WillisBack/dataset-financial-user-claim huggingface dataset:
Our Home Loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services on XXXX XXXX, XXXX, to date ( eleven months later ) our account is NOT SET UP. I have not gotten a statement from Carrington since XX/XX/XXXX. 
They have not applied over {$18000.00} in payments all of which were sent via EFT from my Credit Union to Carrington, all of the mortgage payments sent by us ( and by our Bankrupcty Trustee ) have not been applied and are sitting in a suspense account. 
I had to call to get our account number so I could send the payments, then I started calling regularly after two months when we were getting statement showing a huge 'past due ' on our statements. I was told numerous different reasons why my statements showed that way but ultimately I was told that they had a backlog and our account was n't set up and that 's why we could n't access anything online. After calling them for months I suddenly stopped receiving statements ( I got statements from XX/XX/XXXX-XX/XX/XXXX ), when I called to find out why i was told because we were in Chapter XXXX we could n't have regular statements unless they recieved a letter from our bankrupcty attorney allowing it. My lawyer sent the letter immediately, I called a week later and they said they had it but it had n't been 'processed '. I called a month later it still had n't been processed, when I called in XX/XX/XXXX I was told yep it was recieved on XXXX XXXX but not processed but XXXX assured me they now had a dedicated staff to process those requests. A few days after that phone call I got a call back from XXXX telling me that eventhough their system showed they had the letter, they ca n't find it and I need to resend. She gave me an email address to send it to, the email failed. I refaxed the letter using the same number my attorney used. 
I then got a letter in the mail from Carrington asking for my SSN number, not sure how they can have our loan and not know my SSN. Anyway I filled that out and sent it back along with a HARD COPY of the letter from our attorney asking that statements be sent to us. It 's now XXXX and I have n't gotten a statement. When I called to inquire I was transferred around and no one could give me an answer. Finally I was put on hold by 'XXXX ' and then he disconnected the call.
I previously filed a complaint against this company. I had a XXXX Credit Card. I decided to close it and pay it off. I am in the process of paying it off but I noticed that it was not decreasing much. They are charging me an extra {$10.00} for monthly maintenance fee even though I have closed the account. I finally paid this company down to {$77.00} dollars I called tried to pay it in full last week, but was not able to get on the internet. I called them and was told that I did not have access to the website because I closed my account. Of course this was a lie, I previously was able to access it. I talked to the rep and told him that I wanted to pay this account of because I did not want them to add the {$10.00} he stated no problem call back and I will wave the charge. Of course I called back today and the rep refused to wave it and refused to put the supervisor on the telephone. I have paid this card despite the fact that the frequently asked questions state, " The monthly Program charge is billed to your account and will be shown on your monthly billing statement. The charge is based on your outstanding balance multiplied by {$.00} per {$100.00} of outstanding balance. They are thieves. They have been charging me {$10.00} a month when they should not have been.
WayPoint sent a letter dated XX/XX/2018, in which WayPoint provided insufficient evidence of debt validation pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Furthermore, this was provided outside of the legally-required 30-day period pursuant to the FDCPA. 
On a letter dated XX/XX/2018, WayPoint alleged one " XXXX XXXX '' owed a debt of {$51.00} for an account with XXXX XXXX. 
I received this letter via US Mail on XX/XX/2018, and sent a request for validation on XXXX XXXX, as you will see in the attached documentation. 
On a letter dated XX/XX/2018, WayPoint stated that they had received my request for validation and would investigate further, pursuant to the 30-day requirement. 
I did not receive any communication providing validation before XX/XX/2018 ( 30 day window ), and sent a notification to WayPoint that as you have failed to provide validation pursuant to the requirements of 15 USC 1692g Sec. 809 ( b ) of the FDCPA, this matter must be closed. 
On a letter I received on XX/XX/2018, dated XX/XX/2018, WayPoint provided, outside of the 30-day period required in 15 USC 1692g Sec. 809 ( b ), claims of debt verification, not evidence of debt validation.
I have had few conversations with Capital One regarding my credit card. They have so many people calling from the executive office. I speak with someone and they tell me they will get back to me and never do. They randomly throughout the day as if they know that I am not at home. I have spoken to Capital One about the high interest fee on the second credit card that I did not want. I wanted an increase on the first credit card but Capital One denied the increase and stated that I had missed a payment even though my payment history was good. After I contact CFPB, Capital One only contacts me once about the matter of the extremely high interest and fees.They then send me paperwork in the mail in which I already can access on their website which does not solve my problem. The interest and fees are ridiculous!!! 

I would like to speak to someone more than once about this matter and finally come to a resolution!! Contacting me once and sending paperwork that I can access on the website does not solve this matter!!
In XX/XX/XXXX, I leased a new XXXX XXXX, and i purchased GAP Coverage through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, the XXXX was totaled as a consequence of being struck by a truck on the XXXX XXXX. The truckers carrier, XXXX XXXX XXXX XXXX. XXXX, ( XXXX XXXX XXXX ), accepted full responsibility for the accident and negotiated  a settlement with XXXX XXXX XXXX - which XXXX accepted. I had nothing ot do with the negotiation. XXXX financial devised me that the settlement - $ XXXX didnt cover The amount due XXXX the lease and th at I still owed {$5200.00}. I submitted the claim to XXXX XXXX XXXX for GAP Coverage. IN XX/XX/XXXX, XXXX XXXX XXXX advised me that I had to submit a report justifying XXXX, s acceptance of {$30000.00} in settlement f the claim, This Request, though patently ridiculous, was nonetheless passed on to XXXX XXXX XXXX an d it then repeatedly sent to XXXX all the documents it had regarding the settlement. XXXX repeatedly said that. The reports were insufficient, but failed t address th e insufficiency, After a while, XXXX elected to stop trying t collect from its own subsidiary XXXX then reported that I was a delinquent debtor under the lease and that it had referred the matter ot collections. When I protested this, it then reported that it had charged off the debt and thereby damaged my credit. 
Its. Actions were vindictive, wrong and ignored my GAP Coverage fr XXXX  I had overpaid at the time I firs leased the vehicle. Thy have persisted in this stance sinceXXXX and ave refused t o properly secure payment from their own subsidiary.
Received a threatening letter stating I would be sued if I did n't pay on?? Something I do n't know. Never have received anything from this company before. Do n't understand the threatening letter.
We applied for a modification and were told by phone we were removed from review due to " affordability. '' But no additional information was provided verbally or in writing. This occurred XXXX 2015 Wells Fargo Home Mortgage Services. We then went to a housing counselor who submitted a second request for review in early XXXX. We then received a letter stating no changes were indicated sufficient to warrant a review and that no review would occur. Our counselor called the servicer and was told we should have received at XXXX page document detailing the reasons for decline. We did not, but requested it be resent. At that time, XXXX XXXX, 2015 we were told to contact the " Re-entry '' department and be screened for possible reopening or our request. During that conversation we were told that the payment was less than 31 % of our gross monthly income, but that our fixed social security income does not match that shown by the bank. They tried to explain that the income is grossed up because we have no tax liability. This is unfair and since we never see any additional money as a result of this, losing our home over imaginary money should not be possible. We were denied a modification, not given a reason, and when pressed the reasons were not accurate. Our monthly income is XXXX, our house payment is XXXX and this does exceed the 31 % ratio the program is based on. We should be reviewed again and the actual income received utilized to make this determination. Thank you.
I had XXXX accounts with Navy Federal that went delinquent a credit card and a consumer loan. They were charged off accounts I started making payments I paid XXXX off in XXXX XXXX and the other XXXX XXXX received paid in full letters saying my credit report was updated and it has not been. I had no knowledge that the account paid in XXXX XXXX was still showing negative on my credit report I assumed it had been updated because that is what the letter said. I have applied for credit and bought a car not knowing this was still negatively affecting my credit. I called them twice regarding the account paid off in XXXX XXXX and XXXX representative stated with attitude it will not be done right away so I informed her that this account was paid over a year it should have been updated she stated would get it over to that department and it should be handled fast forward to XXXX XXXX I pulled my credit report and both accounts are still showing charge off unpaid and is negatively affecting my credit score. I called navy federal again was put on hold speaking with different representatives they informed me it would be updated now it is the end of XXXX and neither accounts have been updated.
My name is XXXX XXXX XXXX XXXX. I am writing due to recent actions by the CFPB against Wells Fargo on the issue that their employees were opening accounts without the customers knowledge and authorization. I believe I am a victim in this issue. I believe a Wells Fargo employee opened a Credit Card in my name without my knowledge or authorization back in XXXX. I am a XXXX XXXX XXXX retiree living on a fixed income. I became a new customer of Wells Fargo in XXXX and opened a checking and savings account. I never opened a Credit Card! I became aware of this in XXXX XXXX when my computer was hacked and I was scammed of {$5000.00} from a Credit Card that I never knew existed. As the scam was unraveling, Wells Fargo notified me that the scammers activated a Credit Card ( that I did not even know that I had ) in my name and advanced {$5000.00}. After my inquiry the bank told me that the card was established in XXXX but had never been activated until XXXX XXXX ( not by me but by the scammers ). Why would someone get a Credit Card and never activate it?? Because they did not authorize or even know that they had it! I have made over a dozen complaints over the past year and a half to everyone from the bank ( XXXX or 6 times ) to the FBI, to the XXXX, to the local XXXX Office and the local Sheriff 's Department. I am including a copy of the letter that I sent to XXXX XXXX XXXX and XXXX XXXX XXXX at Wells Fargo. At this time I have $ XXXX delinquent charges from Wells Fargo against me and my credit report. I would like this charge removed and this matter finally resolved. Thank you! 
XXXX XXXX XXXX XXXX
XXXX  : XXXX XXXX XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX, USA I have been trying to resolve the balance on my account for several months. I live in XXXX  and acquired the account to use when I visit the U.S. The problem originated by received billing ( no online payment option for XXXX  ), very close ( or at the due date ). Even if remittance was paid the same day, it did not seem to be applied to the account on time, by the due date. I consulted with my bank ( XXXX XXXX XXXX XXXX ), and was informed the best option to remit payments was to send a money order in U.S. Funds by XXXX, or other same day service. I did so not once, but twice to eliminate the balance owing. This method has not resulted in credits being applied to my account in a timely manner. As an example : I sent a money orderXX/XX/XXXX by priority mail same day service, and it was not applied to my account until XX/XX/XXXX, after the due date for the next statement cycle. The charges on my account are not for purchases but for interest, and arrears. I no longer use the account. On the last payment I noted final payment - account closed, but I am still receiving bills and the charges keep accumulating. It is a vicious circle. I even visited a XXXX  in the U.S.last summer to pay the amount in full but was told since there were penalties on the account, I could not pay in the store. I have also called XXXX  and explained the situation on numerous occasions but to no avail. I contacted the Government of XXXX Ombudsman and they directed me to your Office.
Hi, I have a checking account with MIdfirst Bank, this bank have debited my account without my permission and stole {$60.00} from my money. I have contacted them and they claimed that the money was in collection of my daughter 's account XXXX, who is disputing a transaction as fraudulent and un authorized and the dispute is still being investigated by Visa. They have closed my daughter 's account ( which I'm not part of it ) and charged my account for the disputed amount. This is plain theft and fraud. 

Regards, XXXX XXXX
I attempted to close an account with Chase Bank in 2012. Apparently it did not close and I was charged roughly {$480.00} in fees. In between the time of closing my account and when the fees hit, I moved to a new address and unfortunately I did not know about the issue until recently when I tried opening account at another bank and was denied. I attempted to rectify this issue multiple times with Chase, but they stated they were " not collecting on the amount owed '' and that there was no way they could remove the account from XXXX. I ended up finding someone that would take the {$480.00} to pay off the debt, but unfortunately I am still on XXXX. I attempted to escalate the issue multiple times but it was not until I spent a considerable amount of time in a local branch that anyone even received the complaint. 

The fees I were charged should have never happened and I should not have to pay the amount I did. But since I did, they should do the right thing and remove this from my XXXX record as it is their fault for failing to close the account properly.
XX/XX/XXXX I signed up for fiber internet with XXXX. They delayed install 3 times and broke our contract. On the third delay, they agreed to cancel the install. This was XX/XX/XXXX. 

Soon after, I received a bill for around XXXX dollars. And soon after that calls from a collection agency. 

I cleared things up with centurylink in XX/XX/XXXX, but their credit agency just sent me a collection notice today XXXX XXXX, XXXX. 

They need to stop. At this point it 's annoying that I get punished because they ca n't keep track of their billing from one day to the next.
2. I was the primary cardholder of a Citi Diamond Preferred Card ending in XXXX ( hereinafter the card ). 
3. The only other user of the card is my son XXXX who had a card bearing his name with the identical card number. 
4. In late XX/XX/XXXX and early XX/XX/XXXX, I received a bill from Citi Cards for charges placed on the card which were not made by me or by anyone I authorized. 
5. I reviewed these unauthorized charges with my son XXXX XXXX and he informed me that he did not charge the items nor did he give anyone permission to charge those items. ( See attached affidavit of XXXX XXXX ) 6. The charges totaled thousands of dollars and were at stores I never shopped at and in neighborhoods I did not frequent. 
7. I called Citi Card on several occasions to dispute the aforementioned unauthorized charges.
8. I spoke to Citi representatives on several occasions, each time indicating to them which charges I disputed.
9. Never during the period in question did any representative of Citi Card call me to ask me about potentially fraudulent charges to my account that appeared on their face to be of a suspicious nature.
10. The charges I disputed are attached hereto under the heading Billing Disputes and highlighted in pink.
11. In spite of the claim on my Citi Card bill that the items listed under Billing Disputes have been Resolved, Citi Card continues to bill me on a monthly basis for these unauthorized charges.
12. Furthermore, upon information and belief, Citi Card caused collection agents to send collection letters to my home address for charges that I do not owe after I told Citi Card on several occasions that I do not owe these charges.
13. Upon information and belief, Citi Cards persistence in collecting a debt not owed by continuing to send me bills I do not owe and in causing collection agencies to send harassing letters to my home violates the federal Fair Debt Collection Practices Act ( see 15 U.S.C, 1692 ) and New Yorks Fair Debt Collection Practices Act Section 600.
Repayment plans are ridiculous unreasonable! Also fees change so much I have no clue what exactly is the correct amount I owe anymore.
I purchased a vehicle and the sale contract apr rate is different from the loan company 's rate. The sale contract has the apr as 13.39 % and the loan statement shows 13.91 %.
I have called stellar recovery Inc. several times over the past two years. My XXXX XXXX account states and I quote This agency did not report a closed account to this bureau it was for a XXXX XXXX bill for {$39.00} which has been paid ( for over three years now ) .I have requested that stellar remove this collection from my credit report and stellar stated that they can not. I ask why and the representative said only the three credit bureaus can. So I sent in a request to the credit bureau to have it removed and it was denied, because they said stellar and I quote This agency did not report a closed account to this bureau. Im getting really tired of the back and forth with this company stellar recovery Inc. I just want it removed from my credit report! The debt has been paid in 2014. Im not understanding why its so difficult for them to remove it.
The bureaus have me listed with multiple address that belong to my son. This is misleading and was done by the three bureaus and Michael J. Scott Attorney in XXXX Texas. He send multiple personal document to my so to publicly embarrassment and harass me.. My son contacted and forward legal and personal information sent to him in an attempt to embarrass me. 

The attorney knew my address well because he sent me the same documents at my actual address XXXX XXXX XXXX XXXX, XXXX XXXX Not Mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I took my home loan from US Bank, there was issues in loan fees charges and credit promised by lender in final XXXX document. 

My Mortgage Originator promised me that he will look on to those issues and reimburse me for additional charges which are in XXXX. 
I was not able to resolve those issues in time before closing as Mortgage Originator was on leave and on day of closing he verbally informed me that he will issue credit for wrong charges. 

Later they denied for adjustment and informed me that now they ca n't go back as closing is already done, when I have given option of XXXX correction, they informed me that they will reimburse me through XXXX gift card. 
My closing was done on XXXX/XXXX/2015, they accepted to reimburse through Gift card on XXXX/XXXX/2015 and since then I am following up with them to get Gift cards, and my mortgage originator replying to me that he will get them in week XXXX, but actually never sent them to me. 

I had overpaid {$290.00} than agreed as below. 
I was supposed to get credit {$530.00} ( Platinum credit ) and {$470.00} ( Appraisal fee waiver ), total {$1000.00}. 
But actually I received credit of {$530.00} ( Platinum credit ) and {$210.00} ( Lender credit ), total {$750.00}. 
Also, their was charge {$43.00} for point ( which was never agreed ), so total I over paid is {$290.00} XXXX XXXX - XXXX + XXXX = XXXX ). 
I have all email communications from them.
OM MULTIPLE OCCASIONS I WAS CONTACTED BY CBA IN REGARDS TO DEBT COLLECTION. I RECENTLY PAID OFF SEVERAL ACCOUNTS I HAD LISTED WITH THIS CREDITOR AND NEVER HAD A PROBLEM WITH CUSTOMER SERVICE UNTIL XXXX OF THIS YEAR. THE YOUNG LADY THAT GOT ASSIGNED TO MY ACCOUNTS WAS VERY RUDE TO ME EVERY TIME SHE CALLED MY CELL PHONE. i EXPLAINED THE PRONUNCIATION OF MY LAST NAME AT LEAST 3 TIMES IN ONE CALL AND THE YOUNG LADY CONTINUED TO PRONOUNCE MY NAME WRONG EVERT TIME SHE SAID IT AS IF SHE WAS MOCKING ME FOR CORRECTING HER PRONUNCIATION. THE YOUNG LADY CALLED ME A XXXX BEFORE HANGING UP IN MY FACE. I THEN CALLED BACK TO THE CREDITOR AND ASKED TO SPEAK TO HER MANAGER AND HAD TO WAIT ON HOLD 30 MINUTES FOR THEM TO TELL ME THAT SHE WOULD GIVE ME A CALL BACK LATER THAT SHE WAS BUSY. LATER THAT DAY THE MANAGER RETURNED MY CALL AND WAS INITIALLY RUDE TO ME ON THE CALL AS WELL. WHEN I EXPLAINED THE SITUATION TO HER ABOUT THE LANGUAGE USED AND THE TERRIBLE CUSTOMER SERVICE USED DURING THE PRIOR CALL WITH HER ASSOCIATE SHE BEGAN TO CALM DOWN SOMEWHAT AND LISTEN TO WHAT I HAD TO SAY. I EXPLAINED TO THE MANAGER THAT I WAS PREPARED TO MAKE A PAYMENT ON ONE OF MY ACCOUNTS AND SHE TOOK THE PAYMENT AND ALL WAS WELL AND SHE APOLOGIZED FOR HER ASSOCIATED BEHAVIOR. I ASKED IF MY ACCOUNTS COULD BE MOVED TO A DIFFERENT ASSOCIATE AND THE MANAGER INFORMED ME THAT SHE COULDNT DO THAT. MY ACCOUNTS HAD TO REMAIN WITH THIS RUDE LADY. SO, A FEW DAYS LATER THE ASSOCIATE OVER MY ACCOUNTS CALLS MY CELL PHONE AGAIN AND PURPOSELY MISPRONOUNCES MY LAST NAME WITH A CHUCKLE BEHIND IT AS IF SHE WAS MOCKING ME AND MY LAST NAME YET AGAIN. I STILL HAVE ACCOUNTS WITH THIS CREDITOR AND WANT TO RESOLVE THEM BUT I CANT EVEN GET THROUGH A PHONE CALL WITH THIS PERSON WITHOUT BEING MOCKED AND MY LAST NAME BEING MADE FUN OF. ALSO AFTER MY PHONE CONFRONTATION WITH THIS LADY DAYS LATER THERE WERE NEW ACCOUNTS POSTED TO MY CREDIT REPORT THAT HAD PREVIOUSLY BEEN CLOSED AND THEY WERE RE-REPORTED UNDER DIFFERENT DATES AND XXXX OF THE ACCOUNTS WERE DUPLICATED TWICE.
I called the credit bureaus and they stated they could not have them removed even though I told them they are not mine and there was no verifiable information linking me to the credit inquiries.
Good afternoon. I have reviewed a copy of my XXXX credit report dated XXXX/XXXX/15. Ally financial is still listed in the " Negative '' accounts section due to stating the following " Discharged through Bankruptcy ''. This is absolutely incorrect. Also, an Ally credit reporting representative called to tell me that the vehicles were included in the bankruptcy and were turned in. The vehicle loans were NOT part of the bankruptcy. If this were the case, I would not have been able to trade in the vehicles and the loans would not have been paid in full .... Page 32 of the attached document shows that Ally / GMAC was reaffirmed and exempt from bankruptcy. 
It is unethical for this company to continue reporting incorrectly. 
I am having a similar issue with XXXX XXXX and XXXX XXXX. However, they are only reporting that I filed " Petition for Chapter XXXX Bankruptcy ''. This is true, but NO student loans were included in the bankruptcy. Therefore, should not be reported under " Negative Accounts '' Thank you for your immediate assistance, XXXX XXXX
I did a transfer of XXXX litecoins valued at approx {$250.00} each from XXXX to XXXX. The transfer process is noted in my account as pending. It usually only takes an hour. Its now 24 hours and still says pending. No one has responded to my emails asking for an update and why taking so long.