WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a transaction on XX/XX/XXXX with WELLS FARGO for the charge of {$780.00} from a merchant : XXXX XXXX XXXX XXXX. WELLS FARGO mishandled the dispute case and failed to refund the disputed claimed amount that was filed because of the poor service provided by XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, XXXX from XXXX XXXX XXXX XXXX incorrectly diagnosed and suggested that water-heater at our house needs replacement. As we have home-warranty from a company name XXXX, they covered the Water-heater cost, but XXXX XXXX XXXX XXXX ( XXXX ) said there are extra cost of {$780.00} for pipes, valves, city code charges and side items. We agreed to get the job done and pay extra cost of {$780.00}, and appointment was scheduled on XX/XX/XXXX at XXXX XXXX CT. 

On XX/XX/XXXX, XXXX ( plumber ) from XXXXXXXX XXXX XXXX XXXX   arrived at our house and replaced the water-heater, my wife signed the paper after the job completed. We thought we would get hot water that day but didn't happened. Next day, my wife called XXXX XXXX XXXX XXXX   and XXXX ( plumber ) said wait for a day and see if it works. We waited for two days and still didn't get hot water. 

On XX/XX/XXXX, XXXX ( plumber ) from XXXXXXXX XXXX XXXX XXXX came at our house, researched the water-heater and piping in the basement and find out that water-heater was not the problem. XXXX diagnosed the problem ; hot and cold water was mixing inside the basement bathroom wall due to previously installed pipes in the bathroom. XXXX, with his apologetic and sincere voice said the truth and accept the fact that first plumber XXXX misdiagnosed the problem, the water-heater didn't needed replacement. 

We did not open the wall to fix the pipes because that was a big job but XXXX was nice to put a value outside the bathroom ceiling and disconnected water supply in the basement bathroom, so the water don't get mixed and the rest of the house gets hot water, a temporary fix. 

I called XXXXXXXX XXXX XXXX XXXX and talk to the owner but he was extremely rudely said he can not help us, and screamingly hung up the call. 

I disputed the transaction of {$780.00} with WELLS FARGO and the case processor investigated the case absolutely incorrectly. I am disputing 'the poor service ' provided by XXXX XXXX XXXX XXXX, and WELLS FARGO processor disputed a case as a problem with 'merchandise ' ; and rejected the claim based on the paper work provided by XXXXXXXX XXXX XXXX XXXX that they installed the water-heater and other material. 

This is simply a poor service provided by a plumbing company XXXX XXXX XXXX XXXX, they suggested to change a water-heater that was not supposed to be replaced. According to WELLS FARGO and VISA customer agreement, WELLS FARGO should fight to get the money back from merchant as we paid for something we didn't needed.
On XX/XX/XXXX, I submitted a full dispute of accounts that were erroneously place on my credit report according to 605b of the FCRA with Equifax, XXXX  and XXXX, yet to no avail, as they have not removed or " blocked the items '' in the determined amount of time from the congressional act.
I disputed late payments with Transunion, submitted proof to them directly from the company that my payments were not late and Transunion has repeatedly refused to update my credit file to!!
I received a letter from Regional Adjustment Bureau XXXX XXXX XXXX stating that I owed {$7200.00} ( {$4800.00} principal and {$2400.00} interest ) to XXXX XXXX and they were collecting. I have never heard of this company and do not have any unpaid loans. Upon calling to inquire I was told that this was a student loan of my daughter 's that I had cosigned on from XXXX XXXX XXXX University in XXXX where she attended in XXXX. She has not had anyone contact her from this or any other collection agency and is currently making payments on her student loans monthly.RAB Inc told me they did not have to contact her because I was a cosigner of her loan and I was responsible for paying. This is the XXXX I have heard of this issue and it seems shady to me since it was over XXXX years ago and no one has contacted me about it or contacted my daughter. She is paying her loan so this seems like a scam of some sort.
On XX/XX/XXXX I noticed that the zero APR in the Capitol One Quick Silver card expired. I called to talk to the customer service representative around XXXX EST. Since Capitol One has been charging around $ 180 monthly finance charge for 4 months, I asked the representative to waive the last finance charge. She became very unprofessional and immature and questioned me that " you had 18 months to pay for the card '' I told her if I have the money I would have paid them. I also added that unlike other banks such as XXXX   XXXX XXXX and XXXX XXXX that I also work with and they honored my request and waived the late fee, they should also think of the customers ' financial difficulty and be more accommodating. She then started giggling as if anything is funny. I told her she is very unprofessional and she hung up on me. Since she told me that the conversation is being recorded, I would like this employee ( whom I could not even get the employee ID of since she hung up on me ) to be reprimanded for her lack of professionalism and cooperation. I have had bad experiences with Capitol One which I have not had with any other banks throughout my credit history since XX/XX/XXXX.
On XX/XX/2018, at around XXXX XXXX, my debit card was used online at XXXX to purchase a XXXX XXXX Gaming Laptop for {$790.00}. The card number used for the order was stored on my XXXX online shopping account. The order was not placed by me, and was done so without my knowledge or consent. 

On XX/XX/2018, at around XXXX XXXX, I called XXXX customer service to report seeing the fraudulent transaction online. I notified the XXXX customer service representative that this was a fraudulent charge and requested the order be cancelled. The representative assured me that the order was then cancelled and advised me to change my password, which I did. I then called my bank, Chase, to report the unauthorized charge. Chase cancelled the card that was used for the transaction, and credited my account back the {$790.00} since it was reported as being fraudulent. 

On XX/XX/2018, I learned that XXXX denied the fraud claim filed by Chase. XXXX states the order was delivered, and was therefore not fraudulent. This caused a claim reversal charge of {$790.00} on my bank account. The order in question was not received by me. I then contacted XXXX  for more information regarding the alleged delivery. 

The XXXX  representative informed me that on XX/XX/2018, a XXXX employee called XXXX  to request a delivery change of address on the order. The person changed the delivery address from being my home address to a different address, somewhere in XXXX. I did not place this call nor did I have any XXXX representative call XXXX  on my behalf to edit the delivery address on this order. 

The data provided through the XXXX  tracking number confirms the item was delivered to the newly changed delivery address, at XXXX XXXX, on XX/XX/2018, and was left on the front porch. I has no affiliation with this address and therefore, did not receive the order. 

A representative from the XXXX claims department was on a recorded call with myself and a representative from Chase bank and stated that the charge was fraudulent and XXXX wrongfully denied it at first and would not dispute the claim again. The XXXX rep advised the Chase rep to go ahead and resubmit the fraud claim on the transaction, which would refund me. The Chase rep said since it was already submitted and deemed as " non-fraudulent '' they can't resubmit it, even though they have solid evidence and a police report stating it was indeed fraudulent.
Equifax is refusing to update a XXXX credit card account on my report. They are incorrectly reporting that there is a {$3100.00} charged off balance but this information is not accurate. I sent Equifax a copy of a discharge of debt XXXX document I received from XXXX in 2016 more than three times this year. There should no longer be a past due amount being reported for this account because the debt was discharged. The account should say " {$0.00} '' past due. XXXX and XXXX promptly updated their records once I sent my dispute with the attached proof so I do n't understand why Equifax is coming back with a different response. I have the proof directly from XXXX itself. My dispute is not being processed properly and I need them to be held accountable for their inaction.
My mortgage contract states that automatic termination of PMI is to be XX/XX/2017. As of XX/XX/2017, my servicer, Bank of America ( BoA ), refuses to take it off immediately. Instead they have told me various confusing things, such as, I have to pay two more months of PMI past XX/XX/2017, or that I do n't have to pay past XX/XX/2017, or I have to pay one more month of PMI past XX/XX/2017. All the while saying they ca n't provide documentation on definite dates and it has to go through more days of review. 

I first contacted them on XX/XX/2017 to find out why the updated amortization schedule had PMI on it for the entire 2017 year. Since then they have continually dragged my case on. I have contacted them six times already with no definite documented resolutions to terminate PMI by XX/XX/XXXX, only possibilities leading to paying more money outside the stated termination date. 

As of XX/XX/2017, I have been told that it can be up to another 14 business days to get my PMI off my account. Conveniently for BoA, the additional " review '' days put me around XX/XX/XXXX, so I am held hostage to either pay XX/XX/XXXX PMI or a late fee ( after XX/XX/XXXX ). There is a possibility, at that time, they may try to drag this out longer, which is a related concern. 

All I ask is that the legal contract we signed many years ago be honored. It states, " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. This date is XX/XX/2017. '' I am current on my loan payments. Also, I have attached a copy of the PMI disclosure and BoA 's amortization schedule.
Calls all through out the day Keep calling after I repeatedly ask them to stop Change their numbers to hide themselves
In XXXX XXXX, I received a loan from the XXXX for XXXX with a fee of XXXX. In the next few months, I made payments of XXXX. In XXXX XXXX, I was struggling to pay. I received a email in XXXX XXXX about the loan and indicated I would pay off within the month. I received no further correspondence. I called and was told I would receive a final payoff statement notice, I never received any hard copies copy of the loan agreement or requests for payments. All documents were sent via email. In my email documents. I keep all my email but can not find an application or signed documents of any loan agreement I can not find any documents which I signed. 
After XXXX XXXX, I did not receive any further emails. 
In XXXX XXXX, I received notice from my credit report alerts that I had a delinquency filed by Midwest Recovery for XXXX on my credit report causing my credit score to drop XXXX points. 

I called Midwest Recovery on XXXX XXXX, XXXX and was told that I owed XXXX to XXXX for XXXX ( XXXX business name ). 

They then sent me the attached email saying that I would have a delinquency posted to my account if I did not pay. Copy attached. Midwest Recovery had already posted this delinquency to my credit reports in XXXX XXXX before I received this email. 

This company has : Requested an additional 130 % of the loan taken out, Violated the process for filing a delinquency on my credit report before they gave me the opportunity to dispute which I am doing as I file this complaint. 

Your assistance with this predatory process is greatly appreciated.
In XXXX I purchased a XXXX XXXX XXXX. The vehicle defaulted and repossessed for payment in XXXX due to job loss and death of a parent and. In XXXX of XXXX I received a XXXX from a third party to pay taxes on the financed amount. Second incident stemming from the XXXX Serial NO. XXXX. I received a call from XXXX XXXX XXXX in XXXX, Texas on XXXX/XXXX/XXXX. Regarding a school zone ticket for {$430.00} which occurred in XXXX. I immediately faxed over A letterhead from Wells Fargo the lienholder referencing Notice of Our Plan to sale dated XXXX/XXXX/XXXX. I have thoroughly researched and seek further guidance to understand why more than two entities have manage to further allow my identity to be compromised without my knowledge. And what actions should have been taken to initiate updated documentation. Please respond with the next recourse of action. 
Sincerely, XXXX XXXX
After reviewing my Note, confirming that my loan accrues interest daily, On XX/XX/2018, I attempted to make my monthly payment prior to the due date, to save interest. There is not a way to accomplish this on the website. So I sent an inquiry to the company via electronic message, asking them if I could make my monthly payment prior to due date. They explained that I can not make my payment before the due date. I have to wait for the payment to be drafted on the due date, but I could make an additional payment that would apply only to principal to help pay my loan off sooner.
Navient/Sallie Mae added additional fraudulent charges on to my account in XXXX. After I graduated from XXXX XXXX University, my total principal balance was only {$48000.00} ( Federal Perkins loan : {$1900.00} ( which should have been paid in full ), Direct Stafford Subsidized Loans : {$18000.00}, and Direct Stafford Unsubsidized Loans : {$28000.00} ) before I consolidated my loans. Navient or Sallie Mae added two dollar amounts of {$40000.00} and {$19000.00}. This increase my total principal balance to be {$140000.00}. My principal balance should have been {$84000.00}, instead of {$140000.00}. In addition, XXXX XXXX charged me {$190.00} to consolidate my loans, which is also illegal. The struggle to pay on this fraudulent balance has caused me emotional and physical stress. XXXX XXXX should have caught this error. I am requesting that you all forgive the whole total balance due to Navient and Sallie Mae 's fraudulent activity and XXXX XXXX ' failure to catch this error and correct the error. In addition, I was not in school during XXXX. I graduated from XXXX  XXXX University in XXXX and did not attend XXXX XXXX University until XXXX. Please see the attached file for documentation.
I am trying to stop the foreclosure of my home and have been working diligently with the Citizens Bank Home set for auction XXXX XXXX, 2015
Seterus continues to refuse to provide paper monthly statements mailed to my household, which was agreed upon over 14 months ago and after numerous complaints still agreed to the statements mailed monthly to my household. Seterus again has removed all account information and previous history on my account online. Seterus also eliminated and prevented digital monthly statements online. These issues never have been resolved no longer that a month or so then back too varying degrees of missing account information, no online or mailed statements received. I have no ability to have a history of account activity, nothing stated on account online how much my payment is or due date. These reoccurring issues have been going on over 4 years now.. I contacted Seterus on XXXX and was put on hold again XXXX XXXX stated a work order was generated and I will receive statements next month. Same action every time but no solution ever. I am certain 100 % that next month nothing will be corrected and Seterus will take 6 months to correct this after responding to this complaint, and after the correction the following month the problems will be back ... ..LOOK AT PREVIOUS COMPLAINTS ... ... ... .HELP ME.
Loan #  XXXX  The   XXXX   XXXX   XXXX   XXXX    XXXX  FKA the   XXXX   XXXX   XXXX   XXXX   as Successor indenture Trustee to  XXXX   XXXX   XXXX ,  XXXX  as Indenture Trustee for the  XXXX    XXXX       XXXX   XXXX   XXXX   XXXX  , Serie s  XXXX  We  have been unable to pay the amount due as we have fallen behind/short some months ago due to major increase in the monthly mortgage payment, My wife  XXXX  and I have recently separated. Im a   XXXX   XXXX   XXXX   and due to the market Ive had a drastic decrease in income. My wife currently working  part time and is searching for something more full time.      BAC modified the first loan in  2009.  we need help with the second loan. Our intention is to keep our home with the help of a reducing our monthly mortgage payments in order to get back on track. We have reached out to Bank of America asking for assistance with a Modification and I 've been declined assistance.
My loan was originally serviced by XXXX XXXX. Midland Mortgage purchased the loan more than a year ago from XXXX XXXX. 

When the loan was sold, I was in a repayment program with XXXX and never informed of any change until I called in to make a payment. Once I received noticed the loan had been sold I had to go through the series of steps needed to begin an agreement with Midland. This was a nightmare just as dealing with XXXX was. Despite the difficulties, I provided all information needed and was approved for a new repayment program. It should be noted that over the course of both repayment plans I have lost thousands in fees. 

I completed the program successfully and months later received notice that my payment would be increasing from $ XXXX/mo. to $ XXXX+/mo. due to XXXX not adjusting the escrow. At the present time, the monthly payment requested is around $ XXXX+/mo. I ca n't afford that nor am I responsible for having to pay an increase to the owed amount. 

The escrow had to be adjusted since it was no longer a primary residence. I was n't aware of this until much research and agony discussing with Midland. Despite XXXX being the main culprit, I had to submit an application to Midland for my repayment program that one of the questions asked if the residence was tenant occupied and not my primary residence to which I clearly answered " Tenant Occupied ''. Midland provided me with an agreement ( a legally binding contract ) that I agreed to after reviewing my application. I completed it. Now Midland wants nearly {$10000.00} of additional escrow money. 

This is money that was owed ( unknown to me ) before Midland purchased the loan. Midland did n't do their due diligence and now want me to pay for their ( and XXXX 's ) negligence. 

I do n't see how I should be on the hook for something that I had no idea i was responsible for. I am not a mortgage company. I am a consumer. I pay what is requested. I only became late after losing my job and worked extremely hard and very responsibly for several years to keep this house while I could have foreclosed and added to the housing markets troubled volatility. 

I never made a payment late to Midland since they purchased the loan until now. I refuse to pay them as this seems fraudulent, corrupt and completely disrespectful and unethical in regard to the repayment program Midland agreed to. 

I am seeking my monthly payment be returned to its prior amount and once I make my next payment, having the missed months put back into the loan along with no negative remarks on my credit.
ACCOUNT LISTED DOES NOT BELONG TO ME AND IS SHOWING ON MY CREDIT REPORT
The credit card company refused to fix an issue with fraudulent transactions on my card. I don't have internet excess as it tied up to XXXX account which I don't have anymore.
My wife purchased a leather jacket in XXXX, XXXX. She was not charged the value added tax ( VAT ), but was given a form to take to the customs desk at our departure from XXXX airport on the day of our departure. She told my wife that if we did not take the form as directed our credit card would be charged the VAT tax. We did as directed, and left XXXX. On returning, a subsequent credit card statement from Chase included the VAT charge, with the 'merchant ' listed as TAX REFUND DENIED. When I called Chase, the person I spoke with had no idea what it meant. I told her I was pretty sure it was related to the VAT. I of course disputed the charge, as we had complied with the merchant and filed the form with the customs desk. I have gone back and forth with Chase several times since my first call asking about the charge. I have been told by XXXX different Chase representatives ( XXXX a supervisor ) that Chase policy was to not dispute VAT charges. I was told I would have to deal with the merchant ; however, Chase has failed to identify what merchant placed the charge on my card, nor has Chase informed me as to what authority the un-named merchant had to place the charge on my card ( it is {$110.00} ). Chase has sent me a letter stating in writing that it is something I need to take up with the merchant ( the one that Chase has not identified ). I told Chase that my dispute at this point is not with the unidentified merchant, but with Chase for allowing an unauthorized and bogus charge to be placed on my credit card, and then refusing to remove it when disputed by me. I have also pointed out the misinformation and confusing information I have been given by Chase during phone calls with Chase representatives. I am still pursuing the matter with Chase, but wonder how it can honor a charge that is not only bogus, but then inform me the issue is between me and the merchant, as though Chase is simply an innocent bystander.
This company has called me 5 times in one day. Im sure this is harassment. I have blocked other numbers similar to this one and they just keep calling from new ones.
There are 17 inquiries on my credit report that are not mine. I did not authorized any other there inquiries. I want them removed from my credit reports. See company and dates below : Credco XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX
I went to credit reporting site to receive my free annual credit report. To verify my identity and get my report I had to enter credit card info. Now company is billing me {$21.00} a month for this unauthorized service. They charged me four months worth of fees before i discovered charges. Now they will not return these fraudulent charges. These companies are using deceptive practices to get your credit card information then claim you ordered services.
My son was an authorized user on my Discover account. He went to the store to use the card where he often shops, and when the card was swiped, the code came up " Call Authorities. '' Fortunately, the cashier knew him enough and did not call the authorities. 
I contacted Discover and they told me that they had requested the authorized user 's SSN and DOB by email or mail, and when they did not receive the information they removed him from the account. I understand this part due to the Patriot Act. However, I have gone through all my emails and paper mail and I received no such request. I also did not receive any notification that my son was removed from the account. 
What I am furious about is that the code sent to the merchant at the time said to " Call Authorities, '' scaring the XXXX out of my XXXX year old son, and making him look like he did something wrong. 
When I contacted Discover, the agent was very helpful, but also agreed that the code sent to the merchant should have just been a decline. I am not sure if they are having system issues with this type of decline or what, but I am so furious about this. I can not imagine what it would have been like if he had been somewhere they did n't know him and actually called the authorities, as directed by Discover. He visits XXXX and XXXX, and this is the card that I send for emergencies too! What would have happened? I am now requesting compensation for this bad bad error. I would like an account credit for no less than {$500.00}. I do n't even think that 's enough.