WillisBack/dataset-financial-user-claim huggingface dataset:
Shellpoint Mortgage Servicing handles my 2nd mortgage payment of {$140.00}. I called them XX/XX/XXXX to inform them that I had overpaid this debt and wanted to settle it as " Paid In Full ''. The reason for the call was that I no longer had income and had lost my employment on XX/XX/XXXX. Between the XX/XX/XXXX and XX/XX/XXXX, I took the time to read over the Servicing agreement I had established with XXXX in XX/XX/XXXX. Upon adding up the total payments, they totaled over {$23000.00}. The original note was {$15000.00}. XX/XX/XXXX, XXXX modified the loan and reduced the payments from {$200.00} to {$140.00}. Following that reduction, I filed Chapter XXXX and DID NOT include XXXX in the bankruptcy. The XXXX debt was " Reaffirmed '' ( XX/XX/XXXX ) since I wanted to keep my primary resident. The {$140.00} was made to XXXX until XX/XX/XXXX. At that time, I received a letter dated XX/XX/XXXX stating that the Servicing has been transferred from XXXX to XXXX XXXX  XXXX. XXXX is Shellpoint Mortgage Servicing. The notice also stated " The transfer, assignment or sale did not affect the terms '' According to Shellpoint, I owe {$7200.00}. Upon the transfer, Shellpoint claims the balance was {$13000.00}. From XX/XX/XXXX-XX/XX/XXXX, I paid {$200.00} monthly and most of that in a timely manner. {$6200.00} minimum. Of which I paid {$5100.00} of interest during that period. From XX/XX/XXXX til XXXX letter XX/XX/XXXX, I paid XXXX over {$10000.00} From XX/XX/XXXX til XX/XX/XXXX, I 've paid XXXX/Shellpoint over {$6100.00}. If you include the Originating date XX/XX/XXXX-XX/XX/XXXX, that 's another {$6200.00} to add. Total payments to XXXX/Shellpoint. {$23000.00}. This amount does not include payments above the minimum required. Please note : This loan was modified to zero ( 0 ) interest. Also, in my research, I 've found that there is a class action suit against Shellpoint for this same issue of collecting more than what 's due. Shellpoint sent a letter dated XX/XX/XXXX after I ask for a payment history which stated I owe them {$7200.00}. Shellpoint keeps insisting that the loan was discharged through Chapter XXXX. Which is not true. This loan was " ReAffirmed ''. Because it was modified before I filed Chapter XXXX. Upon calling Shellpoint, they insist that the payments went to Bankruptcy court and I continue to tell them " You do n't make payments to court under a ChapterXXXX. ''
In XXXX of XXXX, I opened a Citigold account using the promotion code XXXX, which awards XXXX XXXX XXXX miles after {$1000.00} in debit card purchases and bill pays in XXXX consecutive months. I was unsure if I was eligible to use the promotion code so I confirmed via the CITI messaging on my account. On XXXX/XXXX/XXXX I received confirmation from Citi CSR XXXX XXXX XXXX XXXX XXXX ) that " this is the offer you are eligible for '' ( see attachment ). 
After meeting the requirements, I confirmed via secure message that the requirements were met and my miles would be awarded. I received confirmation on XXXX/XXXX/XXXX from Citi CSR XXXX XXXX ( see attached. XXXX XXXX ). 
I was told they would be deposited by the end of XXXX. On XXXX I sent a message confirming that my miles would be deposited in XXXX and received a response on XXXX stating that I was no longer considered eligible for the promotion and " that meeting the requirements does not confirm eligibility. '' I followed up on XXXX with a chat with a Citi rep and she resubmitted the 'investigation ' and told me it would be completed within XXXX2 business days and I would receive a message. When I did not receive a response, I followed up on XXXX to inquire about the investigation and ask for my fees to be waived and was told via secure message that there is no timeline for completion of the investigation Citi will not waive my fees. I have now waited 13 days since the initiation of the second investigation. 
Citi 's practices in this matter are fraudulent. Their CSR 's clearly confirmed my eligibility, completion of requirements and estimated date of miles being deposited. They have not stood by their word. I am especially incensed that they continue to charge me fees even though they are not completing their end of the agreement.
Trans Union is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.
I just missed one payment and CITI SEARS has called me from XXXX on XX/XX/19 SUNDAY 4 times SO FAR.
We are processing a short sale wit h Capital One.  Our first submission was   XXXX   XXXX   and we took this file over from a different short sale attorney. Their first submission was   XXXX   XXXX  . To date they have rejected our offers 3 times, indicating the needed a " higher offer. '' Our first offer was {$140000.00}, the second was {$140000.00}, and the third offer was {$150000.00}. Adding further insult to injury, each time they have rejected our offers I have specifically asked them what purchase price or net amount they need to process the short sale. Each time they have indicated they do not provide an amount of a purchase price or net required to process a short sale.     On   XXXX   XXXX   XXXX  , I spoke with our client who received a call form  Capital O  ne i ndicating they needed to list the property for sale for an additional 15 days. I contacte d Capital One  to inquire about this requirement. I spoke with  XXXX   I  asked her about request and weather we could waive it since it 's been listed for almost a year. I was transferred to  3  different people, and finally got to speak with  XXXX , our short sale rep. and ordered the appraisal with our realtor. He said the same thing they all have said. " That 's just the process. '' I informed them it 's not an appropriate way to do business. It 's not operating in good faith with our buyers. I told them I would be filing a CFPB complaint and she asked if I would like to speak with the office of the President, I said yes. She came back on the line and said  XXXX  from ethics team will assist me and hung-up on me.
On XX/XX/2018, Coinbase made an unauthorized withdrawal of {$240.00} from my XXXX XXXX XXXX checking account. The transaction listed itself as a Bitcoin ( BTC ) purchase. I did NOT request this. I also did not receive any notifications/confirmations via email or in my coinbase account. I did not receive the BTC that was supposedly purchased. 

I called Coinbase the same day and they assured me that my issue would be treated as a priority and the money returned. Nothing happened for two weeks despite multiple email requests for updates.
On XXXX XXXX 2017 I went to Wells Fargo Branch at XXXX XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX phone # XXXX and asked about getting a medallion stamp on some mortgages I intended to send to XXXX XXXX. I was told by XXXX XXXX XXXX that I needed to bring proof of ownership for the securities, as told to him by a person on the phone from his legal department. I returned the following day and XXXX XXXX again called who he said was his legal department with the proof of securities and was told that Wells Fargo does not sell mortgages. I stated that that is not the truth as Wells Fargo does issue and sell mortgages. I later asked for the name of the person on the phone and was told that I could not have it. XXXX XXXX left and returned with XXXX XXXX who identified herself as the branch manager. She said that Wells Fargo is not prepared to perform that service as they only deal wit mutual funds, bonds. Told her this is a mutual fund and she repeated that Wells Fargo is not prepared to stamp the document. Wells Fargo does advertise that they perform that service. This is domestic terrorism as they are creating haemorrhaging in the American economy and hindering trade and commerce and depriving tax payers of jobs and potential tax revenue.
XXXX CFPB Cases XXXX, XXXX, XXXX This is the FOURTH complaint. CapitalOne did not resolve this issue again, and the answer is incorrect about what happened. To clarify it : The answer given by XXXX XXXX stated : " Our records confirm, on XXXX XXXX, XXXX, you contacted us to close your savings account ending in XXXX. We confirmed that the remaining funds from your savings account of {$2200.00} were mailed to the above address on XXXX XXXX, XXXX ''. That is NOT CORRECT and to prove it I got today from a forward USPS services the check with the WRONG amount of {$110.00} with the WRONG address as well from XXXX Attached. The total stated in their answer IS NOT CORRECT! The exact amount is a total of {$2300.00}. Details XXXX - {$110.00} XXXX - {$2200.00} I did call them and they confirmed by their support ; they have made a mistake sending this check the WRONG ( old ) address. This confirmation is registered in this " XXXX XXXX '' XXXX. Now the bank is requesting me to sign an AFFIDAVIT letter? I wo n't sign it. I have bills to pay, and I 'm not PAYING it because the mess caused by them, I just want ALL my money back ... just that. When I have requested to close my account, I was there in person with my Florida driver license in hands for address confirmation, and that was handled in person by their own personal. Please, I need to keep this complaint open, since this is not addressed yet ( it 's taking months ). CapitalOne is not solving it the way it should I need the remaining balance in a check to my correct address, or I look for a lawyer to get my rights since it 's now proven you guys did send it to the wrong address.
I have disputed this account for the last year or so every month for the fact that this company can not and will not truly verify this account. I even called XXXX to speak to them and I talked to a gentleman that was even confused in why XXXX XXXX would say they have no payment history on this account. Every time I dispute it comes back verified but the only thing that changes is the " First report date and date of status '' which in this case is XXXX XXXX. I have been turned down for credit because the reason is recent delinquency. It is this account that this denial is talking about because if this account was reporting correctly it would be a few years old. The XXXX representative understands why I keep disputing it because it is not reporting correctly. I have even called XXXX XXXX which was in XXXX and XXXX XXXX, XXXX. Both times I was told that their is no payment history and when I mentioned that XXXX XXXX fails to verify and report correctly, I get the response " you paid the account so there is no payment history and we are only the collection company so we do not have a lot of information on your account ''. I asked if XXXX XXXX could remove the account off my credit report since it is not being reported correctly, and I was told a fast " NO ''. Like I said I have disputed this account monthly for the last year and I wrote two letters in the last 3 weeks. But I was told from the representative at XXXX XXXX that it wo n't change anything by writing letters. In the letters I submitted proof in what I am talking about the First report date and date of status keeps becoming the present month we are in, instead of the true date of status of payment. The XXXX Representative told me that this account was assigned to XXXX XXXX in XXXX XXXX, but on the credit reports it says XXXX XXXX.
I Open a Checking account with TD Bank XX/XX/2018 and TD Bank Frozen my account XX/XX/2018 and I got a direct Deposit form Social Security and when I spoke with TD Bank they told me I have to step in to a branch to unfreeze my account and I can't withdraw funds for the account and don't have Access to use it
I was shocked when I received my credit report and found late payments that I did not recognize. I'm not sure how this happened, I believe that my account got merged with someone else 's account. I have made my payments on time. 

Alleged Missed Payments 1. XXXX XXXX : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks. 

2. XXXX XXXX/XXXX  : I was never 120 days late. Please update to Paid as agreed, never late. 

3. XXXX/XXXX : I was never 30 days late. Please update to Paid as agreed, never late. 

4. XXXX/XXXX  : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks.
Hi my name is XXXX XXXX I am contacting you because once again XXXX XXXX 2018 experian credit bureau added a fraudulent collections account to my credit report XXXX XXXX in which it is Not mine or No knowledge of account and I have had an ongoing issue with all 3 credit bureaus that everytime I pay my balances down they add fraudulent collections items to my account to lower my credit score. Please make this company remove this fraudulent account as it doesn't belong to me nor do I have any knowledge of it as it is fraud and I want it removed from my credit reports at once. I am XXXX and this whole identity theft is taking a toll on me mentally emotionally and physically please remove this fraudulent collection account from my credit reports.
I have a debt collector on my credit report representing Capital One. I have not ever seen this account and have been disputing this charge for over 5 years. When I did call to find out what the issue is I was transferred many times and then told I would have to wait for something to be mailed to resolve this issue.
Carrington Mortgage Services LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX On XX/XX/2017 we received a counter offer from Carrington stating they needed $ XXXX net proceeds, which he said we could get from cutting commissions and fees. 

On XX/XX/2017 Buyer increased their offer and we cut fees to meet that minimum net proceeds of $ XXXX. A price addendum and matching HUD was submitted to Carrington. 

Today, XX/XX/2017, Carrington issued an approval letter that was higher than their stated minimum net. Carrington further reduced the commission and decided to keep the additional proceeds - over and above the $ XXXX net they told us the buyer needed to meet. We spoke to the negotiator who said she would take it to her manager. When the manager called back he created a whole new story about their minimum required net. 

During this call the manager made jokes that they would just foreclose on it themselves so they could assign it to their in-house re-sale real estate group and make the commission on it themselves. This is a gross conflict of interest. 

We also addressed several other issues. Carrington has broken into the home. Carrington has changed the locks. They have stolen caretaker 's personal property. Carrington has removed the Listing agent 's For-Sale signs on the property. Carrington has put one of their own for-sale signs up with their phone number ( this is a violation of state law and tortuous interference of the listing agents Listing Agreement. ) Carrington also put a login sheet in the house and a No-Trespassing Sign on the property. 

When we confronted the manger about these issues he laughed and pressed us on whether the buyer would cancel the file. If this were a true loss mitigation attempt and not an outright attempt at servicing fraud this would not likely have been his stance. 

When told we were going to file a CFPB complaint against them, the manager also laughed and said the CFPB ca n't do anything to them. 

XXXX It 's obvious Carrington intends to push this into foreclosure in order to list the property themselves with their in-house real estate group. This is the exact same thing Carrington did on another short sale we had with them - on which we also filed a CFPB complaint. We would be happy to provide to the CFPB a copy of that complaint as well. The last time Carrington did this a senior VP called and cussed us out for defending our client 's rights, while they committed gross servicing fraud.
Fifth/Third Bank recently ( XX/XX/2018 ) purchased ( unfortunately ) my mortgage from XXXX XXXX. My correct escrow balance at this time is {$1900.00}.

Fifth/ Third Bank states I have {$800.00} as my escrow balance. They have conveniently misplaced ( or stolen ) {$1100.00} from my escrow account as shown/stated in the Annual Mortgage Escrow Statement they provided me about 2 weeks ago. I have called them 4 times about this shortage, and they promise to fix, but they don't.As far as I am concerned this is fraud and larceny.
My son was covered under the State Medicaid insurance. Our local health plan did not bill them correctly and I have contacted both the state and health plan to resolve this. They're supposed to have been talking and sharing the information to get this corrected. I have told the credit management company this on several occasions. 

They just called me and started the call by asking me to verify my son 's social security number and birthday. I told them I was not comfortable sharing that information with someone who had called me. Instead of offering me their number to call back to, the woman simply told me that she'll just keep calling me and my wife until the matter is resolved.
On XX/XX/XXXX I lost my wallet and Citicard mastercard while out. I later learned that repeated fraudulent charges for an identical amount of around 200.00 were made on that card. I was not notified by Citi about the charges or the nature of the charges which should have been a red flag despite being enrolled in their protection program. I learned of the charges when requesting a new card. I disputed the charges at the same time. They were refunded to my account. 

Subsequently I have received repeated inquires from Citi regarding this dispute. In XX/XX/XXXX I  contacted the company and answered intrusive questions regarding the loss of my card and this inquiry. This is well after the 30 days that Citi has to close this matter out. 

Today, XX/XX/XXXX I received another inquiry for more personal identifying information which I will not be providing to Citi. They are well past the deadline for resolution and have crossed over into privacy based violations. I would like assistance in compelling them to close this matter out.
I have been a Capital One customer for four years and during that time, I have enjoyed my experience with Capital One immensely. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have a one late payments on the above referenced accounts from XXXX  2017. Since that time I have been an exceptional customer paying early every month Because of my exceptional payment history over the last 4 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was going through some financial struggles. I recently had a XXXX  and not to long before that I had an accident at work leaving me with medical bills that I personally had to pay due to some misunderstanding between my employers insurance. At only XXXX years of age I am only human, I am bound to make mistakes especially when it comes to finances and credit. I say that not to justify why the payment were late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that XXXX is willing to work with me on erasing these marks from my credit reports.I have been a very happy customer in the past and hope to continue a long relationship with my capital one credit card. With today 's credit industry so competitive, I know how important it is to maintain good relationships with customers. Capital one has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Capital One is heads above the rest. I look forward to your reply.

Sincerely, XXXX XXXX
I have been notified in the month of XXXX 2018, that my personal info had been hacked on the XXXX website. I recieved a notice via mail about the hack. Then I was told to put a freeze on my person Reports. Which I did immediately!!! Still I have contiued to recieve hundreds Robo callers weekly for years now. I have recieved caller 's where the Robo caller 's called on one phone line then. I recievd another call just minutes apart from the other call, threatening and saying, " You owe the IRS a lot of debt, '' and, added that, " They were the IRS and that they were gong to take me to court and sue me ''! I was a bit shaken, I recieved a call simular to this last year and ran to my CPA! This time i could tell that It wasn't a real voice. I did get very upset, to the point to where I have decied to fight back now! It has to stop! It's like a bully of some sort. Well I am not going to take this anymore!!! These thieves have taken control of my XXXX XXXX, all of my social media sites that I was with, they have even gotton into my XXXX account and all of my records, I am extremely concerned that this has all gotten so out of hand? Below I am discribing what has happened recently to my bank account. 

I went to my bank. While at the outside window, I notice somethnig odd. This company called XXXX, which is a singing APP that I used to use on my cell phone.. I notice the amount of {$39.00} had been debited on my card. I knew I hadn't done this??? I could see the problem so i went into the bank to investigate this problem. I ask the Banking Rep to please give me a reciept of this transaction. I called over the phone to XXXX who said they could see the charge, and that they be opening an investigation. I also talked to the XXXX Rep and she said that she would be reporting this to the Investigation team of XXXX. She said it will take some time to complete. 
These hackers have taken over everything in my life. i am very discusted and fear for my personal safety. I do not want to go any where alone without my husband. I have put freezes on my account and still they manage to hack in some how. I have put up cameras, so much to protect myself and my family. It's a nightmare to have to live like this on a daily basis. I need your help. Thanks in advance. 

I also recieved a call from XXXX and I was told that someone had compromised my XXXX, and XXXX Account and to report this. The gentleman told me to report this to every one, and put the word out! 

Can someone please help me to stop this huge anoying problem. Urgent!!! Everyone, Seniors please, be aware of this IRS scam!!! It's not real it is fake. It is ment to scare you out of your money!!! Call and report this crime to the local police right away! Don't be a victim!
I have been disputing for over a year with GM Financial about an account that they have as charged off whenever the vehicle loan was paid off by insurance in XX/XX/2015 for a wreck.
I made transactions with Regions bank initially involving XXXX. Suddenly I was processed with international fees. This is banking fraud because I didn't authorize by debit card for these transactions but my information was passed along to the consumer groups. This is agreed upon an extra payment fee due to the Regions terms of service agreement that I disclosed when I opened my account initially. 

My money was sent to XXXX, XXXX, and XXXX but I never received my product, goods, nor service. Why are adults allowed to take my money and prosecute myself for misdemeanors but I never receive a docket number for my case. An open dispute resolution was actively closed by a bank teller when my account became negative in funds. 

I was a victim of a violent shooting in college and never received my diploma because I didn't get to graduate. This is not fair because I am an adult and can not earn fair wages. I keep paying my money and my debt to society but I am treated unfairly. 

If I knew that Regions was going to waste my money then I never would have done any of this! This is very frustrating. 

I am still being charged ATM fees, and monthly service fees, but I can not access any more cash! There should be a communication at least when my account is escalated to include extra fees. Or if there is a delay in my transaction then the consumer response should include a third party or myself directly. Either by telephone, email, or fax.