WillisBack/dataset-financial-user-claim huggingface dataset:
Bait and switch by Regions bank to sign up for a new bank account. 
In XXXX 2015, I signed up for a public offer through XXXX - {$300.00} offered as a sign up bonus for a new bank account after ( 1 ) opening a XXXX checking account, ( 2 ) making XXXX purchases with the check card and ( 3 ) {$500.00} or more in direct deposit. Offer states that once criteria is met, " get a {$300.00} credit to your regions account within 120 days. '' Upon signing up for the public offer, I received a welcome phone call from a customer service representative who informed me that I successfully signed up for the {$300.00} offer as defined by the public offer. He stated that I would receive the {$300.00} bonus as long as all of the criteria was met within the defined time frame ( 60 days ). 
I met the above defined criteria within 45 days of opening the accounting. However, I did not receive my bonus within 120 days or anytime thereafter. I emailed Regions in XXXX, XXXX and XXXX to inquire as why I had not received the bonus. Each time they stated that I needed to wait longer and that the bonus should be credited to my account if I met the defined criteria. Finally, in late XXXX, my case was escalated to a customer service agent who investigated the issues. She returned with the response that I did not enter in the offer code and she put the burden of proof on me. However, the offer that I signed up for was a public offer, through a link on XXXX. I provided ( 1 ) the public offer link, ( 2 ) a screen shot of the public offer as defined when I signed up and ( 3 ) the public offer code ( non-unique ) that I entered when I signed up for the bank account - XXXX. Further, I was able to show that I signed up for the bank account with the intention to obtain the {$300.00} bonus by my activity within the account - I met the defined criteria within 45 days as evidenced by my bank account history information. 
Unfortunately, Regions informed me that I did not enter in the public offer code XXXX when signing up for the account and therefore was ineligible for the {$300.00} offer. However, as stated above, I ( 1 ) received a phone call from regions at account inception confirming that I entered the code, ( 2 ) was able to provide a screen shot of the offer when I signed up for the account - public offer, and ( 3 ) I was able to provide the exact code that I entered when signing up for the account - non-unique code of XXXX. 
I am very disappointed in this situation and feel that I was both wronged and defrauded by Regions bank. I met all defined criteria of a public offer and Regions did not come through on their end. Bait and switch tactics by the marketing department to increase the customer base within Florida.
I have been calling to dispute this debt because I do not owe it. I 've spoken to several agents and they noticed I had insurance on the date of service but they will not remove this debt. It is on my credit report and I 'd like it removed.
Chase Bank has refused to accept my payment for my credit card. It is due on XXXX/XXXX/2015 and I tried for three days to pay it. I attempted this via phone and online and was refused. Also, a rude branch representative named XXXX refused my payment and told me to " deal with bill collectors ''. 

I did more than enough to try and pay my bill in full. Chase is circumventing my efforts and is orchestrating this situation so that I incur finance charges. They are making me miss my payment due date, which will harm my pristine credit.
We ( XXXX ) put in 3 offers to purchase XXXX XXXX XXXX in XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. MLS listing # XXXX with XXXX XXXX. Owner -XXXX . Short Sale purchase. XXXX XXXX has the mortgage & Servicing agent is Ocwen Loan from Florida. We have submitted ( 4 ) proof of funds from XXXX in our names & our XXXX, XXXX XXXX. We have had XXXX purchase & sale agreements with XXXX having a closing date of XXXX XXXX, XXXX. The purchase price of the property was agreed to be {$180000.00}. Our Att. XXXX XXXX discovered a Mass. DOR Lien on the property of {$16000.00}. In addition to the two other liens totaling {$16000.00} We asked for an extension so that this would be cleared prior to our closing date. We were denied the extension so we had to start the entire process again. Our case manager with Ocwen is XXXX XXXX. Loan # XXXX. After filing the paperwork for the 3rd time they denied our offer of {$180000.00}. We had to re-submit a new offer of XXXX. They denied this offer as well. How can this company do this when the {$180000.00} was agreed on back in XXXX XXXX, XXXX? This does not seem like a ethical business practice. We have discovered that this property ( XXXX XXXX XXXX, XXXX XXXX, MA. XXXX ) is now going into foreclosure on XXXX XXXX, XXXX! We have been trying to secure this property for two & 1/2 years now. We want to buy this property for the agreed purchase price of {$180000.00} with a clear title. I can be reached at XXXXXXXXXXXX. or cell phone at ( XXXX XXXX )
Two issues with loan servicing for # XXXX  and formerly, # XXXX.

For the history of the loan, XXXX has had an escrow account in my name. 
The first issue occurred approximately 5 years ago ( XX/XX/XXXX ), Wells Fargo was taking money for escrow and did not pay my taxes or my insurance on time. I found out I owed the State of Texas and county in late fees. I paid those late fees because I really did not understand what was going on and the late fee were acquiring more late fees on top of the late fees ( for over three years, from XX/XX/XXXX to XX/XX/XXXX

).
Again this month after several hours of calls, I found out that this loan was " newly acquired, effective XX/XX/XXXX and no escrow monies are taken out. '' My bank statement reflects money being taken out each month. See attached. What is happening to my escrow monies? 

Second, equally major issue is that the XX/XX/XXXX XXXX XXXX, Form 1098, reflects line # 2,  Outstanding mortgage principle effective on XX/XX/XXXX as {$34000.00}. When I was inquiring with the XXXX agents about the issues with escrow not reflecting, they stated that I have a principle balance of {$49000.00}, effective XX/XX/XXXX. How can I owe more than $ 10k in one year to the bank, when I am making payments to the loan each month? Each year the 1098 form reflects the mortgage going down not up. 

Each time the XXXX information technology systems change, the customer ends up paying extra money or funds get mis-allocated. Also, the system is not accurately transferring my escrow money. 

Third issue is that the second loan, {$41000.00}, a home equity loan, formerly # XXXX, # XXXX, this loan was supposed to be against XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. This house was short sold along with this loan in XX/XX/XXXX. Why did this loan not go away along with the short sale in XX/XX/XXXX?
ERC Address :  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Account Number :  XXXX  Did not provide adequate verification for debt question. no documents were provided showing a contract or signature
The very company ( Equifax ) that is supposed to be protecting my identity ... allowed my identity to be stolen!
I have written all XXXX major credit bureau 's at least 3 times each trying to clear up my credit score. Since their responses are so similarly obfuscating and unresponsive, I believe that they illegally work together! Please investigate them for illegal collusion! 

My credit history used to be excellent until XXXX loans I took out on condominiums in XXXX, North Carolina were defaulted upon. I did sign for these loans, HOWEVER, I was scammed out of ownership of these properties. I do not own them. 
They are owned by my former accountant, XXXX XXXX and his wife, XXXX. That information can be easily checked. ( They were supposed to have been owned by an LLC that we owned equally, along with XXXX other condominiums in the same complex, however that was either not done or illegally undone. ) I diligently tried to work with the XXXX banks originally involved ( XXXX, XXXX and XXXX ) to buy the loans from them or to cooperate with a repossession. The banks recurrently failed to follow through on our ( mine and an attorney ) discussions. 
There were also title issues ( the XXXX condo 's were in XXXX different XXXX buildings for which the legal addresses and the street addresses of the XXXX were mixed. ( " We '' owned all the properties so it should not have been a bug issue! ) I also tried to help resolve this issue and hired an attorney. He too could not get the banks to cooperate. 

XXXX have, recently, resolved XXXX of the XXXX loan issues. I am not involved. 
XXXX XXXX informs me that he is willing to resolve the last loan, but the bank is refusing to work with him, but is trying to resolve the property tile issue. 

I would like my good credit score restored. The credit bureau 's seem unwilling to understand or accept my plight. I pay MY bills. 

I pay the mortgage on my home ( which they bizarrely claim I dispute along with the XXXX loans! ) I pay all my other bills on time. I simply refuse to pay for mortgages on properties I do not own. 

I refuse to accept that my credit score should be impacted by this when the holders of the mortgage debt refused to work with me to resolve the problem and could have been made whole. ; the properties have sufficient equity to fully reimburse the creditors. They just refuse to cooperate and/or act. 

I have lost over {$250000.00} and the banks are not at risk of losing a penny if they work with me or use their legal authority. I should not have my credit history and ratings destroyed because I was scammed and the banks either are ( XXXX of the XXXX ) or can be fully reimbursed. 

Please help me get through to the credit bureaus who are jointly deaf. I want my good credit ratings restored.
I am a certified financial crime investigator. I am filing this complaint on behalf of each individual that has been issues a Social Security Number by the Social Security Administration. I allege that the credit bureaus, to include Transunion, XXXX, and XXXX are willfully and knowingly allowing fraudulent profiles to be created in their databases and systems. On multiple instances, they were made aware of how they allow fraudulent credit lines to be opened with information that differs from the original individuals demographics. Financial Institutions are being harmed along with the individuals that are issued SSNs. Fraud losses are exponentially increasing year over year and this is in part, due to the credit bureaus going unregulated and unchecked. Regulators need to file suit against the Credit Bureaus for willfully and knowingly violating FCRA/FACTA and the consumer protection laws. 
A few questions any educated individual would now ask, after reading the previous statement, would be : " Why would the Credit Bureaus allow secondary profiles to be created? '' " What benefit do the Credit Bureaus have in allowing fraudulent profiles into their data/systems? '' " Why is this an issue and what are the implications? '' To answer these, we must first look at what all fraud schemes have in common .... MONEY. XXXX dollars are spent each year on fraud prevention and detection tools by financial institutions that are under MAJOR scrutiny by the various regulators. In order for financial institutions to comply with FACTA and the red flags rule, they must have proper detection tools in place. These tools are being developed, marketed, and sold to the financial institutions by the Credit Bureaus themselves. The Credit Bureaus have invested massive amounts of capital and energy on learning how to identify fraud within their data. Credit Bureaus have proprietary tools that can identify the very fraud they have allowed, which can easily be sold at top dollar to financial institutions, who unknowingly and unwittingly shell out XXXX for these fraud tools. 
To address the last question from above, we need to look at who Social Security Numbers are issued to. SSNs are issued to minors, adults, but most importantly, all are American Citizens. We as American Citizens are being harmed maliciously by the Credit Bureaus and DEMAND protection by the regulators. Escalate this to any other regulator or investigative branch of the government as necessary. It is time we address the root cause of fraud here and now.
Update to complaint number XXXX appears to be a duplicate of a complaint we already have on file for you under number XXXX. 
I filed complaints regarding Wells Fargo Surepay service. In the latest letter from Wells, again refusing to refund my funds to me, they included their account disclosures. Under Section 14 " Responsibility for Errors '' there is a clause that indicates they will make 'all reasonable efforts to reverse or delete such instructions '. It goes on to say that the user accepts all responsibility for losses resulting from those errors. 
I do n't think that Wells has acted in good faith in abiding by this section : 1 ) they told me where the money was and gave me the tracking number and the routing number and name of the institution where the money went-so they know where the funds went. Giving me this information does not sound like a good faith effort on their part to 'reverse or delete such instructions ' ; 2 ) I called and asked Wells Fargo to simply reverse the wire transfer and obtain my funds back. They indicated they could not do that. 
Well, their disclosures indicate 'good faith effort ' but their real actions on this were similar to throwing their hands up in the air and doing nothing on my behalf. 
Section XXXX B indicates that payments are not final for 60 days and the member may seek to recover funds during those 60 days. While this applies to payments received by members, it certainly indicates : 1 ) there is a process for recovering payments and 2 ) payments made within 60 days are definitely open to being recovered. I notified Wells within 5 days of the error and have received nothing from them except indications that they can not, or will not, do anything to correct this error.
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
I feel as if my student loans through Navient have severely crippled my ability to progress as an adult and move out as the interest is overwhelming and leaving my future handicapped in a difficult job market. Now that a lawsuit is surfacing I feel that I have been robbed and taken advantage of as a young adult trying to better and further his career / life. I hope that something can be done to reduce this stress and amount of monthly interest. Every night I sleep I lose at least XXXX dollars.
XXXX  and/or its XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX notified XXXX XXXX XXXX by mail in regards to a settlement for improper reporting. XXXX XXXX declined to settle the matter because all or most of what was on her credit report was disputed in regards to public records and there are several missing accounts that are not reported and this may be due to the injunctive relief granted to XXXX  to not report such accounts.
i am really trying to save my home i have called and asked for a loan modification and a loan modification package ... ... .. this company has given me the run around and i am afraid they are trying to take my home by pretending to provide me with help that they do not intend on giving me ... ... ... this company has been hard to work with
Contacted Transunion for a " free copy of my credit report. I ordered it and was charged {$17.00} for some kind of recurring service. I asked for no such service and when I called them I was told I had opted for a free 7 day trial ( which I did not ) and that they could n't refund it because they had already paid other services for some product related to this. 
Additionally the website is overly confusing and just getting a simple credit report - from ALL of these outfits - is unduly complicated.
Please review case XXXX XXXX I received a response on the above case with the following message " complaint appears to be a duplicate ''. Why was my response, " This complaint appears to be a duplicate '' printed in a font of 18. The font size used was a sign of disrespect on the part of Wells Fargo. Why was it necessary to print this response in such a large font that I could read it from across the room. I have already closed two account with Wells Fargo due to continuous errors on the part of Wells Fargo. I can also close the two existing account I have with Wells Fargo at any time I choose. After all the fraud accounts and all the sanctions placed on Wells Fargo I would think Wells Fargo employees would and should have a litter more respect then what you just showed me. Please explain why you feel this was a duplicate complain. It was Wells Fargo error that mail was sent to my address. If this error would not and should not have occurred I would have had no reason to file a complaint with the CFPB.
My XXXX mortgage with XXXX XXXX XXXX increased {$200.00} last year and now {$500.00} this year. My husband is ill and has been for XXXX years. We have been struggling since this time because he has been unable to work. He does now get social security, however, the medical bills and the mortgage increase has made it impossible for us to keep up. I have been trying to get a loan modification with XXXX and CitiMortgage and the time it takes is ridiculous and having to keep sending the same documents is not right. We are XXXX payments behind with Citi but XXXX payments behind with XXXX now. Please help us keep our home. I work for a mortgage servicing company and we help people all the time no matter what.
I submitted a complaint multiple times about XXXX for reporting inaccurate information. Now my information is in the hands of this collection agency by the name of Monarch Recovery Management Inc. I have never received any phone calls, letters or any sort of documentation regarding this company having my information on file. I feel violated and threatened that this company has my private and may be using account numbers, address, phone numbers in a derogatory way. I want this information terminated and most of all having this account deleted from my credit report. I repeat that it 's to be deleted.
I would like for your organization to investigate Wells Fargo online personal banking practices. 
I have XXXX loans with the bank and continue to have problems making online payments in the amount I prefer to pay when I make a late payment. Example, I want to pay the late fee and the past due payment and their online system will not let me pay this amount to bring my account current. Their system gives me a choice pay the minimum past due amount or the past due amount, late fee and current payment due now which usually is not due until later in the month. If I pay the minimum past due amount the late fee is still past due and I will incur interest and usually another late fee charge. Their system does n't let me pay what I prefer to catch up and I feel this is very unfair to the consumer. 
I 'm consistently being charged late fees in the amount of {$39.00} when I make a late payment ( never more than 30 days late ) usually within the first 5 days. The XXXX type of loans I 'm referring to are unsecured personal and consolidation loans.
I did not take this loan out!! I tried to work it out with them and they threatened to take me to jail over something that is not mine
I graduated from the XXXX XXXX XXXX in XXXX. When I left college, I had {$11000.00} in debt. Pursuing an artistic career, I took a series of low-paying jobs, and only paid the minimum amount on my loan. When financial problems surfaced, I would take forbearances. But -- I did make payments. Though I have found the history of my loans on the Federal Student Aid page, I can not find a record of my payments. Do you know where I might get this information? My loan was sold twice -- once to XXXX in XX/XX/XXXX, then to Great Lakes in XX/XX/XXXX. Though I have made many payments throughout the years, my loan has metastasized from {$11000.00} to XXXX, not including the interest, which totals {$8100.00}. I admit that in my XXXX I was not diligent about understanding what I was signing up for. Now, even though I make a solid income, I still run into financial difficulties now and then -- recently, my mother became sick and XXXX XXXX, necessitating a great deal of travel for me. While I pay down that travel debt, I am not making payments on my loans. I despair of ever being able to pay them in full, and question whether that jump from {$11000.00} to {$69000.00} is a legitimate debt. I am attaching the documents I found on the Federal Student Aid page. Is there any recourse? Thank you for reading.
After losing my husband, my income took a significant nose dive, at which time I began getting behind on my payments. I applied for a Modification but it was denied on XX/XX/XXXX. I contacted XXXX XXXX XXXX XXXX  ( HUD ) to assist me. On XX/XX/XXXX, I received a call from someone identifying themselves as the legal department of my mortgage holder, advising me that my Modification had been granted and would decrease my monthly mortgage from {$2500.00} to {$1600.00}. I was estatic, Screaming, jumping around, and thanking him all at the same time. I was asked to pay {$1800.00} immediately, which would allow him time to do all the paperwork, in the meantime I was advised that my new payment of {$1600.00} would start on XX/XX/XXXX. In addition I was told not to call my mortgage holder, because he would be serving my accountt from now on. I was then asked when would I be paying the {$1800.00}, I responded I could pay {$1200.00} now and the balance on XX/XX/XXXX. I told him that he had my banking information already. He replied I dont have it I thought perhaps I needed to slow down. I called XXXX and told her the story as it was told to me. She asked if it was ok if we could do a conference call so that she could ask questions. So, called the legal department, and She asked the questions, and when we hung up from him, she said SCAM I then called my mortgage holder, who also said SCAM To be honest about it, Im so angry with them because I would have easily payed the {$1800.00}, Which would have made me lose everything. Ive kept all their voicemails. Unfortunately when youre desperate, its quite easy to try and grab a life jacket. 

Im a XXXX senior, and these guys are preying on people that are already stressed out. My mortgage holder, didnt do anything even knowing that these crooks were using their name. When I receive a call from the legal department, my mortgage holders name appears on my ID. 

Its difficult for me to turn and walk away because I know someone will lose their home in this manner. I have advised the legal department that Im interested in the modification, so their pushing forward because they smell my money. I just dont know, how to push forward and get this information to the right person or agency that could catch these CROOKS. Hopefully, you can point me in the right direction. XXXX gave me you.