WillisBack/dataset-financial-user-claim huggingface dataset:
Did not receive Bonus offer of {$150.00} after completing requirements. In XX/XX/2018 I opened up a Bank of America account online. On the main page it said if you open an account you will receive a bonus offer of {$150.00} after 90 days if you have two or more qualifying directs deposits of {$250.00} or more. Moving forward, I opened the account online, received my debit card in the mail and met the requirements. After 90 days, I contacted a rep in XX/XX/2018 on a Tuesday and was advised that I would receive it directed into my account within 3 days that Friday. I never got it so I called back the following week and another rep told me it was in the final stages of review and that it would be in my account during the next billing cycle which was XX/XX/XXXX. Once that date passed, I never received it and contacted someone on XX/XX/XXXX. They reached out to there promo dept. and was told I did not qualify because it was a targeted offer which it wasn't. It was displayed on the website for everyone to see who chose to open an account. I met all the requirements and had more than 2 qualifying direct deposits. The woman searched for the offer and couldn't find it which i don't know how because it was on the website. She then placed me on hold for another 20 minutes and said she finally reached out to someone else and explained that I qualified and now I was told I would receive a check in the mail in 30 days. I never received it so i contacted BOA yesterday sat on hold for an hour and was told the previous woman that I spoke to was never guaranteed that I was going to get a check and now this rep told me since I didn't click on a " open now link '' I will not receive the bonus. This is such false advertising. There was never a link to click on. I was told different things by different reps. This is the whole reason i opened my account and since I met the requirements, I want the bonus.
My Initial complaint no. is   XXXX   ( CLOSED ). This serves as a second complaint agains t CitiMortgage  regarding the lengthy time to satisfy our request for a short sale. In   XX/XX/XXXX ,  I requested hardship assistance, and my account has since been reassigned to multiple agents, and as of today  (    XX/XX/XXXX   )  CITI ha ve yet to respond. In   XX/XX/XXXX , o ur authorized third party ; provided all requested documentation t o Citi, an d our file was then submitted to the  Citi Underwriting D epartment for review, and it was noted that all documents requested were consistent with underwriting guidelines. In   XX/XX/XXXX ,  our file was again reassigned, but in     XX/XX/XXXX ,     the Short Sale department stated that additional documents were needed to proceed with the short sale. We again went through several requests for documentation, and on   XX/XX/XXXX   we were advised that the requested documents were received and our file was submitted for review by a Short Sal e Negotiator.    According to the last communication from  Citi o n   XX/XX/XXXX ,  they were to advise response to request in 15 days which I presumed business days which gave them until Monday the   XX/XX/XXXX . O ur request for resolution has been met with negative results.   Your assistance with providing us relief on this matter is greatly appreciated.
Dear Sir/ Madam, I am a freelance journalist who worked recently for XXXX in New York . On XXXX XXXX XXXX, XXXX Newspaper erroneously instructed their bank, Chase in New York, to pay {$2500.00} into an XXXX XXXX XXXX account of mine, even though XXXX had been under receivership since XX/XX/XXXX the previous year following a corruption scandal ( additionally, the account been closed in XXXX XXXX, so no longer existed ). 
XXXX has since learned from Chase in New York that the funds first went to XXXX, then to XXXX for further credit to XXXX XXXX. Chase in New York has told us that XXXX now has them, but despite frequent approaches I have received no indication that they will be returned in the near future. 
Could you please advise on whether Chase was negligent in making a transfer to a non-existent account at a blacklisted bank? 
I will try to attach a copy of the wire details - the trace number is XXXX. 
Many thanks in advance for your help. 
Best wishes, XXXX
XXXX FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY.IGNORED CEASE AND DESIST AND AND DON'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL (GOT PROOF).
I have written chexsystems regarding a reporting account in my name. Company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date Reported : XX/XX/2015 Acccounts ending in XXXX and XXXX I was fraud-ed and reported it to the bank and they said i would not be charged. Now they are reporting Account Abuse no results I owe them {$430.00} and {$250.00}. I have deputed this threw chexsystems with no results or documents supporting this.
I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If XXXX is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
I attempted to open up a credit card with Wells Fargo in XXXX XXXX  2017 and was denied due to my XXXX status.
In XX/XX/XXXX, I owned a XXXX  and applied for a business loan in the amount of {$10000.00} of which I was given {$9000.00}. 6 months later the business closed and failed to continue with the loan. In XX/XX/XXXX, XXXX XXXX had filed suit against the Corporation and has attached this law suit against me, personally. I have tried to inform them that they have attached a discharge in the amount of {$46000.00} which is effecting me with attempting to acquire a better rate, apply for a car loan, and rent a place for my family and me. I have contacted thier attorney several times and asked for them to remove that negative item. We are currently going to court in a civil limited case and they have already informed the credit companies that I owe them {$46000.00} Please Help, I dont know if what they did violed the law which it hasn't been resolved through the courts or the judge 's decision on the out come..
In 2012, I believe that I became a victim of a phishing scheme and credit card fraud. I also believe that I am wrongfully being held to blame for the charge-offs on my credit report because Bank of America refused to accept my disputes against the fraudulent charges to my credit card and they failed and refused to protect me from fraud as implied in their Visa protection policies, after I did file my disputes " on time '' with them. // After a " no settlement '' with them, I filed a complaint letter to the Consumer Financial Protection Bureau and received a return letter without the said " attachments ''. // A request for the attachments has been submitted to the CFPB. // Once I had spoken with XXXX XXXX and the credit card account was closed, I was never notified that any charge offs were being placed on my credit report. I had never even heard of a " charge off '' and had known nothing about what it was " ever ''. I feel that I 'm being deliberately " set up '' for some sort of further damage to me by Bank of America. // I 've always been told that any credit card purchases have guarenteed protection and money back protection against " any '' fraudulent transactions. // Only until now, I accidentally found that I could file a complaint about this matter to the Federal Trade Commission . // When the bank closed my credit card account, via XXXX XXXX actions, I believed that the matter was settled and over with. Nothing was said to me about it, no mail notification, no phone calls, no emails, so I believed that I was cleared by their " fraud protection policy ''. ( Now, a double fraud against me ). // I now wish to demand that this matter is to be cleared and erased from my credit report history and my normal credit score restored, ( about XXXX ) with all of the credit score companies. // To me, in 2012, as a normal and un-informed person, I considered that a closed account was now null and void. // Any damaging information being added to my credit report without my " consent or knowledge '' is what I would call " illegally withholding damaging information against an innocent person '' ( by Bank of America ). // I wish to demand justice. // I had no idea that this was going on against me, whatsoever. // End.
Chase closed my credit card account without warning on XX/XX/XXXX. 
I contacted them to re-open my accounts but they would not. 
When I opened the credit card account I was charged an annual membership fee of {$75.00} on XX/XX/XXXX. 
Credit card accounts should be re-instated or the full annual fee refunded of {$75.00}.
I received a letter from MCM dated XXXX17 stating the following : Dear XXXX, You have already paid MCM {$3700.00} and we want to help you resolve this account once and for all. Call XXXX XXXX XXXX XXXX or visit us online to finish paying off this account. 

We offter the opportunity to : pay a reduced balance in a single payment or make small monthly payments to resolve the debt over time Midland credit management, inc. would like to thank you for paying {$3700.00} signed XXXX XXXX, Division Manager I called Midland to see if I could settle since I am about XXXX done. Upon calling they stated that they do n't have the authorization to settle and that XXXX 's of letter were sent in error. 

She then referred me to XXXX who is the law office who taking care of the debt.
I just found out that I have been charged for a credit protection plan on my Macy 's credit card. As far I know I never consent that. I asked them to show me proof of my consent and they said they do n't have the information available so I request a full refund. The costumer service representative gave me another phone number to dial XXXX.
I contacted the number and found out I am enrolled since 2008 ( since I open the account ). I told them I wanted It cancelled immediately and also asked for reimbursement and they said it must go through a review process and gave me a confirmation number XXXX. I do n't understand how this separate company that has " no '' affiliation with macy 's has the power to attach fees to the account that in my case can be only used at the store.
I think this an scam and I want the full refund of all fees they have charge for this unauthorized protection plan.
They are not even able to let me know the total amount because can only see the last two charges and online I only can see the last 5 months.
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT FROM XXXX XXXX XXXX AND XXXX XXXX APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
On Monday, XX/XX/XXXX, I attempted to open a Home Equity Line of Credit through my Credit Union. I was told that they were unable to access my Experian credit report.

That evening I called Experian ( after researching on the internet how to get an actual person, because there is no way to get a live person through their numbers ) and was told by XXXX that the report was fine, and had been accessed twice by the credit union. 

On Tuesday, XX/XX/XXXX, I went again to the credit union. This time the back office was contacted and told me that the report was run but there was no credit history, and the address on file was actually the address of my ex-husband, where I never lived. 

I made several calls to Experian on Tuesday, but was unable to get a satisfactory result. I was told repeatedly that my report was fine. 

On Wednesday, XX/XX/XXXX, I called Experian again. I spoke with someone in Personal Solutions who began a report ( # XXXX ) and corrected my address. My credit history is still unresolved. I am still unable to obtain a home equity line of credit. The other two credit reporting agencies, XXXX and XXXX, have correct reports as of XX/XX/XXXX. I need this issue resolved. I have now spent countless hours on the phone and have no resolution.
Received check in mail from XXXX XXXX for {$800.00}. Before the check could be deposited to my bank I had to call a number to get verification number. to activate check ... .Called, spoke to lady gave her additional information that she ask me about. Deposited check the next day. 2 days later checked my bank and they had had the check returned stating problems with endorsement. Called them, they could not find an answer, talked to my bank, they were confused as to why returned check. Then corporate office calls me and says sorry it was a mistake on our part. Gave no reason why. Then told me I would have to get all this personal information of mine and come to the store and give them all this to get check reissued. And that was the only way. Sounds funny to me. Sounds like that's the way they run their business. Making me have {$1200.00} overdraft with my bank. and now can't pay bills because of this ... I intend on complaining to everyone I can. This was definitely a scam.
ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE
XXXX XXXX,2017 {$130.00} A.R.M. Solutions sent a letter stating that they were a debt collection company for the XXXX XXXX. The letter stated that if I did not pay the {$130.00} it would damage my credit. 

This " debt '' is fraudulent and I do not owe The XXXX XXXX any money. I have sent a letter, phone calls and email to A.R.M and XXXX XXXX XXXX and the matter is still not resolved
Overview : I have been dealing with debt due to a disagreement between XXXX financial institutions over a credit card balance transfer where neither financial institution is taking responsibility for the amount of the transfer. As such, I am accruing interest from both institutions ' accounts for several months because I 'm unsure which account will be able to reimburse me in the end. 

-- - Details : After I signed up for a credit card through Associated Bank ( AB ), as part of an associated promotion, I opted to have a balance transfer from my Associated Bank Visa credit card account to another financial institution, XXXX, to reduce the balance on my XXXX XXXX XXXX credit card account. 

A balance transfer check for {$6500.00} was sent from AB to XXXX on XX/XX/2016. A week later I noticed the balance was added to my AB account, but it was not removed from my XXXX account. I corresponded with both institutions : XXXX recommends I ask AB for proof about the transfer and fax the proof to them. AB reports that their records that the check was cashed on XX/XX/2016, and they send me a photocopy of the check. I faxed the check to XXXX, and they write back deny having cashed it and claims it was canceled. Speaking with both customer service teams thereafter has led nowhere, where each institution simply recommends I need to speak with the other to seek resolution.
I 've got 4 calls today to my pre-paid cell phone from XXXX. They want me to call back and enter my SSN.
I graduated college in the 70s and my only student loan was paid off over 3 decades ago. This is a SCAM, not an attempt to collect on a student loan.
Attempted to contact creditor after discharge from military card closed and charged off without warning after discharge. No statements received no contact information to get to someone to pay balance due.
Transunion I need to asked you. You claim that you verified XXXX and refused to verify it again per your statement I need to ask How did you verify this information and its not my account! if you look at the attached files the account that you are reporting is not even close to the account number that I was assigned with XXXX. Transunion you have lied to me caused me a lot time for your XXXX because of your Negligent 's I urge you to delete this account today. I do not want XXXX card to report anything about me Until they send me a complete contract and terms that this is indeed my account. because this is not my account I will Notify my local police tomorrow and report a fraud report and contact a lawyer to sue I REPEAT I NEED YOU TO DELETE THIS ACCOUNT TODAY. YOU CAN LET XXXX CARD KNOW THAT THEY WILL HAVE TO SEND ME A CONTRACT IN ORDER FOR THEM TO REPORT ANYTHING ABOUT ME AS DUE FACT THAT THIS IS NOT MY ACCOUNT ALSO XXXX UNVERIFIED ACCOUNT PHYSICAL PROOF WITH MY SIGNATURE ATTACHED ALSO ALL CREDIT INQUIRES THAT IS MORE THAN 30 DAYS OLD
Received repeated calls from this company, at work, even after telling them XXXX times to stop calling me at work. When I called them back to tell them ( again ), the person told me I was going to be summoned to court for a payday loan debt, but could not tell me where the payday loan was borrowed. She merely stated that it came from XXXX XXXX, and Identified herself as from " NRS. '' I asked her to send debt verification to my address, and she said they would be sending me a court summons. Once again, I never verified anything but my name.
i told citi bank many times in many ways my tenant defaulted. 
and damaged the house. 
i have aXXXX history with this bank as far as my payment history. 
i have no idea why someone went to my house to inspect the house. and now i have a fee. I will not pay for that nor was there a reason to go to my home to inspect it. i was in communication with this bank as to the exceptional circumstnaces. there is so much red tape they have insisted on credit reporting and this. which means no more business with them. i am enraged. not poaying these fees when at no time was i told about this or was such a visit needed to my home
I paid for concert tickets via the XXXX app and was scammed. I never received my tickets and attempted to cancel my transaction through XXXX as well as through my bank, XXXX, but both have claimed they are unable to do anything at all. XXXX will not let me dispute the charge. XXXX claimed they could not stop the transaction even though I called immediately after making the transaction and before it has been posted. I also called XXXXXXXX XXXX, the bank which the scammer claimed he has an account with, in order to report someone using an account for fraudulent activity. I was told by XXXX that there is no avenue through which to report something like that. I have also submitted a police report through the Internet Crime Complaint Center.
Please delete ALL allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question..I am not related to any of these companies and did not sign up for an account..I demand that you remove the accounts asap XXXX/XXXX XXXX, XXXX XXXX XXXX*, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX   ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX  ( Original Creditor : MEDICAL ) XXXX, XXXX   XXXX, XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
My home mortgage was with Ocwen and I refinanced in XXXX of this year. The payoff was as per the payoff quote provided from Ocwen ( copy attached ), prior to expiration ( XXXX/XXXX/15 ), and included 5 days per diem. As of XXXX/XXXX/15, my escrow account had a remaining surplus of {$620.00} ( copy attached ). After several phone requests, Ocwen reimbursed me only {$230.00}. Every time I spoke to someone at Ocwen to get the remaining balance of {$390.00} I have received a different reason as to why they do n't have to refund it. I then mailed them a demand letter ( copy attached ), and they responded with stating that " {$250.00} was utilized to satisfy the additional expense after payoff and {$130.00} was disbursed towards the Federal Housing Administration ( FHA ) insurance. '' ( copy attached ). The payoff amount was as per the amount they provided, and was made on the final day the quote was valid through and included 5 days per diem on top of that, so there are no additional expenses. The PMI insurance was paid from my escrow account with each monthly payment and was never in arrears, so there should not have been any additional payments required.
XXXX XXXX ran a hard inquiry on our credit reports without our authorization. We never heard of this company before until we received alerts about activity on our credit reports. This is Fraud.
On XX/XX/2018 XXXX XXXX hit me with a hard inquiry for getting a XXXX XXXX   card. Before I got said card I had asked about any hard pulls as I did not want one. The sales man assured me there would be none. Later on when I noticed the hard pull after talking to a few customer sales reps who were on able to assist, I was able to talk to a supervisor who understood that I did not want any hard pull on my account otherwise I would have never got the card. The supervisor at XXXX XXXX I believe her name was XXXX agreed to remove the hard pull from my file. She said it would take up to 15 days. For some reason this hard pull is still on my file.
On XX/XX/16 my Wife and I purchased through XXXX XXXX online an XXXX XXXX XXXX XXXX XXXX for {$740.00} for our home using a combo of our own money, XXXX XXXX Gift Cards and {$520.00} XXXX XXXX " Loyalty Rewards '' Certificate we had previously accrued by purchasing thousand of dollars in XXXX XXXX Dining Room furniture. The dining room furniture was quite expensive, but the sales person stated we would be able to accrue {$520.00} in XXXX XXXX Loyalty Rewards, which sealed the deal. At no time were limitations disclosed on the Loyalty Rewards Program. After we received the Chandelier we realized it was too large for our dining room and returned it to the XXXX XXXX in XXXX XXXX, Ct. The staff said since our purchase was online the full credit due of {$740.00} could not be issued on-site the product would have to be returned and we would get a XXXX XXXX Store Card Credit for that amount of {$740.00}. This never occurred and Customer Service stated today to our shock we " forfeited '' our {$520.00} " Loyalty Rewards '' by returning the Chandelier and only refunded the difference of {$220.00}. All of this was NEVER disclosed to my Wife and I by our in-store sales person, where we accrued the " loyalty rewards '' by purchasing the XXXX XXXX Dining Room set, or by the online live customer service representative when we purchased the Chandelier on XX/XX/16.
Experian systemically refuse to investigate inaccurate information being placed on my credit file in error. When I attempt to dispute inaccurate information on my credit file I get the following statement " You have previously disputed this item. We are not required to process a duplicative dispute. If you have new or different information relevant to your dispute, you canupload the documentation here. If the information is relevant, then a new dispute will be opened. You can also contact us atXXXXor contact the data furnisher of this information regarding your dispute. '' This is Experian way of  discouraging millions of Americans such as myself from disputing inaccurate information in their credit file. Furthermore Experian representatives have refuse to produce and provide me with any evidence they contacted company and received any documents such as signed contracts etc that account in dispute actually belong to me. Only thing representative states is company was able to verify my name and social security number and or address. This is not valid or proper investigation. Experian lack of investigation continues to effect me personally and damage my credit report month after month. I demand Experian to reopen and conduct proper investigation producing evidence that account actually belong to me and that all information being reported is factual including balances and payment history