WillisBack/dataset-financial-user-claim huggingface dataset:
My complaint is focused on Wells Fargo Wealth Management-Trust Department. 
My mother has a trust setup by her Mother in the 1920 's. 
My mother is now XXXX and is not focused on financial issues at this point in her life. She only expects an adequate income to make ends meat from an instrument set up to supplement her income for her later years. 
Wells Fargo has been the corporate trustee on this account for decades. About 15 years ago my brother and I were not happy that there was no account servicing of her trust. No one ever called to ask how she was doing or go over her situation. Her portfolio was in growth stocks and she needed income. We scheduled a meeting to discuss our issues. Representing her in this meeting my brother and I asked pointed questions.Why has there been XXXX communication? Why these growth investments for an elderly lady? Why so little income? Why so many investment managers? 
After silence the management team promised to adjust her portfolio and follow-up. The result of this conversation was a slight increase in dividend income. 
Fast forward 15 years and my mother now has no significant other with the means to financially support her. In the meantime, cost of shelter and goods keep on rising. And during this time status quo on the communication. The Bank never communicated with her, only statements. 
Recently we have resumed discussions again and Wells is very reticent to spend time on this. We are being shuffled through numerous wealth managers. And explanations of the new investment direction we asked for are grinding along at glacial pace and are not clearly explained. 
Her account is not large. But, it is an account in their bank. Are n't we who they should work to make happy? We are not XXXX, does that make us irrelevant since we do not help there balance sheet to the same tune? 
In this day and age you here all the marketing talk about personal service from numerous corporations. Well, Wells Fargo has not cultivated this client relationship with acceptable personal service. 
An XXXX Year old woman living by herself, has a fund set up by her mother in the 20 's and a small Social Security income. This income should allow her to live while not having to worry about eating. 

Please keep up your investigations on Wells Fargo and other greedy corporate entities and do not allow business practices that turns it 's back on the average clientele. 
I would not recommend Wells, ever.
ONCE AGAIN CBCS GNORED OUR BANKRUPTCY XXXX XX/XX/XXXX-XX/XX/XXXX AND VIOLATED THE AUTOMATICE STAY. ALSO KEPT CALLING MY CELL SEE ATTACHED. IF NECESSARY WILL RE-OPEN BK AND FILE ADVERSARY PROCEEDINGS COMPLIANTS IN THE AMOUNT OF $ XXXX.
I have made XXXX payments via US Mail from a Post Office to a Post Office Box for my full statement balance for a Chase United Visa Credit Card. All other payments to XXXX, XXXX, XXXX, XXXX, XXXX Bank, etc. have been received and processed. For the second month in a row, Chase has not " received the payments '' and proceeds to charge interest and late fees. I think they are trying to force customers to using online payments by delaying the crediting of mailed checks.
XXXX XXXX, 2016 both my checking and savings acct were wiped out completely. over {$10000.00} was gone. I believe i lost my card some time around XXXX XXXX. I did not notice the fraud activity until about 2 days later when chase sent me a text message asking if i had been the XXXX to make these transactions i replied NO assuming they will handle everything. at that time about {$300.00} was missing. within a couple of days ( thinking chase was handling the issue ) my money was tranfered from my saving into my checkings and all of my money from both accounts were gone. i finally call XXXX XXXX asking WHY things werent handled and why my acct wasnt closed. I filed disputes and several claims. out of {$10000.00} i was denied XXXX claims totaling to {$4800.00} XXXX when i asked chase to listen to the recording of the " person who authorized the online transfer '' they denied me and stated that i needed to supbenea them first. Lastnight at XXXX on XXXX i noticed Chase bank went into my NEW savings acct and took back XXXX temporary credits made to me back in XXXX. Noone called me, no letter was received, or anything notifying me that my claims were denied. I call chase lastnight asking why and the rep stated i made transactions while the fraud activity had been occuring ( which where monthly automatic pay ) to my XXXX program. I went thtough chase executive dept and filed a compliant but that was also denied. i do not know what more to do.
An account was opened under with my information from XXXX XXXX XXXX while back without my concern and ill like dispute this dept.. thank you
Following the receipt of my credit report late last year from the Equifax, XXXX and XXXX consumer reporting agencies, I learned of an adverse account from XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my Equifax, XXXX and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.
EXPERIAN IS THE REPORTING BUREAU FOR THE US DEPT OF EDUCATION, THE FURNISHER OF ACCOUNT INFORMATION, XXXX ACCOUNT XXXX ... XXXX 
15 U.S.C. SECTION 1681 s-2 explains the furnishers, the credit bureaus, requirement for completeness and accuracy of credit information.If that completeness and accuracy can not be accomplished the bureau is required to delete reporting anything within 30 days. 
If this does not transpire then the person reported on may collect {$1000.00} per incident from the at fault bureau and furnisher. 
NO LESS THAN THE NEW PRESIDENT OF THE UNITED STATES HAS STATED HIS INCLINATION TO ABOLISH THE FURNISHER, ABOLISH THE ENTIRE DEPT OF EDUCATION FOR POOR PERFORMANCE OF THEIR DUTIES TO THE AMERICAN PEOPLE AND TO REPLACE THEM WITH PRIVATE ENTERPRISE. 
THE PRESIDENT HAS A PROGRAM IN PLACE FOR LOAN FORGIVENESS AND MONTHLY PAYMENT CAPS BASED ON ABILITY TO PAY. 
F.OR MUCH OF THE TIME OF MY LOAN I WOULD HAVE QUALIFIED FOR A MUCH LOWER PAYMENT AND NOT HAVE RECEIVED THE CREDIT DINGS BECAUSE OF THIS ... ... .YET MY LOAN IS PAID AND CURRENT UNLIKE 40 PER CENT OF THE EXISTENT LOANS. 
*********MY PAYMENT HISTORY IS MISSING XXXX ( WHEN YOU HAVE A XXXX reported in monthly billing YOU MUST HAVE A PRECEDING XXXX SO ON ... THIS IS INCOMPLETE, INACCURATE REPORTING. ( fcra specific violation ) ***************************************************************************** IT IS IMPORTANT TO SHOW EACH AND EVERY XXXX BECAUSE I PLAN TO FORWARD THIS COMPLAINT AND YOUR RESPONSE TO THIS COMPLAINT TO PRESIDENT TRUMP SO HE CAN BE SURE TO REMOVE YOUR POINTLESS ABILITY TO REPORT LOANS THAT ARE PAID IN FULL BEFORE HE REMOVES YOUR ENTIRE DEPT OF EDUCATION FROM EMPLOYMENT. 
YOUR POINTLESS REPORTING IS DAMAGING TO ME AND SERVES NO PURPOSE WHATSOEVER NOW THAT THE LOAN IS PAID IN FULL ... ... EVEN THOUGH IT WOULD HAVE QUALIFIED FOR PARTIAL FORGIVENESS ... ... .... 
SHOWING MY ACCURATE PAYMENT HISTORY, '' WHICH YOU DO NOT '', WILL ENABLE ME TO SHOW THE PRESIDENT 'S OFFICE HOW, EVEN THOUGH I COULD N'T AFFORD ACCORDING TO TRUMPS RULES, I REPAID MY LOAN. 
you have " no skin in the game '' concerning my loan to report negatively on me and this in the light of my circumstance appears to be contrary to our new Presidents wishes, so do your best to correct or delete my account.
On XX/XX/XXXX my student loans with XXXX XXXX XXXX were paid in full in the amount of {$10000.00}. I received the confirmation number after the successful payment was made. I looked at my payment history and it stated that my balance was XXXX and it also stated that the account was 0 days delinquent. After the payment was made the balances of my student loans were updated on my credit reports to XXXX. It reports as positive on my XXXX report but it reports as a sold/transferred debt on XXXX and Equifax. I have disputed it many times but nothing has changed. Then on XX/XX/XXXX the U.S Department of education sent me a letter claiming that they were collecting on behalf of XXXX XXXX XXXX and also claiming that I owe them {$10000.00} plus {$620.00} interest so it came up to {$11000.00} all together. The U.S Department of education gave me 60 days to dispute the issue which I did. I sent them a letter as well as proof that it was paid in full and that it was 0 days delinquent and I asked them to get rid of my personal information. I thought the got rid of it but in XX/XX/XXXX they reported the alleged debt to the credit bureaus and sent the debt to XXXX XXXX XXXX XXXX. Enclosed will be the letter I sent to U.S Department of education and proof that my student loans were paid in full.
I applied for a US Bank Signature Rewards credit card at the end of XXXX or early XX/XX/2018. My request was rejected in accordance with the letter of the Bank REF : XXXX from XX/XX/2018. I thought that at the time of the application I had score about 820+ points. However, my application was denied because, according to the letter, the credit agency ( agency ) indicated that I had placed the XXXX  on my credit card. 
This is nonsense! 
... because after a week or two I applied for another credit card and almost immediately received approval from XXXX XXXX XXXX. 
And I wonder why the US Bank refused to approve for a credit card, is this a discrimination?
Bank of America charged me a {$35.00} overdraft fee on or around XXXX XXXX. I contacted XXXX to insure they would not attempt a second request for payment electronically and subsequently requested Bank of America XXXX XXXX XXXX branch close my account on XXXX XXXX. The teller refused to close my account and insisted that I had to speak with an account representative elsewhere in the branch. I did not have the time nor do I think it is necessary for me to explain to anyone why I am leaving their bank. As a result, they have charged me an " extended overdraft fee '' for another {$35.00} and $ XXXX monthly maintenance fee. Their banking practice is extorting money at the expense of consumers requests to leave. I am concerned about their actions, their access to my financial information and possibly reporting negative information to the XXXX credit bureaus.
I HAVE HAD PAYMENT ARRANGEMENTS WITH THE COLLECTION COMPANY REGARDING THE MEDICAL BILL-BUT THE BALANCE DOES N'T SEEM TO BE GETTING SMALLER. AND I HAVE NOTICE THAT THEY ARE ADDING ACCOUNTS BALANCES TO THE ORIGINAL ACCOUNT. AND SOME OF THOSE ACCOUNTS ARE MY EX-WIFE ACCOUNTS. I BELIEVE THAT I HAVE PAID THE BALANCE OF MY ACCOUNT AND DO N'T OWE ANYMORE. BUT I CA N'T GET THE PAPERWORK FROM THIS COLLECTION COMPANY SHOWING WHICH ACCOUNTS ARE WHICH.
On XX/XX/2017 I received an alert on my credit report that a collection account had been added to my credit reports. I logged into my account to see what the account was. I noticed that Allied Collection Services had placed a collection on my credit reports. I sent a certified letter to Allied Collection Services on XX/XX/2017 for which they signed for on XX/XX/2017. 

In the letter, I requested that Allied send me validation of debt with proof bearing my signature not " verification of debt, '' anyone can look at a computer screen and see a name and say a debt is verified. I would like a copy of my written signature. I received a letter from Allied Collection Services on XX/XX/2017 providing me documents stating that they verified the debt to be mine, however nowhere on the document has my signature. On the document there is an address that I do not recognize as well as I could not locate my bank information. I have banked with XXXX for many years and this has been my sole bank because of my military affiliation. 

In addition, I should not have been made aware of this debt via my credit report. It is the responsibility of the Collection Agency per the FCRA to contact me in writing 30 days prior to placing this account on my credit report and give me a chance to validate or dispute the debt. I was not given this chance and in turn this debt has hurt my credit score, as I have no collection accounts on my credit report. This account being added dropped my score over 40 points. I am very upset by this and would like this rectified immediately. 

I will be seeking damages as outlined in my letter to Allied Collection Services on XX/XX/2017 if this is not fixed immediately.
On or XX/XX/2015, I returned a " required '' ACH consent for a loan repayment, my loan was purchased by BSI Financial from XXXX XXXX. I have NOT chosen to do business with this company, I have filed a complaint once already for this company for not applying payment correctly. 
I am again getting statements that I am delinquent on my XX/XX/XXXX payment, which should have started via ACH for the XX/XX/XXXX 's payment. Their statements are showing an incorrect address for the loan. They are showing my personal residence, I have a mortgage with my credit union. This " SLOPPY '' work is what takes advantage of XXXX!
I had a major financial crisis happen at the end of XXXX. This caused me to get behind on my mortgage. Ive made partial payments but I have not been able to make a full payment. My issue is that Vanderbilt Mortgage has 1 ) increased my payment amount to provide a cushion as they call it. And 2 ) they are not accepting my partial payment. 

My mortgage should be {$1900.00}. They are charging me over {$2000.00} ( I cant get the exact amount as they have also blocked my online account with them ). On today XX/XX/XXXX, I received a check from them in the amount of {$1000.00}. The checks where for partial payments in the amount of {$500.00} each on XX/XX/XXXX and XX/XX/XXXX. The letter attached with the check reads the amount represents less than half of the full amount due on the loan. 

What company returns payments?
I have applied for a modification numerous times with Greentree due to hardship. For years, they have lost my paperwork requiring me to repeatedly submit the paperwork again. My house went into foreclosure as a result. I kept applying for a modification. Again, they claimed the packet was stale though it was submitted on time in mediation. They told me I was denied for XXXX, but never provided a reason or any written denial. I should have qualified according to the rules. They later offered a streamline mod, but mailed it to a wrong address. Because of this, the deadline had past. I consulted with an attorney who advised me to request a new letter with the corrected information otherwise it was not a valid offer. I explained this to Greentree and they refused to reissue a new offer with the corrected address and dates on it. Instead, he ( supervisor XXXX ) demanded payment and stated " the offer is valid today, but could be off the table tomorrow '' though I informed him the other rep. ( XXXX ) stated it was valid until the end of the month. My address had never changed to begin with. XXXX they sent info to a wrong address. Greentree lawyers were informed this via emails and in mediation the first time they did this. They refused to reissue a new, corrected letter then too though the offer date had expired. 7 months later, it happened again. They ca n't send me any important paperwork, instead sending it to a wrong address, yet can continually leave notices on my door to contact them. They have been nothing but rude and harassing. They contradict themselves and give you the run around any time you ask for help or try to get answers. They have been a nightmare to deal with. They should be shut down and put out of business. They are not abiding by federal guidelines by trying to help people stay in their homes. If we lose ours, it will be because of them and the games they play.
Contract on Property XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX Ga XXXX Mortgage thru US Mortgage - XXXX XXXX XXXX for {$210000.00} 1 % earnest money put down on the property {$2000.00} XXXX XXXX XXXX told my real estate agent on XXXX XXXX, XXXX that XXXX XXXX looks great for the loan and he could close it in 20 days. This is after my agent XXXX XXXX went back to the other agent XXXX XXXX because we had originally asked for 30 days and the seller asked for 20 days hence asking the mortgage broker and he stated 20 day as you can clearly see on the Contract. 
The property in question is XXXX XXXX XXXX XXXX Ga is my rental property. The first time I put a prop under contract XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX stated he could not do because he thought it was an FHA on it, when it was a XXXXl. So XXXX stated I was good to go with the XXXX XXXX property. 
as you can see Documents were asked for and provided in a timely fashion but 3 days before closing XXXX XXXX, XXXX and days after the contingency expired i get a call from XXXX asking to get on a call from XXXX XXXX to authorize her to check payment history and balance. If this info was asked for from XXXX XXXX within the first 3 weeks of the contract and not 2 days before closing I would not have lost my {$2000.00} earnest money because US Mortgage would have found out I was late more than 2x what FHA rules are.I have asked US Mortgage for the {$2000.00} back due to their negligence. 

All this info stated above will the documents supporting everything claimed attached
My primary complaint involves Equifax Information Services, LLC ( The Consumer Credit Bureau ). As a resident of XXXX, GA, the home of Equifax, I have extensive experience with the company. They have always been extremely difficult to reach by phone, very slow to process fraud and identity theft disputes, the last of the 3 major credit bureaus to update information in my credit file, and, as a verified victim of the massive and criminal data breech, I have been treated extremely unprofessionally and dispassionately every time I seek their assistance. My strongest desire is that this negligent, unprofessional, vulnerable company should not and can not be trusted with my sensitive financial information or anyone else due to the damage they have directly effected my credit profile and fair ability to thrive in life and business. Recently, I was a victim of fraud involving the purchase of over {$7500.00} of counterfeit sports collectibles affecting my 3 credit cards with XXXX XXXX XXXX XXXX. I filed a fraud claim for every item purchased involving each of the 3 credit cards. I was first issued new cards and my old were destroyed. After submitting substantial evidence, I received a preliminary credit from XXXX. Equifax still reports these accounts as valid even though they have been determined to be fraud. More details are included in attached documents supporting this statement. The bottom line is, I need assistance to correct the inaccurate and damaging information from each XXXX credit card deemed fraudulent, as the other credit bureaus have already done, and to guide me in pursuit of legal Federal actions for the harm Equifax has done to my financial position and emotional/physical health.
On XX/XX/2016, I applied for a credit card from Wells Fargo since I have a checking account with Wells Fargo that both of my XXXX retirement checks are direct deposited every month. Application # XXXX. I was denied an unsecured credit card but offered a secured credit card. I applied and the bank said they were unable to verify my identity. They instructed me to go to a branch with my proof of identity and have a banker fax it to the credit department. I did that and was again denied because they claim they are unable to verify my identity. I sent corporate office in XXXX XXXX, California a complaint via certified mail, and attached copies of all my identification which was delivered on XX/XX/2016. They did not respond. On XX/XX/2016, I called Wells Fargo Executive Credit Cards at XXXX and spoke with Sue. She said that she would check into it. We spoke the next day and she told me to go the branch and have manager, XXXX XXXX scan XXXX documents that Sue requested so I would be approved. 2 days later XXXX told me that they still can not verify my identity. I was extremely frustrated with Wells Fargo and on that same day I applied for a credit card from XXXX and was approved. I believe that Wells Fargo Bank has discriminated against me because I am XXXX under Federal Law and because both of my incomes are XXXX retirement incomes, which are direct deposited into my Wells Fargo checking account.
I have never received a written notification from Blakely-Witt an d Associates, Inc. t hat I owe   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX .   More importantly, I have never received any written notification from them , Blakely-Witt and Associates  that is, advising me of my right to dispute the debt.
HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX  ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XX/XX/2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.
Car loan that was included in a discharged bankruptcy, and also paid in full with insurance proceeds, is still reporting as open and delinquent to the credit bureau
Back in XX/XX/XXXX my XXXX mortgage was taken over by Greentree Mtge. I sent a payment to XXXX and then Greentree said I had a payment of NSF. I sent you a complain back in XX/XX/XXXX about this. Since then Ditech has taken over for Greentree, still telling me I owed this money. I recently sent them a copy of a cancelled check cashed by XXXX. Now I received a letter stating they did receive this money and are now picking a new date telling me I had non sufficient funds XX/XX/XXXX, which I did not. I have my bank statement showing my payment. I have seen so many complaints against Greentree so now I assume by changing their name to Ditech, it 's no different. I have statements and statements showing all my payments. I have never ever defaulted on a mortgage payment and these people keep harassing me. Someone needs to do something about this. I just faxed them my bank statement from XX/XX/XXXX showing the two payments made, neither are for the amount they are claiming was return from my bank, both payments were for more money. Please help and stop these people from harassing me. I owed so little on this house and they are threatening me with foreclosure. How does a company like this stay in business???
They will not respond to any of my disputes. 
XXXX XXXX XXXX is on there twice. This is a duplicate listing. Not only that, but it was included in a bankruptcy in 2008 that was discharged, so I no longer owe it. It can only be on there once for the same bill, not twice. And, it needs to show as a {$0.00} balance since it was included in a bankruptcy and discharged.
I am writing because I have disputed this information several times to no avail. Equifax continues to " verify '' a tax lien that is inaccurately reporting on my credit report. I have also requested method of verification which I never received. According to FCRA, Equifax has 15 days to provide method of verification or they must remove this inaccurate information from my credit report. Furthermore, tax liens are to be removed XXXX years from the date it was filed. According to the most recent Equifax report, this tax lien was filed XXXX XXXX, XXXX. This tax lien should have been removed last month on XXXX XXXX, XXXX. Please remove this inaccurate public record from my credit report immediately and send me an updated copy of my credit report once this has been completed.