WillisBack/dataset-financial-user-claim huggingface dataset:
Dear CFPB representative, I am following up on a previous complaint I submitted XX/XX/XXXX ; complaint ID # XXXX that was never addressed nor corrected by XXXX XXXX ( representative of Wells Fargo ). Her contact number is XXXX ext XXXX. Attached to this email will be : - a copy of the response letter from Wells Fargo datedXX/XX/XXXX confirming that the company received CFPB complaint and that the matter would be addressed ( my request was a new revised billing statement which would show my {$1400.00} cash payment to be used towards the principal payment and not in unapplied funds balance ; -copy of billing statement dated XX/XX/XXXX showing {$1400.00} going towards unapplied funds ; -copy of an email from Wells Fargo that the request was solved, which it was not ; -copy of the list of the mortgage billing statements available on the Wells Fargo website ; the latest statement dated XX/XX/XXXX which has the error. No new billing statements after this date has been applied to show that the {$1400.00} cash payment was applied towards the principal ; -copy of Wells Fargo online account summary that shows the correct principal payment of {$140000.00} ; but, the actual mortgage billing statement for the unpaid principal balance states {$150000.00}. 
In conclusion, I received two voice messages from the Wells Fargo representative, XXXX XXXX ; I have returned her call twice, including leaving her a message as to my request to correct this matter. However, no changes have occurred as of yet and it has been more than two business days. 
Would you please assist me on my behalf by notifying XXXX XXXX and finding out the hardship as to why this matter has not been corrected.
I notified Mr Cooper That My husband the borrower of our mortgage has past away on XX/XX/18 I told them I would be having difficulty Paying mortgage. I immediately Filled out all paper work for hardship modification. In more then 10 years I never had a late payment. I was a good customer. I was denied within days I was scared. I asked if they could offer any kind of forbearance with many mortgage companies do they said no! I asked if they could help in any way the answer was the same no! The only thing was to be late and repay it over the nextt month but that would damage my credit. No money no credit I was just appalled how terrible this bank treated there customer. No option for someone in hardship. Except go further in trouble.
I recently checked my credit report and saw posted two collection items from COMMERCIAL ACCEPTANCE CO. posted XX/XX/XXXX. I proceeded to dispute the charges via the credit agencies email dispute pages. I had sent letters to the aforementioned collection agency on or about XX/XX/XXXX and again on or about XX/XX/XXXX. I never received a response to the second letter disputing the debt. More than 18 months later this collection agency posted the debt to my account though to date they have not responded to my second request to verify the debt. The items were removed from my credit report by the end of XXXX. XXXX XXXX I received another collection notice from CAC with another stated amount. I again contacted them XX/XX/XXXX requesting verification of this debt that I do not recognize. On XX/XX/XXXX I received another collection notice with an additional collection item but still nothing showing how I owe this debt. I believe this to be a result of identity theft. I had mine and my children 's credit frozen due to identity theft that was reported to the XXXX, IN police department in XX/XX/XXXX.
I have a Citi Prestige card with Citibank. Upon calling for retention I was told about an offer on my card if I spent $ XXXX a month for 3 months, Citi would refund back to me {$200.00} for that spend. 

For the next 3 spend cycles I spent {$4000.00} a month on my Citi card often using the Citi card when it would have been better to use other credit cards if not for this offer. 

At the end of 3 months when I asked about my reward Citi basically told me they had defined 3 arbitrary periods a month and my spend doesnt fit the $ XXXX a month as defined by them arbitraririly. I would like to clarify, I was never told about these arbitrary periods in my call to Citi and its impossible to predict that Citi would mess up something so straight forward. 

I escalated the issue via Citi but today I got a generic letter which tells me I have not met the requirements completely ignoring the nuances of the case.
Had a Doctor a ppointment, amount charged was not covered by my insurance, the admin suggested to open  " Credit Care Card '',  with no interest payments for 18 months.   My balance was {$1600.00} and at {$100.00} per month I thought no problem. Just recently had unexpected   XXXX    expense which I was able to put on the card. This brought the balance up by a couple hundred, ag ain I thought no problem. The invoice I received in  XXXX  and  XXXX  indicated to pay balance in full to avoid interest charges. Because my balance was so low, I did not think much of this. However my  XXXX  bill the interest applied was more than the balance I owed!
Despite having enrolled in the do not solicit list, I received an offer for a Chase Sapphire card. After several attempts in discussing the issue, we finally got assurance that no further offers would be sent after elapse of an approximate time period. However, we have received another offer.
Equifax, XXXX, and XXXX is constantly fraudulently reporting accounts on my report inwhich I HAVE NO CONTRACT WITH, I have repeatedly disputed these accounts all to no prevail. The constant harassment and XXXX hardship only would lead me to suing this companies. Never once have these reporting agencies nor the companies they represent brought forth any physical documentation that shows that I have a verified account/ contract with the following companies, ( 1 ) XXXX XXXX XXXX , {$900.00}, ( 2 ) XXXX XXXX XXXX , {$1000.00}
1 ) XXXX XXXX has used Thug Like Measures - Demanding ( without Surety discussing with me ) Has aggressively asked my Surety Bond Company Cancel my bond for XXXX/XXXX license that had direct impact on XXXX XXXX License XXXX ; which I have had for nearly 4 years. Dated XXXX/XXXX/16 a. We have a written agreement XXXX/XXXX/16 ; XXXX & XXXX & XXXX Baxter Bailey with 4 payments ( two made already ). 

b. Our Surety cancelled both bonds, I was under the impression since we had an agreement with BB that this would not impact the bonds. 

c. Am reapplying for new bonds, IF I AM NOT ELIGIBLE or am denied I can be forced out of business that will impact XXXX-XXXX employees. 

2 ) BAXTER BAILEY XXXX XXXX - Collections Associate and the company have multiple legal and complaints 3 ) XXXX XXXX Baxter Bailey VP Sales has placed a XXXX website posting on XXXX/XXXX/16 ( EMBARASHING and placing information out there that needs to be removed ). 

4 ) XXXX XXXX and XXXX a XXXX business is NOT AWARE OF THE " harassment, online doxing ( shaming ), and the failure to resolve the claim once it was settled '' CAN YOU ASSIST ME XXXX - XXXX XXXX ( USA ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA. XXXX Ph : XXXX Fax : XXXX Cell : XXXX
On XXXX XXXX, 2016 I went with my mom to send a Moneygram costing altogether {$190.00} to some people who said they can make medicine from XXXX, XXXX. I visited their website & I thought they looked trustworthy not knowing they were not at all. I sent the money & tried calling them. Their phone was off but he could text. He said the package was on XXXX & he needed {$100.00} more for a shipping agency. I just cancelled & said I wanted a refund not knowing it was a scam. I called Moneygram but they were no use. So it was a scam the whole time, but I need to get my refund back as soon as possible.
I 've opened a credit rebuild auto loan with XXXX XXXX on XXXX/XXXX/XXXX which states the loan is a rebuild program because they report payments to all 3 credit bureau 's which will help the credit score. To date this has been false, my credit score has not gone up the entirety of my auto loan and XXXX XXXX stated they report payment history. My credit scores are not equate due to this and it 's so frustrating dealing with these type of auto loans that promise to rebuild your credit by reporting to all 3 and they never do they just put the vehicle loan amount on your credit if the vehicle is a lemon and only last you hopefully a year and it 's just not fair that they get away with these tactics. My vehicle is still running fine thank god but it 's an XXXX sold with high miles no warranty I 'm paying high interest which makes the vehicle costs triple when blue book value is only {$4000.00} and change the loan term is 4 years yet they ca n't be polite and keep their word of reporting so it helps the consumer really rebuild credit? And my apologies for sending this over a few times I just do n't know where/how to begin and again it 's so frustrating when you have life curve balls beyond control and when you try to start over and rebuild with these loan sharks it 's impossible : - (
Messerli & Kra  mer A ttorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.
In XX/XX/XXXX, I opened a Lowes/Synchrony Bank card. In XX/XX/XXXX I paid this card off and it was sent to collections anyway. XXXX XXXX bought the debt and has put negative information on my credit report. I have reached out to this company to prove the debt was paid ; however, they will not respond. They say the balance is {$2600.00} and opened in XX/XX/XXXXbut I have proof I paid {$7900.00}.
I have been in contact with the original creditor since just after our bankruptcy filing. Although the filing was dismissed, the original creditor has indicated to me that they have written off and closed my account. However, a third party debt collec tor, Cavalry Portfolio Services, LLC  has continued to harass me about this debt. My credit report also shows this debt as being charged off, so I assume that Cavalry has purchased some right to collect a non-existent debt for pennies on the dollar, and now seeks to profit from people who do n't know better than to succumb to their harassment tactics. I am not that person. I have written them a dispute letter, clearly asking them to provide documentation showing that this debt still exists, and documentation showing the assignment giving them authority to collect it. They have provided nothing but now  2  response letters indicating that I have disputed the debt, but have failed to request any information from them. Clearly, they are playing a childish game to try to catch me in a 30 day trap of failing to respond. Again, I am not that person. I can certainly outlast them, but as I understand the law, they have a duty to respond to my request for information fully and with great detail, and are not allowed to continue to harass me. I would like for the CFPB to investigate this company, as I have not been able to find any filings in our state giving them the ability to even engage in third-party debt collection activities here.     I have attached my original response to Cavalry, dated   XXXX   XXXX   XXXX     ; my second response to Cavalry 's letter indicating that I have failed to request any information, dated   XXXX   XXXX   XXXX     ; Cavalry 's 3rd letter to me, again saying I have failed to request information, dated   XXXX   XXXX   XXXX    , and my letter of today, again informing them of the information I have requested multiple times, and informing them of my complaint with you folks.
I transferred money to two recipients via paypal. After I transferred it, choosing the paypal option that does not charge fees, my recipients notified me that they received notification that they would be charged 4.5 %. I contacted paypal and they have walked me through a resolution. Since I disputed the event, they transaction would not go through to the recipients, but the money would be transferred from my bank to my paypal account and then I can transfer it back. This will take a full 5 days however. and in the meantime, my recipients will not receive their money until I reprocess the transaction. I am attaching a file that indicates what is wrong with PayPal 's workflow where an additional " purchase protection '' selection charges the RECIPIENTS a fee without disclosure.
I had spoken to JP Morgan chase mortgage department about removing of pmi as well as escrow for taxes and insurance on XX/XX/XXXX. I was told that I met the requirements to remove pmi and subsequently the requirement for escrow. Around XX/XX/XXXX I received a letter stating that I need to have an appraisal done to remove pmi, which I had completed in XXXX of XXXX, this was due to the representative on the XXXX not properly filling out the pmi removal request. The representative from mid XXXX assured me that they would take off the pmi as well as escrow requirement before my XX/XX/XXXX payment. On XX/XX/XXXX I was charged for pmi though I was told I met the requirement to have it removed and so I called JP Morgan Chase to resolve the issue. The representative stated that this was normal though on XX/XX/XXXX I was sent a letter by JP Morgan Chase stating that I would no longer have to pay pmi after XX/XX/XXXX. I was then sent a letter on XX/XX/XXXX stating that my escrow account would not be closed until XX/XX/XXXX though I was assured by previous representatives that it would be prior to XX/XX/XXXX. On XX/XX/XXXX I was charged for the escrow and as of XX/XX/XXXX JP Morgan Chase increased the escrow requirement though it was suppose to be closed. I have recordings of every conversation that I have had with JP Morgan Chase regarding this matter if required.
Bank, XXXX XXXX XXXX XXXX had notified Equifax and other credit agencies that XXXX made an error on customers account and reversed negative late payment history in XX/XX/XXXX. Equifax and others had not corrected customer history so customer disputed again in XX/XX/XXXX. XXXX too re-notified Equifax and still they did not remove disputed error. XXXX operators at Equifax were unhelpful and unable to assist and just kept offering to send a free report. In the meantime, my credit history had been ruined..
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Since XXXX of 2013, I have been going submitting documents to modify my home and the company who I have my mortgage with has been asking me to submit the same documents over and over again. My interest is going up this month XXXX XXXX XXXX 4.75 %. The reason I need to modify my home is because I was getting child support of {$750.00} and it ended in XXXX. I submitted my documents 3 mths in advance in order to give them ample time to work on my modification. However, they are giving me the run around and continue asking me for documents they already have. I have continued paying my mortgage and because of this I can no longer pay.. I want this resolve asap. 

Thank you.
XXXX XXXX sent my billings to the wrong address for months after they were advised that I had moved. Bills were not delivered to me until months later. When they turned bill over to GC Collections who immediately contacted my ex wife, even though she was not a cardmember. They contacted her before I even received notice that they were involved. They advised her who they were, what was owed, etc. This is not the first time this has happened. This happened several years ago on XXXX account XXXX. They went so far as to call my children to attempt to collect the debt, threatened me with court and called continuously, even though they were advised not to. XXXX XXXX was made aware of their actions at that time but still uses them. It would appear to me that XXXX is aware of the problem and approves of their tactics.
I, XXXX XXXX hereby files a complaint to clear my name with two creditors that need to take an identity theft matter seriously. I have attached to this complaint copies of my original complaints on both creditors. The responsible party for this identity theft was my own father. I should not be penalized for his actions, and for that matter I did request copies of all original creditor contracts that were fraudulently signed with my name. I never received any credit cards from either creditor, and I never knew the accounts existed until I was notified that these credit cards were in default after they were maxed out on credit limits. It does not matter to me if this identity theft is turned over to the proper legal authorities, as what is important is that the truth must be exposed. 
Accordingly, all fraudulent accounts must be deleted from my credit reports permanently. I did receive notice on one of the deletion pages from Equifax, whereas XXXX XXXX stated that they reviewed the creditor documents, and that there was sufficient evidence showing that I was the signing party, and the person responsible for payment. This is a complete fabrication. Therefore, I have no choice but to file a complaint with Equifax as well as every credit reporting bureau that the investigation process mandated by the subscriber agreements signed by creditors is being ignored. Each creditor must comply under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act under the subscriber agreement upon. Therefore, I file this complaint with the Consumer Financial Protection Bureau to fulfill the agreements between creditors and credit bureaus. 
All the complaints must be taken seriously, and my rights must be protected. All accounts must be deleted permanently from my credit bureaus, and I must be given notice that my name and social security number have been purged to avoid future collection activities, either by the creditors directly or any associated collection agencies. 
I will obtain legal counsel if necessary as these violations on my rights have caused me great financial harm as well as mental and physical problems. These accounts must be deleted permanently, and my name and social security number must be purged immediately.
I have a derogatory mark on my credit report from an open collections account from Stanislaus Credit Control. I never received any phone calls or letters from them since the account was opened six years ago. For the past month and a half, I have tried calling and e-mailing them multiple times but have not heard back. I would like to settle this debt but am unable to get in contact with them. It is hurting my credit and I want the account closed.
I have wrong letters and contacted both Equifax credit and XXXX about the hard inquirys recently put on my credit they have refused to remove th hard inquiries and it was not me none of the hard inquiries was me for auto loans. They told me I need to place a police report the police said that no crime has been committed so Im at a rock and a hard spot. But here has been XXXX hard credit pulls for auto loans most of them where done from XXXX XXXX 2017 to XXXX XXXX 2017 My name is is XXXX XXXX
Bank of america closed my account about a month ago because of XXXX returned check i had tried to place a stop order on. This was the first and only time this had ever happened. This was bad enough but, what really has me upset is that they owe the money in my account. I awaiting on a XXXX check they say is coming but never does. BOA 's risk or fraud dept. is horrible I have read so many bad reviews online.I need my money to pay rent, to buy food, etc. They do not care. Can you help me?
Experian provided me a report # XXXX that Said XXXX XXXX told them that the item on my credit report meets the requirement of the Fair Credit Act XXXX XXXX has a permanent FTC & CFPB order against it See page XXXX paragraph XXXX also green tree did not accept a certified letter return receipt requested nor write back I sent Experian a copy of the consent order, certified return receipt requested and they signed for it on XXXX XXXX all files are attached if the FTC CFPB consent order attached means any thing Sanction Experian for thumbing their noses at you.
75 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid - Payment Status Details Current, was past due 60 days Paid or paying as agreed - Status Updated XX/XX/XXXX - Balance {$48000.00} This account is reporting on my credit report, its not my account
Re : Case # XXXX So is the result that my XXXX options are to either sue American Express Centurion Bank in small claims court or allow them to keep {$1400.00} of my money that they have admitted that they received custody of in my behalf? And you have no authority nor can refer me to an authority for assistance with my issue?
On Friday, XXXX XXXX, XXXX, I contacted XXXX XXXX XXXX via telephone, to question them about my debt account they purchased from Chase Bank Credit Card Division. I informed them, that said debt had no activity since XXXX, and asked why do they continue to contact me. I was informed that the last payment to Chase was XXXX XXXX. I informed XXXX, I have not paid anything on this account since XXXX, and that someone, including them, XXXX claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from XXXX XXXX and was informed, XXXX sent out a letter in XXXX. I told the XXXX Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XXXX. Again, I requested the letter, and was told, " No. '' Additionally, since I have not paid on this credit card bill since XXXX, I am requesting XXXX cease reporting this to XXXX Agencies. 

Chase Bank USA card number : XXXX XXXX account number is same as chase, but, they also have another number, too : XXXX