WillisBack/dataset-financial-user-claim huggingface dataset:
Starting on XX/XX/XXXX Wells Fargo 's Collection Department started calling my house multiple times per hour. When I answered the phone it was either a computer telling me to hold, or an operator asking for my name and then they hung up. On the night of the XX/XX/XXXX I answered the call and asked why they were calling over and over again, and the operator said - Well " you seem upset XXXX XXXX, this is not a good time to talk. '' And hung up. We contacted Wells Fargo, they hold our mortgage and our equity line. Mortage dept confirmed our XX/XX/XXXX payment was received. We send both payments electronically from our XXXX acct. On the Morning of the XX/XX/XXXX the phone starts ringing again from Wells Fargo. When I talk to them they tell me that my Equity line is 3 days late. I tell them I paid it electronically already and the mortgage dept received it 's payment. After a lengthy phone call the Wells Fargo operator admits they are having an issue with XXXX electronic payments. But they recommend I make a second payment before they report me to collections. The payment was sent on the XX/XX/XXXX. The payment was due on the XX/XX/XXXX, and collections started calling on the XX/XX/XXXX. On XX/XX/XXXX I received a notice from XXXX that my Equity payment was being returned. I went to XXXX and received a copy of a memo from Wells to XXXX stating they had closed several lock boxes that XXXX mailed the payments to and the payments were lost. I then went to Wells Fargo to pay my equity line for a second time. On XX/XX/XXXX when Wells Fargo started calling me for a payment that was 2 days late they were aware of the issue with the XXXX Payments. Between XX/XX/XXXX and XX/XX/XXXX - Wells Fargo called my house 19x because of a 2 day late payment they rejected. They hung up on my wife and I on 4 different phone calls. I filed a complaint with the Executive office of Wells Fargo. After a week of reviewing my case they admitted the operator who spoke to me was impolite and they were going to discuss with her how to better handle customers. They lied to me as to the reason the payments were rejected. They lied about when the lock boxes were closed. And they said the problem was because of XXXX. I have a Wells Fargo memo that states the opposite. Wells Fargo 's only offer of compensation is that they are not reporting my XX/XX/XXXX payment late, and not charging me a late fee -- -FOR A PAYMENT THEY REJECTED. I believe calling 19x in less than 24 to collect a debt that is 2 days late, and is late because you cancelled the payment to be harassment. It took me at least 5 hours to deal with both banks to get to the bottom of this situation. Telling me that their collection department is being reviewed and offering me nothing is unacceptable.
I, XXXX XXXX am submitting another complaint as a result of this company 's non-response to my original complaint. They claimed that they were not authorized to communicate with my son who assisted me in submitting the complaint, even though I provided authorization in my original complaint and submitted the complaint directly. I have also provided another authorization via Midland 's web site per their instruction so there should be no need for another non-response. As indicated in my dispute of their non-response to my original complaint, I feel this is just another unfair collection tactic. I also requested that Midland immediately cease any further communication regarding debts allegedly owed by me in my original CFPB complaint submitted in XXXX of this year, however I continue to receive threatening letters in spite of my request to cease all communication. This is harassment and a violation of the FDCPA. I am a senior citizen and in poor health and this is taking its toll on me. It 's unfortunate that Midland can get away with completely ignoring my complaint and requests. This debt collector is clearly predatory and takes advantage of unknowing victims. I am asking one last time for a dignified response and for Midland to take action to close and disassociate any accounts tied to my name or social security number.
wrote check to XXXX XXXX XXXX XXXX dated XXXX XXXX, check was cashed on the XXXX from my account at Bank of America, my payroll was deposited on the XXXX. I was charged a overdraft fee of {$35.00}, even though I do not have overdraft protection.
The credit report shows I have Maximum Delinquency of 30 days in XX/XX/2012 on my XXXX XXXX XXXX Credit Card. However, the lateness is due to the company 's error of NOT sending any statement to me. I called the credit card company after I found this problem back in 2012 and they admitted their problem and they refunded the late fee and said they would NOT report to credit bureau. However, they still reported it and it affected my credit score.
I did a money gram transfer for {$500.00} from money gram .When the receiver went to pick the money ; they mentioned the money is not available.I called them and I gave the reference number and asked what is the purpose they hold the money.One the agent saying that she will transfer me to another department.They put me on hold for more than an hour. They never pick up the line.I want to get the money back.
I inquired on buying a truck from XXXX XXXX XXXX in XXXX, AL. I asked the finance guy not to send my information everywhere. He said that he wouldn't. My credit report shows he sent my information to four different places on XX/XX/2018 and five different places on XX/XX/ 2018. I have exhausted almost every avenue to fix this issue. PLEASE HELP!!! -XXXX XXXX
This case is against Persolve in XXXX CA. They have had A LOT of law suits, reprimands, ordered to pay restitution, etc. 
I had a XXXX XXXX card and bought a ring for {$1800.00} back in approximately XX/XX/XXXX-XX/XX/XXXX. The ring broke-stone fell out, we returned it but XXXX never closed the account. They then sold it to a debt collector. by XX/XX/XXXX, they had racked up {$5500.00}. XXXX charged off the account in XX/XX/XXXX and it was closed. 

Somehow this unscrupulous company, XXXX XXXX, Persolve LLC got the debt, they took it to court. They said they served me, they DID NOT. I would have gone to court and defended myself. They ended up going and getting a judgement for {$8000.00}! with {$1.00} a day interest!! They started a wage garnishment WITH NO NOTICE to my federal salary. My spouse is full unemployable XXXX veteran. 
This predatory debt collection should not be allowed. This company had done this over and over and over and they continue to stay in business? XXXX them, all the class action suits, judgments against them, failure to provide written notification, adding exorbitant fees and penalties, etc.. SEE attached court order and see the credit report which shows that this was closed in XX/XX/XXXXand charged off and was NO where near this amount owed!
We emailed to Dovenmuehle Mortgage Servicing an application for mortgage assistance to complete a short sale onXX/XX/XXXX. The emailed included paystubs for 30 days, bank statement for 3 months, hardship letter, XX/XX/XXXX tax returns, purchase agreement, listing agreement and estimated HUD 1. I called to make sure the documents were received and I was told I had to wait 5 days for review. I called again 5 days later and I was given a list of more documents to submit and I was also told the Borrower needed to explain deposits on Bank statements, at this point I was told the short sale workout would not be opened until all the documents were returned. I submitted more documents on XX/XX/XXXX and XX/XX/XXXX. I submitted 2nd year tax returns, more bank statements, more paystubs then 3 days later I receive  another call telling me I need other explanation letters, lease agreements from non-occupying borrower, more bank statements from a savings accounts and more paystubs and still the bank has refused to open a short sale workout and postpone the foreclosure sale date even when they continue to review and ask for additional documentation not included in the original application instructions. Every time we return documents then they ask for more update documents, its a never-ending process. I need your help!
XXXX XXXX is reporting inaccurate information on my credit report. I agreed to pay a settlement amount on a past due balance for deletion or positive reporting. However, it has been 4 months since I have paid off the account, and it is being reported negatively on my credit reports. The status shows delinquent and is reporting as " failed to pay '' during the months I actively paid off the balance. I paid XXXX weekly from XX/XX/2018 to XX/XX/2018 to collection agency XXXX XXXX on behalf of XXXX XXXX.
On XXXX XXXX, 2017 I made a deposit of {$1200.00} with a check from the XXXX XXXX XXXX to my Bank of America checking account. But the funds would not be available until XXXX XXXX, 2017, this withholding of my money by " rules '' the Bank of America, this is generating damages and losses, First I was NOT informed that a deposit with a check from another bank would take 10 days to be available, and Second I will not pay my obligations on time, I will have to pay an extra charge of 10 % for late payment to the apartment complex. However XXXX XXXX XXXX already paid the amount of the check to the Bank of America dated XX/XX/2017. 
Who will pay for this damage caused by the Bank of America? 
Please stop this type of abuse that the bank of America does with the clients every day, this practice of retaining your money for a long time generates profits for the bank and damages for the clients, total abuse of the rights of the consumer. 
Thanks for your attention. 
Sincerely, XXXX XXXX
In XXXX, BOA deducted more from my mortgage payment and stated that I was late with my lease payments. I called BOA at that time and was informed that XXXX XXXX XXXX notified them that I was late. I contacted XXXX XXXX XXXX and they said that they did not notify BOA. Later, the problem was solved in my favor and I continued to pay my lease payments from my own checking account. BOA lied and this is harassment, this is defamatory. This year the same thing happened. I was given the round when I called BOA and again they lied and said that XXXX XXXX XXXX notified them that I was late with my lease payments. I got a letter, signed today from XXXX XXXX XXXX saying that they did not do this. And, that I was not late with my lease payments. It was agreed that I will make my lease payments by checks as of this date. On XXXX XXXX, BOA made my lease payment to XXXX XXXX XXXX without my approval. I later sent BOA this payment amount, but was told on XXXX XXXX, XXXX that this lease payment of {$760.00} was applied to my principal, but will be changed to my lease payment. I was given the run-around again, and again. BOA said that they will be making my lease payments without my approval. Again, on XXXX XXXX, XXXX I called Customer Service in the afternoon because my mortgage payment did not clear my bank. I was told to hold off, past 5 days and if they receive my check they will correct the problem. Sorry, BOA lied before and I do not have faith with them. No, I do not trust them to make my lease payments. I was reading that BOA is famous about this kind of stuff, they give people a hard time, give them the run-around. They know what they are doing is wrong, but they are going to do it anyway. I have made my lease payments on time and I would like to continue to do so. It is wrong for BOA to do this to me! Lie, Lie, Lie!
On many occasions I have received calls from CRG ( XXXX ) threatening to garnish my wages for a debt. They have numberous voice messages on my cell phone and even left messages or has spoken with my family members and threatened them as well. The most recent voice messages was left on my work voice mail. I returned to call the and spoke with XXXX and she stated that she was working as a mediator for this company and she was trying to help me get this matter resolved before she processes paperwork for garnishment and someone would be delivering warrants to my address. I have check all three credit reporting agencies and I do not have any outstanding debt owed to any company. I have checked with several of the local court systems and they do not have any opened citations related to my name. How do I get these messages ( threats ) to stop?
On XXXX/XXXX/15 I transferred {$100.00} into my checking account anticipating a transaction for life insurance on an average day the transfer from my savings account to my checking is normally immediate but Wells Fargo charged me an over draft fee because I have a pending bill pay I want to know how can you charge an overdraft fee on something that is pending I think Wells Fargo is always trying to stick it to the little man
The car that was allegedly leased was repossessed with the original creditor and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The original creditor decided to keep the car as compensation and therefore I no longer owe the original creditor for the lease of this vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed. 
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement between the original creditor and AC Auto Pay. With the original creditor giving all rights to this debt including the right to receive  payment and charge interest to AC Auto Pay. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state. 
Do they have a debt collection license from my state? provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
If the leased vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale.
I filed an insurance claim and received a check for the repairs for over {$25000.00}. the check was issued to myself and my wife and my mortgage company Dovenmeuhle and my adjuster. My wife and I endorsed the {$25000.00} check and sent to Dovenmuehle. they returned the check and said all parties had to endorse. So I had my adjuster endorse and we sent to them. Dovenmuehle received the check and placed in an escrow and has not released any money at all. They sent us a letter we needed to file a certain documents including a proposal for repairs. We filed one and they did not accept cause the total amount of repairs was less than the amount of the loss. So we filed a second on for {$38000.00} and have waited for them to release part of the funds and they have not issued any money. Dovenmuehle have sent like XXXX letters telling me about the insurance loss and they I need to bring this matter to a close. How can I close this issue if Dovenmuehle is holding the money!! They send me from the loss draft department to the loss mitgagtion department and neither department has resolved our issue. I know our account is past due but we are unable to make the full payment. we had a business and has to close it down due to government intervention. so we lost all the revenue we had. 
My wife and I had filed loss mitigation request to adjust our payment. Well the loss mitigation forms were filed last year. we sent them tax returns, bank statements and all items required. They tell me that the committee has to resolve the issue but they cant tell me when the committee meets and when the date the item will be resolved. 
We have XXXX isssues - the loss on my home and the loss mitigation request. They have comingled both issue and have not issued any money to me. I have waited 5 months and nothing has been done. I have offered for them to take part of the proceeds and pay the past due amount but they refuse to do that. So basically they are telling me I cant get my money until the loan is paid off. My attorney sent Dovenmuehle a letter that we wanted to file a law suit to have the money sent to a court and the court resolve the distribution of money. However I do n't have money to file the law suit. Dovenmuelhe has not responded to any of my requests. They have not sent me any money at all. They are holding my money in escrow and cant pay the past due amount. That money is mine and I can do what I want with it.
XXXX XXXX XXXX - borrower/client. 
Original loan secured and closed in XXXX XXXX. XXXX XXXX financial crisis hit and applied for a modification in XXXX time frame. Took XXXX years since the lender was XXXX XXXX XXXX XXXX XXXX XXXX They were enmeshed in the meltdown and their own bankruptcy. After XXXX years mortgage was sold to Nationstar - XXXX more months of paperwork modification was approved. They simply tacked on the interest accrual of the payments not paid for the previous XXXX years due to their DEMAND no mortgage payments to be made during their XXXX years of time needed to make a decision - repeatedly asking for the same paperwork over and over and then losing it. '' Nationstar adjusted the rate to XXXX XXXX from XXXX XXXX - on a XXXX XXXX. All that did was recast the balance and the payments remained the same as they ADDED over XXXX of principal. I made the payments faithfully regardless of the fact that was ridiculous. 

I have never been late. In this past year XXXX what I did not realize is they were negatively amortizing the 'new adjusted interest increase ' they hit me with XXXX no notification of this ) - in XXXX and have been compounding and adding to the loan principal balance. In XXXX years I have paid faithfully and have NEVER been able to reduce the principal loan balance - in fact, it is HIGHER than I started out with in XXXX. 

I am not late now, but, I applied for them to modify this loan to meet reasonable terms and to comprehend this never ending cycle. The proven value of this property is only XXXX XXXX with a recent appraisal done and market has declined further, yet, I have been faithful in payments. 

After supplying them all my information - good credit - and income that can fully sustain the mortgage - they declined the request for no reason and gave me no basis of this. 

The XXXX XXXX term was up in XXXX - and the adjustment for that XXXX should have gone DOWN - not up. I am and was simply asking for reality in continuing to make reasonable payments while I wait for the market to improve and recover the value - that is STILL not there. 

XXXX XXXX put this in place. Nationstar has serviced the loan now for many years. They have not complied with legal requirements to adjust and or to discuss and give opportunity to remedy the loan and terms. XXXX was a major XXXX XXXX in the market during the meltdown and filed bankruptcy, relieving themselves of any and all debt - that they placed on consumers. 

I would and request this to be investigated. My phone number is XXXX or XXXX. My email is XXXXXXXXXXXX thank you
On XXXX/XXXX/2015 I requested Debt Validation per Alliedinterstate email communication per website. On XXXX XXXX 2015 I received correspondence from XXXX XXXX attorney for Alliedinterstate. On XXXX XXXX per email from XXXX XXXX, " The account was placed with us on XXXX XXXX, 2015. We made our XXXX collection attempt on XXXX XXXX, 2015 at XXXX XXXX. We made XXXX ( XXXX ) additional calls on XXXX XXXX, 2015 and made XXXX ( XXXX ) final call on XXXX XXXX, 2015 at XXXX XXXX. We ceased the account and returned the account to the creditor. 

On XXXX/XXXX/2015 I sent notice to XXXX XXXX that I had obtained legal counsel XXXX XXXX. On XXXX/XXXX/2015 after receiving such notice XXXX XXXX continued to respond to email correspondence between I and him.
This stems from an alleged amount still owed to XXXX XXXX XXXX, that went into collections. XXXX XXXX XXXX had been contacted numerous times with regards to this problem of a balance that is NOT owed. XXXX XXXX XXXX repeatedly transferred me from one department to another. One would tell me it was paid, and another would tell me they had no record of it but that it must owed because it went collections. XXXX XXXX XXXX would provide not me with documentation justifying the amount allegedly owed. For the last 4+ years I have been trying to get this resolved to no avail. when I changed telephone service providers XXXX XXXX XXXX would not release the phone numbers unless the balance was paid, so needless to say any outstanding balance was paid.
I have reach out to handle the incorrect inquiries on my credit report with Transunion. The company had a credit inquiry reporting situation which has affect my report. The report does n't meet the requirements of the Fair Credit Reporting Act section 611.
I had a Citi Gold checking account. I cancelled the account. I have credit cards with Citi. Citi will not allow me to link all my credit cards on one page. I called and they stated my bank account is still linked to my credit card accounts despite me calling and Citi saying that my account had just been unlinked. I have spent over an hour and a half just trying to get Citi to link all my credit cards. In the past a representative has stated that he would fix this for me while I was not over the phone but the problem never got fixed. I need Citi to not treat their clients so horribly. I feel the only way I will be taken seriously is by making this complaint or going to small claims court. The calls were on XXXX XXXX, 2016 and XXXX XXXX, 2016.
Hello. I leased new XXXX XXXX from local dealer XXXX XXXX in XXXX, XXXX . I asked them to mail my bills to my XXXX address, instead they made a mistake and were mailing my invoices to XXXX  address. Due to not getting reminders I was 30 days late once, so they filed 30 days late payment on to my credit report. I had tried to call BMW and tried to dispute this info with credit bureau and BMW still refusing to take it off. I also got a letter from local BMW dealer, who sold me this car stating that they put wrong mailing address in their system, but even with that letter, BMW credit department refused to delete late payment of off my credit.