WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a new Key XXXX Checking account because of the promotional bonus being offered to new customers. The stimulations were as follows : Make XXXX direct deposit of {$500.00} at the minimum within 60 days after account opening. Direct deposit transactions are limited to payroll, Social Security, pension and government benefits. Limit XXXX gift per qualifying account. Limit XXXX gift per individual. The value of your gift will be reported on Form XXXX. Your gift will be deposited into your account within 90 days of meeting requirements. If you close your Account within 180 days of account opening, you will be charged a {$25.00} account early closure fee. You had to open the checking account with a minimum of {$50.00}. No problem, I have a great job and thought it will be easy to meet the 60 day deadline. Then I got into a automobile accident! I sustained a XXXX and as a result have been unable to work, my doctor has n't even cleared me to drive. Now obviously I wo n't be able to get a direct payroll deposit into my new checking account since I 'm not working. I thought that would n't be a problem, surely Key Bank will understand that an unforeseeable circumstance with my healthcare providers documentation should mandate a workable solution, right? No, Key Bank absolutely wo n't budge. I offered to transfer the {$500.00} from my primary bank account in order to fulfill Key 's requirement but they said they ca n't. I have worked XXXX a number of years and bad things happen, it is Key Banks job and responsibility to see that I am taken care of as their customer without us little guys they 'd be out of business. I further asked that if no resolution could be made that they refund my {$50.00} that I initially deposited to open the account without a penalty charge {$25.00}. They refused. I ONLY opened the XXXX Checking Account because of Key 's {$200.00} sign up bonus, it 's a great deal who does n't want a bonus. But all the bonuses in the world ca n't buy good business practices. They wo n't buy honesty, integrity or standing behind your word, your people, your brand, your company. By not having good customer service and representation a company is robbing itself of the very essential component ( s ) to keeping its doors open. And customer service without representation is empty.
i signed up for their credit card online on XX/XX/XXXX and when i signed up i saw a offer that if i use {$500.00} on their card withing 90 days, after account opening i will get {$200.00} bonus offer expires on XX/XX/XXXX. After when i completed that purchase requirement they only issued me {$150.00} as in XXXX points. I tried to get a resolution by calling them several times but their customer support is horrible. First time they told me they will issue that missing {$50.00} as XXXX points. And after that no response. I sent them message twice. And finally i called them today XX/XX/XXXX. They told me i am not eligible for that promotion. But i already got {$150.00} as bonus. Its just missing {$50.00}. But they they told me you can only get that if you apply online i cleared them i saw that online on your website and applied and you approved my application. And I took the screenshot of the offer. when i applied so i have that screenshot. I followed all their terms to get that bonus but they are just trying to scam me out {$50.00}. I have a checking account and credit card with them and i am going to close all of my accounts if they don`t resolve this.
Hi I've been working for a XXXX XXXX company for one year and a half For XXXX XXXX, I can't make a XXXX XXXX for a person that is sending on behalf of another one that does not have an ID. Example : XXXX wants to send money to his wife XXXX, from USA to XXXX, but he doesn't have an ID, so he can't do the XXXX XXXX I want to know 2 things : 1- Can the owner of the store XXXX send money on a Customer 's account if he's not present, with his consent? 
2- Can the oner of the store create an account to send money to XXXX , with XXXX XXXX money? 

I have these doubts so I contacted you for an answer. 
Please mail me the answer to " XXXX ''
I disputed inquiry 's on my report 3 times with XXXX and Equifax. I was told they do not delete inquiry 's even if it is due to fraud. I was told to contact the company 's them self 's who ran the credit. I tried to contact the companies with no responses. I told the credit agency 's they are not responding so XXXX and Equifax say the inquiry 's will just stay then. This is not fair to me and my rights are being violated. These are the listed inquiry 's in question.. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXXt XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Equifax : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
This is an error : XXXX XXXX Opened XXXX XXXX, 2017 It has already been removed from the other 2. I promise it does not belong to me.
Tonight, XX/XX/XXXX as i was checking my credit report on XXXX XXXX there was a Hard Pull Inquiry that I did not even authorize on my report from : XXXX - Inquiry from XX/XX/XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX XXXX and XX/XX/XXXX XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX I used XXXX XXXX time during my military years when I was XXXX  In XXXX XXXX in XX/XX/XXXX and after that I have not used it anymore, and now I see that they did a hard inquiry without even me knowing. I tried calling XXXX right away and all they did was pass me around to some people that does not even know how to handle my problem. I have been trying hard to build up my credit score as I am planning to get my growing family a new house. And with unauthorized inquiries like this is not helping at all. 

I am hoping for your fast action on this matter as I am afraid that it might be a case of stolen identity, which I hope not.
I have a debt with a company that my ex wife works for. I also currently have a garnishment order in place through my employer for the debt. I found out by checking my account balance that the company she works for has garnished my hsa ( health savings account ) which is an exempt account for the debt. My ex wife is the only person that knows about that account since I use it to pay our children 's medical bills. I called the medical facility and was told that she was given account information and receipts of my medical payments. This is a violation of fdcpa procedures and a violation of my privacy to use personal information to obtain payments for my debt. This is not the first time my information has been acquired either. I have also obtained new phone numbers since my debt has been with her company and she has obtained the phone numbers without me providing them to her. My personal information is being shared throughout her agency. I have called and complained already regarding the phone numbers she obtained with no resolve. None of my garnishment paperwork shows anything about my hsa account either.
The site XXXX wouldnt work and did n't give me my XXXX or experian reports and the companies wo n't help me. They provided me with the number XXXX which I was unable to connect to a human being which is unacceptable.
I have disputed XXXX with equifax three times, they have a balance on the account of {$280.00} for my old card and {$170.00} for my husbands, they were both included in our chapter XXXX in 2009. Last time i disputed it i called kay jewlers who told me they had sent in the correct information ( no balance ) and that it was equifax 's fault that they werent putting in the correct info, i called equifax and they told me that XXXX had been removed completely, they sent me a copy of my credit report to prove it and then a week later kay jewlers put the incorrect information back on my report! the balance is wrong and that needs to be corrected to XXXX but at this point it should also be completely removed based on the time frame of it being 7 years from date of deliquency.
I have reached out to the collection agency XXXX XXXX XXXX, requesting a letter of validation of debt over three times and they have not complied. This debt was supposedly reported by XXXX XXXX which Ive never owned an account with them. Ive reached out to this Agency three times requestion a letter of validation for this debt, which they have failed to provide to date. I disputed this account on all three credit bureaus and it was deleted on XXXX and XXXX due to lack of information on this debt. The collection agency has reported this debt to be accurate now on the last credit bureau ( XXXX ) without providing the information supporting the validation of the debt. I have exhausted all my resources trying to fix this issue with the company. I recently filed another dispute with XXXX and called XXXX XXXX XXXX requesting a letter of validation. The company reported this account as accurate and hasnt provided the letter of validation.
I noticed a bunch of inquiries that I did not make on my credit report on XX/XX/XXXX. I called and had them removed. I noticed a lot of other inaccuracies throughout all three credit bureaus. The following accounts do not belong to me. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - ( Account number unknown ) On XX/XX/XXXX, I received an email for a denial for a personal loan with XXXX XXXX that I did not apply for and the denial reason was that because I submitted an application within the last 365 days. I am filing a complaint that I believe that I may have been hacked for my information and I am desperately working with the credit bureaus to remove items due to identity theft
I am a XXXX XXXX XXXX & XXXX XXXX Veteran and I went through the proper channels to get my student loan forgiven and discharged. As of XX/XX/XXXX, the student loan in the amount of {$140000.00} was permanently discharged and suspended. The other two credit reporting agencies XXXX  and XXXX both have removed the student loan from my credit report back in early XXXX because I presented them with proof that it was discharged and suspended, but Equifax credit reporting agency refuse to remove the student loan from theirs even after I have submitted the actual letter from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX proving that the loan is discharged and suspended. I have put in back to back disputes and re-investigations into this matter with Equifax and they keep coming back saying that the credit report is correct and the student loan is staying on my credit report. Equifax just will not remove this student loan from my credit report. This has lowered my credit score to the point where I can not obtain credit or purchase a home, potential creditors refuse me credit thinking that I am a high risk candidate and this is unfair to me.
On XX/XX/2018 I received a call from One Main requesting a payment. I was driving and asked the representative if I could call back and she continued to talk. I was trying to pay attention to the road and she continued to harass me and would not hang up. I had to hang up on her. It appears she locked my account so I can not make a partial payment.
I was alerted by XXXX, XXXX, and XXXX  that the collection agency by the name of XXXX XXXX XXXX XXXX added a file to my credit report. So I initially disputed it in XX/XX/2017as  fraudulent due to the fact that I never had a signed contract and/or account with said company. To no avail they did nothing. I recently discovered that this company is not bonded in the state of Georgia to collect debts owed or otherwise. It is illegal to try and collect a debt if the company is not registered with the Georgia Secretary of State. This company is not even in Georgia 's database.
Seterus Inc. did not apply my clearly stated " Principal only payment '' correctly, resulting in me paying several hundred dollars extra in interest. After several attempts to correct this issue, they told me there was nothing that they could do about it, even though they admitted it was their fault.
I 'm filing a complaint against Navient. Several years ago, after taking over my loans from XXXX XXXX, Navient had me sending payments for my XXXX different Lon types to thrsame address. At some point after this began, the address for XXXX loan type was switched and I was never informed. I continued sending payments to the address I had originally received. Several months later, I was informed ( through XXXX XXXX ) that Navient had reported me delinquent on over XXXX individual loans- the loans connected to the account with the address change. When I called Navient to find out how to disput this ( I would have been a point t accept XXXX report of delinquent payments as at that time, I would send a single amount for the loan group ) the customer service representative I spoke with informed me that she alone received multiple calls about this same issue on a daily basis. I followed the steps that were outlined to me to have the information removed from my credit report. Navient denied me. I 've also had several payments returned to me without any clear explanation as to why.
I received a mailer from Chase notifying me that I was invited to receive a Chase credit card ; the language on the mailer said " complete your certificate '', " mail your invitation '', " request your card today ''. Nowhere on the mailer did the words " apply '' or " application '' appear, so I was led to believe that the card was mine, and all I had to do was request it. When I did so, Chase checked my credit report and denied me the card! 

Chase went out of their way to hide that this was, in the end, a credit card application, rather than some kind of automatic, pre-approved offer. **This is clearly a case a misleading/deceptive advertising. ** If I 'm being asked to apply for a card, the word " apply '' should appear somewhere on the letter! 

When I spoke to them over the phone, they insisted that this was an " invitation to apply '', even though the word " apply '' appeared nowhere on the letter I received! If I had known that *denial* was even a possibility, I would n't have responded to the letter - it 's not worth the negative hit on my credit score. 

I am happy to send the CFPB a copy of the letter I received from Chase.
My ex left me, she is on the mortgage, she had a restraining order on me for 30 days until court where her complaint XXXX was dismissed. During this time she lived in the house and did n't keep the payments up. So when I was able to get back in the house I begin to make the payments again. I was one month behind at this point. During the past couple months I had been talking to the mortgage company, Freedom Mortgage, and making payments we discussed a repayment plan that initially sounded like a good deal then after further consideration it was determined at the time that this was not going to work. They are saying that I broke an arrangement and now they need two full payments or they will not even talk to me. They changed the terms of the loan which has now put me 3 months past due including the current month and they are refusing to accept any payment from me which has put me in an even worse position because I am doing everything in my power to get it caught up.
CapitalOne sent a credit card offer addressed to a person at my business that has never been associated with either my business or address. Not only have I been here XXXX years, I also knew the people that lived here before who lived here over XXXX years. When I called their Fraud Dept, it took well over an hour to get to someone who could finally get me an answer. They said they had gotten that name from public record. When I researched the local, state, and national public records, it became abundantly clear they had willfully and intentionally lied to me about it. I can only assume this was in an attempt to cover up their continued and unchecked proliferation of identity theft. A little harsh? Perhaps not as credit card companies are by far the primary reason identity theft has become such a huge problem worldwide that has destroyed XXXX and XXXX and XXXX of lives.
The account in question was removed and started reporting again. The debt collector failed to validate the debt and also failed to prove that the debt indeed belonged to me.
I 'm charging that Citi Credit Card company sabotage my credit rating by lowering my available credit below the current accelerated voluntary payments and then report to the credit bureau that the card is over the limit. They have continue to do this from some time. The latest event in XXXX over {$1800.00} available and payments over {$700.00} paid. Then in XXXX over {$700.00} in payments made with a minimum payment of {$110.00} due. Then in XXXX over {$400.00} in payments ( XXXX/XXXX/15 ) with only {$85.00} due and Citi lower the credit limit between the XXXX/XXXX/15 and XXXX/XXXX/15 and reported the over the limit to the credit bureau on XXXX/XXXX/15. This type of policy cost the client XXXX discount deals that may be offer by other organizations by keeping cards at limits.
Despite multiple attempts orally and in writing ( see attachments ) Roundpoint Mortgage Service Corporation refuses to correct erroneous records regarding its timely receipt of mortgage payments.
On XXXX XXXX, I saw a fraudulent charge of {$360.00} to XXXX on my Chase checking account. I immediately called Chase and reported the fraud ( within 30 minutes of the charge appearing ) and Chase flagged the purchase, refunded my money and said they 'd investigate. On XXXX XXXX, I received an email from Chase stating that the charge was accurate -- I called Chase who said their investigators determined someone ordered a laptop online and appeared in person later ( after it was reported as fraud ) at a local area store to pick it up with an ID. I called XXXX who confirmed that someone did pick up a purchase under XXXX XXXX at the XXXX XXXX store with another person. They would not give me further details except to confirm that the email used in the purchase was not mine. I have since filed a police report with the XXXX XXXX Police Department regarding this incident of fraud and possible identity theft.
To whom it may concern, On XXXX I utilized XXXX XXXX. I've attached confirmation provided to me by XXXX XXXX confirming that my vehicle had been picked up from the location it was disabled. 

For the next three weeks a " XXXX XXXX '' maintained that they had picked up the vehicle and delivered it to XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). During this time I contacted Ford several times which turned me away stating " we have nothing to do with XXXX XXXX. '' I was eventually directed to 'XXXX XXXX ' from a Ford supervisor stating my vehicle was " probably dropped off there by the tow company. '' I contacted them and spoke to XXXX. She felt so bad that we are people with XXXX being refused any type of help from Ford or XXXX XXXX. XXXX contacted XXXX XXXX  ( contracted through XXXX XXXX ) who suddenly changed thier story. The company stated that vehicle was dropped off directly at XXXX XXXX. After days of searching XXXX was unable to locate my vehicle. Once again she contacted the Tow company whom suddenly changed the story to now my vehicle was never picked up. 

Almost a month has gone before I was forced to file a stolen vehicle report with my insurance company. Because of the dereliction of duties and knowingly falsifying information on behalf of XXXX XXXX and XXXX XXXX  my vehicle was privately towed by another company on XXXX. My vehicle was left abandoned and we were left in the dark. 

It is now over two months later and we still do not have our vehicle. We lost so much time playing hot potatoe with Ford and XXXX XXXX that even to this date the vehicle is still not back to us. 

I've made several complaints to Ford, XXXX XXXX. Reference XXXX XXXX no. ( XXXX ) and XXXX XXXX complaint no. ( XXXX ), and a third party company ( unkown name ) that handles the dispatching of contracted tow partners. I've complained to Ford Credit for voiding the contract agreement that we had reasonable expectation as Ford customers that Ford would deliver assistance in time of need. Ford Credit has failed to meet that obligation. 

There is an unfair treatment against myself as a customer with XXXX. I have my rights and I am federally protected from companies like Ford who fail to meet their contractual obligations. The way we have been treated frankly is disgusting. Ford Credit has the nerve to still expect payment for the months that I have not had my vehicle due to their error. This is customer abuse. This is abuse of XXXX American 's.
I was told that nelnet had my student loan and my loans had gone into collections. I called telnet and they told me that they had no knowledge nor info on my account, and that it was referred to a dept collection agency and l now owe the collection agency and l would like to know how do l owe them anything?
Complaint about use of excessive exchange rate for international wire transfer!! 
This is regarding a wire transfer to a ( my ) international ( XXXX ) bank account. In addition to a fee of US {$35.00}, BoA uses an exchange rate US Dollar/XXXX of XXXX, which appears excessive given the actual traded exchange rate of about XXXX. 
Info of wire transfer is as follows : Transfer Date : XX/XX/2015Confirmation number : XXXXOrder number : XXXXFrom : Adv Tiered Interest Chkg - XXXX : XXXX : ( XXXX XXXX XXXX ) Transfer Amount : XXXX XXXX. 

Thank you!!
My ex-wife and I refinanced our home in 2008, and I believe the appraised value of the house was inflated to get the loan approved. As a result, we have not been able to refinance since more is owed on the house than it 's worth. I have previously submitted a complaint here, but Wells Fargo did respond but could not do anything to lower the interest rate which is currently over 6.5 % I believe that I did n't include the key point that the mortgage broker that we originally used appraised the property at $ XXXX, which it never should have appraised for. Wells Fargo bought the loan, put it in their securitized mortgage portfolio and that 's where it sits. The loan is n't eligible for the government refinance programs out there because of this, and Wells does n't want to do anything to help us because they are making a ton of money. Is there any way to look at this from the appraisal perspective?
I filed three fraud claims with Wells Fargo- one was approved as fraud ( {$380.00} ) and the other two were not ( {$170.00} and {$270.00} ). I have spent hours talking with the bank to no avail my account is overdrawn. I have not received a debit card. I have been disrespected and belittled by the lead at the bank I have requested to speak to a supervisor and I have yet to receive a call.
I was current on the payments of the leased motorcycle but I lost my job so I got scared and did a voluntary surrender, brought the bike back to the dealer. Next day changed my mind, called the lease company told them I changed my mind could I keep the bike, they said yes. Then the told me where the bike is and said I have to pay XXXX to get it back I said why my payments are current. they didn't give a reason then sold the bike and are charging me XXXX on my credit report.total rip off scam
UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
There's a fraudulent account being reported to my XXXX  credit report. I have sent numerous disputes letters to XXXX along with a police report and FTC affidavit notarized and they will not remove the account. It's a fraudulent account reported by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL. XXXX dating back XX/XX/2015.