WillisBack/dataset-financial-user-claim huggingface dataset:
Capital One is reporting a collection on my account through XXXX/XXXX. I spoke with a representative in which she advised Capital One bought XXXX Nevada but still disguising reporting using XXXX name. I was in a chapter XXXX bankrutpcy from XXXX - XXXX and Capital One was included. This account should have legally been discharged in this completed bankruptcy payment plan. Capital One is destroying my credit intentionally.
I applied for a pay day loan with Green Trust cash. 
I payed amount in full back a couple weeks a later. 
I was contacted by a representative to pay amount, I told them I did. Representative said it 's a monthly reaccuring amount, so I canceled. 
I went through a bankruptcy and Green Trust Cash was included in the bankruptcy. Now I 'm being contacted again to pay them.
My mortgage was sold to a new lender on XX/XX/2015. The new lender is Lakeview Loan Servicing, LLC c/o XXXX XXXX, XXXX. Located at XXXX XXXX XXXX XXXX XXXX, VA XXXX. I called this company on XX/XX/2015 to verify the payment address so I could make my mortgage payment but was advised by a representative that the account was not in their system yet and was asked to callback in 1 week. I called the following week and was told by the representative that my mortgage payment had increased, when I questioned the increase the rep realized that the property tax escrow amount was higher. I gave the rep a breakdown of my mortgage payment with the previous lender and that gave me my monthly total of {$2100.00}. The new monthly payment now being billed is {$2300.00}. The rep opened an investigation to have the property tax escrow amount corrected after verifying with the states website. The rep told me to callback in XXXX to XXXX business days and then I could make my mortgage payment over the phone. I called back to follow up after the XXXX business days I was told this matter was still being investigated and the deadline was XX/XX/2015. I called back on XX/XX/XXXX ( 4th call ) and the issue was still not corrected. I requested to speak to a supervisor and was told one was not available, and the supervisor would call me back same day before XXXX. I never received a callback. My wife called again today XX/XX/XXXX and the rep XXXX agent ID # XXXX advised her that the matter has still not been resolved. My wife explained that this is unacceptable customer service and that we are trying to make the correct mortgage payment and nobody is doing anything to have this matter resolved. XXXX said she would transfer the call to the supervisor but then came back on the line and said a supervisor was not available but would have one call us back. My wife advised the rep that we were told this before and the supervisor never called us back. My wife also told the rep that she will be filing a complaint with the CFPB and is still waiting for a supervisor callback. My wife requested the name of the customer service manager and XXXX said her name is XXXX XXXX. We have been consistently trying to have this matter corrected so that we can pay our correct mortgage payment, but nobody in the mortgage company is willing to help.
We have been banking with Wells Fargo and had a no monthly fee account. When checking on line my husband noticed that a monthly fee of {$18.00} appeared on our savings/checking account. We had no noticeof this change. My husband contacted Wells Fargo by phone. He was told that they had changed our account to one that now carried a monthly fee. My husband was told that the bank was not required to inform us of this change. Now it was necessary to have a mortgage with Wells Fargo to have no monthly fee. My husband told them that this was unacceptable, we wanted a refund of the fee. Initially they said this was not possible. My husband asked to speak to a supervisor. After some delay, my husband was told that they would refund half of the fee, {$9.00}. My husband told them this was unacceptable, that the entire fee needed to be refunded. The contact person on the phone said, and this is a quote, " what 's the problem? It 's just {$9.00}. " Once again my husband said this was unacceptable and that the entire fee needed to be refunded. After more delay the supervisor came on the phone and said that the entire fee would be refunded since " we were such good customers. '' How many people who may not be routinely checking their accounts have not noticed this change? Apparently Wells Fargo believes it can steal money from its customers, that they are not required to inform customers of changes to, their accounts, that customers should willing to absorb half the fee since it 's such a small amount. Needless to say we will be changing banks. How much money has Wells Fargo made with this deceptive and dishonest practice?
During the du ration of six mo nths I have called as well as sent in the proper documents which consists of police reports and identity affidavit to show that an account which is  XXXX   XXXX  and  XXXX  for the amount of  XXXX  an inquiries which will listed below for resolution on my credit report was identity fraud. Due to all of communication and documents I have still yet to have the account removed off my report I have tried multiple times I would like the account as well as inquires that I did not authorize to be removed.
XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Transunion XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from Transunion Credit Reporting Agency and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with Transunion or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XX/XX/XXXX-XX/XX/XXXX. Two are XXXX XXXX XXXX XXXX accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with XXXX. The two vehicles purchased in XXXX XXXX, VA were purchased between XX/XX/XXXX-XX/XX/XXXX and then in XX/XX/XXXX. One or more other lender ( s ) may be XXXX or XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. 


Respectfully Submitted, XXXX XXXX XXXX cc : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
I have tried to work with this company Fay Servicing my account manager XXXX XXXX she is the worst.

I havent received the money back that I sent in to pay off my mortgage From my insurance check there was {$8000.00}. supposed to be returned to me. Ive been calling leaving messages also emails.I want proof that its paid off.

shes rude to me when I call, she cuts me off doesnt let me complete my Questions when I speak to her. The worst customer service. Ive complained about her it seems as they dont care they refuse to allow someone else to be my acct manager. no follow-up from supervisors they could care less how they treat their customers. I sent in my insurance check instead of fixing my house with funds from hurricane Harvey my house was totally submerged underwater and they just could care less. I paid it just so I wouldnt have to deal with them and I have no proof that its been paid off not even a letter confirming anything theres no number to call. Where I had to send my check and they refused to give me a number its been a couple of months now. I wish that someone would do something about that company all they want is your money. I need the money so that I can repair my home the weather is so cold and I have no walls yet nothing, no updates.

they harass you with letters my account was supposed to be in the modification process yet they reported me to the credit bureaus.

I had a loan modification just a couple of months ago to lower my mortgage because I was having a hard time paying it due to some personal problems, yet they have no empathy I cant get any itemized Receipt proving were my money has gone I believe they are a rip off.
I am refinancing a mortgage loan that is serviced by Wells Fargo and they are charging {$400.00} in " Pay-off '' Fees. I have asked ( 3 times ) for a specific breakdown of the fees and they have not provided anything more then : " These are the standard fees. 
Payoff Processing Fee {$250.00} and Lien Release Fee {$150.00} '' The fees incurred should not be more then {$110.00} or {$170.00} ( the County Reconveyance Fee for example is only {$92.00} and a pay-off statement fee normally runs anywhere from $ 5-60 ) In the email they also said there is a UCC Termination fee, which I do not believe applies to this kind of mortgage however the UCC Termination fee with the State of Calif is only {$20.00}. 
{$110.00} or {$170.00} =92+20+ ( 5 or 60 )
My mortgage servicer has changed a number of times. In the most recent changes, prior to the latest change, the automatic payment continued without my intervention. However, last XXXX ( 2014 ) when the loan was transferred from XXXX to Nationstar, the payments did not continue. I received a notice from XXXX stating that " payments received after XXXX XXXX, 2014 will be forwarded to Nationstar. '' I therefore thought that my automatic payments would continue. However, on the next line it said that " ACH arrangements will be discontinued effective XXXX XXXX, 2014. '' More than XXXX months later I got a call from Nationstar asking why I was n't paying my mortgage. I was shocked and immediately paid the outstanding balance and setup automatic payments once again. A short time later I tried to refinance this loan, but was denied. My credit rating was low because of the incident described above. Prior to this my credit rating was fine. I have always paid my mortgage and other bills on time. I spoke to a representative at my local credit union and she said that " ACH arrangements '' is a term that she and others in the industry would understand, but that a homeowner would not. I did not know what it meant.
IRS lien filed on same date as paid. XXXX/XXXX/2010. Lien should not have been filed. In any event in the best interest of all parties this item should be removed
We entered into an agreement to construct a dwelling with XXXX XXXX. XXXX directed us to FBC Mortgage for a pre-approval, stating that we would receive {$10000.00} in a closing cost concession by using FBC. FBC did not approve the loan and XXXX will not refund {$8000.00} in funds deposited under the agreement and {$440.00} in electrical upgrades. See attached for additional information including dates.
on XXXX XXXX i called and report my card was lost.some one use in for around XXXX $ and the city bank told me they will get me temporary in 10 day and i called them again in 10 days and they told me the reject my case because the was not police report in my case so i went got my police report and i call them and again they told me it need to be fax and i did fax them and they told me its take 10 days to see my temporary credit .i call them after 10 days again and i told them whats happens and the said sorry we cant help you.really???
On XX/XX/2018 The City Of XXXX Va waived my Realestate Tax becuase I am a XXXX XXXX XXXX XXXXXXXX veteran. On XX/XX/2018 I notified alantic bay Mortgage of the waiver and provided them the documentation from the city of XXXX. 
I was told within 30 days I would have my escrow funds refunded to me. Since then I have called the company five times, three seperate emails and spoke to a " supervisor ''. 
The company has never returned my emails or called back to notfiy me that it has been corrected. As of XX/XX/XXXX, it is now six months and the issue remains, with XXXX dollars in escrow which is not needed. With the waiver of taxes my payment will decrease by XXXX dollars a month. 
I have reached out to the XXXX XXXX XXXX and Alantic Bay has not even responded to them. 
It just amazes me that this company would treat anyone like this, not to mention a XXXX veteran.
World Acceptance keeps hitting my credit report from PAID OFF loans from XXXX. I am trying to get my credit cleaned up and this is not helping my score. I want them to stop reporting old information on me. I called their cooperate office and left a voice mail and got no response. I waited about three weeks before calling the local branch here in XXXX OK where I was told someone would get back with me but I have yet to hear back from them. 

Thank you, XXXX XXXX
Please see attached Companies that took part in this event : 1 ) Wells Fargo 2 ) XXXX and XXXX ) XXXX and 4 ) XXXX XXXX XXXX XXXX XXXX Wells Fargo and XXXX allowed a dishonest contract to take advantage of an elderly man via a vehicle to get financing. XXXX arranged for this contractor and the contractor solicited business while performing another service. 1. Fraud we have no evidence that he work was completed that equaled the total amount charged. XXXX XXXX XXXX XXXX XXXX will not respond to our requests. 2. Lending practice elderly man was recommended into if you buy today then the price is reduced. 3. No paperwork was left with him to dispute in the 5 working days 4. Signatures are questionable ( at least one ). Elderly man is not certain of what he signed.
My checking account with Huntington Bank, # XXXX, is set up to automatically make a payment every month to XXXX on XX/XX/XXXX. XX/XX/XXXX, my automatic payment was not made and no notification was given to me regarding the lack of payment. As a result, XXXX reported me to the credit bureaus as being 30 days late. I found out about the issue on XX/XX/XXXX and manually created a payment for {$120.00} to be send to XXXX on XX/XX/2016 ; so if you look at my history, XXXX payments went out on this day - the one I input the the normally scheduled payment. 

I had plenty of money in my account to cover the {$120.00} payment on XXXX, but even if I had n't, Huntington bank should have at least notified me of the issue. I talked to XXXX and because I had never been late on a payment before, they waived the late fee, but I was still reported as being 30 days late. I need my credit reports fixed.
I received a phone call from a woman claiming that I owed on an XXXX account in an amount exceeding {$900.00}. I have never owned such an account. The women was rude and tried intimidate me. They called from a XXXX number ( XXXX ) XXXX, even though they claimed to be in South Carolina.
I was called by XXXX XXXX and told me that he called my job trying to collect on Student Loan debt and that 's why he called my job that I just started less than two months ago. I told him he should n't have called my job because we are n't allowed to get personal calls at my job unless it 's an emergency. He said he was allowed to call my job and I told him it was against the law to call anyone 's job about a debt and that he could have gotten me fired from my job. He was rude and did n't let me talk and would not allow me to deferr my student loans because I had just started working there.
I previously filed a complaint with CFPB regarding Specialized Loan Servicing about my mortgage.
As previously stated, Specialized Loan Servicing has been  holding insurance funds that they were not entitled to since XXXX XXXX. I paid for all the repairs to my home. Specialized Loan Servicing was to endorse the check and return to me. Rather they deposited the money, applied it to my mortgage for 6 months of payments, then reversed the transactions after a couple of months, leaving me in default, held the monies in " escrow '' - filed a foreclosure suit against me, had me refinance with them - and said they would only return me my insurance proceeds after I made payments for 6 months. 

During that period of time, I was accidentally copied on an email between Specialized Loan Servicing and their counsel, where they said that they would provide me with a modification package but were going to deny it upon my submission and proceed to foreclosure. ( a copy of this email was previously provided to CFPB ). Once Specialized Loan Servicing and  their attorney learned that I had a copy of that email, they immediately allowed a modification but not without tacking on fees to the mortgage amount and refusing to return my insurance proceeds until they received the 6 months of payments. 

After 6 months they did not return my money. When I repeatedly called and asked, the representatives told me that I had to have an attorney call to get my money back. 

They then started returning my payments. 

In their previous response to my complaint to you, they said they were looking in to the matter, that I had more than a year of unpaid mortgage payments, at the time, which was not true and that they would continue to look into the matter and respond to me. 

CFPB closed the matter with the response. 

Specialized Loan Servicing did not respond to me. Did not send me my insurance proceeds. They did not send me any correspondence. 

I have been informed that they went ahead and filed a lawsuit against me.
On XXXX/XXXX/17 I dispute I filed with Paypal was elevated to a claim ( XXXX ). Paypal has since closed the dispute and refused to refund money according to their policy.
On XXXX/XXXX/17 I purchased an item on XXXX via Paypal. The seller provided 2 tracking numbers over the next few weeks in response to queries about why it had n't arrived.
The seller provided 2 tracking numbers to me : 1 ) on XXXX/XXXX/17 - DHL : XXXX ( XXXX XXXX XXXX ) 2 ) on XXXX/XXXX/17 - USPS : XXXX ( XXXX XXXX XXXX ) Later, USPS sent a letter to confirm whether I had received the item. I had not and replied to their letter on XXXX/XXXX/17.
Paypal closed the claim, asserting the tracking number provided by the seller confirmed the item had arrived. I called Paypal and had the claim re-opened. Subsequently they re-closed the claim, once again asserting the tracking number confirms delivery ( it does n't ).
I was unknowingly made a member of PayPal Credit. Payments were routed without my permission to PayPal Credit rather than my chosen means of payment, my personal checking account and credit cards. I have questioned both membership and charges more than XXXX times in sriting to PayPal without satisfactory answers. I have written to close the account without results. On XXXX XXXX, 2015, the Consumer Finace Protection Bureau ( CFPB ) filed federal charges against PayPal Credit for the same fraudulent practices and the court ruled against PayPal, confirming this illegal practice. I am filing personally to have the account closed and my contested charges cancelled.
I have received multiple calls from both a local number ( XXXX area code ) as well as calls from the XXXX area ( XXXX area code ). I have answered and spoken with the representative to request a cease of contact and have been still receiving calls. I have worked tirelessly over the past several years to satisfy all outstanding debts and collection accounts and have pulled my full credit report multiple times. The debt in question is posted on my credit report as " legally paid in full for less than original amount '' which should have ceased collection. I have notified the collection company " XXXX XXXX '' that the debt has been settled and to please stop calling me. Phone calls have been from XXXX and XXXX over the past 2 weeks. Even after telling them that the amount has been satisfied, they say I still owe over {$7000.00} for XXXX XXXX. Only remaining collections on my account are XXXX overdue bill and XXXX XXXX overdue bill ; both have been paid and satisfied.
The collection agency keeps reporting a XXXX account as mine after I filed a police report and affidavit and faxed all information to them. It added this account twice and now my credit has went down
Listed on the Experian Credit report are two addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, WI XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX Address ID # XXXX Single family
A company called NAF Solutions has been calling my mother, my in laws and my wife 's job claiming that I wrote a check for XXXX and have me on video writing it and did not pay. I have never written a check for this amount and have called repeatedly asking them to stop calling my relatives, and that I do not owe this money. I looked them up and they are based in florida, their XXXX paperwork expired and the company was dissolved in XXXX, therefore they can not collect anyway. I do not know how these people retrieved my mom 's #, my in-laws #, and my wife 's work # because I have never used these numbers on any credit file or anything. Their # is XXXX XXXX XXXX, their site is http : //nafsolutions.weebly.com, another # they used is XXXX XXXX XXXX.