WillisBack/dataset-financial-user-claim huggingface dataset:
American Express offered a Delta Gold Card with an  offer for {$150.00} Credit Statement and Free Sky Miles after purchases. When I contacted them today ( just received card ) for confirming the credit offer, they claimed they can not provide the bonus ( es ) since I have had this card before. I told them and include here the Terms and Conditions for the offer which is unclear on the basis for making the offer unavailable : " Welcome bonus offer not available to applicants who have or have had this product. 
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome bonus offer in any way or that you intend to do so ( for example, if you applied for one or more cards to obtain a welcome bonus offer ( s ) that we did not intend for you ; if you cancel or downgrade your account within 12 months after acquiring it ; or if you cancel or return purchases you made to meet the Threshold Amount ), we may not credit the welcome bonus to, we may freeze the welcome bonus credited to, or we may take away the welcome bonus from your account. We may also cancel this Card account and other Card accounts you may have with us. '' The complaint is that the offer is duplicitous - their offer information is contradictory ( they claim their offer materials on the web site exclude the bonus ( es ) if the card was previously owned. The T & C only discusses withdrawal of offer in the event of " abuse, misuse, or gaming ''. Clearly not the case here.
On my Equifax Credit Report, the account " XXXX XXXX Bank '' should totally be removed. It was already removed from XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.
On XXXX XXXX, 2017, Equifax neglected to properly handle sensitive personal information and allowed a massive data breach that is impacting half of the citizens of the United States. I checked on their website http : //www.equifaxsecurity2017.com and it verified that my personal data was breached while attempting to take further advantage of their own malice for profit and sell me a service while declining my ability to participate in a class action lawsuit. They are taking no responsibility for their criminally irresponsible actions and I am forced to bear the consequences personally. They only offer 90 days of credit monitoring service, but my information is permanently leaked.
I signed up for a checking account with Key Bank in XX/XX/XXXXof 2017 with an opening bonus of {$300.00} based on meeting certain criteria. The first issue arose from the bank associate upon opening my account stating that I needed to make {$1000.00} direct deposit dollars in a month. I set up my account to have 2, {$500.00} deposits each month, which met the total of {$1000.00}. A few weeks before the deadline to complete all my requirements I called Key Bank 's XXXX customer support number to check in and to see when I could expect my money. Only then was I informed that I needed at least one direct deposit totaling {$1000.00} to meet the criteria, and not total combined dollar amount. They mentioned this was the only thing left to complete and once finished I would have my cash in a few short months. This was the first account of me being mislead. I changed my direct deposit amount to comply with the requirements and a month later called back checking in. I was told that I met all requirements and should be expecting my money shortly. I went into the downtown XXXX branch and asked for an update within my requirement window as well, but they directed me to their XXXX number for any questions on the reward. Three other times between XX/XX/XXXX and XX/XX/XXXXI called for an update on my money and everyone I spoke to from the XXXX number said I met the criteria and that I should just wait, that it takes up to 6 weeks to receive the money. After much frustration I called last week to see why I haven't received my money. Again a representative said I met all criteria and couldn't understand why it was taking so long. Later she called me back stating that although I had automatic withdraws set up to pay bills, under the criteria they needed to be set up and paid through Key Bank 's website, which they were not. I argued with the representative over the phone because this was never relayed to me up until this point, and that I missed this promotion because of the misinformation from Key Bank. She said she would call me back with an update. Now this is over a week later and I called Key Bank again today to ask for an update and to escalate this to a manager. The manger told me there's nothing he could do because I did not meet the requirements and their phone logs only go back 3 months so they don't have proof of all the calls I made. I did not meet these requirements because of multiple reports from Key Bank misleading me into believing I had done everything I needed to do. I even checked in within my designated time to complete the requirements to make sure and even then they told me incorrect information. They mislead me and wrongly kept information from me so that I would not receive my cash reward. This was the worst customer experience I've ever been apart of.
Chase Bank was supposed to have issued me a refund on the amount I overpaid on my Chase Hyatt Credit card back on XXXX XXXX 2015 for {$1600.00} and so far as today I have not received thus check.
I have requested that this creditor provide validation of debt with itemized breakdown on the account they are attempting to collect on and they have not done so. I have requested that this be done on multiple occasions. I have sent out certified letters via USPS mail with the most recent being XX/XX/XXXX to NCC Business Services. It has been well over 60 days and I have not received any correspondence as of yet. The collection amount is listed on my credit monitoring site for {$220.00}. Prior to this a different creditor had the account which I requested validation of debt from on XX/XX/XXXX, it was never received. At some point after maybe mid to late XX/XX/XXXX is when NCC Business services took over, I requested same info in XX/XX/XXXX and am getting the same results months later, no one can seem to validate.
Bought a car in XX/XX/XXXX, defaulted in XX/XX/XXXX, got repossessed in XX/XX/XXXX. My last payment was on XX/XX/XXXX, over 7 years ago. I 've had the entry removed from my XXXX but XXXX/XXXX reply within minutes of filing my dispute saying that it ca n't be removed until XX/XX/XXXX. The credit reporting laws put the 7 year time-frame to begin at my last payment so I do n't know how they 're getting away with this. The company is Exeter Finance.
In XXXX 2009 my personal information was compromised when my car was broken into and my handbag stolen. Since XXXX 2009 a series of accounts have been opened using my personal information this has caused my once great credit to plummet to XXXX. Over the past 18 months I have had creditors collections agents harass me for balance owed to accounts that I know nothing about and my credit is non-existent and my hopes of purchasing a home is in jeopardy because of I am a victim of Identity theft.
This complaint will be my sixth complaint about my credit report and scores. I have already told in earlier complaints that I was faced extreme hardship when I was in California, that time am not able to make payments and my car my wallet was stolen I have police report. Now I am paying my owes. This information I have told to Bank of America and XXXX and XXXX. Still am facing hard time due to these three companies. I am applying XXXX  credit card they were denied me because of your credit report. So here is the bottom line if You dont repair my credit I will put case against Bank of America XXXX and XXXX and I will put discrimination case too, I will approach leagally a lawyer.
I HAVE A LOAN WITH PNC AND THEY ARE REFUSING TO GRANT MY DEED IN LIEU AND ARE REFUSING TO GIVE ME ANY RELOCATION ASSISTANCE WITH MY DEED IN LIEU. I HAVE SENT THEM THE DEED AND I AM ENCLOSING THIS GRANT DEED AS WELL.
My wife and I work on XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX world. 
About XXXX XXXX of our XXXX are in Florida and a good majority of them in the Florida XXXX area. In XX/XX/XXXX, Hurricane Michael effected about half of our commission business and houses that were supposed to be closed were damaged, destroyed or delayed due to the hurricane and subsequent flooding. 
reached out to my mortgage lender and auto loan companies for Hurricane Relief. 

All auto loans are now fine, they all granted relief and regular payments resume on XX/XX/XXXX and we are excited that are sales are up and income has been restored. 

We asked over 2-3 months ago for relief with our FHA mortgage payment and call, send documentation, call, send documentation, now they are wanting bank statements from my adult son 's account ( not on the loan ) where he loaned me money via bank transfer, etc ... Although in Hurricane relief they are reporting late to the credit agencies and their collections department keeps calling me simultaneously to the hurricane relief consultant asking for more data which we keep sending. 

They promised that on XX/XX/XXXX, we can catch up by making 1 1/2 payments per month, but could not put the missing payments on the end of the loan ; yet that still has not kicked in as well. They seem to be confusion Hurricane Relief with non willingingness to make payments. 

We are ready to go based on resumption of our business/income to make the 1 1/2 payment on XX/XX/XXXX ; if this is what they need ; although, noone there seems to be processing this. 

Please help them get organized. They have so much documentation. Past year 's tax returns, XXXX  's ( we are XXXX  XXXX XXXX XXXX, etc ) This is not a preforeclosure modification, just asked for Hurricane Relief per federal guidelines. 

Thank you for your help.
Called TransUnion this Morning around XXXX, Customer Service would not Help me take care of Negative Inquiries reporting to my Credit Report, I held on the phone for 45min for a live person to even answer and was blew off in 5min! She wouldnt even let me complete my sentences. I have Inquires that i know that i did not authorize!! I have called the Collectors and TransUnion trying to resolve this matter List of Inquiries that are not Authorize by me 1. ) XXXX XXXX XXXX/XXXX/XXXX 2. ) XXXX XXXX XXXX XXXX/XXXX/XXXX 3. ) XXXX XXXX XXXX/XXXX/XXXX 4. ) XXXX XXXX XXXX/XXXX/XXXX 5. ) XXXX XXXX XXXX Also i have been disputing the same collection debt from TransUnion for about 2years now this account was removed off all other credit reports bc it was a fraud account but Transunion refuse to remove it off my credit report this account should have been removed off my report it has been well over 7 years JXXXX XXXX XXXX BALANCE {$5100.00}
I send a letter to the court house record clerk on how do they verify records with the credit reporting agencies .and they send me a letter that says the courts do not verify information directly with the credit reporting agencies I sent a copy of this letter to all three credit agencies and XXXX XXXX deleted this off my report .but XXXX and Experian would not deleted the / USBankruptcy dismissed /XX/XX/2013 I have sent them four letter to delete this item
the problem is nothing bank loan for me because this foreclosure. i XXXX i need buy home by me condition/I HAVE XXXX THE XXXX XXXX XXXX
i have hired the services of XXXX to help me with the credit car situation. 
the creditors call me non stopmthe worst ones citibank and XXXX. 
i even got reprimanded twice at my job of 27 years cause my cell phone is also mywork phone. 
heres the accountsXXXX XXXXcitibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
This debt was paid to the hospital by my insurance years ago. I 've tried several times to get this corrected but my attempts have been ignored. I sent verification in 2012 and was told it would be removed. Now 4 years later I still ca n't believe they wo n't remove this from the credit bureaus. How long can they continue to destroy my credit score? I 'm totally frustrated and will continue to contact my Congressman until laws are changed to prevent this abuse, both financially and mentally.
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
The student loans are listing late payments. I have sent goodwill letters requesting forgiveness for late payments. I feel on hard times in XXXX and XXXX and I have tried desperately to communicate with the company about all the student loans listed in degoratory status. I am asking for a little help please.
There is an inquiry from "  XXXX  ''. I have not done any business with this company.
Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me.
My name is XXXX XXXX, I am contacting you regarding accounts on my XXXX, XXXX and EQUIFAX credit report. 

I have already contacted THEM but they have done nothing to resolve the issue. There are 6 student loans accounts that not belong to me.

I would like them removed because they are fraud and do not belong to me.

Please make THEM delete these fraudulent accounts ; this inaccurate information has directly affected my chances of getting approved for any type of loan or job or ability to get a license which requires a good credit rating.
I moved from my apt in XXXX XXXX. I called Comed to cancel service to what they told me to wait for my final bill which never came. I have not received any bills and once i finally received that letter in the mail ( 2 days ago ) it said I had 30 days to dispute the validity of the debt ( needless to say I had no idea Comed sent me to collections until I got the letter and saw in my credit report ) I tried to settle and explained to both collection agency and comed that I will pay for the bill but I didnt pay an XXXX bill because I simply never received it. I do not know why I also explained I live in a rental property so the landlord might have taken the mail, I got ONE letter no phone calls no voicemails nothing and now I am trying to settle, pay them the XXXX bucks but they refuse to remove the debt from collections they were despreciative both credit collection and comed only because I am a XXXX woman with an accent they are XXXX and have no compassion please help me.
equifax is reporting XXXX student loan accounts with the State of NJ XXXX that are passed the statute of limitations and should be deleted from my credit report. They are already deleted from XXXX and XXXX but Equifax continues to verify the accounts when in fact the original creditor already agreed it should be deleted. The account numbers are XXXX ; XXXX ; and XXXX.
On XX/XX/XXXX and XX/XX/XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.
It is tax time. I need a copy of my XX/XX/XXXX and XX/XX/XXXX Form XXXX Mortgage Interest Statements. I asked and has been asking Bayview Servicing Co, my mortgage lender servicer for copies of the statements but to no avail. I started doing this since XX/XX/XXXX and their response is, they were already mailed. I always check my mail in search of the needed statements however, I don't find any. I am getting desperate. I will travel on XX/XX/XXXX for a month, I am scared I can not file my income tax return before I leave. 

I remember last year. I requested the XX/XX/XXXX XXXX form. They were not able to give me the form. They just gave me the amounts of interest I paid them enabling me to include the information in the XX/XX/XXXX tax return. 

I am thinking, what could be the reason why they don't give the form? It is very important for me because it gives me the deduction amount that I can make from the tax computation and it should tell me the balance of my mortgage debt. I am paying a lot for this mortgage and they owe me to give a correct report/statement on time.
On XXXX XXXX, 2015, I made a {$1000.00} payment on my American Express Card to satisfy the XXXX XXXX due date. On XXXX XXXX, 2015, I made a {$5300.00} payment to satisfy my payment due XXXX XXXX. American Express refuses to apply my latter payment as I intended and has instead charged me a late fee because the payment was received prior to XXXX closing the former business cycle. I understand " billing cycles '' are a necessary function of any financial institution, but I also know that transferring funds from XXXX ledger to the next is n't rocket science. American Express is, in effect, penalizing me because I paid my bill too soon, and this seems akin to theft.
I am in the market to purchase a new home. It has come to my attention that nearly all the lender owned properties require the buyers to get a Title XXXX Certificate and a Certificate of Compliance from the local Fire Department. This becomes another expense for me before the closing. It was my understanding that the seller was required to get these things. Is their a law that requires the seller to do these tasks?
We are in the process of trying to short-sell our home. The bank has just requested that I provide them with the following information : PROPERTY INFO : - Copy of MLS - Property Condition : Good/Average/Fair/Poor - Current Marketing Condition : Stable/Declining/Improving - Repairs Needed? : Yes/No ( if repairs are needed, need description of repairs ) - Property Photos : Front of Property, Rear of Property, Close up of Address , Street View Left , Street View Right MARKETING INFO : - Positive Comments regarding property - Negative Comments regarding property - Number of Showings from your office - Number of Showings from other office - Number of Offers Received - Reduced List Price? Yes/No - Suggested List Price - Any additional comments? 
- 3 Current Comps - 3 Recently Sold Comp - Marketing Trend : Improving/Static/Declining ( provide reasoning for trend selected ) - Problems marketing? 

I do n't feel that the bank has the authority to require that our agent disclose a marketing strategy, disclose all offers, provide feedback, etc. This is asking our agent to provide information we are not comfortable sharing, as our agent is not the bank 's agent, he is the sellers agent. The bank has implied, through the negotiating firm, that any short sale would be denied if this information is not provided to them.
To : CFPB XXXX XXXX, OH XXXX XXXX RE : Experian To whom this may concern : I am writing today to inform you that while applying for a mortgage recently, I learned of a derogatory item showing on my Experian credit report, which is inaccurate. 

Specifically, the item is for a collection agency ( XXXX ), a collection for XXXX Insurance information was given at point of service, and apparently, the original company never submitted a claim to insurance nor did I receive a bill for this service. More than a year and a half later I received a bill from collections for this service. I was refused an original copy of my service bill ( it 's not even possible to verify I used this company ). The company ( XXXX ) will not even discuss this matter with me as they state it 's been sent to collections leaving me with no recourse or ability to verify I used this service. Shortly after, this bill was sent to the above collections agency and is now showing on my credit report as derogatory. The collections company states they have no information other than the bill ( although XXXX seems to have access to my protected health information, which is a separate legal issue ). The collection agency refuses to work with me ( in fact the owner hung up on me on my most recent attempt to gather information ) and further threatened ongoing negative reporting unless I pay in full immediately ( without further information ). The collection agency is now harassing me with telephone calls since I 've reached out to them but will not give me information to verify this bill. 

I respectfully request that this item be removed from my credit report based on the above information. Attached is the portion of my Experian report showing the derogatory item. 

Sincerely, XXXX
Hello, I paid off my XXXX XXXX account back on XXXX XXXX, 2017 for a total payment of {$120.00} + a {$3.00} fee = {$120.00}. I submitted the proof of payment in a dispute to Experian on X/XX/2017 and again on X/XX/2017 to remove this item from collections on my credit report. Both times they sent me back a new credit report with the XXXX XXXX account still in collections. This is harming my credit score and I 've paid this account off completely. Thank you, XXXX
Equifax Hacking issue : According to the Equifax website, my husband and I are both affected by the Equifax hack. We decided to do security freezes with all 3 agencies. I tried for 2 days to call Equifax, waiting on hold for over an hour multiple times and was unsucessful. I tried doing a security freeze online multiple times but kept receiving the message, " System Currently Unavailable -- Error 500 ''. I finally reached someone on the phone number listed on the Equifax cybersecurity website, XXXX. I spoke with a supervisor, XXXX, who told me they are only there to refer people back to the website. I told him the website does not work and he said there was nothing he could do. 

SO, Equifax took our confidential financial information without our permission, they were irresponsible with it and their system was hacked, they waited 6 weeks to tell consumers while the CEO sold his Equifax stock. Now nearly 8 weeks have gone by and many consumers, including us, are still unable to protect their confidential financial information. 
Oh, and we are being CHARGED to institute freezes on our credit. Even if Equifax reimburses us, XXXX and XXXX will still charge us.
XXXX XXXX constantly directed me to do forebearance after I informed them I couldnt pay them the amount they were asking. I was never told what forebearance was and that it would increase my principle, instead, they told me this is the only thing I could do if I could n't pay that month.