WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX, our that was made out to the XXXX XXXX XXXX XXXX was cashed for {$4500.00} by an unknown person. In XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX stating that my property taxes are delinquent. I notified them by email, phone call, and faxed them immediately with a copy of my cleared checks. After several attempts to reach them, a rep of the XXXX XXXX XXXX XXXX, notifies me that the county places their stamp upon cashing the check. One check had the county stamp ( cleared by the county ) while the the other check had a handwritten signature on the back of the check ( altered by an unknown person and negotiated by Wells Fargo ). 
XXXX XXXX informs me to notify my bank to fill out an affidavit of forgery. I did this with our bank, XXXX XXXX XXXX XXXX. On XX/XX/XXXX, we received a provisional credit of {$4500.00}. On XX/XX/XXXX I made an electronic transfer of {$4500.00} to pay the property taxes. 
Unfortunately, we were notified that Wells Fargo is contesting the credit because the altered check was not reported until months later. This was because I didnt receive the delinquent letter from the XXXX XXXX XXXX XXXX until XX/XX/XXXX. When I check my bank statements, I check to make sure my checks are cleared, NOT who endorsed it. It was very negligent on Wells Fargo to negotiate the check when it was CLEARLY altered and was not even questioned by a manager. This raises a red flag about Wells Fargos practices and transactions. The XXXX XXXX XXXX XXXX is a major government agency. It is very suspicious to have a person put her name after XXXX XXXX XXXX XXXX on the checkline. 
We are asking for permanent retribution for this case and monetary compensation. We have spent countless hours communicating to the XXXX XXXX  to clear our delinquent property taxes, communicating with police, Wells Fargo bank, and our XXXX XXXX XXXX XXXX XXXX. In addition, our money was stolen for five months by another person who fraudulently endorsed and cashed our check, which was astonishingly accepted by Wells Fargo Bank. That should count as interest towards us. We have filed a police report, filed an affidavit of forgery, contacted the XXXX XXXX XXXX XXXX several times to waive the interest because of the delinquent taxes, addressed the foreclosure letter from our bank due to delinquent taxes, and complied with all requests to clear this matter. In the long run, we have been emotionally drained by this case. We are not the criminals, but actually the victims of this forgery. Nonetheless, someone got away with stealing our funds and yet we are being punished for it. We are asking for what is ours and for this case to be closed. 
Please see the evidence from the XXXX XXXX  clearing our case as well as the altered and non-altered checks made out to the county. We prefer to avoid any negative publicity towards Wells Fargo. We want retribution and monetary compensation for this ordeal. You can contact us below either by phone or email. 

Thank you.
Previously filed matter with XXXX. 

XXXX sold faulty product to dealership and ultimately fell on consumer. 

Matter was shared with lender, yet they disregarded matter entirely. 

Arrangement that lender, consumer and dealership made was for working vehicle with limited warranty, yet vehicle was sold defective unknown to lender, consumer and dealership. 

Mater was brought before lender through XXXX vs XXXX XXXX XXXX. 

Extended Warranty was offered, however consumer elected to have vehicle repurchased through recall via XXXX vs XXXX and XXXX did not want to recall vehicle. 

XXXX negligence, as well as lender disregard placed undue burden on consumer. 

Consumer reached out to lender to make arrangements while XXXX recalled vehicle, yet they declined. XXXX further had no remedies for consumers effected, except to provide them an extended warranty on vehicle. 

Vehicle shows noted signs of defect while driving. 

Please see XXXX Warranty Act as XXXX sold faulty vehicle to dealerships and Missouri does not cover under lemon law used vehicles, consumer stuck with damage of credit, extra repairs and registration costs even though vehicle was supposed to be recalled ( XXXX offered to repurchase vehicle, provide cash payment or pay for damages ).
We joined XXXX because the sale pitch they gave us was all about how we could come into the store to make purchases and receive help from their professional staff. We were told how XXXX was a long standing company in the community and they were n't going anywhere.. Well, to our surprise a few months after joining the store closed down and XXXX was gone. We had ordered kitchen cabinets, and other items, and there was no one, or any system set up to take over the service when they closed down. Several months went by and we had n't heard anything about our outstanding orders. that had been paid for. After maybe four or five months I went through the XXXX account that I used to pay of my order and was able to track down my kitchen cabinets. They had been in a warehouse in XXXX, TX for months. We have other orders that we paid for that we never received. We were contacted by someone that explained to use vendors we would have to contact them and they would get us into see someone within two weeks or so. When we signed up originally I could simply call the store and they would give me a contact for the vendors. I would call that person and had immediate access to the service I need. This is what we signed up for ; the way I had to access vendors after the store closed was not useful. We were promised a service that we did not receive, and had no access to. We were paying out and getting nothing in return. Therefore we feel that XXXX broke the contract and we should not have to pay for unreceived services. XXXX is the company XXXX used to finance the membership.
I have been attempting to improve my credit score. I have been monitoring my credit report via Experian. I ordered my credit report and observed that it contained some errors. I wrote the attached letter to Experian and asked them to take corrective measures. I cited each entry that I felt should be removed and also cited the points of authority that justified such action. 

I read the Fair Credit Reporting Act as well as the clarifying letter form the Federal Trade Commission. The letter from the FTC said " The commencement of the delinquency that led to the action '' I took that to mean when the first late or default on the obligation occurred. That is when the seven year clock on reporting begins/
I have been working on a modification with Bank of America since about XX/XX/XXXX. The loan was originally with XXXX XXXX and then transferred to Bank of America in XX/XX/XXXX. I had to go on XXXX due to an injury to my XXXX and lost my income. I am divorced so I only had my income at the time with sporadic child support payments. My loan was originally {$57000.00}. At the time I was unable tomake my payments, the loan was approximately {$35000.00} and I was paying a rate of over 10 %. 
The issue has been that I have been submitting paperwork time after time since XX/XX/XXXX! I was then denied because they said I did not have a complete file. It was a non-ending situation sending documents time and time again and the bank saying they were not receiving my paperwork. I feel like they were doing it on purpose. I have not given up because this has been my home since XX/XX/XXXX! 
Then when I was able to make a few payments, I was advised that the bank would not accept them. Then in XX/XX/XXXX they accepted a few payments, so I thought my loan was going to be modified only to find out the bank would not take any more payments and now I am over {$30000.00} in arrears. 
I again submitted more documents in XX/XX/XXXX at the beginning of the year and I was advised most recently that a modification was denied because I had too much income! I do n't believe that the underwriters reviewed it properly nor did the bank representatives properly advise exactly what was needed. My father who is now living with me, contributes to the household, but they took his whole income, which is not the case, he contributes as I mentioned to the representative a portion as he also needs part of his income for own purposes. 
This situation has been very XXXX and caused more health issues since the inception. I now owe over {$65000.00} per the bank representative and it is very disconcerting since my loan was originally {$57000.00} when I purchased it and was down to {$35000.00}. I feel like the bank has put me in this situation by waiting over 5 years to assist me with a modification and I am still waiting and now being told I have to reapply!!! When I asked for the original note, they could not find it. I also asked for a copy the balance and payments applied to my account when it was transferred from XXXX XXXX and they could not tell me since they said they do n't have the note. So how can I trust what they are saying or how much I really owe. When I call some agents say that I owe {$35000.00} and that is what I need to pay it off, and again must recently I was told that I owe over {$65000.00}. 
I do not want to lose my house over the bank 's refusal to properly review my documents and constantly losing my paperwork. I urge you to assist me in not losing my home as I was told there was a trustee sale date which I had no idea since I was in the process of the modification. I was told that this was in violation of the Homeowners ' Bill of Rights. As they are trying to foreclose while I am in a workout process. It seems that the bank is violating a lot of guidelines.
They continue to call and answer telling them that I am willing to work with them and that they try to get unnecessary information out of me that is not needed for me releated to my issue. I have medical issue going on and have had a reduce income to It and have fallen behind in everything. Everyone else has worked with me except For XXXX XXXX and allied interstate who hassle me until it is unnecessary and they call 18 times a day and not willing listen to what I am willing to with them at and i am just tired of being called On Sunday 18 times and all times of the mornin and night and needed personal informations that they do n't have any business in as credit card company, I just need help on what I can do to have a clear understanding of working with allied interstate and I have been blocking all there numbers coming in when I find out it is them because they do n't want to listen to what I am willing to work with them at they want to do there own thing when every they want.
I have been issued a CITI/AAdvantage platinum Select Master card that I did not apply for.
I have a credit card with Wells Fargo that has a zero interest rate. There are 4 promo balances on it. The zero interest rates on the promo balances begin expiring on XX/XX/XXXX. I will have sufficient cash, over the next few months to pay these off ( if Wells Fargo applies them appropriately ie applies the minimum payment first, and then applies the excess payment to the FIRST expiring promo balance, and so on. 

I have contacted Wells Fargo, via email, and each reply simply restates the previous " we apply Minimum Payment first to lower APR balances ( Purchases ) before balances with higher APRs ( Cash Advances ). Payments made in excess of Minimum Payment will be applied to balances with higher APRs first before balances with lower ones. '' Note : I have never made a purchase on this card. There are only the four promo balances. Wells Fargo did note in their reply that my APR will jump, after the expiration dates of the promo balances, to 18.15 % for Purchases! This is very convenient, as you will note below, that they have refused to allocate my excess payments to the first expiring promo balance, but rather do some kind of broad allocation - 33 % to the first balance / 31 % to the second / 14 % to the third and 21 % to the fourth. I do n't mind them allocating the minimum payment however they wish, but if I pay an extra amount of {$1000.00}, and I want it to be paid to the first expiring balance, I should be permitted to choose this option. 

Their most recent reply - again - the third time in 6 weeks - was ... '' Payments made in excess of the Minimum Payment will be applied to balances with higher APRs first before balances with lower ones. Because your balance consists of four promotional balances of 0 %, each balance will receive a portion of the payment. '' In my most recent communication with them, I offered to call in each time I make an extra payment and indicate that the first balance should be reduced by the payment etc. I have four balances - first one expires XX/XX/XXXX, second one expires XX/XX/XXXX, third one expires XX/XX/XXXX and fourth XX/XX/XXXX. The total I intend to pay between now and XX/XX/XXXX ( excluding minimums ) is about {$11000.00} and will more than adequately pay off the first two balances, if Wells Fargo allocates the payments correctly. 

I have a XXXX XXXX credit card and have promo balances ( 0 % ) on that card. XXXX XXXX does what Wells Fargo will not, they allocate anything in excess of a minimum payment to my first expiring promo balance. I fail to understand the difference. It also seems to me that this Wells Fargo matter is covered under your CFR Section 12 CFR 1026.53 regarding Allocation of Payments - am I correct? 

I would appreciate your assistance with this matter or any further information that you can offer me.
Dear sir/maam, I paid my Navy Federal Credit Union credit card account ending in XXXX in full by settlement that Navy Federal Credit Union offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that Navy Federal Credit Union Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that Navy Federal Credit Union, XXXX, XXXX, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against Navy Federal Credit Union. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
I have been disputing incorrect information on equifax credit report. I have submitted letters and proof that these XXXX accounts showing as potentially negative should be showing as satisfactory. I keep getting letters from equifax that I have to be specific with my concerns and providing account names and nature of dispute. Equifax is just disregarding my dispute as I have sent them numerous times letters I received from the creditors stating the accounts should be showing as satisfactory Paid and paying as agreed. Equifax is reporting incorrect information which is affecting my score and obtaining credit.
Trans Union is not responding to any of my numerous requests to investigate, verify and remove some accounts from my credit file that do not belong to me.
Regarding Citi-bank : On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his passing. An auto-pay continued to draft {$270.00} from XXXX XXXX to Citi-bank. I notified Citi-bank of this post-mortem auto-pay, and they have not canceled / refunded it. I then contacted an Account Manager and emailed him a record of the XXXX auto-payment to Citi-Bank, and nothing as been remedied yet. Regarding XXXX XXXX ( XXXX, NJ Branch ) On XX/XX/XXXX, my father ( the account owner ) XXXX. On XX/XX/XXXX I notified the bank of his XXXX, settled his $ XXXX total negative balance, bringing it to XXXX, requested to close the account. The account was not closed. Instead, the bank closed my mother 's savings account, which she was receiving her Social Security check direct deposited. Neither bank seems willing to help remedy this situation, and XXXX XXXX continues to charge {$35.00} insufficient fund fees, as well as keeping the account open, due to the new negative balance.
CCI - Contract Callers Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. ( XXXX ) XXXX XXXX : XXXX XXXX me a collection letter on a debt that does n't exist. I phoned the original account holder XXXX XXXX and verified there was no debt. The account was clear with all on time payments. CCI is trying to collect money fraudulently by obtaining account numbers and posing as if there is an active debt. Once I contacted CCI they must " check the validity of the debt '' and will not send any correspondence regarding their invalid fraudulent claim/debt on the account. This business practice is unethical and needs to be addressed and investigated by the governing bureau.
For almost a year Experian has not fixed a problem with me accessing my credit report. I have submitted severl complaints to them about this issue. Nothing still has been done and it is adversly affecting my credit.
A company called Equitable Acceptance is charging me {$39.00} a month to consolidate my student loans through XXXX. I was contacted by a company called XXXX in 2015 that told me they could consolidate my student loans. In order for them to complete the process I had to pay a monthly fee of {$39.00}. I filled out a income-based student loan form that I downloaded from XXXX and submitted. I was then contacted by XXXX, to confirm I wanted to apply for a income-based student loan program. For the past year I have been paying {$39.00} a month to a company called Equitable Acceptance, and I was under the impression that in order to get the income based payment, I had to continue to pay Equitable Acceptance. When it became time to renew my income-based program, Navient contacted me and asked if I wanted to reapply for the program, I told Navient that I was told by Student Advocates that the {$39.00} a month fee that I am paying, will automatically keep me in the income-based program. XXXX explained to me that XXXX and Equitable Acceptance are both scams and have nothing to do with the Department of Education or Student Loans.
I have been disputing with credit reporting agencies of XXXX XXXX XXXX account for the amounts of XXXX and XXXX. I 've been a victim of fraud for about 10 years and every year, I am fighting battle of accounts that not mine. XXXX and the credit reporting agencies refusing to show me my signed signature opening an account or proof of my identity opening this account.
My direct XXXX and XXXX federal student loan was consolidated without my consent on XXXX/XXXX/XXXX. I never request the loan to be consolidated. My studentloans.gov account has no documentation of a loan consolidation on that date. My loans were not in repayment on that date as I graduated on XXXX XXXX so I would not have requested a consolidation 4 months after graduating. I have tried to talk to the servicer that I never requested the consolidation but they insist I did that is why my loan was sent over to navient. I was told that my loan was being serviced by Navient but with no reason. I need this situation fixed.
I enrolled in a debt rehabilitation program after my student loans had gone into deferment. While I was completing the program, there were multiple reports submitted that the accounts were delinquent. When I inquired with the company, they said it would look this way and be reported as delinquent until I completed the program. They informed me once I completed, I would have a new company servicing repayment, and that the delinquent accounts would no longer be reported as such, and all the reported delinquencies would be changed and no longer negatively impact my credit score. I completed the program in XX/XX/XXXX, I was rolled over to a new loan services and have been with them ever since making payments on all my loans. The company informed me they would make changes to my credit report in 45 days. In XX/XX/XXXX, I followed up with the company and they said it should be processed at anytime, just keep waiting. In XX/XX/XXXX, they still had not made the changes to my credit report regarding the rehabilitated debt and that I was in good standing. When I called and requested for it to be done a third time, they said it would be expedited and submitted in two weeks. It is now the middle of XX/XX/XXXX and there has been no adjustments made.
I have a Total Rewards credit card thru XXXX XXXX. For several years I had a monthly payment to XXXX / XXXX XXXX local newspaper debited to my credit card. I have tried to cancel this paper since XX/XX/2017 by many avenues ... .left messages / message online to the CS / Messages to " contact us '' / Called directly & held on phone over 30 minutes with no one ever answering ... .just a revolving message to hold. I have disputed the monthly charges every month with my card issuer. Have messaged on the XXXX web page ... back & forth dozens of times & been told they would close card & reissue new one that the company can not debit ... .this was done twice & did not help ... ..the card issuer just transferred the debit to the new card number! Then a CS person would say changing cards does not help ... ..why do I get multiple answers from their CS dept .no one seems to know anything. The monthly charge was {$22.00} but went up to {$23.00} .... The most recent CSR said pay the full bill ( as I do each month ) less the amount I was disputing ... ..Bill showed {$260.00} .with a disputed {$23.00} amount ... so I paid {$230.00}. NOW they claim I owe the {$23.00} & also a {$22.00} ... .which was not on the last statement. Just received a message saying they have closed my account but the balance is {$45.00}!!! Said it will be reported to the 3 major credit bureaus ... ..I have excellent credit & will contact an attorney if someone can not protect my interests!!
I recently accessed my credit reports as i have been experiencing suspicious calls regarding accounts that I have not applied for and found this account that does not belong to me Since 2012 accounts have been opened fraudulently using my social security card and driving license which were compromised in 2012.
The ATM user ( me ) requests a needed withdrawal of {$200.00} and agrees to the terminal fee of {$3.00} for the withdrawal. The ATM machine dispenses AGAINST MY WILL only a portion, for this instance only {$20.00} as " was able '' by the ATM. I was NOT GIVEN A CHOICE TO OPT OUT - the ATM spit out the {$20.00} bill and closed the transaction. {$23.00} for a {$20.00} withdrawal. I fell victim to a charge of 16.25 % charge for this withdrawal. 

Should'nt I have been alerted by this ATM that the {$200.00} was unavailable and given an opt-out alternative prior to the dispense of funds? 

This happens all of the time to millions of ATM customers.
Good Evening - I was going through my credit report and noticed a collection from Diversified Adjustment Services, and when i called them they mentioned that it was a {$130.00} bill from XXXX phone. I honestly don't recall ever had a relationship with XXXX and consider it was a small amount I went ahead and paid it off. However, as I was looking through my credit, I see major discrepancies on the way this particular collections account is reporting on my credit report. Also, I have never received any written notification about this debt and I never had any time of relationship with his company. I honestly paid this account under duress and would like it to be truly investigated and removed from my credit file. One credit bureau shows {$0.00} balance and the other shows {$130.00}, and when I call they mentioned {$100.00} ... .So what is it?