WillisBack/dataset-financial-user-claim huggingface dataset:
I brought in a mailer coupon for a {$300.00} checking bonus XX/XX/XXXX to a local Regions Bank on XXXX XXXX XXXX, XXXX, TX XXXX, and opened a lifegreen checking with the bank. The branch manager told me they needed the complete mail for verification for which I already threw away because there was a detachable coupon from the mailer which did not state I needed the complete mailer for the bonus. The manager proceeded to open the account anyway stating it was okay because i had the coupon. 3 months passed by and i did not get the bonus despite having fulfilled the requirement ( XXXX debit transactions ) .This was XX/XX/XXXX, which was 3 months after i completed the requirement. I went in to talk to them, and one of the bankers ( XXXX ) kept telling me to check back which i did. Another month went by and still no bonus so i called up the bank who gave me the runaround stating they were working on the issue and would give me a follow up. I never received any follow up until i started calling the banker 's direct number to which he apologized and promised to take care of the issue. Another month went by with no result. I was thoroughly fed up at this point i told them i was going to file a compliant if they kept ignoring the issue. the banker kept telling me he would follow up with the status, never once did he initiate the call to me to update me on the status, only once after i 've called him first to demand a callback. I had to coldcall this bank numerous time week after week to get an update which was always '' i promise you it will be done ASAP. '' His excuse was the system could not locate me for the bonus because i did not have the complete mailer, but they would go ahead and take care of it because the account was opened anyway. 
Finally on XX/XX/XXXX i went in the bank myself to talk to them, the banker saw me and immediately sat me down and told me they finally got the ok to deposit the money into my account and promised that i would receive it by the next morning. I gave them 2 days after that conversation, still no bonus. I tried to contact them by phone many times and was always told by a teller that they would contact me back, not a single call back. 
I really wanted to close my account at this point because i am so fed up with this bank and how incompetent the people working here are. I am not even as angry about the bonus not getting deposited as it should have. but rather the lack of respect for their customer and lack of courtesy to simply give a phone call to update on the status after promising numerous times that they would. 
I initially decided to give this bank a chance as i was actually looking for a new bank to deposit my money and it was relatively close to where i live. But after this ordeal with this particular bank I do not see myself going back ever again for anything, this bank has wasted numerous hours of my time chasing them on the money due to lack of communication, follow up, and lying to me about working on this issue diligently. 
I work in customer service myself so i know how important it is to treat customers with upmost respect, but unfortunately this bank showed me none.
Citigroup has implemented a policy which is anti 2nd amendment ... anti business ... anti commerce ... anti American ...
Two years ago I made a Trust Deed Investment to someone in a group of Real Estate Investors and I insisted that the loan be against a property in California, XXXX XXXX XXXX, XXXX, Ca. XXXX,. As it turned out the investment group was involved in a XXXX scheme. I wound up foreclosing on the property because they stopped paying the interest on the loan. The XXXX loan is held by SLS llc. The XXXX loan was made to XXXX and XXXX XXXX-the people I foreclosed upon. SLS LLC refuses to put the XXXX loan in my name, even though I paid up close to {$19000.00} to get the loan current. SLS LLC keeps telling me that they will only release information on the XXXX loan if the XXXX give the ok. Because I foreclosed on them, this will never happen. SLS LLC will not accept my new insurance on the property, will not put my name on the first, and will not communicate with me. I have sent registered letters to the CEO at SLS LLC headquarters, XXXX XXXX, on XXXX, 2015 as well as XXXX XXXX , V.P at SLS LLC . I also sent a letter to SLS LLC Headquarters and faxed a copy to them just to make sure. They replied with a statement that they could not identify the associated mortgage loan with the information provided-I provided the address of the property on the first line of my letter to all of the above, i.e. the XXXX, the XXXX, the headquarters fax as well as mailed letter. 
XXXX XXXX received the updated trust deed information to confirm my acquiring of the property-yet they have refused to put my name on the property and the first loan. They will not even refer me to a supervisor as I have requested. They are the worst mortgage company, or any type of consumer company, that I have ever communicated with. Now I do not know how much the monthly mortgage payments are, and the mortgage is due on XXXX XXXX, 2015. WHAT AND HOW MUCH DO I SEND IN TO COVER THE MORTGAGE????? 
Included are trust deed affirmation in my name, the letter I sent to SLS LLC -the CEO, VP and Faxed and mailed to the company. Finally, in the letter is the civil code which shows that am legally, in the eyes of the law, the new owner of XXXX XXXX XXXX, XXXX, Ca. XXXX. All this info was in the letter-yet SLS LLC stated they it was not in the letter. They did nothing to rectify this problem. I have since gone on the internet and the complaints against SLS LLC are numerous and all the people dealing with them have had similar or the same poor if totally lacking service from this company. PLEASE TAKE ACTION ON THIS COMPANY ASAP. This is my second complaint to you and have had no luck in even basic communication with this company, even though I have included my phone number in every communication, as well as address. 
Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX XXXX
In XX/XX/2016 my wife and I tried to get a HELOC on our primary residence and we were denied because of remarks on our credit report. The remarks stated : Our account was settled for less than full balance ; account paid, foreclosure started. This remark is untrue and is different from the monthly reporting on our credit reports that show we paid all of our bills on time. We sent letters to the credit bureaus and were sent a letter stating the problem would be corrected and that notification to all three of the credit bureaus would be sent. Two years later this negative remark is still on two of my credit reports and one of my wife 's report.
In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that Experian is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing XXXX accounts, on the summary page of my credit report, that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt of late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. They have interfered with me being approved for credit. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision what was unavoidable. 


Under the NOTES section of my credit report, Experian added derogatory notations about my address for which I never gave them permission to do add. They have damaged my credit report with reporting XXXX accounts as LATE PAYMENT AND they furthered added insult to injury by reporting my address, that I have used for over 7 years, as a " high risk '' address. '' I do not understand WHY this company feels so free to report ANYTHING on my account without fear of repercussions. These blatant VIOLATIONS MUST STOP.
Theres a creditor added to my credit XXXX and I dont recall having this account open t I had no loans other than my school loans. I believe someone else is using my information. I had not open any loans other than my school loans. Please get this resolve. I also have debts that are over 7 years that are still in my credit.
Mel S. Harris & assoc. used deceptive collection practices while attempting to collect on a purchased debt. Once initial contact had been made and a discussion on solutions to resolve the debt, the attorney office sent out a summons for an appearance in court. The representative had advised us that " we should not worry because we will receive several of these notifications. '' However, there was a case filed in the city court and required an immediate response to avoid a default judgment. This summons was used as a collection tool while in mutual good faith discussion on how to repay the debt. The representatives refused to discuss reasonable payment arrangements and told us to deal with the courts. When I inquired as to why a summons was sent out while we were talking to their agency in good faith I was hung up on. After calling back XXXX times I was finally connected to a supervisor who again tried to tell me not to worry about the summons. As I inquired further as to the reason of the summons I was hung up on again. I was hung up on a total of XXXX times while asking to speak to a manager or an attorney within their office. This debt is over XXXX years old and was supposedly incurred by my mother in law who is on a fixed income and under the care of XXXX. Every time I had requested documentation or verification of the debt I was told to deal with it in court -- even though I was assured prior, that nothing had been sent or filed with the court! I am an advocate for my mother in law while dealing with what I consider to be an unprofessional and unscrupulous debt collector. The summons was sent just to solidify their subtle threats of garnishment, liens, or any other means at their disposal. My concern is that this would appear to be a regular occurrence with this agency. Once the attorney office makes contact with a consumer they issue a summons to scare the debtor. My mother in law was served on XXXX/XXXX/15 ; we had started discussing the debt on XXXX/XXXX/15 which means they ordered it while we were discussing in good faith our options on the debt. Mel S. Harris & assoc is using the power and intimidation of the summons and the court system as a scare tactic and collection tool to coerce and discriminate against consumers
I attempted to file application for a loan modification program, known as HAMP which the deadline was XXXX, 2016. As supported by documents attached, all of the necessary materials that was asked of me was given and submitted to NationStar Mortgage on XXXX 2016. XXXX made sure that I submitted a completed application and submitted the application to Nation Star mortgage on my behalf. Although NationStar wrote me and stated that I did receive a loan modification, the problem is my payment stayed exactly the same. Nationstar wrote that the purpose of the loan modification was to provide immediate financial relief but why would they keep my payment exactly the same if the goal was to provide immediate financial relief? In conclusion, I turned in an completed application on XXXX, 2016 before the XXXX, 2016 deadline and have the attachment to prove it. Secondly, NationStar informed me in writing that my loan was modified but kept my loan payment exactly the same. Furthermore, I would like NationStar to explain how providing " immediate financial relief '' equates to keeping my payments exactly the same.
My prior loan servicer, Select Portfolio Servicing ( SPS ), is reporting my account as " foreclosure started. '' However, foreclosure proceedings were never initiated. 
On XX/XX/2012, my account was transferred from XXXX to SPS. Prior to that, I entered into an agreement with XXXX under XXXX 's Cooperative Short Sale Program. The loan was not referred to foreclosure by XXXX. 
SPS informed me that they did not participate in the " Cooperative Short Sale Program, '' but instead invited me to participate in " Cash For Cooperation ''. I accepted the invitation and the account was settled in a short sale. 
Thus, SPS is incorrectly reporting my account as " foreclosure started ''. This is damaging my credit score and causing me to pay significantly higher interest rates on financing.
I was never told that this would not be covered under my insurance. They have people coming and going like cattle. I was referred here for information only. They took an enormous amount of blood and sent it to their own personal laboratories. They are cheating people by the tactics they are using. They should be investigated!!
Equifax improperly protected my most personal information and allowed it to be leaked to unknown parties which could negatively impact my finances. This potentially could cause difficulties and stress at a later date for me and my family. I have placed a 90 fraud alert on my account, however, after the 90 days, I would be unprotected and my information is still in unknown hands. After the 90 days, I am still at risk.
" " '' I have disputed this Charge Off on thisXX/XX/XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
I received a letter dated XX/XX/2018 from XXXX , XXXX . In the letter they threaten to contact my employer and attach my wages. In the letter the only give me five days to  respond from the date of the letter which I received in the mail on the fifth day of the date of the letter. 

They repeatedly contact me on my company phone and called my employer numerous time asking for me and my whereabouts causing concern with my employer. 

On XX/XX/XXXX XXXX  had a process server come to my place of employment and serve my Human Resouces Department with a Plaintiff 's Claim and Order to Go to Small Claims Court. I received urgent messages from Human Resources with concerns of this  matter and action. 

On XX/XX/XXXX another envelop shows up at my place of employment, this time the letter is addressed to my employer with no reference to me on the envelope. So my employer opens the letter and was very concerned that I may be having financial problems. This has caused me undue hardship and embarrassment with my employer which is now have a negative impact on my employment. 

I have copies of the proof of these actions as I described them to you. 

I wrote a letter dated XX/XX/XXXX in response to the threatening letter XXXX sent me on XX/XX/XXXX. I sent it to XXXX as a certified letter with receipt from the USPS. In my letter I demand that XXXX stop the harrassing calls to my employer and me during work hours. I tell them that they are breaking several articles of the Fair Debt Collections Act,  and list each article they are breaking. I ask them to remove any and all negative debt reporting on my credit report. I warn them that I will file a complaint with the Federal Trade Commission in an effort to get XXXX to stop these damaging actions against me. 

I have written a letter to XXXX, XXXX in response to their filing of Claim with the Superior Court of California , County of XXXX XXXX. I address their action of contacting my employer when they knowingly have my home address. These actions are unlawful and I need help to get XXXX  to stop these unlawful acts. I would like to also ask for any fines to be paid to me for each unlawful act as set forth with the Fair Debt Collections Act. 

I have called prior to all this asking to settle the debt and offered payments, but they only wanted their interest payments in excess of 100 % interest. 

Thank you for your help in bringing this company to start following the Fair Collection Practices Act. 

Respectfully, XXXX XXXX XXXX XXXX XXXX
I received a letter On XXXX XXXX, 2017 from collection then received a phone call to my mother house not my phone number which they have access to my mom who is elderly and lives in a XXXX XXXX leaves a harsh message regarding me then On XXXX XXXX, 2017 around XXXX XXXX Pacific time I called the corporate office at XXXX ( XXXX ) XXXX EX XXXX spoke to XXXX which sounded like a man possibly giving fake names then he transfers me to another collection agent and starts arguing telling me he does n't care about the reason why I could n't pay I then ask if I can make payment arrangements he refused and told me to borrow money or get it somehow today the on a recorded line he then said I 'm refusing to pay I just told him when I could pay and starts threaten about outside agency to get their money my total came out to {$310.00} and he offered to split my payment at first then he said on his time it had to be done today I ask to receive a copy of the recorded copy of the conversation and how his business ethics need improving and how he cant be threaten or talking to consumers yelling and not letting consumers talk
Payment was paid but was put on the credit bureau. Tried to trade automobile because of lowering interest rate but volkswagen put a credit report which made my credit report fall from good to bad. not my fault.
The CFPB website does not have a proper category for this ... ... 

On XX/XX/2018 I received a letter from XXXX XXXX, GC Services Limited Partnership, XXXX XXXX XXXX, XXXX PA XXXX, falsely claiming that we had agreed to a payment arrangement of {$200.00} per month. They also appear to use the address XXXX XXXX, XXXX, TX XXXX. 

I DID NOT. Any statement by any party to the contrary, verbally or in writting is a LIE. 

In fact, this was the first communication by this company. 

On this date, I am sending written demand that they never contact me again.
BACK IN XXXX OF XXXX I HAD AN ACCOUNT WITH MY GIRLFRIEND AT THE TIME. SHE OVER DRAFTED THE ACCOUNT, DIDNT KNOW THIS AS I HAVENT HAD ANYTHING CONNECTED TO THAT ACCOUNT. IN XXXX I MY SELF OPENED AN ACCOUNT UP WITH TD BANK ONLINE AND EVERYTHING HAS BEEN FINE. YESTERDAY XXXX/XXXX/XXXX, I WENT TO WITHDRAW A CHECK MY GRANDMOTHER HAD GIVEN ME AND TD BANK HAD ME WAIT AN HOUR TO THAN TELL ME THAT THERE WERE GOING TO HOLD MY FUNDS UNLESS I PAID XXXX DOLLARS OF THE OVER DRAFT ON THE CLOSED ACCOUNT FROM LAST YEAR. I THREW A FIT. I AM A FATHER OF XXXX AND THE MONEY IN THE ACCOUNT WAS MY RENT. THEY DID NOT WANT TO HEAR ANYTHING. DIDNT EVEN BOTHER TO OFFER A PAYMENT PLAN OR NOTHING I HAD NO CHOICE BUT TO PAY THE XXXX DOLLARS. NOT ONLY DID THE BANK MANAGER LAUGH AND SAY SHE WAS TAKING MY MONEY BUT DIDNT CARE THAT IT WAS THERE MESS UP TO OPEN UP ANOTHER ACCOUNT FOR ME EVEN THOUGH I SUPPOSEDLY OWED MONEY. I THINK THIS WAS UNFAIR AND OUT RIGHT MESSED UP.
I requested a copy of my card member agreement for my account with XXXX to be mailed to me and XXXX denied me this.
I want to report Experian violation of the Fair and Accurate Credit Transactions Act [ FACT ACT ]. I have tons of trade lines on my credit report. One of the trade lines, reported by XXXX [ Opened on XX/XX/XXXX ], erroneously reported my account was being " 30  days late '' in XX/XX/XXXX, even though I mailed  them a payment check. When I opened a dispute through the Experian website, Experian forwarded the dispute to XXXX, and let XXXX have the SOLE decision to make a decision without reviewing all the facts and documents presented to them. To give the creditor sole power to make decisions is an illegal process that can result in incorrect information on a person 's creditor report. 

I hope this error gets resolved by Experian because I intend to file a complaint with Colorado State Attorney General Office to have them look into it. As a consumer yourself, you know how frustrating it can be for a company, or in this case, a big bank, to make a mistake and then reporting a " 30 day late '' on my consumer report, and refusing to correct it. 

I have attached copy of the check I mailed to XXXX as proof that a payment was sent to them. I want Experian to update my account status to remove the " 30 days late '' to accurately reflect the status of my account according to the Fair and Accurate Credit Transactions Act ( FACT ACT ). Since they house all the data, they have a legal responsibility to make sure it is accurate.
This company took money out of my account mulptile times without permission. When I inquired about taking care of the amount due in full, I wanted to pay with cashiers check or money order I was told that there was no address to send it to and I was to let them take the amount out of my checking I do n't wish to do that since they ripped me off before. Now they are calli ng four or five times every 3 min,  calling my daughter leaving nasty messages, if they want to provide me with an address I will pay the account.
The account was the responsibility of my former spouse XXXX XXXX XXXX XXXX XXXX ), she is responsible per the court order dated XXXX XXXX 2015 Superior Court of California , County of XXXX, Judgement Case number XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( Any and all remaining balance to XXXX XXXX Card ending in XXXX ) is the SOLE responsibility of XXXX XXXX. The Judge order states : '' Any and all remaining balance to the XXXX XXXX Card ending in XXXX and any and all debts incurred by her, Defendant, after the date of separation. This order is a matter of public record and I have provided by mail copies of such to Experian, XXXX and XXXX. The reporting credit bureau. refuse to remove this collection from my credit report. As an employee on a XXXX XXXX I must pass security clearance checks.This is a serious threat to my continued employment. Please help. I can provide copies of the judgment upon request.
On XX/XX/XXXX I paid {$15.00} for a certified letter to Trans Union containing a signed and notarized document regarding the fraudulent/unauthorized information on my credit report. The certified documents were : signed and notarized and a federal trade commission identity theft affidavit. 
On XX/XX/XXXX I received confirmation that my certified packet was received by Trans Union. 
On XX/XX/XXXX I received a notification that the fraudulent account was removed successfully from my Trans Union credit report. 
On XX/XX/XXXX I paid {$29.00} to my credit monitoring website to refresh all three credit reports to review. I noticed that said fraudulent account has been put back on my credit report with Trans Union since the credit monitoring website I once used was Credit Check Total and it is now under XXXX. According to The Fair Credit Reporting Act, Section 611,  the respective credit bureau has 30 days to investigate and remove the fraudulent account and not put it back on the consumers credit report.