WillisBack/dataset-financial-user-claim huggingface dataset:
Due to proven merging, or others with similar information or some entity deliberately creating a merging of information within the credit reporting agencies, I herein request that information be updated, deleted, and removed. 

Specifically in the listed name identification listed as XXXX XXXX XXXX, no lender or creditor specific to this consumer reports that name, but it is subject to the unfortunate merging process by merging what is XXXX XXXX XXXX, using the address of XXXX XXXX XXXX, XXXX, SC XXXX which isn't this consumer because his social security number is XXXX. and this consumer XXXX XXXX , the designated identification from the consumers issued social security card, and number which is XXXX. reporting the names creates a unintentional reporting of inaccurate information, and inaccurate inquiries. This information was gained from a collection call from XXXX XXXX credit card, which indicated that the persons or person utilized XXXX XXXX XXXX, XXXX, SC XXXX as their mailing address, while utilizing the above stated social security number, which isn't this consumer. 

Based upon the existence of these facts, and the consumer desire to prevent additional merging of information, and credit reporting, I hereby state that the removal of the following information, and placing it where it rightfully belong, will subjectively and permanently resolve the problem. 

Public Record : belongs to XXXX XXXX XXXX, XXXX, not XXXX XXXX XXXX. 
1. XXXX XXXX 2.US Bankruptcy proceeding XXXXdrd Additionally please remove address XXXX XXXX XXXX XXXX XXXX, SC XXXX and XXXX XXXX XXXX XXXX XXXX, SC XXXX, since it is apparent that the person or persons or entity using XXXX is using those addresses as well, and applying those addresses to this consumer creates the same likewise reporting, and merging.
SOURCE RECEIVABLES MNG XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. 
The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. This account was already Disputed with XXXX XXXX and XXXX on XX/XX/2017 SOURCE RECEIVABLES MNG XXXX
My late wife opened an account with Barclays Card for a XXXX XXXX rewards credit card. She used my name and information to open the account. She used the card and received and - supposedly - paid the statements, I never used the card or saw any statement from the account. My wife XXXX XXXX in XX/XX/XXXX. After she XXXX, I began going through financials and was receiving all of these credit card statements that I had not seen before or even knew about. I contacted Barclay to dispute the card but did not receive any response. I then hired an attorney to make a fraud dispute claim with Barclay in XX/XX/XXXX. My attorney contacted Barclay to issue the fraud claim and follow up on the claim on XX/XX/XXXX and requested a copy of the complete records and application for the account. On XX/XX/XXXX, Barclay mailed a copy of the credit application. The report provided by Barclay was a one page printout that only had basic information about me on it, including my name, DOB, income, mortgage expense, and address. There was no signature or anything else in that " application '' that could have been used as verification that I was the one opening the account. My attorney sent follow up correspondence to Barclay regarding our fraud claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclay has never responded to any of these letters, provided any response to our fraud claim, and continues to send monthly statements on this account. After my wife XXXX  away, the credit card has not been used, and I never used it at any point. I did not even learn that we had this account until after she XXXX XXXX. My attorney and I did make a telephone call to Barclay or its collection agency - I do not recall which as we were transferred around multiple times during the call. However, that call did not result in any meaningful response. This account and the excessive balance on the account has destroyed my credit score and has severely impacted my life. I have merely asked Barclay to close the account as fraud and wipe it from my credit report, but I have not received any amount of response or sign that they even investigated the claim.
I took out an auto loan from Santander in XXXX 2014. The loan has been in auto pay with no issues until last week. Last week I contacted them for the first time since I have had the loan and advised that I would not have the money available when the payment was scheduled to extract on the XXXX. The call center representative assured me that the payment would not extract, I even asked her if she was certain and she said " yes ''. When reviewing my bank account after the due date, I noticed that the payment had extracted from my bank account and I called Santander. I requested to speak with a supervisor who was not helpful at all. He stated he did n't know why the payment extracted but that he could refund it and I would have it back within 7 - 10 business days. I find that to be totally unacceptable and unfair to the me. As of today the payment still has not been refunded and I just called Santander again at XXXX EST and got a message that they are either closed or on the phone. At this point I do n't know what else to do other than ask for help from the CFPB, I have contacted Santander one time since accepting the loan from them almost two years ago, and asked one thing and they have failed the only thing I have asked them, this does not give me any confidence in them as a lender. Their poor service is causing me harm as I believed what they told me and anticipated that the funds would not extract. Obviously, I am not looking to not make the payment and I have never been as much as a day late with them, unfortunately I had some unplanned expenses come up and needed to pay a few days after the due date this month. I have attempted to contact them multiple times to try to resolve the issue, and I am either unable to reach them or when are unwilling to help when I do reach them.
Wells Fargo will not speak to me about the options open to me to modify or save my FHA mortgaged home. They tell me to have my lawyer contact their lawyer. I explain that I do not have a lawyer and can not afford to pay a lawyer. They then tell me to contact the lawyer : XXXX XXXX XXXX. I try to call them and can only reach a voice message that tells me to leave my name and contact information. I have done that several times but no one calls me back.
This company is reporting an account on my credit reports that they have refused to verify with me. The company is stating I owe money to XXXX when I do n't. I sent them a validation letter in XXXX 2015 and they responded back asking for more information to identify my account with. I provided them with my name, address, and even a copy of my credit report but informed them I would not be sending them my ssn through the mail for security reasons. They never responded. I sent them a XXXX follow-up letter to which they still never responded. Lastly I sent them a letter demanding removal of the item which they received on XXXX/XXXX/15 and they still have not removed the item but yet continue to verify this with the credit bureaus. This company is in clear violation of the law as they have 30 days to respond to my request for validation and they have yet to do so. I am considering legal action if this is not promptly resolved because it is damaging my credit. By law a company can not report an unverified debt and that is exactly what this company is doing.
Transunion constantly publishes and uses old and out of date balances on my accounts and credit cards to intentionally lower and negatively impact my credit score.
In XXXX 2015, Citibank was offering a XXXX AAdvantage mile promotion if you open a Citibank Checking Citigold Account Package, set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. I received several messages from Citibank stating that I was signed up for the promotion, met the minimum requirements, and that the miles will be processed to my account. However, after checking back with Citibank, I was told that " Unfortunately there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' This response was not consistent with the three messages I 've received from Citibank prior.
was charged exuberant deferred interest rate and offered to pay balance off as it had only been a few days since the charge happened and the company declined. ( XXXX months no interest ) seems like a very shady practice and there should be a reconciliation period. i should be able to pay off the balance and avoid this 30 % interest charge.
I paid off my car XX/XX/2015 and it shows up on my credit report as i have made no payments for the eight months i made payments or even paid it off.
To Consumer Financial Protection Bureau, I am submitting a claim related to deceptive business practices from American express regarding their membership reward program. 

On XXXX XXXX, I applied for an American Express platinum card with a sign up bonus of XXXX points after {$3000.00} in spend within 3 months. I was approved automatically. 
Since receiving this credit card, I spent a total of {$4100.00}. This include the {$450.00} annual fee for this card. I received {$200.00} in airline credit from American express as a benefit of the card, and {$25.00} for a special Amex offer for purchases made at a selected merchant. All my charges were paid on time to American Express. 

American Express posted XXXX membership reward points to my account on XXXX XXXX, as well as XXXX points for qualified spend earned for prior months. The earning rate for the qualified spend is at a rate of XXXX point per {$1.00}. On XXXX XXXX, American express reversed the sign up bonus with a debit transaction of XXXX American Express membership point. 

Upon discovery that the bonus points had disappeared, I called American express to inquire about it. XXXX, an American express customer service representative, assisted me with this matter, and upon further research, informed me that the reversal of the bonus points was due to several credit transactions that caused me to fall below the minimum spend requirements. She said this was due to the {$200.00} in airline credits I had received from American express. I argued this was not correct, and asked for a detailed explanation in writing. She said I should receive a letter from American express explaining this. I have not yet received any written communication from American express. 

I decided to further look into this myself and performed my own account reconciliation. Looking at my past transaction history, I realized that American Express 's reason for taking the bonus points was not valid, and that despite the {$220.00} in credit received year to date, I still met the {$3000.00} spending requirements. As you can see on my American Express membership points history, as of XXXX, I had earned XXXX American Express points at a rate of XXXX points per {$1.00} through regular spending, exceeding the {$3000.00} spend requirement for the bonus. None of the earned points through regular spending were credited back. 

I am requesting the help of CFPB to address this matter with American express and look for similar deceptive patterns from American Express with other customers. It is disappointing to see how this company is handling this issue. 

I am also requesting that American Express re-post the XXXX Membership points I have earned through qualified spending. 

Attachment Screen capture of application Screen capture of Membership reward account history Screen capture of account transactions for the first 90 days
XXXX XXXX - US Bank credit card -- false advertising! I am disappointed and angry about intentionally false and misleading advertising for the US Bank XXXX XXXX credit card. I was recently approved for, and paid the annual fee for, this credit card. The major benefit they advertise is a free night when making a reward reservation for cardholders. This was the reason I chose this card instead of a competitor like a XXXX credit card. Only a week after getting the card, I find out they have cancelled the benefit. Of course they were planning this while still advertising the benefit, to falsely induce more consumers into joining the card. They should be legally required to continue offering the benefit for all current cardholders, who relied on their promised benefits in signing up for the card.
On XX/XX/2019 I was approved for a Capital One Quicksilver credit card. Per their advertisement on the Capitalone.com website, a one time sign up bonus would be available to new card member ( s ) if you spend {$500.00} within ( 3 ) months of when the card was issued. As of XX/XX/2019 I had spent over the required amount of {$500.00} within the provided ( 3 ) month time frame. When calling Capital One to inquire on the sign up bonus after meeting the advertised requirement ( s ), I was advised that per their disclosure, previous or existing account holders maXXXX not qualify for the sign up bonus. I advised that I have never had a Quicksilver credit card before, and should be entitled to the sign up bonus as advertised. After a ( 5 ) day waiting period, I was called and advised that because I had a different Capital One card, that is being considered as an existing account holder. The Capital One Platinum card does not have any sign up bonus ( s ) or rewards associated with it, it is a completely separate entity. I advised that their disclosure states, previous or existing account holders under the Quicksilver terms, which would mean previous or existing account holders of a Quicksilver card/account, and no where in the terms for my Capital One Platinum card does it say that accounts will be linked, or having the Platinum card will deny me any future bonus ( s ) with the company. I feel mislead by the company into signing up for their Quicksilver card with miss-representation of their term ( s ) and the company is using the fact that I have a completely different card with separate terms as a way to not have to honor their advertisement.
I attended XXXX College in XXXX, CA from XX/XX/XXXX-XX/XX/XXXX. I took out a loan through XXXX XXXX who then sold my loan to UAS University Accounting Service , LLC . I would like to know if my loan was included in the CFPD settelement that was granted to some loans with XXXX XXXX.
I received my direct deposit on XXXX/XXXX/16, the amount was {$610.00}. I also deposited {$9.00} same day after that direct deposit from my XXXX account. The {$9.00} posted XXXX/XXXX/16, in order, it was sequenced and shown as right after the {$610.00} deposit. 

I went to Wells Fargo on XXXX/XXXX/16 and withdrew {$350.00} cash from a teller inside the bank. After this, I did not have a negative balance. Next, a telephone payment from XXXX XXXX XXXX I set up posted to account and shown as deducted on XXXX/XXXX/16, in the amount of {$140.00}. My account was not negative, I had enough money / available balance to cover that. When I logged into online banking it showed in order, right after the cash withdrawal on XXXX/XXXX/16, same day. 

On XXXX/XXXX/16 my other job 's direct deposit of {$910.00} came in and was part of my available balance. I went to the bank and saw a teller and withdrew {$830.00} cash of that. My account was not negative. After the withdrawal approx. {$50.00} was the available balance. 

Yesterday on XXXX/XXXX/16 I logged into online banking and saw my balance was negative, - {$24.00}. I allowed XXXX XXXX Bank to process a bank account payment of {$50.00} on XXXX/XXXX/16. 

But, Wells Fargo said the overdraft is from XXXX XXXX XXXX payment of {$140.00} and charged me a {$35.00} overdraft fee. I looked at the order of transactions and the only logical explanation is that they are re-ordering transactions to justify that, just off the simple chronological order of my transactions it is impossible that payment would cause this overdraft. That is unacceptable! 

Before I filled out this What happened? section of my complaint i logged into online banking again to review and I see I have now been charged another {$35.00} overdraft fee for the {$50.00} XXXX XXXX payment. But, online banking shows a deposit of {$34.00} from Well Fargo & Co Pln Pymt right after the aforementioned {$910.00} deposit, then a withdrawal of {$830.00}, next the {$50.00} XXXX XXXX payment, and lastly the {$35.00} XXXX XXXX overdraft fee. 

My current balance is - {$60.00}. 

Yesterday, when I decided to submit a complaint it was because they were re-ordering the transactions not in their true order to justify the {$35.00} overdraft fee for my XXXX XXXX XXXX payment. Instead, now I am including the second {$35.00} overdraft fee for the XXXX XXXX payment as they are grossly and blatantly trying to manipulate my account for {$70.00}, I do not appreciate that. 

I would never challenge a legitimate fee, and I ca n't believe that Wells Fargo would move my transactions around out-of-order versus the daily balance that they provide me! Just to get fees for themselves! Please help. 

Feel free to contact me with any questions / if you need clarification.
All of my student loans are showing late when they are in forbearance. 
This account is in forbearance it should not show past due 120 days it should show paid as agreed. 
ame : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details Name : FED LOAN SERVICING Acct # : XXXX Credit Limit : n/a Date Reported : XXXX/XXXX/XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$0.00} Past Due : {$0.00} Acct Status : 120+ DAYS PAST DUE Dispute Item Show Details
Hi, im in workers compensation and insurance adjustor stopped my checks illegally with out notice to me or my lawyer, the financial hardship its not on my control at that point, i contacted caliber home loans which is the mortgage company and explain to them what has happened, it so happens that my lawyer had my checks reinstated, and i paid all my bills XX/XX/XXXX and XX/XX/XXXX, my credit score dropped from XXXX  to XXXX, i disputed with all 3 bureaus experian send me a letter of not clearing the late payment of XX/XX/XXXX, i know is my financial responsibility but it wasnt on my control, i need help fixing this issue cause since i never had problems before with any, once anyone sees my credit history it speaks for it self and my credit is a very caluable asset more than anything, i would like to make a complaint
This has happened a few times now ... I am unable to make the payment on time, and less than a week later I start receiving an unreasonable amount of calls from Citi for payment. The calls come around every XXXX hours, every day ( even weekends ) until I make the payment. When viewing the account, the card has been assessed a late fee and the balance simply shows the accrued amount ( 2 months plus fee ) is due on the next due date. I have asked in the past for the calls to stop and state I will make the payment as soon as I am able ( my next pay check ). The phone agent simply says that the calls will stop after payment is made, and then the calls resume the following day. The practice of Citi is to harass a customer to make the payment, no matter the circumstance.
Had funds taken out of my acct that were not supposed to be from my account. Saw the check withdraw of {$630.00} called and after a 20Min call was told bank mistake would try to credit account would take up to 48 hours. Later that day curious checked my acct to find that my acct was not credited but again debited another {$630.00}. Called talked w XXXX acct customerService and was told hopefully can credit acct tomorrow but wo n't find out until tomorrow what? The second charge was pending just reverse was told could not so now I am waiting on XXXX credit! Help!!!
My issue is with my USAA Mortgage showing late payments on my credit report back in XXXX of XXXX to XXXX of XXXX I received some late payment marks on my credit report and again in XXXX of XXXX I received another late payment on my credit report when I discovered them I contacted USAa and explain to them my situation during XXXX through XXXX I was on two XXXX  as I am in the XXXX XXXX and I explained to them that the account that I was trying to pay the payment I was ' an authorized user but for some reason USAA told me that I was not an authorized user on the account and that's why It did not process correctly however after talking with the supervisor USAA agreed that they would go ahead and fix my credit report because all my payments have always been on time except for these few mishaps therefore they fixed my XXXX  report except for one late payment which I was okay with however they have failed to fix XXXX  and XXXX  I've called USA several times and today was my last as I was on the phone for over an hour with them each time they told me different stories and now they're refusing to fix the issue I am requesting a thorough investigation to fix my credit report like tgey did with XXXX   I'm okay with the one late payment for XX/XX/XXXX but all the others need to be removed I have several accounts with USAA and several other good standing credit reports I have a very long history of good credit please review this inquiry