WillisBack/dataset-financial-user-claim huggingface dataset:
I received a mailer at my home from KeyBank offering {$400.00} bonus to open a checking account and deposit {$500.00}. I opened the account and deposited {$500.00} via Keybank 's website on XX/XX/XXXX, and I entered the offer code on my mailer at that time. I have not yet received my bonus. I called and emailed and was told that the offer code was not on my account, and I needed to visit a branch to get the offer code added to my account. I visited a branch ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX ) on Friday XX/XX/XXXX and the banker added the information to my account. She told me she would call me in a few days with an update. She took a copy of the mailer and my driver 's license to make sure the name matched. She also said that some of the mailers require a direct deposit to satisfy the bonus, but she noted that mine did not. I still haven't heard from her.

I followed up by online message to Keybank on Thursday XX/XX/XXXX to ask when will I receive my bonus. Under the terms of the offer, it was supposed to be within 90 days of account opening, so I should have received the bonus by XXXX. Also, If I had received the bonus then, I would not have been hit with an inactive account fee on XXXX, because the bonus would have counted as account activity. 
XXXX at KeyBank responded to my secure message on XX/XX/XXXX to say " I have reviewed your account at length and I am sorry to say that I do not see that the offer code was added to your account. Since the offer code was not on your account, you are not eligible for the offer. We are not able to add the code and make the offer available to you at this time, as the 60 day window to qualify for the offer has closed. I understand that this is not the answer you were looking for and I do apologize. It is important to know that our promotions do have strict guidelines that we must abide to. Please know that we are unable to make exceptions when qualifications for a promotion are not met, via email, chat or phone request. If you wish to see if an exception can be made on your account, it would be necessary to contact your local KeyBank branch for further assistance. '' This seems blatantly unfair. I received an offer in the mail, I complied with the terms of the offer, and now KeyBank is refusing to honor it, claiming that " you are not eligible fro the offer. '' It's not my fault if their website doesn't work. I wonder how many other consumers received mailers like me and are now having to fight to get the bonus they were promised. 
I have been paying monthly fees to have this checking account, which I never would have opened if not for this bonus offer.
I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from Chase, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between XXXX  and XXXX. XXXX is the score mentioned in the letter from Chase. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect Chase of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if Chase participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from Chase, I would not have applied due their past spurious business practice.
JH portfolio violated their no contact order and sent a letter in the mail to me on XX/XX/XXXX, AFTER they were ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX FL on XX/XX/XXXX and the case was discharged on XX/XX/XXXX. However, JH portfolio drafted this letter on XXXX/XXXX/XXXX and mailed it my home AFTER my discharge. The creditor was contacted in XX/XX/XXXX and scheduled to appear at my meeting of the creditors on XX/XX/XXXX. JH Portfolio were a no-show, therefore discharging my debt.
" We have  XXXX  business accounts (  XXXX  XXXX  XXXX ,  XXXX  XXXX  XXXX  ) with  Paypal. Paypal ove r-drafted my  XXXX  XXXX  XXXX  account by - {$490.00} because my  XXXX   XXXX  reported suspicious use by my random  XXXX  charge for a ride I randomly got in  XXXX   XXXX  ( where I communicated with my  XXXX   XXXX  that same day that all charges made and pending were all mine and there was no reason cause for concern ). Becuase of this, paypals " system '' automatically charged back  XXXX  previously made transfers of {$300.00}, {$100.00} & {$100.00} that I transferred from my  XXXX  XXXX  XXXX  ( which is attached to my verified  XXXX   XXXX  account  ) to  my  XXXX  XXXX  XXXX  resulting in this - {$490.00}. I 've called to resolve with paypal they keep placing blame on  XXXX    XXXX   whereas I show in my  XXXX   XXXX  statements that Paypal got paid the {$500.00} AND I called to confirm with  XXXX   XXXX  that there was no open charge back cases and they confirmed there are no open cases at all for me. I call paypal pack because we had a client pay us through  XXXX  XXXX  XXXX  and paypal 's  XXXX   XXXX   XXXX  confirmed they will not give us access to our funds for at least 80 days because " there 's an open charge back case '' that  XXXX   XXXX  needs to resolve for them. So not only is paypal ripping us off and in both accounts but they 're also effecting are ability to receive funds active or pending to be able to pay our own selves, furthermore causing us to loose clients. ''
I have been unemployed from my job since XXXX XXXX, 2015 and I sent in Documentation to Navient indicating that I was let go from my job because they laid us off. NAVIENT gave me a two month deferment. SO recently I sent them a fax for an unployment request and they denied me. So unfair.
There is a negative entry in my credit report for something in Connecticut, I live in California and have never lived in Connecticut.  I called the number on the credit report and the representative told me to pay the debt, I asked to speak to a supervisor, the representative disconnected the call. 
I filed a dispute with   XXXX    and they returned their findings as accurate, with no further information.

I C SYSTEMS COLLECTIONS # XXXX 
  XXXX   XXXX   XXXX   XXXX   XXXX  , MN  XXXX 
( XXXX )  XXXX 
Placed for
collection:
 XX/XX/2017 
Responsibility: Individual Account
Account Type: Open Account
Loan Type: COLLECTION
AGENCY/ATTORNEY
Balance:  $  XXXX    Date Updated:   XXXX   
Original Amount: $ XXXX 
Original Creditor:   XXXX   XXXX   XXXX   (Cable/Cellular)
Past Due: >$ XXXX <
Pay Status: >In Collection<
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
The lender has agreed to review the clients file through loss mitigation options and is refusing to hold/postpone the sale date set for XXXX/XXXX/16 to allow time for the review, which they state will take up to 30 days.. They are in direct violation of regulation X by Dual tracking.
Equifax is reporting unverified accounts on my credit report. This is in violation of Section 609 of the Fair Credit Reporting Act. which states that all account contracts need to be verified.
My loan has been sold several times. My taxes were not escrowed into my loan at closing XXXX 2005, the loan officer told me the taxes were {$1000.00} per year not {$5000.00} they are like {$6000.00} now. When the loan was sold the taxes were now escrowed and since I had a negative escrow account my monthly payments were re-directed to the escrow making the principle and interest payments delinquent. I have tried for years to get caught up. Every year I give them my tax money, I enter into these crazy re-payment plans that I can not afford so I use all my savings to keep up with the plan then I have one bad month ( I work on XXXX ) then the plan gets cancelled because I have no way to come up with an extra {$700.00} - XXXX a month extra on top of my regular payment that also includes taxes and insurance. I have no savings because every cent goes to covering this extra amount. They will not update the payments I make on my credit report so I can not re-finance or even get a loan to catch up.
I had debt on a credit card in XX/XX/XXXX-XX/XX/XXXX. I was in a financial nightmare. I still am trying to dig out from the debt. XXXX XXXX had sent me a credit card ( XXXX XXXX Card ) I used it iin faithfulness of trying to keep up with the minimum payments. When it became to much I called them and they wouldn't work with me therefore I went into collections. Im XXXX and lived on a fixed budget. I can not hire an attorney so I wrote the CT Attorney General concerning this law suit from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  N.YXXXX. They sold this debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX. These attorneys sent me a threatening letter saying they can garnish my wages and they are taking me to Court for this debt. They attached some of the charges I used and the amount that I owed {$2000.00} They have failed to mention the attempts of me contacting XXXX via phone. I have sent their names to the Attorney General XXXX in CT but I want the whole story clear. The Attorneys in above lines have made me very upset and as I struggle to make what was a bad time right now with paying other credit cards that were willing to work with me these Attorneys are causing me undue stress as well as the collections company who hired them XXXX XXXX. There is a statue of limitations and this is XX/XX/XXXX, when in fact XX/XX/XXXX all communications with XXXX  back stopped.Please advise I am placing a complaint against behavior as this. I tried to come up with a plan on the phone with XXXX XXXX  but it couldn't happen they destroyed my credit and now they are trying to destroy what credit I have built back up.
On XX/XX/XXXX and XX/XX/XXXXsomeone made 2 hard inquiries with my info to XXXX. OnXX/XX/XXXXa {$600.00} line of credit was issued to that person. I check my credit every week online and i promptly reported this with XXXX  and the bureaus. As of today XX/XX/XXXX XXXX  still had not reported the fraudulent account with the bureaus. I need both inquiries AND the fraudulent account to reflect my credit accurately. I spoke with XXXX  at XXXX and XXXX at XXXX today and they may be working on it, but I have had an additional two months of inaccurate scoring and i am trying to get a HELOC and all this nonsense is holding us up. There is no reason this should still be ongoing. The XXXX police has already provided affidavits, etc. It has already been proven as fraudulent yet my scores and reports are not corrected. Also, if an account is found to be fraudulent, why does the consumer have to babysit the INQUIRIES? It is obvious that if the account is fraudulent then the inquiries that got the account open are also fraudulent. I am not happy that the info given to XXXX  was so inaccurate yet they approved the account. the person who used my SSN and name and address used a FAKE phone number, FAKE email, FAKE work name and FAKE work number. If XXXX had done due diligence to check these things then the fraudulent account could have been prevented. and i would not have to keep making sure it is correct.
First of all, we hav e US B ank for our mortgages since  XXXX . No problems in the beginning, until my husband was diagnosed with  XXXX   XXXX  in  XXXX , he had  XXXX   XXXX  treatments then had  XXXX , with the hospital bills and the insurance deductibles we have been trying to work wit h US Bank since then to the present to get a loan modification and they send us the financial papers to fill ou t and we done that many times and we 'll fax it back and they will say that they did n't receive them. I know that they did cause I got a confirmation message that they did. I am so tired of their lies. We have had many Assistance mortgage managers, I ca n't begin to tell you how many. At that bank they do n't know what the right or the left hand is doing.
I had 3 charges on my XXXX debit card with Chase Bank On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada On XX/XX/2017 XXXX dollars was charged to my card in Nevada all charges where made on my card when multiple other charges ( made by me ) on the same day originated in XXXX Utah. Chase bank is refusing to reverse the charges all charges were made somewhere I had never done business or work with before at the the same time I was using my card in XXXX.
I ma seeking a receipt of a transaction between XX/XX/XXXX - XX/XX/XXXX and XXXX XXXX - XX/XX/XXXX. This item was a pressure cooker dollar amount $ 80- {$100.00}. I called credit today and after being verified was referred to JCPenney .com.
On or around the end of XX/XX/2018 I received a letter from my county ( XXXX XXXX XXXX, FL ) exempting me from all ad valorem property taxes because I am a totally and XXXX XXXXXXXX veteran. I forwarded that letter to Freedom Mortgage, my mortgage company, with a request that they re-compute my monthly payment and my escrow account balance requirement based on the fact that I will have no ad valorem taxes due for 2018 ( only the county non-ad valorem assessments shown on the tax bill from last year will be due ). I spoke to Freedom Mortgage today, XX/XX/XXXX, and they claimed that they had reached out to my county to get a revised tax bill for 2018, but were told the 2018 tax bills would not be available until XXXX or XXXX. Understandably, the county does not revise their property tax bills every time they provide a letter to a veteran for exemption. They calculate the bill annually, for everyone. Freedom Mortgage did not have a 2018 tax bill when they computed my payment and escrow requirements for this year. They calculated that amount based on last year 's tax bill ( and insurance bill ). They claim that they will not recompute my payment or escrow account requirement until they receive the actual tax bill for 2018, and will require me to keep paying the full amount to them although they know this will create a significant over-payment to my escrow account. I feel that this is deceptive and is discriminatory ( only XXXX and senior citizens receive this type of tax exemption ). As a veteran living on a fixed income, their decision to continue to charge me for taxes that they know will not be due will hurt me and my family ( a difference of over {$7000.00} ). I request that the CFPB look into this and see if anything can be done to get them to do the right thing and change their discriminatory practices.
Keep Getting calls from a " Premier Portfolio Group ''? Saying they have a bad check? I have not had a checking account in 5 years and Never had a returned check when iI did have one! Sometimes it is an XXXX no sometimes a XXXX XXXX Area code, sometimes XXXX Or XXXX! This is obviously a scam and I want it stopped!!
I keep getting phone calls from XXXX XXXX XXXX from their multiple phone numbers. I do not owe any debt. My federal student loans don't have to be paid off until after I graduate in XX/XX/2021, and I pay off all of my credit cards every month. I do not have any debt. They call multiple times a day and try to scam, and it's getting really irritating.
My wife had been solicited online from a mystery shopper scam. On XX/XX/XXXX I personally took the check {$2800.00} to the branch closest to me chase bank branch location XXXX. The teller XXXX cashbox # XXXX, explained the check may not be available till XX/XX/XXXX but, if you have online banking, you will be able to see if funds are available and you know you can use them.The very next day the funds were made available. We had over seven thousand dollars in the bank and the very next day we had over 10,000 dollars available because of the check clearing! I explained to my wife she could use the funds! She did so immediately to participate in the mystery shopping because we thought it was okay because of the information provided by the teller. We were not desperate for that money because it was evident we had money in bank already.We trusted the expertise of Chase bank being liable verbally and being experts.I arrived home that night from work and the bank had charged us back because the check was no good.My wife contacted the bank manager.XXXX or XXXX said they do make funds available sometime before the check clears. I met with bank manager XX/XX/XXXX and he was high toned and felt they were not responsible in any way with the arbitrarily decision if we see the funds available we could start using them. All the teller had to say was it would not be available to XX/XX/XXXX like it says on the reciept.That was the greater offense.We have banked with Chase bank since at least XX/XX/XXXX and the branches we lived around got to know the people and they would have never treated us like this. They felt some responsibility because they waived the return check fee! I felt they made the money available because we had money in their already and felt if it was a problem it would be on us.I asked XXXX who his boss was and said I ca n't give you his number but XXXX would be calling you.That never happened! Their complaint department called me twice and sent me a letter saying they want to help.I called to this date at least 8-9 times and spoke with two people on different occasion. One person says well it 's a specific person handling your situation. The other time another person says basically the same message and I told her I am going to arbitrators and she says yeah we really ca n't do anything because of fraudsters.
Synchrony account manager stated a refund of {$92.00} was due on my account within the next two days. She stated this on a record line and documented this in her notes on XX/XX/XXXX. I called today and a representative saw the notes. The {$47.00} was credited for the second return that I had sent ; however, the {$92.00} was not credited. Instead, recently, I received an email stating that a credit of {$13.00} was being issued and now I have a positive balance of {$13.00}. This is not correct. I paid the account out and should have a positive balance of {$92.00}. I have written to the CEO, talked to her assistance who fraudulently placed a credit of {$13.00} that had been issued months ago on my XXXX XXXX card from XXXX. They refund XXXX   {$13.00}. There is someone doing illegal activity on my in house XXXX Account and placing fraudulently another {$13.00} on this account instead of {$92.00} that was recorded by an account manager. No will discuss this from Corporate. Yet, tonight, XX/XX/XXXX, an account manager sees the notes that I am referring to ; she does not have a clue why the {$92.00} has not been refunded. This is fraudulent activity on my account by staff with Synchrony.
I paid my car payment on line and they said they received the car payment but 30 days later i received notice the the website never recorded my payment and that i had a 30 day late pay on my report to no fault of our own. I have tried to resolve the issue with the company but haven't had success.
A man named as XXXX XXXX, PH : XXXX from Pacific Coast XXXX XXXX No : XXXX and said he was an attorney. He called my employer on XXXX-XXXX-17 at XXXX and spoke with XXXX XXXX in my company 's HR office. He told her that they were on their way to arrest me and serve me with documents and if I did n't contact him immediately and they would disrupt the whole office. I was to contact him immediately or would have to appear at the jail. I phoned this number on XXXX-XXXX-17 and XXXX XXXX thought I was XXXX XXXX and was threatening to come into my office to take me to jail. These people at Pacific Coast have contacted me before at my employer workplace phone number to try collect on a payday loan with XXXX XXXX XXXX. This loan had been paid several years ago. They would never send me verification of the debt and I informed them several times that I do not owe this debt.
Despite 5 or more written request, this debt collector business has failed to verify correctly items listed in my credit report and still remain. Under the FCRA, they need to have a copy of the original creditor 's documentation to verify the information is mine and is correct. They have not provided a copy of ANY original documentation, a consumer contract with my signature on it as required under SECTION 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They continue to violate my right to know their method of verification as required under section ( a ) ( 7 ) of FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. The Law is very clear as to the Civil liability and the remedy available to me ( Section 616 and 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. ***As per FTC opinion letter from Attorney XXXX XXXX XXXX  , you should be aware that a printout of a bill or itemized document does not constitute verification. *** This debt collecting company has violated The Fair Debt Collection Practices Act, including but not limited to Section 807-8 and Section 623-b.

They claim I owe {$1600.00}.

I have proof of certified mail as I maintained careful communication and they continue to be non-compliance of Federal laws under The Fair Debt Collection Practices Act, The Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that this debt collecting business is liable for willful non-compliance.
Wells Fargo does not let you set up automatic payments from a non-Wells Fargo bank account if you don't already have a credit card balance. This is crazy, as you should be able to schedule payments in advance so you aren't forced to remember.
I have contacted XXXX, Equifax, and XXXX several times via phone and certified mail on multipe occasions in regards to inquiries that I did not authorize or was not familiar with. It makes it look like I'm begging for credit, and that is not the case. I am trying to qualify for a home loan, and it makes it difficult when they're checking credit and I have inquiries from places that I didn't inquire credit from. I have disputed and reached out to bureaus several times and they say the same thing repeatedly. The companies either need to send proof of validation or it needs to be removed. The following inquiries that were not authorized are as follows : XXXX XXXX XXXX XXXX XXXX 'XXXX XXXX XXXX
The following companies checked my credit on those dates and I do not recognize them or can acknowledge. 

On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX XXXX XXXX XXXX   On XX/XX/2018 XXXX XXXX XXXX  On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX On XX/XX/2018 XXXX XXXXXXXX XXXX On XX/XX/2018 XXXX XXXXXXXX On XX/XX/2018 XXXX XXXX XXXX On XX/XX/2018 XXXXXXXX XXXX On XX/XX/2018 XXXX XXXX On XX/XX/2018 XXXX   On XX/XX/2018 XXXX On XX/XX/2018 XXXX
I was in the process of working through a formal repayment with my lender because I had some personal health issues as well as lost my job. The lender agreed to enter into a formal repayment plan with me but continued to go down a parallel path of foreclosure. Now my home is set for foreclosure sale before the formal payment plan has been set in place. 

I also have an issue on the amount of the mortgage payment as I have updated appraisal information that has not been applied to the monthly mortgage payment.I would like the mortgage payment to reflect this new amount of the mortgage. 

I have not received a itemized sheet detailing the XXXX in attorneys fees that have been added to the overall total in which I would have to pay back so I would like a itemized sheet detailing these charges.