WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX credit card accounts with Wells Fargo. I accidentally paid off the wrongcard and now they have charged me the accrued interest on the only remainingcard. I mixed them up and paid off the card that was n't due until XXXX and thecard due in XX/XX/XXXX has been charged over {$900.00} in interest. Both the other cards were paid off. I did not have any late payments, all monthly payments on all XXXXcards were paid on time previously and I have excellent credit. This was a terrible oversight as I have XXXX serious illnesses and I am on XXXX. I have sent them a letter by a fax XXXX times and they have not responded. I can pay off the entire balance due ( minus the deferred interest ). 
I have no money otherwise for this deferred interest as I am on a strict budgetfrom XXXX. This was a terrible mistake and I am begging someone to helpme with this.
I got a loan through XXXX XXXX XXXX for a new bike spring of XX/XX/2017 the out the door cost was {$25000.00} they told me the interest was 7 % later on it changed to 19 % and at the end of the loan I would be paying over {$40000.00} for the bike Ive made my payments for the past year which where {$670.00} a month Ive asked XXXX to lower my interest rate because I previously had a bike through them that I payed off completely they refused I feel they put me in a loan that is outrageous and is made to put people in default and should not be allowed to write loans like that for motorcycles and I would like help getting my interest rate and loan amount lowered please
There is an account on my credit report listed as XXXX XXXX with a balance of {XXXX} that I have never had/nor opened an account with at any time.
unable to monitor my credit report. tried to sign up with complete premier product ca n't sign up. error in there system will not fix it. tried numerous times. but since I have been a victim of identity theft they do n't care. and wo n't fix the error. some one can access my credit but I ca n't monitor it.
Original creditor, which is XXXX, turned unresponsible debt over to XXXX XXXX XXXX, in which sold the debt to, now Gerald E. Moore and associates, who are now threatening to take me to court in 30 days and they told me to get a lawyer to represent me. I already have a case being looked at by you. That case number is XXXX regarding XXXX and XXXX regarding XXXX, who they first turned it over to.
American Credit Acceptance XXXX, SC XXXX On XX/XX/XXXX I received from American Credit Acceptance an Account Summary stating No Payment is Due Until XX/XX/XXXX. 

In a letter dated XX/XX/XXXX I received a letter stating I Owe {$800.00} for Late Payments. 

I have the Account Summary in writing stating No Payment Was Due until XX/XX/XXXX. 

The letter dated XX/XX/XXXX said if payment for full Amount of {$800.00} is not received by XX/XX/XXXX They plan on repossessing the car. 

I want an investigation into American Credit Acceptance For Criminal Investigation for Fraud. I purchased this Car paying XXXX. {$2000.00} down in Cash. 

Waiting for your reply. 

XXXX
On or around XX/XX/XXXX I submitted a dispute with ChexSystems in regards to some misleading information on my ChexSystems report. After about 45 days, I never received a response in regards to my dispute.
I called them a couple of time and tried to pay a debt they said i owe them for lab corp but they told me they could not help me removing it off my credit report that they only do it for specific clients. I just want to pay the the money they say i owe and get them off my credit report and them to leave me alone
Wells Fargo is in violation of The Fair Lending practices as per Massachusetts statutes, as well as in violation of unfair, deceptive, and predatory Federal lending practices. My car was repossessed without notification and or any explanation of this repossession. Wells Fargo has not answered any questions as to why this happened and have changed their story numerous times. I have had no help in understanding this process and why it has happened. The only response I receive is that they can not help me, and then they transfer me to someone else resulting in more responses of not being able to help me. I have only been transferred to Wells Fargo branches and even the Office of the President who was unable to help me understand anything. They then continued to tell me it is out of their hands and I need to contact the XXXX XXXX XXXX. I received their number and it turned out to be another Wells Fargo branch who could not help me once again. I was told from the beginning three different stories. The first story was that my account number was wrong, then I was told that my account could not be located. I informed them that I used my debit card to make the payments and then they changed their story and said that there was insufficient funds in my account and that the payment was reversed and sent back to me. I then asked what that meant, and was then told that Wells Fargo sends the request for the payment to my bank and then my bank ( XXXX ) either gives them the money or says I do not have those funds available. I went into XXXX at that time after hearing this from Wells Fargo and asked if they could track if Wells Fargo tried to take the money out. The representative told me that Wells Fargo never targeted the account and no payment was debited or reversed. I reported this information to the Office of the President of Wells Fargo who proceeded to change their story once again and told me that I must have inputted the wrong debit card information. After attempting to resolve this problem for over two weeks, I have nothing but unanswered questions. I have numerous emails to Wells Fargo asking them for assistance dated back to XXXX and I never once received an email back until, coincidentally, after they repossessed my car and I brought it to their attention of all the times I tried to contact Wells Fargo, I received an email XXXX XXXX saying that all my previous emails were received. I also received an email on XXXX XXXX saying they would debit my account from the online payment I made on XXXX XXXX. I asked Wells Fargo why I received that email if my payments never went through, and their response was " Well we just send those out ''. I never received any notification of a payment being reversed. I have not received any straight answers, only multiple different stories and no assistance from anyone. 
Please find the following supporting documents attached : Emails reflecting payments Emails reflecting confirmation of payments made
On XX/XX/XXXX, we signed a contract for two bathroom renovations through XXXX  XXXX of XXXX for an agreed upon price. We were told by the salesperson that the price quoted for the bathrooms " included everything '' and there was nothing else to pay. This signed contract also states " subject to management approval '' as we live in a co-op. On this same day, the XXXX XXXX salesperson set up the financing for us through XXXX XXXX XXXX/an affiliate of XXXX XXXX XXXX of Georgia. 

About a week later, XXXX XXXX charged approximately {$13000.00} to our Green Sky account after ordering the products for the renovation PRIOR TO receiving approval from our co-op management group. 

Two and a half months later, XXXX XXXX contacted us to advise that the plumbing required by our co-op will raise the price of each bathroom {$5000.00} each ( {$10000.00} ), which they can reduce to {$7000.00}. We advised him we were not in a position to do this. 
We have no bathroom renovations and consider all of XXXX XXXX XXXX actions to be a breach of contract at this point, so we looked to Green Sky to help us. When we called Green Sky and spoke to XXXX XXXX in Customer Service, he assured us that Green Sky advocated for us and referred the matter to the " special agent '' for XXXX XXXX, XXXX XXXX who, instead of viewing this matter as a vendor breach of contract, decided that it was a " cancellation because it took too long. '' XXXX and Green Sky have shown clear bias as evidenced by a sentence in her email to XXXX XXXX representatives, stating " I am hoping that once the customer sees the amount responsible for [ cancelling ] that the customer will change their mind and move forward with the project '' and to us, stated " the merchant has the right to seek relief for any expenses incurred as a result of this cancellation not taking place in the required time frame ( 3 days ). The merchant could request that the contractual agreement is fully upheld and enforced. '' This contract should be considered null and void based on these issues : XXXX XXXX of XXXX breached the contract by ordering products prior to getting management approval. 
XXXX XXXX raised the price after contracts were signed, boxing us in a corner ; and Fraudulent billing - XXXX, on behalf of XXXX XXXX, just emailed us a bill purportedly from XXXX XXXX for " custom ordered merchandise. '' The bill of {$1600.00} ( "  Measure - {$200.00}, Drawings - {$650.00}, Materials - {$800.00} ) is dated XX/XX/XXXX and is on the letterhead of XXXX XXXX XXXX XXXX certainly no one we signed a contract with. To the best of my knowledge, XXXX XXXX XXXX does not have a business relationship with XXXX XXXX XXXX XXXX to finance their jobs. 
This is all sounding like a scam we have already alerted the Better Business Bureau of New York and now appeal to you for assistance. We 've attached our contracts with XXXX XXXX ( dated XX/XX/XXXX ), e-mails with XXXX XXXX XXXX and bill from XXXX XXXX XXXX XXXX. 

Thank you, XXXX XXXX XXXX and XXXX XXXX
This collection company updated an account I do not agree with as Date of last activity XXXX. This is such inaccurate information. I have requested and disputed this several times, what evidence does this company has to verify this belongs to me, my signature allowing such charges and date and what this is even for. Date open states XXXX and XXXX states XXXX. I have not been to the doctors or hospital XX/XX/XXXX so this is inaccurate and I want this removed
chase employees are awful, rude and incompetent. me and my wife just spent over 4 weeks and it feels like XXXX hours of our time being transferred around and lied to. i do n't think many of there employees even where paying any attention to what i was saying it was a waste of my time and theres. The where just wanting in till it was time to go home. MY request was a simple information request about a check that we did not get. At any other company this take at the most a XXXX minutes. what did work was calling the CEO number XXXX XXXX XXXX. They will try to transfer you to a call center where the employees are again awful, rude and incompetent. Do not let them transfer you. Demand that the person that answer the phone updates you about the status of you case. the will lie to you and hang up on or put you hold. you may have to call a couple of times. this is the only thing that works. only till this CEO number is tied up will any of the departments help you. its sad i had to do that but no one else will help unless the people that answer this number time is taken up. my time is just as important as there. the should improve there customer service if the do n't what people calling the CEO number. Again do not let them transfer you. make the person who answer the phone get involved. also other numbers i got are XXXX at XXXX XXXX XXXX she is 1st level manger who helped me after 8 days. also call XXXX XXXX at XXXX XXXX XXXX he is at security and tell him you want him to get involved because there customer service is so poor. The government should break this bank up. my wife is XXXX and i am Veteran XXXX who works nights to help to pay for my wife 's school XXXX. if any of these employees got this level of customer service from me or wife it would be criminal. they should feel ashamed. we deserve better customer service.
Hi, I do not remember for applying Credit from following 1st and 2nd company. 
I request you to pls remove off from my credit report. 
1 ) XXXX XXXX XXXX : Inquiry Date : XXXX XXXX National Credit card Cos. 

2 ) Discover Bank Inquiry Date : XXXX XXXX & XXXX National Credit card Cos. 


and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XXXX XXXX Telephone Companies
I refinanced a group of 5 loans from XXXX XXXX to Lendkey. I provided a 30 day payoff amount. Within that time, I had a payment due, plus the loan went through quickly so the group of 5 loans were overpaid by {$160.00}. XXXX XXXX say that they sent a payment back to the payer on XX/XX/XXXX. That {$160.00} should be applied to my loan, since that is part of what is financed and what I am paying interest on. However, Lendkey did not apply that {$160.00} refund to my loan. From my perspective it simply disappeared. I refinanced a group of 5 loans. They were overpaid by {$160.00}. A refund was sent back to Lendkey and should be applied back to my new loan. No {$160.00} has been seen since it left XXXX XXXX. 
The attached documents show the old statement from XXXX, the new statement from XXXX after the refinance, and the new statement from Lendkey. Either XXXX did not send the refund or Lendkey is pocketing the refund money and hoping I won't notice.
I am asking Wells Fargo to forgive my loan do to my special circumstance and I explain my Situation numerous times sadly it seams like I am talking g to a bear wall Wells Fargo keep sending me this laym document and totally ignore the fact that my husband is XXXX XXXX and XXXX is not good and if he dies I will hold Wells Fargo responsible I am not asking anything unusual my husband was laid off from his work itt which they closed and following after do to the XXXX he has lots of health issues and worrying about having or not having home is a main trigger to his health issues with this new president I am very scared please Help me not toy me around.
I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
On XXXX XXXX XXXX I paid off my Chase credit card in full and closed it out I never received a bill afterwards for the day or two days that interest had occurred which came to {$7.00} my credit score went down 62 points because that {$7.00} was n't paid. Chase reported at that it was a late payment more than 30 days on my credit card I had no idea that that interest had occurred due to the fact that I closed out the account I never received a paper bill they said they sent me an email but it must have went into my spam. I called Chase and ask them to reverse it being so I was trying to get my credit score up and just cause my credit score to go down 62 points and they refused to help me
Nelnet has a auto-payment option that is not favorable to borrowers repaying loans. This auto-payment option, if you have prepaid your loans or if you are paying more than the minimum, distributes your payments to favor paying off lower interest loans instead of higher interest loans that will ultimately cost the borrowers more money in interest. I have aske d NelNet 's customer support multiple times to favor paying off the high interest loan when I have overpaid and when I have prepaid. However, NelNet has never honored my requests. NelNet has instead continued to distribute my auto-payments to favor my lower interest loans, thus forcing me to pay more in interest on my higher interest loans. Anyone with basic math skills could tell you that paying off your higher interest loans first is better for the borrower, so it is really confusing to me why NelNet  continues to favor paying off lower interest loans.
I have recently reviewed a copy of my personal credit reports ( XXXX, Experian and XXXX ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. 

I had a credit card account with XXXX XXXX, that unfortunately went into default due to a financial hardship in XXXX. I called on XX/XX/XXXX to XXXX XXXX -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that XXXX XXXX just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the XXXX XXXX and they are no longer collecting the balance. 

I verified my tax records and I received a XXXX Cancellation of Debt from XXXX XXXX, and subsequently had to pay the IRS the income tax due on the cancelled debt that XXXX XXXX reported. 

I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but XXXX is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and XXXX are reporting a Balance on the account. 

I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

XXXX : XXXX, XXXX, XXXX XXXX XXXX, XXXX BR XXXX, XXXX ( Bankr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( A ), 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. XXXX XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at XXXX. 

I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.
I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section 609,623,809 i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to XXXX  disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX XXXX XXXX1 4. XX/XX/XXXX Debt validation letter sent to XXXX XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX dispute letter to XXXX amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to XXXX 7. XXXX XXXX
XXXX XXXXs failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXXs failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
This account is not being reported on my Experian & XXXX credit reports and it 's affecting my credit.
On XXXX18 my wife noticed a charge for {$1500.00} on our Chase credit card for a purchase from XXXX & XXXX XXXX. We had not placed the order, so we called Chase to inform them and cancel our cards. The purchase had been made on XX/XX/XXXX but did not post in our online account until XX/XX/XXXX, when my wife caught it. 

We still had possession of both credit cards, so whoever stole the information got it digitally. They also had my name and billing address, etc. 

Later, when Chase called to tell us we were going to be held liable for the charges ( we had assumed they'd cancelled the order when we filed the claim ) I found the order confirmation and shipping information in a junk email account I no longer use. 

The reason I no longer used the account was that on XX/XX/XXXX, my inbox immediately filled with hundreds and hundreds of junk email subscription confirmations. My phone and computer wouldn't stop *ding*ing with incoming junk mail. So I jettisoned the account, assuming it was some sort of prank. Turns out they used it to cover up the XXXX XXXX XXXX Order information that was ALSO sent to the inbox at the same time. 

I filed a dispute with Chase, explaining this to them. 
They just called to tell me that " the merchant provided sufficient evidence that the charges were not fraudulent. '' Because someone had signed for the shipment with my name. ie, accusing me of trying to defraud THEM by making a fraudulent fraud claim. 

Nuts. Context : I'm XXXX XXXX XXXX with a XXXX XXXX  clearance. If I commit fraud, I can no longer have my job. WHY WOULD I RISK MY ENTIRE CAREER FOR A CAMERA? 

I just found the shipping information for the package : The camera was NOT EVEN SHIPPED TO MY HOUSE, but to a XXXX in a different neighborhood. Someone signed for the delivery using my name, but I haven't been able to see the " signature '' they used. 

Chase, during their " investigation '' ostensibly saw that the shipping address was changed AFTER the order was made, somehow, and the camera was delivered to a XXXX XXXX. 

Yet they are trying to hold me liable here. 

We filed the fraud claim the day the charge posted. 
The camera was not even delivered, by anyone 's account, TO ME. 
My wife and I both still had PHYSICAL POSSESSION of our cards. 

And yet they are telling me I still owe them {$1500.00}.