WillisBack/dataset-financial-user-claim huggingface dataset:
Graduated in XXXX XXXX and moved out of state 2Months later. I opened a checking n savings account with Wells Fargo in my new state of residence in XXXX and since I deposit my check old school, always chit chatting with tellers n personal bankers here in Washington State. I got concerned that I was n't getting any notice/mail to start paying my personal student loan. I asked at least 4times on when my 1st payment was due. The personal banker here in federal way branch ( XXXX XXXX ) and in This is WA reassured me that no payment was showing in the system as due n reiterated that when the first payment was due, I 'd get a statement or something in the mail in advance. 
Reassured, I let the matter go only bringing it from time to time. You can imagine the horror when one Saturday in XXXX XXXX, I received a call on my cellphone informing me I was 2 months late!!! They 'd reported me as past due without any notification of first/any payments being due. I was flabbergasted to learn that they could n't have called my cellphone prior on missing first payment due to autodial laws or something. I asked about what about sending me delinquency notices in the mail? Long story short, they started that on XXXX/XXXX/XXXX they sent one notice informing me my payments were scheduled to start BUT that was to my former college apartment address. Apparently my current address in WA was too hard to find even though I have two accounts ( Checking & Savings ) that I get monthly statements from Wells Fargo for every single month! 
I was proactive and escalated my complaint all the way to the executive team where a team member promised resolution by erasing the reported delinquency as I was not properly notified. Needless to say, a couple weeks later while waiting for something in writing to correct that, another team member named XXXX called me back. Chest thumping started neither she nor anyone else was going to fix the mess. So here we are, I 've decided to NOT make a single payment n closed ALL my accounts withdrawing over {$7000.00} in balance that was enough to pay back over 70 % I owe till this mess is fixed. Enough is enough. Waiting for my say in court.
On XX/XX/XXXX I followed up on a letter that I had received from Big Picture Loans in the mail with an online application. My husband had been working minimal hours, and I was in a very tight place. I applied and received my contract - I thought I would be paying around {$150.00} a month for 6 months on a {$650.00} loan. Very steep, but I was in a desperate situation. They called it an installment loan, so I assumed that they are licensed In Maine, where I live. My plan was to pay the loan back within a two week time frame. 

When I logged into my account on XX/XX/XXXXto see what my payoff was, I found that not only did I owe the {$650.00}. but I also owed approximately {$190.00} in interest - for two weeks???? So I looked at my agreement and the payment plan was for {$150.00} biweekly for a 6 month term, which came out to be around {$1900.00}, for a {$650.00} loan! 

I started doing research, and found that Big Picture Loans is really just a payday lender in disguise. In Maine there are regulations on payday loans and the amount of interest that they can charge, and they are not licensed in Maine, on top of not adhering to the regulations on payday loans. 

I immediately revoked the ACH authorization with my bank, and I notified Big Picture Loans of this action, and also revoked the right for them to contact me by phone, so that I could have all further communication in writing. 

OnXX/XX/XXXX Big Picture Loans emailed me to let me know that they were attempting to collect my payments. I emailed them back on XX/XX/XXXX, explaining to them and providing a copy of my state laws and regulations, and let them know that I knew it was illegal for them to practice without a license in Maine. 

I received a " settlement letter '' offer from them on XX/XX/XXXX. This tells me that they know that they are in the wrong, if they are willing to settle on this debt. 

I figured up the info on my loan - {$650.00} loan at 30 % for six months as allowed by law in the State of Maine is {$110.00} per month for six months, for a total repayment of {$700.00}. I offered to mail them a money order for the {$110.00} on the XX/XX/XXXXof each month, starting on XX/XX/XXXX to pay the principle amount of the loan plus the interest at 30 %. 

I received a letter back from them stating that since they are a tribal lender, that they are not required to follow the laws set forth in the State of Maine for lending. I have attached all the emails back and forth to this information. 

I have no issues with paying back the initial loan amount plus interest, as one would expect on any loan, but this is predatory to say the least.
I contacted Shellpoint Mortgage Servicing to get a written statement of debt so I could pay it off. The debt was a result of a real estate short sale in XXXX. The HUD agreement was {$5000.00} to include an initial payment of {$2000.00} at closing from the bank and I would make XXXX payments of {$49.00}. 
Resurgent Mortgage sold their debt to Shellpoint Mortage Servicing in XXXX. At this time, it seems they failed to include important information regarding their agreement with me and the terms of the settlement. 
I contacted Shellpoint in XXXX of this year, XXXX. My intention was to pay off the debt. According to my calculations, I should only owe around {$1000.00}. 
I was told that I owed over {$17000.00}. I explained the situation, even sending them the original Settlement statement and 2 years of bank statements showing payment history. 
For the last 3 months I have been calling and attempting to get a settlement statement. I talk to someone different each time and they assure me that I will receive the amount in 5 days. The last call was made on XXXX XXXX, XXXX and the CS agent told me my balance was {$960.00}. 
Today is XXXX XXXX which is 9 business days from the last request. The " new '' person I talked to began with the same amount due of {$17000.00}. When he finally looked at the note from XXXX/XXXX/XXXX, he told me that nothing had been done around my request for a settlement statement. At that point, I asked to be transferred to a supervisor.
In the past 10 years I have requested wire transfers from XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX and the amount received by XXXX XXXX ( XXXX ) has always been the amount of the Transfer requested. I researched Bank of America 's Int'l Wire Transfer fees and determined the fee was {$45.00}. When I initiated the wire with BoA, I was advised that there " may be '' an Other Fee of {$25.00}, in addition to the {$45.00} fee. Based on my previous experience I felt this fee would not be charged, but {$25.00} was deducted from the amount transferred. I tried discussing this fee with BoA, but they could not tell me who received this fee or who actually requested it to be charged. In effect the fee is {$70.00} rather than {$45.00} as they advise on their web site.
Diversified Adjustment Services was sent an email directing them to cease all contact and collections due to a dispute that was sent regarding this account from the previous collection agency hired by XXXX. The cease contact request was sent on XX/XX/2017. Diversified has stopped calling me and has now begun sending me emails regarding this collection account. I called them again on Tuesday XX/XX/2017 to request that they do not call me or contact me anymore but they told me that they are a debt collection agency and can contact me any way possible. I have attempted to block the emails but they still continue to get through.
I am trying to freeze my credit with Experian. they say I have to mail all my personal information to them and won't do online. I have tried to call them but they just hang up on me. I want to freeze my credit as I feel my personal info has been compromised. XXXX and XXXX have both froze my credit and this company is doing nothing but giving me a hard time. I filed complaint prior with XXXX   and you guys got them to fix. Experian just mailed me a letter telling me nothing??? Can you jump on them and get them to lock my credit so nobody uses my info. Thanks.
I have disputed through the Company directly along with having the record deleted from my credit accounts for debt that is not under contract or has no valid contract to owe. So now I am here asking for help. They are negatively impacting my credit score which is affecting my business loans on a contract that is not binding or has not contract showing ownership.
On Friday XXXX XXXX at approximately XXXX XXXX I visited a bar in XXXX. The bar required a cover so I had to use my debit card to withdraw money sufficient to cover the bar cover. The bouncer was standing directly next to me and watched me enter my PIN. I entered the bar and opened a tab. 

A few hours later I attempted to close my tab and the bartender informed me I did not have a tab at that bar ( there were several bars in the restaurant ). I search the bar and give up around XXXX XXXX intending to return when they open the next day at XXXX XXXX on Saturday. I return home and sleep until the morning. 

The bar closes at XXXX XXXX. Around XXXX an XXXX XXXX male ( matching the description of the bouncer is seen withdrawing cash with my ATM Card. I later reported the incident to the XXXX who were able to pull this video to verify my story. The same person then drives out to the suburbs of XXXX and in the preceding hours spends over XXXX at XXXX, ATM 's and XXXX. 

I notice my account has been drained around XXXX XXXX when I am heading to the bar to try to recollect my card. Chase Bank froze my account and informed me I would need to go to a branch to report the card stolen on Monday morning. At no point did Chase call me or attempt to verify the transactions. 

Upon reporting the card stolen the charges were temporarily reversed. However, later they determined the charges were permitted due to : 1. A clerical error in the first person submitting the charges and only submitting one instead of all of the charges, 2. The physical card being used with the PIN and 3. The charges taking place within 100 miles of my place of residence.
I took out a {$500.00} loan with this company and my monthly payment were {$230.00}. I have made 5 payments to them for this amount which means I have paid the loan off twice and they are still trying to collect funds from me. I can not find in any of my personal records what the terms of this loan are. I assumed I would pay {$230.00} until it was paid off, but they continue to collect money. I dont know what the interest rate is or anything. I am filing this complaint because I was never provided with a copy of the terms and conditions for this loan. I would not have accepted it if it meant I would need to pay it back over and over again.
Around XX/XX/XXXX or XX/XX/2016, I had received a bogus billing from XXXX # XXXX regarding a {$230.00} bill with XXXX. I immediately called XXXX @ XXXX, explained that I had never had an account with XXXX XXXX and received their statement that their records would be corrected and the matter would be resolved. Shortly thereafter, I received a bill from my XXXX Credit Card and I noted that my XXXX d fallen about XXXX points to the XXXX range, so I ordered my free credit reports from the XXXX credit bureaus to investigate the situation. I received the credit reports and noted the bogus report from XXXX on XXXX reports, XXXX & TransUnion, so I filed disputes with both companies XXXX had the item deleted, but TransUnion just added a note that " acct was disputed by Consumer '' with a removal date of XXXX. On XX/XX/2016 I filed a second dispute with TransUnion and n XX/XX/2016 I sent a formal complaint to XXXX, with no reply to date. My XXXX score remains at XXXX, due to this bogus reporting by XXXX. Your assisting in deleting this bogus report from my TransUnion account would be greatly appreciated! Sincerely XXXX XXXX
I filed a Chapter XXXX Bankruptcy on XXXX XXXX, 2005, in XXXX Tennessee, XXXX XXXX, case no. XXXX. At the time, XXXX XXXX XXXX was the mortgage company for my house, and this loan was sold to XXXX XXXX XXXX. I have paid the note in a timely manner since the filing of the bankruptcy over ten years ago. The current mortgage company, Green Tree Servicing , LLC, as servicer for XXXX, will not report my timely payments to the credit bureaus, which is prohibiting me from being able to get credit for my faithful payment of this loan.
XXXX is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.
Wells Fargo currently has an auction date assign to my home. My wife and I are currently in a Chapter XXXX bankruptcy. Wells Fargo refuses to respond or work with my attorney and wants to proceed with the auction date. On XX/XX/2018 I contacted Wells Fargo about doing a home modification and they informed me that I was eligible for home modification. They asked us to send in our last two pay stub, last year 's tax returns, and Wells Fargo 's assistant application downloaded from their website. On XX/XX/2018 my wife called Wells Fargo to ensure they received our paperwork. She was informed that they did receive our paperwork and just needed our XXXXs. My wife fax those over same day. I called Wells Fargo on XX/XX/2018 and I find out that they have canceled our home modification because all the paperwork is blurry and could not be read. I explained that they did inform my wife that they had received the paperwork on XX/XX/XXXX. They told me that they had received the paperwork but that person did not look at it. We have sent that paperwork five times and each time they say they can not read it. They have no email address for this process. The way I am faxing these documents is through XXXX fax so there is no fax machine involved. I have attached the same documents that I had sent him to this complaint and you can see the documents are very clear. I believe Wells Fargo is playing these tactics to keep my house with a auction date so they can proceed to sell my house. I am not upside down in the value of my home and can sell for a profit. I proceeded with a Chapter XXXX so that my wife and I could stay in the house. However Wells Fargo has done everything in their power to not make that possible. Please obtain the conversations that have been recorded and you will see the malicious behavior on their behalf.
My problem is simple. I 've started out with a XXXX balance and after paying my monthly payment on time for about 3-4 years my balance have n't budged.
XXXX had a scheduled maintenance window from XXXX to XXXX EST. It is now XXXX and their site is not even up. Support requests have gone unanswered, and no notifications or updates have been made on any public channel ( e.g. XXXX ). 

They hold significant amounts of US currency in my account which I no longer have access to.
There are inquiries on my credit that I did not authorize I am a victim of identity theft and need these removed this has been so much trouble and problems for me
Debt was paid to portfolio recovery solutions and they agreed to remove negative trade lines on the grounds i was never informed of the debt via my ex wife who was receiving notifications to the home i was court ordered to provide.
XX/XX/XXXX TO : Whom it May Concern FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX XXXX XXXX, MI XXXX RE : Fraudulent Misconduct by Collections Company SHERMETA LAW GROUP PLLC Case # XXXX, XXXX County File # XXXX Plaintiff : XXXX XXXX, Case # XXXX P.O. BOX XXXX XXXX, MI XXXX ( XXXX ) In Reference to previous CFPB complaint 's # s XXXX & XXXX The Fraud and Misconduct continues by SHERMETA LAW Group PLLC! This is with regards to information obtained from the Plaintiff, XXXX XXXX. See included letter from XXXX XXXX stating that on XX/XX/XXXX XXXX XXXX was issuing a Cease and Desist and stopping all collection efforts and closing the account with SHERMETA LAW Group PLLC which SHOULD have filled a Garnishment Release shortly after! The Garnishment Release was only filled almost 5 months later AFTER I first filled a complaint on XX/XX/XXXX! Since then SHERMETA LAW Group PLLC has, according to the Michigan Department of Treasury collected a state tax refund of {$520.00}. 
My complaint is that if SHERMETA LAW Group PLLC had filled the Garnishment Release in a timely manner neither the complaint on XX/XX/XXXX not this one would not have had to be filled! I tried reaching out to SHERMETA LAW Group PLLC by telephone and was only questioned regarding resoling this account! 
The resolution I would like ( Expect ) to see is the return of the full amount ( {$520.00} ) of the Michigan Income tax refund Garnished to myself, since the Garnishment should have been released months earlier AND that SHERMETA LAW Group PLLC be warned about the Misconduct in their business model and Law Firm handling of issues in a Timely manner.
I have sent XXXX XXXX XXXX. multiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amount. The only thing XXXX XXXX has sent me in the past twelve months is an itemized document without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have never done business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money. 
XXXX XXXX has not complied with FCRA 623 ( a ) ( 3 ), or section 603 ( p ), and has not complied with the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.
An organization by the name of XXXX XXXX out of XXXX, XXXX  misrepresented a colored diamond investment to me and as a result I have an invalid charge on a Major Credit Card with the following institution ; Citi. A Record of the charge is listed below and receipt for the charge is attached. Also attached is an entire history of this fraudulent transaction as well as a local police report, request for documentation by XXXX  Police, a Press Release testifying to the arrests of 5 individuals from XXXX XXXX and an FBI referral by the XXXX Police.

Despite this documentation this institution has refused to honor the Fraud Claim, a letter from the institution is attached.
XX/XX/XXXX single family home with one deed and two parcels. sold vacant parcel to private entity through Ditech 's " partial release of lien '' department. Sale closed. 


XX/XX/XXXX ditech escrow dept pays tax payment for vacant parcel XX/XX/XXXX Ditech pays additional {$330.00} on vacant parcel, ( one year in arrear ) XX/XX/XXXX Ditech pays XXXX County {$4600.00} for neighbor 's ( no longer vacant lot ) house and property. Mortgagee advises lender of error in XX/XX/XXXX. 

XX/XX/XXXX Mortgagee receives XX/XX/XXXX escrow analysis with repeated error, showing ditech intends to make two payments to county for each parcel, and advises lender escrow analysis is wrong. She is told they are re-running the analysis.

XX/XX/XXXX Mortgagee receives bill for roughly {$6000.00} for escrow shortage and calls lender. Asks for supervisor. tells the details of which parcel is owned jointly by ditech mortgagee and which parcel was sold. Is told they will investigate. 
XX/XX/XXXX Mortgagee receives check for {$4.00} from ditech with no explanation. Mortgagee is told escrow is correct and she owes {$9200.00} ( escrow for one year is roughly {$4500.00} : current tax bill is {$1700.00} for half the year and {$810.00} of hazard insurance ) The explanation is {$480.00} is scheduled to change.. 
{$1900.00} 12 months = {$770.00} Monthly Escrow. 

XX/XX/XXXX mortgagee calls lender to advise of resolution or legal action after she recieves foreclosure " pre '' letter. She is told by advisor that the county has told Ditech that the refunded to money to the homeowner, but I received no check. 

XX/XX/XXXX mortgagee calls County to find out to whom check was issued. County insists no refund has been given nor has been requested. Mortgagee calls Ditech to give them direct line to county assessors,  name of employee and email address to expedite refund request. Mortgagee asks for phone number and address of legal dept for corporate office. Is given a fax number. when she calls back to get correct phone, is told they dont have a phone number. 
XX/XX/XXXX mortgagee requests cancellation of escrow account, by email, and receives two emails from escrow agent XXXX XXXX that he needs the correct loan number. He is given two emails with a pasted loan account from ditech 's website. 
XX/XX/XXXX Mortgagee calls lender to request to speak to escrow. is told they dont have a phone number. Is told by supervisor Luwanee that ditech has requested a refund for the last two payments made on the parcel that was sold. I believe that they have made another error, because the tax bill is paid for one year in arrear, and they owed a payment through XX/XX/XXXX.
Covergent has a collections account on my credit file that was just refreshed in XXXX XXXX how when I never talked to you guys. The original date of the debt first delinquency was in XXXX so way is it show up with the date you guys purchased the line? Make no sense and it need to be removed from my credit all bureaus
Company responded to previous complaint. Stating that they are not reporting on my credit report due to me not being in their system. Proving they can not validate the debt. I have attached proof of their reporting and the previous complaint.
In XXXX, I decided to close my secured credit card which is authorized by XXXX XXXX XXXX  and had {$300.00} deposit in that card. I called the cardmember service hotline and was told if I need to close my card, I need to write a former letter including my name, reason, current address and signature, then they can close my card and mail the deposit check back. I wrote the letter as they told me and sent to cardmember service. But after one month, I found my card was closed but I still hadnt received the check, so I called card service hotline on XXXX XXXX, and the representative told me that per her system record they did n't receive my mail, but they still closed my card. During the phone call I found my address in their system still was the old address which not be updated to my current address. So the reprehensive helped me changed the address and told me will mail the check ASAP. But after one week, I received the letter from XXXX XXXX XXXX that they mailed the check to my old address and the check was cashed out by my ex-husband. I was so shock that per their request I mailed the card-close requirement letter and provide my current address how could they mailed the check to a wrong address. I called cardmember service hotline the third time, and the representative was very rude and told me that their company has no duty to check and make sure if the customer changed the address, and they mailed check to the address in system, so they do n't care what happened next. My question is, I followed the rule they told me, provided the letter and my current address they requested, why they still mailed to a wrong address and even let some strange cashed the check out? What the meaning of the card-close letter they requested?
My credit report is showing the name XXXX XXXX XXXX and that is either my brother or my father, as my father is a XXXX and my brother is a XXXX so their names should not be reflected on my account.
Merchants credit association continues to report a collection account that is not complaint with the CRA reporting requirements XXXX XXXX 2017.