WillisBack/dataset-financial-user-claim huggingface dataset:
CFPB Complaint - Prospect Mortgage XX/XX/XXXX Suspicion of double-selling and fraud I believe I closed a loan with Prospect Mortgage on XX/XX/XXXX because my note and Deed of Trust state Prospect Mortgage as the lender. I received a Notification of Transfer of Servicing from Prospect Mortgage in XX/XX/XXXX saying servicing was released from Prospect Mortgage on XX/XX/XXXX and that XXXX XXXX XXXX XXXX was the new servicer as of XX/XX/XXXX. <P/>I also received a letter from XXXX XXXX stating that Prospect Mortgage sold my mortgage loan to XXXX XXXX XXXX on XX/XX/XXXX. <P/>I contacted XXXX XXXX via telephone and asked who was the owner of my mortgage, and they stated XXXX XXXX was the owner of my mortgage. <P/>I contacted XXXX XXXX via telephone and e-mail and requested the dates when they owned my loan, and to provide who they purchased my loan from.XX/XX/XXXX via e-mail, XXXX XXXX confirmed that the mortgage loan was transferred to them effective as of XX/XX/XXXX. I requested from XXXX XXXX multiple times via email, phone and written mail who transferred the mortgage loan to them in XXXX. They have concealed the name of the transferring or selling party. <P/>I have contacted Prospect Mortgage multiple times requesting when did they sell the Principle and Interest of the mortgage loan. They have constantly referred to the date of XX/XX/XXXX as the date servicing and Principle and Interest were sold, and that they were sold to XXXX XXXX. However XXXX XXXX XXXX states the loan was sold on XX/XX/XXXX to XXXX XXXX XXXX, XXXX. <P/>According to XXXX XXXX, the loan was sold to them ( they became the owner of the loan ) on XX/XX/XXXX, but according to XXXX XXXX they became the owner of the mortgage loan on XX/XX/XXXX. <P/>My credit reports do not indicate any loan history at all with Prospect Mortgage. My credit report indicates a mortgage loan was opened with XXXX XXXX on XX/XX/XXXX Additionally, my credit report shows insufficient information which is hurting my credit score regarding the mortgage loan being reported to my credit file. <P/>Based on the information that has been provided by XXXX XXXX, XXXX XXXX and Prospect Mortgage, it has lead me to the suspicion that my mortgage may have been double-sold, or Prospect Mortgage was never really my true lender. For example, XXXX XXXX claiming they acquired my mortgage loan on XX/XX/XXXX, and XXXX XXXX XXXX claiming that Prospect Mortgage sold the loan to XXXX XXXX XXXX on XX/XX/XXXX. <P/>ADDITIONALLY, my account has never been credited for the Interest I paid from XX/XX/XXXX throughXX/XX/XXXX. Prospect Mortgage has stated that will just be on my HUD-1 Statement and will not appear on my billing statement, however the interest amount ( {$140.00} ) DOES appear on my first billing statement. <P/>I demand Prospect Mortgage explain how the same mortgage loan can be owned by two separate parties at the same time?
I am writing in regards to a dispute that I had opened with Chase regarding my checking account. On XX/XX/XXXX, I had requested a stop payment of {$830.00} to my landlord for rent payment because I had set up recurring payments online and could not access their online system due to technical difficulties on their end. I called into the XXXX number for Chase and was granted the stopped payment. I asked and confirmed about twice that this would be a XXXX time stop payment and stop recurring payments. Months following this process, I would log into my Leasing office account to pay rent and manually pay from my credit card or bank account to which a day later would result in the payment being stopped. Due to this fact I have accrued {$310.00} in fees for late payment. This has caused immense financial strain and burden. Also, I would like to mention another incident where there was a an admitted point in human error by a banking associate at the XXXX, CT XXXX XXXX XX/XX/XXXX branch where I awaited a deposit in XX/XX/XXXX in my account from a payee who deposited it into the branch but it was put into another customer 's account, resulting in loss of funds to pay important bills that month. I was sent a letter apologizing on half of the error that also stated that my account number and info may had been available to another customer in the whole process.
My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. I am writing in regards to an investigation of financial abuse for a client.
On XX/XX/XXXX I submitted a request for a year 's worth of bank statements from Wells Fargo. On XX/XX/XXXX I received a response from XXXX XXXX stating that I would need to provide a signed authorization from the client to release the statements ; however, my client was XXXX and I obviously could not obtain that form from her. In addition, I could submit a signed POA form noting myself as her attorney-in-fact, but I am a XXXX XXXX with a county agency ( XXXX ) who has no authority to become POA for a client. It is in fact unethical and against policy for me to do so.
On XX/XX/XXXX I sent a response to the Denial of Request which is from the XXXX XXXX XXXX XXXX XXXX which stated the laws pertinent to this request. OnXX/XX/XXXX XXXX XXXX of Wells Fargo sent me the same response fromXX/XX/XXXX.
I have attached the correspondence to the file below.
It is quite unfortunate that a bank such as Wells Fargo will not protect their clients who are victims of financial abuse and cooperate with XXXX XXXX XXXX so that we can complete our investigation. I would like to see Wells Fargo complete my request, which is seen in the correspondence documents.
Bank of America - long time customer and small business owner with multiple accounts XX/XX/XXXX -  Went to local branch to notify them my father who I held joint accounts with passed away on XX/XX/XXXX and I wanted to start the process to take his name off joint accounts and also cash in two CDs he had and move the money into my personal account. <P/>It is now almost three months later and still not handled after MULTIPLE visits to the local branch, multiple phone calls, multiple faxes, multiple mailings of same documentation over and over again. <P/>I am the Executrix of the will. The will has been probated in the state of New Jersey. I have Short Certificates which have been given to the bank indicating the will was probated and I am the authorized representative of the estate. By the way, there is minimal amounts of money involved. <P/>XX/XX/XXXX - received a call today from the Estate department that they want a copy of the will. I refused because it is none of their business and they have the probated will documents with official raised seals from the State of New Jersey.
I applied for assistance in saving my home on XXXX XXXX, 2015 by submitting a complete financial package to my servicer Nationstar. On XXXX XXXX, 2015 I was advised I was denied for a loan modification on XXXX XXXX, 2015. I have been trying to get a copy of my denial letter and NPV chart so my attorney can appeal the denial however Nationstar is evading giving me the information. They are stalling and making me request these items in writing and soon my ability to appeal my denial will be over because they have stalled now XXXX days and I only have XXXX days to appeal. I have been told this is a common tactic used by Nationstar to stall after denial in order to evade an appeal. They finally sent my attorney the denial letter by fax on XXXX XXXX, 2015. But they purposely left out the NPV chart and said I have to request that in writing. Another stall tactic to burn more time with the goal of pushing me past the XXXX days period to appeal. I am now waiting XXXX days and still no NPV chart. Attached I have included my written requests required by Nationstar just to get a copy of my denial. I know there was an error in my last review. The reason they are telling me I was denied was due to " Negative disposable Income ''. I know this is not true. There is some sort of mistake with the information they have and the only way I can find out what information is wrong is if they give me my denial letter NPV chart in a timely manner. Please stop Nationstar from this practice of stalling and avoiding issuing a denial letter and NPV chart. It does n't seem right that they are now requiring people to request the NPV in writing and only issuing it to them after the time period to appeal has expired or almost about to expire. I am running out of time and Nationstar is purposely stalling so I can not appeal. This is wrong and I am sure they are doing this to many people.
On XX/XX/2018 I contacted XXXX for a fraudulent inquiry that was placed on my credit report. I completed mailed documents that they required and also contacted the credit bureau on three different ocassions and it has not been resolved and removed and has tremendously affected my credit. I also received another fraudulent XXXX   charge that I never requested. I feel that something fraudulent is going on with pay pal. Several of my family members reported several fraudulent XXXX charges recently. They have not corrected and removed the fraudulent inquiry and it is now XXXX over 90 days and that very poor abusive and illegal service.
In Regards to my USAA SAVINGS BANK # XXXX XXXX card, I notice my credit report states a remark of XXXX for every month starting XXXX XXXX. However, this account has n't been in dispute. To make it even more peculiar this account almost never even had a balance or any charges on it to dispute. Additionally, in XXXX XXXX USAA began reporting codes XXXX and XXXX, despite this account being in good standing since the date it was opened in XXXX, never having made a late payment or being in anything but positive standing. I was not notified the account was closed until the end of XXXX and never given a detailed statement as to why, despite my repeated requests. 

Furthermore, my online account access was restricted preventing me from viewing or seeing my past billing statements which USAA has refused to provide past or even current statements for this and other accounts despite repeated written requests. My initial requests for documentation were close to 120 days ago, well past timeline set forth by the fair credit billing act, truth in lending act and fair credit reporting act, in addition to those timelines set forth in regulation Z
GAVE BACK LEASED CAR AND GOT ANNOYING CALLS WHERE IS THE CAR SAID I NEVER PAID AND WILL NOT SEND TO CREDIT BEUREAU BUT THEY DID SCORE DOWN XXXX POINTS
The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XX/XX/2018, Address Identification Number : XXXX.
i originally had an orchard bank secured credit card for more than a year. they returned my held funds after i paid it off all the time. capital bank bought them out and sent me a new card. they NEVER mailed me a statement or ANY notice of interest accruing. i used the card only for gas and i continued to pay it every month, trying to estimate what i had spent on gas by what my orchard card used to be. i finally called them and said i had not been recieving any bills and told them what i told you. i said to eliminate any interest and i would gladly pay the rest. they said they understood. then they mailed me a letter that said my story was not true and i owed them LOTS of money due to the interest they had NEVER given me notification of. i would like to pay off anything i actually owe LESS any interest. immediately.
Even after settling a XXXX lawsuit for abusive overdraft practices, PNC Bank has not stopped their manipulative practices to create overdraft fees on their customer 's accounts. As my attached ATM receipts will show, PNC is giving their customers one set of accounting figures, while they are using another set of accounting figures internally. In doing so, they have unfairly charged me XXXX ( XXXX ) overdraft fees of {$36.00} each. Please note the following : 1. ATM receipt # 1 - date XXXX/XXXX/16 a withdrawal of {$45.00}, new available balance {$120.00} 2. ATM receipt # 2 - date XXXX/XXXX/16 a withdrawal of {$50.00}, new available balance {$74.00} 3. On XXXX/XXXX/16 - {$1.00} purchase in workplace cafeteria - availability immediately taken away, new balance {$73.00} 4. ATM receipt # 3 - date XXXX/XXXX/16 a withdrawal of {$20.00}, new available balance {$53.00} ( also proof that the {$1.00} was already taken from my availability ) 5. On XXXX/XXXX/16 there were XXXX ( XXXX ) pending payments of {$25.00} & {$66.00} totaling {$91.00}, new available balance XXXX 6. ATM receipt # 4 - date XXXX/XXXX/16 balance inquiry, available balance XXXX 7. ATM receipt # 5 - date XXXX/XXXX/16 deposit {$100.00}, new available balance {$62.00} 8. ATM receipt # 6 - date XXXX/XXXX/16 withdrawal of {$60.00}, new available balance {$2.00} On XXXX, PNC charged me XXXX ( XXXX ) overdraft fees of {$36.00} totaling {$72.00} for the payments of {$25.00} & {$66.00}, although my ATM receipts show the {$100.00} deposit covered these XXXX ( XXXX ) payments. On XXXX/XXXX/16 PNC charged me XXXX ( XXXX ) more overdraft fees of {$36.00} totaling {$72.00} for the {$60.00} ATM withdrawal on XXXX/XXXX/16 ( receipt # 6 ) and the {$1.00} purchase from XXXX/XXXX/16. These are fraudulent, unfair, and abusive practices and I am demanding reimbursement of the {$140.00} PNC stole from me. 

These figures are not just what I believe, but they are what PNC Bank have provided me based on my receipts. The ATM balances are in " real time '', then PNC fraudulently manipulated the processing to create fees. 

On a larger scale, I hope that you will launch an investigation into PNC 's manipulative and abusive practices. 

The math plain and simple : XXXX ( XXXX pending payments ) XXXX ( ending available balance )
In XX/XX/XXXX, I began to inquire about loan forgiveness. Not once did anyone inform me of T he PSLF Program. The only program I was told about was the XXXX XXXX Forgiveness Lrogram. Well, I applied only to be told I didn't/do n't qualify due to the original date of my loan. Of course, I tried more than once both on paper and by phone, but not once did anyone tell me about The PSLF Program. It was not until XX/XX/XXXX that a representative informed me of The PSLF Program. I immediately completed my paperwork to consolidate my loans to take advantage of loan forgiveness. At the time, I did not know the program was introduced in XX/XX/XXXX, eight years prior. I often think about how I could be nearing the end of my 120 payments, and I get upset. I have since voiced my concerns with XXXX XXXX XXXX, and the rep told me many servicers were not well versed with the subject. I do not feel I should have to suffer due to misinformed or uninformed customer service reps. I have not contacted the original servicer, SC Student Loan Corporation, but I will. Also, any assistance that can be provided will be greatly appreciated.
I am being sued by a debt collection agency called XXXX XXXX XXXX out of XXXX XXXX, Michigan. For background purposes, I lived XXXX from XXXX until XXXX of XXXX when I moved to XXXX. In the late XXXX 's, I had entered into the credit card contract with Wells Fargo Bank while living XXXX, and any charges made on that account would have been made XXXX. According to XXXX XXXX XXXX, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, XXXX XXXX XXXX are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state XXXX, this contract has nothing to do with the state XXXX and the 6 year SOL XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat XXXX " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

XXXX XXXX XXXX is supposedly a " XXXX XXXX XXXX '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. XXXX XXXX XXXX and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits.
I was set up with autopay for my XXXX credit card. XXXX changed something which resulted in my autopay not going through. XXXX did not contact me to tell me about this change. Upon learning of the issue, I immediately paid the balance and XXXX simply reactivated my autopay. I have contacted XXXX on the issue and have not been able to come to a conclusion.
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ;
XX/XX/XXXX Dear Mid-First Bank and or Midland Mortgage : On or about XX/XX/XXXX I contacted Midland Mortgage about misinformation the company made and placed on my credit report. I disputed the information and contacted the XXXX, ( XXXX XXXX XXXX ), a Midland third party partner. I spoke with XXXX who told me Midland had provided the information I was disputing to XXXX, XXXX and XXXX XXXX. Specifically, XXXX said Midland reported as of XX/XX/XXXX I was more than 120 days past due on my mortgage. That information is untrue. XXXX also said Mid-First Bank and or Midlands policy is to report mortgages as delinquent or late even if the mortgagee continues to make payments which I did after contacting Midland to request mortgage assistance. I was approved for a reduction in payment plan in XX/XX/XXXX and thereafter placed on a modification plan with a 3-month trial payment period that I paid as agreed. Nonetheless Midland reported to the credit agencies I was 120 days delinquent in XX/XX/XXXX. I believe incorrect reporting violates the Consumer Protection and Fair Debt Practices Acts. 
Any payments not made on my mortgage occurred because Midland instructed me to not make payments until after my modification was completed. I did as Midland instructed. I want my credit reports corrected and future reporting to be accurate as according to law. I want a statement from Midland explaining its policy with supporting legal documentation.
I look forward to hearing from you.
I am a victim of identity theft and someone stole my US Bank Visa credit card and made fraudulent charges on my credit card account. I have sent numerous letters, police reports and copies of my personal identification to US Bank and informed them someone stole my US Bank Vise credit card and made fraudulent charges on my credit card account. US Bank informed me that I am responsible for the fraudulent charges. US Bank is violating the Federal Fair Credit Reporting Act. I wo n't send any further correspondence to US Bank in reference to this matter.
THE BEGINNING BALANCE AND HIGH CREDIT IS INCORRECT. I AM ATTACHING COPY OF SALES CONTRACT REFLECTING THE CORRECT BEGINNING BALANCE AS {$3000.00} WITH A {$730.00} DOWN PAYMENT NOT THE {$3900.00} BEING REPORTED
Inaccurate information on my credit pay status balances, example a collection agency that the vendor was paid direct I don't owe the collection agency. 

a loan reporting late but has never been late and is paid in full.
Received both subsidized and unsubsidized loans from XXXX XXXX for $ XXXX and signed loan agreements for 4.25 % interest. XXXX XXXX rolled the loans over to Navient. 
My payments are up to date.I have been paying {$200.00} a month for over 15 years. 

- They do not give you a way to pay more than the minimum amount every month. 
- At the end of the loan, the amount paid back above the principle was $ XXXX - Instead of the 4.25 % interest I signed for, they are charging 50 % interest which is illegal in every state. 
- When I called to try to find out why they were charging that much interest they sent me copies of a TIL statement that I had not seen and did not sign when I took the loan. 

This needs to be investigated and stopped. XXXX XXXX and Navient need to pay back the over paid interest. My loans should be fully paid after 15 years of making payments - but I'm still only half way through paying them.
On XX/XX/XXXX I checked his credit thru a credit monitoring service and discovered several accounts dating back to XXXX had been open in my name without my authorization. A personal credit card accounts had charges to it that I never authorized. Other Unauthorized accounts includes loans and mobile phones.
I never applied for this loan and it is fraud. I have filed court order but did not press charges. I do not understand how the loans are stated but this is not week to take dime out of my account. Multiple loans came out of my account for years. XXXX isnt my email.. or whatever it is.
XXXX automatically charged a product to my credit card account. This had happened before and at that time I called and cancelled my card and received a new one with a different card number. I inform XXXX that I did n't want them automatically charging to my account. It happened again in XXXX, 2016. The credit card company allowed XXXX to charge to an account that did n't exist, they transferred the charge from my old card number to my new one. When I called the representative of the credit card company they said they could n't do anything except challenge the charge. I did that. 

I just received another bill from the credit card company stating that I owe {$85.00} for the XXXX charge, plus a late charge, plus a minimum interest charge fee. I feel like I am being harassed. I closed the account, yet after taking to a representative a second time they said they ca n't close the account. I spoke with a supervisor and they were no help at all. I called XXXX and received a refund on XXXX XXXX, 2016. They told me to contact the credit card company and give them this number : XXXX or XXXX. 

I sent all of this information to customer service in XXXX, ND.
XXXX XXXX XXXX XXXX sends letters saying I owe {$230.00} I disputed it based on identity theft. It was not my credit card, someone opened it in my name.
I wired Wells Fargo a large sum of money to attempt to payoff a reverse mortgage on my father 's estate on XXXX/XXXX/XXXX. My bank, XXXX XXXX XXXX charged me the service fee of {$30.00} and the money hit the Wells Fargo account on XXXX/XXXX/XXXX. I left off the reference number of the reverse mortgage in the body of the wire so Wells Fargo did not initially accept it ( See case number complaint XXXX ) and the money was wired back. I wired the money back to Wells Fargo and it was accepted. My complaint that I referenced in the dispute of the case number above is that when the funds were returned, the amount was short {$45.00}. I checked with XXXX XXXX XXXX and they did not withhold any kind of fee for the return of the money. I need to account for the missing {$45.00} because these are estate funds and other heirs are involved. The contact at Wells Fargo that handled the old complaint told me all the money was wired back but clearly the entire amount did not hit my account.