WillisBack/dataset-financial-user-claim huggingface dataset:
I am listed as one of the hundred and a half million people whose personal information, including my Social Security number, was exposed by the Equifax exposure. Equifax did not properly secure my information, and they are not properly handling this breach -- including their potentially data-exposing request for entry of name and social security number into their breach form, which is very exploitable to further guess peoples ' information.
BMO Harris Bank did not fulfill a promise to provide promo interest rate on money market account. It has been two months sine I opened the account. 
thanks
I am preparing to take a trip out of the country. I went to website for my credit card to determine if my card has XXXX transaction fees. According XXXX there is an underlined link that states " No XXXX Transaction Fees ''. However, when you click on that link XXXX it brings up a fee table that shows there is a XXXX transaction fee of 2 or 3 %, depending upon whether the transaction is in US dollars or a XXXX currency. I then called the customer service center for US Bank, and got a series of confusing answers, then a response that my account had no fees. I requested that the agent request that the misleading information be removed from the company website, but lack confidence that this will actually happen. I am concerned that if I use the US Bank XXXX XXXX XXXX XXXX in a XXXX country that I will end up with transaction fee charges and that the bank will point to the publicly posted fee schedule.
OnXX/XX/XXXXwhile on a flight with XXXX XXXX a Credit Card from Citi was offered to me by a flight attendant. This offer advertised that once I spent {$3000.00}, I will receive XXXX miles-bonus, XXXX miles for every dollar spent on XXXX XXXX flights and some other benefits. 

After applying to the XXXX I got the card and called Citi to activate the card and to create a web account. I was told during this phone call by a Citi representative that I was going to receive the XXXX miles bonus in about 8 weeks after spending the {$3000.00} and that every time I booked a flight with XXXX XXXX using this card, I would receive XXXX miles per dollar spent. She also said that she was going to cancel a Citi card she found under my name that was issued sometime before by Citi but that I never got and I never used. 

After coming back from another flight at the beginning ofXX/XX/XXXX, I signed up into Citi web to find out how many miles I had and I realized that Citi did not apply the XXXX miles per dollar I spend on the flight I booked with this card and through XXXX XXXX. 

After talking to a supervisor she told me that I was not enrolled in the XXXX miles bonus program because of that previous card the first representative found that I never got and I never used. I explain to her that I was told in XXXX by the City representative that I was eligible and that all I had to do was to spend the {$3000.00}. This supervisor approved a XXXX-mile bonus to me right away for the inconvenience and told me that she was going to write a note requesting Citi to apply the XXXX miles that they promised to me from the very beginning. 

Today XX/XX/XXXXafter spending {$3600.00} and after making all my payments on time, I got I a letter from Citi saying that the special offer of the XXXX miles is not available to me. 

I am filling this complaint against City and I request an investigation to Citi because they not only are using unfair and deceptive credit card practices but they are also lying to me by advertising and promising what they are actually not doing. I feel treated unfairly because I did what I was told to do ( spend more than {$3000.00} and of course I have been paying on time ) and I feel that this company has used false statements because now they want to deny what I am entitled to. 

I really appreciate any help you can offer to me and to any other customer who has gone or is going through the same or a similar situation.
Equifax has been notified of an inaccurate account on my file and has not removed it, despite proof of not being validated. I have written verification from the company that the account can not be verified. Equifax is in violation of FCRA Regulations.
For the last year I 've been trying to get XXXX XXXX XXXX XXXX to get the debt collector Berks Credit & Collections to remove the collections owed off my credit report since I paid them over a year ago. I owed 2 payements of XXXX dollars. So I paid 1 payment of XXXX by check to XXXX XXXX XXXX XXXX. They received the payment and said they notified Berks Credit & Collrctions. Berks is saying they never got notified the payment was made. I 've been going back n forth with these 2 company 's for almost a year.
RCS Recovery Services LLC is reporting an account that is past the FCRA retention time associated with the account.
Claims to be calling from First Financial Bank ( XXXX ) XXXX Trying to Contact XXXX, but I have only had this phone for a few months and my name is XXXX. I informed them they have the wrong number and they told me I would have to pay them {$10.00} to stop calling. I told them, I would file a complaint and I didn't even believe they were with First Financial Bank. They made many strange comments and accusations such as " I stole this number from XXXX '' and what they were doing was not against the law.
XXXX XXXX  XXXX Installment Equifax XX/XX/XXXX - {$38.00} {$190.00} XX/XX/XXXX CHARGE-OFF {$250.00} this information is incorrect i have already filed a dispute with the XXXX XXXX, and they have already updated their records and the other two credit companies XXXX and XXXX  have already updated my reports yet equifax has old out dated information, same thing with ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Revolving BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$300.00} - {$150.00} XX/XX/XXXX CHARGE-OFF {$150.00} Individual this account is also out of date this account is not past due it is charged off but the amount past due is not correct there should not be any past due
Equifax has continued to report an inaccurate bankruptcy on my report, and claims to have verified it with XXXX XXXX and the XXXX County Federal Courts. I contacted the courts and they responded with a letter stating that they do not report to 3rd party agencies nor do they give out any information from the courts on the phone. I also contacted XXXX XXXX because I had a security freeze placed on my file on XXXX XXXX, 2017 due to identity theft. XXXX XXXX advised me that they can not release information to 3rd parties without my written consent. Obviously, Equifax has failed to reinvestigate my disputes. The Federal Court and XXXX XXXX are not the method of verification. Remove immediately! I will start legal action if needed.
We obtained pre-approval letter through Bank of American ( ( XXXX ) in this XXXX then started house shopping. In XX/XX/2016 our offer got accepted and we started to get our loan processed in next day, our loan officer gathered all the items needed, ordered appraisal then submitted our loan to their underwriting in CA ... ... We did not get a loan decision by XXXX/XXXX/16 which was the closing date. 

The selling agent contacted the loan officer for an update. However, there was no firm answer from Bank of America. Seller listed the house for sale next day ( XX/XX/2016 ) and kept our earnest money. Seller 's lawyer contacted our agent and let us know that seller was entitle to keep all earnest money since we did not meet the closing date. We also hired a real estate lawyer to fight. Keep long story short, it took over 2 months get this case settled. We only got a potation of our earnest money refund. 

Bank of American also issued a denial letter to us for a wrong reason, then requested a revised one ... back & forth. It has been a very unpleasant experience to deal with Bank of America.
Since the Equifax breach, their website for setting up a credit freeze has been completely unavailable, no matter what time of day or night. I managed to put a freeze in on XXXX and on XXXX.
Santander went against their own policy in requiring that I obtain and pay for a home appraisal to remove PMI from my loan. Furthemore, they delayed the process for over a year causing me to have to pay for PMI during that time. In addition they refused to take my complaints and I was hung up on countless times by various people during this time. In the month of XXXX ( 2017 ) alone I had to place more than 50 calls just to get this service request fulfilled despite it being in our contract that they were obligated to do so. Despite numerous requests they could not produce any part of our contract which required that I pay for a home appraisal. I ultimately paid for the home appraisal just to have the PMI removed but only because they forced me to do so as it was not a contractual obligation and they would not otherwise. I last heard from Santander in early XX/XX/XXXX stating that they would refuse any further correspondence with me, including my requests for the contact information of their supervisors so that I may file a formal complaint. All of my calls and emails in the past month requesting that they process my complaints have been ignored.
I, XXXX XXXX, need help from the Consumer Financial Protection Bureau to solve the problem with my student loan which was bought by 3-d party company called Nelnet.com and double it since then. 
This 3-d party Nelnet.com has NO Ties with US Federal Government. A few times, when I try to recertified my student loan through US Department of Education website I got a message to contact directly to 3-d party Nelnet.com. 
My concern about Identity Theft by unknown 3-d party Nelnet.com and double my student loan. Why 3-d party exist as student loan provider for US citizens and no student loan for illegals? 

Conclusion : The Consumer Financial Protection Bureau, please, check with US Department of Education on what grounds Nelnet.com bought my student loan from Federal Direct Loan Program Direct Loans and double it? 
Why US citizens are attacked by 3-d party like Nelnet.com and are provided with All financial information? 
This 3-d party scam Nelnet.com has to face an investigation as a US student loan service! 

It is very disturbing for me as US citizen to be obligated to repay student loan to unknown party, when illegals just take Advantage for FREE Education. 

Sincerely, XXXX XXXX
I have an Exxon Mobil " Smart Card '' credit card that gives a XXXX " Loyalty Reward '' rebate for every gallon purchased. I believe it is administered by Citibank.
For each purchase, the statement shows 1 ) address of gas station, 2 ) gallons and type of gas purchased, 3 ) a Reference number, 4 ) invoice number and 5 ) Amount paid.
The " Loyalty Reward '' sums up the total gallons purchased during the billing period and rebates XXXX per gallon ; and applies it to the amount due. But there are many instances where the " gallons and type of gas purchased '' is not stated. Instead it states " Miscellaneous. '' So the gallons purchased under " Miscellaneous '' is not used to calculate the Loyalty Reward rebate. I checked previous statements and it happens even 4-5 years ago. In a XX/XX/XXXX and XX/XX/XXXX purchase stated as " Miscellaneous '' I should have received an additional {$2.00} in rebate.
I paid Greentree Servicing, LLC XXXX payments in XXXX and XXXX after my loan was up because a rep. with their company told me if I made the payments I would be fine nothing would happen. Then they mailed a paper dated XXXX/XXXX/15 saying I owed a balloon payment owing them {$2400.00} and then they turned around a day later I received a certified letter I signed for on XX/XX/XXXX saying that I owed {$3000.00} and that letter was dated XXXX day later on XXXX/XXXX/2015 so it went up {$570.00} plus a {$5.00} late fee was added into that how I dont know? Then on XXXX at XXXX I spoke with XXXX XXXX and we cam to an agreement settlement that if I paid them {$6100.00} that my account would be paid off in full and I told her I wanted documentation that it would be and she refused to send me anything. So finally XXXX XXXX XXXX sent a letter saying if I sent a certified check by to the XXXX it was paid in full. I asked XXXX XXXX if I could deduct the checks from XXXX & XXXX and he said XXXX XXXX we have had a good relationship so far and if you deduct those amounts from the money or stop payments on any checks we WILL have a problem.Now today XXXX/XXXX/2015 I get a letter in the mail from XXXX XXXX saying my account will be paid in full when I send {$500.00}. I have XXXX payments missing from my account payments and I found XXXX of my check registers and XXXX of the payments was over {$900.00}. How is this company still in business. They said I owed them money because I had late payments but looking at the statement they gave me its all under XXXX days except a couple was XXXX days and most was XXXX days and they can put in willy nilly. They have law suites for holding payments to charge interest. I added the spreadsheet ( because thats all it is ) and the columns dont even add up. If you make an agreement and its in writing how can they turn around and then tell me I owe {$500.00} more. I 'm on XXXX with XXXX kids and they know that. Please help.
Dear CFPB, My name is XXXX, living in XXXX, Florida. I am writing this letter to file a complaint about CITI bank customer representatives who intentionally misled me that resulted in my financial loss. 

I have applied a AT & T citi credit card on XXXX XXXX. The open bonus of this credit card is {$650.00} sign-up bonus! In order to get the bonus, you need : spend {$2000.00} in first three months and purchased a full price iphone 6S through a special link in my Citi account. Since XX/XX/XXXX to XX/XX/XXXX ( within the first three months ), I have had web live chats and phone calls with citi representatives to confirm that I had met all requirements. They kept saying to me that I have met the requirement and I can get {$650.00} open bonus again and again. However, after waiting three months, it did n't happen and I was told by CITI bank thenthat I have n't met the requirement of {$2000.00} spending. Thus, I believe that I was treated unfairly that results in my financial loss. 

I have enclosed the purchase receipt of iphone 6s by using this card ( ending XXXX ), and a web live chat transcript happened on XXXX XXXX, XXXX for your references. The audio record happened on XXXX XXXX, XXXX will once again demonstrate that I was confirmed by the citi representative that I have fully met the requirements. Therefore, I request to get the full bonus as the statement Citi promised. 

Sincerely, XXXX
Called in XX/XX/2016 asking my parents where I was pretending to be an old friend I believe the caller 's name was XXXX or XXXX it is a debt I DO NOT OWE I told that to the first lady who called me back in XX/XX/2016 asked for verification and she could not provide any. Very frustrating dealing with underhanded tactics.
Equifax is refusing to remove 2 incorrect/fraudulent previous addresses from my credit report. I first informed them of these bad addresses in XX/XX/2018 and after about a dozen calls since then, they claim to have removed the bad addresses 3 times. However subsequent credit reports from Equifax still contain the fraudulent addresses. After all this, Equifax then claimed that they could not tell me which credit company was continuing to report the bad addresses and that I needed to call each one to determine who was reporting it and to correct it. I called all of the credit agencies on my report and all say that they are not reporting the fraudulent addresses. I called Equifax yet again today XX/XX/18 and they said that there is nothing that they can do. So despite their clear admission that they are reporting fraudulent information for me, EQUIFAX SAYS THAT THEY WILL CONTINUE TO REPORT INFORMATION THAT THEY KNOW IS FRAUDULENT. PLEASE HELP!
XXXX has once again fraudulently failed to allocate my payment funds per my specific written instructions. 
On XX/XX/XXXX I submitted a payment of {$340.00}. 
I sent a message via the XXXX message system as well as the President 's office email : " I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' My first message and email were not responded to. 
On XX/XX/XXXX I sent a second message : " This is my second request ... I have made a payment today of {$340.00} today. Please apply this payment and pay off promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' I received an email acknowledgement from XXXX that they would process my request. 
On XX/XX/XXXX I reviewed my account and XXXX did NOT apply the {$340.00} against " promotional amount of {$340.00} for XXXX XXXX 36 month financing from XX/XX/XXXX. '' On XX/XX/XXXX I sent the message : " Apparently I must make another complaint too the CFPB as you did NOT apply my {$340.00} payment to the XXXX XXXX loan of {$340.00}. The US Federal government will be interested as they regulate banks. ''XX/XX/XXXX XXXX messages : " Hello XXXX, Thank you for your recent inquiry regarding your XXXX XXXX account, and the opportunity to be of service to you. Your payment has been applied toward your account balance as you requested and as allowed by federal regulations. Please refer to the Promotional Summary section of your next billing statement to see the adjustment. We appreciate you as a valued customer and hope you will continue to shop with us. If you have any questions or if we may be of further assistance, please contact us at XXXX. We appreciate you as a valued XXXX XXXX account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX XXXXCustomer Service Account is owned by XXXX XXXX ''
XXXX has report 5 miss payments while I was in bankruptcy. I have contact them through email 3 times ( XXXX, XXXX and XXXX ), by phone once ( early XXXX ) and certified mail ( XX/XX/XXXX ). I have contacted the XXXX XXXX and Transunion ; which XXXX decided that the miss payments were made on different months. The new dates are for miss payment are now XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX. These payments were made in good faith and our lawyer told us that we could pay them monthly by check or wait until the end of bankruptcy. Our case number is Case No. XXXX. Payments would have been paid on time if we receive a bill, could pay online or over the phone, but all bills had to be pay by mail. We file for bankruptcy in XXXX XXXX and were out XX/XX/XXXX.
15 years ago I was slow paying my XXXX XXXX bill and had to go on a payment plan with them. 
I try several times to get Equifax to remove this file of XXXX XXXX become the law states that they can only report it for 7 years or 10 years if it 's a court judgement. This XXXX XXXX file has been on my Equifax file for over 15 years since XX/XX/2000. XXXX and XXXX has removed upon my request with no problem. I also try several times with XXXX XXXX as well.
I used XXXX App to send {$1000.00} to my daughter in XXXX, there were no indication at the time of remittance that there is a problems with my transaction but when it was delayed I checked with the bank ( US Bank ) then I received a 34 page " On line use Rules and Regulations '' to complicate already devastated situation.I want to know from the bank " What is the purpose and Need '' of such a long write up?

1-To confuse 2-To show the authority 3-To hold other peoples money in their account.

It is simply not needed and must be removed immediately.

Thanks XXXX XXXX, XXXX XXXX XXXX XXXX State of Oregon
I had a previous error on my credit that I was unaware of. I only discovered this error after being denied several times for loans. I had that issue resolved, but the resulting inquiries are still on my credit and have done nothing but cause more denials in credit since excessive inquiries hurt quite a bit. As a business owner I can't have these issues, especially since they are a result of a previous mistake. And the process to contest inquiries is made nearly impossible by the credit bureaus system. Thank you.
Midland Funding filed a lawsuit against me for an alleged debt of XXXX for an original creditor of XXXX. They have yet to validate the debt to me. In response to my original request for validation of debt sent XXXX XXXX, 2016 certified mail, a company by name of XXXX has responded to me and state that they represent Midland Funding in the suit. I never authorized Midland Funding to share any correspondence that I sent to them with any other company. They also have shared my personal identifiers such as social security number as it was listed in the request for validation letter that I sent them. The company XXXX has stated that they " verify '' that the said collection debt is mine because they received a default judgement on the suit -- all which I am currently fighting through a motion to vacate due to their error in not properly notifying me with a summons and complaint copy of the civil suit. I have sent a follow up letter that demands that Midland Funding verify debt with a signed contract, payment history, billing summaries, and legal acquirement of debt from the original creditor, XXXX. This follow up letter was sent on XXXX XXXX, 2016 and they had until the allowed 30 days per FDCPA from the original request for validation which would have been XXXX XXXX, 2016, but I have yet to receive any debt validation. I am requesting that Midland Funding either agree with my motion to vacate the default judgement or file their own motion to vacate based on all the above described. Additionally all three of the credit agencies, XXXX have found the Midland Funding un-verfiable and have in turn deleted the inaccurate reports that Midland Funding had placed on all three files.