WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX Wells Fargo Dealer Services Re. Account # XXXX XXXX XXXX XXXX To whom it my concern I am writing in regard to the above referenced accounts and transactions. 

This vehicle was repossessed by Wells Fargo Dealer Services in the State of Illinois on or about, XX/XX/XXXX and resold on or about unknown date not provided to me Under the laws of the State of Illinois UCC ( 810ILCS5/ ) UCC code, and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies. 

Sincerely, XXXX XXXX
I stopped by Ashley Furniture at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX back in XXXX 2017. I do not remember the exact date. I asked about a couch I wanted to buy and the salesman told me he could check my credit score to see if I qualified for financing. He asks me for my personal information. I oblige and am told that I would qualify for a particular amount. I ended up not buying the furniture, but later received a credit card in the mail that says " thank you, here is your credit card '' I do not remember requesting a credit card, though. I am positive this establishment misled me and forced the credit card on me, despite just saying they were just going to check my credit.
Myself and My Wife are very confused at the way CHASE BANK is handling our mortgage transfer to another servicer. We recently received a letter from Chase stating that we should not send any more payments to them that they no longer service our mortgage, which we have no issues with what so ever. the thing that we have lost sleep over and confused us is the fact that the letter is signed by a XXXX XXXX and it says we will receive instructions from XXXX XXXX but it also says we will be sending future payments to XXXX XXXX at another entity when the same XXXX XXXX signed the letter attesting to the fact that he is clearly an employee of Chase a managing director, where the letter says not to direct any payments to. So my wife asked how is he working at both banks isn't that a conflict of interest. Which bank does he actually work for? and how isn't this the most confusing mixed message ever?
Experian is refusing to give me my free credit report from a " 60 day adverse action ''. I was denied credit with XXXX XXXX on XXXX XXXX 2015. I have tried to request a free credit report from Experian several times online, and each time their website displays " unable to honor your request. '' I want the credit report provided to me in an online format, as I do not trust my credit information being sent through the mail. I am entitled to a free credit report from Experian due to the adverse action, and I would like to see it online.
Payments were posted in XXXX and XX/XX/2018 for my XXXX  account. Still there is 30 d late reported to XXXX/Equifax and XXXX. I asked XXXX/Equifax and XXXX  to investigate. They still keep show 30 day late.
I 'm attempting to freeze mine and my wife 's credit reports with Equifax due to their data breach. 

Their web-site to do so does n't work, it errors out and says it ca n't be completed and their phones automatically hang up when I call them. 

I need to freeze our credit reports.
I went to XXXX in XXXX XXXX and I took out a school loan with XXXX XXXX. I was told that I would have low payments after I graduated around {$100.00} a month. XXXX XXXX and XXXX took complete advantage of my situation and did not explain the terms. At the time I was young and excited to attend college. XXXX did not provide classes as they promised and I ended up having to drop out. I did not get gradate. I 'm paying for a school loan that I never used. My loans were transferred to Navient and I pay about {$400.00} a month and that does n't include my other 4 loans that are federal. I 'm struggling and have asked Navient several times to lower my payments and or interest rate. Navient will not provide any assistance. I owe about {$37000.00} now.
I purchased a car in 2005 value {$18000.00} Honda Civic. I paid the car note for 4 years at the end of the 4 years I was told that there was a balloon payment of {$8000.00} on the car. I had no idea I had a balloon payment. I told Honda finance that I did not have the {$8000.00} to make a XXXX time payment and they told me I had to return the car after paying for it for 4 years and they will treat it as a lease.I returned the car in great condition with minimal mileage. Now 6 years later Honda reported to credit bureaus that I owe {$380.00}, XXXX for a Civic. I have called several times to Honda Finance to dispute the amount and they said it was corrected .Today it is still on my credit report. This has stopped me from getting other loans or jobs.
Wells Fargo Home Mortgage I ascertained a copy of my credit report from XXXX   and I have 62 / Thirty Day Late Payments and they've even reported me late in XXXX even when I've made the XXXX 's Monthly payment back on the XX/XX/XXXX., I have moved from my old home while utilizing this address as a rental until this date., I informed Wells Fargo of My new address back In XX/XX/XXXX they have neither sent me any correspondence related to my account., Since said time I have yet to receive any type of communicative late notice from Wells Fargo until XX/XX/XXXX XX/XX/XXXX
This pertains to a cashout refinance loan for a primary residence with Wells Fargo. This is also related to a prior CFPB complaint ( from Q1 XXXX ) against Wells Fargo on this loan. Although some fees were waived from that complaint, I still incurred several excessive fees as a result of the issues that were arose. The loan was closed at the end of XXXX with Wells Fargo holding ~ $ XXXX in escrow as renovation work had started on the property. Wells Fargo requires the property to be in habitable form in order to close and agreed to an escrow holdback until the renovation work was completed including a final inspection to determine if the property is habitable. The final inspection occurred and was also provided to Wells Fargo last Friday, XXXX XXXX. Wells Fargo still has not provided a copy of the final inspection/appraisal report to me as is required and did not follow up on the release of the escrow until I did this week. Neither the appraisal nor the escrow has been provided to me.

Contrary to what was represented to me during numerous  conversations and correspondence throughout the loan process, Wells Fargo is now requiring that a copy of a paid in full invoice to the contractor be provided before releasing my funds. This requirement pertains only to construction loans, NOT cashout refinance loans for a primary residence. When I questioned this request ( paid in full invoice to the contracto ) prior to and at the closing table, I was told by Wells Fargo that " this is our [ Wells Fargo 's ] standard escrow form for everything, we [ Wells Fargo ] ca n't make any changes to the form, and only the habitable requirement upon satisfaction of the final inspection is needed to release the escrow funds. '' A satisfactory final inspection was completed and submitted to Wells Fargo last Friday, XXXX XXXX. Now, Wells Fargo is requiring a paid in full invoice and categorizing this loan as a construction loan. This is misleading as all of the documentation, including the loan estimate, closing disclosure, and final closing documents clearly state this loan is a cashout refinance on a primary residence. I have paid nearly eight months of interest on $ XXXX being held in escrow and now Wells Fargo is prolonging its release costing me additional interest and lost potential revenue ( as I could be holding this money in an interest bearing account, etc. ).
I had changed my monthly payment to more than double the original amount so that I could repay my loan more quickly. Two months later they sent me an e-mail stating that they had lowered my monthly payment amount. Then when I called to reverse the change they said that they could not guarantee that the change could be made by the time my next payment was due. 
I was also informed that I would probably not be able to use my regular method of payment. Because the virtual bank card I use falsely classifies itself as a " pre-paid credit '' card I will probably not be able to use it to pay my account.
I received a notice in the mail this week from Chase Bank USA NA, alerting me to " Important changes to your account terms. '' In summary the changes are these : " Cash Advance APR '' and " Overdraft Advance APR '' move from " 19.24 % to 24.99 %. '' " Balance Transfers Fee '' changes from " {$5.00} or 3 % to {$5.00} or % XXXX of the amount of each balance transferred, whichever is greater. '' " Late Payment Fee '' " Up to {$15.00} if your balance is less than {$100.00} ; up to {$27.00} if the balance is {$100.00} to less than {$250.00} ; up to {$37.00} if the balance is {$250.00} or more to {$37.00} '' and " Return Payment Fee '' from {$35.00} to {$37.00}. Providentially, I am also reading XXXX XXXX 's book " Fighting Back '' and noting how banks attempt to leverage their power. This seems to be another example of the reason we need the CFPB to advocate for consumers. Please question Chase for changes. Please protect consumers. Thank you! 
My heartfelt thanks to XXXX XXXX for her perseverance through these years of turmoil and struggle and all who engage with her on behalf of consumers! We need you!
We financed our home in XXXX with XXXX XXXX and they sold it to JP Morgan Mortgage XXXX ( please note that this company is separate from JP Morgan/Chase ) sometime around XXXX. JP Morgan Mortgage XXXX initially used XXXX servicing to service the loan and has now switched to XXXX XXXX XXXX after just two months. We were given less than one weeks notice regarding this change. I called the JP Morgan Mortgage XXXX number provided to me by XXXX, but there is no option to speak to anyone. I left a message to call me but they have not ( it 's been about a week ). I have also called the company from a number I 'd found on the internet and the gentleman I spoke to stated that he could n't tell me if the company owned our mortgage or not.
Since i dont use my citi thankyou premier card much, i decided to downgrade to citi double cash back card to avoid the annual fee. I contacted citi and asked to downgrade my card. They did it and told me that they would remove the annual fee since there is no annual fee for the new card. After 1-2 weeks later, I found out that the fee is still there and called them again, asking to remove. They told me they would do it. Now, it has been more than a month, they still did not remove it yet. They made me have to pay it.
I have called and mailed numerous requests regarding these inquiries that did n't belong to me.      XXXX   XXXX / XXXX / XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX   XXXX / XXXX / XXXX   XXXX   XXXX    XXXX   XXXX  e  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX    XXXX   XXXX    XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX    XXXX   XXXX   XXXX    XXXX / XXXX / XXXX    XXXX    XXXX  via  XXXX    XXXX     XXXX   XXXX / XXXX / XXXX
We purchased a new XXXX XXXX van XX/XX/XXXX. Chase Bank financed the note at 8 % interest. XX/XX/XXXX, we refinanced another one of our cars with chase which was originally financed at a credit bureau. We have made every payment on both car loans on time and have paid extra bulk payments on the van to the tune of over {$9000.00} of the principle alone since the purchase. I and my wife have only XXXX % debt ratio. I have XXXX accounts open with not one late payment and my wife has XXXX open accounts with not one late payment. We have both been in our jobs and our residents for 5 years. We wanted to trade the XXXX van on a XXXX model and submitted an application for the new loan. The application was denied with no reason given, only an offer to send a rejection letter which will take 15 days. So I thought " OK, We 'll just refinance the van and trade later '' ... .. again that request was denied. How can you have perfect payment history with a bank on XXXX auto loans totaling {$44000.00}. Good credit scores ... .. I 'm in the high XXXX 'S and my wife in the mid XXXX 's. Decent job/resident history. Average income. Plenty of open/closed credit accounts which go over about 7 years and not a single late payment in many years ... .. low debt/income ratio and still be denied reasonable credit??
I m the victim of an on-line work at home scam, the work was to be a purchasing agent, the scam involved paying off my credit card balances so that I could then make purchases to be shipped, the scammer used an account from XXXX XXXX XXXX  to pay off the balances of 3 capital one cards and one card from XXXX XXXX, when I called the banks to seek fraud protection, they conducted an investigation and stated that because I made the purchases it was not fraud, when I further tried to explain that when the payments were returned back to XXXX XXXX that the XXXX XXXX account was fraudulently obtained and funded that credit cards by money transfer from a XXXX XXXX account, XXXX XXXX advised there was nothing they could do and refused to help.I have the account number and routing number that was given to me by the scammer and I have all the email documentation, a police report and a letter from the state attorney General, the banks say they conducted an investigation but did not want any of my documents to assist them on my behalf, XXXX XXXX wont discuss the matter with me stating they do not give out third party information and since I am not a customer with an account, they can not help me.
I get repeated phone calls from XXXX regarding debt collection. I have no debts in collections. I have a car loan that is ten months ahead, a credit card that is paid off in full every month and all of my medical bills are paid off completely. I do not have any active collections accounts in my credit report. I XXXX the number and it comes back as Professional Recovery Consultants. I have had no written notice from anybody about any kind of debt that I have in collections and believe this to be a scam operation.
I bought a Ford a while back, financed through Ford Credit. Having been educated in the basic principles of finance, I 'd like to make an effort to pay the loan down early. Unfortunately, their entire system seems to be deliberately designed to make this as difficult as possible. 

First, any payment you send in does not officially " clear '' for several business days. Twenty years ago, that was silly, but at least somewhat understandable. Today, in the Age of the Internet, it 's just flat-out ridiculous. If I submit a payment electronically and it takes more than 1 minute to clear, something is very wrong. If XXXX and XXXX can get it right, why ca n't Ford Credit? 

But that 's just a part of the larger issue. If you submit an additional payment, common sense dictates that you are obviously trying to pay the loan down early, but their treatment of the funds is disingenuous, bordering on predatory. Instead of applying the money to principal, as is appropriate for an attempt to pay down the loan early, they apply it as an early payment, and simply adjust your payment schedule to compensate. 

This makes no sense whatsoever. While it 's certainly imaginable that someone might have a need to make a late payment ( " I can pay you tomorrow, but not today, '' ) the thought of the opposite as a legitimate issue ( " I can pay you today, but not tomorrow '' ) is utterly ridiculous. And yet it is not only the default presumption when additional payments are received, it 's the *only* option available on their website. 

In order to have additional payments handled correctly, you are required to wait several days until the payment clears, and then call Ford Credit, navigate a phone tree that does you no favors in your attempts to reach a human being, and then finally explain the obvious to the operator and have them manually fix the payment in their system. And you are required to go through this long, wearisome process every. Single. Time. 

I have complained about this to them multiple times, and have been told that nebulous " technical issues '' prevent them from setting it up the right way. As a XXXX, that 's pure bunk. If any such technical barriers truly exist, they exist only in the mind of an utterly incompetent site developer. Much more likely is the theory that this is done deliberately, placing as many barriers as possible in the way of a customer paying down their loan quickly, in order to maximize interest income. 

Ford Credit refuses to fix or even truly acknowledge the problem, so I 'm coming to the CFPB. Please investigate and put a stop to predatory practices like this. If an additional payment is received, it should, by default, be applied 100 % to principal in order to pay down the loan as quickly as possible. Anything else is abusive.
I went to the bank today to withdrawal exact cash and it took 25 minutes because the bank had only 1 teller. The bank is making billions  and charging me maintenance fees and they can't even bother to have more than 1 teller.
XXXX of XXXX through XXXX XXXX Kept breach a secret for months that allowed the hackers a head start on using the information gained. 

equifax system breach. Allowed access to my personal information that could/will cause problem for the rest of my life.
Im XXXX years old high school student. I have Checking account with US bank. 
In end of XXXX I started to work in XXXX. My employer asked me to fill the form for direct deposit that required routing number and the bank account information. I brought an empty check on the next day, the check was in my wallet so I can provide this information. Unfortunately on that day I lost my wallet at my employer location. I contacted my bank to cancel my credit and debit cards. But in few days I learned that person by name XXXX XXXX used my check with fake signature to withdraw money from my checking account. The money was wiz drawn in different bank at XXXX XXXX location. The check was in amount of XXXX dollars. I filed police report by XXXX County Sheriff Office and filed fraud case number XXXX with US Bank. After 3 months of waiting I received the following response : US Bank has completed the investigation of claimed fraud on the above account. We regret to inform you that it has been denied for the following reasons 1. Customer Negligence Contributing to Alteration or Forgery 2. Customer Liability under " Security '' section of the Deposit Account Agreement I think in this specific case bank also was negligence as the money was distributed based on faked signature, clearly different from my own. In addition bank does n't provide any instrumentation to limit amount that can be withdrawn by the check or capability to disallow over draft. Based on that I do think that I entitled in complete money refund. The XXXX dollars that I lost on my account is a significant amount of money in my current situation. 
Thank you XXXX XXXX
They continue to call my work location and have talked to co-workers telling them they are trying to locate me for legal action. This is not okay, they call my place of employment, family, friends and my personal number.
Sent debt validation letter to Commonwealth Financial Systems XXXX XXXX XXXX, XXXX on XX/XX/2018 via USPS Certified Mail. Tracking # XXXX. Letter requested proper validation of debt and HIPAA requests. I have yet to receive any response whatsoever from the mentioned collection company and it is now past the required 30 days and I am now requesting the account be deleted and removed from my credit profile.
1. I provided the credit card company XXXX XXXX, and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company XXXX XXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.
Do NOT include any personal information such as account numbers or Social Security numbers. 
I had a check hit my account during overnight processing - I was told by a represantive at the bank and customer service line that this happens at XXXX and XXXX in the morning. I was alerted my account was overdrawn around XXXX - I called told them that I was going to make a deposit and they advised me to call back once I had made the deposit and they would pay the check. I made a deposit at XXXX - I went into the bank where they informed me I needed to call customer service to make sure that the check was going to be paid. I called customer service who initially told to turn around and go back to the bank and speak with the Branch manager - I asked to speak with a supervisor - I was transferred to a Money Manager - who told me nothing could be done because the deposit was not made before XXXX and then said they needed to review the acocunt and speak with another Manager - I was placed on hold for XXXX hour and no one came back to the line. I called back and was told that it was too late and there is no such thing as a XXXX Manager and they had no idea what I was talking about. Extremely unprofessional, misleading and decietiful - all the way XXXX was the last represantive I spoke to and refused to provide her name or access to a supervisor. I had to ask several times - it is absolutely absurd that every the policies and procedures of a bank change depending on who you are speaking with.
IVE NEVER AUTHORIZED INQUIRY OF CREDIT THROUGH TRANSUNION. IVE CALLED TO DISPUTE AND THEY HAVE REFUSED TO INVESTIGATE. I REQUESTED TO SPEAK WITH XXXX DEPARTMENT AND THEY HAVE REFUSED TO PLACE ME IN TOUCH WITH FRAUD. 
ALL XXXX INQUIRIES ARE INVALID AND WERE NOT INITIATED BY ME
It is being reported that Equifax had a massive security breach, resulting in the compromise of myriad Americans ' personal information. According to a website set up to check, I appear to be affected by this hack/compromise. As a result, I have had to pay money to place freezes on all of my credit reports. I believe that Equifax should have taken all possible actions to secure my data, along with the data of all others compromised today. I will absolutely speak with an attorney about a lawsuit in order to recover the {$30.00} I spent today freezing my reports.
A Judgement on my Experian credit report Which is  PAID, h as not been removed.