WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, this is Regarding a US Bank summer promotion that gives a {$200.00} bonus after doing 2 bill pays of more than {$25.00}. I have yet to receive the bonus after multiple contacts with US bank, here 's a timeline. ( The bonus is maximum 60 days to be dispersed out ) 1. Opened account on XXXX/XXXX/XXXX, shortly after met the requirements of 2 bill pays. 

2. Emailed US Bank on XXXX/XXXX/XXXX regarding when I would be receiving my bonus. Was told thanks, I met the requirements, and that I would receive it no later than XXXX/XXXX/XXXX. 

3. XXXX/XXXX/XXXX still no bonus, emailed US bank they said I have to wait 7-10 more days and are going to " investigate. '' Unfair and unacceptable.
XXXX XXXX, 2016 Attention : Consume Financial Protection Bureau RE : ShellPoint Mortgage Service Corp. 
XXXX XXXX XXXX, XXXX XXXX Subject : Loan Modification [ XXXX ] Loan # XXXX To Whom It May Concern : My name is XXXX XXXX, I 'm filing an official complaint against the ShellPoint Mortgage Service Corporation who contacted me two months ago regarding my loan that is now in their possession. I attempted to work with them by letting them know that I would like to modify the loan to an amount that I can afford but they informed me that I can only do the following a repayment plan, short sale, transition assistance or pay the loan off completely. They are unwilling to work with me. 
For over five years I was contacting XXXX XXXX XXXX, to attempt to modified the Loan and every occasion they were refusing to speak to me because my name is Not on the Loan. My deceased husband XXXX XXXX XXXX was the only name on the Loan Note and I hold the DEED of TRUST in my name. 

In last two months after I received a several letters from ShellPoint letting me know that they are now handling the services on the loan and they are unwilling to work with me to modify the loan so I have contact XXXX for them to me assistance in Modifying my loan. 
XXXX XXXX XXXX is the Loan consultant and contact person at XXXX who is trying to work with me on this matter. However, ShellPoint continued to refuse to provide XXXX or myself with any information on the loan because XXXX of their ShellPoint rules, unless I take actions on their recommendations which are the following : repayment plan, short sale, transition assistance or pay the loan off completely. 

XXXX is working on a modification plan which will allow me to stay in my home that my deceased husband and I purchased together. I really want to stay in this home, I am retired and over the age of XXXX and with my retirement checks I have the means to make payments on my home as long as the loan is modified. 

Please advice me of my rights in this matter and I hope with your assistance and support it will allow me stay in my home. 

Again, Thank you in advance, Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Email : XXXXXXXXXXXX
In XX/XX/2018 I contacted Equifax in regards to an account namely : XXXX XXXX XXXX XXXX XXXX, which appears on my credit file. This is NOT my account and I have made several attempts to have this item block from my credit profile. 

I have suppressed my personal information with XXXX XXXX and I have corresponded with the circuit court of XXXX county, AL which indicated in a letter to me that they do not report information to the credit bureaus.
My brother has assumed responsibility for paying this account, and he has made late payments. I have no way of being notified that late payments are due or that they are going to be past due and my credit score is suffering, as they are reporting XXXX lates as of right now.
Debt was owed from my previous employer for which I worked as  XXXX  employee. They somehow personally made me personally responsible and damaged my credit. We have written them via certified mail and they refuse to answer proof of debt. Never notified me of a debt owed and called family members, harassed me, threaten to sue all for a debt that is not mine and ruined my perfect credit for which I lost a home refinance and credit card due to my lowered score.
I have expressed that the following addresses are incorrect and that they need to be removed. I have also called all collectors to update my only address that needs to be on file. The following names are also incorrect and have never been linked to my social security card. My phone number on file should also only be XXXX instead of this long list of phone numbers that are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I sent over my DL and social security card with my name listed as XXXX XXXX XXXX XXXX and my address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
XXXX XXXX, XXXX bac XXXX XXXX XXXX XXXX, XXXX GA XXXXThe parties above, Has all committed Fraud and not allowed me to apply for short sale by home and by NOTgiving me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Has committed Fraud by not giving to me the correct " notice '' that B of A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXThe parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXXResend and STOP THE Foreclosure, HAVE THE BANK WORK WITH ME TO START A SHORT SALE AND HELP ME TO KNOW FOR SURE WHO IS THE CORRECT SERVICING LOAN MORTGAGE COMPANY. 

The parties below, Have all committed Fraudand are planning a foreclosure sale on XX/XX/2015 in XXXX XXXX GA. 
Bank of America Mortgage XXXXandXXXX XXXX XXXX XXXX XXXX, XXXX bac XXXXALL the parties above, Have all committed Fraud and not allowed me to apply for short sale by home and given me the correct " notice of service '' to foreclose my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by not giving to me the correct " notice '' that Bof A is not the mortgage servicing agent to pay the monthly payment for my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX the parties above, Have all committed Fraud by their refusal to permit me to apply for HARP to lower my home loan payment to avoid the fore-closer of my home at XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX XXXX XXXX officeXXXX cellXXXX XXXX XXXX officeXXXX cell
I sent 3 letters so 1 letter for each bureaus experian XXXX and XXXX in the letter I sent it states that I want proof that the debt supposedly I owe is mine so I'm asking a signed contract with my name on it i want proof if they dont provide the proof witch they are suppose to have then they have to delete it right? I sent my letters back in XX/XX/ 2018 and havent heard any response or updates to my credit report.
I changed my XXXX phone plan to a military plan and 6 months later, I received a bill that said I owed {$940.00}. When I paid my new plan I received a new phone. I was told all charges were taken care of and there was no additional charge by the sales person. I gave them my phone and received another one. Now, XXXX XXXX XXXX is threatening to ruin my credit. I have always paid my bill by automatic deduction and have never been late. I asked them to provide a copy of the contract and show me where I am in violation of the terms and why I was penalized. She was unable to provide. She checked the e-signature and said I never signed it. 

This is totally wrong ... I was told there was no additional charges as long as I received a new phone from XXXX.
Pay Pal fraudulently withholding my funds after randomly closing my account without explanations.
date XX/XX/2014 {$2500.00} I CALLED USAA and I complained that I had missing money in my account. and I asked to investigate why I had no money in my account.
For the second time in a year, Wells Fargo Bank ( WFB ) has just put my savings account into dormancy, despite my making deposits every two months for years, and a withdrawal today, all via Automated Clearing House ( ACH ) using another of my financial institutions. 

WFB 's recent email notice of this dormancy states the following to reactivate an account : " You can easily reactivate your account by promptly doing one of the following : Sign on to transfer money from or to this account with another Wells Fargo account Make a deposit into this account using Wells Fargo Mobile ( R ) Deposit, or at a Wells Fargo ATM or store Make a withdrawal from this account at a Wells Fargo ATM or store Write a check that is paid from this account '' My savings account has no checks. After communicating online via the XXXX website with " XXXX '' ( WFB online agent ), it became clear that WFB insists on physical presence in a branch to do a transaction, or use of a Wells Fargo ATM, to maintain " activity ''. It intentionally ignores my frequent and timely deposits via ACH into this account. 

A State of Georgia website indicates that to be declared inactive or dormant, a bank must " lose contact '' with a customer for an extended period. It says nothing about requiring physical presence in a branch or using a bank 's ATM to maintain such " contact ''. 

This dormancy policy practiced by WFB should be banned by CFPB, OCC, and other relevant regulators. It is very inconvenient and aggravating to get such an account out of dormancy ( last time XX/XX/2016 it required a hour or so in my local branch # XXXX, at XXXX XXXX XXXX, XXXX, XXXX, GA XXXX ). 

I spend half the year overseas, thousands of miles away from any WFB branch or WFB ATM. I will not return to the XXXX until XX/XX/2016 to fix this problem. 

Please work to require WFB to recognize ACH-mediated deposits and withdrawals initiated by an account holder from another financial institution as " activity '', denying the bank the ability to put an account into " inactive '' or " dormant '' status. 

Thank you.
Lender constantly changes the terms of the loan on a nearly monthly basis then applies bulk interest amounts ; unknowingly to myself and without notification.
I was on section XXXX or government housing in 2010 the companys involved will not release the contract or proof how I owe rent. I have tried may times to dispute this and I eveneed tried to settle. The company are unwilling to do anything.
I sold a A XXXX XXXX Treadmill on Ebay and at the time of listing Ebay recommended Pay Pal as the Agent to receive payment from the buyer which is what I did. The item was listed for {$350.00} and the the buyer offered {$270.00} which I accepted. The listing for sale stated ( 1 ) Local Pickup, ( 2 ) No warranty. ( 3 ) No refunds. The item was in excellent condition and the buyer Paid the full amount {$270.00} to Pay Pal who advised me that the payment was made, the Buyer contacted me and was able to pick up the the item on XXXX XXXX. and thereafter wrote on Ebay 's feedback " Outstanding transaction, Excellent Seller '' When later that day I contacted PayPal about my money I received an email from them stating that it would be 21 days or until XXXX XXXX before they can release the money to me. It was pointed out to them that no such disclosure was made to me before and the item was sold as is without any warranty or refund, and further the buyer has my goods enjoying the use of it and I do not have access to my money because they are unjustly holding it for no justifiable reason they have refused to release it even though I have satisfied all conditions of the sale.
We refinanced our mortgage in XX/XX/XXXX. We are just finding out NOW, 14 years ago, that satisfication of mortgage was never recorded at the county. It seemed very strange that we had refinanced XXXX times since XX/XX/XXXX with XXXX XXXX, but apparently this was missed - THREE times. After speaking to XXXX XXXX to ask why a title search was never done, they said that is the title companies responsibility ( which seems rather puzzling thinking this is what we paid closing costs to have the confidence that the tiltle had been searched ). 
The servicing company that we had previously was called XXXX XXXX. It took me months to go back 14 years ago to find this information. Would have been a lot easier to track a year later when refinanced in XXXX. XXXX XXXX is out of business and merged with a company called XXXX XXXX XXXX. XXXX XXXX XXXX changed its name to Seleect Portifolio Servicing. This company ( Select Portifolio Servicing ) is who we have been trying to get this satisfaction of mortgage from. Even though this shows paid in full on XX/XX/XXXX on our account - no one seems to be moving on this, calls me back, etc. even though I have requested escalated status and call several times a day ( several supervisors who never call me back ). We want to take out a small home improvement loan and we are not able to do this since this lien still shows on our title. It has been a nightmare dealing with this for the last two months. Is there a law in MN that this needs to be released in 60/90 days. We are at 14 years and STILL waiting. 
Please help ... ..thanks
I was recently denied a student loan by the XXXX XXXX XXXX because of information reported by Equifax. They had someone else 's name, birthdate, and various accounts on my credit history that did not belong to me all under my social security number. They falsely claimed that I had a XXXX XXXX XXXX credit card, XXXX account, and XXXX XXXX car loan all opened between XX/XX/XXXX with a combined debt of more than {$4000.00}. I filed a dispute, but the company has still neglected to remove all the accounts that do not belong to met.
I spoke to the creditor XXXX whom now owns XXXX XXXX. Explaining I had moved away during the time frame in dispute. The account was reactivated as a result of identity theft. The company told me these facts, I agree. Therefore I am not responsible for any charges. 

The collection company has reported the debt in duplicate on my XXXX file and continually verified as accurate, violating the FCRA. 

The collection company has re-aged the false debt in its reporting as a matter of fact. 

The company has failed to act on my request to stop collection efforts and return the file to the creditor XXXX XXXX XXXX.
I have been a XXXX cellular customer for over XXXX years until the year of XXXX. XXXX promise there customers that for an upgrade fee and renewal of the cellular contract, the customers will be getting XXXX cellular service. I renewed my contract thinking I was going to get faster cellular and internet service. This offer was back in the XXXX. After I accepted this offer I did not get XXXX service, instead I got slow connections and a lot of missed and dropped cellular calls. This went on for months and XXXX did not deliver as promise. After I contacted XXXX and tried to get an explanation, I got a lot of apologies and no result or change of service as promised. I then contacted them and told them that the lack of their promised service which I was paying for was a breach of contract and I was not getting service as indicated in the cellular service contract. I then spoke to someone in sprint and they apologized for this inconvenience and I ended my contract and switched to XXXX cellular service. After a few months with XXXX, I received a collection notice from XXXX advising that I owe them money for breaking contract. I thought to my self wow after they did not deliver service as agreed on their contract they want me to pay after I spoke to them and they agreed that they were not delivering the service as promised because of some issued they have with a XXXX contractor. This is an unfair business practice and I immediately contacted the XXXX, XXXX and XXXX to notify them of this issue. This was back in XXXX. After the investigation was made against XXXX collection department ( Diversified Consultants ) they found that it was not accurate and deleted them off my credit file. Now this year on the month of XXXX, XXXX re-reported the collection as if it was a new debt using Diversified Consultants to XXXX, XXXX and XXXX. I then sent XXXX, XXXX and XXXX a letter notifying them that this was a duplicate collection and that the contract was legally broken and I did not owe then any money. Well unfortunately this time XXXX, XXXX and XXXX refused to delete the information and wo n't recognize this as an invalid debt even when it is an invalid debt. Please help me to resolve this issue and stop this unfair practice.
I Was contacted by student loan relief department about a " loan forgiveness program '' and how they can help reduce paying loans at low cost monthly depending on one 's gross income and household in XX/XX/2017. Asking for personal information, identification, pay stubs, number of household, bills, and account number, employee information. 
Then, I am contacted by a third party Equitable Acceptance Corporation who has the information that was provided to student relief department claiming they will handling my loan and being my loan servicer explaining they will helping me pay my loans as a college student. Explained, they had calculated everything and my monthly payment will be {$49.00} for loans. I have paid them for 5 months. Until my federal loan service contacted me saying I don't have to pay loans due to me still being in school and taking classes. I informed them that I had already begun giving payment to my loans Until, they explained they have received no amount toward loans. I discussed and they explained about third party scams and said, to contact my fedloan.gov file a complaint as well as federal trade commission to change my username and password as well as contacting my bank to block the Third Party Equitable Acceptance from auto enroll from my account due to the fact that they have ALL my information, Social and more that could potentially damage and charge under my name. As I did all those actions they have continuously call me everyday, leaving voicemails and to an extent of reaching to my employee job office to have me pay. As my employee office provided them no information of mine thankfully. Yet still they continue to harass me explaining something is wrong with the account. Being misinformed that I would be in a contract and paying this third party Equitable Acceptance whom My payments were suppose to be toward my loans nothing for I, the consumer. I'm in utter disbelief and misinformed as they had contract apparently for 4 years or more for a servicing nobody but themselves. As I still have to pay my loans serperately. I contacted student relief and was unable to provide me with accurate information about this program. Still the woman seemed unsure. I tried contacting the person who " helped me '' with all the information and the number did not work nor information. As I asked them what their program does and the woman continuously avoided the question as to how this loan forgiveness program works. They are aware of Equitable Acceptance and ended up saying good luck to contact, but won't be able to do anything because I signed a contract. A contract that I was completely misinformed. They Third Party Corporations know what they are doing, and have a way of convincing they are helping with Federal loans, and are part of program yet they are taking this money away that is suppose to help college students pay their loans and simply wishing to do good for the community as the community has mislead as they continue to do so to other students as I hope this may also help others in danger or scams.
At the end of XXXX XXXX XXXX XXXX began harassing me at my place of work stating they were going to send a process server to my work, giving me the option to stop it, they threatened my co-workers that they must get in touch with me as it was an important legal matter several times. I filed a complaint against them in XXXX of XXXX as they got progressively worse. When I would call them, they wanted information I was not willing to give out over the phone ( DOB, SS # ... ). I did find out it was in regards to an old HSBC account that had been charged off well over 9 years ago. I called HSBC to confirm. The woman I spoke with there urged me to reach out to the Attorney General, who then in turn asked me to file with CFPB, based on their actions. The original complaint I filed was # XXXX and not able to be followed up on. Today,XX/XX/XXXX, XXXX from XXXX XXXX XXXX , contacted my work, asking for the nurse manager by name. He asked information about me, and she was told that they want to serve papers to me and asked if I worked here and asked to confirm the address here. She declined and asked for a call back # and said she did not believe that it was a legitimate call. He assured it it was and said if I want to stop this action I better call and gave a case # to her to give to me. When I called him back he was rude, said I knew exactly what this call was about and when I told him I did not know, he said I was lying. He got loud accused me of not paying my bills and expect to be sued. I asked him what for and he told me the same HSBC account and then said expect to be sued, when I tried to explain the information I had, he got louder told me the company has only been there for 6 months, it was his cousin 's law firm and told me not to call his law firm again and hung up on me. I am concerned as this company is out of California and my SS # & identity were stolen filing taxes with the IRS in California about 4 years ago. Please assist. Not sure where else to go with this. I just want this to stop.