WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a rewards card with Capital One. They advertised that if you charge {$3000.00} within three months of opening an account, that you receive XXXX rewards miles. See link for that advertisement at https : //www.capitalone.comXXXX. I received my card on XXXX XXXX and started using it right away. I reached the {$3000.00} goal on a XXXX/XXXX/XXXX charge. When I inquired today, XXXX XXXX, XXXX, why I had n't yet received my rewards miles, they told me that they considered the account to be opened on the date I applied for the card which was on or about XXXX XXXX! It did n't matter that it was n't received or activated until XXXX XXXX. If what they are saying is correct, then you really do n't have three month 's to reach the {$3000.00} goal because it takes them two weeks to send you the card! No place on their advertisement did it say that the three months started when you applied. And if they do have it somewhere, it is VERY WELL hidden! 

I 've had many rewards cards before and this was NEVER the case. An account does n't exist until your card is received and activated. The XXXX in rewards is supposed to be worth {$400.00} and they now say I am entitled to nothing.
I am unable to transfer money from my XXXX XXXX XXXX accounts to XXXX.
I was induced to switch from a no fee card to a fee based card upon the promise that I would be eligible for a promotional offer, which included awarding me XXXX airline miles if I spent {$3000.00} within the first three months of having the card. I satisfied the terms of the offer but the credit card company, Citi, is not honoring their promises to me. In fact, I called them several time about this and they originally said that they would review the call I had with the sales representative and honor their promise if that is what they told me. Later, they changed their mind and stated they would only make a decision about whether or not they would honor the promise that induced me to switch after I spent the {$3000.00} and qualified. I did as they asked and spent the {$3000.00} and then they said that they decided to not provide me the bonus points. Their actions were fraudulent and misleading. It caused me to forgo other offers and not use cards with better rewards.
They have called my minor childs cellphone stating they have her social security number and they will cause harm to her credit. They have contact my employer which is going to cause write up. To be placed in my employee file
Paid my mortgage in full, by wire transfer on XXXX XXXX, 2016. Ocwen has failed to submit document ( Deed ) of Reconveyance to our ( California ) XXXX County Clerk 's Office. Phone calls to ocwen offer no acceptable reason for their delay in filing.
Out of nowhere American Express added XXXX accounts to my credit history, proof attached in original dispute/ complaint. My request was that they remove XXXX of these accounts as I did not personally guarantee them. They stated I did but to date have not sent me signed original applications for this supposed credit. All I want is original applications for credit showing that I personally guaranteed them, which I know they ca n't provide. That said I also want these accounts removed from credit history.
In XX/XX/XXXX, I had closed a checking/savings account at US BANK with XXXX and reopened new accounts due to suspected fraud. I had explained to the banker ( s ) that we had Automatic Payments coming from the 'old account ' via either ACH, Check, or Debit Card Number ( s ) that we possibly could cancel or change if needed, but was reassured that they had all the notes in the account and any payments that attempted to pull from the old account prior to the date of close, would pull from the new account ( s ) with no issues. They did tell us that we still had to set up new automatic payments with each company for any future payments, but any prior ones to that day would go through without a problem. They were Wrong. Every payment made from that account was returned, Including the credit card payment that was to be made to my US Bank Credit Card in XX/XX/XXXX. US Bank Did eventually reverse any and all late payment fee 's associated with this error, but apparently did NOT fix the incorrect late payment information they had sent to the credit reporting agencies. Now, we are currently looking to proceed with an application for a mortgage but due to these two wrongly reported late payments, it has dropped my credit score significantly enough to not allow us to proceed. 
On XX/XX/XXXX, I had spoke to XXXX from US BANK via phone about this matter, because he was the person whom I worked with initially on this issue and told XXXX that my wife, would be in touch via email to discus/receive the necessary documents to allow us to proceed with the dispute process. He agreed, and said we would be in touch. My wife emailed XXXX XXXX from U.S. Bank, XXXX XXXX, WI XXXX XXXX Branch, On the same Day in regard to the misinformation that was reported to the credit bureaus from U.S. Bank ; two late payments from XX/XX/XXXX and XX/XX/XXXX. When she did not hear from him by XX/XX/XXXX, she sent another email to XXXX, asking if he had received the prior email. On XX/XX/XXXX, He responded, saying that he had been on vacation and that he would try to get to it that day. She responded that same day to acknowledge she received that email. After never hearing back from XXXX, she tried emailing again on XX/XX/XXXX, asking for his cooperation with this matter, but still have n't heard back. I have tried calling him as well, but have n't gotten through to him or his voicemail.
In the last 60 days I've been garnished by this XXXX XXXX of s total sum amount of $XXXX, every single month since I've had this loan they've been adding $XXXX every single month to the balance since the date of voluntary repossession of XXXX17. Now they are garnishing me again knowing I am a single mother also XXXX XXXX of XXXX XXXX children and I have left emails but the company manager is so unprofessional he just forwards my email rather than giving me an immediate response. I have had this same balance for three years and they are the most fraudulent sub prime lender out here. Ive paid over $XXXX XXXX  for a $XXXX   loan and why does my balance still reflect $XXXX? Where I started? XXXX XXXX are not following correct practices have never showed me no evidence of the repo sale nor a detailed billing of my entire account I requested since I first had this loan. They are a joke to consumers ripping off subprime consumers. I have other coworkers who are also with credit concepts who have showed me evidence of their wrongdoings and we are all going to take this to Attorney general.
On XXXX/XXXX/XXXX, I pulled my credit report from TransUnion and found that TU XXXX conducted an inquiry without my written authorization on XXXX/XXXX/XXXX. Refer to page XXXX of enclosures submitted. Another inquiry was made on XXXX/XXXX/XXXX by Transunion XXXX with my first name that is not spelled correctly. Refer to page XXXX of enclosures submitted. I did not authorize this inquiry. Furthermore, I did not subscribe to this service at all-Period. I believe that is inquiry involves fraud and that this entity doing business as TU XXXX is not legitimate. I wrote a letter to this entity dated XXXX/XXXX/XXXX. Refer to page XXXX of enclosures. I received a letter dated XXXX/XXXX/XXXX from Transunion XXXX. Refer to XXXX XXXX of enclosures. I did not apply for a loan or a credit card. I simply pulled a credit report and that is all. First of all, I want to know if this entity is a legitimate business and second, they do not have my expressed written authorization to conduct a soft inquiry with my expressed written consent. They have no business conducting a soft inquiry for no reason and claim that I had signed up for it. Especially, with no signed contract or my expressed written authorization. My financial information is not available for sale, distributed, faxed, e-mailed, stored in a retrieval system, sent to a third-party without my expressed written consent. Transunion XXXX also known as XXXX or XXXX is not authorized to resell any and all of my information-Period.
Incorrect address listed on my credit report. I have never lived at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. Only lived in XXXX California in XXXX, XXXX XXXX, XXXX and XXXX California.
The Harvard Collection Service claimed to be collecting for Illinois Dept of Revenue. I spoke with XXXX XXXX on XX/XX/2014. She called at all hours of the day and night. She demanded on the date I provided that if I do n't agree to a payment plan that very day they would seize my XXXX Ford f-150 truck. I had just been released from the hospital and was too weak to even hold a phone myself, so my poor wife also exhausted from all we had been through recovering from XXXX and slow progression from that state had to hold the phone to my ear. I had to deal with this persons threats! I was shaking so hard I feared I would was going to have another XXXX XXXX, I explained my health crisis but all she cared about was collecting. I lost everything and explained, all I have left is a {$650.00} credit limit credit card to buy food with. She did n't care and forced us into a payment plan. I honestly just wanted the harassment to stop! We could n't afford to lose our only reliable vehicle and feeling hand cuffed we entered an arrangement under severe duress!
I started using Greenpath services in XX/XX/2016. I spoke with a representative ( XXXX XXXX ), and she went over everything on my credit report and told me they would reach out to each one of my creditors and get an agreed amount that they would pay each month. I informed her that I get paid on the XX/XX/XXXX of each month, and that's when they could take my payments. At no time did she or anyone else tell me that because my husband and I signed on together that they would pay his debts with my payments. My husband had his set amount coming out of the account at a different date. 
I started noticing calls and late payments on all my accounts and I couldn't understand because I was paying, so I thought my creditors had it wrong. A few months later I was still receiving calls, and I decided to give greenpath a call. They informed me that because my husband missed his payment, that my money went to his bills and not mine!!! No one ever informed me that this was happening. They then told me I would need to separate my account from his, which I did. That still has not stopped me from getting all of these late payments on my credit. I'm attaching all documents I signed with them as well as proof of me paying every single month on time. I've never had any late payments on my credit, and now my credit is ruined. My good credit is needed to keep my security clearance at work and I explained all of this before I started with them. Greenpath really needs to fix this mistake and remove any late payments on my credit reports from XX/XX/2016 to current. I'm in no way at fault for my credit being ruined, and this has affected me tremendously.
I have tried to place a freeze on my credit four times now using the Experian website on this day XXXX/2017. Each time they have declined my request and told me to send them something by mail. I can not find a customer support line to resolve this issue. Considering the XXXX breach, I would think being able to place a credit freeze would be simple enough. Both XXXX and XXXX have allowed me to do so without much hassle.
My student loan provider is Navient. Surprise, everybody hates them and complains about them. 

My father ( co-signer ) and myself talk to them this time every year about renewing my repayment plan for the year. As of early last year my mother was diagnosed with XXXX, we had more medical bills coming in, we both had to work less and SOMEHOW navient INCREASED our monthly payment to {$440.00} and it used to be around {$420.00}. My dad 's salary did not even increase that year. They were not sensitive to the matter at all and did not do a thing. Just said this is the best we can do and we cant lower it anymore. And of course they pulled the " oh well let me talk to my supervisor and ill see what we can do. '' No, they never help. They just make you wait longer to hear the same amount they gave you before. This year I am currently unemployed to help my parents around the house and take care of my mother. My dad is beginning to wear out and can not work as much. 

Please help. I read all of the complaints and allegations against navient. I whole heartedly agree. They don't care about the status of your life or income. I think an IDR plan is just a bunch of XXXX. Because there is no way my payments should be {$440.00} even if my dad makes a decent amount of money. 

I've gotten firm with them. I've explained our situations and lack of income. They don't care. Worst private loan providers ever.
I've tried to retrieve my credit do data matches. Also I've tried to set up gas and electricity but I've had to pay large deposit amounts because they can't find me with the credit agencies in particularly Experian. I've sent my Picture ID 's Social Security and other identifying documents and I just can't seem to be able to resolve this matter. I set up XXXX XXXX  and they also dont show any information related to my score or credit history.
i acquired the debt in a divorce and filed bankruptcy chapter XXXX.the debt is from 2009 and in the state of Louisiana statue of limitations is XXXX years which makes this a time-barred debt.bureaus investment group, llc.XXXX no XXXX did n't send in a claim to the u.s. bankruptcy courts and has filed a suite against my ex.i have read up on certain laws and found that they have violated the fdcpa by attempting to sue for a time-barred debt as well as not complying to the Louisiana statue of limitations and have put them selves in contempt of court as pursuant to the u.s. bankruptcy automatic stay.
Received email from lender stating that they were going to sue me and inform my employer and I was only 2 days late. Here are their words : " Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. ''
I received my XXXX degree in XX/XX/XXXX. I began paying monthly installments on my student loan sixty days later. In XX/XX/XXXX, I received a XXXX certificate and I consequently took out another student loan. In XX/XX/XXXX, I was having financial difficulties. I called to see if my payments could be reduced. They said i needed to consolidate my students loans in order to make the payments lower. 
Today, I still owe {$12000.00} and I still need to make 7 more years of student loan payments to this loan. I would have never agreed to consolidating my student loans had I been properly informed by the lender that the lower payments would equal more payments ( extended period of time ) and more interest paid : I would have never agreed to consolidation. I do not feel I was properly informed about the disadvantages of consolidation on the phone at the the time of asking for help with lowering my payments. I feel that I was pushed into the consolidation program without receiving complete information about the program or given time to consider the action. 
Now, I am applying for a XXXX plus loan and my prior student loan history is weighing heavily negatively against me and effecting my chances of receiving my XXXX plus loan. I have been accepted to start an XXXX program in XX/XX/XXXX. I will focus on XXXX and plan to work towards my XXXX after graduation. My student advisor emailed me yesterday : he said if i can not get my XXXX student loan, I should consider not accepting the XXXX program in XX/XX/XXXX. 
I want to become a XXXX more than anything.I was affected by my mother 's XXXX at a young age. I am a single woman and I need to support myself. Additionally, I am my mother 's primary caretaker. I need this XXXX education in order to help the children XXXX reach a healing point. 
XXXX XXXX XXXX University and University XXXX XXXX XXXX
XXXX online opt-out malfunctioning. No other option for online communication availabile ( no help email/messaging ). 

Repeatedly unable to get past improper format message despite answers being a ) from their own drop down menu and b ) correct zip code. See screen shot.
XX/XX/XXXX at XXXX XXXX I received the following Email : Title : Do n't Forget : Earn XXXX Membership Rewards ( R ) Points Dear XXXX, This is a reminder that you can earn XXXX Membership Rewards Points after you spend {$2000.00} in eligible purchases on the Card between XX/XX/XXXX and XXXX/XXXX/XXXX as part of your original welcome bonus offer when you received your Card. 

Points will be credited to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement. 

If you have any questions, please call the number on the back of your Card. 

Thank you for your Card Membership, American Express Customer Care So I spent more than XXXX later but did not received the claimed bonus. After I contacted more than 3 representative, they said the date was not correct. The spending frame should actually start from XX/XX/XXXX. So they suggested me to spend another XXXX, instead of righting their wrongs : issue the bonus to me right away. One of them even claimed it was my fault for reading terms when I opened the account. I think Amex should admit their mistakes and compensate their customer instead of stimulating him to spend more on their product. After I spent long time arguing with them, they agreed to open an " internal investigation '' and wanted me check with them in 6-8 weeks. 

I had some bad experience with the so called investigation on a different issue : last time one representative told me to come back in one week for a satisfactory answer. I did but was only told by another representative no result yet. I kept doing this for two months, wasted a lot of time, and eventually gave up. Even today I still did n't get any result. So this time I suggested the agent to send me an email once there was any result but the agent said they are not able to do that. I really do n't want to waste my time waiting on a void answer. Wanted to say something more and the chat got disconnected, again! I tried to contact them earlier and it got disconnected too after I spent a lot of time explaining this issue. 

So I decide to stop wasting my time and finally file a complaint here. I think Amex 's attitude is problematic.
I received a bill from XXXX over a year ago. They had not filed insurance on two bills. So I called and asked them to file the insurance and they said they would. They filed insurance on one but not the other. I called them back and paid the one that was filed with insurance. I asked them to file the other one. I received a 3rd bill where they had not filed insurance. I called them back and asked them to file again. I then received a letter from a collection agency. I called them and told them that the insurance was not filed and they sent back to XXXX to file insurance. It was sent to another collection agency. I called them and told them the same. It was sent back to XXXX again. XXXX then waited several months and sent to another collection agency. I called them and told them the same. They contacted XXXX and XXXX said that it was past the 120 days they could not file insurance. I told them I was willing to pay the 20 percent of the XXXX but I would not pay the full amount because it was their mistake I did not hear from them until now. They have sent it to collections again.
I had a crdeit card that was open under my name which was fraudelent.

i reached out to the credit card company in which they are affiliate with two other companies. They did an investigation and sent me a letter stating that the account was fraudelent. but the biggest problem i have now is that a hard inquiry is on my credit report.

ive been fighting with them to resolve this issue but it seems that Transunion and the credit card company keep blaming each other of the error.

the other two credit bureaus delete the item off my report. But Trans union refuse because of the letter i received from the credit card has a different name from the inquiry that is post on my account.

Neither of them is taking blame for this error.

i also wrote you as well about this incident and you forward it to the FDIC in which its not their field. i have a problem with the credit bureau ( TRANS UNION ), not the bank credit card name : XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX
NationStar is false reporting on my credit file and/ or consumer reports. They fail to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and fail to conduct reasonable reinvestigations with respect to such information. They are in violation of XXXX XXXX XXXX.
I opened a checking account at HSBC back in XX/XX/2016 when it had a promotion that the bank would give me {$350.00} when I keep my balance above {$1500.00} everyday and use the bank 's Bill Pay function at least twice a month for three months within the first 120 days after the account has opened. I met all the requirements but I do n't see my reward. I have contacted the bank twice with email and once with phone but still no money.
This account was sold to a collection agency disputed & removed by the original creditor due to theft this account is Not mine, both companies have received a theft report but Portfolio recovery reported to my credit & sent no info to me or my attorney when requested a signed contract with the original creditor. I have no contract with Portfolio recovery also account with this company I am demanding this fraudulent account removed from my credit. I called spoke with a collector XX/XX/XXXX at XXXX XXXX XXXX XXXX & was given no mini Maranda which is required by the FDCPA {$1000.00} violation. Called again XX/XX/XXXX XXXX s/w another collection no Mini Miranda ( violation ) I was told they found my theft report but doesn't see the page with this account only the other account they removed? Both where on the same police report & theft report