WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/2017, I opened a XXXX XXXX XXXX checking account with a promotion of {$200.00} for meeting certain qualifying terms. They included a Direct Deposit of {$500.00} OR 10 debit card transactions within 60 days. I met both of these qualifications on XX/XX/17 with 10 debit card transactions in addition to a XXXX XXXX of {$500.00} on XX/XX/17. 

I spoke with XXXX XXXX, a representative who initially opened my account after Union Bank initially opened/closed my account in XX/XX/2017. XXXX XXXX informed me that the account was fully open on XX/XX/2017, that the promotion was indeed tied to the account, and if I met the qualification terms ( Direct Deposit, or 10 debit card transactions ) that I would receive the {$200.00} bonus. 

On Wednesday, XX/XX/XXXX, I contacted the office of the president ( XXXX ) to follow up on this promotion and why it had not been granted to me. 

Unfortunately, XXXX informed that because the account was " CLOSED '' I would not receive the promotional bonus. I then stated the obvious, that the account had continuous activity, and that the account actually had a {$25.00} balance. How can the account be " CLOSED '' if there is a current balance!? 

XXXX then informed me that the terms state the bonus would not be applied if the account is not open and not in good standing. 

I challenge Union Bank to prove that this account was not open and " not in good standing ''. I did not receive disclosure that the account was ever closed or inactive. If Union Bank 's motivation is to exclude the payout to accounts with zero balances, it should state so in its terms and conditions with something as simple as " Account must have a positive balance at time of payout ''. 

I believe this is completely unjust and unfair considering the circumstances and how often the account displayed activity. At no point was the account " CLOSED '' or " INACTIVE '' as XXXX states. This is an obvious breach of terms considering the way your terms and conditions is worded, and I fully commit to pursuing the {$200.00} for the sake of principle and as a testament to the importance of customer service and transparecy in banking. Especially when it comes to terms and conditions. 

The only resolution would be to grant the {$200.00} promotional bonus as promised in the terms and conditions. At no point was the account " inactive '', " closed '', or " not in good standing ''. These are subjective terms and an account with a zero balance does not necessarily determine inactivity, closure, or good standing. 

Attached are my Union Bank statements, which clearly show the required transactions and qualifications being met per the terms and conditions. In no statement cycle was my account inactive or not in good standing. And no point was my account determined to be " closed ''.
I paid off my Synchrony Belk card via a settlement on XXXX XXXX, 2015. I have made bi-weekly calls to Synchrony as all XXXX of my credit bureaus are as of XXXX XXXX, 2015 listing the balance as XXXX with a past due of XXXX. 
The balance is in fact XXXX and the past due is XXXX. I spoke with XXXX at XXXX central on XXXX XXXX, 2015 and XXXX assured me the appropriate credit bureau correction forms were being sent immediately to all XXXX bureaus. That was a lie. None of the XXXX bureaus have received the updated information. As a result, I am suffering damage to my credit report and score as I attempt to purchase a home with a mortgage. It has been a full NINETY THREE days since this account has been paid in full. That is more than twice the 45 day maximum time frame allowed. I have made repeat requests to have a manager return my call. They have refused. I have been hung up on twice as I held upwards of XXXX minutes. As I type this, I have been on hold today for XXXX minutes. I have settled XXXX accounts after my divorce, and Synchrony Belk is the single only creditor that is not reporting properly. At this point, I demand to have my credit file accurately updated immediately. The CFPB exists to protect consumers from practices such as this.
XXXX  's client  XXXX   XXXX  is an identity theft victim. Someone used his information to establish a Target retail account without his consent. Target was provided all needed dispute information  X/X/17    via certified mail, return receipt, which they received   XXXX    . During that time Target has continued to report this fraudulent account to our client 's  XXXX  and  XXXX  credit reports as a late account. Mr.  XXXX  has contacted Target on several occasions to inform them of the reported fraudulent account and the fact that its late status has had a negative impact on his credit reporting information ; each time he is told Target will correct this information however as of this date  X/XX/17    that has not happened. In addition Target has failed to notify our client of the results of the dispute as is their obligation to do so within a maximum of  45 bu siness days of receiving the dispute information. Target is in violation of the FCRA concerning and my clients federal consumer rights concerning this account.
After 2 years of service with no issues Coinbase closed my account for no reason and furthermore refused to give me a reason despite dozens of request through their support channels. I first signed up with them XX/XX/2014. By forcing me to sell my bitcoin I missed out on hundreds of dollars in gains in the market and lost the ability to use my shift debit card that I paid {$20.00} for.
Enhanced Recovery Corp is attempting to collect a debt from me and I never established a contract with this company, furthermore ERC is currently reporting negative information onto my XXXX credit report.
On XX/XX/2018 a company called XXXX XXXX charged my citicard {$490.00} for an appraisal. I withdrew the application for the loan by email on XX/XX/2018. they did the appraisal anyway 11 days later. I disputed it with citicard on XX/XX/2018 and they gave me a credit. On XX/XX/2018 I received a letter from citi stating that the charge was valid and asking for further information to prove my claim that it was not. I sent a copy of the email that cancelled the loan dated XX/XX/2018. Sometime after XX/XX/2018 the charge again appears on my statement with a date of XX/XX/2018. There has been no further communication from Citicard prior to this charge appearing again! I have not received this statement yet but saw it online. This is not a valid charge and I want it reversed immediately! Thank you for your assistance in this matter! Sincerely, XXXX XXXX
We applied for a loan modification. After years we were denied. We have appealed the decision and submitted an entirely new package and we are currently under review for a loan modification. We live in the State of California and are protected under the Homeowner Bill of Rights from dual tracking. The HBOR restrictions on dual tracking foreclosure and loan mods prohibits mortgage servicers from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. In spite of this they have no placed in in foreclosure.
IQ Data International is reporting to XXXX, XXXX, and XXXX XXXX   that I have an outstanding balance with XXXX  Apts for {$2600.00}. I have spoken with the manager at XXXX apartments, XXXX XXXX- ph # XXXX, and she tells me that I resolved my balance with their community. I have explained this to IQ Data Systems, but they are telling me that they will not take this collection account off of my credit report unless I pay them {$2300.00}.
Did a dispute through the 3 credit reporting agencies, came back verified. I then contacted the furnisher by telephone who advised me they did not have any accounts in my name and not only that they are not furnishing any information to any of the 3 bureaus. Once off the phone a few days later they followed up with a letter to confirm what was told to me through on the phone. Once i received the letter i sent the letter sent to me by the furnisher along with another dispute against these accounts, and once again it came back verified. I have been trying to fix this issue for almost 3 years to no avail. On some of the accounts they even say disputed in BK. I disputed this inaccurate information multiple times as student loans can not be included in BK 's. Still will not remove or update and still being reported as verified to date.
1.   XXXX   ( most likely ) or Mohela is inaccuratly reporting a {$48.00} million dollar balance for one of my   XXXX   student loans.
2. The current loan servicer, Mohela, is not reporting the full loan history relating to each student loan as it should for a monthly credit rating - this should be accurately reflected on all of my credit reports. This failure causes the appearance of a much shorter period of responsible student loan history. ALL monthly loan rating history relating to my student loans should be reported to the Credit Bureaus - this has a significant impact on credit scoring.
3. I have  XXXX  open student loans and Mohela ( or the credit Bureaus ) are reporting loan #  XXXX  and #  XXXX  as a single loan on the credit report.
I went in to Koster Cash Loans located at XXXX XXXX XXXX XXXX in XXXX XXXX at approximately XXXX XXXX on XX/XX/18. The representative called me earlier this morning to inform me I was welcome to apply for the loan. I decided to stop by to see what I qualified for. I was introduced with two forms to fill out - one application and one authorization to run credit/other reporting. I filled out the application first. The representative then said she had my social security number and was running information. I found this strange since I hadnt filled out the authorization to run my information yet and told the representative she didnt ask me before running it. She tells me I have issues on my XXXX report that shows a charged-off debt to XXXX XXXX. I informed her I wanted to dispute this and need any documentation she has. She told me, Well, this is what I have. I let her know again I didnt give her authorization to pull anything ( I didnt finish filling out the form yet ). She refused to provide me documentation I am entitled to with my personal information on it. I let her know she cant legally pull my information without my permission.
I am submitting this dispute about transunion credit reporting agency. I have been disputing a few things on my credit report and they just keep updating the information I am disputing. This is completely incorrect. My first complaint is a XXXX account that is reporting with a XXXX balance but showing charged off to a bad debt. This is wrong. The balance is XXXX however the remarks " charged off to a bad debt is wrong ''. I contacted transunion quiet a few times to dispute this and the rep told me that the furnisher did not respond within the 30-45 days they had. I explained by the fcra laws then it is to be deleted. I was assured it would be deleted. However it 's still reporting and was never deleted. My second complaint is XXXX acct # XXXX is listing XXXX seperate loans. I NEVER had a loan with them in the amount of {$860.00}. This amount has been combined with my XXXX loan I had with them. I contacted the better business berauou in regards to this and received a response that the bank did not respond back to them. I tried to contact transunion again today XXXX/XXXX/2017 and again was given the run around. I ca n't seem to have this wrong information corrected. There are also negative remarks that are reporting on my transunion credit report which again I was told they would be removed. Still not removed. Having this incorrect wrong information reporting on my credit report is affecting me in obtaining credit. I wish to submit this complaint about transunion credit reporting company as they are causing me a hardship in obtaining credit. Plus I never received an updated credit report as I was promised last month.
I have a complaint AGAINST the Department of education. They allowed a college to missuse federal funds when allowing the school to lure me into signing up when they know i had no high school diploma. Tricking me by signing promissary note electronically!!! Which I did not! Then school dropped me during the beginning of the second month of classes with no explaination, no disbursement of funds or counsling of any kind. The remainder of the money then did not get returned, the school kept the money and now department of education says my wages will be garnished. If this office is in fact protection for cosumers then PLEASE PROTECT ME. From these practices of fraudulent affairs known from the department of education. Please do not tell me to contact them .They keep ignoring me and sweeping my complaints under the carpet! Please help
I have had store accounts through Synchrony Bank with an address in XXXX, FL for : * XXXX XXXX XXXX XXXX XXXX. 
*Wal-Mart These accounts have not had a balance in years, yet Synchrony continues to hit my credit report every other month. The phone numbers listed on my credit report will not allow me to close the accounts, only make a payment. 

Synchrony Bank 's direct number was useless in trying to close these accounts and stopping the bank from hitting my credit every other month. 

Because these accounts are old and paid off, I no longer have the card or account numbers.
Equifax got hacked and now sites such as XXXX XXXX XXXXXXXX are telling me my identity and credit information could have been compromised as part of the hack/breach. This creates unnecessary anxiety, worry for me.
I submitted a complaint earlier today # XXXX and at first I thought this debt was from an old creditor ( XXXX credit card ) so I put that info on my 1st complaint but upon further research and thinking about what the last phone call I received and what she said the debt was for is not true. I thought it was from a credit card company but they are trying to say it is a payday loan which is not mine. Thinking that the debt was mine a while back I set up 3 payments in the amount of {$59.00} ( {$50.00} for payment and {$9.00} processing fee ) and now with the call I received today its clear that I do not owe the debt they are referring to so they got me for roughly {$180.00} on a debt that is not legit. In my original complaint I stated that I owe the debt but now I know that I DO NOT. They wo n't tell me who the original creditor is. They are very rude and mean and very unprofessional when it comes to collecting debt. I do not trust these people.
I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts XXXX/XXXX  XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX
While checking my credit reports I noticed a collection from Midwest Recovery Syestems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report.
I am looking to have my balanced cleared on the loan. The principal balance was {$500.00} and I have made {$1400.00} in payments within a few months. This is outrageous and I can not afford to give the company any more money. I called and they informed me that I still would owe {$510.00} if I paid the balance tomorrow, which means I have only been paying interest.
I have a XXXX got on fire I spend over five Thousand prepare the XXXX I sill have a loan on the vehicle it was a recall on the vehicle for start fire and problem with the engine the car do not work do to fire and can not be prepare the car should not been sold
I lease a XXXX XXXX XXXX, with a lease through XXXX XXXX XXXX. I make the lease payments online. Today, I signed into the XXXX website to schedule a payment. A pop-up notice warned me that starting XX/XX/2018, online payments will incur a {$3.00} fee. The fee is not charged to Auto-Pay customers, who have the money automatically withdrawn from their bank account. This fee did not exist, and was not disclosed, when the lease was signed, and is a material change in the lease contract. I submitted a complaint to XXXX, and am submitting this complaint for your review and action. A screenshot of the fee notice is attached.
continuation of complaint-XXXX-XXXX. To date this issue has not been solved. five yrs ago a court issued a directive on the acct of my mother, XXXX XXXX. JP MORGANCHASE has issued one demand after another which have been complied with-on XX/XX/18 chks were supposedly sent out-to wrong address. instead of just sending them to correct address nmore forms more demands. we had to notorize documents to stop payment on chks yet yesterday Chase finally admitted they had chks. so why more forms??? just to delay paying out acct-delay delay delay and we have XXXX State Senator XXXX XXXX helping us and weve reached out to US Senatpor XXXX XXXX.Seems incredible that this is still dragging on. no matter what we do there are always more demands bringing ever more delays.As they are speaking to us at Chase_XXXX-they chg the demands. as my brother told her yesterday the goal post chgs we speak but we are supposed to just keep compling. we need help desperately. this has gone on almost 5 yrs-with a court order-will it go on 5 yrs more??? my brother and i cant believe how inhumane and inhuman we have been treated-both of us feel sick medically and XXXX. pls help us resolve this
I had a delinquent account with XXXX XXXX XXXX and the account was sent to CBE Group for collections. I sent a payment to the company via money order and the company did n't receive it or denies receiving the payment. I contacted XXXX XXXX XXXX directly  and submitted several payments until the debt was paid in full in XX/XX/XXXX. 

CBE ( XXXX ) XXXX, and XXXX ( XXXX ) XXXX both continue to report the bill as delinquent. On XX/XX/XXXX, I sent them both copies of money orders proving the bill was paid, but the account is still reported as delinquent. 

I contacted XXXX XXXX XXXX, Closing Bill Unit, ( XXXX ) XXXX, on XX/XX/XXXX, and was informed that the account was released from CBE in XX/XX/XXXX, and XXXX XXXX XXXX submitted another request to have my account updated on XX/XX/XXXX. 

I do n't know what else to do.
XXXX XXXX XXXX is reporting my account to all 3 credit companies as closed charge-off and late payments ... I paid my account in full and on time since XX/XX/2012 until the end of the loan.
Hello,My name is XXXX XXXX XXXX. I am XXXX years old. I am a XXXX XXXX. I am an XXXX veteran of the United States of America. I object to being treated like this. My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of.This needs to stopped.I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!
I contacted this company requesting them to validate their claim. They have not responded or provided any validation and they have reported to all XXXX credit bureaus
Discovery is going through with their threats ; I go to court at the XXXX XXXX XXXX XXXX XXXX, MI court on XXXX XXXX 2017 at XXXX in front of Judge XXXX XXXX , To put me in jail and take my home for not paying them for Discover transferring monies from my account to accounts in their cyber space!
I am filing this complaint because XXXX, XXXX, and TransUnion have ignored my request to provide me with the documents that their company has on file that were used to verify the account I disputed. I have been requesting verification of the following account that XXXX, XXXX, and TransUnion continue to report on my credit file : Bankruptcy Case ID # XXXX. I also contacted the United States Bankruptcy Courthouse in XXXX, GA and spoke with a court clerk. The clerk 's answer was definitively clear : " The Bankruptcy Courts do not have any type of communication with any of the credit bureaus. '' Then I asked if the court received anything from XXXX, XXXX or TransUnion trying to verify the case, the clerk 's answer was again clear : " No, we did not receive anything from XXXX, XXXX or TransUnion regarding your case. '' She stated they do not furnish information to credit bureaus electronically, by mail, or by any other means. I have verified with the clerk of court stating they do not report or verify anything with the credit bureaus. XXXX, XXXX, and TransUnion are using a third party to report this inaccurate information. I 'm requesting the immediate deletion of this inaccurate information. XXXX, XXXX, and TransUnion are violating the Fair Credit Reporting Act by saying they verified this item. Please, see the attachment. Also, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I request that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification. I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX, XXXX, and TransUnion have yet to verify. Also, XXXX informed me that they were not going to reinvestigate this information again unless I send additional relevant information.
I understand federal law states that financial institutions are mandated to apply the money toward the mortgage balance the day the money is received. 

Facts : I have a mortgage with Wells Fargo. Every other Friday XXXX of my mortgage payment is drafted from my Wells Fargo checking account ( there is no waiting period for the money to transfer from any other institution ). I 've never been late or not had the money in the account when the transfers were made. 

When I refinanced I set the account up to have payments made every two weeks in an effort to help pay the loan off faster. 

Summary : The payments are drafted every other Friday but the first payment is held for 14 days, when the other half of the payment is drafted, before being applied to the mortgage account balance.
I recently applied to my mortgage lender, Wells Fargo, to have PMI removed from my monthly mortgage payment. I paid Wells Fargo {$100.00} to have a Brokers Price Opinion performed with the understanding that since I had not made any structural improvements the LTV % would need to be XXXX % of the BPO or lower. When the BPO came back, I was at XXXX % and there was no letter attached stating my options. I called WF and asked about the options. They explained the options including that if I did nothing the PMI would be removed when the LTV hit XXXX % of the BPO which would be in XX/XX/2017. A few days later I received a letter from WF with my options and the above option was not listed. I called today to get clarification and they now say that the option explained to me was not correct. I want them to live up to the option they described on the phone!!!
I tried to obtain FREE credit report via 'www.annualcreditreport.com '. I elected to get my current report from TRANSUNION. However, when I submitted my personal information I was directed to a screen on my computer that would not let me proceed until I signed up for their 'credit score ' ( for {$1.00} ) and a membership for credit monitoring in which they would bill me monthly for this service. There was no way around this, so I was forced to request my FREE annual credit report from XXXX of the other XXXX companies. TRANSUNION is pulling a scam. Why is n't something being done about this??