WillisBack/dataset-financial-user-claim huggingface dataset:
There is no rea son Wells Fargo Bank,  the now Servicer on a Broker originated,   XX/XX/XXXX ,  XXXX  %, Interest Only Refi of my principle residence, is again saying they did not receive the Mod docs.  <P/> In   XX/XX/XXXX     I went into the branch to inquire about the streamline refi that they were offering their  XXXX  clients at that time, at that point I had paid  XXXX  in interest only payments on a  XXXX  so called loan that is now  XXXX .   Not only did the in branch broker give me a flat no, he explained that  Wells Fargo B ank now was the "  Servicer  " of the paper or loan, and that they did n't originate it, yet many times they claim to have originated it.  <P/> Then after finding the " Investor '' of my so called loan was in    XXXX   court  and list ing Wells Fargo a s a Unsecured, Non Priority, Creditor and disputed their claims to said loans.   Then I was told that I could not even apply for a mod unless I was 4 months delinquent and that started this nightmare where  Wells Fargo  Bank engineers Defaults, and Foreclosure for profit schemes, driving homeowners/Banking clients into a situation that makes any form of work out impossible, while maximizing their profits on moneys they admit they never lent.   When I requested the closing documents and whatever document prep company they used had claimed to have paid my second with  XXXX  through closing that made they issues even more complex as I paid the total second in full  two  months prior to closing and have the cancelled checks to prove it.   I have submitted these t o Wells Fargo Ba nk many times and they have many times refused to investigate, and have many times denied this to this bureau and in the courts.   I would say that these issues could be coming from third party vendors that they use in their foreclosure schemes that they have never halted even after the mortgage settlement court orders and refuse to behave in an ethical way in their business model.   Their Vision and Values are aligned with buyer lawless behavior at any cost regardless of how they destroy the lives of millions of hard working Americans without a single accountable senior employee being held responsible.   Im sure this is just a real drag for everyone to have to deal with and respond to and actually look into, and we know that does n't happen.I am going to upload some documents to show you how this pillar of  Vision  and Values treats a long time banking client.
I have a car lease with mercedes benz financial services. I called in to make a payment over the phone and the representative inserted my account number incorrectly. They have a recording of the call that shows it was her error.
In XXXX XXXX, I notified Macy 's credit card and fraud department regarding unauthorized charges on my account. They requested that I submit a fraud statement, in which I did and turned in at the end of XXXX XXXX. I was told the investigation would take 60-90 days and my fraud charges should be reversed. It is now XXXX XXXX, 150 days has passed and I am still receiving billing statements with accruals of interest and late fees. I have followed up with the fraud department each month, and every month, they promised to have it clear the next month. I am at my wits end and feel Macy 's fraud department is giving me the run around. I am need of help to protect my credit and my rights!
Good Evening. My name is XXXX XXXX. I have a problem with the way that my auto loan company is dealing with me. Im a victim of he Hurricane back in XXXX. I have been stuggling to pay my car note. However I do pay it between 20-29 days after the due date. Prior to making payments if I pay on the 28 day. They will report me 30 days late. Im not understanding why. I contacted them and they say its a 2 day processing. So that will turn the 28 days to 30 days. Leagally I payed my car note before 30 days and it shows in the system. Why do I have to be penalized for there system. Its not fair and through my hard time I feel so horrible and they are treating me worse. I feel like they are mocking me through my trouble times and it has caused me a Great XXXX. Once a payment is made thats what it should b. I tried dealing with them and each person I speak to treat and talk to me like Im nothing. I guess they dont have financial difficulties and pray they never do. Because I wouldnt want them to feel pain like me. However leagally if I pay my carnote before 30 days. They should not fault me because of there system processin time. Thankyou
Equifax did n't have proper safeguards to protect consumer credit information from being disclosed to hackers. I was one of some 140 million Americans who had their credit history and personal information compromised. I have tried to contact Equifax repeatedly and never being able to speak to someone who could help me secure my credit and personal information. The Company has a web site that allows you to enter your personal information including your full social security number in order to provide a free credit monitoring service and they tell you they will verify the submission with an email which you never receive. I found out that this information does n't go to Equifax, but to a so-called " sister company ''. So I have now been hoodwinked into divulging my personal information to yet another company. 
Here is my question, what governmental agency is regulating Equifax and the other two major credit reporting agencies. If there is no regulation of these companies, why is n't there? They are taking information from consumers, often without their knowledge and then not protecting it from disclosure. Something needs to be done.
I filed a dispute with Bank of America regarding a service I did not receive. The complaint began on XX/XX/XXXX, and each time the response from the bank is the same. I have provided documentation that shows the business did not perform the service, and I stated that the complaint was regarding a service not received. In each response, the bank claims they reviewed the case, but will respond by denying the claim because " it is not a wrongful post to the account. '' I have provided documentation. I have asked for an explanation for the denial ( an explanation that would apply in this scenario ). I have asked if there is any addtional information that is needed. In every instance, I simply receive the same letter with the same resolve. The company will not do a complete review, and does not provide any resource to speak with a manager. I was told there were no managers in the dispute department. I have tried relentless to speak to management without any resolve. I have asked for clarification on this issue and I do not recieve it. I had my car serviced on XXXX/XXXX/2015 at XXXX in XXXX Florida. I paid XXXX for a fuel pump system. After the car was serviced, it stopped working two days later and had to be towed back to XXXX. XXXX kept my car for almost two weeks, and I was told the part that was put on was defective. Again, when the car was returned to me, the car stopped running a few days later and had to be towed. The car has not been fixed since its release date on XXXX/XXXX/2015. I notified Bank of America and filed a legitimate dispute. The response is " we do not find an error in the post to the account. '' I have received this response XXXX times and 120 days later, Bank of America 's dispute department has yet to clearly identify that my complaint/dispute is for a service that I did not receive.
Experian refuses to remove personal information from my credit profile after being informed already of the addresses being incorrect. They claim that since grantors report the address that they assume to be valid This is a violation of the FCRA. Experian has provided no proof to date that I have any connection to the following addresses XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
I contacted The Student Loan Help Center in hopes of having my student loans forgiven since I am an XXXX service member.They appeared very interconnected with the U.S. Department of Education and informed me that there was a high chance for my loans to be completely forgiven. They informed me that they could help me by consolidating my defaulted loans for me in exchange for a payment of {$900.00}. Although I gave them my personal information such as my SSN, address and debit card number, I feel my sensitive information was mishandled. I am now aware this third party does not need to be involved in the consolidation of my federal loans. I am also currently having those payments refunded to me through my bank and there is a pending investigation for fraud. I wish to inform the community of this organization so that XXXX soldiers will be aware of this scam.
I visited a branch of Zion 's Bank a few months ago and received a copy of my statement. The statement had an address on it that was unfamiliar to me. The address was XXXX XXXX HOLD AT UT XXXX XXXX DO NOT MAIL. I did some research and found that the address belonged to Nevada State Bank, an affiliate of Zion 's Bank. The address involved a service called External Transfer to a Friend. I spoke to a representative from Nevada State Bank who told me there was an online account under my tax ID and name, ( along with a signature card ), at their bank. I asked if she could send me a copy of the signature card but was denied. I was not aware of any online account at this bank ( which was connected to my account at Zion XXXX Bank ), nor was I aware of any External Transfer to a Friend. I never filled out an application or signed a card for this service. I had no intention or reason to be sending money to anyone. I then sent an email to the administration of Nevada State Bank to inquire about this online account. I received a reply from them which denied any account whatsoever. I called the bank to make sure they understood what I was asking for and the representative 's reply was that her computer showed that " the records had been purged. '' I sent another email to the administration and they suggested I call Zion 's Bank. I sent an email to Zion 's Bank, they told me that the account was a trust account owned by my family and that I would have to reach the " Trustee '' of the Trust for information. They said that I was not a signer on the account. There are XXXX problems with this reply : 1 ) I was the only signer on this account, I have attached the signature card from my account at Zion 's. The card states that the bank is authorized and directed to take instructions concerning the account from myself only. 
2 ) The service External Transfer to a Friend specifically states that Business, Organization, and Trust accounts are NOT ALLOWED. 
I mentioned this in an email to Zion 's Bank and asked for a reply from them, the response was that I should seek an attorney. I should not need an attorney to get information regarding a bank account that I owned.
XXXX   XXXX  requested my score from  XXXX  bureaus. The reporting agency was Equifax.   Equifax  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  reported a  XXXX   Score  of  XXXX  I pay Experian for my monthly score, they reported  XXXX   XXXX   XXXX   XXXX  reported  XXXX  Why is it that when I request a loan, the scores are significantly lower than the scores that are made available to me otherwise?
I financed a mower over 24 mos@XXXX per month. After about 7 months they raised my monthly note to XXXX. I had put it on auto debit at my credit union for the XXXX, so when I received the monthly note from them, I just disregarded it since I knew it was being paid. I started getting late payment notices and fees around this time and called about them. They waived them twice, but never mentioned that I was n't paying the new minimum. I finally called when it was handed to their collection dept. and that was when I found out that my note had been raised. ( This was yesterday ) They said I had been notified and because they had already waived XXXX late fees, they could n't waive any more, so I am on the hook for $ XXXX+ of late fees. My frustration is that they have n't missed a single payment. The only thing they are out is " late '' fees for my not paying the new minimum payment since XX/XX/2016. I contracted for 24 payments of XXXX and I have held up my end of the contract. They are trying to extort hundreds of dollars of late fees for a trumped up increase of {$0.00} per month. I do n't want my credit rating damaged because of this, but it has been already. Unless you can help, I either pay up or face ruined credit for something I ca n't avoid. I do n't want something for nothing ; I just do n't want to get XXXX by a bank because they think they can. Thanks.
central credit services and XXXX credit systems continually call up to XXXX times a day stsrting before XXXX for someone that does not live at my telephone #. I am a senior citizen, they are harrassing me and refuse to stop contacting me. 
collector calls : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/1968 ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS XXXX. Old address on page MUST BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER TOWER FED XXXX XXXX ALSO MUST BE REMOVED VIA COURT ORDER READ ORDER IN CHAPTER XXXX FOR STATE OF VA.
I pulled my XXXX credit report and it disclosed 6 accounts in derogatory status. I recently discharged from a chapter XXXX bankruptcy on XXXX XXXX, 2017. I contacted the debtors whom advised me to make a complaint with CFPB.
I recently applied for a home loan. On my credit report shows a medical balance of {$210.00} with SCA collections XXXX XXXX. I disputed the information as I had never received a bill. Apr XXXX XXXX XXXX sent a bill. The first person I spoke to last week threatened to call my landlord. I tried again with my husband talking to them. They were very rude and stated they had mailed a bill I never received in XXXX XXXX. I also doubt this to be true as I updated my address with the bureaus last month. I asked if I paid the bill in full without even knowing if it was mine can they remove the collection. They stated no. I am being denied a loan because of a medical bill I never received. If a copy of the bill is needed I can upload it. I understand medical billing is a complex issue and outsourced lab work and so forth often do not know the insurance to bill. I was an employee at XXXX and most procedures if done in network, the hospital waives the charges beyond my co-payment. I am only asking them to remove the debt from the bureaus if I pay it in full and to send a complete medical itemized bill so I can see if insurance was billed properly. They declined when I disputed the bill.
I refinance my house in approximately XXXX 2008 and when I financed itCountrywide Bank Loans put me into an FHA loan which I 'm sure I did not need. At the time I was making at least {$75000.00} a year, I had a truck payment approximately {$400.00} a month and a mortgage payment. Also my credit score was between XXXX and XXXX so my credit score was not bad. I had some arguments with them regarding the FHA loan, but I was unable to get anywhere with. I 've done a lot of research on the Internet and I found that there is a settlement, but I have no idea where to go to claim this money.
Reference cfpb complaint : XXXX. PayPal did not act in good faith. They are responsible for scam, fraud, unauthorized transactions, gift card, etc. 

In PayPal 's response they admitted that the transactions were unauthorized, they were not responsible for the gift cards and blamed th activity on a third party. 

I initiated the call to PayPal at XXXX to see who was the third party using my account. the rep said they had to update the program on my computer. From there they started depositing large amounts of money in my bank account and instructed me to go purchase XXXX XXXX XXXX and read the numbers back to them at another phone number which was XXXX or XXXX. I fell for that the first time. When I refused to do so again, the supervisor was put on the phone ( mine you this was all from PayPal - not a third party ) an deposited a larger amount of money, then order more gift card through XXXX ( unauthorized ) .At the same time they were trying to withdraw funds from my credit card ( unauthorized ) .After all of that Paypal would sent me an email saying " transaction error '' after they though the accomplished financial gain. Whos to say those were not dummy accounts. Either way PayPal wanted financial gain off of someone else 's loss. PayPal, also never answered my question " who was the third party using my account? '' I made no transactions or sells. Nor do I sell the products they claimed was sold. If they are not responsible for what a third party did, then I should not be responsible either. So why should they want money if they did not do the transaction. 

My computer history says a transactions was done by PayPal, not third party. 

I am not responsible for any negative charges, due to fraud and scam. 

PayPal did illegal transactions - Everything was unauthorized. Scamming employees, workers. 

PayPal did not act in good faith. PayPal scammed, did unauthorized transactions, committed fraud, and is still committing fraud. 

There should be a further investigation and a shutdown. They have no right to withhold, use or have access to other people 's funds without a valid reason. Theft. 

If they would not have ask me to commit a crime, then their contracts are legal. but once they asked me to commit a crime, their contracts became null and void. That is law. 
*note, by asking for me to commit a crime, I can also ask for punitive damages. When they did that, it opened them up to being liable Refer to Complaint : complaint : XXXX
Interest rate on my Sears Master Card with Citi Bank is way to high as my credit score is XXXX.
I have been receiving calls from different numbers for several years. The latest is from XXXX, leaving a message that they are Concord and trying to collect on a debt. They want me to call back to XXXX. 
I also receive calls on my cell phone but they don't leave a message. 
I do not owe Concord and have never heard of them. I don't have loans outstanding!
On XX/XX/2018 at XXXX XXXX I spoke with a young lady by the name of XXXX. I informed XXXX of my financial hardship which pertained to my XXXX-year-old daughter 's health. XXXX explained that I would need to speak with XXXX their office manager. Upon speaking with XXXX she stated that her company required her to notify me that my vehicle was up for repossession, how I asked my payment isn't even 30days late. Nor had I received a RTC which is required in the state of South Carolina. XXXX didn't ask me what was causing my delinquency or hardship she just wanted to discuss the money. Keep in mind at this point my account was not even 30 days behind. I was approximately 21 days past due and was calling to make the payment arrangement for the next day. After speaking with XXXX I was put back on the phone with XXXX to make the arrangement. At this point I requested that XXXX place a note on my account the XXXX was not to communicate with me again. Anyone else who needed to communicate with me could call but XXXX due to her unprofessional demeanor was not to call me. I continued to make payments to the company and have not been 30 days late. On XX/XX/2018 at XXXX XXXX. I received a text message from a number that I didn't recognize. It stated " Please call XXXX to avoid legal action. I recognized the number in the message as Laurens Financial, however, the number it was sent from was XXXX. I blocked my number and called the number from the text and found that it was an employee 's ( XXXX ) personal cell phone. Due to the stress of dealing with my daughter 's illness and constant doctors appointments, I do not need to be threatened or harassed in a demeaning manner. It is difficult enough for me to make these payments without feeling like I am or being treated like I am XXXX  or trash. These practices are inexcusable and should be taken seriously. This company is using threat tactics and personal cell phones to communicate with customers. I have found under the CFPB and also the South Carolina Department of Insurance and Consumer Finance that these practices are illegal and a violation of my consumer rights. Please help me avoid these unfair practices. I have the text message saved in my cell phone and also the digital memo of the date requested for no contact from XXXX.
This is notify CFPB of EXPERIAN 'S violation of FCRA. Last XX/XX/2018, I sent a letter to this company to dispute accounts from XXXX and XXXX XXXX. I disputed account XXXX with this company and I even requested a debt validation from XXXX which have not sent me proper debt validation documents. XXXX even reported to the bureaus that they are reporting correct and accurate information even though they did not provide me what I am entitled to receive. 
Also included on my account are accounts from XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I sent them a check as payment for these accounts and clearly, " CONDITIONS ARE WRITTEN AT THE BACK ''. It clearly states that 'THEY CAN ONLY CASH THE CHECK IF THEY AGREE TO DELETE ALL THE ACCOUNTS THEY REPORTED TO THE BUREAUS ''. XXXX XXXX CASHED THE CHECK, which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve.
I was approved for a XXXX XXXX XXXX card with a {$22000.00} credit line. I have 50 years worth of credit and a profitable XXXX XXXX with a good credit score. I was granted the credit and after a couple of purchases my card was flagged as FRAUD. I have made several attempts to confirm my identity but Citi 's computer knows me better than I know myself I guess because I was advised that I was not me. I advised in a previous CFPB complaint that the due diligence on confirming my identity should have been done prior to approving me. In an effort to protect my identity, CITI has breached my privacy. I currently reside in XXXX XXXX. I have transitioned my home and business to the address that I used to apply for this card. As part of citi careless investigation, Citi sent a letter of potential fraud to my XXXX XXXX address. As part of this application, I did not disclose or agree to for mail to be sent to the XXXX XXXX address. If my credit file was reviewed, you would have noticed that the XXXX XXXX address is part of my file history for over 3 years. The letter that was mailed to that address was received by my ex wife who was not part of the credit application. Citi has violated my PRIVACY and should not use a COMPUTER to determine a persons identity. If they have a problem with identity theft, they need to have stricter purchasing policies. I was granted credit and then a fraud alert was added on my card for no reason. I have attached my DL to validate my identity. I will tell everyone I encounter that CITI is a fraud and they will violate your privacy