WillisBack/dataset-financial-user-claim huggingface dataset:
I have a home loan with M & t bank. I 've never been late. Even now. 
Part of my loan had a requirement that I open an M & T bank account and the loan payment is pulled from there into the loan. 

For XXXX yrs I 've had an automated transaction from my XXXX XXXX account to move {$580.00} into my M & T account. The loan payment is about {$570.00}. 

I always check my digital email receipt of the wells transaction and my physical loan mailing update to make sure all is ok. 

A week ago, M & T calls me to tell me I have overdraft charges. I assumed my automatic transfer of {$580.00} from XXXX XXXX to M & T failed. But it worked and my loan was paid up to date. I asked " how do I have an overdraft then? ". Them " well you did n't pay the fee '' Me. " what fee? 

Basically, they created a {$15.00} " under {$500.00} '' fee on my account that I was required to have. They may have sent snail mail to me but I have a XXXX ratio of junk mail from them so I only read my mortgage mail. My mortgage was up to date. 

I had been paying {$2.00} more a month and they took the fee out of that. When that was all taken they gave me an overdraft of {$80.00}. They say they ca n't refund it and I owe them {$5.00}. They " changed '' aka fixed my account so I is only for transfers but they ca n't " undo '' {$80.00} fee. Working with databases and CC transactions I know that is a complete lie and it 's just a rule to screw over customers. 

I have never been late. I want my money back. 

I was paying them on time for XXXX years. They make a profit off that. They charged me a fee on an account that I was required to have ( profit on profit without extra work on their side ). They did n't properly alert me to the fee ( not thru email possibly hidden in junk snail mail offers ). They took my money and then fined me for the unpaid fee that I was n't alerted about on a required account for a profitable transaction. 

Again, I have never been late. I have never used that account for anything other than my loan transfer. 

What can I do? They said a manager would call me back after they called back and told me my request was " declined ''.
My bank was served with a " notice of garnishment '' for my parents. My bank withdrew all of the money from my checking account instead. I live in a different state than my parents, and I had to work with that state department of revenue to reverse the garnishment order in a case of mistaken identity. My bank then charged me a " non refundable processing fee '' of {$120.00}. I brought this up with the bank, and painstakingly worked my way all the way up the the head manager of the main branch bank in my city. In my meeting with them, they said they would remove the fee if they could, but even as the main manager, they were not given the ability to remove the fee because the charge came from the banks " legal department ''. I would have to take it up with them. I asked them for the contact information for the legal department, and the manager said, 'There is no phone number for the legal department. ' So essentially I was charged {$120.00} for my bank wrongfully taking money from my checking account in a case of mistaken identity. : -/
14 years ago I got calls for XXXX from collection people. I told them all to stop calling I AM NOT XXXX. NEVER knew XXXX. STOP. CALLING. 
They stopped but to this day my credit report has AKA XXXX. XXXX times I have sent letters to all XXXX credit co. I Have NEVER gotten a response. 
I tried to start my social security retirement on line but when asked questions to verify my identity I got the questions wrong. I was asked questions about recent transactions and I have none. I have no major purchases. I bought a new FORD FUSION for cash three years ago. When I tried to renew my passport I got those questions wrong too. I have to drive XXXX miles to a government office to prove who I am. This STINKS. 
I want the AKA of XXXX removed from my GOOD name and credit. 
I would like to know who has the authority to place an AKA on my report. 
I would like to sue for slander who ever did this to me.
Son Graduated in 2007 with debt of {$85000.00}. I am the co-signer and have paid a total of {$98000.00} to date and they say I still owe them {$100000.00}.
In 2010, XXXX attempted to collect {$200.00} for an account that was closed for 5 months. In 2010, XXXX closed the collection request accepting that it was their error because I had closed the account and yet they accidentally continued to bill me. The problem is that XXXX confirmed that this was not my fault and paid on time up to their agreement, however, West Asset Management ( XXXX collection agency ), still has me owing money. This is showing up on my credit report still as a negative item.
I emailed MOHELA my student loan service company on XX/XX/XXXX asking for an amortization schedule. On XX/XX/XXXX, I received a response that i would receive a response within 7-10 business days. On XX/XX/XXXX, i submitted another request for the amortization schedule. On XX/XX/XXXX, i received a reply that the schedule was mailed to my home address. On XX/XX/XXXX, i received a letter from MOHELA indicating my monthly payment amount, my repayment plan, the interest rate, and the terms of the loan. On XX/XX/XXXX, i called MOHELA to inform them that i did not receive the amortization schedule. I spoke with two customer service representatives. The second customer service representative told me that i could not receive a schedule because i may make an extra payment, or make a late payment, or my interest rate may change therefore they could not provide a payment schedule. This is despite the fact that i have auto-debit, have made on-time payments for the life of the loan, and have received an amortization schedule from other student loan servicers.
I have been trying to make payments for my student loans under the XXXX program. However, every time I make any change to my account, I am given bad or incorrect information regarding how to make payments, when payments will be made, how long changes to my plan status will take to be changed, etc. Each of these delays costs me XXXX of dollars in payments and interests and delays the time in which I will be finished with my payments. FedLoan Servicing has been terrible regarding the information that they give me, which is extremely inconsistent between customer service representatives and has caused errors in my payments and processing.
Key Education Resources is by far XXXX of the most burdensome entites to work with. I have several student loans with them totaling about XXXX which my father co-signed on. They are insisting in locking me into a 5 year repayment plan, and will not allow me to extend the payments to anything longer which would help mitigate the cost of the loans. I fell behind on the repayment terms as it 's become impossible on my income to repay the loan on the terms they are insisting. I have tried to work with them several times and even though I have deferrment time left on my loans ( They give you 18 months ) they would not allow it. I asked for the loan to be placed in forberance as I had about 10 months of time left. They then changed the terms of the loan and sent me paperwork that clearly stated XXXX was for a LOSS MITIGATION and not a FORBERANCE. They have outright lied to me, changed the terms of their agreement, locked me into a repayment plan I can not afford, and I feell I ma left with no choice but to voice my concerns and grievences to you about Key Education Loans and Resources.
My student loan that was taken out with XXXX was being paid by my mother. In XXXXX  of XXXX my mother was diagnosed with XXXX XXXX. With that diagnosis, she underwent a XXXX XXXX and is now during XXXX. In the midst of all the heart ache and worry about my mother, I was not thinking about my student loan with XXXX not being paid. When I called the company to explain to them what happened, not only did I not even get any sympathy from the representative, but there was absolutely no consideration made due to the circumstances stated. I have paid little amounts monthly due to not being able to pay the full amount. I have called numerous times to attempt to lower these payments and has been unsuccessful.
On XX/XX/XXXX at XXXX, I began receiving phone calls on my office line ( which I never provided to Portfolio Recovery or any old employers, since I have not been with this employer long ). Personal calls are not permitted on our phones, so I am facing disciplinary action or possible termination if it continues. 
Since then, I've received multiple calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I reached out via email to ask that they cease and desist contacting me period, but especially at work. 

My credit report does not indicate any past due or collections. All of my credit cards and my auto loan are in good standing.
received a statement from Convergent Outsourcing , Inc. stating that I owed XXXX XXXX {$150.00} when I 've never had a XXXX account. I called XXXX to verify that I did not had an account.
Shortly after re-structuring my monthly mortgage payments, I received a notice without warning or explanation indicating that my mortgage would be increased by approximately $ 400 monthly due to an adjustment in my escrow account. TruHome Solutions could nt explain why my escrow needed to be adjusted as neither my taxes nor my home value had changed. During this process I renegotiated my insurance premium and used the difference to pay off the shortage in my escrow as reported by TruHome Solutions, however, I had still not received an explanation for the drastic increase. After making payments and paying down outstanding escrow balance, TruHome reported that the reason the escrow was raised was because I missed a home owners insurance payment and they were forced to make the payment for me. I indicated that this was absolutely false and requested a refund of my lump sum payment as well as adjustment in my monthly payments back to the agreed upon re-structured monthly rate. Additionally, I noted that during the process of reconciling my mortgage balances, that TruHome inaccurately reported my mortgage late with credit reporting agencies. I 've asked repeatedly for this to be addressed as well to no avail. TruHome has repeatedly demonstrated irresponsible handling of my account, erroneous reporting, and mismanagement resulting in a devastating impact on my credit rating..
Only one payment behind and called numerous times daily. When asked to wave late fee, reply is that it is credited on the end of the balance. ( not helping me to catch up the late payment now ).
We have been working with a third party short sale processing firm in order to complete the short sale of our home. Chase has refused to review the short sale for approval without the approval letter from the junior lien saying that they are willing to accept {$1500.00} to release the lien. 

The third party company has worked hundreds of short sales where these mortgage banks WILL review the short sale with a preliminary HUD settlement statement WITHOUT having any settlement letters from the junior liens, 2nd mortgages, HOA 's etc. 

Not only that, but they have worked with Chase in short sales before whereby they have NOT asked for the junior lien, 2nd mortgage, HOA etc approval letters BEFORE reviewing it themselves. 

The third party company has already escalated the issue within Chase with multiple managers, the Military escalation department, and the Consumer Advocacy department to no avail. This needs to be completed now.
Around  XXXX  we took a loan out wit h Sterling Bank  in  XXXX  Oregon. To make payments, we had to have a checking account with  Sterling Ba nk. Each month an auto payment was deposited into the checking account. After that, the money was rolled over into the loan to make payment.    Time has passed, Sterling Bank bec ame part of Umpqua Bank. For a few more years, there was no change in the initial process. A while back, I started to note {$3.00} charge for paper statements while I was receiving it electronically as well. I contacted the bank and was not able to resolve that issue.    Today   XXXX   XXXX ,  XXXX , I got into my account via online but was not able to see any information regarding the checking account or the loan. Therefore I contacted Umpqua Bank. The  Umpqua Representative questioned me about identification for security which I gave and understand.  Then the representative began to ask me specifics about the account which was why I was calling. My online bank account did not give me any information besides my personal information. She then required that I find a bank statement to provide the information. While getting the bank statement, I found a letter dated  XXXX   XXXX ,  XXXX , from Umpqua Bank. The letter ( in part ) said we have noticed you have not used your account for over 24 months. This classifies your account as dormant and therefore subject to a monthly service charge of {$5.00}.   At this point, I had my bank statement and asked about the  XXXX  dollar charge. Th e Umpqua  Representative responded that it was a federal law. I explained that it was not dormant because a not all payment went into checking, a transfer occurred to the loan and Umpqua Bank is charging 7.75 % interest on the loan. She explained that if I did not physically do anything with the account, it was therefore dormant. I asked her how this could be in a day when technology allows us to take a picture of a check. There are less and fewer bank consumers doing their banking physically. She continued to deny that the account was active and there are numerous {$3.00} charges as well as who knows how many {$5.00} charges have occurred.   At this point, I am being told by the  Umpqua Representative that my account is dormant while Umpqua Bank is making roughly {$100.00 } plus dollars and charging an additional {$3.00} along with {$5.00} each month. I find it difficult to believe that this is a law and request assistance.
On XXXX XXXX, 2016, several fraudulent charges were made against my Paypal account. After working with Paypal I was able to get XXXX of them reversed, however the largest one, a personal charge issued to a man apparently located in XXXX, was ruled against me. This was communicated to me with vague language and no explanation, and when I tried to find out way I was told that because I 'd informed my bank that these charges were fraudulent and my bank had ruled in my favor, Paypal had opted instead to stop trying to charge my bank and instead charged my Paypal account directly. I know noone in XXXX, have never been, and have no family or other connections to the country, and object to both their ruling against me and the lack of any details as to why they did so, combined with their refusal to provide me further information over the phone.
Dispute Over Inquiries on TransUnion Credit Report- Unauthorized AccessI contend that all of the inquiries made by TRANSUNION XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX CA XXXX, on XX/XX/XXXX, on my TransUnion Credit Report are unauthorized and must be removed. Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent TransUnion credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.
Was trying to cash a small check and was denied. Called Certegy and disputed the charge that they had on file which was dropped. After receiving a letter today, I noticed a check presented to XXXX store XXXX check # XXXX on XXXX/XXXX/15 for {$94.00} that is not mine. I do n't write check except for my utilities. Very concerned since its my State I 'd # bit not my check.
I have sent information to XXXX on several occassions regarding a home that I sold in XX/XX/XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( XXXX  ) states that a creditor received a deed ( XXXX ) what creditor.Foreclosed I have never lost a house as XXXX XXXX XXXX was paid and also requested XXXX and to take the word Foreclosure off my record. That was done by XXXX XXXX @ Executive Mortgage Complaints Office of Executive Complaints XXXX XXXX XXXX, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX  and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX   requested 4 times and 4 times for what as XXXX had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX  on XX/XX/XXXX reference number # XXXX. XXXX XXXX  phone # XXXX. ( XXXX I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and XXXX says that they have no number. Come on The IRS.And XXXX  Inquiry on XX/XX/XXXX for what?.
I never do this but my disappointment in USAA is extreme. I have been a member for 20 years. I was an employee for 6 years, and for the life of me I ca n't understand the way this bank has changed. Today I made a mobile deposit using a money order. Without prior warning before the deposit, my funds were put on hold for a week. I make this same transaction every month to pay my rent but for whatever reason this time my funds have been placed on hold. I was transferred to the executive resolution team and was told they will review for an exception. I was denied this because, I do n't deposit enough money to get the exception. What kind of treatment is this? I have a direct deposit every  2  weeks, and the solution I was given is to apply for a USAA credit card or borrow the money. Unbelievable USAA. What is the difference between you and  XXXX   XXXX  or  XXXX  or any other big bank that only cares about their profits. Do you even remember what it means to serve? What does  XXXX  stand for USAA. Lesson learned. Sure my rent check will be returned and you will charge a NSF fee as well as whatever fees my landlord is going to charge. Thanks  XXXX
I received a court order of wage garnishment. I have no way of contacting the supposed lender and no one can give me there contact information to find out about the loan and see if I indeed do owe the amount, and if i do to work out a payment plan. I have until XX/XX/2018 to respond to the Law office of XXXX XXXX XXXX. I called them and couldn't get any info on debt collector and they were unwilling to work anything out other than what was on the notice of court proceedings.
I currently have an account with Stellar Recovery Inc for XXXX with XXXX. XXXX are charging me with giving back the equipment which I already did. I have my recent and XXXX still has n't changed the information. This account should have never been on my credit report and I 'm requesting removal.
On XX/XX/XXXX, I contacted Bank of America to advise them that I was overcharged for internet/phone service by XXXX on XX/XX/XXXX for {$65.00} and XX/XX/XXXX for {$65.00}. The internet/phone service was cancelled with XXXX  on XX/XX/XXXX but the merchant continued to charge the credit-card account. Bank of America failed to investigate the complaint and did not address the dispute within the required 90-day time period requirement as mandated by the Fair Credit Billing Act. Instead, on XX/XX/XXXX, Bank of America sent a letter indicating that they could not help me because " the merchant have the right to receive payment for any services that were rendered, '' -- which obviously shows that Bank of America did not investigate this matter because the entire dispute hinges on the fact that services were cancelled with the merchant, not about the quality of the product/service. 

Please review and advise. Thank you.
I have a identity theft report on file with Equifax, I followed the procedures for reporting fraudulent accounts on my credit report and Equifax refuses to comply with the FCRA law regarding to the reporting of ID theft by a consumer. I was not given notification that my report was received and being investigated AFTER the original 4 days that Equifax has to block information from my credit report. I was not given a clear reason as to why Equifax refuses to remove, block or delete these items, I am consistently told that its proprietary information and I am not privy to the information. These items are not mine and Equifax 's refusal to remove these from my credit report is hurting me financially, and is causing me to suffer by not being able to obtain credit that i rightfully deserve.
Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for XXXX XXXX XXXX was placed within my credit file in XXXX, 2017. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon Equifax to follow the law : Either provide documentation that the law was followed by contacting XXXX XXXX XXXX at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX
EOS CCA is reporting {$120.00} to my credit report. I spoke to six different employees and I am not confident they are doing anything to research and remove this erroneous information.