WillisBack/dataset-financial-user-claim huggingface dataset:
I had contacted Santander Consumer USA XXXX XX/XX/XXXX to let them know that due to the Federal Government shutdown I would not be able to make make XX/XX/XXXX payment until XX/XX/XXXX and that I would make my XXXX and XXXX payment together. I was told that would be fine and that it would not be reported as late on my credit report due to the situation. However, on XX/XX/XXXX, it was reported 30 days late on my credit reports even though I paid both months as promised. I called customer service and they told me to send a dispute to their XXXX address and I did. I also reached out to them on XXXX XXXX. I was very pleased with the quick response I recieved from XXXX. I talked to a representative on XX/XX/XXXX and she stated that she could not find any conversation I had with them. That since my XX/XX/XXXX payment was 2 days late it was reported accurate and they would not fix the late payment. I explained to her that my mortgage company and credit card company worked with me due to the Federal Government shutdown and she said they were not participating in not reporting to the credit bureaus like other companies were. So, today I pulled my report and it shows that they closed my account on my credit file and the close date says XXXX, when I opened this in XXXX. This is very upsetting because I commuicated and I have never been one day late in paying them, except this one time and it has destroyed my credit score due to this. Any help would be greatly appreciated. I would like to add that all of the people have been very nice, they just can't help me. 

Acct # XXXX
I contacted XXXX XXXX on XXXX XXXX, and XXXX XXXX of this year, telling them about the problem and they refuse to fix it
XXXX XXXX XXXX  is not reporting correct information to the credit agencies. XXXX  is reporting that the mortgage is closed. They are also reporting an incorrect balance. My account is still active and has been current since XX/XX/2018. I spoke with XXXX   on a recorded line in XX/XX/XXXX they advised that it would begin to report correctly. XXXX has since not updated my information with any of the credit agencies. I spoke with XXXX on a recorded line again in XX/XX/XXXX and they advised they are not reporting because I have a dismissed bankruptcy, and if I wanted it corrected I would need a reaffirmation document. I reached out to the attorney the represented me in my bankruptcy filing and they advised that reaffirmations are only for chapter XXXX   cases. I had chapter XXXX  reorganization and they should be reporting accurate information. XXXX  reported my account as closed and past due in XX/XX/2018. At that time it was the plan of XXXX to foreclose on my property. I was able to gain assistance and mortgage reinstatement through a state funded program that paid all of my missed payments. With this complaint I want for XXXX to begin to report my mortgage on my reports as active and current dating back to XX/XX/2018. I have filled a previous complaint on XXXX because I felt I was a victim of racial discrimination. I still feel this way as evident in their unwillingness to provide assistance during my hardships, and currently by reporting information that destroys my credit rating.
The Account originally disputed is under account number : XXXX and was reported by XXXX XXXX XXXX XXXX XXXX and to the credit bureaus under the dispute claim numbers above. I am refreshing my dispute of this account to include Experian Credit Bureau as it has come to my attention that the true reporting company is the parent company XXXX XXXX who are not recorded as such on my credit report. I have been writing to XXXX XXXX XXXX XXXX XXXX for months only to find out that this company is not representing themselves truthfully. I contacted the ( 3 ) credit bureaus including Experian sending them proof of returned mail provided to me by USPS. The ( 3 ) credit bureaus have failed to acknowledge who is the reporting agent responsible for reporting inaccurate information on my credit files. It is apparent from my credit file that the collection company is XXXX XXXX XXXX XXXX XXXX trading from XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX but this account is actually reported by the parent company XXXX XXXX Experian credit bureau have failed to disclose their client 's details even after years of disputes in writting to XXXX XXXX XXXX XXXX XXXX and Experian credit bureau regarding the falsely reported account. I have attached copies of my latest letters sent to Experian and as you can see I wrote my letter in advance ( due to my employment commitment ) but I actually mailed it to Experian by certified mail a little earlier on the XX/XX/2018. 

My dispute against Experian via CFPB on XX/XX/2018 reference # XXXX I has NOT not resulted in a response just as my letter informing them that the address for this company reporting on my credit reports is incorrect and that all mail delivered to XXXX XXXX XXXX XXXX XXXX has come back to me as undelivered? ( see attached certificated of mail and dispute letters ). Again, I am provided my driving license to you on line with my complaint ; I am providing my social security card on line to you with my complaint ; I am providing a copy of my wage slip on line to you with the complaint ; I am again sending a copy of all letters and copies of certified mail on line to you with the complaint and relevant copies of credit reports showing the reported account. 
At no time at all was I advised that XXXX XXXX XXXX XXXX XXXX is not the company responsible for reporting and I was never advisd that it was the parent company XXXX XXXX that I should have been addressing my disputes via mail. I have spent many months and incured expenses for the certified delivery cost to dispute this account and I am totally disgusted about the treatment I have recieved and I am now in the process of filing a small claims inrespect of these issues and intend to sue the ( 3 ) bureaus including Experian reporting this inaccurate account as well as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for the full amount allowed for each case. I have been informed by my attorney that I can sue for the min of {$3000.00} per count and I hope you continue this act of invisibility so that I can sue you all in the state of Florida in the XXXX County Court if this item is not removed from my credit files within 15 days. Please be pre warned.
I opened a new account with Barclay Bank XX/XX/2016. 
And I was offered a 0 % balance transfer offer. So I called in on XXXX XXXX and did a balance transfer over the phone to one of my XXXX XXXX cards. 
After 10 days had passed and nothing happened I called Barclay Bank to check on the balance transfer status and they started to ask me strange questions ; Like who I was paying? What I was using the money for and so on ... 
I told them I was just paying one of my XXXX XXXX cards. 
So they told me that they need to verify my identity and I was : Wait a minute you already know who I 'm. Barclay Bank already checked my identity when I opened the account and again when I requested a credit limit increase which they approved as well. 
So they told to send them documents ( Utility bills, copy of social, copy of driver 's license, etc ... ) to prove my identity. I then send twice the documents they requested and Barclay Bank is do n't want to honor the balance transfer. 
Every time I called in they are rude and give me all kinds of ridiculous excuses. 
I already send the documents twice and they still do n't want to honor the 0 % balance transfer. 
It seems to me that they are trying to pull some type of bait and switch deal on me. 
If all they wanted was to confirm my identity why do n't they ask me questions about my credit report just like any other bank. Why being rude to me and make me send documents when we have credit reports? 
If they are not so sure who I 'm why give me a credit card in the first place? 
It make no sense to me ... 
I would like Barclay Bank to honor the 0 % offer or please stop wasting my time.
I submitted a copy of my FTC identity theft report to all credit bureaus to remove items that were fraud and not submitted by me. XXXX & XXXX investigated and removed those items. Equifax investigated and did not remove anything. This is causing negative effects on my life. 

{$1000.00} collection, I disputed with FTC.
TO WHOM IT MAY CONCERN, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
I believe Chase is deliberately holding onto credit card payments in order to fraudulently charge late fees. On XX/XX/XXXX, I mailed my credit card payment which was due XX/XX/XXXX. On XX/XX/XXXX, I received an email notice that my credit card payment had not been received. I called XXXX and had funds transferred from my checking account. On XX/XX/XXXX, I called to have the late fee reversed. Miraculously, they found the previously-written check on the very night I called ( sometime in the hours between the late afternoon of XX/XX/XXXX and XXXX XXXX  XX/XX/XXXX. I do n't believe in coincidences. I think they know I would have verified that my check had cleared and thus they had to apply it to my account ... or go through an auditing procedure to find out exactly where they put that money. I think they are doing it to collect late fee payments even when payments are made well within the deadline. I closed the account. This is the second time it has happened with Chase within two years. It has never happened with any other bank or credit union, and I have held credit card accounts since XX/XX/XXXX.
i have been disputing this company with this company only to find out they are no longer in business, they have been on my credit report since XXXX stating i have a written off balance of XXXX dollars I do not recall getting or signing up for this card.The company is called XXXX.XXXX.Please remove from experien credit report
The following accounts do not belong to me, and in accordance to the FCRA if consumer is not provided with physical documentation then them accounts should be removed. The following accounts are, 1 ) XXXX XXXX XXXX {$740.00}, ( 2 ) XXXX XXXX XXXX  {$190.00}, {$140.00}
I contacted XXXX and spoke with a customer service representative, and then a supervisor. <P/>I informed them of the new policies that went into aaffect on XXXX XXXX, 2017 on Public Records and Judgements that appear on an individuals Credit Report. <P/>The Supervisor stated that I could file a complaint, but the XXXX Public Records would remain on my Credit Report. <P/>I need your assistance on having these items removed as well as reaching out to XXXX so that there Departments throughout the Country that speak with Consumers have been educated as to what can be on a report and items that should not be. <P/>Thanks for your time.
I had a XXXX XXXX XXXX XXXX credit card. Due to financial hardship I was unable to make payments which caused my account to go into collections. I have made numerous attempts to reach out to XXXX XXXX to settle my debt. It has been years from when I have opened the card and this still shows on my credit report.
XXXXXXXX XXXX XXXX is reporting on all 3 of my credit reports for a balance of {$2500.00} I never opened this account and it must be removed from all credit reporting agencies
I was denied a fha loan with quicken loans. I believe the reason was descrimination. I meet the income, length of employment, and credit requirements and still was denied. I was told on the phone it was because i didnt make enogh income. Then i received a letter of denial saying it was because of excessive debt.
SOME UNKNOWN PEOPLE OPENED UP ACCOUNTS IN MY NAME WITH THE COMPANIES ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX ) WITHOUT CONSENT. I HAVE ATTACHED A COPY OF MY POLICE REPORT.
What happend this it all about a utility bill, so I 'm going to describe what happend I moved from my previous address at the end of XX/XX/XXXX so I called the pse and g which is the electricity company to disconnect the service and to send md the final bill to the address I gave them that time, so they send it to me I do n't remember exactly the amount but it was 100 and some dollars so I paid it by money order and send it by the mail, at XXXX I moved to Maryland after year and half even more I get a letter in my mail from a company called XXXX XXXX XXXX that I have collection of XXXX so I called them they told me this from past due electricity bill so told them ca n't be true because I have paid it anyways to have less headache I paid it same day and they told me we will send you a letter that you paid it but Even tho I paid it the damage is done because Already they report it to transunion, now my issue why the electricity company did n't contact me or send me the bill they assume that I owe before send it to collection agency and even if they send it to collection agency by law they give 30 days before report it to transunion and this company XXXX XXXX send me the mail at least a month late and when I asked them why they say we were looking for your address are you kidding me it 's unprofessional at all anyways I hire a company called XXXX XXXX XXXX to remove it from my report now it 's been paid since XX/XX/XXXX and they never remove it and it 's unfair because I work so hard to keep my credit report clean, I blame the pse and g and the XXXX XXXX for this because if I knew for one second that I have a bill I have to pay I would pay it right the way so it 's there fault from not notify me, now please I 'm asking for your help because I tried so many times with transunion to remove it by sending them letters and XXXX XXXX XXXX as well send them letters and nothing happend so now XXXX XXXX XXXX send them again notarized letter for the fourth time and usually it take 30 to 60 days from them to respond but they did n't thank you again for this opportunity to help me fix this issue.
CREDIT CARD : AMEX XXXX CREDIT CARD. 
PROBLEM : I made a payment to bring my balance owed to XXXX in an effort to get out of debt so I can improve my credit score to purchase a home. However, after making the payment to bring my balance to XXXX, AMEX and XXXX both charged interest on the purchases several days later. So, to my knowledge I had paid my balance in full then intentionally left the account open so it would help increase my credit score. I deleted my reminders to pay these cards since the balance was at XXXX ( {$0.00} ) and not until I got a MISSED PAYMENT notice AFTER being assessed a late penalty did I learn that several days after I made my full balance payment, they tacked on a small {$16.00} " Interest Charge on Purchases '' a full 5 days after my full payment posted. 
This is a misleading practice since the credit card company has knowledge of the finance charges accrued at the time of payment, therefore should be advising that full payment is n't complete until current past month ( in arrears ) interest /finance charges are applied. This also happened with XXXX XXXX as well. 
We 're not talking about a lot of money typically, but if someone is n't aware of fully understanding how interest on purchased in arrears is calculated the probability of a late charge being filed and reported to the credit bureaus negatively affecting a consumers credit increases significantly. 
SOLUTION : Simply reflect unpaid or un-billed Interest Charge on Purchases that are in arrears on current summary statements so the consumer can pay balance, and be immediately aware of the charges in arrears that will be showing up next month.
About a year ago I was paying off old debts and Pressler and Pressler had 1 of my debts. I called them to pay off one of the debts which I had known about. While talking to them they notified me of another debt that they had of mine. I told them I never opened that account and I never made any purchases with said account. They asked me if i wanted to dispute it and I said I did. Then they told me I would need an affidavit of fraud and a police report in order to do so. In the last year i havent gotten around to doing the affidavit of fraud or police report.

2 Weeks ago I had a levy of {$830.00} placed on my savings account. It was done so by Pressler & Pressler for XXXX XXXX XXXXl. The address they provided to the court was XXXX XXXX XXXX XXXX, NJ. I havent lived at this address in over 12 years and they had my current correct address on file bc I paid a debt just a year ago for XXXX XXXX  for {$320.00}. Since I wasnt recieving any letters from the courts or law offices I wasnt able to answer them so they were able to get a judgment on me.
BECAMER  XXXX  TOLD BANK TO ACTIVATE THE INSURANCE AS I HAD A   XXXX   XXXX   XXXX   BANK INSURANCE SHOULD PAY IN FULL THEY DIDINT THEY COMMITTED FRAUD
I have a credit card with British Airways Visa Signature through Chase Bank that offers " No Foreign Transaction Fees ''. XXXX I recently charged a XXXX XXXX ( XXXX XXXX ) on my credit card. I checked my bank 's website to find that I was billed {$25000.00} US Dollars ( USD ). The transaction was settled by Chase Bank on Monday, XXXX XXXX, 2016 using an exchange rate of XXXX USD per XXXX. The currency exchange rate, as published by XXXX on XXXX XXXX, 2016, was between XXXX and XXXX. Assuming that the highest exchange rate of the day was used, a rate overcharge of XXXX resulted in a FEE of {$1500.00} to be charged on this transaction. Upon contacting Chase Bank, I was informed that there is " No Fee '' on the transaction. They stated that XXXX sets the exchange rate used for each day and that Chase Bank has no control over this rate. XXXX, in fact, did publish a rate of {$1.00} on XXXX XXXX, XXXX. The rate set by XXXX is 6.5587 % greater than the highest actual exchange rate on XXXX XXXX, 2016. Chase Bank 's representative defended the process by claiming a distinction between the exchange rate and a transaction fee. As a consumer, the exchange rate and the foreign transaction fees are effectively one in the same. 

There are several issues at hand. The advertisement, " Transaction Fees on Foreign Transactions : None '' is patently false and is tremendously misleading. Chase Bank is hiding XXXX 's 6.5587 % Transaction Fee on the exchange of XXXX 's to USD 's. This claim should not appear on their websites for " No Fee Cards '' without a disclaimer that the foreign currency exchange rates used will be arbitrarily be set by XXXX and have no relation to the actual transaction exchange rate. 

I would appreciate the CFPB 's investigation in this matter to make the consumers aware of these tremendously misleading claims and hidden fees. I would also like to be reimbursed for the transaction fees that were charged that are above the market rate for this transaction. I feel that my many past foreign transactions on the Chase Bank XXXX XXXX should also be subject to a similar refund. I have detailed documents that support the amount of the charge in XXXX, copy of my Chase Bank posted transaction, XXXX 's XXXXUSD rate quotes, my cardmember service agreement and XXXX 's " imaginary XXXX-USD exchange rate '' on XXXX XXXX, 2016. 

I thank you for looking into this very deceptive practice.
I was previously a customer of XXXX. I cancelled my account and paid the final amount due in full, but an additional amount was reported to collections. XXXX claimed I had XXXX digital set top boxes, and did n't return XXXX of them. At the time, I lived in a XXXX, and definitely did not have a need for or possess more than one cable box. 

When I received a notice from the debt collection agency XXXX referred the bill to, Southwest Credit Systems, I requested that the debt be validated XXXX days after their initial contact. They did not respond, and have not responded to repeated requests to validate this debt. I 've filed disputes with the credit bureaus, but each time they claim the debt is valid based on information that Southwest Credit Systems supplies to them, but has never provided to me.
I tried to open a bank account at ally bank, but I was denied since I do not have any social security number. On this link XXXX it is stated that I am not required to provide a SSN to open a bank account.
I opened a Citigold Checking account using a promotion code for XXXX XXXX XXXX miles. I confirmed with Citibank the terms of my promotion via secure messaging on their website. I met the terms of the promotion and contacted Citibank because the points promised in the promotion had n't posted to my account. They responded that I was not eligible for the promotion and they were not honoring the terms of the promotion. 
I have attached copies of all correspondence with Citibank and my statements showing the promotional requirements were met. 
Thank you
I currently have a loan modification application submitted to Chase. My loan has been in and out of the forecloure process since XX/XX/2009 The original foreclosure case was withdrawn by Chase following numerous fraudulent actions by the lenders Attorenys including XXXX, forgery and inproper notice to myself and my Attorneys. Chase has reinitiated the foreclosure law suit with the same Attorneys, who we have made several attempts to submit an offer to settle however they have now requested that a new loan modifiacation request be made. That request was made by me and I have confirmed that Chase has the documents and are processing the request. The Attorney for Chase is aware of the application as well. Chase has refused to halt the foreclosure while the modification is in review, Florida is a judicial State and the trial date is set for Monday XXXX XXXX. Furthermore, as of today the Attorney 's for Chase provided inacurate status report as to the modification request to my Attorney saying that Chase has contact me directly, which is not permitted as I am represented by an Attorney and which they did not do, and also my Attoeney which was also not the truth. No contact has been made by Chase. I did contact Chase to confirm that the file was recieved and in process. My legal rights have been abused by Chase and the law firm of XXXX once already. I deserve a fair review of my modification without the threat of lossing my home during the process.