WillisBack/dataset-financial-user-claim huggingface dataset:
An offer was sent to receive a {$200.00} bonus for opening a checking account. The terms stated to open the account by XX/XX/2018 and make a direct deposit of {$500.00} or more within the first 90 days to receive the bonus. 

An attempt was made to open the account online on XX/XX/18, but there was an error and said to finish by calling or going to a branch. On XX/XX/18, we went into the XXXX, MD branch to complete the application process using the promotion sent in the mail. 

Following the terms and conditions, a direct deposit was made on XX/XX/18 for more than the required amount in the promotion. After a few months, M & T was contacted via online secure messaging on XX/XX/18 to confirm if the bonus would post. An agent replied on XX/XX/18 that the bonus should post by XX/XX/18 if the account is in good standing and the requirements have been met. No bonus posted by XX/XX/18, so another secure message was sent on XX/XX/18 to inquire. M & T replied on XX/XX/18 stating that the offer was not for the primary account holder but the joint account holder. As a result, they said the bonus would not post. 

Based on this, they never set up the account correctly in the branch by not making the primary account holder the name on the offer. After speaking with the branch on XX/XX/18, they continued to insist that they would not give the bonus.
I have one parcel id number and two addreses XXXX and XXXX XXXX XXXX XXXX XXXX XXXX have been paying my mortgage regularly for almost ten years on time. I do not want to loose this property i want to work something out like a modification agreement which sometimes they agree on doing that and sometimes they say they are going to foreclose.I got a letter last year that said my payments on each heloc was going from XXXX to XXXX/m each.This is when i stopped paying cause they told me i needed to do that in order to recive my modification.They asked me to make a payment XX/XX/XXXX on each so i did to Bank of America.loan number XXXX XXXX and loan number XXXX XXXX.I sent them everything asked for checks tax returns bank statements profit and loss statements you name it they have it more than once from XX/XX/XXXX.They have an incredible lack of understanding any of it. My relationship manager XXXX says ooh dont worry everyone else says nothing is happening and they hired an attorney to foreclose on me they say XXXX and XXXX some lawyer in florida.They have underwriters that will not talk to me and they are the ones that dont seem to get anything now so much time is going by im very worried.I have a XXXX son with XXXX so from XXXX years old i spent a fortune on doctors.They kept sending me documents saying the modification on both loans are being worked on but i dont think so by the way other managers who answer the phone has explained to me.This is a horrible situation.
MY COMPLAINT IS ACTUALLY 2 COMPLAINTS ... ... ..1ST IS BOUT ALL 3 MAJOR CREDIT BUREAUS ... BECAUSE THERE IS CREDIT FREEZE ON MY REPORTS IT IS MAKING A PROBLEM WITH OPENING ANY NEW BANK ACCOUNT FOR ME ... ..BANKS TELL ME THERE IS FREEZE ON MY SOCIAL SECURITY NUMBER BY XXXX XXXX THAT IS DUE TO FREEZE ON MY CREDIT REPORTS ... .SOUNDS QUEER BUT IS TRUE!!! OTHER COMPLAINT IS BOUT EXPERIAN I COMPLAIN IN PAST BOUT IT BUT THEY ARE STILL REPORTING 1 OLD ACCOUNT AS BEING CLOSED IN XXXX 2017 BUT XXXX IS REPORTING IT AS STILL OPEN AND I CAN ASSURE YOU THAT ACCOUNT IS STILL OPEN AND I PAYING ON IT ... ... .ACCOUNT IS XXXX XXXX XXXX ... ..I CA N'T UPLOAD ANYTHING SO WAIT FOR IT BY POST I WILL MAIL IT TOMORROW OK
Nationstar 's response to the CFPB is a blatant lie. Here is why : In XXXX of 2018 my insurance company, XXXX, issued a new policy which required Nationstar to issue a check to pay for the homeowner 's policy. The policy was incorrect and XXXX issued a second policy in XXXX to correct the incorrect policy. Nationstar sent a second check to XXXX to account for the two policies. Nationstar know this is what actually caused the erroneous escrow amount. I was never notified by Nationstar about the two policy  payments until I called. Nationstar never worked with XXXX to reconcile the right account policy and I never received a letter from Nationstar about my escrow account. The back dated letter they provided you is apparently a fraudulent letter because unless they can provide that the postal office delivered a letter they are lying. Additionally, I received a refund from XXXX for the two policies in XXXX without any notice or explanation for why I got {$4100.00} for my policy. I was told my Nationstar 's escrow department that I did not need to repay the money because the amount is reflected in my mortgage payment. Nationstar and my insurance company, XXXX, failed to inform me of these mistakes and did not involve me in the resolution. My credit history should not be impacted by their incompetence and their explanation is typical of Nationstar. Its a lie! All they need to do reverse the inaccurate credit report. 

Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because Mr. Cooper, formerly Nationstar, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. Mr. Cooper has changed its name but its fraudulent business practices have continued right where Nationstar left off. I hope that you will contact the firm and address this on my behalf.
Good Morning I am submitting an Complaint that I have with Equifax regarding XXXX XXXX this company is reporting a plethora of 30 day lates and two 60 day lates on my credit file, I disputed with 609 letters, citing unverified lates reporting however it always came back as verified with Equifax. I suspect XXXX auto verification is being used because when Equifax was responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. They also stopped responding, that allows me to take legal action. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive. They are as followed, XX/XX/XXXX ( 60 day late ) XX/XX/XXXX thru XX/XX/XXXX ( 30 day lates ) XXXX XX/XX/XXXX to XX/XX/XXXX ( 30 day lates ) and a 60 day late for XX/XX/XXXX XX/XX/XXXX
I received a phone call on my cell phone, asking to speak with my sister-in-law and her husband. I have no outstanding debts. The credit collection agency is attempting to contact the alleged debtors by calling my cell. 

The message I received said, " For ( insert name of my inlaws ). This is XXXX XXXX ( sp? ) calling from Northstar Location Services. I need a return phone right away. Call ( XXXX ) XXXX - XXXX. This message is from a debt collector, attempting to collect a debt. " I have no idea whether my in-laws owe any money ; however, it seems unethical for North Star Location Services to be calling their relatives and telling us that they are in debt. 

My husband received an identical phone call on his cell phone, at the same time. I called my sister-in-law and she informed me that all of her friends and relatives have been calling her, saying they received a similar call today. When she called " XXXX '' at North Star Location Services to figure out what was going on, XXXX screamed at her and called her a " liar. ''
I have XXXX credit cards XXXX was Walmart and the other is Old Navy credit card. My credit was fine until Synchrony bank took it over. They lowered my credit line to XXXX dollars above my credit limit for both cards.This to me is entrapment for bad credit reporting. this bank has created hardship for easy payment system on the internet. I had refuse to do automated payment with them because they take unauthorized payments from your bank account. their customer service is atrocious and rude. this bank is creating more debt for me because of the interest fees, late payments, over-limit charges and they hold onto your payments for at least 2 days after you have confirmation. this allows them to late charge you also.
Debt name is XXXX XXXX  XXXX thats what appears on my credit report the name with no account number and is inaccurate
In XX/XX/2018, I contacted equifax concerning account on my credit report showing " included in bankruptcy write-off, account closed ". In fact, just the opposite is true, the account is quite active, and the payments are up to date! Since originally reporting this to equifax through there own website I # 1 never received response # 2 the reporting by equifax is still inaccurate, no correction is made. ( I don't understand why the government we the people pay to protect, we the people. Instead protect a monopoly like equifax from defamation litigation? )
Trans Union is not responding to my numerous requests to investigate and remove accounts from my credit report that do not belong to me.
Account appeared on my credit report. I am unaware of the debt. They refuse to remove after several disputes
Signed up for an American Express Platinum card with XXXX points offer. Signed up because all the reviews I saw spoke highly of American expresses customer service with their platinum members and their concierge service. After earning the points associated with the sign up bonus my account got flagged for some sort of fraud lockout and after speaking with a customer service representative ( who was very nice ) she told me it would be three weeks before they were unfroze. After three weeks had passed I went to go check my points and again was met with the same error I was then told that it would be another 3-5 weeks as it was a 6-8 week review. This was over three months ago. I escalated the case from a normal customer service representative to her supervisor and then to that supervisors supervisor. Each one told me that the department that handled this sort of fraud did n't have a public contact so I could n't speak with them, but I find that hard to believe seeing as how AMEX is such a large company. I had then asked to speak with her superior but was told they were n't available for calls and to leave a number for callback. That was three weeks ago and I still do not have a callback. 

Not only have they put a freeze on the XXXX points I had earned, but also on the points I had previously had from a different credit card. 

I simply want to speak with someone to let them know what information I can provide to elevate this fraud issue. I 've had something like this happen with other companies in the past, but they simply just sent out a new credit card.
This collection account for {$400.00} was erroneously placed on my credit report inXX/XX/XXXX and I was unaware of it until I checked my credit recently. I was never sent any official notice or claim of this debt being attributed to me and I did NOT incur this debt. It should not be in my credit file because it does not belong to me.
On a complaint I submitted to the CFPB on XX/XX/19, about A hospital, XXXX XXXX XXXX XXXX, violating the privacy act by sending a detailed bill of procedures performed, as well as my full medical records, including XXXX XXXX to THIS third party collection agency, TRANSFINANCIAL COMPANIES. 
They responded by stating that They are " business associates " of the hospital. 
Which proves they are claiming the right to obtain my medical records. 
Under HIPPA, the only persons who are covered to obtain my medical records are PHYSICIANS for the use of TREATMENT. NOT for debt collection. 
Procedures are to be kept PRIVATE. 
Only BILLS with amounts, dates, names, addresses, and social security numbers ONLY, are to be shared for debt collection. 
They admitted that the information shared THROUGH MAIL, was protected under HIPPA. 
This is a CLEAR VIOLATION of privacy. 

I have already reported the hospital who sent my records as well as this company to the State General Attorney.
Ditech Financial Account # XXXX  We have been escrowing money on this account since its inception for payment of property taxes. Our property taxes to XXXX County, Georgia were not paid in XX/XX/XXXX. I contacted Ditech when I first noticed the taxes haven't been paid. The first contact was on XX/XX/XXXX. Every time I call they tell me they are researching it. Meanwhile, they are sitting on approximately {$8000.00} of our escrow money and are taxes are still not paid.
I learned of a debt collection on my financial credit report, which is adversely effecting my credit rating. 

I contacted Diversified Consultants, to learn this was for an outstanding balance from XXXX for services I cancelled. I never received a bill from XXXX! I was informed by XXXX XXXX at Diversified, that it was for services prior to my canceling the service. ( Billing in the rears ) I advised I would pay the bill immediately and did so during the telephone conversation. 

I requested that the debt collection be deleted from my credit report and was refused!! Mr. XXXX, not only was rude, arrogant, he provoked me into loosing my temper. 

When I requested to speak with a supervisor I was advised that Mr. XXXX XXXX was unavailable to take my call. I was then transferred to a XXXX XXXX, who also refused to remove the debt collection notice off of my record. Stating it they aren't paid to remove the records. I again, requested to speak to her superiors and was refused stating the the executives do not take consumer calls. 

I feel this is a perfect case of consumer fraud, and this inappropriate business model is adversly affecting my credit rating.
At age XXXX as a college student without income, I received an unsolicited Chase credit card with a high credit limit of {$11000.00}, well above my only other piece of credit of {$1300.00}. I ran up the balance to the max and was ultimately unable to pay. Chase charged the account off in XX/XX/XXXX, said they will no longer pursue collection of the debt, and filed a XXXX with the IRS. I paid the income tax associated with the XXXX in XX/XX/XXXX. XX/XX/XXXX, l left my job for a better one only to be told I could n't be hired based on my credit report reflecting an amount owed of {$13000.00} to Chase. I reached out to Chase to have the amount owed changed to reflect {$0.00} and they told me I would have to payoff the debt. I am now unemployed and in a catch-22. To make matters worse, I do not qualify for State unemployment since I left my old job voluntarily.
I made a wire transfer of {$2000.00} us dollars on XX/XX/XXXX at XXXX XXXX PT. The company policy about wire transfers clearly states that wire transfers made before XXXX XXXX PT will be credited same day, as today XX/XX/XXXX my money has not been credited on my account, i tried to reach the customer support but they were kind of rude and their answers were vague and not clear ( they do n't know a time frame to be resolved or if it 's going to be solved ).
TransUnion LLC Priority Department XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX TO WHOM IT MAY CONCERN : File # XXXX last XXXX # XXXX I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your TransUnion LLC Priority Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously Damaged my credit File. I have Consider class action Law suit against the Credit Reporting Agency TransUnion. claimed that TransUnion violated the FCRA by the company TransUnion allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 
On XXXX XXXX XXXX XXXX XXXX Replied with Higher amount owned which in fact its false information when the Car was voluntary repossession back in XXXX XXXX and the car was sold and the information on my credit report for the last 13 Month has been false and missleading to Future lenders for Loans applyied for! I have been asking for this to be Removed at once and blocked from Erroneous reporting by this Creditor! Today XXXX, XXXX XXXX I spoke with Supervisor XXXX XXXX and she stated that it was correct I asked her to give me the information to show how you did your investigation she stated it came back correct information. I told her I would file this Dispute and that I would take legal Action!
I have asked XXXX to validate the debt they are trying to collect on, find attach what they send me every time I request validation I have ask them to send me the contact information to the original creditor, I have ask that they send me a contract with my signature, in which case I have received neither of what I have requested, I do receive that they have verified with there client and I need to pay. These letters they send does not meet validation required by the fair credit reporting act, this is the same information they send to the credit bureaus. so not only is XXXX is in violation of FCRA so is XXXX. 
on top of not validating these accounts, there showing that I have owed {$80.00} as of XX/XX/XXXX, but in there letter they are stating the service date is XX/XX/XXXX which is re ageing this unvalidate debt, which again is a violation of FCRA, The other account is reported as in debt as of XX/XX/XXXX, in there letter they state {$480.00} service date of XX/XX/XXXX again re aging a debt. find there letter if they would like to see all letter which are same sent to me but different dates, there has not been no proof sent that these are my accounts.
Penn Credit XXXX XXXX XXXX XXXX, XXXX, XXXX has been calling my house 6-7 time a day, I do n't know why because I do n't pick up. I do not owe any entity any debt other than debts I pay to credit cards monthly. The harassment is on going. Eight years ago I owed a water bill in XXXX which went to collection, that was paid in full years ago. 
please help, XXXX XXXX
Unknown amount charged from XXXX XXXX & illegal amount charged from XXXX XXXX XXXX. XXXX XXXX & my navy federal account was illegal closed. 
I have a illegal credit score. 
I am a victim of social engeering fraud & a victim of theft.
I disputed items off my credit and enailed Equifax and received this : " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. ''
The entire time that I have had this XXXX card, they have incorrectly done things to my account. They have never sent me a statement to my mailing address, they completely got my name wrong on my card, they wouldn't accept my payments in store, just constant headaches. My biggest headache is that they have tarnished my credit with a late payment in XX/XX/2017. Don't know where it came from, asked them to send detailed documentation showing where statements were going, payments that were made, and everything else.
I have contact this collection agency for over month now requesting supporting documents that they accused saying i owe them and their response are that they do not have any information to provide to me and according to Federal law this merchant to ensure this item actually belong to me and this item they reporting to credit bureau are misleading, inaccurate and incomplete and i feel they have violated law
I disputed a transaction with Wellsfargo on XX/XX/XXXX because I was making payments to a company for my credit to be repaired, who wasnt doing the service as expected. My bank credited my account of {$450.00} and left my claim open til further investigation. I received a letter on XX/XX/XXXX stating they were going to reverse the {$450.00} withdrawal from my account on XX/XX/XXXX. I then called my bank on XX/XX/XXXX but claims dpt was closed and I was informed to call back on XX/XX/XXXX. When I called back at XXXX XXXX and spoke with claims. I stated my dispute with the guy and asked him why am I being held accountable, when I paid out money for service I didnt get and they are my bank and suppose to back me. The guy said the creditor submitted documents stating he did service for me. I said to the representative, how is that, when he doesnt have my signature and I have text messages saying if you drop the investigation, Ill pay you {$100.00} & send the letters to the credit bureaus!? Which he had me to believe for 4   months that he done so already. I got upset with my bank and told them I can not afford that reverse and I hung up. I later on did more investigation on the creditor XXXX XXXX to find out he was illegally charging me {$650.00} and is not license to do credit repair ( he was referred to me ). My last step was to file a complaint against my bank. They did not ask me for any proof. They just went off what the creditor said and left me to pay them back. Thank you for your time.
For 6 years I have disputed with XXXX XXXX that the debt they placed on my credit report is not mine. The debt is only {$490.00}. I make $ XXXX per year. If I had made that debt, I would have paid it off by now. It hurts my credit. I am in need of credit. Out of principle, I refuse to pay it. That should tell you something. 

The point in the matter is that someone else used the card. I contacted XXXX XXXX and discussed it with them. However, they refused to pursue the case then and they continued to impose this debt on my report. 

Each month they restate this debt on my report. I won't pay it, again out of principle. The debt is not mine. 

Please help me. I finally want this behind me. 

XXXX XXXX Closed ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor Company Sold Account Type REVOLVING Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$490.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX  Monthly Payment Past Due Amount {$490.00} Highest Balance Terms Revolving Responsibility Individual Your Statement Comments Credit line closed-grantor request-reported by subscriber CONTACT INFORMATION XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX
According to Experian, they say I have already received my credit report and not eligible for another one. In XXXX was my first time viewing my credit report since XXXX. I will need a free personal credit report. Also l believe my information is inaccurate due to fraud. I am requesting a credit freeze to be placed on Experian Credit Report. In addition please limit prescribed offers of credit, promotional inquiries and insurance based on information in my credit report. I am looking to seek damages from violators and dispute incomplete or inaccurate information. 

Sincerely,
RECEIVABLE RECOVERY XXXX - I have no record of any contact from this company regarding a small {$310.00} medical bill. They have placed a delinquent notice on my credit report. I moved recently and it 's very likely they sent bills to the wrong address.
XXXX client, XXXX XXXX is a victim of identity theft. She was notified that someone used her information without her consent to apply for an account with CBNA. While an account was not established the application resulted in a fraudulent inquiry on her XXXX credit report X/XX/17. An official dispute of this inquiry was sent to CBNA XX/XX/17 however as of today XXXXX/XX/2017 the fraudulent inquiry is still being reported which is a violation of her consumer right under the FCRA.
I received an offer to open a new checking account wit h CitiBank and receive a {$300.00} bonus if I deposited {$15000.00} into the account. I made two deposits totaling the {$15000.00}, and was told this would qualify as the direct deposit, and t o expect the {$300.00} bonus in 60 days. I called back about the bonus, and was told the direct deposit had to come from a payroll account, and that I no longer qualified for the bonus because the account was over 45 days old. I 'm in the process of closing the account due to the deceptive information told to me by their representative.