WillisBack/dataset-financial-user-claim huggingface dataset:
HSBC ran their " XX/XX/2016 Fall Campaign '', where they were offering {$350.00} for opening a new account and satisfying various requirements. The exact wording of the offer is below ( I have also attached a copy of the offer from their website ) : Open your new account Begin a new HSBC Choice Checking, Advance or Premier relationship by opening a corresponding HSBC checking account from XXXX XXXX, XXXX through XXXX XXXX, XXXX. 
Complete your qualifying activities Pay at least two bills per month from your new HSBC checking account via HSBC 's online Bill Pay for three consecutive months within 120 calendar days of account opening. 
OR Receive at least one qualifying direct deposit per month into your new HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. 

I opted to go the direct deposit route to qualify for my bonus. My account was officially opened on XXXX XXXX, XX/XX/2016 ( copy of the official welcome email from HSBC on this date is attached ). That means 120 calendar days from XXXX XXXX, XX/XX/2016 is XXXX XXXX, XXXX. I received direct deposits totaling {$3000.00} for three consecutive months BEFORE XXXX XXXX, XXXX ; however, HSBC is refusing to honor the terms and conditions of their offer. Below are the qualifying transactions ( I have also attached a copy of my bank transaction activity for the relevant months ) : XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$500.00} These deposits were in three consecutive months and total {$3000.00}, and they were all completed before the cutoff date of XXXX XXXX, XXXX. The terms and conditions of the offer state the bonus will be awarded approximately 8 weeks after completing all offer requirements. After giving ample time for HSBC to credit the bonus, I sent a secure " BankMail '' on XXXX XXXX, XXXX to inquire on the status of my bonus. A representative responded that I did not satisfy all requirements for the offer, to which I responded by clearly demonstrating that I did by laying out everything as I have done here. My inquiry was escalated for weeks before finally receiving a response today, stating again, that I was not eligible because I did not satisfy all requirements. I have attached a copy of this BankMail from today. 

In this BankMail, the representative again reiterates the requirements of the offer and why I am not eligible for the bonus. Their reasons are factually incorrect as I have already relayed to them multiple times, and as I have just outlined above. Again, I received direct deposits totaling {$3000.00} for three consecutive months XXXX XXXX, XXXX, XXXX XXXX before the deadline of XXXX XXXX, XXXX. I have given the bank ample time to resolve this issue before resorting to submitting a CFPB complaint. The bank is using false reasons to delay or resist rightfully awarding me the bonus. Please have HSBC credit the {$350.00} bonus per the terms and conditions of their offer.
I received a letter from XXXX XXXX about a Care Credit account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid Synchrony about {$60.00} on this account this month. Synchrony never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. Synchrony has all this negative information reflected on my credit reports. I need this resolved right away.
I have sent certified letter to the debt collector requesting verification of the alleged debt. I have not received proper verification. I have requested a cease and desist letter to the collector and continue to receive calls.
In XX/XX/XXXX USAA restricted my online access to all my accounts including my auto loan. At the time I was signed up for online billing, however after my online access was restricted I requested physical statements be sent to me immediately, as my auto loan was auto paid from my usaa checking account which USAA subsequently closed. I was told by agents of USAA they would send me the statements over 12 different times. However, as of XX/XX/XXXX over two months later I have yet to receive a single statement. Furthermore, I am unable to access the statements online, thus have no documentation showing what I owe, where and when to send the payment. Most recently I spoke with XXXX from the CEO 's office who informed me I would not be charged a late fee, and nothing negative would be reported as long as it did not go 30 days past due. The loan is already 15 days past due and I still have not received any statements. Even if the statement were to be sent out today there would be no grace period between when I receive the bill and when it is due as required by the fair billing practices act. For some reason USAA has refused to provide me with billing statements for this auto loan, and has refused to allow me access to it online. Furthermore, I get calls every day at XXXX XXXX now telling me it is past due and needs to be paid immediately as it 's past due. Yet they are unable to send a statement.
I have sent numerous requests for American Credit Acceptance to validate their alleged debt against me. They have willingly and knowingly continued to report to the credit bureaus. This is a violation of the Fair Credit Reporting Act. This invalid information has constituted defamation of character as the debt has prevented me from enjoying all the benefits of good credit.
I have a XXXX XXXX Prepaid card from US Bank ending in XXXX. 

I am supposed to earn XXXX point for every dollar spent on that card. Till date I have not received these points. when I log onto the site it always says that reward points are unavailable.
Approved for auto loan with Exeter in XX/XX/XXXX. Due to the timing of when I was approved and purchased the car, my initial payment due date was set at the XXXX of the month. Shortly thereafter, I requested that my payment due date be changed to the XXXX because I only got paid once a month on the last week day of the month at the time. In XX/XX/XXXX I started a new job that has bi-monthly pay days on the XXXX and XXXX. I requested a new due date of the XXXX to coincide with my second paycheck because i have been paying late fees while making my payments on the XXXX which is past the 10 day grace period. Although I am able to go online to set up the payment for the XXXX I am still charged the late fee and still receive collection calls. They do not check beforehand to see that I have set up a payment. I am a customer that is doing her best to ensure I am making timely payments and communicating when I need more time. It seems senseless not to allow a customer to adjust the due date to accomodate their payday schedule. This is only a second request after a number of years and is only due to a job change.
This is a direct dispute with Equifax. I had a 30 day late listed on a XXXX XXXX account. The account number XXXX, date open XXXX 2011. they have me listed as a 30 day late in XXXX 2011. This is untrue and I have disputed this multiple times. I was infact not late and I need the account updated correctly. The account was paid as agreed, I paid XXXX payment, The motorcycle was stolen. the next payment date was XX/XX/XXXX. The check from the insurance company was sent to XXXX XXXX XXXX on XX/XX/XXXX. Therefore according to the XXXX XXXX resource guide I can not be marked a 30 day late. The industry Standards set forth by the CRA states " the " clock '' for a 30-day delinquent account starts 30 days after the due date as opposed to the billing due date. How long it took XXXX XXXX to process the check when it arrived on XX/XX/XXXX is n't my, the consumers responsibility. They did in fact received the check within the 30 day window set forth by these standards and that payment should have been applied to my account on that date. All Equifax has done is sent it to XXXX XXXX and they verify it. They have not done their due diligence in correcting it. I am asking this be corrected and report as a positive reporting account. I was not 30 days late and it was paid by my Insurance company within the allotted time frame. I have attached a letter from my insurance company for proof of when the payment was mail and it was not past the 30 day window of XX/XX/XXXX. I 'm not going to keep going back and forth with Equifax , XXXX, and XXXX. I have done that multiple times. I want it corrected ASAP! I also want the comments deleted that says paid account/was 30 days past due date.
On XX/XX/XXXX I was contacted by XXXX XXXX XXXX informing me that my homeowners insurance policy had not been paid. It was due XX/XX/XXXX in the amount of {$780.00}. I immediately contacted RoundPoint Mortgage ( RPM ) and the representative informed me that the check would be sent to XXXX XXXX overnight. Friday XX/XX/XXXX I called XXXX XXXX to verify that the payment had been received and was notified that they had not received a payment. I call back to RPM and was assured that the payment was sent overnight to XXXX XXXX and if they had not received it by Monday XX/XX/XXXX to call back. I called XXXX XXXX XX/XX/XXXX and still had yet to receive a payment. I again called XXXX and was informed that a check had never been sent and it is not their company 's policy to overnight payments. The rep then informed me that they will request it to be sent and she would call me back with the check number. I never received a call back.I have called back each day since then to retrieve the check number and I have been given a different story each time. One rep told me that the money was electronically sent to XXXX XXXX. Another rep told me that they talked to XXXX XXXX and was given an additional 30 day grace period. As of today the payment still ha not been received by XXXX XXXX and my insurance is scheduled to cancel today at XXXX.
I was purchasing impact windows from XXXX and was going to put the balance on my Visa but the salesperson told me I could get a XXXX credit card which would be better. I applied for the card and was told I could have the payment taken out auto withdrawal. I thought this was better because I would never be late with a payment. A few times I even made an additional payment to try and pay off the balance sooner. I was not told that I had to pay this in a certain amount of time. I thought I was paying my bill monthly and on time. I noticed that the payment increased and just thought that after a certain time frame the payment increased but still continued. I did not question it because I thought it was like my other credit cards and just continued the auto withdrawal. I work nights and go to school so I didn't think to investigate the increase. Tonight I looked at the statement and wondered why the total was so high. After looking at the previous statements I noticed in XX/XX/XXXX they charged me over {$5000.00}. I called the customer care who said it was too late. I explained the situation to the manager " XXXX '' who said they couldn't do anything. I'm still dealing with my damaged windows ( not one complaint ), and they want to rob me of an additional {$5000.00}? I'm absolutely horrified! I will never be able to pay this off. It's ridiculous. I should owe around {$7000.00}. I'm upset and afraid this will lower my credit rating. I thought I was paying my bill like I should. I wish I never listened to the salesperson who said this was a better deal. The credit card is from Synchrony Bank. Now after investigating, I see that this is what they do. They are loan sharks. XXXX was scripted and incapable of any emotion or compassion.
I filed a dispute with the credit bureaus regarding the duplicate XXXX XXXX XXXX accounts on my credit report. The all have the same status updated date of XX/XX/XXXX. ( The accounts showing are listed below ) Have three XXXX  student loan accounts with the same open days but different amounts owed. 

1. XXXX Loan  1- {$8500.00}, status : transferred, closed/Never late. 
2. XXXX Loan 2- {$10000.00}, status : transferred, closed/Never late. 
3. XXXX Loan 3- {$19000.00} closed XX/XX/XXXX was included in my bankruptcy and is labeled as Chapter XXXX. 

The response from the credit bureau states the account was updated, but they are still on my report.
I was notified by a credit monitoring company that a collection was placed on my credit report. 

I reviewed the entry, although Equifax locked me out of my report when I tried to double check the report for some odd reason. ( the website claimed that I answered the identity questions wrong ... which is not correct.. Verified against my actual credit report they provided me. So their system was either having an issue or the validation database it compares the answers to is not correct. ) At any rate I was eventually able to get through to the report to file a dispute on the account in question. ( it has already been resolved with XXXX, and XXXX who both also investigated this same account and deleted it already. ) However Equifax online dispute process has only limited general options to explain your complaint. ( this account really does not fall under any of them ... Because it was paid to the original hospital not to who ever this collection agency is that is called XXXX XXXX. Whom I have never heard of before it put an entry on my credit reports. ) So the closest check box option on the dispute submission that came close to covering what the problem was " I have no knowledge of this account / it is not mine. '' So this is the box I checked. 

Next came the whole complaint submission process, during which time I seen no way of uploading any supporting documents. ( I was able to submit supporting documents with my dispute to XXXX, and XXXX which helped them resolve the dispute. ) Then Equifax conducted some kind of investigation.. and sent me the attached results. 

Which resulted in them updating the collection to being paid, and according to the results they verified that it belongs to me and is owned by some company named XXXX XXXX 

Which if they are reporting accurate information : They are saying that I paid some company named XXXX XXXX for my XXXX Hospital bill for visit XXXX with a service date of X/XX/2015. 

Which is obviously in accurate by the attached receipt, and screen capture of my XXXX Hospital balance for the visit in question. 

The receipt XXXX hospital sent me clearly states " XXXX XXXX XXXX, XXXX Hospital '' on it. 

I want to know how they verified this account was allegedly paid to a collection agency when the receipt clearly shows it was paid directly to XXXX hospital directly.
XXXX, Equifax and XXXX  have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, XXXX, Equifax and XXXX actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the  information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. Equifax has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from Equifax regarding inaccurate information reporting on my file. Once again Equifax has reported inaccurate information on file credit file. XXXX   has not provided any feedback on my request to validate public records. XXXX  has not provided any feedback on my request to validate public records. Please see my attached documents.
So my account was negative by around 100 dollars and my account was closed without notice onXX/XX/XXXX. I was planning on having my tax refund deposited in it so I wasnt depositing any other money in it but my tax refund was delayed due to some errors on my end.

I went to commerce on XX/XX/XXXX and paid my balance but they refused to reopen my account.

On top of that, my account being closed now shows up on my credit report and I am unable to open another bank account despite resolving the issue. I called the reporting agency and they said I have to pay {$300.00} to have the flag removed. It wouldnt be a major issue but I am starting employment with the XXXX XXXX XXXX XXXX next week and the XXXX requires I am paid via direct deposit. I believe they also run a credit report for employment and Im worried that will terminate my employment. Im being held XXXX  by a credit reporting agency. My complaint covers two categories but it all stems from commerce bank.
I attempted to make a Payment to  XXXX   XXXX , an old collection on my credit report. I informed the Credit bureau that the debt was in error and further that they had no recent history or activity of my account. I only found out about this company by looking at my credit report in the first place, NOT directly from the company. Further there is limited information on my credit report about this company. SO First last month I disputed that line item found on my credit report, However I was told it was valid, based only the word of the credit bureau ONLY and not on them presenting external verification that the tradeline was valid or active or legit fr om 3rd party.      I resolved to test the validity of the tradeline based ONLY on the information found in my credit report by THIS credit Reporting company. I sent them a test payment to see if it would post to the account in question with this company using only the tradeline information in my report.     The result?   The Payment was return ed. ( See letter from c ompany and attached returned check. ) They (  XXXX   XXXX   ) Informed me they n o longer service my account. Therefore they are no longer actively or validly accessing my credit report to update it.     This means, They do n't have me as  a credit collections client and therefore it should be removed as any attempt previously made to Validate was null and void, as it would of returned the same results : according to FCRA law [ 623 ( a )  ( b ) ].   Also..   That it seems the credit reporting agency didnt fully engage the furnisher of the tradeline at the time of the my first complaint, which seems not only erroneous but misleading, possibly an aggravated violation of the FCRA law.
Requested copy of credit report on XXXX XXXX 2016 so that I may disputed incorrect items being reported.
Last month plus there have been several instances of obvious fraud ( online XXXX transactions over the course of a month plus outside of the area where we live ). They did not catch it and will not stop the card because it is my wife 's card. I understand that they can not give me information about my wife 's account, but a simple call to their fraud department and they would have easily seen that the charges were fraudulent, but they refused to do even that.
AFNI has been harassing me for years at not only my home but my FORMER EMPLOYEE as well. I have disputed the bill several times because of the fact I was not suppose to be responsible for the debt as it was an agreement with my former employer that he would pay the past due balance of {$890.00} which was accrued as a result of WORK. Despite me calling and sending the info in they are continuing to harass me and Ive not only asked them to stop but Ive changed my number only for them to call my former employer ( the one who agreed to pay that bill originally as it wasnt mine, but is refusing too now )
I used citizens bank ATM machine XXXX/XXXX/16 and it " ate '' my debit card. On the next baking day the manager said I cant get my card for 5 days. After a 2 month interval I used the same machine and the sme thing happened again. I was told an executive would contact me. No one ever did.
For the past 4-5 months I've been using this mortgage company called Intercontinental Capital Group for a short sale mortgage. I have complied with every documentation they required and I still havent heard from them. I have sign closing disclosures, commitment letters, etc. and still we havent closed the deal. I have paid 3 appraisal, XXXX certificates ( 2 ), and they had me and my fiance go for a grant that still havent even been funded. This company has been giving me and my lawyer the run around and till this day we still havent been able to speak to someone about my file and if I really been denied the loan. I have emails, text messages from people in this company stating the deal will be closed and still nothing. Im really scared they used my personal information for their use. Please help me investigate this matter.
Over a year and a half ago we started the process of buying a home. Our mortgage guy sent us to a credit repair co. They got the collection account from XXXX XXXX XXXX XXXX XXXX taken off my credit, because it was unverifiable. Now it is back on my credit. I have credit reports showing the trade line on and then off and now today it is currently on my report. When I called to verify the account with XXXX & XXXX they sent me a heavily redacted letter verifying absolutely nothing. I would like this unverifiable account taken off my credit and removed permanently. This should not be a loan I have to pay for if there is no verification that it is my debt. Attached are the credit reports and the letter of verification that was sent to me.
I applied for a Citi / AAdvantage Platimum Select World MasterCard on XXXX XXXX, 2015. They did not immediately approve the card so I called the number and spoke to XXXX # XXXX and was told it was approved and that I would qualify for the XXXX air miles promotion after I charged {$3000.00} within the first 3 months starting on XXXX XXXX, 2015 and that I should receive my card within 7 days or by XXXX XXXX, 2015. I received the card and more than meet the requirements by XXXX XXXX, 2015. In XXXX, I received a letter stating as a current or former Citi / AAdvantage cardmember I was not eligible for the XXXX-time bonus miles offer. No where was this stated when I applied online. It does not seem like fair practice for Citibank to advertise promotions such as this, have their employees tell you that you quality and then after you have meet the requirements deny the reward.
i have went through the BBB to get through this issue with universal acceptance. This battle has gone on for years I have asked over a dozen times that this company validate this debt in return they refuse to do so by asking me to provide them with information to validate the debt. I am aware of the laws that protect me and those that protect companies. The refusal to validate this debt is very bothersome. I am hoping to get this issue resolved in a timely manner for it has held me back many years thus far!