WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2017, I opened a XXXX checking account at my local branch using the attached voucher for a {$400.00} bonus. I had met all the terms of the promotion to receive the promotional {$400.00} bonus as stated in the attached voucher including meeting all opening dates, transactional requirements, and enrollment requirements. The promotion further states that the {$400.00} will be credited to my account within 120 days of completing these steps. I completed the last of these steps on XXXX XXXX, 2017. As such, 120 days from XXXX XXXX, 2017, was XXXX XXXX, 2017. I did not receive my bonus. I called Regions bank on XXXX XXXX, 2017, to inquire about my bonus. At this time, I was told that my account was inactive. I had absolutely no way of knowing that my account was going to be inactivated, considering that I had followed the exact terms of the promotion. I received no e-mails, phone calls, postal letters, or notations on my statements about this issue. Furthermore, the terms of the promotion did not indicate that the account had to be active to receive the bonus. I was then directed to call my local branch to ask them about the issue. On the same day, XXXX XXXX, 2017, I called my local branch and talked to the branch manager. I then immediately e-mailed him ( e-mail chain attached XXXX the terms and conditions of the offer and he let me know he would research the issue. I have not had any resolution on the issue since then, and the branch manager has not responded to my last two e-mails, dated XXXX XXXX, 2017 and XXXX XXXX, 2017. Thus, I have reason to believe that Regions believes that by simply ignoring me, the issue will go away. It has now been 55 days past when the bonus was due.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Called me at XXXX on XX/XX/2018 Claiming that I owed {$110.00}. 
Is this " company '' a scam? 
I do not owe anything. I called the hospital, and my accounts are good. 

Offices in XXXX, XXXX, XXXX
Equifax is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Equifax in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Equifax , I certified that XXXX had not responded to me within the required 30 days. Equifax then used the same false reporting from XXXX to " verify '' the false information. Equifax failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Equifax on the matter, the Equifax staff member confirmed that Equifax is using an " update '' from XXXX as verification. Per the Equifax phone staff member : the " update '' from XXXX does not contain any documentary evidence that Equifax has or can provide to me, but they are using that rather than my submission of documented evidence to them.
After receiving and reviewing the results of a recent dispute sent to Equifax. I am confused on the response from the bureau. I had my XXXX file suppressed in XX/XX/2018 ( see enclosed attachment ). However, the correspondence dated XX/XX/2018 under Confirmation # XXXX states that Equifax verified their recording of my dispute with XXXX. 

Due to this development, I am know requesting the method Equifax used to verify certain items on the credit file dated XX/XX/2018 under confirmation # XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request the bureau must provide a description of the procedure used to determine the accuracy and completeness of the information. This includes, but not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following account : XXXX XXXX  XXXX XXXX ID # XXXX As stated in FCRA 611 ( a ) ( 7 ) the bureau must provide this information no later than 15 days  after receiving this request. It is amazing that Equifax through their reinvestigation is using a third-party file that is suppressed to verify a dispute. This appears a real violation of the Fair Credit Reporting Act codes.
XXXX XXXX is in a financial Hardship. She applied for a short sale which Nationstar was aware of and they went as far as to approve her. 
Then the short sale was declined due to the sale date being " too close. '' The short sale was in ESCROW. 
Nationstar removed the file and now the homeowner 's sale date is on XXXX with no options but to be foreclosed on. 
Although there are numerous reasons why Nationstar 's behavior is unacceptable, the issues that XXXX XXXX would like to bring to your attention are the following : While we understand a short sale takes time, it is inexcusable that Nationstar deny the shortsale ; will not let it be completed. It appears that Nationstar has committed negligence, if not reckless disregards for her short sale request. 
Nationstar approved a short sale, only to the homeowner that she was denied. This should not be tolerated. Nationstar denied her short sale based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution. 

By refusing to disclose details about the process, Naionstar is able to deny request at will without any accountability. The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on home and fire selling them at auction to make a profit. It appears that Nationstar 's lack of participation in a meaningful review of Homeowner 's file indicates a preference to profit directly from Homeowner 's hardships. 

XXXX XXXX fully believes that she has been discriminated against based on her age, race, ethnicity, sex, marital status, and national origin. At this time, we are demanding that the sale date set for XXXX be postponed or she will assert her legal right naming Nationstar as a defendant in district court.
In XX/XX/XXXX 2018, two transactions from XXXX ( {$39.00} ) and XXXX ( XXXX ) were done in error and disputed by me with USAA. A provisional credit was issued and I thought they would investigate to resolve the issue fully. Shortly after, they reversed the credits claiming they needed more information. I provided this information from XXXX and XXXX to no avail. This was the first time I was told that documents were not received through their app portal. Eventually, XXXX reversed the charge, but I'm still waiting on the XXXX transaction, although XXXX sent me an email stating to dispute it with my bank, which I also submitted to USAA. 

In XX/XX/XXXX 2018, funds were debited from my checking account in the amount of {$200.00} for XXXX XXXX. I did not notice this until the following month. Knowing I no longer had an account with XXXX since XX/XX/XXXX2018 and the balance of {$70.00} ( +/- ) was paid off in XX/XX/XXXX 2018, I knew I did not owe them {$200.00}. I contacted USAA once again to resolve this issue after XXXX told me to contact my bank. I was offered the provisional credit only to have them say they need more information. I provided this information by way of XXXX and also did a conference call with XXXX XXXX USAA, which also was rendered fruitless, as USAA did not acknowledge the information provided by XXXX. USAA decided to reverse the provisional credit on XX/XX/XXXX and also charged me {$29.00} for a NSF. Days later, I noticed another {$60.00} charge from XXXX but have not bothered to dispute it because of previous actions from USAA. 

In total, USAA has taken {$320.00} from my account without my consent and has yet to resolve this issue fairly.
To whom it may concern : I applied for a fha XXXX loan to repair some roof damage to my home. I have very good credit and a long and stable job history. The value of my home covered the increase easily. The loan took over 1 year to close. My loan agent charged me {$3900.00} in points to lower my interest rate from 4.5 % to 4.5 % XXXX no it is not a typo, no change in interest rate XXXX. When I questioned him about this over the phone ( late closing ) he gave told me he was going to research it. During the closing I asked the escrow agent and she could not explain it to me. In order to justify the addtional fee, the loan agent ignored the instructions from the XXXX XXXX consultant and only accounted for partial fees that should have paid for my XXXX fees. I believe the agent knew what he was doing and stalled for time since he is no longer working with XXXX XXXX mortgage. I was purposely mis-informed, lied to, and the mortgage agent took advantage of my need to get my house repaired. I have reached out to the mortgage company and their management I am being ignored. I am now concern for that my credit identity and assetts may have been compromised since the agent in question has all of my personal information in order to process my loan.
Procollect is continually reporting a debt that is not mine to XXXX and XXXX XXXX XXXX. I have contacted them several times to ask for validation. I dont have a contract with this company
I am a regions bank account holder first off I had a payment due on XXXX/XXXX/15 and they ran the payment through on XXXX/XXXX/15. Which is not right. I deposited money in my account on XXXX/XXXX/15 I was XXXX short and was advised by a representative on XXXX/XXXX/15 that I would not get a overdraft fee because it was not over XXXX On Monday XXXX/XXXX/15 I was given a overdraft fee. Also they said my deposit does not show that it was put in on XXXX/XXXX/15. It shows XXXX/XXXX/15. I immediately called the bank and spoke to managers. They have no records of the call. This is not right. I should not have been charged the over draft fee. I have had nothing but overcharges for overdrafts since day one with the bank. I want my account to given credit for the overdraft. They continue to do this to people and it is wrong!
In XX/XX/XXXX I contact both the credit bureaus and the creditor of this account to validate the dates the account was opened. I recently reviewed my credit reports and the entry as old as XX/XX/XXXX is still reporting and showing on my credit files why is this?
HUNTER WARFIELD DID NOT PROVIDE VALIDATING PAPER WORK STATING THAT THERE WAS A DEBT OWED ON MY BEHALF. THE INFORMATION THAT WAS SENT WAS A LEASE AND AN ITEMIZED STATEMENT OF CHARGES WITH NO RECEIPTS OR PICTURES TO PROVE THAT THAT THERE WAS A DEBT OWED TO ORIGINAL CREDITOR. ALSO THE PAPER WORK THAT THEY SENT DID NOT HAVE ANY VALIDATING SIGNATURES FROM ORIGINAL CREDITOR PLUS NO RECEIPTS AND NO PICTURES THAT WAS ORIGINALLY REQUESTED. HUNTER WARFIELD KEEPS REMOVING THE ACCOUNT AND REPLACING BACK ON MY CREDIT REPORT WITHOUT ANY VALIDATION PAPER WORK OR PROOF AND LEASE AND ITEMIZED STATEMENT IS NOT VALIDATING ANYTHING
i received a voicemail stating i needed to call Premier Recovery Group concerning a complaint regarding my social security number and if they did n't hear back from me, they were going to contact my employer.when i returned the call to XXXX a young man named XXXX answered He gave me information concerning a debt without verifying who i was other than asking my name. He stated that i needed to take care of this debt before they began legal proceeding against me. when i asked him to send me a verification of debt letter, he began calling me a liar and a thief then proceeded to hang up on me.
Reporting absolutely accurate personal information from multiple sites, Tried different addresses for time frames, formats, comma 's, hyphens, Equifax ( who I used to pay, and they had no problem then ), XXXX, and the " infotainment '' site XXXX, will authorize me without writing in with a copy of my drivers license ( for all the world to see ). As I prefer not to put out my FL high security D.L. is their any other method, or is that their way of getting me to pay for what they advertise is free? I 've double and triple checked everything.
Cavalry SPV l. LLC. a Junk Debt Buyer is trying to sue me for a very old debt. they are trying to sue a XXXX person on ssid = me. they are XXXX
Navy Federal Credit Union continuous to report account to XXXX  with wrong account numbers also account was included in BK still showing balance owed and past dues.
since XX/XX/XXXX I have been paying XXXX precent intrest on a loan where the property is not worth half of what the value of the loan since XX/XX/XXXX everybody has gotten a intrest break but I have tried but no luck
Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; XXXX  XXXX balance sheet ( XXXX # XXXX XXXX, XXXX, XXXX ), XXXX XXXX report, XXXX registration statement, XXXX prospectus, XXXX & XXXX call schedules XXXX. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 
15. Provide verification from the stated creditor that you are authorized to act for them. 
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.

Disputing the Debt,
TCS contacted my place of work and continued to call them after they said I was n't there several time. They said he was rude and mean when they would n't give them my number or when I was working again. He continued to call several times XXXX to the point the told my boss and she called me at home. TCS has my number this was just harassment.
XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Experian XXXX XXXX XXXX, TX XXXX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX ACC # XXXX XXXX {$180.00} XXXX XXXX charge off {$4800.00} XXXX XXXX XXXX XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I see that XXXX is reporting me late on an account I had with VW Credit. This is incorrect as the account was included in our bankruptcy which was discharged XX/XX/XXXX. Payments were made by me to the bankruptcy administrator and we were sent the clear title from VW XX/XX/XXXX. I would like for XXXX XXXX to correct this error so my credit report will reflect a better score which I have earned. My score with them currently is XXXX as opposed to Equifax which is reporting a XXXX score currentl
This debt was disputed and asked to be validated by collection agency. On XX/XX/18 a letter was mailed to my address stating the dispute investigation was completed and that the debt was valid. They attached which was suppose to be verification of the debt. It turned out to be only a bill owed in the amount of XXXX
XXXX reported an unpaid bill several times with several account numbers on my credit report. The bill had been paid. I have spoke with their credit department several times. They apologized and agreed to remove all accounts and delete the information. XXXX has removed it, XXXX has removed it, Experian is still failing to remove it. I do not know if this issue is with experian or XXXX, but experian denied my dispute with them.
XXXX XXXX XXXX is falsely reported, opened XX/XX/2017, amount XXXX
I purchased a CD in XXXX 2000 from XXXX XXXX in the amount of {$5000.00}. I went to Wells went to Wells Fargo to cash it in and they told me they had no record of due to theit due to the fact that the banks had changed/merged over time. I wastold too much time had elapsed that it was either send to unclaimed property orcashed by me long ago. I do not recall cashing it in! When they checkedunclaimed property they had no record of it being sent to them. I was told that the bank records do n't go back that far in time. I was also told a letter was sent tome " back when ''. I did not receive any correspondence regarding this CD. 
Where is my money. The bank ca n't just say " it was turned over tounclaimed property '' or '' their records do n't go back that far ''. I feel thatthe bank should PROVE to me that it was either cashed, or give me mymoney plus interest. They just ca n't say well we do n't have it or haveany record of it. It is their responsibility. I have the CD.
A debt collection agency has made repeated calls to my workplace after being specifically asked to stop calling. The company is called Wyndam Professionals. They even went so far as to try and get my social security number from my employer. This kind of behavior is completely unaccptable, especially after being asked multiple times to stop calling my place of business.
In 2009, my father was solicited to apply for a reverse mortgage. He was XXXX years old at the time. According to a Wells Fargo reverse mortgage bank statement we have, he was approved for a reverse mortgage loan in the amount of {$120000.00}. My father has since passed away and Wells Fargo is now trying to foreclose on his house. As the executor of his estate, I have spent the last few months requesting Wells Fargo to provide information that my father did in fact receive the proceeds of the loan ( e.g., evidence of wire transfer or a copy of cashed check, etc. ). To date, Wells Fargo has not provided any information. 

My father was a low-income, XXXX living alone on a fixed income. I believe he may have been targeted for an unnecessary loan based on his profile. I am concerned that my father did not fully comprehend the consequences of a reverse mortgage, nor did anyone at Wells Fargo fully explain the terms of the loan. Based on Wells Fargo 's unwillingness to share information about the loan, I question whether my father even received the full proceeds of the loan.
I have contacted XXXX XXXX on numerous occasions for the debt they are claiming to be verified. Unfortunately I was not provided with no validation documents. I submitted certified letters each time I requested the debt validation to XXXX XXXX. I did receive a credit card statement but no actual copy of a document verifying the debt and it was longer than the 30 days time period. I have been sending debt validation letters since XX/XX/2017. They did contact me by phone in XX/XX/2017 threatening to take me to court and I requested for them to mail me all valid correspondence in the mail but they did not provide me with anything. This account is being reported negatively on my credit report but they are not upholding their duty by providing me with any documentation.
HI, I had an incorrect collection placed under my name from   XXXX   XXXX   XXXX   in  XXXX , Colorado. The collection was placed  XXXX   XXXX  and I moved out of the complex in  XXXX    XXXX  . I spoke with the apartment manager and it was an issue on their end. He reached out to  XXXX   XXXX  ( collection agency ) and had them remove it.   XXXX    removed the incorrect collection about a week later.     I am having issues with equifax not removing the mark. I have calle  d three times and they were not able to help. The last representative advised the remark was removed and sent me a " revised '' full credit report that would reflect the update. Of course, the mark was still there when I received the new report. Their website is useless and shows " completed '' under the dispute number, but neither advises " verified '' or " denied '' as shown in the directions. I emailed 4 tI especially after that. The response I received was please call us because we are experiencing high email volume. I tried to escalate to a Manger and received no response after that other than a survey. I tried to take the survey by the way and the link did n't even work. Worst customer service I 've ever seen.
My thought is if  XXXX  already dismissed the collection then equifax would report the same. Please help me make my credit report cor  rect because I am having no luck with equifax. I can provide the dispute number.     Thank you,  XXXX   XXXX   XXXX  XXXX  XXXX   XXXX
In the year of 2008 I received a payday loan from I think XXXX XXXX XXXX XXXX cant remember amount but between 450-500.I did not pay them back due to medical issue. Almost 10 years later a collection agency named Forward Movement recovery trying to collect a 10 year debt.Florida statute of limitations says thay have 5 yrs. to take legal action. I have not payed any amount of this debt and do n't believe I am entitled to at this point.
Equifax credit report associated with errors, and it seems that the accounts & inquiries are also fraudulent. I am a victim of identity theft and I have been identified for someone else with the same exact name as mine. XXXX XXXX is associated with several people in my state. These accounts we 're once removed and has been place back on my credit report. It is definitely an error on the credit bureau part. This is all the information I can provide at this time. My lawyer will be contacting you in a few days to resolve this matter with my name being misused, placed aside fraudulent error accounts and inquiries. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX