WillisBack/dataset-financial-user-claim huggingface dataset:
I have request validation of this alleged debt, account number XXXX, from Receivables Performance Management numerous of times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX I sent a demanding letter certified mail requesting once again, validation and proof of claim. Each time I have disputed this alleged debt Receivables Performance Management updated and verify the account with all three credit bureau, but as YET to send me anything validating this collection account that they are reporting I paid! I uploaded one of the letters that I sent certified, requesting Full validation.
In 2016 I terminated my account with XXXX and paid a fee in excess of {$300.00} dollars for early termination. I asked repeatedly if my account was closed and was told my balance was XXXX and my account was closed. Six weeks later I received a bill for {$130.00} which I called about right away. I forget what they said the charges were for, but its totally bogus. XXXX  is a lying thieving company. Anyway, they sent this {$130.00} to collections, and the debt has changed hands a bunch of times. I have been called *at least* three times a day about this erroneous charge for years now. sometimes at XXXX! as late as XXXX! I'm exhausted, but I am so angry about their bogus charging me and then harassing me for years that I simply will not pay. Their product and billing was horrible to begin with and I feel like they're sticking it me for leaving. Please, please make this stop.
The following accounts are fraud and do n't belong to me. I have disputed with XXXX, Trans Union & XXXX a number of times and it comes back as verified. But XXXX ca n't prove how it 's being verified. I have asked for a sign contract a number of times and as of today I have n't received one. XXXX/ XXXX acct # XXXX this account is a result of fraud. XXXX XXXX acct # XXXX This account is a result of fraud.
I was purchasing a flight on XXXX XXXX. I almost completed the transaction and, at the last moment, was offered an XXXX XXXX credit card. This is issued through Bank of America. 

There was a lot of advertising material promoting the benefits of the card and there were documents of small print stating with legal significance what would happen with the card. 

But, there was nothing about whether use of this XXXX XXXX credit card would or would not waive the credit card processing fee usually charged by XXXX. Usually, XXXX does not charge for using a debit card, but they charge over {$7.00} for using a credit card. 

It would have made sense for XXXX XXXX to include waiver of the processing fee in structuring this deal with Bank of America because XXXX customers both promote and build goodwill for the airline when prospective credit card applicants see the customer using the XXXX credit card AND I assume XXXX is deriving a new income stream from this arrangement with Bank of America. In other words, XXXX is most likely " double dipping '' by getting paid by Bank of America and also requiring their own customers to pay them to process the company 's own card. I do n't know this as a fact - but it is a safe assumption. I do n't have the investigative resources of the federal government and I was not able to read the fine print on my computer screen ( and my printer was not working ). 

I figured that this card would get an exception from the credit card processing fee, since it is the company 's own card. 

I applied, was issued a card and clicked on a button to use it for this transaction. 

Was I surprised! Instead of two radio buttons for ( 1 ) credit card use with a fee and ( 2 ) debit card use without a fee, there was now ( 3 ) a third radio button for using the card that was just issued to me. That was convenient! Apparently, the XXXX XXXX website has been updated to use the information about the new credit card from Bank of America. 

I almost went ahead and used my new card when I saw that XXXX was going to charge me the credit card fee for processing their own credit card! 

I find it strange that they would charge a fee to use their own card. 

I find it deceptive that they did not say anything about this as part of their flashy advertising material promoting the card. 

If I had this reasonable expectation, I am sure many other travelers do to. 

Furthermore, I would imagine that the issuance of the credit card means that Bank of America " dinged '' my credit report. That was not necessary - I would not have applied for the card if I knew this was going to happen. 

Also, if they did " ding '' my credit report, it was not necessary because they already have underwriting information on me - I am a Bank of America customer and received preferential treatment in applying for the card. By logging into my Bank of America online account from the XXXX XXXX website, the credit card application was automatically populated with some of my information. Bank of America already knew who I am.
This debt was settled at the XXXX with XXXX and XXXX. 
Under the guidelines of the Fair Credit Reporting Act, a company can and will investigate the item to verify its integrity unless the company can provide new information such as court papers or a recent, authentic letter from the creditor that explains what information should be updated. XXXX XXXX is no longer in business and may add a Company Statement to both XXXX and Trans Union or contact the me directly in writing. Contact information for me is provided on the credit report for your review. If you provide a XXXX XXXX that contains proof of debt, then you are giving consent to me to include this information in every credit report you issue about me. If you have any further questions, please contact me. Please visit XXXXXXXXXXXX for questions about this credit report misunderstanding. 

I have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX # XXXX was incorrectly notified of these disputes. In response to the investigations, the disputed information was not verified or updated properly and accordingly and the results were not forwarded to me for review. Currently, XXXX XXXX XXXX incorrectly reflects an unpaid collection in the amount of {$2100.00} with an estimated deletion date of XXXX. 

Fraud is the intentional use of deceit, a trick or some dishonest means to deprive another of his or her or its money, property or a legal right. A party who has lost something due to fraud is entitled to file a lawsuit for damages against the party acting fraudulently, and the damages may include punitive damages as a punishment or public example due to the malicious nature of the fraud. Quite often there are several persons involved in a scheme to commit fraud and each and all may be liable for the total damages. Inherent in fraud is an unjust advantage over another which injures that person or entity. It includes failing to point out a known mistake in a contract. There is a known mistake in a contract that was never pointed out to me by my broker. It also includes failing to not reveal a fact which he or she has a duty to communicate, such as not delivering promised amenities. My broker promised amenities including a tanning bed and garages as originally understood. The amenities of a tanning bed and garages were not delivered to me as promised. Constructive fraud can be proved by a showing of breach of legal duty such as lying about advertising amenities that were not delivered. Constructive fraud can be proved by a showing of breach of legal duty without direct proof of fraud or fraudulent intent. Extrinsic fraud occurs when deceit is employed to keep someone from exercising a right, such as a fair trial, by hiding evidence or misleading the opposing party in a lawsuit.
Hello. I have a past due credit card account with USAA. I have been making attempts to contact USAA for the past XXXX weeks in order to settle this debt. I have yet to reach anyone about this. I have waited on hold for up to an hour to speak to someone and I 'm still unable to get through. I recently received my XXXX rating from the VA. I have been diagnosed with XXXX from being an XXXX in the XXXX XXXX serving in XXXX, XXXX. My experience took a very big personal toll on my ability to properly manage my finances and personal matters. In addition, I was caring for my father who was at the time, a XXXX patient. My father was receiving XXXX from a result from his condition. This income was being used to manage our shared finances. He passed away from his condition and the XXXX payments stopped. I dealing with my father 's death and loss of income, I was not in the right mind to manage my personal finances. I could not afford the payments on this account and it caused it to charge off. I have not heard from USAA in the last couple of years in reference to this account. Now that I received my XXXX rating from the VA, I also received a large payment from them. I immediately set out to settle my debts. USAA was the first company I attempted to contact but I was unable to reach anyone. I have since settled other debts and now I have a little under XXXX XXXX dollars to settle this debt. My intention was to settle this debt for a reasonable amount but now this is all that is left. This is very unfortunate since I had the ability to pay this off and USAA was the first in line.
I have trouble repaying my XXXX student loans. I have asked for help from Fed Loan Servicing but it would be a financial burden to pay according to the plans that I have been offered. The plans do not take into account the fact that I have no discretionary income to pay my student loans according to an analysis made by a Consumer Credit Counseling Agency. I have asked for a minimum but the provider has sent collections notices as well as threats of garnishment. Likewise I have asked for Teacher Forgiveness as I am a XXXX but I as ill advised by Fed Loan Servicing that I do not qualify even though I work in an XXXX XXXX XXXX.
There are 10 inaccurate accounts that are potentially negative being reported on my Experian credit report. One account in particular that's being reported has been extremely harmful to my credit in general. The account is fraudulent and has never been verified under FCRA. I have disputed this account several times to no avail. Now this account has somehow merged into 9 other accounts on my report which is illegal. I am referencing an account placed by XXXX XXXX XXXX. This account is being reported although it has not been verified. XXXX can not provide any evidence of a valid contract between them and I. They can however provide my information on an application but not a valid contract, a lease agreement or finance papers to prove its validity. In addition to being a false account, the account is very very old, the contract date is XX/XX/XXXX. This account is over 10 years old. This account should have been removed in XXXX by law. Experian has refused to delete this account and now it has somehow merged with 9 other accounts. That's 10 false accounts are causing irreparable damage to my credit. I have attached copies of the accounts which shows the false inaccurate accounts.
I submitted two disputes with Equifax on XX/XX/2018. I have two accounts listed in collections that I have paid off. I have letters from the companies proving that I have paid my debt. I spoke with Equifax on the phone and they advised me to fax them copies of these letters. I did that. The person I spoke to said it would be updated in 5 business days. After 5 business days, I called again and they said the fax was not uploaded and attached to my disputes. This is preventing me from getting a mortgage. The other two credit  bureaus have updated my balances for XXXX XXXX and XXXX XXXX. Equifax is the only one that refuses to update even after I have supplied them with proof. I am working two full time jobs to pay down debt and improve my credit score. Equifax should not have the power to stop my mortgage when I am doing everything right and PROVING to them that my debt is paid.
I had entered into an income based repayment in XX/XX/XXXXwhile employed and had all federal subsidized loans with XXXX XXXX and then transferred to Navient. It was my understanding that any interest that my payment schedule did not cover were covered by the government for the first three years as per subsidized loans. I entered into forbearance because I was told this was my option if I was struggling to repay even under the IBR. In XX/XX/XXXX I lost my job. I assumed that any accrued interest was being paid for per the IBR during the 12 months of the forbearance. I was still unemployed by the end of the forbearance period in XX/XX/XXXX, and interest was capitalized on the loans upon the end of the forbearance to a total of {$210.00}. I made two months of payments using my unemployment compensation, before I became aware that I could proceed with an unemployment deferment. I remained unemployed from XX/XX/XXXX- the present and during the intervening years I reapplied for unemployment deferment. I still ended up having accrued interest applied at the end of the deferment to a total of {$640.00} which I am unclear as to why this occurred as I was in deferment the entire period. 

I was never informed that I could get {$0.00} payments under the IBR while unemployed, and have {$850.00} in capitalized interest that should n't have been capitalized.
A past account XXXX XXXX XXXX XXXX was deleted from my credit file XXXX XXXX. The original creditor was XXXX  XXXX XXXX. The amount is XXXX, XXXX The account has reappeared under XXXX XXXX XXXX, in XXXX XXXX. Experian refused to provide documentation of the deleted account. but verbally acknowledged the account was previously deleted but allowed XXXX XXXX XXXX to enter this account on my credit file again. This is not a new account as I have communicated this to Experian customer service and supervisor ( s ) several times via phone call. I have also explained the debt is currently being paid under XXXX XXXX XXXX which is a consolidation of all student loans which include XXXX XXXX XXXX  Documentation has been sent Experian via U. S. postal mail service. Experian has informed me the company does not have a fax number. Experian downloading website for sending documents for disputes does not function. I have tried for eights months to load documents on the website and all instructions and criteria were followed and documents do not load. Documentation has been sent certified mail but returned. This has been ongoing for couple months. A complaint was sent to the Better Business Bureau as the account remains on my credit report
My name is Mr. XXXX XXXX XXXX XXXX and I am a victim of identity theft. I've notified all three major credit reporting agencies, which consist of XXXX   XXXX Consumer Dispute Center, Experian Dispute Center and XXXX Dispute Center. 

I have also placed freeze alerts with these agencies. I have also filed fraud with my bank, XXXX XXXX XXXX whom issued my wife and I new credit/debit cards and changed all usernames and passwords. I have also filed a police report with XXXX California Police Department. 

After I have reached out to Experian several times now in regards to inaccuracies on my credit report they continue to not only decrease my credit score everytime I dispute an inaccurate account or information but they also will not provide me with the investigation procedures and information they collected to validate the account. 

I requested them to provide in writing the investigation information but get nothing. I am being penalized for disputing inaccuracies on my report. Experian requested documents as proof and I have sent these documents to them, I also sent them my Identity Theft Police Reports and FTC Identity Theft Report, Number:XXXX. 

I have received DATA BREACH letters from Experian and still they will not update and remove inaccurate information from my credit report. This is my last straw trying to work with Experian, as I am trying to purchase a home and the total disregard for account verification has been overwhelming. Experian has dropped my credit score by 14 points, 20 points, 22 points, in the last month with no explanation just seems to decrease everytime I dispute the same incorrect info on my report. There is no change in information, so why does my score keep dropping? I am only disputing info that was already on my credit report.
I have a credit card with Fidelity ( XXXX ). I have three balance transfers with them. One has an interest rate of 2.99 % with an expiration date of XX/XX/XXXX. The other two have an interest rate of 0 % and an expiration date of XX/XX/XXXX. I noticed on my recent statement that my minimum payment was being applied to the transfer with the lower interest rate. It is my understanding that the Credit Card Act of 2009 required companies to apply payment to the balance with the highest rate. When I contacted Fidelity, they said the law had been changed. What is the current law in regard to payments? What can I do about this unfair situation?
XX/XX/XXXX my mortgage was involuntarily sold to Caliber Home Loans.I find Calibers monthly statements to be confusing, and phone support to be virtually non-existent. XX/XX/XXXX, Caliber made statements on phone that were not reflected on following statements.They finally stopped taking my calls.As a result, I filed a formal complaint with XXXX on XX/XX/XXXX XXXX attached ). After several tries, XXXX got the issues resolved. However, at no time, did Caliber communicate with me, nor offer an apology. A year later, XX/XX/XXXX, basically the same issues happened again XXXX perhaps retaliation ), resulting in a just submitted second complaint to XXXX XXXX attached XXXX. 
Unfortunately, the XXXX has also began ignoring my calls, necessitating this complaint to the CFPB. Can you help me with my current complaint, as well as continuing problems with this horrible mortgage company I am stuck with, whose statements are always confusing, sometimes inaccurate, and whose customer service is non-existent and getting worse!
On XXXX XXXX, I have learnt about the Equifax hack. I checked on their website and my " personal information may have been impacted by this incident ''. 
Later on, I tried to get a credit report from Equifax and it failed. 
I tried to freeze my files and it failed. 
I also learnt that the Equifax website to check about the incident does n't even always give reliable information. 
I was in XXXX for work and I had to come back to the US in  order to figure out how to solve this problem since all the internet-only actions have failed.
I have had my mortgage since XXXX, and in - or around - XX/XX/XXXX my mortgage was sold to Carrington Mortgage. I had applied to do a loan modification with XXXX prior to them selling the mortgage to Carrington. However, Carrington did in fact complete the remodification after they obtained my loan. Ever since my mortgage has been sold to Carrington, I have been having issues every month when making my payment. Their website always gave me trouble with logging in to make the payment, so I call in to process them over the phone every month. I make sure that I call in the payments at least a couple of days before the first of the month to avoid any complications with it being late. Each and every time I call, the representatives tell me that I have a payment missing from the previous month. Because of that, I always ask for the representative 's names, and I get the confirmation number that the payment had been made. Every time I call, and they begin stating that a payment is missing, I provide the confirmation number from the previous month. Once I state that, they continue on and process my payment, but never do they confirm that the month they stated was missing was in fact received. On XX/XX/XXXX I called to make my XX/XX/XXXX payment, and again, they told me that I did n't make a XXXX payment. Which I had, on XX/XX/XXXX for XX/XX/XXXX. I provided the confirmation nuber again. It seems odd that this is a normal occurrence every single month when I call to make my payment. I then faxed a letter to their customer relations department to have them look into why this happens every month, and I received a letter that advised that I had a missing payment and late fees/charges on my account and they were going to review my loan. I have never been late on my payments, and I have never missed a payment. I 'm concerned that there is something more going on than simple incompetence at this point. Once or twice of this happening could be understandable when they first received my loan, but this has been going on for close to two years now where every single month it 's the same story. I have attached every document that you may need in order to review this for me if possible. I have attached my bank statements, however, for the month of XXXX I was still with XXXX so it would only allow me to show the Activity Details for that payment but you will see it is the same amount as the first few payments to Carrington starting in XXXX. Some months XXXX payments show on the statement. One in the beginning of the month ( for the current month ) and one at the end of the month ( for the following month ). I have attached the letter from Carrington with the review of my account, which they provided what they said is my payment history which does n't make sense either, and I have attached my handwritten documentation of when I had made each payment.