WillisBack/dataset-financial-user-claim huggingface dataset:
I have a Citibank Credit card and my minimum balance was due by the XX/XX/XXXX.

I made a payment earlier in the day, but needed to deposit money into my checking account before I could make my final {$300.00} payment.

I live in California along with almost 40 million other people.

The United States has a system of time zones and California is 3 hrs behind Eastern time.

I tried to make my payment online and it was telling me it was the XX/XX/XXXX when in fact it was still the XX/XX/XXXX in California - so I didn't pay online.

I called Citibank XXXX around XXXX XXXX  and asked to speak to the supervisor and brought up this problem - they told me that my card agreement has the time due as being midnight eastern time on the date due - I then asked to speak to a supervisor in the United States and spoke with someone - he took my payment using my bank routing number and acct number but advised that the payment is listed as being made on the XXXX. He did waive the late fee.

My contention, regardless of the written agreement, is that 40 million people are being discriminated against by being forced to make their payment 3 hrs earlier than clients on the eastern coast are allowed to - this is unfair to 40 million people.

Can you please work towards forcing banks and other financial companies to regognize the time zones of the country and class payments made by midnight in the local time zone as having been made on time regardless of what their system says.

Thank you for your attention to this matter. XXXX XXXX XXXX, CA XXXX.
I have contacted Transunion about inaccuracies on my report since XXXX 2017. I have sent letters, called in and I have yet to receive any updates or responses back. I recently called in and spoke with a supervisor and he was very abrupt and not willing to assist me with my issue. There are several inquiries as well as payments posting inaccurate. He kept cutting me off and saying that there is nothing wrong when I am telling him there is. There were wrong addresses, names and other things. I want this removed from my report immediately as this is unfair and they are reporting bad information.
I have a paypal account with a credit card on the account. And yet, when I sent a payment to an individual via paypal, they decided to send the bill to a credit collection agency ( XXXX XXXX ) since I do n't want to give paypal my banking information. A collection agency that is never open by the way. And whose website does n't work so I ca n't pay this ridiculous charge with them. And paypal has closed off my account so I ca n't pay them directly or even contact them directly. This has cost me hours of time and anguish because the paypal process is completely inefficient. Paypal never contacted me about the charge that I assumed would be covered by my credit card on file. This seems to be paypal 's standard operating procedure. If you search for " paypal collection agency '' on XXXX, you will see numerous other people with the same problem. Just trying to pay the bill and clear my credit with paypal has taken hours of my time and I still ca n't reach anyone at paypal or their collection agency to get any resolution. The paypal firewall to block their own users from fixing an issue is the most concerning problem. Thank you
In regards to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. I filed for a late payment verification over the phone and thru certified mail. Both times came back as verified accurate. When I made on time payments and never missed but XXXX XXXX continues to report inaccurately, I 've asked them to show me proof and validate there late payment claim, when I paid on time and there 's no records. When I have asked to see - they have never shown me. I 'm so upset that I know no other remedy but to file a complaint about this situation, apparently they had a system glitch around that time or human error was made on there part and they will not remove the late payment.
Recently I received a copy of my credit report, upon reviewing my credit report I noticed XXXX XXXX XXXX XXXX had reported derogatory remarks to my credit report, XXXX hadn't sent any notice and failed to apprise me of, and afford me of my right to dispute and challenge such negative information being communicated to any third persons, per 15 USC 1681s 2 ( a ) ( 7 ). I had no knowledge of this account neither did I have an account with XXXX XXXX XXXX XXXX. 

On XX/XX/2018 in a good faith effort I sent XXXX XXXX XXXX   XXXX a debt validation letter in accordance to Texas Finance Code 392.202 ( see attached validation request ). On XX/XX/2018 and again on XX/XX/2018 XXXX XXXX XXXX   XXXX sent me a computer generated printout as an alleged verification of the alleged debt XXXX XXXX XXXX XXXX   alleges I owe, ( see attached printout ). 

On XX/XX/2018 I again communicated with XXXX XXXX XXXX XXXX via Certified Mail, ( see attached letter ),  exercising my rights under 15 USC 1692g ( a ) ( 5 ) I requested the name and address of the original creditor, my request for the information of the original creditor is not time barred and XXXX XXXX XXXX XXXX willful noncompliance has hindered my rights to obtain information of this alleged debt.
In  XXXX  of  XXXX  I applied for an apartment. I was informed a debt for  XXXX   XXXX   XXXX  appeared for an amount of  XXXX  $ through ERC debt collection. I have n't had any  XXXX   XXXX   XXXX  services for a good number of years so I assumed it was fraud since it showed it was placed on my credit  XXXX  of  XXXX . Upon talking to  XXXX   XXXX   XXXX , the debt is from  XXXX . It 's  7 years old a nd ERC is attempting to report it as if it were recent. I was never informed via mail of this action and only found out when I nearly became homeless from this credit reporting issue. The situation became extremely stressful as I have  XXXX  kids,  XXXX  of which is  XXXX  and we needed immediate housing.
We obtained a boat loan in XX/XX/XXXX thru XXXX XXXX based in XXXX, TX who is now defunct. The loan was transferred to Volvo Car Finance North America. The loan was paid off in XX/XX/XXXX. In XX/XX/XXXX, I need to sell or give the boat and trailer to charity and need a clear title to the trailer.The Virginia DMV will not give me a clear title because the title is registered to XXXX. I have called the XXXX number listed on a bill from XX/XX/XXXX since XX/XX/XXXX and have not gotten any results. Volvo will give me a no interest letter, but it does not explain how Volvo obtained the loan and where is XXXX. DMV will not give me a title without that explanation & Volvo refuses to do so. They claim they never heard of XXXX, do n't know how they got the loan ... But we paid our money to XXXX for years, so obviously if we had been in default they would have found a title to sell it with. My last 2 contacts in XX/XX/XXXX have been with a XXXX and a XXXX at the phone number listed on the bill. Every time I call I may get a call center in Tennessee or Nebraska. I spoke to those 2 in Tennessee because the 2 release letters I did get were from the address listed in complaint form. The following is what the VA DMV needs for me to get the title '' Submit evidence to DMV that a lien release can not be obtained from the lienholder due to the lender going out of business, merging with, or being taken over by another business, along with evidence that the lien has been satisfied. Evidence of lien satisfaction may include, but is not limited to the following : For lenders that are merged with, or taken over by another company/corporation/or lender, customer must include a lien release for the vehicle from the company/corporation/or lender with whom merged and supporting documentation linking the original lienholder with the merged or takeover lender. " DMV further explained : " Volvo Car Finance should be able to provide documentation of when they took over the lien or when they merged with the old lienholder or bought the company. If they ca n't provide that documentation, have them provide you a signed and dated letter on company letterhead stating that they are unable to provide the documentation of when or how the lien was acquired ''. My problem is that Volvo refuses to explain this. I can call them and give them the VIN number, my name & address and without so much as batting an eye, they will give me a release letter. How can they do that without knowing if they have a vested interest in the boat? But to get them to write how they acquired the loan, etc, they will not do. I have faxed to XXXX my supporting letter, my trailer registration, and a copy of the monthly bill from XX/XX/XXXX. That last occurred on XX/XX/XXXX to the fax number XXXX. I have heard nothing from XXXX or XXXX since XX/XX/XXXX. I need that title to the trailer as I am moving and wish to sell it or give it to charity. It has to move. Any help you can give is greatly appreciated.
I consolidated my Direct Loan in XX/XX/XXXX. They were my loan servicer for many years and I made my regular payments on time. The loans got assigned to XXXX XXXX in XX/XX/XXXX. I again made all of my regular payments. I am in the PSLF program so I had to transfer my loans to fedloan servicing. I kept meticulous records so when I asked for a summary of my payments that counted toward PSLF they were short many payments. They claimed that several payments occurred while I was unknowingly receiving a deferment so I filled out the paperwork and had those removed. My statements from XXXX throughout the first 6 months of XXXX showed 72 qualifying payments. In XX/XX/XXXX after they received my employment certification the monthly bill showed that I had made 84 qualifying payments. On XXXX XXXX, XXXX my bill now showed that I only had made 50 qualifying payments. No explanation was given. I called fedloan and they said it was a computer glitch and it would be fixed in 60 days. It was not. After many phone calls they finally said that it would be fixed in XX/XX/XXXX. On XX/XX/XXXX, I received a statement from them verifying that I had only made 65 payments with no explanation and no dates of the payments that didn't qualify, just a summary of my work experience and the total number of qualifying payments. After examining the document it appears that only XXXX payment from XX/XX/XXXX to XX/XX/XXXX counts toward PSLF, even though I made nearly two years of payments during that time. No reason was given. On the XX/XX/XXXX billing statement the 65 PSLF payments were reduced to 56 qualifying payments. Again no reason was given for the discrepancy. I have contacted them but their customer service agents did not have any answers. I tried to get a manager in the department that could help me but I was told they don't take phone calls. I am within two years of having my loans forgiven so I can only assume they are deliberately taking these payments away. Fortunately I have kept the necessary records and sending those in to you so that you can correct this. After researching XXXX online many other borrowers are having the same issues with missing payments so I believe this is a fraudulent practice and they should be removed as a servicer. I am attaching a summary of the payments to XXXX XXXX, XXXX XXXX ( XXXX ) and the fedloan summary. I am not sure which of the XXXX payments they took away that was previously approved by XXXX. While researching I found two additional payments that they missed before, the {$220.00} payment on XX/XX/XXXX to Direct Loans and the {$390.00} payment to XXXX XXXX on XX/XX/XXXX bringing the new total to 30 payments they are trying to take from my qualification. I am sending the documentation for those. As fedloan hasnt told me which of the other payments they are not counting I am sending their own summary of the payments that qualified previously with the documentation removing the deferments/forbearance that allowed those payments to qualify.
please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to XXXX but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX thank you
I have sent a letter to the debt buyer named  JH Portfolio   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MO  XXXX  I SAW THIS IN MY CREDIT REPORT CONTACTED THEM ASKING WHY I SEE IN MY SS THIS DEBT THEY DID NOT ANSWER I HAVE MAILED A LETTER REQUESTING VALIDATION OF DEBT THEY RECEIVED IT IN  XXXX   XXXX  BUT NEVER RESPONDES AS OF TODAY  XXXX / XXXX / 17  ATTACHED LETTER FOR DOCUMENTATION. STILL SHOWING ON  XXXX  BUREAUS NOTIFIED BUREAUS ABOUT DEBT STILL REPORTING DEBT THIS IS AN UNVERIFIED ACCOUNT IN MY REPORT HAS CONTACTED THE BUREAUS BUT THEY STILL SHOWING REPORTED POLICE REPORTS FOR ID THEFT GIVEN TO ALL BUREAUS AS WELL AS FTC ID THEFT AFFIDAVIT ALL DOCUMENTATION SUPPLIED TO THE BUREAUS COMPANY STILL SHOWING REPORTED
On   XX/XX/XXXX   I called  XXXX  to have them remove a debt that has been reported on my account since   XX/XX/XXXX . According to the Fair Credit Reporting Act, the credit reporting agencies need to follow the 7 year record   retention period of reporting any credit. During this phone call their dispute team representative "  XXXX  '' stated that she nor  XXXX  could remove this item. Knowing the laws and my rights, I was very unsettled to hear that  XXXX  does not look out for the consumer 's that they voluntarily report for. However, I also wanted to ensure that I was correct in my knowledge. So on  XX/XX/XXXX , I also spoke to the Attorney General 's  Office  of Colorado. During that phone call they did confirm that I was correct in my knowledge of the Fair Credit Reporting Act and that after 7 years of reporting a debt, it can no longer be reported. I would like for   XXXX   to stop reporting this de  bt ASAP according to Federal law.
<P/>  Account that is past this 7 year record retention is as follows :  XXXX   XXXX  Auto Finance Acct # :  XXXX  Original start date or reporting :   XX/XX/XXXX  Currently still on my credit report as of  XX/XX/XXXX  This same account is also being reported on Trans Union and  XXXX  with a start date for both of them  XX/XX/XXXX  I thank you for your time and look forward to hearing how you can help remove the said account   XXXX   XXXX
Discover Card announced the XXXX XXXX " promotion '' on XXXX XXXX 2015. The promotion promised " [ f ] rom XXXX XXXX, to the end of the year, cardmembers who pay with their Discover card using XXXX Pay will automatically earn an extra 10 % XXXX XXXX on up to {$10000.00} of in-store purchases. '' ( XXXX ) The details in their FAQ stated " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with Apple Pay now through XXXX/XXXX/15. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within 2 billing periods. See Cashback Bonus Program Terms and Conditions for more information. " The " Cashback Bonus '' terms incorporated by reference are quite straightforward with few caveats and available at : XXXXThere were no additional terms or conditions specified in any public documentation for the offer. Discover confirmed via customer service channels that the promotion was valid for all in-store purchases and stacked with their existing " Double All Cash Back Your First Year '' promotion that promises all cashback bonuses doubled for 12 months ( with rewards posting in the XXXX or XXXX billing cycle ) making the total bonus XXXX %. 

On or around XXXX XXXX 2015, Discover unilaterally added a sentence to some ( but not all ) public-facing content about the promotion stating simply " Excludes gift cards. " I have made many purchases using my Discover card with XXXX XXXX, and received emails stating " We 're writing to let you know that your XXXX purchase on XXXX XXXX, 2015 for {$500.00} at XXXX XXXX 's, A XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion. '' and " If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. " Nowhere in the original terms of the offer were gift cards excluded, and after the terms were modified ( which does not seem correct ), they did not say anything about requiring " documentation '' proving anything. To add insult to injury the transactions highlighted in the emails did not contain gift cards. When I asked Discover to honor the terms of their promotion, they refused and stated that I must provide receipts or authorize the merchant to provide receipts to them. Their request would constitute an invasion of privacy and they are still not honoring the terms of their promotion.
I had a Mortgage Loan with a bank, XXXX XXXX. This property was returned in foreclosure in 2013. It still appears as open accounts. They should be closed accounts now. XXXX XXXX went bankrupt and does not exist anymore.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following company I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA.
XXXX XXXX XXXX AMT {$1200.00} The above company has not provided an original signed contract with my signature and therefore MUST be deleted from my credit report immediately.
Due to poor lack of investigation and communication I 'm requesting that all of the account be DELETED from my credit report.
XXXX XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT XXXX XXXX ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I have sent letters via certified mail to Pioneer and have yet to recieve a response. This company is reporting negative information about me, yet refuses to respond. I have incurred XXXX in actual damages since their company has reported derragatory information about me and refuses to respond. 

Why must I spend so many countless hours trying to correct this companies mistakes? Please do not contact me by phone, please communicate by mail only ( Pioneer ) Additionally, both companies are double reporting on my Credit Report!!!
I applied for a XXXX XXXX XXXX credit card from Chase on XXXX/XXXX/2015. Due to a credit block I had previously initiated on my report there were additional verification steps I had to take before I could open the account. I was told I would receive correspondence in the mail with more information. Upon returning from vacation in early XXXX I opened the correspondence and completed the verification with a nice woman on the phone on XXXX/XXXX/2015. I 'm not sure how, but Chase was able to place a hard inquiry on my credit report on XXXX/XXXX/2015 even though it was supposed to be blocked. When I completed the verification on XXXX/XXXX/2015 Chase placed a second hard inquiry on my credit report in less than 30 days which has done some damage to my credit score and perceived creditworthiness. I called and talked to a representative regarding this issue and requested repeatedly that one of the inquiries be removed. Chases agent was adamant that Chase would not remove the second credit inquiry from my credit report because it was " Not done in error '' I understand that every inquiry is part of the process to review an application. While I did authorize Chase bank to run my credit report ONCE, they were somehow able to pull my credit information from XXXX prior to my authorization and a second time after my authorization. 

I dispute that I should have XXXX inquiries on my report for XXXX credit card application.
XXXX XXXX is showing a missed payment from XXXX of 2012 - payment was not missed or notified of missed payment.
They are calling and messaging me over 10x a day by phone and text messages and calling me from their cell phones and calling my friends and family talking about my debt. I have asked them over a month ago to stop calling me at my cell phone and was told they do n't have too..
I contacted the  XXXX  credit bureau to make updates on my credit report. However I have been getting the run around sending letter after letter to get updates with inquiry and address change. I have  one address as well as one com pany. I am employed with too.     My Home Address  XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I have been employed with the same company for  XXXX  years. I have been in contact with the  XXXX  credit bureau to make updates and correct everything from address updates to inquiry,  Negligent, Defamation, Please advise me on this matter..      Sincerely  XXXX   XXXX
Step 1 : What is this complaint about? 
fraud or discrimination or both Step 2 : What type of problem are you having? 
bank asking for personal information, ssn, when making a deposit Step 3 : What happened? 
XX/XX/2018 I went into usbank to deposit money into my sisters account. 
The teller said he needed my ID and I can only deposit upto XXXX. I gave him my ID and XXXX. He started inputting info into his computer. Then he asks me for my social security number. I asked why, he said it was their policy. I didnt understand this, as he already had my drivers licenes. So I called my sister to tell her what her bank was asking for and that I am not going to give it to them. While on the phone with my sister he then asks for my annual income and occupation. I said I am only making a deposit, I am not asking for anything else. The bank teller said it was policy. I then took my money and left. 
I feel as if the bank teller was either being discriminative or he was tring to open some kind of fraudlent account. 
A couple days later I contacted usbank on XXXX, I asked what their policy was on a non accouny holder depositing money for an account holder. They replied, I would have needed the acctount number, which I had, and that it can be upto XXXX. 
I then replied to them what happened at one of their branches. They then changed their story and said that the teller can ask for anything they want. 
My sisters called the customer service line and were told that the teller should not ask for any of that information when someone is making a deposit and to call the local branch. 
So here I am, writing a complaint hoping something will be done about this bank treating people like they are criminals or being a criminal them selves and getting away with it. 

Step 4 : What company is this complaint about? 
usbank
I get a judgement on my account who was posted on 2010 and still showing up twice with XXXX and Equifax. This need to be removed from my credit report.