WillisBack/dataset-financial-user-claim huggingface dataset:
I get paid every Friday, into my Wells Fargo account. I pay my bills by bill pay on Fridays, but for some reason, Wells Fargo does not send my bills out in a timely fashion ( there 's no telling when they will send the payment ), and as a result I have ended up with three overdraft fees which the bank has refused to refund.
I 've repeatedly asked them not to contact this phone number, but yet I continue to receive calls. A supervisor argued that he does n't have to stop calling
This was a private loan that was attained for school. The loan was initially a private student loan with XXXX XXXX. The loan was all of a sudden sold off to Navient. The amount of the loan was never confirmed. After the loan was transferred, Navient requested a full payment of a loan in the amount of over {$15000.00}. After speaking with customer service representatives on several occasions, it was determined that a payment amount of about {$600.00} would be needed, even though I was not working at the time.
Today XXXX2018 I called Finkelstein, Kern, Steinberg and Cunningham to speak with them about setting up payment arrangements for a CC debt that has been turned over to their company. I advised the representative that my paycheck was already being garnished, without myself having prior knowledge that it was going to be put into place, and I was told 2 things 1 ) they do not set up payment arrangements once a garnishment has been issued 2 ) they do not send out informing someone when they do a garnishment. 
Legally are they not required to inform me prior to a garnishment being issued? 
She also said, it was past the statue of limitations for my state which is TN but since they were granted a judgement in XXXX in was null and void. 
This is a violation of the Fair Debt Collections Act this debt is over 6 yrs old and they never filed a complaint against me or took my to court about it so they can not collect or garnish my wages. The representative did not agree with me and told me I had to contact the court house to handle it from here. 
I have called this company several times since XXXX and never for a return phone call from anyone which is very unprofessional and the lady I spoke with today was very rude and had a bad attitude which I did not appreciate
XXXX XXXX XXXX is reporting a 30-day delinquency on my credit report that is not correct. I have always paid account as agreed and never late. The account is currently in debt management which has been paid as agreed. Although the account is closed and in their approved debt management program, they continue to charge late fees and monthly annual fees. This is not correct and they are not honoring the terms of the debt management plan as agreed. They issued some credits for fees, but have not corrected the erroneous credit report with Experian. I have a separate claims for XXXX and XXXX XXXX to do the same.
I have been trying to get a loan Modification for over 2 years. I have been disapproved on my short sale also and I am XXXX military.
I am filing this complaint because credit bureaus did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : UTAH XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX   XXXX ( Original Creditor : UTAH XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX,
Experian is reporting a collection item that I do not owe the original creditor for. They will only mark it as " disputed '' when it should be deleted.
I was contacted over a year ago about this particular debt! I contacted debt collector at that time to get info on what debt was. The company only new the company they collected for so I contacted them about the debt. This company that I contacted did n't know anything about it, and they did n't even have my name on file! They told me to file fraud report with police and I did with   XXXX   XXXX   sheriff 's office. I had n't heard anymore until  X/X/ 17   when I received another letter from another collection agency wanting to collect for the same co. I again called the company who supposedly wanted money and again they showed no record of me and of coarse no money owed from me. This is showing up on my credit report and it is false, I am listed with collection agency for no reason.
I have been working trying to keep my home for the last 6 to 8 yrs. It all started when my husband became ill, I had XXXX children in college. I went into bankruptcy and came out and asked for a modification, they took about {$10000.00} and the bank Wells Fargo decided I did not fit into their program because I made about {$85000.00} a year which was too much money. I had lawyers I have made payments every month and they took my money even through I was told after I made a company do research they stated my deeds, XXXX Mortgage had not turned over the paper work correctly to Wells Fargo and they have no deeds to the property. The lawyers did nothing and in fact one of the lawyers went to jail for Fraud Wells Fargo had hired to do their mortgages for XXXX XXXX. I been to court several times, the judge throws the case out asking the mortgage company to negotiate and they never do. Here I am again 2015 with the same issue with Wells Fargo stating I need to sell the home because I make too much money to fit in their program. I need help, I do not believe Obama put these rules into place for the middle class to suffer. All I want is they need to put the arrears in the back, bring the house value down to what it is worth and restart my payment.. The only reason it has been in arrears the last few years they refused to accept my payments.
To Citibank, N.A Thank you for replying ( via CFBP dated XX/XX/2018 ) regarding my query regarding my two student loan accounts ( abovementioned ). This letter serves to provide clarification to your responses on XX/XX/2018, XX/XX/2018, as well as the latest letter dated XX/XX/2018. Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 
Your correspondence on XX/XX/2018 and XX/XX/2018 did not include a copy of the application, promissory note, nor disclosure statement as stated. Until the student loan accounts are disputed and validated, reporting account information to any of the three main  Credit Bureau 's such as XXXX, will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your company that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character Moreover, your letter on XX/XX/2018 merely stated that you/your company have reviewed my student loan accounts in connection to the CFPB vs Citibank, N.A Consent Order but make no mention of Citibanks redress plan, final resolution, or restitutions as required per CFPB.

In summary, Im requesting copies of BOTH, a full debt validation as well as the redress plan, final resolution, and restitution as per the CFPB vs Citibank, N.A Consent Order.
Three years ago, I opened a SAVINGS ACCOUNT at Wells Fargo -XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX XXXX I enter the bank with a cashiers check that I had received from a customer Drawn on XXXX XXXX XXXX XXXX, I felt it was weird to receive payment from a bank with no Minnesota Branches ( at that time ) I ask my personal banker to call and to verify that this in fact was a good cashiers check ( {$1800.00} ) she did and confirmed it was good. I then deposited in my account, the next day I returned to withdraw some of my money to pay bills. three days later I came to the bank to make a deposit and Wells Fargo had closed my SAVINGS ACCOUNT. I heard nothing more from Wells Fargo!! Within the last week, I went to a local bank to open a new Business Checking Account. I found that my name XXXX XXXX is on this black list " XXXX XXXX '' and as turned down by because money owed to Wells Fargo. Wells has every right to collect any money owed to them and had every right to close my account even thou they verified my deposit, BUT AS I READ THE RULES AND LAWS, NO ONE HAS THE RIGHT TO BLACK LIST ME AND MY NAME ON A DEPOSIT THAT WAS APPROVED BY WELLS FARGO- I have file with the OCC and repeatedly spoke to the branch and branch mgr XXXX XXXX and she says its proper to blacklist me! 
I PRAY FOR YOUR IMMEDIATE HELP IN HELPING ME CLEAR MY NAME IN THE MATTER AND GETTING MY NAME OFF THIS " XXXX XXXX ''
This started on on XX/XX/XXXX / i get paid from my employer on a weekly bases / so i make weekly payments to all my credit accounts/ when i got this card i was only given a {$500.00} limit / so when i use it weekly my balance gets high so i make payments weekly that way i have avil credit to use the card and to gain more rewards / i made a payment on XX/XX/XXXX amount XXXX / then the follow week i was about to make another payments however i noticed my avil bal was lower and didn't reflect my balance / so i called XX/XX/XXXX talked to a rep and she stated it was due to me making weekly payments and only 2 or 4 % off all payments we held / and she was able to release the funds since i had a good history / and she advised me that i would need to call in to make a debit card payment since they don't hold those payments / so i made a debit card payment onXX/XX/XXXX for {$120.00} and it wasn't held / so then on XX/XX/XXXX i didn't have time to hold to talk to a rep to do the debit card payment so i did it online / then when making a payment onXX/XX/XXXX i noticed they held the funds from my account again for the full amount of this payment / called and was told sorry no one you can talk to about this to call back and talk to a payment dept / So i tried calling todayXX/XX/XXXX due to my acct having a {$20.00} balance but only having {$210.00} avil out of my {$500.00} credit limit / this is really effecting my credit utilization and as well all these payments have been cleared from my bank over 7 days / i talked to a rep today and she didn't know what was going on / was on lunch break and told her i had a short time to talk / so she put me on hold / and didn't come back / so i had to hang up and go back to work / this has been such an issue and no other banks have put me thur this and this has to be resolved!!! i'm sure im not the only person in this world that makes weekly payments.
I received a letter from the Law Office of John E. Lindner in XX/XX/2018 threatening to sue me on behalf of XXXX XXXX XXXX XXXX XXXX over debts of which I had no knowledge. The total amount of the claim was {$2000.00} and cited various charges over a three-year period. While I was working to resolve the billing issues with XXXX and my insurance company, the debt collector filed suit and set a court date. Between my insurance and myself, the majority of the debt was paid. However, my insurance advised me that they do not see any reason I would owe the additional amount. I wrote the debt collector, including proof of payment for the debts that my insurance company found to be legitimate, and requested details on the other debts. Given the billing issues I had already experienced with XXXX and the fact that I never received a bill in that amount and my insurance company does not show a copay in that amount, I need proof that this is a legitimate claim. The debt collector did not provide details on the claim in a timely manner and continued with the law suit knowing that the debt was being addressed. When I called the debt collector the Friday prior to the scheduled court date, the debt collector refused to cancel the court date and law suit despite a major portion of the debt having been paid and them failing to provide details on the additional charges.
Debt was paid in FULL to them and they will not remove this from my credit report. It 's been over 75 days and it still appears on my XXXX as open
United consumers has been leaving me voicemail on my work phone stating they are a collection agency and I need to contact them. I have contacted several times and asked what this is about since I am not aware of any outstanding bills. When I get in touch with somebody, they state my phone number I am calling from, provide me my name from my phone number and then continue to ask for more personal identifying information. I am NOT going to give some company I have no idea who they are any information since they seem to know who I am when I call. They have refused to provide me any reason for calling me and leaving the threats regarding unpaid bills. At this point I am furious and need an explanation. There are way too many scams out there and I will never provide any personal identifying information to some voice on a phone, If they have my phone number and my name and I return their call, I expect a quick response as to what the issue is, not asking for more information to add to their attack. As far as I know I have ZERO outstanding debt aside from a 0 % interest loan on my XXXX. My house is even paid off.
I currently have a home mortgage with Wells Fargo home mortgage company. For over 7 years they have failed to report any of my payments to any of the credit bureaus. Over the last 7 years I have contacted them several times to request that they correct the issue with no resolve. I recently spoke to a representative in their executive complaint department named XXXX who assured me she would look into this matter and find a resolution. Approximately one week later she informed me that they had began reporting in XXXXXXXX XXXX XXXX but would not be going back to crack the last 7 years. She said there was an error in their system that affected several people and it was too high of a risk factor for them to correct the report because if they fix mine they would have to fix other people 's and it could be a risk for Wells Fargo. It does show that they are have been reporting since XX/XX/2017 to one credit bureau but not the others. This has affected my credit score dramatically. I need to refinance my home to get my ex-husbands name off of the loan and I can not do that because they require a higher credit score than what I have currently. I feel that if they would have corrected my payment history my credit score would be well above the requirement to refinance. If I did not pay my payments they would take my home however I do pay my payments and they do not report correctly. There is missing information and one credit agency has no record that I ever even had a mortgage loan to begin with. This is very frustrating as I have a young child with a very rare medical XXXX that consumes most of our time. I feel that excessive amount of time has gone by and this should have been addressed by now.
Continued to call even though I asked several times that they stop phone communication with me and mail the information to me. The person on the phone said they do n't mail information. 

Then they told me I could be taken to court, but when they found out I am on XXXX they said civil action would be taken. 

I have XXXX with XXXX and each time they call they exasperated my XXXX.
Diversified Consultants and XXXX are attempting to collect money on an account that was paid and terminated. XXXX breached their contract with me by charging fees that were not allowed under our contract. I therefore terminated services with a {$0.00} balance. XXXX then tried to collect the monies allegedly owed for the remainder of the contract, i.e. {$820.00}. They have improperly reported these fraudulent charges to credit bureaus.
The company website give you a option to pay the bill via your bank using the bill pay. My bank delivered my payment to the Oportun company on XX/XX/18. The company applied a late fee {$14.00} because they claim they don't check the PO BOX daily for payments. They gave the in date of the payment XX/XX/18, but i should be XX/XX/18. The website does not inform the customers that it might take a few days for them to get the payment from the PO BOX .
Wells Fargo o pen up a fraudulent account without my notice ... .Allowing multiple fraudulent transaction on my account from  XXXX   XXXX   XXXX , withdraws and more to be explaine d Wells Fargo than refuse to investigate fraudulent activity and tampering with investigate threatening to close my account due to retailation of my complaintss
I submitted several disputes to Equifax regarding a tax lien filed in XX/XX/XXXX. I checked with the clerk of Court whom stated to me that they do not verify ANY sort of information or report information to the credit bureaus. I was also educated about the new law that took effect XX/XX/XXXX. The tax lien reporting on my credit does not list any identifying information such as my DOB, and social security number. Equifax has failed to follow this new law and this lien should have been deleted from my credit report following the first dispute.
XXXX and XXXX have deleted the lien, but Equifax has not.
My name is XXXX XXXX.
DOB XX/XX/XXXX SSN XXXX Tax Lien Reference # XXXX.
Your assistance with this issue will be greatly appreciated.
Thank You.
Hello, XXXX years ago I settled with a debt collector on a loan I had on my car. The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. I had a seller for it XXXX year ago for {$800.00}, but they backed out because I did n't have the pink slip. Can you help me? 
Hello, Two years ago I settled with a debt collector on a loan I had on my car. ( XXXX ) The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. Can you help me? 

Vision FinancialXXXXXXXX # XXXX
On XX/XX/2018 I realized that I had a debit that was pending that would cause my account to be negative it showed the account was negative XXXX all other transactions were already pending and had been deducted from my balance. Within minutes of realizing this I immediately transferred funds from another regions account to put my account back into the positive and actually made sure I had at least XXXX or more so I didn't have a lose balance. Regions has said on many occasions that transactions are posted at midnight this was XXXX when all this took place so there was plenty of money to cover the negative XXXX. At midnight on the XXXX the account was not in the negative it had money to cover everything but I was still charged an overdraft fee on the XXXX now what is the point of having another account to transfer money from if your still going to charge an overdraft fee even though the money was in the account? This makes no sense there is no point in offering transfers if it does no good and regions still takes what they want anyway. I've read over XXXX complaints for this exact thing happening with regions at what point is the scamming going to stop. I'm to the point that it maybe time to find a more honest bank who conducts business the honest way. This isn't the first time this has happened after the last I told my wife I would handle all banking just to see for myself what was going and was appauled to see that they are actually doing this to customers.
I was sued in XX/XX/2015 by Citibank , N.A . and Won the case with prejudice. ( see attached ). since then and currently i am still getting calls and mailings from a number of collection agencies over the past 3 yrs and have stressed out about it so much that I am considering filing a law suit which would cause me enormous expense and stress. Each agency that either called or send me mail demands I responded to and it still persists even though I gave each collection agency the facts of the court case. I am XXXX yrs old and legally XXXX on a tiny fixed income. I feel the emotional abuse is and has been chronic causing me fear to open my mailbox as well as answer my phone. I have attached copy of the law suit I Won by Citibank , N.A . collectors ( I only saved two of many more mailings I have received since this law suit was filed against me in 2015. ) I feel that Citibank , N.A . need to offer me some sort of financial compensation for my emotional suffering for 3 yrs and stop this harassment and Remove this " debt '' from my credit report.
To whom it may concern, Quicken Loans advertises financing as easy as 1-2-3 but that is not the case. In fact many real estate agents I have worked with say quicken is not a good way to go. A : Quicken has held me hostage to " conditional '' approval of my loan- even after all of my objection deadlines for the property that I am under-contract for. This strategy gives them the upper hand and lets them set the terms. B : Quicken requested repairs to the property that were not requested by the appraiser and not considered an impact on the valuation of the home. They said, " Its something they just wanted done. '' It almost killed the deal, cost me money on a property I do n't own yet and made it impossible to do an appraisal objection since it was quickens request- not the appraiser. C.Quicken has asked for documentation for every amount down to {$100.00} going in and out of ALL my bank accounts. Basically causing me the inconvenience of 'freezing ' my account activity so that they will not HARASS me with any more documentation requests.
D. Quicken keeps on coming up with new " problems '' they had n't noticed before like asking me to pay off my auto-loan to qualify AFTER they had already qualified me. The auto-loan had been there all along. It is my professional opinion and that of my legal counsel that quicken is doing whatever they can to block this loan. E. Quicken has repeatedly attempted to find ways to charge more points to my loan so that it is more profitable to them.
XXXX has scammed me via a laundry list of fees that have racked up over {$30.00} in two days. I got my first Direct Deposit over {$500.00} on XXXX/XXXX/2016, and I received a text stating that I was upgraded to a Premier status. I already knew this was a benefit that Netspend offered, so I proceeded to use my card to pay bills and do things I needed to do for my family. 

Tonight I looked over my charges because I was short and could n't figure out why. I have various fees for everytime I used that card until I last used it a few days after my DD. I counted over {$30.00} in fees in TWO DAYS ; which is OUTRAGEOUS and something I would 've never paid seeing as I just recovered from a car accident that left me UNEMPLOYED for almost two months. 
I called their " customer service '' line tonight, and after arguing with the rep and him trying to tell me that I " misinterpreted '' the text I got, I asked for a supervisor, and after waiting on hold for that " supervisor '' for almost 10 minutes, He ( name was XXXX ), pretended not to hear me, when I KNOW he could, and hung up on me.