WillisBack/dataset-financial-user-claim huggingface dataset:
Opened up chase checking accounts with a coupon and code for {$150.00} in XXXX 2015 this year. I was told by chase customer service that coupon was apply and I would receive the {$150.00} in my checking account which never happen. So I tried asking again for my bonus today by phone and the rep said I 'll need to go in person to local branch to receive bonus. Since I 've now asked for my {$150.00} bonus XXXX times in the last 4 months, with no success. I filing a complaint now in hopes that you can help resolve this issue. Chase must honor its committment this has been very misleading. Without this offer of {$150.00} I probably would have stayed at my current bank XXXX XXXX. Please help me retrieve my bonus of {$150.00}
Good Afternoon, Hello, my name is XXXX XXXX and I am writing to dispute the late reporting of payments on my credit report which has brought my credit score down a lot. XXXX XXXX, the Senior Mortgage Loan Officer, informed me that Pacific Union is reporting 30, 60 and 90 day late mortgage payments. She also told me there is nothing she can do about it. However, I have never been that late on my mortgage payments. I also put in a modification request last XXXX and was place on a four month trial beginning in XXXX XXXX. As of XXXX XXXX, my new monthly payments were {$710.00} a month and I have been making these payment on time since XXXX XXXX. Therefore, I am requesting that Pacific Union remove the false late payment reporting immediately and update all three credit bureaus of my new monthly payment. For further information, I can be reached at ( XXXX ) XXXX. 

Thanks In Advance! 
XXXX XXXX
someone went and got apartment in my name, and is reporting to my credit, i have disputed this serval times and it keeps appearing on my trw and i just disputed again thru credit report. But this is not my account and says with a company name Kimball Tirey St. John. its hindering me from get a place to live.
I AM BEING DESTROYED BY THE BANKS, this has been going on for XXXX ( FIVE ) years and XXXX ( NINE ) months so far. Clarification : I do not want to live in my home for free, all I want is justice. I am a tax paying american mother who has worked harder than a " Peruvian Donkey '' to raise her XXXX children, put a roof over their heads and food on the table ( I 'm not perfect of course ). My mortgage was owned by XXXX XXXX in XXXX ). When XXXX went down, coincidentally I lost my job. XXXX XXXX XXXX XXXX XXXX ) took over our mortgage and told me they were going to help me with " Barack Obama 's Making Homes Affordable '' program. They never did. They told me on XXXX XXXX that they had lost my entire file after an entire year of waiting for the " Home Loan Modification ( HLM ) package '' in the mail, it never came, etc, etc, etc. Later on, XXXX substantially increased my monthly payments from {$1100.00} ( which I can not afford XXXX to {$1400.00}. What? Is n't the " Making Homes Affordable '' program about assisting homeowners in distress to make their homes AFFORDABLE? WHAT KIND OF HELP WAS THAT? After almost four years dealing with them, I told XXXX that I was going to sue them, Ha! TWO days later I received a letter from XXXX informing me that NationStar ( a glorified collections agency who calls itself a " bank '' ) would be servicing my loan beginning the following month ( by then, XXXX, XXXX, XXXX XXXX. This has been a nightmare, they do not want to assist in any way, they make arbitrary decisions without informing me, they lie to XXXX XXXX and every single call from them is to harass and try to scare me. All these years I have not made payments on my loan because XXXX told me no to, and now, after almost six years, the principal on my home is double the value of my property. How can I afford that? They say they can not reduce the principal because XXXX XXXX does not allow it, and that if my loan were with XXXX XXXX, they would be able to do so. Well, they are sueing me A-G-A-I-N to foreclose on my property. This is my home, I HAVE LIVED HERE SINCE XXXX XXXX, it is my only real estate property and I live in my home, I am not a lawyer. This ordeal has made me very, very ill, and I can prove it. I applied for Social Security XXXX XXXX XXXX and I am certain I will be approved. I have been tricked by fraudulent corporations, including a lawyer I hired called XXXX XXXX with payment arrangements of course to help me. I have lost XXXX {$6000.00} seeking help, heck, I am still paying the fees for nothing, crooks, that 's what hey are. Please I need help, I can not afford a lawyer and I have nowhere to go if I lose my home.
NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX XXXX XXXX XXXX XXXX WI, XXXX Trustee in care of XXXX XXXX XXXX MR. XXXX XXXX, CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RESPONDENT This is a legal notice. Please read it carefully as it means what it says. If you fail to comply with this notice, then you will be deemed to be in agreement to my fee schedule outlined below. Do not ignore it. 

Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL XX/XX/2019 RE : NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, ACCOUNT # XXXX and # XXXX Dear Mr. XXXX, CEO : On XX/XX/2019, you were sent notice of Conditional acceptance for value for proof of claim upon corporation 's contract, for determination of 'meeting of the mind ', 'Fraud on the Contract ', and/or 'unconscionable contract ', and/or agreement for commercial discharge, Account # XXXX and # XXXX. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You failed to perform after receiving these presentments from XXXX : XXXX, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said Notice mentioned above from the undersigned. 

The time limit has elapsed, constituting acceptance by Respondent / LIBELLEE thereof instead of providing a timely response / rebuttal to the allegations of the Secured Party. An unrebutted Affidavit stands as the judgment in commerce. 
As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise.

Thank you for your prompt attention to this matter.

Sincerely, Without Prejudice Authorized Representative XXXX : XXXX
My private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments each month.
My wife and I are co-borrowers on a mortgage loan with Ditech. My wife recently went into bankruptcy ( I did not ). Since this happened Ditech only gives me very limited access to my online account. I have no idea the amount of my next payment ( it was raised for some unknown reason ) and my online statements are blank. The only way I have account access is to call their bankruptcy department and they keep me on hold for 45-60 minutes before they answer the phone. I asked for my payment schedule in writing and they refuse to provide it. It would be nice to know how much I owe each month.
Wells Fargo postures that they are in favor of keeping people in their homes. As per their website they participate in the federal government 's Home Affordable Modification Program where they " help keep people in their homes when facing a significant hardship '' where the borrower is " allowed to make lower payments. '' They offer " mortgage assistance events '' and state " we are here to help you. '' ASC recently assigned to me my own new " home preservation specialist '' there to offer " mortgage assistance ''. In XX/XX/XXXX as per their annual report, Wells Fargo " adjusted loan terms, lowered rates or reduced principal ( or a combination of the XXXX ) '' and " forgave XXXX in principal ( by far the industry leader. '' And in XX/XX/XXXX annual report Wells Fargo claims to have " forgiven more than XXXX in mortgage principal '' and hosted " more than XXXX home preservation events. " That is a stark contrast of what Wells Fargo recently did to my mortgage. In XXXX XXXX, Wells Fargo increased my total mortgage payment from {$4000.00} to {$5500.00} - an increase of {$1400.00}. This is a fixed rate loan of 7 % which is high to begin with. That is a whopping XXXX percent increase on a monthly payment. They increase escrow from XXXX to XXXX a whopping XXXX percent increase. Taxes and insurance did n't double in the last year. What they also did was increase the payoff portion of the loan by {$18000.00} a year and are sucking the equity out of the property and placing it into the " overdue payment '' portion of the loan. 
Wells Fargo is acting in bad faith here. They claim their goal is to keep people in their homes by participating in HAMP, offering home preservation events, assigning home preservation specialists and claiming to reduce XXXX in principal. The reality is they increased my monthly payment by XXXX percent, increased escrow by XXXX % and are adding {$18000.00} a year to my payoff amount each year even though taxes and insurance have not doubled. They are acting in bad faith here. They profess to perform actions to keep people in their homes but they increased payments and payoff amounts making it more difficult to make payments or refinance assuring that people will lose their homes. The CFPB recently found " The XXXX companies about which the CFPB received the most mortgage-related complaints between XXXX XXXX to XXXX XXXX were Wells Fargo, XXXX XXXX XXXX, XXXX, and XXXX XXXX. '' Wells Fargo 's antics are in bad faith. From jacking up payments to more than doubling escrow amounts to increasing payment by {$18000.00} is disgraceful and is counter to " keeping people in their homes. ''
Dear Sir/Madam : The below collection agency has been calling me about a debt that I am disputing from an apartment that I moved out of at the end of my lease ( XX/XX/2014 ). The apartment is in New York XXXX XXXX XXXX XXXX XXXX XXXX. 

I left my apartment on legal terms as I was supposed to at end of lease and left my new mailing address. I never received any mail or contact from XXXX XXXX at my new address advising that I had a debt to pay for apartment damages. I only received notification directly from this debt collector almost five months later ( enclosed ). The only evidence they sent me is an inspector 's checklist stating the damages, with no pictures. What rooms are the damages in? Even if they had shown pictures, this complex has XXXX residential buildings with XXXX apartments. It would be very easy for them to take pictures of any apartment. I know that I did not make these damages and I want to see pictures prior to me moving in as proof of damages. Also, as I explained to them, New York landlords can not charge for normal wear and tear, and these building are pre-war buildings from the 1950 's. My unit 's floors were original floors. XXXX also renovates EVERY apartment after a move-out so they increase the rent for the next renter. So it is my understanding that any " fix-ups '' needed would have already been done during a renovation. 

It is also my understanding that XXXX is very negligent to their renters. After receiving these charges from the debt collector, I received a 'Thank You ' card ( enclosed ) at my new address thanking me for renewing with XXXX. That shows me that they do not care for their residents to pay attention to the details and they did actually have my new address. They could have sent me these charges themselves so I could handle it directly with XXXX versus sending the charges directly to a debt collector. In fact, if anyone were to look at XXXX XXXX XXXX XXXX on XXXX, they would see how much debt they are trying to recover. This is just another reason why I think they are just trying to pinch every penny they can out of their residents. 

The collection representative, XXXX XXXX, has called me multiple times now and continues to harass me and speak over me making it a very frustrating call. He will not give me details on how I can dispute or when they would send my debt to the Credit Bureau. He only says it could be at the end of the month but he does n't know. 

Debt Collector contact : National Credit Systems , Inc . 
XXXX
Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on XXXX. I have also today ( X/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the XXXX file immediately.
The company listed below went into my credit file without authorization. I contacted the company and spoke with a representative and explained that I did not apply for credit with their business. I shared that there were 7 hard knocks on my credit file ( with XXXX and XXXX. ) In addition, there are 10 or more hard knocks with XXXX. Nevertheless, they have fail to removed any of this information. Your help is much needed!!!! 

Chase Bank USA. NA XXXX XXXX XXXX XXXX XXXX, DE Telephone Number ( XXXX ) XXXX
I was tricked by Fake News put on the internet by a " merchant '' /Criminal using pictures of President Obama and Mrs. Obama and indicating their approval of the products of the company. Then it offered to ship samples at minimal costs ( @ {$4.00} and {$5.00} ) to lure consumer to give Credit card information. Soon after the initial samples, the " merchant '' /Criminal started repeated billings of the products at much higher prices ( @ {$89.00} and {$85.00} ) -- not even shipping thee products. The first round of billings of High Prices were made XX/XX/XXXX. The second round of billing at High Prices were madeXX/XX/XXXX ( @ {$91.00} ). I protested to Discover as soon as I received the first round of unauthorized billings at High Prices and pointed out it was a fraud perpetrated on consumer. Discover initially reversed the charges. However, After the " merchant '' /Criminal made the second round of unauthorized billing, they submitted some kind of " documents '' and proof of shipping of the third billing, Discover went along with the " merchant '' /Criminal and reinstated the reversed charge to my account. That happened to my closed account ending XXXX which carried over to my new account ending XXXX. Discover made another mistake charging my new account ending XXXX  for that particular billing of {$90.00} again, Making me owe the same amount twice!

In my repeated protests made to Discover, not only that I explained the nature of the consumer fraud but repeatedly urge them to cooperate with the authorities to investigate the Criminal enterprise but to no avail.

Now Discover is threatening to report to Credit agencies for my non-payment of the Double charges of the one Unauthorized billing on my account.

The issues here are the Consumer Fraud perpetrated by the " merchant '' /Criminal and the mistake of double charges for the same item ( once on the old account which was carried over to the new account and again charged the same to the new account ).

Again, I wish this case of Fraud to be referred to an authority for investigation and prosecution.
Already filed Disputes letters also XXXX sent an letter saying that they investigate and deleted or removed some errors this XXXX XXXX XXXX last update was XXXX XXXX,2016 I have been trying to get help with credit problems for more than four years now the Fair credit Act as a consumer should help in this case. if any questions please call me at my home phone number ( XXXX ) XXXX or ( XXXX ) XXXX
Hello, I sold an item ( Item # XXXX ) on XX/XX/2018 via XXXX and provided the correct tracking number ( XXXX XXXX ) to XXXX and the customer. After the sale, I received three frantic emails from paypal saying my tracking number was invalid. I logged in an realized the number was correct and needed no updating. I also realized that XXXX asks for tracking numbers not paypal. I called PayPal and was told that the number was valid but was being seen as invalid for some reason. XXXX was blamed for not transferring the number over correctly. XXXX instructed me to send my merchandise but PayPal froze the funds. I thought that once the item was delivered the invalid number glitch would resolve itself. I contacted PayPal and was told that XXXX was asking them to hold the funds and that a new rule stated that they could not manually release held payments. I called XXXX, XXXX flatly denied Paypal 's statements. XXXX denied holding funds or having rules against manual releases. 
Multiple excuses were given. 

1. " It's a glitch that will be corrected if you update the ( already correct ) tracking number ''. 2. " XXXX is forcing us to hold your money '' 3. " XXXX transferred the tracking number over incorrectly '' 4. " A new XXXX rule prohibits us ( paypal ) from manually releasing funds. 

5. We are not holding your funds.

6. " Just wait until XX/XX/2018 it will be released ''. I was calling them on XX/XX/2018. 

7. We have no ability to transfer your call to a supervisor or an American agent. 

On XX/XX/XXXX I had an XXXX  representative on the phone when I called PayPal. The paypal representative quickly realized blaming XXXX was not going to work so she removed the hold, after a very long wait. I asked her why the funds were held under several false pretenses, she stated that PayPal can randomly hold funds if they think there is a security risk. I don't understand the risk, if it was paid for and a valid tracking number was provided. I feel I was caught in a difficult spot. XXXX is telling me to ship paid for, trackable merchandise and PayPal is keeping the money and misleading me regarding the reason. I am expecting retaliation regarding my complaint. What I thought was an innocent glitch, turned out to be much more troubling. The behavior is both fraudulent and time consuming. 

XXXX XXXX
I applied for a line of credit at my dentist office ( XXXX XXXX ) in XXXX XXXX, FL. in XX/XX/2018. The credit line was to cover for the deductible payment my health insurance wouldn't cover. I applied with the receptionist desk & they advised that my line was approved for {$1500.00} and I agree use the amount to finish with my XXXX   XXXX/XXXX. 
After paying my account for more than a year - I reduced the total amount due to {$1200.00}. However in XX/XX/2018/ I was charged {$430.00} in interest charges on purchases. 
I did not use this line of credit after my XXXX  XXXX and have been making on time payments usually paying a little more than the minimum due in good faith. 
According to XXXX XXXX XXXX/Synchrony Bank - I now owe over {$1600.00} due to the added interest charge. 
This has caused for my account to reflect " over the limit '' line of {$1500.00} - which has drastically reduced my credit score. They are calling me every day but they will not address my disputes concerning the interest rates and their unethical way of collecting money. 
I have prided myself in building and maintaining a good credit report. I believe this company is fraudulent and are basically robbing me of my money, time & peace.
I came across an offer for Capital One 's XXXX Rewards Credits, and its terms were simple : {$0.00} annual fee ; 0 % Balance Transfer & Purchase intro APR for 9 months ; 1.5 % cashback on all purchases ; and a one time {$100.00} cash bonus after spending {$500.00} on purchases within 3 months of approval. These all sounded appealing, so I applied and was approved for a card. However, after purchasing a laptop, I called in to claim my {$100.00} cash bonus and was informed that I actually was n't eligible. Why? This is how the call went : Capital One : " Because that promotion is for a different card. '' XXXX : " I 'm looking at the promotion on your website, and it 's the card I applied for. '' *after a hold* XXXX : " That promotion is for a VISA card, but I can give you {$10.00}. '' XXXX : " I 'd like to speak to a supervisor. '' *after a not-so-brief hold* XXXX : " You are ineligible because you 've previously claimed a bonus reward on another Capital One card. '' XXXX : " No, I have n't. This is my first rewards card. '' XXXX : " It 's actually because we sometimes do n't extend the offer to already existing Capital One account holders. '' XXXX : " Sometimes? Is there set criteria that I can check my application against? '' XXXX : '' I do n't know. '' This is just awful business. They have a promotion for a card where XXXX of the most enticing parts of the promotion is n't even something I can take advantage of. There 's not a single word about ineligibility in the promotion, which is misleading. I received a hard inquiry when I applied, and at the time I thought it was worth it. But after the shady nature of my experience with this card, I regret applying in the first place. I had also factored the {$100.00} into my laptop purchase, so not getting that impacted me to some degree financially. What 's more infuriating and disappointing is the blatant shadiness of the promotion, coupled with the " too bad '' vibes I got from the supervisor. 
This is to say nothing of the surprise annual fee I was informed of *after* getting approved. The promotion plainly states, " {$0.00} annual fee, '' but apparently it 's based on credit worthiness, which is fine as long as they 're up front about it. Honesty and upfrontness, however, does n't seem to be Capital One 's strong suit.
I fell behind on my mortgage by two months and I have been working on getting caught up. I plan to use my income tax return to do so and the money is due any day now. I sent my normal payment to the XXXX which is serviced by Dovenmuehle Mortgage. They rejected my payment and I have yet to speak with anyone that can actually tell me what XXXX is going on. How can they reject a payment? I am willing to make good on my loan but I will never use the XXXX again because of the experience I have had with the servicer. 

How can this company do this I wondered and then I started doing some research. I get the impression they are targeting veterans like myself by servicing loans for the XXXX and XXXX. I am worried they will XXXX and I do not know how to fight them.
This is my 2nd complaint that I have filed with the Consume Financial Protection Bureau against XXXX XXXX XXXX. The first complaint was on XX/XX/XXXX. On XX/XX/XXXX I received a " Notification of lawsuit Filing and Civil Complaint '' from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I PAID/settled this loan in the amount {$250.00} in XX/XX/XXXX to XXXX XXXX XXXX that was representing XXXX XXXX XXXX for the loan. On XX/XX/XXXX @ XXXX XXXX I received a pone call from XXXX XXXX XXXX asking for a settlement on the XXXX XXXX XXXX loan. I informed them that I paid the debt. the conversation got heated and I was informed that they were taking me to court and I told them to go ahead. 

Over 5 years XXXX XXXX XXXX have not updated their records to showing that I PAID this loan!!