WillisBack/dataset-financial-user-claim huggingface dataset:
Wells Fargo denied my request for modification in XXXX claiming I had exceeded my limit which I explained was untrue. I ended up filing Ch. XXXX because of their unwillingness to help. After filing for Ch. XXXX, in XXXX per my attorney 's instruction, I submitted another request for modification which was then approved but due to some communication breach between my attorney and Wells Fargo, the  modification began with a 3 month delinquency already on the account. My current XXXX request for modification was denied on the grounds that I have exceeded my limit, the same excuse given me in XXXX and that the previous modification was delinquent even though it was that way prior to my signing modification paperwork. I 'm not asking for an adjustment in payment, only for assistance with the arrearage which has bloomed due to a combination of fraudulent practices during the last modification, personal financial hardship, Wells Fargo 's refusal to accept payments from me and demanding all arrearage instead and many attorney fees added by Wells Fargo.
On XX/XX/XXXX I entered into a mortgage agreement with your company for the residence in XXXX XXXX, NC. In this mortgage agreement, I had paid for a newly built home at this address. During the walk through, my husband and I expressed concern to XXXX XXXX regarding the viability of the sod and if the drainage was satisfactory for the back yard. We were told by XXXX XXXX that the sod was dormant and would come up in the spring. He also stated that if we had drainage issues after the homes on our side of the street were finished, that they would likely need to re-grade our yard for proper drainage. 
Unfortunately, after proper and extensive lawn care, the sod has not rooted through no fault of our own and the front yard is completely dead. This was initially brought to XXXX XXXX attention in a warranty request at the end of XXXX. I did not receive communication from XXXX XXXX, so sent another request on XX/XX/XXXX ticket number XXXX regarding the yard issues. XXXX XXXX came to my residence to inspect the yard. I took him to the back yard where the poor drainage could be seen. I explained what XXXX XXXX had told us during our walk through and he told us that we were on a swell so that wouldnt change and there wasnt anything they could do. When I showed him our front yard, he expressed agreement that it was concerning and said that he would get in touch with upper management as landscaping wasnt covered under warranty. I expressed concern that it seemed as though some of the sod that was laid down prior to us closing was actually dead and not dormant. 
After over 5 weeks of communication with XXXX XXXX and his excuses as to the poor quality of my yard, XXXX XXXX informed me that there was nothing that XXXX XXXX could do. I also requested to see a certification that the sod that was laid down was in fact dormant and not dead, but I was told that wouldnt be possible. It is evident that XXXX XXXX does not stand behind the quality of their work. 
I would appreciate it if you could organize to replace the dead sod in the yard as well as correct the drainage in the back yard so that the grass can grow in the areas with excess moisture. I have moss, mushrooms and an abundance of insects in my yard due to the excessive moisture buildup and improper drainage. There are other builders in the area that stand behind their product and have replaced friends poor quality yards with no contest.
In XXXX XXXX, while applying for a rental home, I learned of a " debt '' I owed which was submitted to collections from XXXX XXXX XXXX ( XXXX, Arizona ) in XXXX. The amount owed ( {$2800.00} ) was immediately paid - in full. 

I took online courses in XXXX at XXXX XXXX XXXX under the Veteran 's Administration XXXX XXXX, which pays for XXXX veterans to seek educational opportunities. I was completely oblivious to this " debt. '' Upon learning of the amount owed, I immediately paid the total to expedite the removal of this " collections debt '' on my credit report. This was a blatant miscommunication and misunderstanding from the Veteran 's Administration XXXX XXXX agency. I have countless documents to verify I am a XXXX veteran and that I was eligible for XXXX courses at that time. 

I have outstanding payment history ; I have never had a debt owed be escalated to a collections agency. I request that this paid " debt '' be removed from my credit report immediately. I ireviewed my credit history after learning of this " debt '' - it has clearly had catastrophic effects on my score. 

Thank you for your attention in this matter. 

XXXX XXXX United States XXXX XXXX, XXXX
In an attempt to pay down my student loans, this company stated that they charge {$240.00} for the first two months in order to consolidate my loans. The following months I paid {$110.00} every month in order to pay off my student loans. I later found out that since all my loans were through the federal government, there is no charge to consolidate my student loans and in some cases consolidation is not necessary. I have since gotten multiple requests from XXXX stating that my loans have not been consolidated and when I contacted the agency to inform them of the notices, I was told that it takes a while to process and that the consolidation would show up. Nothing has shown up. I was also unemployed for a few months and when I contacted the agency to let them know, they never placed me on the deferment list and still took out the {$110.00} in XXXX. I attempted to contact " Student Service '' several times in order to resolve the issue but their phone line continued to go straight to voicemail. I also tried to locate original documents in an e-mail that only provided a link and now goes to an invalid page. 

To resolve this issues, I had to contact my bank, XXXX XXXX XXXX, to report the fraudulent activity and have them on permanent suspension of further deducting any money from my account. Once the issue was resolved at my bank and I received the funds, I FINALLY heard something back from " Student Services '' from someone named XXXX XXXX saying that my account with the agency was canceled. I have also checked on my government student loans and there have been no payments made to settle my debt. These instances occurred only because I was trying to relieve my debt prior to finishing XXXX school. It is extremely unfortunate to have agencies like this that exist to scam individuals solely wanting to pay off their student debts. 

Attached within this claim is the original agreement from Student Services and XXXX additional documents stating they would be taking out {$240.00} in XXXX and XXXX. Also included are my XXXX XXXX XXXX statements for XXXX, XXXX, and XXXX. XXXX and XXXX payments are listed on the XXXX statement together. 

At the bottom of each statement it lists the automatic withdrawals for the account. This company is listed as STUDENT SERVICES XXXX : RECURRING on each statement. 

XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX/XXXX/2016 for {$110.00}
I was reviewing my credit report with Transunion and discovered there are phone numbers on there that are incorrect and should not be listed. I initiated a dispute on XX/XX/XXXX and requested they be deleted from my report. On XX/XX/XXXX I received an email informing me the results of my dispute were available for me to view. I looked at the results and saw that the phone numbers I requested be deleted were still on my credit report with the reason listed as " information updated '' however if the information was updated why are the numbers still on my credit report if they are not accurate?
We 've been receiving phone calls saying they 're an attorneys office XXXX XXXX and XXXX, who also said were with debt holding group trying to collect a debt. The memo I have a attached is what they sent me when I asked for verification of the debt owed even at the bottom it says they 're not a law office. Numerous time they assured me they were n't scamming me because they 're an attorneys office. First they told my husband he owed {$900.00} then told me he owed around {$700.00} when we checked with the original store he took the payday loan from it was only {$590.00} they sold it to debt holding group and then they sold it to XXXX group XXXX XXXX. The told him it was a felony if he did n't pay and that they were taking us to court if we did n't pay them that day ( Thursday XXXX XXXX ). When we ask them to send us verifying documentation about the debt we were sent a word document that did n't even have the companies address or correspondence on it. We have never received any mail or previous phone calls about the debt. They said they sent us mail but they had the wrong address when they sent the verification of the debt. They also said they had him on video going into the apartment which again they had the wrong address. My husband also had taken out this payday loan before we were married and my name is no where on the account and he never gave them permission to discuss the debt with me and when I called I expected that but they were more then willing to give me any information I asked for and were very rude with me when I confronted them about sharing his information with someone they did n't even verify who it was. I have read it is against the law in Texas. We ca n't find any information about this company online expect that they have been scamming people. If my husband does in fact owe a debt we would like to take care of it but we 're afraid to pay these people regardless of their threats of taking us to court because it does seem like a scam. We were wondering how we should proceed the debt is n't on his credit report and we do n't know if these people are even legit. Please help.
IC systems, Inc is attempting to collect on a alleged debt that I do n't owe them. Back in XX/XX/XXXX of 2017 they agreed to stop all collection attempts and remove all the negative items from my credit reports, however they are still calling and harassing me and the negative reporting is still on my credit reports. They are in complete violation of the Hippa law.
I was wrongly charged by a merchant to my Chase Visa Credit card in the amount of {$5000.00}. When I realized about the issue, I contacted both the merchant ( XXXX XXXX XXXX ) and Chase at the same time. At first, Chase gave me a conditional credit of {$5000.00} while waiting for the merchant to respond. However, since I contacted the merchant at the same time I contacted Chase, the merchant did realize the error and refunded me {$5000.00}. So, between me and the merchant, the problem was resolved as there was no charge to either party. Chase, instead, realized both the conditional credit they gave me and at the same time the merchant did the refund credit on their own, so I had 2 credits at the same time. Chase should have removed their conditional credit upon receipt of the merchant 's refund credit. Instead, Chase removed both credits and told me I still owed the merchant {$5000.00} which is ridiculous and irresponsible. Chase should protect its client and must know its client has never used the card for an amount that is over {$1000.00} in a single purchase. Chase does not want to do its job and to check, verify, monitor, and protect its customer which is a sad thing. Again, its customer is a XXXX XXXX XXXX XXXX veteran. Many thanks.
XXXX XXXX, I dispute a series of charges made with chase credit card with online merchange premier cru. The merchant has failed to deliver the " pre-arrival '' wine that were ordered years ago, I have expressed concern to the card card specialist that they should block all transactions linked to this merchant since it appear that they might running a " fraud '' company or ponzi scheme. XXXX XXXX, I submit my detailed claim for all my chase credit cards. The merchant premier cru has since filed for bankruptcy and which means that they will not be able to deliver all out-standing merchanise. 
Chase issued provisional credit, which they subsequently reverse, citing reasons i ) that they have contacted the merchant and they did refuse to issue a credit Upon investigating and calling in, I found that they called the " wrong merchant '', another shop of the similar name and claim that they have done their due diligence. Next, they send me a report of another consumer 's credit dispute which is completely un-related to the case. It an act of gross negligence and breach of confidential information. 
They continue to cite that the charge is valid, due to the date of the charge, and the merchant is n't under obligation to provide credit to the account. This is not true when as of the time of dispute XXXX XXXX, bulk of the charges are within 540 days chargeback limit. When I call in again, saying that the " XXXX '' case is under FBI investigation, and it is most likely a fraud and hence qualify for protection, the specialist stated that nothing is certain till the investigation is finalized On XXXX XXXX XXXX, XXXX XXXX, the owner of XXXX, once a leading wine merchant, was escorted into an XXXX, XXXX, courtroom by federal marshals last week, shackled hand and foot. In a low voice, XXXX, XXXX, pleaded guilty to a single count of wire fraud in connection with a massive Ponzi scheme he operated at XXXX XXXX, the XXXX XXXX he cofounded with warehouse manager XXXX XXXX in XXXX. 

Given this new evidence, I hope chase credit card will handle the case diligently, given that the consumer look toward to the card credit|agency to detect such fraud and at the same time, there has been repeated warnings.
On XX/XX/2018 I purchased via my Wells Fargo credit card XXXX  program 2 one way tickets from XXXX to XXXX XXXX for {$300.00} XXXX. My points paid the balance. This transaction was done by telephone while I was on the XXXX   website with their agent. After confirming the flight and the ticket price displayed on their website with the agent on that website I agreed to the purchase. I was warned by the agent that once I agreed to the price and she hit the button there was no refund or turning back. I agreed and she proceeded. After about a two minute wait she returned and told me the price increased by {$190.00}! I was less than happy but needed the tickets paid. I then called Wells Fargo to complain about their bait and switch pricing and demanded a refund of my points. They assigned a case # XXXX but would not communicate in writing. I did not hear from them. On XX/XX/2018 I contacted them again # XXXX with no response. I followed up two weeks prior to this email, they took the info and promised to provide written resolution by mail regarding the complaint. Tonight XX/XX/XXXX I received a voice mail from the XXXX XXXX XXXX program, not from Wells Fargo customer care with a new confirmation # XXXX to call. I did so and talked to an agent, then her supervisor, then a company executive who after 10 minutes never answered So Im in a pickle! A Wells Fargo company investigating another Wells Fargo company, sending me from one to the other with no resolution and refusing to resolve in writing. Therefore Im hoping the USA government can assist
I sent a request via certified mail : I am requesting the removal of  XXXX  judgment and  XXXX  bankruptcies ( below ) on my credit report due to Civil Case No.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , I did not know the source of their information on those judgments and bankruptcies and due to this,   XXXX   has violated the Fair  Credit Reporting Act ( FCRA ). Please remove these judgments and bankruptcies as soon as possible.   Bankruptcy Ref. #  XXXX  Since this is a request and not a dispute, I would like to receive confirmation that all judgments and bankruptcies listed on my credit report has been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.     My request have been ignored and unfulfilled and not validated
I generally let people walk over me you could say I've had some issues with some XXXX sounding Apartments the only apartment that I've ever lived in with a XXXX name because I stay with my sister and my father before that and never rented a place except for a XXXX XXXX which was unsafe and they gave me my lease deposit back without any damages to my rental history long story short there's an XXXX XXXX XXXX I stayed there on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the rest of my life I've lived in XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  back in XXXX my XXXX dropped 40 points it has now dropped another 40 something points in my experience has dropped 40 points so now I have a XXXX XXXX from a XXXX I was going to transfer my debt into a interest-free account due to the improve credit which I had responsibly built up over the last several years to just be destroyed I'd appreciate your understanding and aggressively approaching this manner to fix my life I'm a young man I'm XXXX years old and pressing for time when it comes to being responsible as an adult I need not irresponsible thieves ruining my life thank you so much for all your help I would like my fair credit back in order, at this point I couldn't purchase a candy cane
I disputed online using Experian website and submitted proof that the judgment was paid in full. I sent payment proof and invoice from the  XXXX  County court house showing that the judgment was paid in full.   All other credit bureaus have accepted the information and removed the judgment but Experian has failed to remove it. I spoke with a representative at Experian and was told they can not remove it. I tried to dispute only  a 2nd ti me and no luck with Experian.
I have fraudulent activity on my Chase credit card. I reached out to them for help & they denied to help me. I hired an investigator to assist me who understands the banks rules & regulations. We sent the information to Chase Executive Offices for help & they sent a letter saying they still cant help me to return my money. We have documents showing the merchant is fraudulent & has been banned from XXXX Continents for fraud against U.S. consumers. 
I am a XXXX & a military vet. We wouls appreciate if you can assist in my case. 
We have all the documents to provide to you for proof of fraud.
My card was stolen while I was hospitalized. I report the fraudulent use to Capital One. However, several of the charges were charged back to my account. Capital One advertises zero responsibility for fraudulent use but claims that because the chip in the card was used that I am responsible for the fraudulent charges. I have requested several times to the Fraud Department to credit my account, but requests have been ignored. My account is basically paid in full and should have zero balance. However, the fraudulent charges totaling {$460.00} is on my account, and I am being charged interest on fraudulent charges. In addition, my payment date and address was changed, and I questioned whether a duplicate card was mailed and/or a data breach at Capital One.
My SSN and credit reports were part of the group impacted by the EquiFax breach.
XXXX of calls over more than XXXX months. They have never left a message, until today. They are, supposedly, a Debt Collection Agency, based in Texas and XXXX, XXXX Caller ID reports the call from Portfolio Recovery.
Debt was paid balance was XXXX XXXX XXXX XXXX as of XXXX 2016. 

Have balance due was sent to me and stated XXXX ( XXXX ). 

Said they would report but have not over the last 3 months.
After reading the article about XXXX lawsuit this complaint is definitely needed. As long as I've had student loans I was never informed about the income driven until about a year or two ago. So I recently submitted my income driven application on the XX/XX/XXXX. I was informed that they had 14-17 days to input your application in there system. What baffles me is that they don't use the date the the application was received, they use the date that they put it into their system. Due to this, my account is now considered to be 112 days past due. Which has just hit my credit report and dropped my score down 63 points. XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I have been working hard on making sure that I am sending my payments on time, which is the XXXX of every month. With the agreement of $XXXX but I pay $XXXX and if I can pay more I will. I am in tears because I am working hard on trying to get my credit back on track and XXXX   has just set me back by almost 70 points. Just amazes me that XXXX will use the date that the application was received. At this point XXXX  has reported incorrect information on my credit report and I would like my income drive application to mimic the date it was received and that was XX/XX/18. This is not how you do business. The entire income drive and forbearance and deferments are a joke and a rip off. You have people that actually want to take care of debt and you end up XXXX them for do the right thing.
I leased a new XXXX XXXX XXXX on XX/XX/2018 from XXXX XXXX XXXX in XXXX, NC. I traded in a XXXX XXXX on that same day. The finance manager didnt tell me to stop payment on my XXXX XXXX that would run on XX/XX/XXXX. I figured that was not necessary because I was dealing with XXXX XXXX  with both leases. After the payment did transfer on XX/XX/XXXX for the XXXX XXXX  that I didnt own anymore I called XXXX to talk with them about this and make sure I would get a refund for that amount. They assured me it would be refunded. On XX/XX/2018 I called in to XXXX XXXX to set up an online account to make the payments come out automatically for my XXXX XXXX XXXX through our checking account. I set up the account, made the new payment for my XXXX XXXX and then asked about the status of the XX/XX/XXXX payment refund for the XXXX XXXX. I was told then that XXXX XXXX called in on XX/XX/XXXX to ask for a payoff on the car I traded on XX/XX/XXXX. They ( I assume XXXX XXXX ) back dated the payoff to XX/XX/XXXX ( for some reason ) and applied the payment that i had made on XX/XX/XXXX to the XXXX XXXX  and then only paid off the amount of the XXXX XXXX minus the payment I made on XX/XX/XXXX and because of this I would not receive a refund for the XX/XX/XXXX payment because there was no overage. I asked why and they could not explain it. I have since called XXXX XXXX about 4 times and they have escalated it to the highest level ( they say ) to the office of consumer practices and they now try to Keep giving me good news that I am indeed getting my refund. I know that. I know that because it would have been illegal for them not to issue a refund for a payment i made on XX/XX/XXXX for a car that didnt own as of XX/XX/XXXX. Each time they say they will listen to the taped calls from XX/XX/XXXX of when I was told on XX/XX/XXXX that I was not going to get a refund and each time I call them or they call me there is never a reference to any note that I was told anything other than the fact that I was going to get a refund. I assume there is a cover up being attempted for providing wrong information. I keep telling them that Im going to report this and that it would be better if they explained that they made a mistake. The dealership doesnt care and neither does XXXX XXXX. Neither seems concerned that Im going to report this even though this is the 4th car I have bought from. XXXX. Im supposed to get a call back by the end of today from a manager in the department of consumer practices. I dont believe I will. And if I do it will probably be to assure me that Im going to get a refund. There is something wrong here and I want an explanation.