WillisBack/dataset-financial-user-claim huggingface dataset:
I had opened up   a Citi checking account in  XX/XX/XXXX  for a {$300.00} opening promotion. After fulfilling the terms of the promotion Citibank refuses to honor it.
<P/>  The offer had the following requirements to receive the {$300.00} bonus : Open a new eligible consumer checking account in T he Citibank Account Package between  X/XX/17 ?  X/XX/17  a nd complete the following withi n forty-five ( 45 ) da ys of opening your account : - Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account or a new or existin g Citibank Savings Plus Account or Citi Savings Account ( completed on  XX/XX/2017  ) -  Maintain a minimum balance of {$15000.00} for  thirty ( 30 ) consecutive calendar days following the date when you made your qualifying deposit. ( completed on  XX/XX/2017  ) AND - Complete 1 qualifying Direct Deposit to the new checking account or make 1 or more qualifying purchase transactions with your Citibank Banking Card totaling {$250.00} or more ( completed  on   XXXX   )
There are several wrong addresses that are being reported as mine on my credit profile and also there are multiple XXXX XXXX and XXXX hard inquirys I have not done back to back and lastly there is a {$300.00} medical expense that was reported and that is not my bill. I was not in Florida at the time of the opening date of the file. Also that one medical report and credit card checks brought my score down 101pts in just a few days. I am very upset and need this fixed immediately. There is fraudulent activity going on and also false very negative affective reports
Equifax sent me a letter thanking me for reaching out to them to file a fraud alert, but I never ever asked them to put that alert on there, in fact, I spoke to them many times about incorrect information on my accounts but never about filing a fraud alert.
On XX/XX/18 - XXXX XXXX XXXX ( XXXX ) contacted members of my family whom I do not even speak to, nor have seen in years. They called an aunt and called my mother and proceeded to tell them that I owed a huge debt and that they must make contact with me, told them what kind of debt ( store credit card ) and that I was facing jail time due to it. I do not have contact with these people due to family reasons. Now, this company has violated my privacy by discussing my personal debt. It is creating more problems in my life by sharing information that is personal and private. In no way, should this practice be legal and I feel violated. I contacted this company and this is over a 3 year old store credit card for maybe {$300.00}, they would not give me an exact amount but this was the credit limit on card. He told me I had to pay $ XXXX {$570.00} in order for no more calls to be made by people they found " skip tracing ''.
Security Finance XXXX of Missouri should be taken off my report. They were closed in 2007. They XXXX say closed but yet it shows open on XXXX of them. I do have credit with XXXX 's XXXX, XXXX and XXXX, XXXX 's and XXXX door and have pad off early and always on time. When I try to get my credit report through XXXX none of my info matches. I was notified by Illinois XXXX that a person in XXXX has stolen my identity. I have been to the local police and contacted social security about this with no resolve. The person goes by XXXX ( not sure of correct spelling ) and her info is on my credit reports. She has used my ss # to get a job with a temp service in XXXX. She has not filed taxes on her income or it would show on my social security and I am XXXX. If taxes were ever filed, I could be in big trouble and lose my XXXX and have to repay my income because of this person. I would really love to get these issues solved and get my credit where it should be. I also have a judgement against me from XXXX XXXX that was discharged on a bankruptcy and my lawyer told me not to show up in court. This happened in a XXXX Missouri court and now is on my credit report. I would love to get this mess cleared up. Thank you for your time. This person owns a home and has credit cards. I do n't get that priviledge because my credit shows up as poor, while this foreigner who is probably here illegally is enjoying what is rightfully mine! 

XXXX XXXX
RE : Service Bureau Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX They refused and failed to Acknowledge if they are bonded TX SOS. 

They state the FDCPA does not require them to provide an original, certified or attested " copy '' of the document creating the debt, copy of document authorizing them to collect debt, or copy of surety bond. They refused to provide requested documentation as requested in a Texas Debt Validation letter. 

Thank you
I terminated my account, paid all the fees and my balance and was told i was settled. a week later I got a call stating that I owed over {$500.00} and they could not give a definite answer as to why
I made a claim for unauthorized debit card transactions on XX/XX/2018 due to the fact that I lost my debit card and it was not in my possession. Regions Bank denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis. '' As permitted by Regulation E, on XX/XX/2018 I requested copies of the documents Regions Bank used in making its determination not to credit my account for the unauthorized transactions. However, Regions Bank has never responded to my request and has not credited my account for these unauthorized transactions. In effect, they have simply ignored my request because they know there are no penalties under Regulation E for their bad faith actions.
I 've called Flagstar Banks home office several times & they will not change the report. They forclosed on my home in Michigan, since that time I 've been working on my credit. I have a good score to get another home. PROBLEM is now they are still say'ing I owe them for the home, even though your office is sending money from them. My closing date is in 20 days. What can I do?? 
XXXX XXXX
For the past 8 months I have tried to have fraudulent information that was once removed from my credit readded by Transunion. I have supplied them with a valid police report that was stamped and signed by the police office and to date they have done nothing but ignore me. 
The fraudulent accounts that were once removed and re-added to my credit are as follows XXXX XXXX XXXX XXXX XXXX Tax Lien ref # XXXX judgment ref # XXXX
I have a mortgage on my home at XXXX XXXX XXXX XXXX XXXX CA. In XXXX, XXXX, it was sold to XXXX XXXX. 57 times in a row, I sent payment on time or early. Since then, I have repeatedly asked the company for monthly statements but got none. I also asked for a welcome packet but got none. I received no written correspondence EVER from this company ... until XXXX, XXXX when I received a letter indicating my payment had not been received. I checked and got proof I sent it early as I always had. XXXX XXXX says they changed the box number where I 'm supposed to send the check and since I 'm late they reported it to the credit agencies. My credit score - a vital part of my business as a real estate investor with four other mortgages all of which are far greater than this one - dropped 140 points. XXXX XXXX says it had to tell the " truth '' but wo n't admit they never sent the letters. In fact, today, one month  after the letter indicating I was late, the bank has still not produced copies of the letters it alleged were sent. The credit agencies say that if XXXX XXXX wo n't admit it made an error, I 'm stuck with their decision to damage my credit I have proof my payment was sent on time. They do not care. They have no proof they sent any letter much less 4 and the idea that I would ignore 4 letters but respond within 20 minutes of getting one indicating payment is plain nutty. All communication with XXXX XXXX returns to same : they sent 4 letters and as such I 'm late and too bad. There has been no action taken by the bank to ensure smoother communication. They have n't sent a statement nor copies of the letter. XXXX in executive office promised action in 5 days. That was three weeks ago. It does not seem fair that this bank gets to damage my credit and that there is no way to appeal this foolish, short sighted decision as it will now cost XXXX XXXX thousands of dollars in interest when I transfer this mortgage to another company as I can not take the chance that this bank do same again as it will send no material in mail. All the communication regarding their phantom letters has been on the phone!
Notified Diversified Consultants on XXXX that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Diversified Consultants to remove incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Diversified Consultants.
A Bank of America/XXXX XXXX card that I have had for numerous years has been closed by Bank of America. I thought it was still an open account. I was trying to make a purchase on this card and it was erroring. I Called Bank of America to find out what is going on, to find out that they had closed the account in XXXX of 2018. I was not notified of this action. 

I believe that Bank of America is closing accounts because for the problems that they are facing at this time.
I used to pay {$2000.00} on a {$500.00} payment. They kept putting additional monies to a suspense account until I got the next bill. Then I had to call and complain. All extra overpayment should be applied to principle. Trying to pay off account Sent a check they would n't take it and it 's the same bank they deal with. So much more. Call for more information
I wrote Transunion on XXXX XXXX and included all copies of ID their website says they require. I had specific questions I asked for an investigation to be done. It is XXXX XXXX and they have not responded to me in violation of the law.
The debt was transferred to a collection agency but isnt owed by me. I had medical insurance that covered it but they didnt want to use the medical.
Opened a XXXX XXXX checking account responding to a bonus offer for {$200.00} after receiving a qualified direct deposit. 
Terms state : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account. 
The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited. 

My employer made a direct deposit of {$300.00} on XX/XX/XXXX and again on XX/XX/XXXX. Per the terms the bonus should have been paid within 60 days of XX/XX/XXXX which it has not been, as of XX/XX/XXXX. Bank has not responded to my secure message inquiring about bonus payment.
XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX in XXXX Indiana have been treating my health issues for a few years. All XXXX of the above mentioned have different billing departments but all sends their outstanding or unpaid consumer bills to Finance System INC. a collection company in XXXX Indiana. 

I made arrangements with Finance Systems Inc. to pay bi-weekly payments of {$230.00} to ensure the collections remained off my credit report until i paid the amount in full. 

Finance Systems Inc. continues to place notations and remarks on my credit report stating that I am not paying as agreed. They sent data to the Credit reporting agency on XX/XX/XXXX that I defaulted on an {$86.00} doctor bill after paying my bi-weekly payment of {$230.00}. 

Finance Systems Inc. took me to court XX/XX/XXXX for a {$250.00} bill that ended up costing me {$900.00} to pay their attorney fees. 

I borrowed money from my XXXX account to pay XXXX different doctors bills that Finance Systems Inc. placed on my credit report and refuses to remove from my credit after i paid them. 

Finance Systems continues to discuss this matter and payment arrangements with my wife without my consent or knowledge. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX billing department is not sending proper notification informing me of services performed and sending the bill directly to Finance Systems Inc to collect the payment.
DISPUTED ALL MEDICAL ACCOUNTS WITH XXXX, XXXX. I HAVE XXXX MEDICAL COVERAGE. MEDICARE PART XXXX. ALSO XXXX. ITEM 'S WAS REMOVED. REVENUE RECOVERY CORPORATION FROM XXXX XXXX. PLACED ALL DISPUTED, INVESTIGATED, REMOVED ACCOUNT ONTO XXXX REPORT WHERE NEVER REPORTED BEFORE BECAUSE I DISPUTED PROPERLY THROUGH OTHER XXXX BUREAU 'S. SOME ACCOUNTS ARE NOT MINE. MG CREDIT CORPORATION SHOWS REPORTS FROM " XXXX XXXX XXXX IN XXXX, XXXX. NEVER BEEN. ACCOUNT NOT MINE. I SHOULD HAVE NOT BEEN BILLED FOR MEDICAL. INACCURATE COLLECTIONS. REVENUE RECOVERY CORPORATION DOES NOT SHOW PHONE NUMBER FOR CONTACTS AND DISPUTES. NEVER RECEIVED DEBT COLLECTIONS FROM REVENUE RECOVERY CORPORATION. ALSO. TRYED SEVERAL ATTEMPTS TO CONTACT AND DISPUTE INACCURACY TO XXXX. XXXX KEEPS DENYING ME MY FREE YEARLY CREDIT REPORT. I HAVE WRITTEN, CALLED, E-MAILED AND CANT GET REPORT. THEY KEEP SAYING MY INFORMATION IS WRONG. THEIR INFORMATION IS WRONG.
I disputed this debt XXXX 2016 and it was taken off my XXXX  credit report and now they put it back on my credit report without sending me a letter stating I owed the debt giving me the opportunity to reply. This is not a loan it is a pell grant that does n't have to be paid back.
Wellsfargo is asking me to send sensitive documents over email. It is SSN card, nationality verification. 

I would like to request an audit from Wells fargo on how it requests information from its consumers. I have the evidence on how it communicated with me. It is giving a way for its consumers to leak their information through email unsecurely. Innocent citizens may not know the issues with regards to this.
BANK OF AMERICA AND XXXX FABRICATIONS REGARDING INCOMPLETE XXXX MODIFICATION PACKAGES. 
Bank of America XXXX XXXX XXXX XXXX XXXX During the past year, I suffered illness, a XXXX, and XXXX due to XXXX, therefore, I was unable to respond to Bank of America and XXXX XXXX XXXX. Therefore, I am filing this new complaint with exhibits. Due to my XXXX, I will be filing new complaints, individually, with exhibits for Bank of America 's Attorneys, XXXX Letters dated XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
I put in numerous XXXX Modification packages ; however, the only decline letters we ever received was from Bank of America via XXXX. Whistle Blowers, from Bank of America came forth and testified what Bank of America was doing with XXXX Modification packages. XXXX only excepted full XXXX Modification Package request. I could supply you with numerous XXXX Modification denials Bank of America sent via XXXX. Moreover, XXXX became so frustrated with Bank of America denying us that XXXX filed a complaint with the Consumer Financial Protection Bureau on our behalf. ( See Exhibit XXXX XXXX XXXX dated XXXX/XXXX/XXXX stating XXXX submitted complaint to CFPB ). 
At a XXXX Modification Event in XXXX, I gave a copy of the exhibits in this complaint to XXXX XXXX of the U.S. Department of Treasury. I also gave XXXX XXXX, a full XXXX Modification package in which she verified with Bank of America Employees that it was complete. XXXX of the questions I asked XXXX XXXX was XXXX XXXX going to help the American people or was he blowing smoke. XXXX XXXX and I talked, she gave me her card and told me to contact her and later sent me a letter. At a Hamp Modification Event in XXXX ( See XXXX XXXX, Dept of Treasury Card, Exhibit G ) On XXXX XXXX, XXXX, Although I had submitted a complete package for making home affordable through XXXX. XXXX indicated your servicer has denied your proposal. ( See Exhibit K, Email from XXXX ) On XXXX XXXX, XXXX, Although I had submitted a complete package for making home affordable through XXXX. XXXX indicated your servicer has denied your proposal. ( See Exhibit L, email from XXXX ) In order to understand our ire and concern regarding the fabrications and lies regarding the situation from Bank of America. We have provided exhibits XXXX and XXXX from Bank of America Attorneys response along with our exhibits proving these responses are fabrications regarding " reviews were declined because borrowers did not submit all the documents '' from Bank of America trying to not admit their wrong doing but the Bank of America Whistle Blowers did testify to what they were doing with documents. ( See Exhibits XXXX and Exhibits XXXX, Bank of America Attorneys XXXX and XXXX ) On XXXX XXXX, XXXX, Bank of America'sXXXX Attorneys XXXX and XXXX stated " The loan was reviewed for assistance on other occasions XXXX and XXXX ; however, the reviews were declined because the borrower did not submit all the documents necessary to complete the review or the borrower withdrew the request for assistance. Please see the decline letters dated, XXXX XXXX, XXXX and XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX for more information. ''
XXXX XXXX Bank Information - Preauthorized Checks - JPMorgan Chase, {$81.00}. This information has not been provided to the CFPB, shows actual copies of payments.
I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all XXXX XXXX XXXX and LexisNexis as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court. So the credit bureaus and LexisNexis verification method on how they verified the Bankruptcy is invalid.
Today XX/XX/18 I attempted to dispute ownership of credit card online only to be instructed AGAIN to call Experian fraud security. Last week several times representatives were either unable or unwilling to connect me to proper dept. to correct bureau error. 
Under the FCRA I'm afforded the right to dispute by any contact means, including online, which is encouraged as a convenient alternative to phone, which bureau can not process.
I had been corresponding with XXXX XXXX, my designated Asset Manager, at Bayview Loan Servcing since XXXX of XXXX and his supervisor XXXX XXXX about completing a mortgage loan modification. I indicated that I wanted to proceed with an in-house Bayview loan modification - and not a HAMP modification, which would keep my interest rate at 2 % for a period of time, which was confirmed as an option by XXXX XXXX at Bayview Loan Servicing. Afterwards, Bayview proceeded with offering me a HAMP modification anyway. I sent a letter declining their offered HAMP modification loan, per XXXX XXXX 's request. They sent me HAMP loan modification documents anyway and I was told that if I signed them that my mortgage loan would be brought current as of XXXX/XXXX/XXXX by XXXX XXXX. After an extending period of waiting ( 6+ months for the Bayview in-house modification offer to come through without response ) and during a time of serious duress and illness, I signed the documents so that I would be brought current with my mortgage. My mortgage was then permanently modified under a HAMP modification ( with the conversation completed in XXXX XXXX ) and then my mortgage was only brought current to XXXX of XXXX. When I brought this issue to the attention of my designated point of contact at Bayview, XXXX XXXX, he said that there was a modification conversion error by XXXX XXXX and that he escalated it to his manager for resolution. XXXX promised me that if we could n't resolve the issue that he would approve me for a repayment plan and that it would be a very quick process, just a few minutes. I sent in all documentation that XXXX requested of me which included a new modification application ( from me and XXXX from XXXX XXXX XXXX ) but never heard back on resolution or a decision. I sent a formal complaint to Bayview and never heard back. I then learned that while I was working with XXXX XXXX at Bayview towards resolution of my home mortgage that a foreclosure sale was scheduled for XXXX XXXX, XXXX - which was dual tracking I believe. After I hired legal representation ( XXXX XXXX ) to assist me and humbly pleaded with XXXX XXXX to work with me to prevent my mortgage foreclosure, he had the appropriate staff at Bayview put a hold on my mortgage foreclosure sheriffs sale, and increased my past due balance from the technical amount that I am behind of {$710.00} x 11 =  {$7800.00} to {$11000.00} which includes their foreclosure attorney fees and other fees. I offered to pay my total past due balance ( excluding attorney 's fees ) which was refused. An unrealistic repayment plan was offered and refused at the recommendation of my attorney.
I have  XXXX  due for monthly payments under my current IBR calculation, it changed from the old amount to  XXXX  when I completed my yearly IBR renewal. They 've been auto deducting the old amount I used to have due under last years calculation even though it says I have  XXXX  due. I just canceled auto pay but it says it will still deduct the old amount because it is already " scheduled '' even though its  XXXX   XXXX  and it isnt scheduled until the  XXXX  of  XXXX . I do n't owe them anything this month but they 're saying they 're going to take it anyway.     If my payments had increased I know they would have increased the amount deducted ever month, but they just continue deducting the old amount even though I owe less?? They constantly do stuff like this. They 're parasites.
I have filed a complaint on XXXX/XXXX/XXXX # XXXX. You show that a charged off account with a balance. You responded : The balance for disputed XXXX  account XXXX has been updated to XXXX on the Equifax credit file. I received a copy of the credit report on XXXX. It still shows a balance. You must delete the account immediately under the FCRA rules. Your investigation is completely false. If this account is not removed forthwith, I will file a lawsuit against your company for reporting false information. Attached is the proof.
I received a phone call today as well, as my husband, and mother-in-law from a woman named XXXX from XXXX and associates saying they were a law firm sending legal documents to my residence and/or work place so that I could be " served. '' They said this was a civil lawsuit for a credit card from Well 's Fargo bank I opened and defaulted on in 2004. This credit card had been closed and the debt has been closed and written off as a bad debt, no longer on my credit report. They then explained that If I refuse the lawsuit, criminal action will be taken against me and I will be arrested for fraud against a financial institution. Since this debt has been closed and is 11 years old, I am way beyond my statute of limitations for collection. Not only is it illegal for them to try and collect on my debt, it is also illegal for them to try and sue me, threaten criminal action, call my family members, threaten to come to my home and work, and for them to pose as an attorney 's office. I googled this company and their phone number and it is not a known company of anykind, let alone a lawfirm.
Repeated calls at my place of work, a XXXX office. Informed XXXX XXXX on XX/XX/XXXX at XXXX that this was a XXXX office and he was prohibited from calling to collect debts at this office. Informed XXXX XXXX on XX/XX/XXXX at XXXX that this was a XXXX office and she was prohibited from calling to collect debts at this office, and that a complaint would be filed.