WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, Discover has refused to honor the original terms of their promotional offer and has requested that I violate my own health privacy by disclosing the contents of my purchases. I am reporting Discover for 1 ) false advertising with intent to mislead the customer regarding their credit card product ; 2 ) theft of significant cash reward benefits related to the spending I put on the Discover card with the belief that the terms of their promotion would be honored ; and 3 ) for tying their cooperation with the an undue required burden of proof that was not part of the original terms of the offer, and asking me to violate my own health privacy. 

Background : I opened a Discover card and was approved beginning on XXXX XXXX, 2015. The primary reason I opened the card was because Discover had advertised 10 % cashback rewards for making any purchases using XXXX, a method of transaction. Discover ran the promotion with no conditions requiring that all receipts be preserved, and that all receipts must be submitted to receive the cashback rewards. Discover represented to me and other consumers that the 10 % cashback rewards would be automatically deposited into my cashback balance after spending and paying using the Discover card through XXXX up to a limit of {$10000.00}. 

With the information from their advertising and promotions, I subsequently spent {$11000.00} on my Discover Card using the method of XXXX. Discover subsequently only provided {$210.00} in cashback rewards, rather than the full {$1000.00} cashback rewards that would have been required under the terms of the 10 % XXXX cashback promotional offer. As a result, Discover did not deposit {$780.00} of cashback into my account. After the company was contacted, the company requested that I send receipts to prove that the purchases were not gift cards. 

I would like to clarify a couple of items. First, Discover seemingly added this additional condition retroactively into their promotion. Second, I communicated to Discover that the purchases ranged from electronics to medicine/personal purchases, and thus did in fact qualify for their promotion despite the retroactive addition of non eligibility clause for gift cards. 

Furthermore, Discover did not include in the terms of their promotion that receipts must be kept and sent to Discover for analysis. Several of these purchases were made months ago, and I do not have the original receipt. Furthermore, a significant percentage of the purchases included personal health spending and I informed Discover that I did not want to violate my own health privacy and disclose my healthcare related spending to them. 

Discover has refused to honor their promotion and has held the cashback amount. Discover has falsely advertised their promotion, caused undue burden on the consumer to provide receipts from months ago, and requested that I violate my own health privacy. Discover should not be allowed to conduct bait and switch tactics and false advertising tactics like this, and should be investigated. I want my cashback missing in the amount of {$780.00}.
Due to underemployment and XXXX XXXX XXXX and XXXX, my part-time work earnings could no longer pay my mortgage as of XX/XX/XXXX. I am seven months post-XXXX hearing and the judge on my case can not make a decision. I never dreamed I would be waiting this long for back pay owed me under XXXX after working full-time over 43 years of my life. I started collecting Social Security on XX/XX/XXXX which is helpful added to my part-time salary. SLS is the debt collector for XXXX who holds my mortgage. I applied and they denied me mortgage assistance this spring. I spoke with XXXX XXXX and participated in a lengthy financial counseling session with XXXX XXXX XXXX as advised. I also applied online and traveled to HUD on XXXX XXXX for a Home Keeper grant. While visiting my only surviving relative, SLS mailed threatening paperwork for a Trial Period Plan demanding payment of {$1100.00} byXX/XX/XXXX or my home would proceed to foreclosure. I found it odd that XXXX XXXX would be a deadline date in this country, but I called SLS that day after arriving home and no one answered or returned my call. When I spoke with XXXX, the newly assigned SLS Relationship Mgr. days later, she was abusive, threatening to assign a sale date to my home if I did n't cooperate. She said, and I quote : " You 're not taking this seriously. '' I was crying and in XXXX XXXX. I explained that I had a HUD meeting for a grant to cure my mortgage loan coming up on XXXX XXXX and she said government programs take a very long time, I 've seen many denied and just remember, get the money in by XXXX XXXX or your home is for sale. I spoke with XXXX XXXX and they told me to report XXXX. She is NOT the Sheriff and is NOT in a position to threaten to sell my home.
My account was closed on XXXX/XXXX/2012 due to suspected fraud activity in the amount of {$97.00}.
I was never notified of this and only discovered this information by accessing my XXXX XXXX report. When I have contacted the bank, they have no information on how I can resolve this issue.
Bank of America XXXX XXXX XXXX XXXX XXXX, MO XXXX
I attempted to file online with Transunion but their system would not allow me to enter my complaint issue. I sent a letter but have not heard back. There is an entry for a XXXX charge that we notified Transunion was incorrect back in 2012. It is still on my credit report. XXXX represents XXXX XXXX insurance. We have not had this insurance according to our agent, and according to our local agent all our insurance is paid and paid timely. This XXXX item on my credit report resulted in our local bank going up XXXX percentage points for the interest rate on a personal loan.
I had my mortgage through XXXX XXXX XXXX and was sold to Specialized Loan company. I have been unemployed since XXXX and have been going through the XXXX process since then. I have explained this to this company on multiple occassions. I was in a government program to help with my payments in hopes that my XXXX claim would be approved and I could maintain my payments on my own. After the program ended I filed for 2 modifications to help me keep my home. The first one was denied due to the fact they increased my payment to see if I could pay the new amount before the final modification was approved. The second was denied because my income was lowered and they said there was not a program I qualified for and that if I did n't make my account current they would start foreclosure proceedings. In XXXX XXXX I borrowed from everyone I could and came up with over {$4000.00} to save my home. I made the payment through my bank to them which was sent back. I called and questioned them and they said that since I was behind they could not do an automatic payment and said I had to do XXXX XXXX or a check over the phone for which they wanted to charge a fee. After I threw a fit they waived the fee. I then applied for a forebarence so that I could have some time to get a little breather to come up with money to stay current. I just found out today that they mailed the decison on XXXX/XXXX/XXXX and that they denied me because I did n't have a qualifying hardship. I do n't understand what that even means. I asked to talk to someone else that could explain to me why it was denied and was told that there was no one I could talk to and that the decison was final. But in the next breath the rep tells me that I could re-apply again if I chose to do so. What is the point? What is the point of degrading yourself to ask for help and they are not trying to help you keep your home? I absolutely can not stand this company. I do n't even know what else to do at this point.
It has only been a few years since  XXXX   XXXX  ;    XXXX   XXXX   XXXX   XXXX   XXXX    ; and   XXXX   XXXX   agreed to not conduct any further fraud upon the public.      XXXX  months ago our credit card was ordered to be closed and the balance was paid, in full as agreed upon.     However, in  XXXX  of this year    XXXX   XXXX   XXXX    began billing on the behalf of  XXXX   XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   for a renewal fee. I was out of the country and did not see the  XXXX  months of billings with finance charges in our mail.   XXXX   XXXX   was immediately contact and ordered to withdraw any negative reports to all   XXXX   credit bureaus ; immediately cancel any further billing and finance charges on a card that was no long open and useable ; immediately send a letter of apology from all three corporate offices. The only order completed was the discontinued billing and removal of any charges. The company continued to report adverse credit to all   XXXX   agencies.      XXXX   XXXX  has on occasion refused to answer phone calls transferred to a supervisor.     We feel these companies should be prosecuted criminally. Be advised we did not authorize electronic billing at any time.     Regards,   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , NM  XXXX   XXXX  Last  XXXX  numbers on the account :  XXXX
Experian is listing fraudulent and erroneous information on my credit report. Experian is listing XXXX fraudulent accounts, XXXX incorrect spelling of my name. Never signed my name like this, because it is not my name. Experian is listing XXXX addresses on my credit file, where I have never lived. I sent Experian and Identity Theft Report, to have all this fraudulent and erroneous information removed from my credit report. Experian still will not remove the information. According to the Fair Credit Reporting Act, once Experian received the Identity Theft Report, they were supposed to Block all this fraudulent information listed on my Identity Theft Report from showing on my credit report. Experian has violated the Fair Credit Reporting Act. 

No agreements or contracts exist, that contains my signature showing, I opened an account with these creditors. No lease or rental agreement exist, with my signature, showing I have lived at these places. Experian is knowingly listing this fraudulent information on my credit report. Please make them remove it. 

FRAUDULENT and ERRONEOUS INFORMATION that needs to be REMOVED 1. Name : XXXX. My name is XXXX 
2. Account : XXXX. Account Number : XXXX I have never signed any documents or agreements opening an account with this company. I sent Experian an Identity Theft Report, as they requested to block this information from showing on my credit report. Experian did nothing, but throw my documents in the trash. Experian is violating the Fair Credit Reporting Act on purpose. 
3. Account : XXXX. Account Number : XXXX I have never signed any documents or agreements opening an account with this company. I sent Experian an Identity Theft Report, as they requested to block this information from showing on my credit report. Experian did nothing, but throw my documents in the trash. Experian is violating the Fair Credit Reporting Act on purpose. 
4. Account : XXXX XXXX. Account Number : XXXX .... I have never signed any documents or agreements opening an account with this company. I sent Experian an Identity Theft Report, as they requested to block this information from showing on my credit report. Experian did nothing, but throw my documents in the trash. Experian is violating the Fair Credit Reporting Act on purpose. 
5. Account : XXXX XXXX. Account Number : XXXX .... I have never signed any documents or agreements opening an account with this company. I sent Experian an Identity Theft Report, as they requested to block this information from showing on my credit report. Experian did nothing, but throw my documents in the trash. Experian is violating the Fair Credit Reporting Act on purpose. 
FRAUDULENT ADDRESSES that need to be REMOVED 1. XXXX XXXX XXXX, XXXX XXXX XXXX. I have never lived here 2. XXXX XXXX XXXX XXXX XXXX. I have never lived here 3. XXXX XXXX, XXXX XXXX XXXX. I never lived here 4. XXXX XXXX XXXX XXXX. I never lived here 5. XXXX, XXXX XXXX XXXX. I never lived here 6. XXXX, XXXX XXXX XXXX. I never lived here. 

My address is : XXXX, XXXX XXXX XXXX. That is the only address that should be listed.
Applied for a XXXX  credit card in person at a XXXX location in XXXX XXXX on or about XX/XX/2018.Card is managed and issued by Bank of America . I was told by the agent at XXXX that if {$500.00} worth of purchases were made within ninety days of card issuing I would receive a {$150.00} statement credit. I was not aware or told at that time who was the credit card issuer. I did make the required purchases and only received {$75.00} in statement credit. Filed numerous disputes with Bank of America and was told that the card application had to be completed on line. I was NEVER told that by the agent at XXXX as she applied for me and the card was approved. I also received an email several weeks later inviting me to apply for a new card offering the {$150.00} statement credit. Very disappointed with these deceiving practices by either XXXX and/or Bank of America. I want what I was promised regardless of who made the offer.
Recently I purchased a house in XXXX, NJ and got a mortgage through Wells Fargo which included renovation dollars to fix the house. There are XXXX attachments to this submission, documents that I signed in XXXX and then the Renovation Loan Agreement and Rider which I signed at closing in XXXX. The problem is these documents contradict each other. For example, in the XXXX document it says the contractor is responsible for the work then in the Agreement signed at closing it says I am responsible. Which is it?? You will find where I commented on all the ways these documents contradict each other in the attachment of the documents I signed in XXXX. If I was presented with all these documents at the same time, I would have had serious questions but that was not the case. They made me sign them XXXX and a half months apart which I find extremely shady. So since these documents contradict XXXX another, which document am I supposed to follow. I am contacting the CFPB because Wells Fargo has been shady and I feel deceitful through this process. I want others to know about this and I want the behavior to stop. Last, I want Wells Fargo to clearly state which documents I am supposed to follow since they contradict each other. Is it the documents from XXXX or the Agreement I signed at closing? They can not have it both ways when documents contradict XXXX another. 

Please note ... the renovation loan is connected to my mortgage
Before XX/XX/XXXX I submitted a request on XXXX  website stating that I was having issues selling my bitcoins because my account was restricted. On XXXX XXXX I received an automated response in which it stated that it may take several days to respond. I waited a week and received no response to which I submitted another more detailed request to which I received another automated email on XX/XX/XXXX. The email stated that account lockouts and delayed payment or orders are there current priorities and if I am suffering from this issue that I need to respond to the email. Since I am experiencing an account lockout I responded and made a very detailed description and a screenshot of my issue to which I received no response. I am still unable to access my money.
I have had an SSN number and a credit card/cards for a year and 9 months now. XXXX  and XXXX have updated my credit score. Yet Equifax hasn't updated my score at all! I applied for an Auto Loan to buy a car immediately as I had moved to a different state. To my shock, they told me that my Equifax score was null and gave me an extremely high interest rate. When I called Equifax earlier today, the first guy said nothing can be done and hung up. When I called a second time, they said I had to mail copies of all my documents such as my SSN, passport, credit card statements or whatever to some address and wait for them to change it and just hung up on me. This is just pathetic and its costing me hundreds of dollars to commute to work. I just moved from XXXX to XXXX and this is my most unpleasant experience in the US. I guess this is expected from a organization which only last year, got hacked and exposed its customer 's confidential details to criminals. Thanks a lot for ruining my week Equifax!
XXXXRe : Equifax Credit Report of XXXX XXXX XXXX, XXXXI need your help to increase my credit score to where it rightfully should be so that I can qualify for better interest-rate terms. Currently, the credit reporting agencies are inaccurately reporting on my mortgage debt. I believe this adversely affects XXXX consumers ' credit scores ; and by design or not, greatly benefits the financial industry by their being able to justify charging consumers higher interest rates on consumer debt. 
Since XX/XX/XXXX I paid my mortgage on time. But the credit reporting agencies do not reflect reality. In fact, there is no history of me even having a mortgage prior to XX/XX/XXXX. This is inaccurate by omission. 
Paying one 's mortgage on-time for 15+ years is one of the best things to do to increase one 's credit score to qualify for record-low interest rates. 
My Equifax credit report does not show or give me credit for 15-plus years of paying my mortgage on time. Instead the only mention of my mortgage is a two-month period from one mortgage-service company in XX/XX/XXXX. And another 2-year period of on-time payments from another mortgage service company from XX/XX/XXXX-XX/XX/XXXX. That 's it. 
To remedy this error that has already cost me tens of thousands of dollars in higher interest rates and will continue to cost me in higher interest rates until this is corrected, I want the credit reporting agencies to report that I have paid my mortgage on time since XX/XX/XXXX. 
Thank you so much.
I have been trying to get modification for months and I have submitted the same documents over and over again. I have just learned that my house is scheduled to be foreclosed on XXXX XXXX, 2015.
I've had an account with Coinbase since early 2017 and on two occasions have blocked my account in error. The first time it took well over 4 months but at that time i had no money inside so i was very patient, they also at the time allowed you to withdrawal money from both your coinbase and XXXX account. This time around they blocked my account they didn't give me any access to my XXXX account. This has been like this for 3+ months now and they're email team gives no response as well as their phone service because they claim they cant do anything but answer the phone to say that they cant do anything. I have about 1500 usd that i have left their for 3 months. At this point its ridiculous and to top it all off the last time i called the over the phone to try and get help the young man over the phone said someone when i had called last time had marked my case as closed or resolved even though it wasn't. I do not understand how the people over the phone cant help you but they can mark the case as resolved.
My Name is XXXX XXXX XXXX This is the second time I have contacted your agency regarding the following information below. I am requesting that you promptly delete these addresses and inquiries immediately. I do not believe a proper investigation was done from my file through your office. Please remove the following addresses from my files I am not associated with them : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX   XXXX XXXXL, XXXX, GA XXXX I have had issues with my information being sent to these addresses and I do not live at any of these locations. 
My current and only address is : XXXX  XXXX XXXX, XXXX, GA XXXX I Have lived here for over 5 years
Citi Bank promotion reward not paid out as all requirements were met. Deposit {$15000.00} for 60 days, receive promo reward 90 days thereafter. I deposited the full amount in XXXX and was due the {$400.00} on XXXX XXXX. That amount has not been paid to me.
I send Transunion several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about five letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following account. XXXX XXXX account # XXXX. I Along with XXXX telephone numbers XXXX. XXXX. XXXX. XXXX. Also a few inquiries that I did not authorize. XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. I contacted the original creditor as suggested and have disputed these items but transunion is still reporting these unproven to be authorized alleged inquiries.
I applied for a home refinance loan at loandepot and after 5 months of having received conditional approvals, good appraisals and meeting FHA requirements my application has been denied because of the underwriters demand for a structural engineer report for my garage.
They are reporting that I have an account in witch I do not. I have asked several times to have it removed but the refuse to do so.
I have been paying for a long time 10+ years, it seems i can pay off my car faster than a student loan. I see no end to this madness!
In  XXXX    XXXX  , Transunion removed an account from my credit report due to its inaccuracy. Upon reviewing my credit report, it has come to my attention that this same account has reappeared on my credit report. I have also disputed this same account on numerous occasions and yet this account is still on my credit report. I am demanding that the account from national credit systems be removed from my report as it was done in  XXXX    XXXX   for its inaccuracy. This account is affecting me and hindering my family and I from moving forward. I have no knowledge of this debt/account and I have requested validation of this debt multiple times with no response whatsoever. Transunion added this account onto my report without any form of notification, to my understanding this is indeed a violation. I have attached proof that this account was indeed removed from my report.
My credit reports are frozen at my request ; however, once a year my bank, XXXX, is required by the federal government to request a credit report because of a large business loan. They use Trans Union. I called Trans Union and asked for a temporary lift for both my wife and me. I asked for a unique number to give to the bank which I received from Trans Union and I passed on to the bank. My banker called and said that the numbers did not work. I called Trans Union and the young lady who answered checked the information and said they should work " have the bank called the marketing department. '' I asked the young lady for the number to which he replied " the bank has the number and disconnected the call. This call was made during the timeframe the account was unfrozen. My banker could never retrieve my credit report. I went to the bank on XX/XX/XXXX and together we called Trans Union. After asking to speak with a supervisor, I was told that the problem was that the bank did n't have the right software to use the number that Trans Union gave me and " if I had called during the freeze they could 've done something about it but since the freeze had been placed back on the account I would have to pay the fee again. I did call during the freeze. And was not told anything about the numbers not working with particular banks. I was treated rudely and I have been forced to pay the {$20.00} again but something should be done about this kind of treatment. I resent having to pay to lift my credit twice when it was not my error but rather lack of information from Trans Union.