WillisBack/dataset-financial-user-claim huggingface dataset:
I opened an HSBC Advance checking account last XXXX with the {$350.00} account opening bonus attached, with the requirement being to deposit {$10000.00} within 30 days of account opening, and to maintain that balance for 90 days. The fine print says the bonus will be paid within 8 weeks of meeting the requirements. I completed the requirements on XX/XX/XXXX - maintained the bonus for 90 days - however the bonus still hasn't been paid to this date. The fine print of the promotional bonus is attached below. 

I applied for the account online, and the account was approved via email on XX/XX/XXXX ( email attached below ). 
However, I did not get a link for registering for online banking until XX/XX/XXXX ( email attached below ). 
And I was only able to access my account on online banking on XX/XX/XXXX ( email attached below ). 
My initial deposit of {$1.00} was not deposited until XX/XX/XXXX as can be seen in my electronic statement below. 

I contacted an HSBC customer service representative by the name of XXXX, who confirmed in writing that the bonus requirement of depositing {$10000.00} " within 30 days of account opening '' means 30 days from the date of initial deposit, which means by XX/XX/XXXX ( 30 days from XX/XX/XXXX ). Additionally, the rep. confirmed in writing that the deadline for the deposit is in fact XX/XX/XXXX. 
The chat record can be seen below. 

After I deposited XXXX on XX/XX/XXXX, my account reached the balance of {$11000.00}, meeting the requirement of having a balance exceeding {$10000.00} on or before XX/XX/XXXX ( within 30 days of account opening/initial deposit as confirmed by the aforementioned representative ). This can also be seen in my electronic statement below. 

I have maintained a balance of over {$10000.00} for over 6 months, since XX/XX/XXXX, yet I have not received the bonus. I repeated contacted the customer reps over online chat and they all told me they wouldn't be able to submit any inquiries and that I had to wait - a few of them told me to wait until 8 weeks after the requirement was met, and then after that date, they told me to wait until the end of XXXX. 

Using XX/XX/XXXX as day 1, the requirement of maintaing a $ 10k+ balance for 90 days was met on XX/XX/XXXX. Adding 8 weeks to XX/XX/XXXX yields XX/XX/XXXX. It has been over 3 months since I've met the requirements, yet I still have not been credited the bonus. 

I chatted with a customer rep. last week who said they would submit an inquiry and on XX/XX/XXXX, I heard back from them saying I was ineligible due to " the account not being funded with the qualifying balance within the first 30 days of account opening '', clearly contrary to what the customer rep. ( XXXX ) informed me back in XXXX.
" I '' do not HAVE any " loans '' - I am being SPAMMED in the US MAIL from this private servicing debt collection agency that has PURCHASED my PRIVATE INFORMATION from others and filed FALSE CLAIMS in my bankruptcy in XXXX the FIRST TIME they got in trouble ... NOW - after my XXXX bankruptcy was dismissed without any discharge and my house stolen by other out of state debt collector lawyers who used my STOLEN INFORMATION from the Federal XXXX database - this SAME company is spamming me again. WHEN is the CFPB going to ENFORCE the Privacy Act of XXXX? The Patriot Act + Real ID Act + a Social Security account Number attached to a LEGAL NAME ===does NOT EQUAL A HUMAN BEINGS " debt ''.
On XXXX XXXX, 2017, I contacted Nelnet about a concern I had in regards to how my monthly payments were being distributed. My Nelnet account was saying I was not covering all of the accrued interest on some of my loans. I wanted to increase the amount, so I would not only cover my interest but begin paying towards the principle of the loan. For several months I noticed that even though I was paying more than was " due '', the principle was never going down. I would try to make adjustments to each part of the loan so that the interest was paid, but each time the monthly sum was distributed differently amongst the sub-loans so that the interest would still be accruing. I was talking to a representative in regards to increasing my monthly payment, and I was told the amount would only come out once. It came out twice and I ended up in the " red '' at my local bank due to the misinformation. I feel like I always have to check my loan through them because there are so many unhelpful people telling me a different thing. On XX/XX/XXXX, I contacted the loan server again in regards to what had happened, and after being online with a different person for about a half hour they told me I would have to contact a person via telephone number and they could not help me. I am completely frustrated with this company and feel like there is no one on the same page. I would like to get some guidance as far as what to do to pay off my loans and handle them correctly, but I feel I ca n't get those answers from Nelnet.
I recently applied for a Chase SLATE card : XXXX, for the purpose of a balance transfer from another card. I was approved and received my card, and with it came a letter saying that while the card was approved and active, my balance transfer was rejected because they do n't do transfers from Chase accounts to another Chase account. This was nowhere in the description on the above link, nor is it in the Offer Details. The only place this information appears is if you click through to pricing and terms : XXXX. This is absurd. A lot of people have Chase cards, so this is a major limitation, and yet it 's hidden in the terms and not mentioned upfront. I also am upset that when applying, I put in the account information that I wanted to transfer a balance from, it did n't alert me that a Chase account would be rejected. If it had, I would n't have applied for the card. Now I have a card I am not going to use, that will hurt my credit to cancel.
Our firm, XXXX XXXX, XXXX has been monitoring our client 's request for mortgage assistance to Select Portfolio Servicing , Inc. ( " SPS '' ) to ensure SPS 's compliance with Regulation X. For the past few months, our client has been trying to get his application reviewed by SPS. However, SPS has failed to act diligently in its review of his application and even failed to inform Plaintiff 's foreclosure counsel of the active status of the loss mitigation review, which ultimately led to Plaintiff pursuing and obtaining a foreclosure judgment against our client improperly. 
Our client submitted an application for mortgage assistance to SPS on XX/XX/XXXX via facsimile. The application package was also submitted to SPS via U.S. Certified Mail. On or around XX/XX/XXXX, SPS sent our client a request for additional documentation. Subsequently, all of the requested items were submitted in a timely manner via facsimile to SPS as directed. On XX/XX/XXXX, we called SPS and confirmed all of the documents were received and nothing further was needed. Then on XX/XX/XXXX, we called SPS again to determine the status of our client 's application. During this conversation, we were informed for the first time that additional information was still needed from the borrower. After conferring with our client, we provided the requested information to SPS over the telephone on XX/XX/XXXX and we were told the application would be promptly submitted to the underwriter for an evaluation. 
Despite being actively engaged in loss mitigation efforts with SPS for the past several months, counsel for Plaintiff in the foreclosure action ( i.e. XXXX XXXX XXXX, XXXX ) has been actively pursuing a foreclosure judgment against our client by means of a Motion for Summary Judgment, which is a clear violation of 12 CFR 1024.41 ( g ). Not only was Plaintiff 's counsel actively pursuing, but it was also successful in obtaining a foreclosure judgment against our client on XX/XX/XXXX. SPS did not conclude its evaluation of the borrower 's complete application for mortgage assistance until XX/XX/XXXX, and pursuant to the denial letter and applicable federal regulations ; he still has 30 days from that date to appeal the decision. Please note, we definitely intend to appeal the decision because there were several errors made by SPS in the calculation of our client 's income and the NPV data inputs but we will be addressing our appeal under separate cover. 
Due to the foregoing, Plaintiff 's counsel was prohibited from seeking a judgment against the borrower and was even required to take steps to request that the court not issue a judgment prior to the conclusion of the loss mitigation review, which it clearly did not. We believe SPS is responsible for directing the activities of foreclosure counsel and thus are fully responsible for the improper and actionable steps taken by XXXX XXXX XXXX, XXXX in connection with this matter.
Ocwen Loan Servicing , LLC ( " Ocwen '' ) incorrectly denied me a HAMP modification and instead completed an in-house loan modification on XXXX XXXX, XXXX. The new payment amount was {$2000.00} ; however, on or about XXXX XXXX, Ocwen changed my mortgage payment to {$2600.00}. I was informed that this increase was due to an escrow adjustment. Upon further discussion, Ocwen admitted that at the time of the modification they had failed to accurately calculate the total escrow due. It appears that Ocwen purposely failed to accurately calculate and/or include known escrow in order to provide a falsified loan modification. By knowingly failing to accurately incorporate the historically known escrow, Ocwen avoided making the necessary interest rate adjustments and/or principal foregiveness necessary to provide a true and accurate loan modification. I have raised these concerns on at least 4 occasions ( the most recent with the Ocwen Office of the Consumer Ombudsman ) and in each instance my concerns have gone unaddressed. In each case Ocwen has failed to address that the XXXX XXXX loan modification was materially flawed and has failed to address my request that the XXXX XXXX loan modification be recalculated using the correct escrow amount which have been available to Ocwen since before XXXX XXXX. Once again, my concern is that Ocwen incorrectly denied me a HAMP modification and then intentionally failed to include total escrow in order to provide a false loan modification which they had no intention of honoring. I believe that a review of Ocwen in-house loan modifications will reveal a similar pattern among it 's customers. A pattern of incorrectly denying HAMP modifications in order to steer its customers to it 's in-house loan modification program and then purposely omitting key information ( i.e. escrow amount ) so that they can provide false loan modifications which they intend to immediately adjust upon completing an updated escrow analysis.
I have any knowledge of the said account Midland Credit Management I have contact this company in the past & thru CFPB asking for validation of this account the out come is always a letter stating that the info is correct! How is this info correct? How did you verify this information to be correct? What proof do you have to show this info is correct? Can you please share with me how you found this info is correct? I tried to request verification online today thru XXXX & i received a statement saying that MIDLAND wo n't reinvestigate this matter but it was never proven to me how is was my debt! I have attach the letter that was sent to me just stating that the info is correct
My sister was living with me at XXXX XXXX XXXX XXXX TN XXXX. She calle XXXX XXXX  to purchase cell phone for my nephews she gave them my address and they pulled up my name with this address. The service was supposed to be her her name. XXXX put this purchase in my name. I didn't realize this till six months later.I explained this was her bill she was responsible for it she told them this as well to no avail. I have been disputing this since XX/XX/XXXX on my credit report. I was removed form credit report in XX/XX/XXXX then it was placed back on there with XX/XX/XXXX as date account was opened. This is a fraudulent date. This is a fraudulent way to conduct business and this has plagued my credit since XX/XX/XXXX. XXXX XXXX XXXX   has this collection now the amount is {$1100.00} the account is XXXX. I would like this fraudulent purchase that I did not initiate and have been disputing since I found out about it Removed once and for all off my credit!!!
I am a victim of identity theft. This dispute is about a checking and savings account at Chase. I have two previous complaints against JPMorgan Chase bank. These complaints were in reference to a credit card opened as a result of fraud. XXXX from the Chase executive office reached out to me and told me that Chase was holding me liable for the credit card because I had been inside of a branch of showed ID. Upon disputing that with XXXX I asked him to get me the location of the branch and the name of the branch manager so that I may visit that branch and show ID and prove that it was not me that went inside this branch. XXXX called me back and told me that upon doing further research Chase found that I had not been inside of a branch after all and they they were opening up the investigation again. XXXX told me that Chase opened a checking and savings account in my name and that I needed to dispute the checking and savings account before the credit card account could be removed. I submitted the documents Chase asked for. Please note that I have attached the police report number but I was not given a copy of the report so I am attaching what I was given. In addition to the affidavit from Chase I am attaching a copy of the FTC affidavit of identity theft, a copy of my photo ID and a copy of the lease from the apartment I was living in during the entire life cycle of this account which is not the address Chase sent credit/debit cards and or checks to. XXXX told me on the phone that he asked the credit bureau department at Chase to update my credit report to temporarily remove the negative reporting while the investigation was completed, however as of XXXX that has not been done.
They call up more then 10 times a day at times then hear nothing then starts again from at least XXXX different numbers Ive blocked so far. The medical debt WAS paid by the VA and its well known that the Hospital must accept what has been paid. They are still trying to collect a debt from XX/XX/XXXX-XX/XX/XXXX My husband is a XXXX Veteran with XXXX XXXX, XXXX XXXX. XXXX XXXX and the list goes on and they call and it makes him so hard to handle with the way they talk to us and Threaten us with arrest, etc. Then he usually has a XXXX because they set it off by their calls constantly.
This company Eastern Account System is trying to collect {$350.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Eastern Account System with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Eastern Account System. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Eastern Account System. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
I 'm getting multiple phone calls from a company called UCB for my former brother in law. I told them to stop and it is continuing.
This is the WORST bank everWhen I went to open a new checking account with PNC Bank, the bank being made very attractive advertising and they are very polite when you began to open a new bank account, giving a blank application documents and check ID after that just want you signature on blank application form without remind related cost or fee, that is the problem is the nightmare began, In generally different banks when using ATM card withdrawals will charge fee is currently the bank system business, but PNC bank charge a lot of fee with too high too expensive compared with other banks, if you go withdrawals cash with non PNC ATM machine the charge will be for example : cash out amount of $ XXXX {$27.00} ( fee {$7.00} ) if you just look balance before withdrawals will charge additional fee {$3.00}, so total will be charge {$10.00} for just XXXX cash withdrawals, plus Service Charge monthly fee {$10.00} and account maintenance charge {$12.00}, all these costs they are not given detail information when you open new account, I have been cheated feeling .... 
Extremely disappointed with PNC
To Whom It May ConcernI was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW.  The following account are still unverified : XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX I demand original paperwork, contract or bills of sale something, the account are not accurate on my file
On XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud from XXXX and I was explain that they will cancel my Navy Federal Credit Union and will expedite me another Bank Card Via XXXX. I called today XXXX XXXX, 2015 I was informed it mailed out regular mail and were they can not trace nor tell when I should expect it. Navy Federal also explain that XXXX check of mine has been return and they do not notifty the payee that it not enough fund in the account. So they allow the payee to keep sending thepayment while they keep charging me {$29.00} XXXX times and they its not enough funds theaccounts. Along the fees from the vendor I also owe them {$29.00} for the XXXX transaction. 
Can tell me is this the Navy Federal Credit should treat their customer. I 'm still awaiting a response regarding the fraud at XXXX XXXX XXXX they just the take my money.
s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.
I contacted this company in XX/XX/2017 requesting validation for this account. This is NOT my account. I have never owned a credit card and have no intentions of ever getting one. Is company will not remove this false information from my credit, as I have previously requested. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit.
I have never had my own XXXX account!!! 
XXXX XXXX XXXX XX/XX/XXXX Open {$130.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AFNI Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$130.00} High Balance {$130.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AFNI XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
On XX/XX/XXXX my XXXX yo son made a purchase at the local grocery store and withdrew money from the self serve check out. He missed place his card in between the store and home, only to discover that on Monday XX/XX/XXXX that a check for {$8700.00} was deposited by ATM with XXXX XXXX  into his checking account and several withdrawals of his own personal money from a second checking account was transferred in the initial checking account where the bogus check was deposited. We live in the state of GA and there's NOT a USAA branch in our state to make check deposits except by mobile banking. 
Because my son account in the past was a joint account underneath mine, he is now XXXX but his account as well as both my checking and saving account has been frozen. I have filed a police report with the local authorities and is waiting for the police report. But I have uploaded a copy of my case number from the police to my USAA profile. 
I have reached out to USAA on several attempts to get updates in the investigation only to be told that IF I pay the outstanding fee of {$260.00} for the overdraft on my son 's account of the return check ( bonus check ) that was deposited AND the charges from the transactions that my son made prior to the check being deposited, would then OUR accounts be accessible. 
Now, prior to the check being deposited into my son 's account, my son had funds well over {$800.00} in his accounts MONTHS ago, as well the recent deposit of his payroll check of {$230.00}. So had that bogus check NEVER been deposited into his account, ALL of his transactions would have been cleared. 
So I refuse THEN as I do NOW, to be STRONG ARMED into paying for a debt that HE/I owe to release our funds. WHEN DID WE BECAME A THIRD WORLD COUNTRY TO START USING THESE PRACTICES???? 
WE BOTH have financial obligations that requires the use of OUR FUNDS NOW!!!! So please help.
We have been working with Citi for over 8 months. They have had a complete package and " been under review with no documents requested '' for over 3 months I call and call and get no where. This short sale should have been approved months ago. There is no excuse for their treatment of files. I have XXXX with the right now and all XXXX are completely stale. I call in and there are no notes in the system and my " negotiator '' is never available. Supervisors are also never available. I have asked for return calls and NEVER received XXXX.