WillisBack/dataset-financial-user-claim huggingface dataset:
I opened a checking account online with XXXX XXXX XXXX on XX/XX/XXXX. Per the terms and conditions of the promotional offer that I received, a bonus of {$300.00} was supposed to be paid after enrolling in online statements and using the debit card for five purchases by XX/XX/XXXX. The bonus was supposed to be paid by XX/XX/XXXX after all criteria were met. I completed these tasks 0n XX/XX/XXXX, but after the bonus did not post, I called the company today, XX/XX/XXXX. After speaking with XXXX XXXX in the 'phone loan ' department at XXXX XXXX, XXXX XXXX AND XXXX XXXX, he informed me that the company would not honor the bonus, despite me fulfilling all of the criteria for the promotional offer to be paid. Additionally, even though the terms of the promotional offer CLEARLY state that the limit is " Limit of one new consumer checking-account-related bonus per household per calendar year. ", and admitting that I had not received any form of bonus yet in the calendar XX/XX/XXXX year, he said that the bonus is supposed to be on a rolling year basis. Per XXXX dictionary, one calendar year is 'the period of 365 days ( or 366 days in leap years ) starting from XX/XX/XXXX, used for reckoning time in ordinary affairs. ' This is absolutely unacceptable. This is false advertising and intentionally deceptive on the part of the bank, and the bank is going back on promises and not paying promotional offers that customers are rightly due, because they believe that customers will simply forget. This is very unfair.
more than six months ago my account was disabled for no apparent reason, I tried to communicate by all means existing with coinbase but I do not receive any help, only emails to delay the help, I have all my funds there and I need to solve the problem what before The Coinbase support is really bad and they dont try yo help at all
They were running a promotion..turn in my phone and i switch companies. And they charged me for my phone
My husband and I obtained a loan from Mariner Finance in XX/XX/XXXX. We used the title of our XXXX Mercedes Benz as collateral. The loan was paid off in full on XXXX/XXXX/2015, by a check that was mailed. The check cleared on XX/XX/XXXX. When we contacted Mariner to ask about the return of our original car title we were told by the branch manager that the title would be mailed. We waited a week before calling back. At this time we were told the title was lost by them and they would get us a replacement. 

We have not received our title nor did we received a paid in full receipt from Mariner. I also spoke with the supervisor of the branch manager.
Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from TransUnion. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$3100.00} Reference number : XXXX {$1700.00}
I deposited some money with Capital One 360 to try it out about a year ago. I called today to tell them to close the account and send me my pitiful account balance. I was told that I have to validate the test deposits before I can close my account and get my money back. So they had no problem taking my money in the XXXX place, but when I want it back I have to jump through hoops to get it. I have never heard of this process with any other institution. It is not about the money, it is about the stupid process to get my money back ... I thought they were " No Hassle ''
My mortgage provider is refusing to cancel my PMI and has required me to use an appraiser that they own ( thus their own bias ) to have my home appraised. What 's more the fee for this appraisal, {$500.00}, is far higher than any third party appraiser for a small, XXXX square foot residence. I would like to use an appraiser lacks the biased interest for the lender and allows me to reuse such appraisal if I choose another lender.
On Transunion I have multiple inquiries I have disputed and never authorized. They need to be removed from my report immediately. XXXX has fixed theirs since I was part of the breach These ones I did not authorize XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX  Finance  XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance
statue of limitation is over on this company, because the statue of limitation being over, they sent me a letter that they were not allowed to communicate with me any longer. Im still receiving letters from this company after they sent me letter stating they couldn't because of statue of limitation.
The date of this collection appear on my credit on XX/XX/XXXX ; I think it was for at the month of XXXX rent for my apartment which was already paid in full after I moved out. I had no idea that I owed XXXX to my old Apartment complex however they did not even notify me by mail or via phone. I have my document of vacating my apartment without any charges on the statements of my account but now I have a collection that will stay on my credit until XX/XX/XXXX. I paid my bill and the Manager was not nice to me and she tried to threaten to damage my credit report and have me thrown off the premises or take my property with my permission. I paid my rent and the bill for a year and 2 months. They also extend my lease contract for another month to get more money out of me.
I have a medical bill from hospital known as XXXX ( XXXX ) account number XXXX. I been making my payment accordingly. 
The balance I have to pay to the hospital is remaining only $ XXXX to my surprise I noticed that a dept collection agency know as MIRAMED REVENUE GROUP is placing same account under collection in the amount of {$160.00} while I am still making payment to the original creditor XXXX ( XXXX ) I attached copies of the payments made to the original creditorI am requesting that MIRAMED REVENUE GROUP remove the false statement they noted on my credit reports XXXX -- XXXX -- XXXX
I have an unverified account from PHNX FINAN. I had previously disputed this account. I have never done business with PHNX FINAN pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that PHINX FINAN Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PHNX FINAN Cease and Desist all further communications and collection actives and provide the verification of the purported
I returned the equipment for this account this was over 7 years ago I settled with this company, I keep on seeing this on my credit file over and over again even though I am no longer liable for this account have I already settled with this company in 2014.
I have an item on my Equifax report that is from a company called XXXX XXXX for XXXX. This is not mine for starters, and they have changed the date of delinquency on 4 different occasions, it appeared for the first time in XX/XX/XXXX and recently as of XX/XX/XXXX, they changed it to XX/XX/XXXX. Thus constantly moving the drop off date. 
It should drop off this month ... XX/XX/XXXX, but they changed the date. 
I have reached out to both XXXX and Equifax to no avail!! 
Please help. 

Regards, XXXX XXXX XXXX
My mortgage company ( US Bank Home Mortgage ) is telling me that I still have 38 years left in my mortgage that was signed back in 2003. I dispute that and I am absolutely sure that I did not and would never sign a mortgage for more than a 30 year term. 
I have contacted them multiple times - phone call, email, and registered mail for any mortgage statements they have with my signature agreeing to such a loan. They have failed to respond. Meanwhile they are about to foreclose on my house.
XXXX XXXX from Eastpoint Recovery Group has been harassing me, my family and friends /acquaintances. I originally spoke with him and told him I paid the debt XX/XX/2018. He continued to call multiple times a day and then began calling my family and friends. I asked him not to call them 3 times and he continued to do so. My family requested he stop calling them and would repeatedly call them anyway. He left a detailed voicemail on my brothers phone about how I am refusing to pay the debt and he will Be reporting me to the credit bureau as refusal to pay. I spoke with him again and told him to stop calling anyone other than me and he has repeatedly been calling. He is very aggressive and wont stop. I have the receipt of the paid account so I know its paid in full. Hes been calling XXXX XXXX, XXXX XXXX, XXXX, and before and after XXXX.
I never applied for a credit line, nor did I see anything while signing up for regular PayPal warning me I was signing up for PayPal Credit.
I received a letter from  XXXX   XXXX   XXXX  .  that represent the client   XXXX   XXXX   XXXX   XXXX  , charging me for a debt of  XXXX  that is not mine.   The date of the letter is    XXXX   XXXX   ,  2017 , but I just received yesterday and it says the original creditor is BANK OF AMERICA / FIA CARD SERVICES  N.  A.   I never had an account with Bank of America or  FIA Cards  so I don`t know why I am being charged.   I calle d FIA  and they don`t explain anything for me, they transferred my call to several people and no one can explain what this charge is about.   I also called   XXXX   XXXX   XXXX   .  that represent the   XXXX   XXXX   XXXX   XXXX   and they also did not know to explain to me what is happening, they just told me that the name in the letter is someone else and they ask me to ignore it, but this charge is in my name and my address, I can`t ignore it!
I am a XXXX woman with low income and I have NJFAMILY CARE insurance and it is covers me XXXX without paying out of my pocket any pennies. I went to the Hospital I have to take some XXXX ordered by my physician and XXXX XXXX sent me to collection when I was not suppose to pay any pennies out of my pocket. They keep send me all this letter and I have been very XXXX.
I have a pending complaint against Fifth Third Bank, complaint XXXX. On Friday evening, XX/XX/2019, I attempted a transaction on my debit card. The card was denied. I tried again, the card was denied. I had nearly {$7000.00} in the bank. I called the bank, I was transferred three times and spent over two hours on the call. After two hours and seven minutes, I was connected to the dispute department at which time I learned via the representative that my bank account had been frozen due to the claim I filed for reimbursement of fraudulent activity. The bank refused an explanation as to why our account was frozen and would not explain to me why they had placed over a negative $ 16K fee/balance on my account. The fraud department supervisor ( XXXX ) would only transfer me to the fraud investigator 's voice mail ( XXXX ) something the bank previously stated was against bank policy. I filed a police report on the fraud and an officer has made an attempt to provide images of the thief ( s ) that corresponds to transaction receipts on my account. However, Fifth Third declined the images. Fraud has been proven. 

I received no notification that my account was being frozen. My account was frozen during late afternoon/early evening on a Friday afternoon, ensuring we would not have access to our funds during the weekend. We have no ability to access our funds in order to purchase fuel for our car or groceries for our family. This is an effort to intimidate and cause financial hardship on our family. The bank is engaging in predatory and retaliatory business practices and attempting to make us absorb the fraudulent activity we experienced through their bank.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX- 30 DAY LATE XX/XX/XXXX- 30 DAY LATE XX/XX/XXXX- 60 DAY LATE XX/XX/XXXX- 90 DAY LATE XX/XX/XXXX - 30 DAY LATE XX/XX/XXXX- 30 DAY LATE XX/XX/XXXX- 30 DAY LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
On XX/XX/XXXX I applied for and was approved for the Citi AAdvantage product. I applied based on email offer I received for XXXX bonus miles. On XX/XX/XXXX ( just 2 days later ) I received another personalized offer in my email for the same card but it was for XXXX bonus miles. I waited until i received my card and then called customer service on XX/XX/XXXX and asked to be enrolled in the XXXX bonus miles offer. The offer was valid thru XX/XX/11 and I had only missed it by 2 days so I was certain they would do the right thing and enroll me in the XXXX offer. But they did not. They said the offer i had accepted was what I was stuck with. So, i asked if i can close my account and apply for the new offer. They said I would be ineligible to apply for that card for the next 24 months. 

So, they think i'm valuable enough to offer me XXXX bonus miles, but once they found found out i had been suckered in for XXXX miles already, they don't want to honor the new offer. That is abusive. 
And why send me an offer i can't use? They APPROVED me on XX/XX/XXXX, in real time. They were in a rush to do that. But they are still sending me new solicitations 2 days later .... that i apparently can not use, because I was dumb enough to apply already. That seems unfair. 

I'm asking them to honor an offer they sent to me, personally. Not something i saw on a website, and ii 'm certainly not asking for goodwill. Just honor your offer. 
This is my first product with Citi ( and obviously my last ). What a stupid way to start a customer relationship.
I have been trying to make contact with a individual via telephone and I am not able to speak to anyone. I am put on hold for several minutes. However, I am getting letters that they need funds before a certain date. I would like to discuss other payment arrangements but I am unable to do so. I have continued to make my monthly payments.
PHH Mortgage company has stopped accepting my monthly loan payment. In XXXX XXXX, PHH mitakenly claimed that I did not have home insurance on the property. I provided proof that I did have insurance. However, this mistake by PHH triggered problems with the mortgage, putting my payments in arrears. I continued to make my payments but these were always considered in arrears because of the escrow account set up by PHH. Six months ago PHH stopped accepting my monthly payments and now PHH has sent my loan to a law office to begin foreclosure proceedings. 

All I want is a detailed review of my loan to determine why PHH took out lender 's insurance on the property given that I also had insurance. Also, PHH has created an escrow for property taxes, even though I have never been late with property tax payments to the City.
Opened account in XXXX 2013 with Santander Bank in XXXX, MA. Was told that all my accounts were overdraft protected. I was never notified about any changes and have been charged for account " maintenance '' and overdrawn accounts, even though the telephone customer service did n't help. I went to a local bank in XXXX XXXX and met with a bank representative who told me he would contact the XXXX office. After a week or so I had n't heard anything, so I emailed said banker who wanted me to call him. I told him I would rather email and I have n't heard from him since
I am writing to dispute my Costco/retail services Capital One credit card. I found out my credit score took a significant hit from XXXX to XXXX since XXXX XXXX. This was alarming due to my score having been XXXX or greater for the last 10 years. My Credit Lender pointed out that it was due to a Costco account that has been delinquent since XXXX XXXX in the amount of {$150.00}. This amount reflects late fees on a yearly Costco membership that I was never notified of. My lender stated that he has seen this situation with other clients from time to time. 
Our situation is that we moved from XXXX, XXXX in XXXX XXXX. We have not used our Costco card since XXXX XXXX. Since our move, I personally had all mail forwarded to our new address in XXXX, XXXX. We have been receiving our normal bills with the yellow change of address labels affixed. Mysteriously we never received any notifications or bills from Costco/Capitol One. This was never a thought due to the card not being used in over a year. 
I immediately contacted Capitol One and spoke with a supervisor. I presented my case to her. After some review, she found that our mail was returned to sender ( Capitol One ). Not only was my mail returned, my account had been closed. I wrote a letter to Capital One credit department on XXXX/XXXX/XXXX without any resolution of removing this delinquency from my credit report. I am requesting that this be removed from my credit report and taken care of as soon as possible. As you can imagine this greatly affects the status of my loan aplication. As mentioned, my above credit score is a reflection of my timely payments to all of my creditors. As you will see in my payment history with Costco since approximately XXXX, I have never been delinquent. I hope you can see the uniqueness of this situation. I greatly appreciate your consideration.
XXXX continues to call my place of business over XXXX times a day. I have asked them to stop, my attorney has sent them a letter, but they continue to call. They use obscene language and said they will continue to harass me until I send them {$500.00}. I had a payday loan that was declared in a bankruptcy 2 years ago. This was also explained to them.
In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my XXXX XXXX Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. 
Now, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement.
I have been trying to open a business account since XX/XX/XXXX. I have been unable to because allegedly I have a past due balance on a personal account that was closed in XXXX. The alleged balance was charged off, but somehow still carries a balance. I have been requesting validation of this alleged debt every 30 days since XX/XX/XXXX. I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form on or before XX/XX/XXXX. I repeatedly made these offers ; every 30 days to be exact. On every occasion, they have either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right, they have refused to accept payment in the process. That settled the matter legally and financially at XXXX hours on XX/XX/XXXX. As of today, XX/XX/XXXX, the alleged debt is still there so I am unable to open my business account. With no valid documentation ensuring the alleged debt is 100 % verifiable and 100 % accurate, this alleged debt does not exist. The CFPB ordered Navy Federal to pay $ XXXX on XX/XX/XXXX for these same exact practices. It is obvious that those same exact improper debt collection practices are continuing today.
HSBC is reporting a credit card that was transferred / sold to another company as a charge off. This is in violation of the FCRA as an item that has been sold can not be listed as a charge off by the company that sold the debt. HSBC has not addressed this concern in my prior requests to them. They are causing damage to my credit and I intend to litigate this matter. I contacted the company they sold the debt to and I was advised that they are no longer reporting this account as of 2010. However the original creditor HSBC is reporting it as a charge off but they profited by selling it to XXXX XXXX. HSBC has been less than helpful in attempting to resolve this concern and continues to cause me more damage.
They left a voicemail on my business line that said they were trying to collect a debt from me. When I called back to request they send me proof that I owed anything they said " we 're not going to send you anything ''.
Despite my multiple written requests, the unverified items : XXXX, XXXX, and multiple unauthorized inquiries from XXXX XXXX to XXXX XXXX, still remain on my credit report in violation of Federal law. In their results of re-investigation, Experian stated, in writing " verified '' that these items are being " reported correctly ''? Experian still has not identified who in their company verified the accuracy of these accounts or how they verified them. Experian 's failure to provide me with verifiable proof required for their company to post the accounts listed above is evidence that it does not exist and therefore is proof that they ca n't properly " Verify '' the accuracy of any of the disputed accounts. Under section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " promptly delete all information which can not be verified. The law states that Experian must be willing and able to produce a document in their files that proves the account ( s ) /inquires belong to me/or they was given permissiable purpose to pull my credit report. Someone must authenticate the documents in my files that was used to verify the disputed information, and to do this they must have 1st hand knowledge of the alleged accounts ( s ) and all that has ever transpired for the alleged account ( s ) /inquiries. Experian has failed to do this after several letters and phone calls.
I have paid my car loan every month on time and my car loan company has reported me 30 days late for the past 3 months. On my credit report it stated I was 30 days late for XX/XX/XXXX on XX/XX/XXXX. I am in the process of purchasing a home. I am unable to proceed because my credit score and report have been negatively affected by the false reporting. I have contacted the loan company and was on the phone for an hour and a half with no resolution. I was told it takes at least 20 days to research the problem. This is causing myself and my family major problems in getting a mortgage for a property that we want to buy. We risk loosing the opportunity to purchase what we want because of the negative reporting in error. 
As you can see in the attachment of my payments there is only XXXX late fee assessed and it is in XX/XX/XXXX. This was not late as you can see it was paid on XXXX XXXX.