WillisBack/dataset-financial-user-claim huggingface dataset:
A bank representative opened multiple accounts for me when I started a small business. She opened a business checking, another checking account she stated was to be a " tax '' account and a business credit card. I informed the representative that I would not be making much money the first year so I was n't sure if I needed the " tax '' account but she opened it up for me anyway taking her advise and trusting her. I had under {$300.00} in that " tax '' account as well as the main checking account. Before I knew it, I was being charged {$40.00} " processing fees '' in the accounts. I would speak to the representative that opened the accounts for me about these fees. She would reverse the charges, and said that she would stop these fees. In the end, XXXX about a year later XXXX She was transferred to another bank, the fees continued, she never answered calls from me or other tellers at the bank that were calling for me. Ive closed all my accounts and now my credit card is charging nearly {$200.00} in interest fees every month. I feel as though US Bank must have given incentives to employees for opening accounts and all the fees are making thousands of dollars from their customers. i primarily bank with XXXX XXXX XXXX and I never have these types of issues. They are taking my money and Im in a trap. I will have to borrow money to pay off the account completely before I end up owing thousands more.
On Saturday XX/XX/2018, I transferred a XXXX payment of {$120.00} to someone that I thought was a friend but found out it was the wrong person. I called my bank to see if there was a way that I could cancel the transaction since it still showed as " processing '' on my mobile Bank of America app. When I spoke to the representative from Bank of America, I was told that it was too late for Bank of America to do anything and that since it was through a third party ( XXXX ), I would have to contact them directly. The representative then told me XXXX was closed and I wouldn't be able to talk to anyone until Tuesday since Monday is a holiday. I then hung up with Bank of America and called XXXX for myself. I was directed back to Bank of America since the transaction was done through the Bank of America mobile app and not the XXXX app.
Back in XXXX XXXX, I sent a complaint about the XXXX mortgage companies that I have been dealing with, XXXX XXXX XXXX and Carrington Mortgage. My loan was sold from XXXX to Carrington Home mortgage. The most up to date documentation received from Carrington Mortgage has become a conflict. Last year Carrington Mtg stated we owed them {$32000.00}, ( from XXXX the previous lien holder ) and after I contacted your office I received information that Carrington mortgage would accommodate the modification that XXXX had started. We obtained a lawyer and paid {$4000.00} for services for the loan modification with Carrington. The lawyer worked with Carrington from XXXX XXXX until XXXX XXXX, at that time we received the loan modification from Carrington. 

The pre trial payments begin for three months which were all sent to Carrington 's office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX. The four payments after that and the last payment was forwarded to the lawyers office which was the same address the other XXXX payments previously sent. 
We contacted Carrington mortgage and was told that they could not speak with us because we had a lawyer. When I finally spoke with someone he stated that he saw the payments from XX/XX/XXXX-XX/XX/XXXX in the system but they had not posted to the account because we have a government loan and asked me to send the bank statement to show check payment and amounts paid. I was then told to contact the case manager XXXX of Carrington but have not been dignified with a response since XXXX XXXX, XXXX. As of today Monday XXXX XXXX, I have not been able to contact the case manager of Carrington mortgage and the lawyers office of XXXX XXXX XXXX ( XXXX XXXX XXXX ) will not answer my calls. XXXX. I have been pondering the many different dates, amounts due and the recent foreclosure notice received stating the dates owed is XXXX XXXX to XXXX XXXX when we started the trial payment in XXXX XXXX and made the payments through XXXX XXXX. I have tried everything the correct way and returning to your office for the third time. Please help us save our home. In brief XXXX sold the loan to Carrington mortgage for {$260000.00} after modifying the loan to {$180000.00} the Obama bailout paid off the loan, Carrington mortgage modified the mortgage at {$180000.00} with a payment {$1200.00} stating we owe {$30000.00}. 

Here are the numbers and dates that are in question:1. XXXX XXXX, {$30000.00}. XX/XX/XXXX-XX/XX/XXXX {$10000.00}. XX/XX/XXXX-XX/XX/XXXX $ XXXXA foreclosure notice was sent in XXXX XXXX dated for XXXX XXXX {$12000.00} but checks were cashed from for XX/XX/XXXX-XX/XX/XXXX.
I used to send money to XXXX ( my relatives, friends ) through Western Union since I came to this country XX/XX/XXXX. For the last two years more recently, I learnt how to create an account via web and was doing on line international money transfer from US dollars to XXXX XXXX. This creates an e-mail trail giving a tracking MCTN number with a name whom the money being transferred. This process seemed to be rigorous as it goes from my bank to Western Union and this process takes at least 7 days. During my weekly check into balance of my bank account on line, I noticed on a single day there were XXXX money transfers and the following day another money transfer. All these XXXX transfers amounted to about {$7000.00}. I called my bank and lodged a dispute on all those XXXX charges which have not been initiated by me and authorized by me. This has been lodged in the fraud department of the bank with a claim number. I called the merchant Western Union and filed the complaint. They took the complaint and informed me that some of these transfers are still not cleared and can be retrieved or changed. There were XXXX international transfers which have been delivered already and can not be returned. I went on line and recovered MCTN numbers and names of the persons. They gave the names of not all persons. But I noticed that one person was my relative and when I called my relative he said that there was no money transferred. There were other XXXX names I could not recognize. They filed a police case and instructed me to go to local police to give the case number to know more about this unauthorized transactions. I called your department and the official instructed me to file complaint on line, called Federal Trade Commission and go to local police to to inform and file complaints.
Back in XXXX, 2015 I was checking the options to refinance my single family house mortgage of {$630000.00}. After watching the Quicken Loans TV advertising, I decided to find more information about my chances of refinancing. 
Since I begun checking the loan options with this company, starting XXXX XXXX, 2015, I was persuaded by their very persistent representative XXXX XXXX ( XXXXXXXXXXXX Phone : ( XXXX ) XXXX XXXX ), to send him my two years tax returns. After a day or two he called me back and told me that I 'm certainly qualified to begin the process. XX/XX/XXXX the process begun ( Loan : XXXX ), through which I was recklessly dragged for almost 4 months through several of QL associates, who tossed me blatantly from one to another, with repeated documents requests. They continued to extend the date for their decision, up until yesterday XXXX XXXX, after my repeated requests to find out about the loan application status, I received a totally ridiculous and irresponsible answer : QL could n't match a home loan with my current needs. 
Prior to this message, on the same day, I got another response to my question placed onMY QL online board on XXXX XXXX. The message was somewhat strange, but nevertheless different. The message notified me that all Jumbo Loans applications that were submitted after XXXX XXXX are being affected with new rules. I did n't understand how this could 've been related to me, since I begun the process XX/XX/XXXX. At the end of the same day I got an email from the same gentlemen, I begun the process with - XXXX XXXX, with the message of denial. Later I got a call from another rep with the same message, who did n't want to disclose the reasons for their decision, as well as did n't want to reveal the name of the underwriter to enable me to appeal their decision.
OVER THE YEARS, THERE WERE MULTIPLE PROBLEMS WITH MY CREDIT REPORT. SO I HAD 2 BIG ISSUES I WANTED ADDRESS AND A FEW OTHER ISSUES. BECAUSE OF THE WAY THEY MISHANDLED MY DISPUTE INVESTIGATIONS IN THE PAST, THE ACCOUNTS, INQUIRIES, AND PERSONAL INFORMATION I CHALLENGE XXXX TO DISPUTE FOR ACCURACY AND VALDATION AND VERIFICATION. THE SECOND MAJOR ISSUE WAS IF THEY CAME BACK VERIFIED, THAT I WANTED A DETAILED METHOD OF VERIFCATION AND I ALSO REQUESTED IF VERIFIED TO GIVE ME THE DOCUMENTS THAT I REQUESTED. I HAVE MAIL IN DISPUTES AND THEY SAID THEY DIDNT RECIEVE IT. ITS ALWAYS A EMPLOYEE FROM XXXX AND THEY DISREGARD ANYTHING YOU SAY. 1. I DISPUTED INQUIRIES FROM XXXX AND TOLD THEM THAT I DIDNT AUTHORIZED THESE INQUIRIES. THEY SENT ME BACK A LETTER SAYING INQUIRY IS A STATEMENT OF FACT. SO I CALL THEM BACK AND WROTE THEM ASKING THEM TO DISPUTE THE INQUIRIES AND THEY SAID THEY ARE NOT DOING IT. 2. 3 BANKRUPTCIES THAT I ASK TO DISPUTE FOR ACCURACY AND I ASK FOR FULL DETAILS OF THEBANKRUPTCY INCLUDING THE PAPERS THAT WERE FILE, AND THE METHOD THEY VERIFED. THEY DID NOT GIVE ME THAT INFORMATION BACK IN 30 DAYS SO THEREFORE BY FCRA LAW, IT MUST BE DELETED. THEY ALSO SENT A LETTER BACK ONLY SAYING VERIFIED. 3. I DISPUTED XXXX XXXX XXXX XXXX XXXX XXXX FOR ACCURACY AND THEY ARE ALSO IDENTITY THEFT. I FILE A IDENTITY THEFT REPORT ON THESE ITEMS ON X/X/17. FIRST THEY TELL ME THEY AINT RECIEVE THE DOCUMENTS. NOT BY FAX OR EMAIL. I EVEN HAVE A EMAIL CASE # FROM THEM BUT THE XXXX EMPLOYEES SAY THEY HAVE NO CLUE WHAT IM TALKING ABOUT. 4. XXXX XXXX ACCOUNT. I DISPUTED THE LATE PAYMENTS ON THE ACCOUNT. ACCORDING TO THE FCBA IF I MOVE THAT THE MUST SEND THE STATEMENTS TO MY NEW ADDRESS. ALSO IT IS IN DEFERR STATUS AND I ALWAYS KEEP MY DEFERR STATUS UPDATED. XXXX DIDNT EVEN FOLLOW THE DISPUTES THAT I REQUESTED. XXXX ALSO DID THE SAME STUFF. ALSO EXPERIAN. BUT EXPERIAN HASNT RECIEVE MY IDENTITY THFT REPORT YET, BECAUSE THE ONLY WAY THEY CAN RECIEVE IT IS THRU MAIL.
Unacceptable response to complaint XXXX as your investigation only verified name rank and serial number, which is not what I 've disputed. I will again submit a follow-up compliant with Experian until Experian takes the same position as XXXX  by refusing to support a known predatory loan that not only was part of a class action suit that cost XXXX XXXX 150+ million in settlement costs, but was even identified by the grantor " XXXX XXXX '' itself as being handled in error. 

Experian continues to allow XXXX XXXX to stand behind their predatory lending practices as the home equity loan in question was an instrument of XXXX XXXX home loan, which affected roughly half a million borrowers that took these XXXX loans under false pretenses from XXXX, me being one of them. XXXX Bank and its subsidiaries sold the loans, but when XXXX XXXX bought XXXX at the end of XXXX, they assumed responsibility for them. Homeowners began to complain when the payments shot up, and law enforcement started investigating as well. Because XXXX loans were designed to fail, and because XXXX never disclosed the consequences, XXXX XXXX was liable for violations of multiple consumer fraud statutes. '' In addition to XXXX admitting that they error-ed, said home equity loan was transferred in XXXX of XXXX under Account XXXX while litigation proceedings were still in progress and without notifying me or my attorney of this critical piece of information that would have otherwise alerted my attorney of XXXX XXXX 's intentions to proceed with foreclosure and sale of the home in lieu of working out a true modification that would have upheld the loans original commitment.
Transunion is reporting my XXXX account as an adverse account this information is wrong. It has been confirmed with XXXX that the account is current and in a satisfactory standing with no late payments. XXXX has fixed this account after there investigation and it is reporting correctly as an account that is satisfactory not adverse. I have disputed this with transunion but they have still not corrected it. This wrong information is affecting my credit score.
I have been sued with no paper service, found guilty by default ( because I did not know about a court appearance ) and have had and continue to have XXXX dollars garnished from my wages for debt that I am not sure is even mine. The amount garnished ( over {$400.00} each XXXX week pay period ) barely leaves me money for bills and groceries. It always seems to Miller and Steenos that are collecting these. I do n't have a clue about any of this until I get a notice from HR that another garnishment is in effect. Once they get a judgement they seem to continually find more, real or otherwise. Any help will be greatly appreciated.
XXXX XXXX has names thats not me on reports also open account from XXXX XXXX date open shows XX/XX/XXXX is incorrect EQUIFAX has to account listed that does not belong to me i dispute 3 months ago they failed to show me that debt is mine i as to see validate fail to do that as well as showing XXXX XXXX XXXX OPEN XX/XX/XXXX NOT to be mine as well and a XXXX XXXX i never had any of these open XX/XX/XXXX 3 one is yes companies E open XX/XX/XXXX not showned validate for that i well on XXXX shows closed accout on XXXX XXXX XXXX open on XX/XX/XXXX has all been disputed nothing has come back to me on any of these all XXXX XXXX showing close as well but still reporting
I have had the POA responsibility for my XXXX year old mother for over a year with mother 's Union Bank 's checking and money market account. I also have durable power of attorney. 

Mother has XXXX  XXXX. 

On XX/XX/2018 my sister took mother to the bank and had me removed and herself put on as POA. 

There should have been a notation on the account to call me if any changes were trying to be made, whereas this has happened before with my sister making changes without contacting me. I was never contacted. 
I feel the Union Bank Vice President, Branch Manager, XXXX XXXX has been negligence in his fiduciary duties to protect my mother from undue elder abuse influenced by my sister. He states mother is of sound mind. 

My sister has a history and a pattern of taking mother 's money and not paying her back. Mother is in an assisted living environment and needs her limited resources to pay for the cost of her care. I explained that to Union Bank branch manager XXXX XXXX. 

My sister does not allow mother to spend the night at her home. She " doesn't want to be a care giver. '' My sister has financial problems. 

I believe Union Bank has a fiduciary responsibility to protect mother from elder abuse. 
I showed XXXX XXXX my durable power of attorney. He said his bank 's POA supersedes the durable. I beg to differ. There is a pattern of check cashing neglect. Mother ended up in the DA 's check cashing fraud dept. earlier this year, when my sister had changed and closed the account last XX/XX/XXXX .... I took care of the problem for my mother. 

I feel the bank needs better training in supporting their senior clients from elder abuse. 
I will be reporting this to the XXXX County DA Elder Abuse dept. 

If my sister withdraws mother 's money for her own personal use, I will hold Union Bank, XXXX XXXX responsible.. They have been forewarned of that possibility ..
I have some grave concerns based on my history of dealing with Webster Bank of XXXX, CT. Starting in XXXX XXXX, due to a XXXX, I became XXXX. As of XXXX XXXX, I began having difficulty meeting my current mortgage obligations. During the period from XXXX thru XXXX I was attempting to modify my mortgage under the federal program Making Homes Affordable under the Hamp guidelines. After multiple trial period payments, the mortgage was finally modified as of XXXX XXXX, XXXX. Within this past week, I contacted Webster Bank and questioned two recent issues of concern. ( 1 ) Negative escrow balance ( which will be discussed with you in greater detail ; and ( 2 ) their failure to comply with " pay for success incentive '' for making timely payments. I have found no evidence in any of their account transaction history, regarding this incentive. According to documents of modification, it states, that annually a deposit will be made toward the principal balance after the anniversary date of my trial period plan, ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for an amount up to {$1000.00} each year ), despite the fact that I have remained current with modification payments,. 
Within this past week, I contacted Webster Bank and questioned both the negative escrow balance and also the missing " pay for success '' incentive payments. I was placed on hold for 45 min. at which point, I terminated the call. I have yet to get a response from Webster, despite Webster having my current contact information. I still have no answer to these questions. 
My experience with Webster Bank has taught me that they are unreliable, unaccountable, and not particularly helpful to me since this process began in XXXX XXXX. Therefore, I am requesting your assistance at this time.
I see a company reporting that i owe adebt of XXXX for something i do not know of. This is not mine and require proof of contract that i signed or proof showing this is mine. This is not my debt. Please have this company remove from my credit. Thank you
I got a loan from speedy cash for a {$150.00} dollars, but wasn't able to pay it back. So they took money from XXXX XXXX XXXX card without my approval. So I call speedy cash and told them I didn't give permission to take my money. I only get {$770.00} per month. And I wasn't able to pay my rent. I call XXXX XXXX about 20 time and never talk to no one.
I opened RUSHCARD and had paycheck go direct deposit on card for my first deposit, which applied on XXXX XXXX, which I assumed until i tried to pay for gas to get to work. When I called customer service was told just wait a day or two since they were trying to update system. On many fail attempts was unable to pay bills, provide food for my family nor pay for my rent. My card kept appearing inactive online and made several phone calls that card was inactive and not able to be used. It took me 8 days for my paycheck to post and was only able to use a part of it.
In XX/XX/XXXX and XX/XX/XXXX, I XXXX had reported fraud to all XXXX Credit Bureau. Someone got a hold of all my credit cards and social security number, and was purchasing things in my name. My identity was stolen. This has been ongoing for XXXX years now. If this was my debit I would have no problem paying it, but this is not my debt. Can someone look into this so I can put this behind me? At the time that this happen in didn't know I had to report this to the police and get a police report. I went to apply for something and when they rejected me I asked them why and they told me I
 
 had too many negative things reported on my credit report. When I told they what happen they asked me do I have a police report on this, and I said no they told me I should have report it and I did. I fought it and explained to capital one, yet the company sued me and has a judgment gaianst me.
Experian received my dispute which included a dispute for an unverified account ( US BANKRUPTCY COURT account number XXXX ) and multiple inquiries which I did not authorize. The company has failed to acknowledge my dispute for the inquiries to be removed as well as for the 3rd time has extended their dispute date for the public record which has now been pushed to XX/XX/XXXX. I am not sure why they are asking for " me '' to wait for them to verify information for an account they should have already verified. I am also not sure why I have to be punished for inquiries that I did not authorize. I am asking them to delete this public record immediately as well as the multiple inquires that I sent to them via certified mail on XX/XX/2017. This public record and these unauthorized inquiries are negatively affecting me and causing me a hardship when attempting to obtain credit.
Removing security freeze. Both online and phone systems for Experian malfunctioning. 

Also failed to process {$5.00} payment submitted during course of failed online processing which referred to nonfunctioning phone # to resolve
someone opened a lowes account in my name i never ever used or opened lowes i never got anything from them, i disputed this and there telling me i benifited which is untrue this is not mind and thre refusing to remove this from my name i never dealtt with this bank and never will
The vehicle financed with Exeter Finance Corp couple of years ago was voluntarily returned to the bank after discovering the car was sold overprice and with interests increasing on a daily basis. When decided to return the vehicle the bank never provided with additional information of the whereabouts of the vehicle ( i.e. they sell it in an auction, etc. ). After a couple of months, I started receiving calls from multiple collecting agencies which all estimated a different amount to pay off the loan finally. When contacted the collecting agencies they disclaimed not longer being in possession of the account, disclosing Exeter Finance Corp should be contacted for further information. The issue is that every single collector presented a different amount, including the bank.
OUR MORTGAGE COMPANY IS TRANSFERRING THEIR MORTGAGES OVER TO ANOTHER MORTGAGE COMPANY AND HAS NOT GIVEN US 30 DAYS NOTICE YET. THEY HAVE NOT GIVEN US A LETTER YET AND THEY ARE TRANSFERRING OUR ACCOUNT OVER ON XX/XX/2018, AND THEY SAID THAT WE MAY HAVE TO MAKE A ONE TIME PAYMENT OVER THE PHONE WITH THE NEW COMPANY AND HAVE NOT EVEN GIVEN US ANY INFORMATION ON THE NEW COMPANY OR OUR NEW ACCOUNT NUMBERS, WE HAVE NOT RECEIVED ANYTHING FROM THE CURRENT COMPANY NOR THE NEW COMPAMY THEY ARE TRANSFERRING US OVER TO. WE HAVE RECEIVED NOTHING IN THE MAIL. I THINK THAT IS WRONG OF THEM TO LEAVE US STRANDED LIKE THIS AND IT IS THE MIDDLE OF THE MONTH AND WE HAVE NOTHING IN THE MAIL YET. THAT IS UNPROFESSIONAL AND UNETHICAL AS A BUSINESS AND THE COMPANY SHOULD MAKE SURE THEIR CLIENTS ARE TAKEN CARE OF BEFORE THEY HAVE DELETED US FROM THEIR SYSTEM AND TRANSFERRED US OVER TO THE NEW COMPANY, IT IS VERY BAD BUSINESS.
Equifax has an on-line dispute program, but the system does not allow a dispute to be entered. After numerous attempts over a period of days I have not been able to access my record to dispute inaccuracies that exist and that have a derogatory effect on my credit score. The preliminary section asks for name, ssn, address & e-mail, and after entering this standard information, I am redirected to a page that informs me that Equifaxs ' records do n't match the information I entered. Seriously, my name, address, SSn and e-mail? Please. Equifax has never adequately removed information and I have filed other disputes regarding their failure to respond to my credit inquiries.