WillisBack/dataset-financial-user-claim huggingface dataset:
This was the offer I was supposed to get : Get a {$50.00} or {$150.00} Visa Reward Card* After you open a NEW REGIONS checking account and fulfill all requirements of the offer! 

Register Now XXXX XXXX thought you might like to take advantage of this great opportunity with Regions Bank. After you complete all requirements of this offer, you will each receive a Visa Reward Card. 

HERE 'S HOW TO EARN YOUR REWARD CARD : See Full Terms & Conditions Within 90 days of this communication : 1. Click here to complete and submit the required registration form and accept the Terms and Conditions of the offer 2. Open a new checking account with a Regions Visa CheckCard, and keep the new account open and in good standing for at least 60 days Then complete all of the following steps : For a Personal Checking account, within 60 days of account opening : Have at least one ACH direct deposit ( such as a recurring payroll or government benefit deposit ) of {$300.00} or more Complete at least 10 Visa CheckCard purchases that post to the account Sign up for Online Banking with Online Statements ( if you do not have a Social Security or Taxpayer ID number to enroll, visit a branch to see if you are eligible for other enrollment methods ) Get your {$50.00} Visa Reward Card in 46 weeks after all conditions have been met! 
For a Business Checking account, make an initial deposit of at least {$500.00} within 90 days of this communication. Then, within 60 days of account opening : Complete one Visa Business CheckCard purchase that posts to the account Sign up for Online Banking with Online Statements ( a Social Security or Taxpayer ID number is required to enroll ) Get your {$150.00} Visa Reward Card in 46 weeks after all conditions have been met! 


THEY CLAIM I FULFILLED THEIR REQUIREMENT BUT SAY THEY LOST MY REGISTRATION AD WILL NOT GIVE THE BONUS THEY OFFERED
Hello, I believe that FedLoan Servicing has acted inappropriately by forcing a forbearance on me when I did not ask for one, while they were re-calculating my IDR/IBR payment. Additionally, the forbearance was only for a month ( I seems ), and to add such a large amount of capitalized interest to my principal, all because of a one month forced forbearance, is cruel and excessive. 
The forced forbearance, capitalized approx. $ XXXX and applied it to my principal. I understand this is part of the rules of forbearance, but I did not ask for this forbearance, and even if I accidentally and passively allowed a forbearance because their verbage made it seem required during my re-calculation process, then that in itself was unnecessary and unfair. 
Additionally, the forbearance was only for a month, while they re-calculated and billed me for my new monthly payment. Why should I suffer with a $ XXXX growth of my principal, simply to ask for a re-calculation? 

I was ready and willing to pay my monthly payment during the month of my re-calculation, but there was no set dollar amount to pay, and I was sent EIGHT various and confusing letters solely during the month of XXXX, while I was waiting to find out what the re-calculated payment would be. I had no idea what to pay or when it was due because it kept changing all in the course of one month. 
Come XXXX, I see in my FedLoan online account, that my principal has grown by $ XXXX capitalization. 
What kind of practice is this? FedLoan has failed to process my request appropriately, they are perhaps guilty of purposefully confusing me with letters that state different information, they are guilty of using their forbearance rules to force my principal debt to increase, and they lacked in allowing me a say in the matter. 

I can afford my monthly IDR/IBR payment, but I can not allow them to bully me into growing my principal debt like this. How is this fair? How many other people are they doing this too? Why should such a drastic action be taken when all I asked was for a re-calculation? It is like I was penalized because I could not afford the standard monthly payment, so they said, " ok, we 'll make a way to get that money by just forcing you into a forbearance and we 'll capitalize on some of your interest ''. 

What can be done about this? 
Why must I suffer financially and have to have loans through a shady servicer? 
Who can help me? Who can help Us Americans who are trying the best we can to repay our student loans? 

Please investigate. The best solution I would like to see from this, is for FedLoans to remove the capitalized interest that they just added to my account, it is an undue and unnecessary burden, inappropriately applied. 
Thank you for your time.
There a company name XXXX XXXX account number XXXX which is reflecting on all three of my credit reports. I do not now, nor have I ever had an account with this company. Based upon the information which they are listing as a debt, and they 're stating it was opened with a company by the name of XXXX XXXX XXXX and stating it was opened in XX/XX/XXXX. This information clearly shows that the statue of limitations have run out and does not allow XXXX XXXX to now try to collect on this debt. XXXX XXXX is trying to state that this account was open in XX/XX/XXXX and they took ownership of this debt but never notified me concerning this matter, but instead placed this on my account in the month of XX/XX/XXXX.  XXXX XXXX is not within its right to collect this information and has provided false information on my report. I am asking that they remove all information from all three reports and never place this back on my account again.
In XXXX XXXX I had taken out a payday loan with a Avant credit. At the time I was in severe financial distress. I could not keep up my payments with the contract that I had agreed to with that company, So I went through XXXX program, who negotiated on my behalf with Avant. They sent a contract, had me sign it to set up payment arrangements through the debt management company. I was on a different payment plan and they agreed to settle for less than what I owed. I followed all the way through with the whole plan, paid all the money that they agreed that I should pay ; all of the lesser amount, every payment on time. It is now XXXX XXXX, I happen to pull my credit report, and noticed that Avant credit was on my credit report as over a year late with my payments. I tried to contact them and was told to contact the compliance Dept. I sent them all the documents I had, I even sent them copies of the canceled check that they had cash through my account. Now, they are trying to say that they have no documentation of this contract, their contract that they made up and agreed to, payment plan, they did not receive any payments, and I 'm still late. Someone cashed my checks at that company. I can not get a answer from a live body about this situation. I can only email them or I can call customer service who hasnt been able to resolve this issue at all. I want people to know that Avant credit steals your money. Someone at the company has taken {$1300.00} from me, and nobody is acknowledging that they even know where this money went nor are they acknowledging the contract, that 's after I sent them the contract and the copies of the cancelled checks. How do I resolve this issue. All of my payments went through global client services and were cashed. As I have said, when I call the XXXX # to Avant, I can only get customer service. There is, supposedly, no number for the compliance department ... .they can only be communicated with through email!
HomeBridge Financial Services failed to make my escrow disbursement for XX/XX/XXXX property taxes to XXXX County Tax Office. Since my loan is escrowed, my mortgage servicer has a duty to make timely escrow disbursements under federal mortgage servicing law. I received my first XXXX Delinquent Tax Statement XX/XX/XXXX and called HomeBridge immediately and was told that payment had been made on XXXX XXXX, XXXX in the amount of {$4200.00}. However, delinquent notices continued to appear and nonstop phone calls from 3rd party lenders regarding Texas Property Tax Loans. XX/XX/XXXX, and XX/XX/XXXX, I continued to make contact with HomeBridge hoping to find a solution to this embarrassing and most stressful enigma-only to no resolve. My loan was then transferred to XXXX XXXX as of XXXX XXXX, XXXX. After which, I received a Notice of intent to place a lien on my property for the delinquent taxes. If taxes remained unpaid, the lien may be foreclosed on. On XXXX XXXX, XXXX @ XXXX, I spoke with XXXX in the tax department and faxed delinquent statements to XXXX. I was asked to follow-up on XXXX XXXX, XXXX. I did so and was informed that on XXXX XXXX, XXXX a bulk check # XXXX was sent to my tax office in the amount of {$5300.00}. HomeBridge representatives has continued to provide me with false information and my property taxes remain unpaid. On XXXX XXXX, XXXX, I received a call from a HomeBridge representative regarding the situation and was told that I should have paid my taxes with the surplus check which was mailed in the amount of {$4100.00}. I explained that upon receiving the check, I made a phone call to ensure this was in fact payment being returned for escrow overage. However, the representative was very rude and told me HomeBridge sent that in error and I 'm now responsible for paying my own property taxes for XXXX. I explained that the amount sent was not enough to cover property taxes, penalties and interest. He stated " It 's not my problem. You 're responsible now and I do n't know what else to tell you. '' XXXX XXXX made the delinquent tax payment on XXXX XXXX, XXXX in the amount of {$4200.00} and {$540.00} for penalties and interest. As a result, my escrow account now has a shortage of approximately {$2000.00} ; which will cause my payments to increase monthly after they conduct an analysis. My wife and I have and continue to experience a great deal of emotional distress due to HomeBridge Financial Services ' negligence in maintaining the day-to-day management of our loan, including making escrow payments and in a timely manner. I feel that I 'm in this battle alone and fighting an undefeatable battle. I have never missed a payment and should not be punished for the negligence of my assigned mortgage servicer. HomeBridge Financial Servicers has not accepted responsibilities of their actions or lack of. They 've continued to provide me with false information and there 's very suspicious activity regarding payments received and reversals on my transaction statements since the refinancing of my property XX/XX/XXXX.
On XX/XX/2018. IC Systems was added as a collections account my credit report. I have not received any written notice informing me of such debt or allotting my 30 day time to dispute the accuracy and validity of said debt.
I mailed in two payments on XX/XX/XXXX. One payment was {$500.00}, the other payment was {$3900.00}. I wanted to pay off one loan, and the remaining overpayment of {$1600.00} was supposed to go to the one remaining loan I have. This did not take place. I contacted customer service and they said they would reapply the payment by XXXX XXXX on XX/XX/XXXX. I contacted XXXX again Wednesday, and Thursday. I knew I had a payment due on the XX/XX/XXXX, so I paid it because they obviously do n't know how to reapply payments, refund, or otherwise handle money if it 's not earning them extra interest. Check recorded calls, I never cursed and was very polite with each rep. The rep was polite, but I guess they ca n't figure out how to fulfill a request over at Navient. 

I submitted a payment so I would not be late, and guess what, they marked me as late!!! I 've never had a late payment in my entire life!!!!!!!! The money was debited from my bank and yet, they say I 'm late. The only person who is late here is Navient. They are late to the party on so many levels. GET YOUR SYSTEM FIXED. 

Also, I requested a FULL AUDIT of my loans last time because the amortization schedule navient uses is flawed they have misapplied so many payments its causing so much extra interest to build up. XXXX XXXX included scanned copies of what I can generate on Navient.com ; again this is not what I requested. It 's wrong math. They need to put four loans in and recac how long I 've had the loan open and correct payment dates. Essentially they need to remove all the payments that they applied wrong, and recalculate the CORRECT amount of interest. I DO NOT ACCEPT A SCANNED COPY OF WRONG NUMBERS XXXX.
Hello. I live in an " XXXX '' rated XXXX area as designated by XXXX. Therefore I require Flood Insurance. My house has a replacement value of {$160000.00} and I owe less than {$130000.00} on the house. My mortgage with NationalStar Mortgage was satisfied with my policy of {$180000.00} as this was more than both the amount I owed the bank and also was more than my replacement value. Then more than two years into the loan I received a letter saying I was not in compliance. I called NS and shared the requirements as stated on their letter to prove that I was in compliance. The issue went away for about seven months. Then I received a letter in which they changed the requirements whereby I had to meet one of two criteria 1 ) match the amount of my homeowners policy or 2 ) carry {$250000.00} ( the max under XXXX rules ). I disagreed by way of numerous calls. NationStar then took out an expensive supplemental policy for me to bridge what they say is a gap. This has created a real hardship as it has pushed our monthly to a place where we are exhausting our savings. I want to know if this is legal or simply unethical. True that I can refinance with someone else, but not without expense and an expense that I should not be subjected to if not for the predatory ways of this lender.
On XXXX/XXXX/2016, Asurint provided a employment background check report on me for their client XXXX XXXX XXXX. Asurint claimed I had a criminal misdemeanor charge which I disputed directly with the prospective employer and Asurint as not belonging to me and identity fraud. The report in question clearly states charges against a XXXX XXXX XXXX ( my name is XXXX XXXX XXXX ) with addresses not used or belonging to me. Asurint fraudulently stated the criminal report claimed alsias ( es ) XXXX XXXX XXXX which is not true. The criminal report clearly states criminal charges against a XXXX XXXX XXXX and it does not state anywhere in the charging documents XXXX XXXX XXXX was charged with a crime or XXXX XXXX XXXX was using an alias XXXX XXXX XXXX. 
The criminal charges does not show or state both XXXX XXXX XXXX and XXXX XXXX XXXX were both charged with a crime or using aliases. The criminal report does not reflect my social security number and I have disputed use of addresses listed on report to all the specialty resellers supplying inaccurate date to companies like Asurint that are using inaccurate addresses to associate or attached my name to criminal charges. 
Under the FCRA I requested Asurint to validate their claim and provide the actual charging documents showing my social security number and charges against XXXX XXXX XXXX or courts records clearly stating XXXX XXXX XXXX was using a alias XXXX XXXX XXXX to date Asurint is refusing to valid their claim and supply the information. 
In addition, I requested the names, physical and emails addresses, telephone and fax numbers and contact names of all parties associating my social number with said inaccurate addresses to date Asurint has refused to provide this information to allow the consumer to dispute the inaccurate information directly with their source.
TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.
My monthly payment for my car is {$390.00}. On the payment form is a space for " Additional Principal '' so in XXXX I wrote " {$300.00} '' and sent a check for {$690.00}. They applied the extra amount as a partial XXXX payment of Principal and Interest, and have sent me a bill due on XXXX XXXX for {$480.00}, which the operator said includes a penalty for paying part of XXXX " late. '' In other words, it will be late by XXXX XXXX. I asked over the phone to have the {$300.00} applied to principal, and she said the only way that would happen in the future if I cleared it on the phone BEFORE I sent it. I repeat, the bill has a space to fill in " Additional Principal. '' I wish I had the money to just pay this off so that these folks never earn another dime on me.
XXXX XXXX XXXX XXXX XXXX XXXX Department of Civil Processing @ Clearview This company continues to call my place of employment threatening that they have papers with my SSN/Name/etc. and I must contact them within 5 days or they will submit my case for processing. They have called me for the better part of 9 months claiming this. When confronted on the phone, they refuse to disclose any pertinent information. They use different names, phone numbers. Apparently, they do this to XXXX people. This needs to stop!!!!!
Over the past 7 months I have been monitoring the interest payments on my credit card from Bank of America ( rewards ). The interest seems rather high to me. I believe their interest calculation works in principle according to : 1 ) the interest on any statement refers to the purchase amounts carried over from the previous month. 
2 ) the closing date ( XX/XX/XXXX ) and the payment due date ( XX/XX/XXXX ) are different, 3 ) the interest rate on amounts carried over from previous months is really high and seems arbitrary as the following data from my credit card statements shows : statement date interest charged balance amount paid ( $ carried over ) XXXX/XXXX/16 {$14.00} {$1400.00} {$1400.00} ( {$0.00} ) XXXX/XXXX/16 {$16.00} {$1400.00} {$1400.00} ( {$63.00} ) XXXX/XXXX/16 {$14.00} {$1100.00} {$1000.00} ( {$120.00} ) XXXX/XXXX/16 {$15.00} {$1000.00} {$1000.00} ( {$29.00} ) XXXX/XXXX/16 {$6.00} {$520.00} {$250.00} ( {$270.00} ) XXXX/XXXX/16 {$12.00} {$1200.00} {$1200.00} ( - {$3.00} ) XXXX/XXXX/16 {$9.00} {$1600.00} {$1000.00} ( {$600.00} ) My monthly payments were all made on or before the payment due date. 

My problem is that I called BoA for clarification - it took over 1/2 hour, multiple holds, speaking with XXXX representatives before getting a rough answer - made by the above XXXX points. Their description on how to avoid interest payments on regular retail purchases seems simple enough - " Pay the statement in full. '' However, debt carry-over into the next billing period seems arbitrarily exhorbitant, according to my data above, i.e. interest charged vs. ( $ carried over ). BoA does not provide clear rules in this regard. Coupled with calculation uncertainties surrounding the different closure and payment due dates, even the BoA representatives that I spoke to were confused on how interest charges are computed. One representative even commented on possible interest charged on purchases made within the closing and payment due dates - showing up on the next billing statement. As I did not receive a $ -to- $ itemized detail on how BoA obtained the precise interest figures, I conclude BoAs practice of interest computation is nothing short of obsfucation that works in their favor ; and hence predatory. Although the interest payments are not large in this case, I feel BoAs credit card practices deserve closer inspection.
I have XXXX credit card accounts with Bank of America. This is second complaint. Some months ago I complained that BOFA is texting me and calling me at my work on a do not call line. I mailed to them several times to do not call my number. I put requests online to stop their XXXX office from harassing me which is illegal. They also call from blocked number. This harms my work and is very upsetting. Bank of America does not respect my privacy. Texting costs me money
On XXXX XXXX I have an account from XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX, MD XXXX XXXX that showed up on XX/XX/XXXX. However this account was opened on XX/XX/XXXX ( 6 yrs, 2 mos ). 

I'm confused and do not understand how this account just showed up on my credit report I have not received any notification of this debt and have no recollection of it. 

I do not have the account number but the amount for this account is {$280.00}.
I 've been disputing this fraud activities on my credit file with Experian since XX/XX/XXXX and have presented the fraud evidence, police report ( s ), and Federal Trade Commission Identity Theft affidavit repetitively and Experian continues to ignore the FCRA and report this fraud activity on my credit file. Their response is usually an automatic response which is not related to my dispute. 

Fraud Account : XXXX XXXX Account XXXX & XXXX Past Disputes : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX These accounts are fraud and Experian is reporting these fraud accounts which is causing harm to me and my credit. Fraud activities can not be reported on my credit file, and every time I dispute this Experian ignore the evidence and response back with non-related responses. On XX/XX/XXXX, I disputed this matter once again to Experience and their response was that " the credit grantor may not know how to contact you '' That statement is not true and also not related to Experian reporting fraud activities on my credit file. 

I 've disputed this so many times, and not being able to resolve this matter. If these accounts does n't get removed from my credit file, I will seek legal guidance to correct the harm caused to me.
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX.
DRIVE TIME, INC leasedMANAGER XXXX XXXX XXXX, XXXX XXXX, XXXXMAIN ADMINISTRATIONFOR LEASING DEPARTMENTLEASED CARS ARE A LEMONXXXX.XXXX REFUND WANTED BACK