WillisBack/dataset-financial-user-claim huggingface dataset:
After a recent move, found among important papers was a {$1000.00} ( 6 month ) Certificate of Deposit, # XXXX, issued XX/XX/XXXX, by XXXX XXXX XXXX XXXX ( NJ ). I took the CD to what was XXXX XXXX XXXX XXXX ( now Bank of America ) in XX/XX/XXXX ; they had no record and surmised the funds were " escheated '' to State of NJ and as a service, sent them a request. I received a letter from NJ Dept of Treasury, Unclaimed Property Administration, on XX/XX/XXXX, claim # XXXX, stating " unable to locate, '' send further information. They had all the information, a copy of the CD. 
On XX/XX/XXXX. XXXX, we ( wife and I ) went to my local Bank of America branch, XXXX, NJ. The helpful customer service agent re-submitted my claim to State of NJ, and Bank of America research department, Records Management, and said the bank manager would call me within two days. Instead, the bank finance officer called and said there was no record, they destroy records of accounts that have been inactive for seven years. I told him that my account was opened around XXXX and has never been inactive ; with the same account number, ( and a valid mailing address ( until XX/XX/XXXX ) on the CD ). He kept repeating that they have no records of accounts inactive for seven years, again and again. I told him my account was never inactive ; and I have a record, the CD ; I purchased it for security and safety, and if the records are lost, I still am insured against loss. He refused to listen, much less offer any help. The manager never called. 
On XX/XX/XXXX, we returned to the XXXX branch ( BofA ), and another request was resubmitted, and we should expect a " call from Corporate '' by XX/XX/XXXX. No call. 
About 2 weeks later, I received a letter from the research department, they were unable to find an active account! I called BofA Customer Service ( XX/XX/XXXX, XXXX ), and through a number of transfers, reached the CD department. I explained my situation, and after a number of times on hold ( the agent conferring with others ), I was told that inactive accounts were closed after 7 years. I told him " it's not inactive '' and after further consultation, he returned that they destroyed all accounts, active and inactive. I asked to speak to a supervisor ; his " team leader '' would call me later. I asked for a call back number. he refused. 
I have been told along the way, good luck getting your money, many have tried, but have given up after the run arounds, lies, and stonewalling. I have been a loyal customer for at least thirty years ( actually I opened an account there in XXXX after retiring from the Air Force ), loyal through all the changes from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX  and XXXX XXXX XXXX or XXXX XXXX and more. Same account number and mailing address and phone number. 

P.S. I do have copies of correspondence mentioned above, including the XXXX XXXX which has my SSAN on it ; but so does Bank of America, and many phone calls, recorded to mprove service. I will have to Fax what you need. ( I'm not very computer literate )
To whom it may concern : Equifax mishandled my personal information as well as 143 million others. To make matters worse, Equifax did not attempt to contact me about the security breach ; rather, I found out from the news that I should check my impact status myself.
I just found out from their website ( https : //www.equifaxsecurity2017.com/potential-impact/ ) that " Based on the information provided, we [ Equifax ] believe that your personal information may have been impacted by this incident. '' This is unacceptable.
When I opened my account it was XXXX XXXX XXXX. Years later it switched to key bank. The whole transition was a mess. 
They do not stand by what they claim There is a major disconnect in the branches. When you have a banking issue the branch will tell you to call customer service and when you Do they tell you to go into The branch. Mobile deposits get delayed And charge you a over draft. Even when it clearly states if made before XXXXXXXX XXXX there avliabe the next day. I've called and spoke with customer service several times where they adjusted my account for this these issues. Only to have the fees hit my account a day or two later. 
They held one deposit I made at a branch for XXXX days claiming I signed something that acknowledged that. But never showed proof that I did so. 
After countless emails and calls. Over drew my acccount and charged me ovef400 in fees. 
You can never get a hold of anyone, there no chain of command to calll over issues I feel like this bank will hold your deposits or delay mobile deposits to cause your account to be charged over drafts.
I have been attempting to settle or receive a structured settlement with Dyck O'Neal on my 2nd mortgage for over three years. The interest rate is a usurious rate of 11.25 % and my XXXX XXXX has nearly doubled since default. Dyck is the third purchaser of this loan. As a result of XXXX treatments and family related problems, I defaulted on payments. I hired a useless attorney who did no negotiating for me and Dyck has not made any effort to communicate to resolve this problem. I had declared bankruptcy in 2010.
Hello, I am submitting this complaint against Captial One due to non-compliance with a complaint regarding billing. On XXXX/XXXX/15, there was an autopay to Capital one from my Bank XXXX account, which I did n't authorize. I went online and changed my due dates for automatic payment, which the indication that this change would take place promptly. When I attempted to contacted Capital one, after the money posted to my credit card account. I was informed that if I Changed my due date, it would would take up to XXXX billing cycles. I then talked to a manager and informed him that I was never informed about the process of the billing cycle and that this was the second time that I changed my billing date and Captial still charged my account. The funds were n't returned and I was charged an extra fee by my bank. If someone could follow up with Captial one regarding this matter, that would be great!
Fraud by US Bank NA ( USB ). USB claims to be Trustee for a XXXX ( XXXX ), XXXX XXXX XXXX XXXX, which was never created, never funded, and never populated with pooled mortgages. There is no record of this XXXX in the Securities and Exchange Commission 's ( SEC ) system of record, XXXX, or in the State of Delaware ( where USB originally claimed the XXXX was created and where it is domiciled. ) XXXX XXXX, US Bank, Corporate Trust Services, XXXX. XXXXXXXXXXXX, first told me the XXXX was incorporated in Delaware . When I sent the Certified Documents from the DE State Courts proving non-existence of the XXXX, XXXX stated it was not created in DE after all. Then, XXXX confirmed he could not find a record of the XXXX. The same day I spoke with XXXX, his supervisor, XXXX XXXX XXXX XXXX, Vice President, XXXX, US Bank Corporate Services, XXXX, XXXXXXXXXXXX, learned of my discussion with XXXX. In response, XXXX sent an Urgent letter to me via XXXX indicating that the " XXXX XXXX XXXX XXXX is an existing XXXX XXXX '' and that I am to not contact XXXX because he does not handle these matters ; although, XXXX was the key USB contact during the dissolution of XXXX, which included its subsidiary XXXX XXXX. While XXXX was on holiday, I contacted his back-up ( as indicated in his voice mail message ) and spoke with XXXX XXXX, Dispute Resolution Specialist, XXXX, XXXXXXXXXXXX. XXXX also confirmed that he could not locate the XXXX which XXXX continues to claim exists. XXXX has refused to research or provide evidence of XXXX existence for " XXXX XXXX XXXX XXXX. '' XXXX is aiding and abetting the continuation of USB 's fraud. XXXX only concern is USB Risk Management and covering up any wrong doing with complete and total disregard for multiple state and Federal laws. Attached are Certified Documents from the State of Delaware Courts which reflect " XXXX XXXX XXXX XXXX '' being created by XXXX XXXX but not " XXXX XXXX XXXX XXXX. ''
I submitted a several disputes to Experian after being a victim of identity theft -- starting in XXXX. I submitted all the proper documentation. They are continuing to report a card loan that does not belong to me a. I asked for the item to blocked and thoroughly disputed, I also asked for validation proof. They did not respond or send proper documentation. They are now refusing to re-investigate.
We have had two issues with our Wells Fargo Mortgage loan. 
1. During the recent recession we fell behind a few months on our mortgage payments and when Well Fargo Mortgage was unwilling to work with us to keep our home and we were told that the only way to stay in our homes was to file for bankruptcy, which we did in XXXX 2014. 
2. Since filing bankruptcy, we have continued to make our FULL monthly mortgage payments to Wells Fargo every month. Recently we tried to look into a VA loan and were told that our credit report shows us 24 months late on making payments. When we contacted Well Fargo, we were told that part of the mortgage payment is kept by them and then submitted to the bankruptcy trustee, therefore we are considered not to be making a full payment each month. This has damaged our credit in addition to having to file for bankruptcy to keep our home. We were told by XXXX mortgage loan companies that we can not qualify for any type of mortgage loan due to this information. We now must sell our home because we can not afford the mortgage and trustee payments in addition to our monthly expenses. When we sell our home, we do not know where we will live since we can not qualify for a mortgage loan and may find it difficult, if not impossible to rent a place to live. We have repeatedly left messages with Wells Fargo representatives when we make our phone mortgage payments ( which is the only form that we are allowed to make payments ) to have a supervisor call us and to date we have yet to receive any telephone call from any supervisor. We are totally frustrated and despondent over this situation. We hope someone can help us.
Equifax mishandled my information, and the information of millions of other Americans, which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Three Equifax executives sold shares worth nearly {$2.00} million in the company days after a data breach was discovered -- THIS IS IMPROPER. They sold shares before informing anyone of what had happened. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 
I have already requested a credit freeze through XXXX and XXXX costing me {$10.00} per credit service. I will need to pay Equifax to freeze as well. ( Even though Equifax is the one who screwed me over in the first place. ) I will need to pay {$10.00} each time I want my credit unfrozen ( even if temporarily ). 
This Is Not Acceptable. 
Someone needs to pay for this.
I went to apply for a home equity loan and they said I have a second mortgage lien, I searched the county records and found the following. I have no records or accounts with OneWestBank. I want to have the note reconveyed. 


Document Number : XXXX Document Type : XXXX TRUST DEED Recording Date : XX/XX/2010 Number of Pages : XXXX Grantor : XXXX XXXX XXXX XXXX XXXX XXXX : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX Document Number : XXXX Document Type : XXXX TRUST DEED Recording Date : XX/XX/2010 Number of Pages : XXXX Grantor : INDYMAC BK FSB BY RECVR Grantee : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX Document Number : XXXX Document Type : XXXX XXXX DEED Recording Date : XX/XX/2010 Number of Pages : 1 Grantor : INDYMAC FED BK FSB BY RECVR Grantee : ONEWEST BK FSB Grantor/Grantee : XXXX XXXX
I have disputed with LJ Ross Associates about the inaccurate entry that is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to LJ Ross Associates. on XX/XX/2018 and XX/XX/2018 via certified mail. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. LJ Ross Associates did not oblige. LJ Ross Associates letter, ( see attached ), dated XX/XX/2018 does not provide any substantial evidence to support the veracity in their reporting.Since LJ Ross Associates is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.
I FILED A SERIOUS COMPLAINT AGAINST XXXX FOR SELLING DEFECTIVE COMFORTER TWICE TO ME AND REFUSING TO EXCEPT IT ON RETURN. I WANT TO KNOW IF ANYTHING IS BEING DONE? AS THEY PUT A LIE ON MY CREDIT REPORT OF {$140.00}. I OWE THEM THIS IS A RIGHT OUT BLAT EN LIE, I DO NOT OWE THEM FOR SELLING ME A DEFECTIVE COMFORTER
I contacted XXXX in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and Transunion. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and Transunion. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.
I completed the rehab program their collection agency notified me about, and after I completed it, they started reporting my student loans on my credit report after over 8 years of not being on there and demanded much higher payments, both of which were not completely explained to me could happen since my loans were not on my credit report for being so old. I was in prison, which was cause of the default in the first place, so $ XXXX in student loans is currently over $ 29k and growing, despite me paying back for over 7 years. I am not crippled credit wise, and can not maintain the low payments I had been making for those 7 years. If I falter on the unrealistic payments they now expect, the new ding on my credit report will be even more serious. I feel trapped and tricked into doing this rehab, which was primarily done to get away from their terroristic tactics on the phone, which I previously complained about via the CFPB with no results. What was sold to me as a benefit has hurt me financially and also now on my credit with them reporting a previously unreported for years ( as the 7 year credit reporting guidelines expired on it ) and I was not informed it would affect my credit when they offered the rehab.
I have asked this company to very the debt with a dispute letter sent on XX/XX/XXXX of this year as this is not owed. They have not responded and I would like this entry on my XXXX credit report deleted.
XXXX, XXXX AND XX/XX/XXXX I PAID {$19.00} A MONTH FOR EQUIFAX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER XXXX, EQUIFAX, OR XXXX IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.
XXXX XXXX XXXX began calling me 3 weeks ago claiming I had a balance due with XXXX XXXX XXXX ( they have an F rating with the Better Business Bureau ). I had closed my parking account at XXXX XXXX XXXX   at XXXX XXXX XXXX XXXX in XX/XX/XXXX with no monies owed. JNR claimed I owed different amounts to the facility, during the first call they claimed a balance of $ 300+, in another call JNR they claimed it was {$170.00}. 

I experienced bad service while a customer at XXXX XXXX XXXX XXXX : 1 ) XXXX XXXX  could never get my tag to work through the front entrance..I had to enter through the back alleyway ( they never fixed the problem ), 2 ) I returned my fob/tag to the facility and did not receive my deposit back, 3 ) I often found XXXX  employees sitting or leaning on my vehicle when I was parked near their valet service, 4 ) I could not get 24hr access to my vehicle, the XXXX XXXX XXXX was often " on break '' during non-peak hours, 5 ) When I had to enter through the XXXX lobby I was frequently treated unprofessionally and asked questions or denied access ( profiling -yes! ) I contacted XXXX XXXX XXXX directly via email ( my phone call messages weren't routed or returned ). I worked with a representative named XXXX. I forwarded XXXX the email correspondence from XXXX XXXX and XXXX XXXX from XXXX XXXX two representatives that I had previously worked with to close my account. On XX/XX/XXXX, XXXX emailed me acknowledging that XXXX XXXX was going to remove all fees, clear the account and remove JNR 's collection actions. I have this email from XXXX as proof. 

To date - I am still not sure if my account was cleared. JNR has still contacted me. When I followed up with XXXX regarding this matter, she replied that she will leave the account open with JNR and they will be my only means of contact. XXXX at XXXX XXXX will no longer reply to my emails or provide any details. 

JNR has refused to investigate the matter. The last representative I spoke with gave me a non working number to contact XXXX XXXX again. JNR has been unwilling to investigate this matter saying " it is your problem '', all they ( JNR ) have to do is " provide ( a wrong ) contact number to the business ''. 

I am getting the runaround from JNR and XXXX XXXX XXXX, neither company is working on my behalf to clear my account. XXXX  XXXX agreed to clear my account and then didn't follow through. 

This treatment is unprofessional, unethical and possibly illegal.
I have an account with paypal, on XX/XX/XXXX, i requested {$150.00} out of my balance with them to be transferred to my linked checking account with XXXX XXXX XXXX Paypal apparently reduced this amount out of my available funds balance and shows the transfer to have been completed. 

However my bank never received this money as late as today, XX/XX/XXXX As a result my money is now neither with Paypal nor in my Banks checking account and im unable to use money that is rightfully mine Telephone calls made to Paypal multiple times have not resulted in any satisfactory action or resolution and the customer service reps at Paypal are simply not able to offer any reply to this
External Bank Transfer of funds from Associated Bank to XXXX. On XXXX XXXX, I scheduled to have {$530.00} transferred from Associated Bank to XXXX. The transfer was selected to go through on XXXX XXXX. I have transferred money a few times and never had issues receiving the funds on the day of transfer. I checked XXXX on the XXXX and saw no deposit. I checked Associated and the funds were pulled out of my account on XXXX XXXX. I waited until the XXXX and still saw nothing. I called XXXX and was told there was no funds being deposited into my account. I then called Associated who told me that the funds had been pulled, and were processing at the Federal Reserve and I wo n't be receiving them until XXXX XXXX or XXXX. I asked for the Federal Reserve number, and was told they do n't have one. I requested to cancel the transfer and was told I could not. I do n't know where my money is. This has never happened in the past, and I know the information Associated provided was a lie.
In mid XXXX XXXX, I initiated a re-finance of my home mortgage through my then current mortgage company, Cardinal Financial. On XXXX/XXXX/XXXX, I paid {$600.00} to Cardinal ( over the phone ) using my XXXX XXXX XXXX card for an appraisal. 
On XXXX/XXXX/XXXX I emailed the contact at Cardinal Financial ( XXXX XXXX ) and informed him I was canceling the process and requested a refund of my {$600.00} appraisal fee. He responded to the email acknowledging receipt. 
Also on XXXX/XXXX/XXXX I began the re-finance process with XXXX XXXX XXXX. I paid them an additional {$600.00} appraisal fee. 
On XXXX, I received a call from an appraiser ( XXXX XXXX ) to schedule an appointment for the appraisal. He came on the morning of! XXXX/XXXX/XXXX. I contacted him at the curb on arrival and it occurred to me to ask him to confirm that he was there for XXXX XXXX XXXX. He said he was there for Cardinal Financial. I explained I had decided to switch mortgage companies and canceled Cardinal three days earlier. I asked if the appraisal could be used by the new mortgage company as both re-finance applications were VA. He said no, so I canceled. The same appraiser called me two days later and re-scheduled the appraisal on behalf of XXXX XXXX XXXX and subsequently completed the appraisal. 
After several email and phone conversations with XXXX XXXX of Cardinal Financial inquiring about my refund I was referred to the VA. I spoke twice with XXXX XXXX at the VA. He said I had paid the fee to Cardinal Financial, not the VA. The VA does n't receive or handle the appraisal fee and Cardinal Financial was responsible for the refund. 
On XXXX/XXXX/XXXX I again spoke with XXXX XXXX and demanded my refund. He said he would refer my request to the proper person at Cardinal. I followed up with an email synopsis to XXXX XXXX. 
As of XXXX/XXXX/XXXX subsequent phone calls have not been returned and there has been no response to my email. I have not received the {$600.00} refund.
Hi, I have XXXX mortgages with Nationstar Mortgage, all of which are automatically deducted from my checking accounts. In XXXX, I was the victim of identity theft which prompted my bank to lock out access to my accounts. Unbeknownst to me, this prevented my accounts from automatically paying XXXX of the loans ( XXXX ). 
Nationstar did not notify me of this problem in writing ; its agents called, but inexplicably failed to leave messages so I had no way of knowing who was calling. Moreover, I was on extended travel in a remote location and so could not access my accounts to investigate any potential problem. 
I called Nationstar and paid the past due amount, the current amount, the next installment and restored the auto-pay feature. I even paid the {$4.00} penalty. 
I asked Nationstar to consider removing the derogatory incident from my credit report given that it was caused directly by identity theft and that I had made a good faith effort to correct it. Nationstar asked me to submit proof - which I did - via email but then did not respond. In addition, it assessed an inexplicable {$3.00} charge to my next statement.