WillisBack/dataset-financial-user-claim huggingface dataset:
I cosigned on an auto loan. My son is not able to pay the loan. I decided to pay the loan off in full. When inquiring about the pay off amount and asking to have the Title to be sent to my address, I found out that Wells Fargo had never received the Title. I was not listed on the title and Wells Fargo is not listed on the Title as Lien Holder. This was XXXX of 2017. I asked the costumer service representative why I was not notified of this. She said that she needed to verify my personal information. Evidently, when I filled out the application my name was already in their system and Wells Fargo pulled my old information from their system and put it as my current information. I was never notified that there was a problem with the Title. I also found out that the percentage rate was changed from 12 % which was extremely high already to 17.99 %. In my paperwork it states the dealer, XXXX XXXX will complete title transfer and registration of ownership to the above names, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX and Register the lien holder on the title as Wells Fargo Bank. Apparently none of this was done. I had no idea until I called to pay off the loan. I would have taken care of this if I knew that this problem existed ... I have called Wells Fargo since XX/XX/XXXX trying to get some answers. I have left multiple messages, been assigned to multiple supervisors, who have never contacted me by phone only by mail, stating basically, it 's not there problem!! I have tried to get answers and no one will help me. I spoke to my attorney and she said to stop paying the payment and if that does n't get their attention then contact the Attorney General. I have paid {$8400.00} on the loan for XXXX. they say I owe {$9400.00}. I feel {$5000.00} is a fair number to pay them. They have ignored my calls for the last 6 months. They basically will not acknowledge that they did anything wrong. That it 's my problem that they did n't do their part to secure this car loan. I hope there is some way that you can help me. I have hard copies of documents if you need me to send them to you. I am unable to attach them by my computer. Thank you. XXXX Here are some of the names that were assigned to my account. XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX ... Thank you
The account that is in question ( Enhanced Recovery CO L for XXXX XXXX ) opened on XX/XX/2017 with a balance of {$520.00} was entered into collection. The debt collector did not have an accurate address on file. Therefore I did not receive proper notice. I have been willing to pay the account off in full but the debt collector refuses to report to the credit bureau to delete the item from my credit report. XXXX XXXX XXXX the original debtor failed to pay XXXX off after I switched to XXXX XXXX XXXX ( Promotional Claim ).
Send Company a validation of debt communication XX/XX/2019, certified. Did not receive validation of debt but did receive a communication XX/XX/2019 stating that 30 days was an insufficient amount time to properly investigate this dispute. Accordingly they would cease collection efforts, yet never delivered validation of debt continued to report to the 3 bureau 's and have yet to indicate consumers disputing of the debt. 
Numerous FDCPA violation
This company is in violation of FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices and reporting to credit bureaus. However, I paid them in desperation on XX/XX/2018 to get it removed off my credit report, because they informed me that if I paid it they would remove it off my credit report and they have not. I will also be contacting my state 's attorney general 's office in regards to this companys business practices as well. XXXX XXXX XXXX has VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt and not following through with our agreement to remove it. They have until the end of next week to remove the reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. I will purse litigation in this matter to enforce my rights under the FCRA. Please give this the immediate attention it deserves.
I have four accounts on each credit bureaus report that were credit cards That were charged off and sold to collection agencies. The credit card still shows a balance. The balance should be XXXX because they no longer have the debt. The collection agency does. I tried to rectify this with Experian, XXXX, and XXXX 
XXXX {$860.00} XXXX {$600.00} XXXX XXXX $ varies report to report {$430.00} The refuse to correct and state this is in compliance with FCRA. This is very upsetting. The collection agencies are not as bad as the credit reporting bureaus.
On XX/XX/XXXX, Midland Funding LLC, served me for a Judgment hearing on XX/XX/XXXX. They served the paperwork to my old address ( which a change of address was filed XX/XX/XXXX, and updated at the XXXX on XX/XX/XXXX ), not my current address. I also was not contacted before XX/XX/XXXX, when they served the notice for a Judgment hearing, and after receiving the notice, attempted several times to validate the debt with them on several occasions. 

On XX/XX/XXXX, I attended the Judgment hearing, which no ruling was issued. Midland Funding 's   representation stated several times during the hearing that they had contacted me via certified mail, but failed to provide any proof of receipt. No ruling was issued at the time the court entered recess. I had contacted Midland Funding several times afterward ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), with each time the associates I spoke to at Midland Funding either hanging up or placing me on hold for over an hour, after I asked about getting some kind of payment plan setup or asking if they could work out a settlement on the debt they stated I owed ( but refused to validate ). 

On XX/XX/XXXX, I got notified by my employer ( XXXX XXXX XXXX ), that they had received a garnishment notice. I contacted my HR department as soon as I was notified, and found out that Midland Funding had gotten a garnishment for {$XXXX}. I immediately attempted to contact Midland Funding. I spent 50 minutes on hold, during my lunch break, before being hung up on. I attempted to contact them back on XX/XX/XXXX, and after spending almost an hour on hold, was told that " We do not do any kind of payment option, we will just continue to sue you until you pay us what we say ''. 

I have made several attempts to communicate with Midland Funding to both validate the debt since and to try to work out an agreement. Midland Funding has provided me with some information in an attempt to validate the debt, however, has redacted any information that would allow me to correctly validate the debt. Midland Funding never validated the debt prior to getting a judgment and is now using the same information to garnish my wages for a debt that they will not validate.
My grandfather is the account holder on the mortgage and he is XXXX. I called the servicer to advise of his XXXX and to find out the procedure of what to do. 

I faxed a copy of the XXXX XXXX, mailed a copy of the XXXX XXXX and uploaded a copy of the XXXX XXXX to their website. 

I advised I was the person handling his affairs for my family to get options on what to do with the loan. 

Despite having the information that he is dead, and I am the one handling his affairs, they will not give me any options or speak with me about the account in violation of the law.
I keep being harassed by this company. They call my cell phone very late a night and they insult me and describe me as a " not a real man ''.
XXXX XXXX keeps calling after I asked them not too. they are collecting on XXXX debt that they will not send verification on. I have asked for verification by mail, they say all they can do is email.. I proceeded to ask them to quit calling and leaving recorded messages about i have two business days before legal action is taken. I have gotten nothing from them in the mail nor will they verify this debt.
XXXX 2015 I called green tree Mort.co now dietech and requested a month deferred. Was told oh yes just make a payment we will defer 3 mo. Called because I never received confirmation nor the modification papers I was promised. Oh there on the way I was told. 3 months later I get an act XXXX foreclosure I call to see and was treated rudly by XXXX. I told her story she said rep knew there was no such program I was offered. Made me pay almost all my income to keep my house. So now I 'm still struggling to get caught up. I got behind in taxes paying them. They took my tax return and will not work with me to get an lower payment or nothing. Belittle me when I call. The mental stress this is causing all they had to do a year ago was say no I would have paid what I could not get behind XXXX dollars which set me back almost half a year. Please help
XXXX XXXX  attempting to collect money not owed by me. this debt has been disputed with all three credit bureaus and was removed in XX/XX/XXXX when it was reported by a different collections agency. I was then reported again in XX/XX/XXXX again it was disputed and removed by a 2nd collection agency. Now reported in XX/XX/XXXX by a 3rd collection agency removed by XXXX and XXXX for a 3rd time but now XXXX somehow after removing it as invalid/fraud, they are stating it will remain on my XXXX, This is not my debt i have never had nor lived at the service address reported by Allied Interstate. how can this company keep reporting this invalid account to my credit file after it has been removed 2 times previously. 

First ReportedXX/XX/XXXX Original CreditorXXXX XXXX XXXX  Creditor Info Phone Number ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX, OH XXXX
I applied for a reverse mrtg with XXXX and was turned down for what I believe was a bogus reason. I then wrote them a letter asking for a better explanation, and never got an answer.
Tri-State Adjustment Inc. a collection agency located in Wisconsin is reporting a debt to the collection bureaus that is not mine. I have written them requesting them to validate this alleged debt to be mine and to remove this item that is being reported to both XXXX and XXXX credit reporting agencies. They only respond with continued threatening and harassment notices.
Ditech Mortgage My taxes are combined with my mortgage. 
Ditech Mortgage company is reporting a " lesser '' amount on my XXXX than what the assessor 's office has on file that was actually paid. I can not get anyone at Ditech to make the correct to my XXXX form so I can file my taxes. I 've made several calls and continue to be told there 's nothing that can be done. 
I also see several several Quick Claim deeds via XXXX County Assessors Portel. No one at Ditech will explain these either.
On XX/XX/XXXX I called the customer service line for XXXX/Wells Fargo XXXX XXXX . I noticed they had not processed my payment {$88.00} that I scheduled on XX/XX/XXXX that was due on XX/XX/XXXX that I scheduled for XX/XX/XXXX. My payment was for the full amount due. My balance was now {$110.00}. My payment was still in processing status on their side and not completed. This was my first billing cycle with them so I wanted to make sure everything was alright and was why I logged in the day after my payment was due to make sure everything processed okay. Their customer service agent named XXXX told me that eventually the late fee would be removed, but the interest charges would remain. I informed her that was illegal because I scheduled the payment on XX/XX/XXXX for the due date of XX/XX/XXXX on their web site and I paid on time. It was their processing time that was late. I was put on hold several times and after being put on hold multiple times she said no interest charges would be on my account, but as of now my account still has a balance of {$110.00} no time line was give to me of when my balance will be XXXX  out. I was given no confirmation number just that she would be checking on my account. No call back number no time frame. Just the word of an agent with the a credit card company that I no longer trust.
I have XXXX mortgages with PNC which I have always paid on time for 9 years. 
XXXX within the past three months my payments have been mis-applied tothe XXXX mortgage along with added " late fees '' from PNC. The most recentmisapplication of funds have taken me through XXXX separate Customer Service & collections representatives to correct. I still send in my payment due on time & it gets applied to the wrong month, again bringing up a " late fee. '' I am having troublewith the issues being resolved in a timely manner & I feel like there is no follow-thru in the company. Otherwise I would not be having to deal with the same mistake ontwo occasions within such a small time frame. I usually send in XXXX check withXXXX payment coupons along with BOTH account numbers on my check. Now Ihave had to resort to sending XXXX separate checks with accounts written on themalong with XXXX payment coupons. Hoping to have this resolved soon, definitelyready to take my mortgage elsewhere & happy to share with others the VERYpoor service I receive from PNC, I am very disappointed.
XXXX, XXXX, XXXX contacted my place of employment on XXXX, they then called my cell phone, there were no calls to me prior to that date. When I spoke to representative, I advised him to not contact me at work nor to call my cell phone. The individual proceeded to threaten with garnishing my wages, etc. was extremely aggressive and rude to both myself and my co-worker. When I spoke with his XXXX, he was also advised on XX/XX/2017 not to contact my place of employment or my cell phone, they were provided with an email address to utilize as a point of contact. However, they 've failed to do so and called today at approximately XXXX. Seeing that both calls were recorded, and they were advised pair the Fair Debt Collections act that when asked to cease communication via telephone, they are to comply..of which they are not ...
I went to Chase Bank on XXXX, CA XXXX on XX/XX/2017 to apply for a chase sapphire reserve credit card. I was approved and received the card about a week later. I had been using it regularly and when I tried to use the credit card again yesterday it was declined. I thought this was just a random one off issue and tried using it again the next day and got declined again. I called into customer service and was told that my account was closed, I went through fraud verification who told me they could n't tell me the reason and transferred me back to customer service who told me again I could n't be told anything and would have to wait to get something in the mail. Finally after speaking with a supervisor they advised that my credit card had been closed because they were unable to verify the fraud alert on the file. When I applied in person I gave all of my information and the underwriter on the phone asked the personal banker to speak with me and asked me questions to clear my fraud alert including my name, address, social, trade lines, date of birth, and other information. I had 1 missed call from Chase on Monday at XXXX my time and was at work and could n't answer, this apparently was them trying to clear the alert again. Now I am being told that my account can not be reopened at all because of this fraud alert. I put this on my credit to protect against identity theft. Nobody that I speak with is willing to help me and I was told that talking on the phone is not going to accomplish anything and there is nothing anybody can do. What kind of customer service is this on an issue that Chase messed up on? I already verified my information and even went IN PERSON to ensure I could provide all the necessary information.
On or about XX/XX/2018 XXXX XXXX ) and XX/XX/2018 XXXX XXXX ), I was locked out of my checking account and unable to make ATM deposit 's ( due to ongoing malicious and internal ( Bank ) retaliation ( previously filed CFPB complaints ) and discrimination ( based on race, age, disability, national origin and sex ). Recently ( XX/XX/2018 ), I visited a local branch for the purpose of changing my PIN NUMBER ( CHECKING ACCOUNT ). However, my PIN NUMBER was changed ( internally ) by the bank ( locking me out of my personal checking account and preventing me from using my ATM/DEBIT card for transactions. The bank was asked ( in writing via CFPB ) to change AND restore my PIN NUMBER ( XX/XX/2018 ) back to my chosen PIN NUMBER on XX/XX/2018. As of today, the bank have REFUSED to adhere to the applicable laws which govern them ( violation of my privacy ). The bank and XXXX 's ( bank employee in the Executive Office ) ongoing, tolerated and maliciously practiced DISCRIMINATION and RETALIATION/REPRISAL continues to be practiced ( in an effort to force me to CLOSE my checking account ). Any and all information provided to the CFPB is for the use of the CFPB and shouldn't be used by the bank or it's subsidiaries. ALL supporting documentation, will be faxed to the CFPB.THE END!
I managed a Trust Account through SunTrust Bank ; the Trust Account was established in XXXX XXXX. XX/XX/XXXX, the account was compromised when a check was intercepted and the original payee changed. I reported the fraud to the bank and XXXX XXXX XXXX, Personal Banker, was very helpful throughout the process. I requested that the old account be closed and a new account opened on XXXX XXXX, XXXX to avoid any future fraudulent activity. 
I submitted the same documents when I opened the original account to the Trust Department for review. Upon reviewing the document, they requested proof that the Will has been probated. I submitted the final document I received from the Orphans ' Court for XXXX XXXX County, Maryland. This document was also rejected -- now perplexed, I called the attorney whom probated the Will and was instructed to submit the original Letter of Administration from the State of Maryland and was further instructed to inform the bank that probate in the State of Maryland is not settled under seal, therefore, no court seal exits for the final accounting of the estate. I submitted same to the bank on XXXX XXXX, XXXX and got the manager of the branch involved in the matter. I received a called from XXXX XXXX this afternoon notifying me that the Trust Department rejected the information presented and that they are closing the new account and transferring the funds back to the original account where the fraudulent activity occurred. They refuse to speak with my attorney.
I borrowed auto loan through XXXX XXXX XXXX since XX/XX/2012. I have been using auto pay to pay my loan and assuming the auto pay will take care of the entire loan. I have never miss or late for any payments. Until I recently found out that my credit score has dropped 200 points and I have not received my car title. That was the first time I found out that I need to actually call XXXX to make that last payment. During these period, I did not received any remindering letter, email or phone calls as they promised on their website which I found out later. I immediately paid the remaining balance over the phone and wrote a letter to XX/XX/XXXX credit dispute to explain my situation and hope they can take off the negative impact on my credit score. Giving that I was not aware nor received any reminders regarding the last payment needed to be manually paid, XXXX insisted that they had sent out multiple letters, emails and phone calls which is not truth. I have been making multiple phone calls and letters to XX/XX/XXXX regarding my situation but they insisted it's not their fault or responsiblility to disput my credit score. 200+ credit score dropped is a big damage and please help me fix this.
Summary : The issue is we are trying to get an accurate accounting of our mortgage in order to payoff the XXXX loan on our resident. We are not getting the complete accounting. 
Detail : We have a XXXX loan that started in XX/XX/XXXX. Matured in XX/XX/XXXX. We started negotiating with the lender, XXXX XXXX XXXX XXXX ( XXXX ) to pay off. While this negotiation was going on, we were making our regular monthly payments. This went on for a couple of years. Then they decided to refinance it and gave us another loan. When they sent the new loan documents to us, we saw that the new loan amount was too high. Then we received from a law firm a small check for a class action pay off from XXXX wrong doings. We did not accept the refinancing offer that they offered us. We managed to collect the money from other sources to pay off this loan. We asked them to give us a complete accounting of this loan. They immediately transfer the servicing of this loan to another company named Ocwen. They stopped accepting our monthly payment. We have been trying to get an accurate accounting of this loan ever since. We still have not received a complete accounting of this loan. We have the funds ready and sitting in an account for the past 5 years. And still no resolution on this loan. The loan balance is suspected to be about {$180000.00}. They would like to payoff of {$210000.00}.
I originally purchased my home in XX/XX/XXXX for {$170000.00} ( new  construction home ), and financed with an FHA through WellsFargo. I  refinanced through the HARP program, also with WF. The woman came to my office in XX/XX/XXXX and stated I did not need an appraisal and just needed to rerun a credit report to finalize the refinance. I signed the papers in XX/XX/XXXX and my refinance was complete. Included in my packet was a form stating I had a right to a copy of my appraisal, but they claim one was now not done. My original appraisal of my home was $ XXXX. I have been paying PMI since XXXX, and have no missed/late payments. Now that my loan is around $ 140K I decided to call and see when I could remove PMI. WF has told me repeatedly the value of my home at time of refinance was {$130000.00}, which is ridiculously low, as my house is worth well over that amount and always has been being a new construction home where the values are all increasing. They have told me that was the value when I signed and agreed my home was worth per an appraisal done by the investor that supplied the loan. They now claim I have to pay another $ 34K+ toward my loan before I reach a 78 % LTV ratio to remove PMI, which would be years. They are also telling me I need to pay for another appraisal to the tune of {$550.00} to remove the PMI if they value my home higher, which I have no doubt it will. I believe WF put the low number on the value of my home to force me to continue paying PMI for years to come. They have been repeatedly asked to provide proof of how they came up with the value of my home and they can not provide it and will not. I have talked at least six times to people on the phone at WF and receive the same answer. My home on the tax website for my county interestingly lists the building value at {$130000.00} and the land value at approximately $ 30K, totally over {$160000.00} for the building and land combined. I believe WF just took the number listed for the building and inserted it on my paperwork and  never made me aware of what they are doing in an effort to trick me into a lower value on my home. I am attaching all documentation. I have been dealing with this since XX/XX/XXXX and believe this is part of their deceptive practices with regard to PMI and mortgage refinances.
It 's nice that consumers can view their credit report once a year for free. But it is not so nice that consumers are required by the credit reporting companies to join their credit monitoring service. Your credit score should not be held hostage.