WillisBack/dataset-financial-user-claim huggingface dataset:
My loan was sold to XXXX and I have not received any information on how to make payments, including a new loan number.
the bank is supposed to honor a {$200.00} new account bonus, as long as i has a direct deposit from a paycheck. 

I have contacted the bank probably 5-6 times, and i have already submitted a CFPB complaint. 

The company 's response to my last CFPB complaint is invalid. They are advizing that my " direct deposits '' do not qualify - yet they have no valid reason to say this. Their frontline reps already tried telling me the direct deposits are not valid - when i showed them pay stubs from an employer, they came up with a new reason of why i do not qualify for the bonus. So, BMO already has my pay stubs on file, yet they are asking to see them again. What is going on? - EXPLAIN TO ME HOW MY DIRECT DEPOSITS DO NOT QUALIFY????????????? ON WHAT BASIS ARE YOU SAYING THIS??????????????????????????????????? READ YOUR OWN REQUIREMENTS, COMPARE IT TO THE PAY STUBS THAT YOU ALREADY HAVE ON FILE, AND EXPLAIN TO ME HOW YOUR REQUIREMENTS WERE NOT MET!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This is a copy and paste from their response to my previous cfpb complaint : " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. We reserve the right to request documentation that the direct deposits qualify. '' P.S. 
If you are going to try to deny my the bonus once again, i kindly ask that you read the emails ive already sent your company. Like ive already mentioned, youve come up with 5-6 completely false excuses to deny the bonus - each time i have replied to your company, disproving the excuse, and then you just come up with a new one. 

Your company 's response to my previous CFPB complaint was already disproven in my 2nd of 3rd email to your company. Please respect my time as well as your time and read the emails so that you dont try using an excuse that has already been disproven. 



P.S.S : i am attaching a copy of one of the pay stubs which proves the direct deposit come from an employer. BMO Harris has on their records this deposit, as well as the 2nd deposit from the same employer which makes me qualify for the {$200.00} bonus becuase both deposits are mroe tahn {$300.00} and happened within 90 days of account open.
My bank is USAA. Over the years they continuously raised my available credit limit on my personal credit card without asking me and they did so while the card was maxed out or close to it. But since I was able to make the minimum payments, they kept raising my limit. I remember reading that XXXX XXXX XXXX got big fines for doing the same thing to small business. This seems illegal and predatory lending. What started as a {$2500.00} limit eventually became {$16000.00} and I never asked for credit increases. 
Then I got the flu for 2 weeks simultaneous with a pay cut and then fell behind on payments. I contacted the Member Assistance dept and asked for lower payments ( {$350.00} was became too much for me ) but they said no. All they offered was 'Pay us XXXX % of the total and we 'll close the account '. Now they have charged off the card, ruined my credit and made hard for me to get a job or apartment. I am an XXXX XXXX veteran that got suckered into this credit situation by a bank that advertises that it treats the military community special. It 's just predatory affinity marketing similar to the Rent-To-Own and XXXX places just outside the gates of military bases. They sold my debt to a collection firm after tacking on about {$2000.00} more in interest for an {$18000.00} total. Over the years I paid around {$17000.00} in interest. Crooks. plain and simple. XXXX would have knocked their booth over.
Credit card was paid in full and its showing on credit report as closed. I need it removed for my account.
Why my FICO IS XXXX WHEN OTHER CREDIT COMPANY REPORT MY CORRECT FICO SCORE?
In 2017, Best buy charged me the full interest for 2 item amounts that were interest deferred : Total ; XXXX $ All interest rates across all charges/promotions were the same All payments were applied to regular purchases, even in the 2 billing cycles leading up to the period when the deferred interest expired. 
After that month, my interest rate increased by 1 % across all charges without notice. 

I noticed this in XXXX before XXXX and called Best buy rep and complained asking why payments were never applied to the deferred interest promotion. Rep said that payments are always applied to the highest interest rates yet, my rates were all the same. I became frustrated asked for 3 years of statments then canceled my card.
I have been charged overdraft fees and checks have been returned on my account causing more fees fro m other companies too also charge me fees for reprocessing the checks that have been returned. Huntington Bank states that they give you 24 hours grace but they do n't. In fact one day they gave me no notice at all : returned a payment to my credit card company and charged me a fee & this was all on a Sunday ( not  even during banking hours. Also- I am signed up for text alerts, email alerts, daily balance alerts, etc. I was not notified of anything in advance. Only after the fact. I was charged  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  by Huntington Bank and then  XXXX  dollars by  XXXX  for redeposit of checks tha t Huntington had sent back without notice and without 24 hour g race. I had tried to buy something with my debit card & I had been approved to go into the negative on my debit card was declined - the branch manager returned  XXXX  overdraft fee  one tim e because he said that was wrong- but I still had to pay the  XXXX  dollar fee to  XXXX   XXXX .  Huntington  refused to heed my complaint so I thought maybe you could help. Is n't this false advertising?
VICTIM OF IDENTITY THEFT AND THIS HAS BEEN ON MY REPORTS.I HAVE NO KNOWLEDGE OF THIS ACCOUNT.PLEASE DELETE THIS DEPT THAT 'S IN MY NAME.I HAVE NOT HAD SERVICE WITH THIS COMPANY IN THE REPORTING TIME FRAME
Disputed with the company multiples times, also XXXX XXXX sent out letters on my behalf at the beginning of the year with no response so I sent my last and final validation letter on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail tracking. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response. The bureau did not provide a written contract between myself and XXXX.
I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late  payments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.
I have been trying to dispute information on my transunion credit report. I 've spent 2 days on the phone trying to get to speak to someone. My file is with ( I am told ) in a different department being I had identity theft. I called XXXX as I was told. However I get an answering machine telling me to leave my name number ss # file # etc. I call the main number for transunion and after being on hold for so long I am either transferred or told to call the above referenced number. I have incorrect information on my credit report that I would like to re-dispute as I have substantial additional information to correct this incorrect information. XXXX ( fraudulant account ) has been verified with XXXX fraud investigation dept that it is to be removed off my report. XXXX XXXX account should have no deragatory history marked ( I also have a letter from commenity bank/victoria secret that this account has never been paid late and it is reporting as a late payment XX/XX/2014. Which is 2 years ago. They verified this historical payment on this account was never late and all this time it is reporting as a deragotory remark which is affecting my credit score. I am trying to correct and fix this information along with my commenity bank/express account which is also reporting as potentially negative ( which again i have substantial proof that this account was never paid late either and the deragotory remark should be removed ). It is very fustrating as transunion will not take my call. My time is very valuable such as everyone else 's but this is getting me really aggravated that I keep getting an answering machine and someone will call me back. I 'm not going to receive a call back and I want this incorrect information corrected.
I keep getting theses Low APR Balance Transfer promotions at 0 % ( especially with my own Bank of America ). The fine print reads they will charge a 4 % transaction fee for balance transfers. To me the 4 % should be included in the APR. Here 's a copy of what I saw : Low APR Balance Transfer 0.00 % promotional APR until XX/XX/XXXXon balance transfers completed byXX/XX/XXXXAfter that, 10.49 % a variable APR based on the U.S. Prime Rate The transaction fee for balance transfers is 4 % ( Min. {$10.00} )
On the XXXX of XXXX some went into a bank in New Jersey and deposit a check for {$3500.00} into my daughter account She lost her debt card few weeks ago on the bus, Someone must of pick it up and use it @ XXXX for {$1900.00} then went to Atm and withdrawl {$500.00} At the time there was No money on her card How they let them transaction happen i dont know Now her account is - {$2400.00} and they want me to pay they been taking all the money out of my other account as well They denied my despute and there reason was They check the history of Atm uses and said there were different people using her card Which is not true
This is in regards with my previous dispute with Key Bank. My ATM/debit card associated with my checking account has unauthorized activity on it. About {$5000.00} in unauthorized activity from a XXXX. Now, I 've notified you several times about this and you refuse to do anything about it. I 've notified you well within the required timeframe. According to the Consumer Financial Protection Bureau, the law states ... 

If an unauthorized transaction appears on your statement, but you did not lose your card, security code, or PIN or have any of them stolen, you should still notify your bank or credit union right away. Under federal law, you will not be liable for the transaction if you report it within 60 days after your account statement showing the transaction is sent to you. But if the charge goes unreported for more than 60 days, your money could be lost. 

... so, as you can see under federal law, I am not liable for the unauthorized transactions. I notified you well within the 60 day time frame. Credit my account or I will take legal action.
I 'm filling a complaint against  XXXX  credit bureau Experian,  XXXX , and  XXXX . I checked my credit at  XXXX   XXXX  which send me an alert that my  credit score has changed. I checked my credit score on   XXXX   XXXX . My  credit score  had fallen very low from going  XXXX  to  XXXX   ( Experian ),   XXXX  to  XXXX   (   XXXX   )  " I was Mad ''. They are going old information that been removed. One I do n't have a Bankruptcy. Second I do n't have  a Tax Lien. I w ant all information remove " NOW ''. The information is attach to this complaint. I pay my bills on time and I do n't need false information against me or my family.     The Fair Credit Ac t ( 1970 ) 15 U.S.C -1681 The Truth in Lending Act The Fair Credit Billing Act 15 U.S.C -1681 State Status of Limitations The Fair & Accurate Credit Transactions Act The Fair Credit Debit Collection Act U.S.C 1692 - 16920
I have a credit card account with Navy Federal, I open this account XX/XX/XXXX. I opened the account because i was referred by a friend. When I tried to sign into my account to make my payment, they told me that I didnt have access to my account because I was not apart of XXXX. I let them know that I was referred, they told me that, since I was not directly in XXXX the locked the account. I told them my credit card was still working, and I just wanted to have access to my account so that I could make a payment and see whats going on with the account, charges and all that. I did not want to make payments blindly, not knowing the charges on my account, or if fraud or anything was going on and I didnt know. They would not give me access. I have called several times asking for access to my account so that I can know the charges on my account and to make payments. They have not given me access. I do not think its right to be restricted out of my account and expected to make payments, not know what Im paying for and the only way i can make a payment is calling customer service. My account is still open with Navy Federal, but they have locked me out, but still charging me late fees and etc, but not allowing me see whats going on with account. this negatively effecting my credit now. My account is now 90 past due, again i want to pay what I owe, but I would like to have access to my account to do so.
I cancelled an order with   XXXX   on Thursday. The Authorization hold was on. The money appears to have dropped back into my Account on Friday it was back to Normal. I Checked my account on Saturday and I was Overdrawn. The charge is still only PENDING! I know instead of it clearing I 'm getting fees. If it 's only PENDING how can I be overdrawn? I have reason to believe that they reordered the Charge to create this overdraft.
I have tried to complete a loan modification through CitiMortgage Inc., but they refuse to forward my loan documents to the investor. CitiMortgage is the servicer, XXXX XXXX is the master service, and XXXX XXXX is the investor. When I submit a loan modification my paperwork is sent only to XXXX XXXX and my loan modification is not being reviewed appropriately.
TransUnion has inquires that I never authorized on my credit file. As well as disputing a mailing address that is being reported incorrectly. I mailed a disputed letter to them on XX/XX/2018. They never responded nor removed the unauthorized inquires
I am a victim of identity theft and I have noticed that the following items are being reported and do not belong to me. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
In XXXX 2015 I rec 'd a letter stating that as part of a lawsuit my second mortgage was being forgiven by Bank of America. It was to be effective XXXX 2015. The account has been removed from my banking and I do not have access to it anymore. However, I called to get a letter of release in order to sell the property and I was told I would have to wait 30 days. I waited more than 30 days and called back. This time I was transferred to a nthe new department. This rep stated that there is a 90 day waiting period before the letter of release will be mailed. The 90 days expired XX/XX/XXXX. I called back and was advised that this letter of release could take 1 week-10 months to receive! The property is currently under contract to be sold and we can not close until this letter is filed. It has taken over a year to get a contract on this property and we do n't want to lose this buyer. If we can not close with this buyer we will be forced into foreclosure!
A purchase was made on XX/XX/XXXX, for a laptop, valued at {$2500.00} USD. The laptop broke on XX/XX/2018 due to motherboard failure and is non-repairable. A claim for the broken laptop was submitted to Chase Card Benefit Services on XX/XX/2018 under their purchase protection flag of services on their Chase XXXX XXXX credit card. 

After this time I submitted all requested paperwork to XXXX, on XX/XX/XXXX they requested additional information. I provided the information on XX/XX/XXXX. Following this they requested additional information on XX/XX/XXXX, and I provided the requested information on XX/XX/XXXX, this is due to me being out of the country temporarily on a work trip and finding a computer repair shop that will write a bill of repair/non-repair in English was extremely difficult to locate. 

At this time the case has been open for over a month, and every time I reach out to their team on the phone they refuse to escalate or say that they've escalated the case and they haven't. 

Purchase Protection link on Chase XXXX XXXX XXXX XXXX XXXX XXXX
I recently joined with a student loan debt relief company named XXXX XXXX XXXX XXXX. this company made many promises about settling with XXXX who I got my college loans. They said they could get the loans dismissed or settle for a really low amount. So I signed with them and in return I would have to pay a retainer of XXXX dollars. I only agreed to join with this company if they could get my mom off of my loan as a cosigner first. The reason why is they wanted me to default on my student loans and pay the retainer fee. This would not only hurt my credit but my moms which I refused to do. They promised that they could get her off and payments to XXXX would not began until that happened. Little to say they lied. Payments began getting deducted from my bank account immediately and 7 months later still no cosigners off and no settlement of course. Now I am trying to get a refund and I am trying to cancel this relationship with the company. The company XXXX is making this process really hard. They have denied my refund and they keep putting through hoops to terminate this relationship. They are hard to reach and they keep giving me the run around. Their suggestion to me what to just continue the relationship since I have already paid XXXX dollars to them. Right now I have a lawyer looking into it because I feel I am being scammed. This really breaks my heart because I owe so much in student loans already this is the last thing I needed. I came to them for relief not more stress. If you could help me I would be appreciative. Also, the company that debits my accounts is n't even XXXX, they had me make payments to another company named Loan Hero. The only way loan hero will discontinue charging me and take the debt I owe off of my credit report is with a phone call from XXXX who is not cooperating. All the documents I signed with the companies were online. Everytinme I click to review the documents they have disappeared. Ive requested the contracts and XXXX says they sent them XXXX XXXX  but every time I call for the past two weeks they are like they are on their way and have no way of tracking them.
I do n't know who 's social this is.after being denied credit and seeing the reason i did some investigating and found that credit karma a third party is reporting inaccurate information. I spoke with the XXXX bureaus they show one thing credit karma another. I am attaching a transunion report with supporting documentation. I am XXXX behind this. Because of this i have to apply for a secured card just to try and build my credit while disputing this mess. I attached the denial letter with a score of XXXX. XXXX says i have no score but yet i pulled all three bureaus and it shows a score. As a consumer im confused and dont know how to fix this. 

Please help me. I want to buy a house and a car with a good interest rate.
On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX with XXXX stating an account had been opened in my name. He called to verify that I opened the account. I explained that I had not opened an account nor applied for any accounts with American Express. I asked for the information on the application so I could file a police report. XXXX stated he could not provide any information. I asked to speak with a manager and XXXX stated none were available. I explained that I would file with the proper regulatory agencies if this information was not provided. XXXX stated a manager would call back with 24 hours. No manager ever called back. 

On XX/XX/XXXX I called ( XXXX ) XXXX and spoke was XXXX. He acknowledged there was a request to speak with a manager or the person who could give me the information needed to complete a police report. He acknowledged no one had ever called me back. XXXX specifically stated, " Nobody can give you the information over the phone. A manager can not help you. '' I asked to speak with a manager and was transferred to XXXX who identified himself as a manager. I explained the situation and requested the information to complete a police report. I explained that every other bank with whom this situation has happened, provided the data required to complete police report.. XXXX stated , " A letter has been dispatched. '' When I asked for the date of the letter, he refused to give it to me. He stated, " I 'm sorry I can not disclose any information. '' Having dealt with identity theft for the past three years, every institution has supplied the information over the phone, except for one. They were investigated by federal agencies for failing to do so. I explained to XXXX that I would open investigations if I did not receive the information needed to complete a police report. He refused to provide the information. 
. It is being noted that American Express failed to provide any information so a police report can be filed.
I signed up for new linked checking and savings accounts on XX/XX/18 in response to Citis advertised offer of {$400.00} to transfer {$15000.00} from my old bank and maintain that balance with Citi for 60 days. I did that and I confirmed with Citi by online chat on XX/XX/18 that i had met eligibility requirements as long as the funds remained in the account until XX/XX/18. Citi has deposited the promised funds to my account.
Today I recieved the letter from Bayview Loan Servicing about " Notice of Default and Intent to Accelerate '' alerting me that I'm in risk of default because I missed the payments since XX/XX/XXXX. Even though, when the loan modification was signed they adjusted the interest to 4 % and now they are trying to put me in default. 

A complain is already opened for them to adjust to 4 % instead of 5.62 % because they assumed it was a clerical error. It is definitely not an clerical error which they are trying to put me under default so they can proceed to foreclosure. Since the first modification I have made payments on time and now they are claiming I'am in default in the amount of {$20000.00}.
XXXX sued me back on XXXX XXXX, 2014. I had requested validation from them but never received it as requested. I went to court and represented myself and I had requested validation even then but the lawyers did not produce anything to prove it, they still won a judgement against me. When I had requested proof from XXXX what a did receive was a letter and copies of statements but no contract with my signature. XXXX now has a Lien on our home and emptied out a small bank account. My right to validation under the Consumer Rights Act has been severely violated.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when it is clear who is affected by the breach.