WillisBack/dataset-financial-user-claim huggingface dataset:
The card promised the benefit listed below but after payment of my {$75.00} annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

XXXX.Bonus Award Night : When you redeem Gold Points for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any Gold Points from your XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with Gold Points and is not valid with standard paid reservations or Points + Cash redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel XXXX early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no Gold Point or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional Gold Points in your XXXX XXXX account.
Hi my old account number = XXXX on my checking, and savings account, on my old documents to now, I owe = XXXX, XXXX $ from XXXX XXXX XXXX, I had a Co, that did = Theft & Fraud, etc to a Loan, and try to submit a Fake SSI Check, in my name from another Theft < Fraud, type, = The Loan was for = XXXX , and the Fake SSI Check, was in XXXX $ amount second Crime, Theft & Fraud, I would like my Financial losses Legaly Reimbursed, $ $ in the Amount of = XXXX $ asap Please and have the Names and Numbers, etc Criminal Docs shown legal Docs to me? The Group Thefted and frauded my Phone and Email at House Big $ $ and Mail I, m sure?
I was sent a promotional offer email from Prosper saying if I completed a loan offer before XX/XX/2018 that I would be eligible to receive a {$100.00} VISA giftcard. I  completed my loan offer and the loan was approved on XX/XX/2018. After about 6 weeks, I followed up on two different occasions with Prosper to get the status on the giftcard. They mentioned I was ineligible because I didn't follow a certain " link '' to finish my loan. This should be irrelevant as it was not mentioned in the email that a loan must completed in this manner and I still completed a loan by the deadline. 

I dispute the claim that I am ineligible because I did all things necessary in the instructions. I believe this to be a false advertising scam by the company I am submitting this complaint for them to resolve this matter and send me the {$100.00} giftcard that should have been sent by now
there is no sufficient information to support Equifax 's claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX/XXXX  ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX  ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX/XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,
Care Credit has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Phone call was received on XX/XX/2018 at XXXX XXXX PDT and there was reference to a debt owed by a deceased family member. I tried to speak with a representative but only got an answering machine. 

The company is called Resource Management Group and the number they called from is XXXX.
I was going over my credit report and I discovered that someone has taken out a XXXX XXXX / XXXX # XXXX. I have never been late on any of my accounts EVER! I have never done any business with XXXX XXXX / XXXX  nor do I have any contracts with them this is a fraudulent account. Someone ran up a account and never paid the bill in my name. I was moving back and forth from XXXX to XXXX and it may be possible I was compromised between the two cities. I Have filed a report with the CFPB and FTC. I have some old address that are not mine showing on my credit report as well XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX
New inquiries on my credit report that was inserted and removed and then reinserted without proper prior written notification XXXX XXXX XXXX XXXX XXXX  XXXX man XXXX on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX

XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX de XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX la XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ok XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ky XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXsc XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX i received my paypal credit statement but i did not open till XX/XX/XXXX and then when i checked them i was shocked that i have transaction that i did not recognise or Authorized and i called my paypal credit immediately to report the transaction that i did not Authorized all Cash advance transaction from XX/XX/XXXX that transaction is not made by me and i have not received any products or items from this transaction. i requested to closed and unlink my paypal credit to my paypal account. also already check my credit report and tried to report this incident to the credit bureau but i did not see this account and realized they don't report this kind of credit to the credit bureau.
I recently opened my credit report and discovered unknown accounts ; XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.
Portfolio Recovery Assoc, settled on XX/XX/XXXX for XXXX this account still shows on my credit report in collections.
I have submitted several disputes to Experian regarding XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. All these accounts are closed on my credit file and are reporting negatively. Experian is constantly stating the accounts were VERFIED/BELONGS TO ME, and the creditors have not provided any VALIDATION OF THESE ACCOUNTS. Also Experian has not provided me with any VALIDATION OF THESE ACCOUNTS. Experian constantly sends me an updated credit report that these accounts BELONGS TO ME. I requested from Experian what did the company VALIDATE with them, and I have repeatedly been ignored. Experian and the listed companies above have refused to provide a VALIDATION WITH A CONTRACT SIGNED BY MYSELF.
I received two notifications from XXXX and XXXX XXXX XXXX to remove from my credit file. Please see attached.
My ex husband added me to his  AMEX card as an authorized user before we were divorced ... .Amex will not remove this fir me.    XXXX   is also refusing to remove this. I am not responsible for this account
They repeatedly call my cell phone and my place of employment i have asked them not to call my job and they keep calling i had told them i will pay them this payday and they say they need it before that i have tryed to work out a payment plan with them and they are persistent on getting the money when they say i have been unemployed and havent had the money to pay them and i am 100 % that i will pay this debt i just started working and am only getting paid 2 times a month and they know this i am afraid if they keep harassing me at work they will cause me to lose my job
I am victim of fraud and someone stole my identity and got a cell phone in my name and i want my name to be clear up, Its sad i have to keep going thru this non sense
On XXXX/XXXX/15 I went to the XXXX XXXX XXXX and download the venmo app so that a friend could send me money. after I downloaded the app I link my XXXX XXXX XXXX account to the venmo account and successfully verified it by following the venmo procedures. To do this Venmo deposited {$0.00} and {$0.00} into my bank and withdraw it back out. So I transfer the {$250.00} my friend had sent me to my bank. venmo even sent me a notice saying my transfer was complete and the funds would arrive on the XXXX. The next day I look at venmo and see a notice saying my transfer had been cancelled and that the funds have been returned to my venmo but my balance was still XXXX dollars. The funds were n't in my bank either. So I wait to the XXXX to see if they would show up in my bank and they did n't. since then I 've sent about XXXX emails to XXXXXXXXXXXX and spent 10 days scouring the internet trying to find a number for this company. Instead I find a whole bunch of people who have been robbed and scammed out of their money just like me. I found these people on gethuman.com and on the venmo XXXX page. Some lost thousands some lost hundreds. I 'm attaching screenshots to prove everything I say but these are just a few others out of hundreds I found. Also I found another app square cash that 's also owned by paypal just like venmo and both companies are robbin people XXXX. I did eventually find a number XXXX and I left XXXX voicemails since Monday but no one has called me back and no one has responded to my emails except for the automated system saying that they receive my complaint and will check into it. I did get XXXX response say my account needed attention from another teen but they could n't provide me any more information. I just want my {$250.00} set to my bank.
Equifax 's lax data security led to vast amounts of my personal information being compromised.
In XXXX I purchased a home with my mom who had XXXX. I was her FPOA/HPOA at the time and I signed the mortgage documents for her. The home was held in her Trust, of which I was the Trustee. My dad had already passed and I am an only child. On XXXX/XXXX/XXXX my mom passed away. At this point I had been her caregiver for nearly 8 years, and had developed a XXXX ( XXXX ), so I filed for Social Security XXXX 2 months later ( XXXX XX/XX/XXXX ). I eventually was awarded XXXX, backdated to XX/XX/XXXX, but did not start receiving checks until XXXX of XX/XX/XXXX. In the 2 years between, I ended up behind on both my XXXX ( GMAC, now Ocwen ) and XXXX ( XXXX XXXX XXXX XXXX, now XXXX XXXX XXXX ) mortgages. Founders allowed me to bring my loan current XX/XX/XXXX, with a monthly payment of {$220.00} ( @ {$25000.00} @ 8 % ), and I 've paid on time every month since. Ocwen has given me the runaround for nearly 4 years now, and have actually foreclosed on their portion of my debt ( {$84000.00} on XXXX XXXX, XXXX in XXXX County Michigan ). I have worked very hard since XX/XX/XXXX to rebuild my credit score and now have it back up to the XXXX range, I have no other debts and XXXX has agreed that my income/cash flow is sufficient to repay both loans, which is my goal. 

My complaint is that Ocwen made a deal with me in XX/XX/XXXX to modify my original loan with a lower payment, and I made those payments on time for 6 months straight, but when they sent the forms to me to make the new payment permanent, they put them in my DECEASED MOTHER 'S NAME - 2YEARS AFTER HER PASSING! ( see attached ) I called them to correct this, but then all of a sudden they told me they could only talk to my mother because I was n't authorized on the loan! They also stopped accepting my payments in XX/XX/XXXX. This after I was the person who signed the original documents and had been discussing refinancing with them for nearly a year! So, I faxed what they asked for, but when I called back in, again they could n't find my fax, and gave me different numbers to fax to again. This happened multiple times over the entire year of XX/XX/XXXX, and by the time they would talk to me ( XX/XX/XXXX ), they had already started the foreclosure process. Then they sent me forms to sign, but they said I owed {$100000.00} ( THE ORIGINAL LOAN IN XXXX XX/XX/XXXX WAS ONLY {$100000.00} )! I agreed to repay the amount I owed as of XXXX XX/XX/XXXX ( when they stopped accepting my payments ), plus any escrow shortage, but they said I had to pay the whole amount they wanted, and still foreclosed - for {$84000.00}. I tried to refi with my local bank, but they ca n't loan /me the $ $ until XX/XX/XXXX as I was forced to file ChXXXX for unpaid doctor bills, and it was just discharged XXXX/XXXX/XXXX, which is the only reason they wont loan the $ $ today. I agree to pay what I owe, but not {$16000.00} more! Or, alternately, I need them to give me until XX/XX/XXXX or XX/XX/XXXX to get my financing from XXXX XXXX. Please help, otherwise I think I have to move by XXXX/XXXX/XXXX and I do n't want to lose the {$70000.00} equity that I have here! Thank you for your help. XXXX XXXX, Michigan
Navient has refused to discuss my options as my rate reduction program is coming to an end. I am unable to pay the amount they are requesting starting XX/XX/2018 and they are refusing to discuss or make available any repayment options. The amount they are demanding is so drastic to my already thin budget that it will negatively affect my life and ability to meet my other financial obligations. 

Please reach out to Navient on my behalf and express that their practices are unethical, unfair, and their treatment of their debtors is inhumane, inconsiderate, and unkind.
In XX/XX/2017 we filed our original lBR. In XX/XX/XXXX our income changed dramatically due to job loss. On XX/XX/XXXX we filed for a 30 forebearnce and re filed all paperwork to reflect this with A.E.S. On XX/XX/XXXX we were notified by mail that we did not submit all the paperwork to reflect my wifes income. We called them and the customer service agent told us that they were missing half of the paperwork that we faxed in. First, we mailed the paperwork. Second, they claimed to have pages 1,3,5 and 7. So pages 2,4 and 6 were on the back of these pages. We were also told that we have to hand write statements to coincide with the job loss. We were not told this before. We were not required to do this with our other 2 loan servicers. It also states in the IBR from the student loan website that you are NOT required to submit any additional paperwork stating this. It states this twice. We then FAXED and MAILED the paperwork again, within 24 hours. We requested another temporary forebearance to allow for this to be entered. We were denied. We were assured by the customer service agent and the manager on duty that this would not be necessary and they would fix the issue. On XX/XX/XXXX we received an email stating that we were 5 days behind on payments and now facing the possibility of default. We have not even been told what our new payment is or if we qualified for a lower payment due to the new IBR paperwork. It also threatens to report to the credit bureau. This company is constantly finding ways to threaten us with this and they are never timely on their end, or they misplace paperwork that is given to them. We also have loan amounts that are 3X the original amounts due to them constantly changing the interest rates.
My FICO score provided by XXXX XXXX XXXX does not reflect my good payment history. My score during XX/XX/XXXX - XX/XX/XXXX was XXXX and was lowered to XXXX during XX/XX/XXXX - XX/XX/XXXX. The most recent score for XX/XX/XXXX was downgraded to XXXX despite the fact that I 've never had one single late payment on my credit card since XX/XX/XXXX. I 've called XXXX XXXX XXXX and they confirmed my impeccable payment history but could not explain why my FICO score got lower.
I have file fraud on my credit report agencies. I worked with XXXX and XXXX  and they have agreed with all information that the creditors and I provided and all false - fraudulent mark have been removed. XXXX is unwilling to remove final mark from XXXX XXXX XXXX XXXX for the amount of {$14.00}, XXXX. This fraudulent mark has been fault with the creditor and Equifax for over two years. XXXX XXXX XXXX XXXX reported to Equifax to remove debt and fraudulent remark from my credit which showed up on XXXX XXXX and I provided a screen shot to Equifax and they still refuse to remove the derogatory false remark. I am in the process to purchase a new home but because Equifax refuses to remove the fraudulent mark of the report I will not get the loan. I refuse to allow Equifax to hold me hostile by refusing to remove mark of report and need the CFPB assistance.
I am writing to inform you that Perfection Collection LLC has placed information on my credit file even though I had disputed them within 30 days. They are a third party debt collector and I have not contract of agreement with them. They continue to report the negative information on my file as if I have a current account with them. The account was sold to them in XX/XX/2009, and was discharged in a Chapter XXXX filing.
I received my credit card statement today, and noticed that the minimum payment due had increased by 5 %, rather than decrease as anyone would expect ; given that there were no new charges, late fees, or APR increases. I called the company and was told that it was because I had only made the minimum payment due, which is mathematically inconceivable : If the interest does n't change and the balance is reduced, the payment due should be reduced too. I spoke with a supervisor who did understand that something was irregular about the situation, but did n't have any way of correcting it immediately, she said she would bring it up in their next meeting. This does not help me or the XXXX people, rich or poor, that are being subjected to usury credit card formula 's by Synchrony Bank.
I have settled my debt with these companies and they are still listed on my credit report. Some are as old as XXXX. I owe no money and am trying so hard to repair my credit. I have 1 credit card and a car payment now but my history still haunts me. Please help me.
We had trouble paying our mortgage after our trial modification because of problems with getting paid through the commonwealth of Massachusetts. The my father got very sick and has since passed away do I could n't not work. So we applied for the making homes affordable tier XXXX. Of course ocwen is dragging their feet and have put us into foreclosure. They keep requesting new paperwork. We received a bill stating that if we paid the {$15000.00} in back payments we could be reinstated. We can do this when we get my fathers life insurance but that takes a month. Now we have real estate agents calling us constantly and putting our house up on a website for foreclosure ls. All of this is happening while trying to morn my fathers recent passing.