WillisBack/dataset-financial-user-claim huggingface dataset:
This dispute pertains to a Credit Card with the USAA Bank Dispute For Credit Card Ending In XXXX USAA Dispute Case # : XXXX Credit Card # Ending In : XXXX Merchant Name : XXXX XXXX XXXX Transaction Date : XX/XX/2018 Transaction amount : {$140.00} Disputed Amount : {$140.00} To whom it may concern : On the morning of XX/XX/2018 I was in XXXX, XXXX and I made reservations via telephone with XXXX XXXX XXXX to have a car reserved in the city of XXXX, XXXX where I was going to fly to later that morning. 
The reservation was made and upon arrival at the XXXX XXXX XXXX XXXX in XXXX XXXX the car was waiting for me at their XXXX office. I paid {$130.00} USD ( {$390000.00} XXXX  Pesos ). 
Later in the evening while dining at a restaurant I checked my USAA application on my cell phone and saw in addition to the legitimate charge from XXXX another charge for {$140.00} from a merchant called XXXX XXXX XXXX. 
I have NO IDEA who XXXX XXXX XXXX is as I never contacted or dealt with any merchant other than XXXX. 
I immediately called USAA 's international number and reported this charge to initiate a dispute. 
I did NOT on that day or any day before or after deal with XXXX XXXX XXXX. I have no idea who they are or where the charge came from. I suspected at first that perhaps one of the XXXX workers at the XXXX XXXX was trying to possibly scam me since they were the only ones who had processed my credit card and BOTH charges appeared at the same time on the same day for the same type of service : A car rental. 
I do have the receipt from XXXX and have included a photocopy. The amount is in XXXX Pesos but a currency converter will show the US dollar amount. 

XXXX XXXX XXXX has NO locations in XXXX, as proven by looking at their list of locations on their website, the URL is provided here : XXXX XXXX XXXX Also, NO ONE will rent something as valuable as a car without having the renter fill out and sign multiple sheets of paperwork, therefore WHY DIDN'T USAA REQUEST SUCH DOCUMENTS FROM XXXX XXXX XXXX, the absence of which would have proven that I never dealt with them and that the charge is false?? 

I have proven with the XXXX receipt that I was physically in XXXX where I rented a car from XXXX and with the above link I have proven that XXXX XXXX XXXX does not even have locations in XXXX, yet they falsely charged me for a rental on the very same day I rented a car from XXXX in XXXX. 


Sincerely, XXXX XXXX XXXX
I applied for a loan with Big Picture Loans after receiving a mailer about being pre-approved for a loan. I was trying to get caught up on utilities after paying for my daughter 's XXXX XXXX, and thought the loan would help. Because I was so desperate for the financial help, I did n't really understand the APR that I was agreeing to. I was approved for a {$720.00} loan, at an APR of 486.8782 %, on XXXX XXXX, 2017. So far, I have made four payments in the total amount of {$350.00}. Of that total amount, {$340.00} went towards interest fees, and only {$3.00} has been applied toward the principal. I understand that I agreed to the contact, but I am now facing extreme financial pressure to maintain the bi-weekly payments of {$170.00}.
**This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
My Equifax report shows many collection that does n't belong to me. Are result of identity theft. None of those collection accounts are linked to my Social Security number. Some of them are using my name as a stolen identity.
I applied for a refinance loan, to buy out a partner. The mortgage lender has been insisting I don't live on the property due to the fact that I have a XXXX. XXXX. They inquired about my divorce of 5 yrs ago and a paternity case where I was awarded legal and physical custody of my son. In their findings they concluded I don't live in the home. They decided not to raise the APR due to their findings instead they told me they would reduce the loan amount by {$50000.00} because my credit rating dropped when they learned I'm a XXXX XXXX and I don't make enough money XXXX XXXX. Yet, today in a phone conversation with XXXX at GHI she admitted I made enough money to pay two mortgages which I have been paying on time for the last 5 years, the other mortgage is part of a divorce settlement where In lieu of child support and Alimony I pay the mortgage. 
I applied for this loan prior to the XXXX holiday, I have been dragged along for two months on this loan process. I feel their practices are unethical and illegal. My personal life should be a private matter that has no effect on my income and my potential to make my mortgage payments as usual. I have a full time career of 20+ years making a six figure income consistently for the past 16 years. This is not the first I have been mistreated by lenders or escrow officers. These XXXX feel they have the right to vindicate another XXXX regardless of the courts decision and facts surrounding the courts decision. This is gender discrimination, but no court or government entity is willing to enforce the law equally and fairly when it comes to XXXX  breaking the law. They're licenses should be revoked.
Today I was threatened with arrest and family members harassed on a debt discharged in a bankruptcy over 10 years ago. Highly illegal. 

XXXX NP Group violates the following : a ) Harassment ( XXXX ) : A debt collector may not harass or abuse any person to collect a debt, including : ( v ) repeatedly or continuously telephoning someone ; XXXX XXXX Collection Bureau , XXXX XXXX XXXX. XXXX [ DCND XXXX ] ( collector 's immediately recalling debtor after the debtor hung up constituted harassment ) ; CALLS FROM DIFFERENT NUMBERS REPEATEDLY.. CALLS FROM BLOCKED NUMBERS. 

b ) False or misleading representations ( XXXX ) : A debt collector may not make any false or deceptive representations, including any representations : ( iv ) that nonpayment may result in arrest or seizure of any property, unless such action is lawful and the collector intends to do the same ; ( v ) threatening to take any actions that can not legally be taken ; In re XXXX, XXXX BR XXXX [ Bkrptcy. XXXX XXXX XXXX ] ( threatening to take imminent action, where no one in the creditor 's legal department was admitted to practice in the debtor 's jurisdiction was a violation of the act ) ; ( vii ) informing the debtor that he committed a crime in order to disgrace him ; ( viii ) communicating false credit information, including the omission of any dispute by the debtor ; ( x ) using deceptive means to obtain information about the debtor ; ( xi ) failing to disclose to the debtor that the collector is attempting to collect a debt and that any information obtained may be used for such purpose ( except such statement need not be made in formal court pleadings ) ; ( xiii ) stating that documents are legal process which are not ; XXXX, XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ] ( officer of collection agency engaged in unauthorized practice of law in Arizona, when she signed an application for a writ of garnishment ) ; ( xv ) stating that documents are not legal process which are, or implying that no action is required relating to such legal process ; or c ) Unfair practices ( XXXX ) : A debt collector may not use unfair or unconscionable practices to collect a debt, including : File complaint against them here : XXXX Here 's the managing member of the group XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, NEW YORK, XXXX National Principal Group LLC Current Entity Name : NATIONAL PRINCIPAL GROUP LLC DOS ID # : XXXX Initial DOS Filing Date : XXXX XXXX, XXXX County : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC LIMITED LIABILITY COMPANY Current Entity Status : ACTIVE Selected Entity Address Information DOS Process ( Address to which DOS will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX, NEW YORK, XXXX XXXX
As of XXXX/XXXX/17, I received an alert from my credit monitoring services indicating a new account was added to my credit profile. After reviewing, I noticed an account from XXXX XXXX was added. I have received no communication from XXXX XXXX regarding this alleged debt! This company did not follow the debt collection process allowing me to request the appropriate debt validation.
On XX/XX/XXXX, 2016 PennyMac was denied in a motion to served in or transfer the alleged debt, in violation of the FCRA, FDCPA and FTC. 
In violation of United States Constitution, then wish I do not owe any think. They are about to submit fraudulent documentation to United States Bankruptcy Court case # XXXX. 
Sincerely / XXXX/.
I leased a XXXX XXXX years ( XX/XX/2013 ) on a lease term of XXXX per month for 36 months or XXXX miles. Since I used up the miles in XX/XX/XXXX this year, I returned the car to the dealership where I leased the car. I asked the dealership " I am not early terminating the lease but I have used up the miles and I do n't need the car anymore ; what should I do? '' The dealership checked the car and let me signed off the mileage, and told me I just keep paying the monthly lease payment until the end of the lease and I will be done with the contract. 

So I returned the car to the dealer and I continued to pay my monthly lease payment on my Toyota Financial Services account. Up until I paid my XX/XX/XXXX lease payment, everything was fine. My account showed I have XXXX more payment of XXXX left on my lease and I owed XXXX balance in XX/XX/XXXX. 

When I went to pay my last payment of XXXX in XX/XX/XXXX, however, my account vanished. The website says I do n't have an account with XXXX. 

Next I received a horrifying bill of {$3300.00} from XXXX, claiming that as an Early Termination Statement. They charge XXXX times of what my last month payment because I " voluntarily early terminated '' the lease. 

I called the Toyota Financial Services, they refused to either make adjustment or let me contact with whoever responsible to make adjustment except trying to throw me to a collection agent. 

I went to the dealership, they are willing to help but they say they can not make adjustment so they need the financial service to tell them what they need to do to help us. So I called XXXX XXXX again asking what they need the dealership to do to prove that I never early terminate the lease and the dealership instructed me to keep paying the lease monthly as usual then I will be done.XXXX Services again refused to provide any information except throw me to a collection agent. 

I hope to get in touch with Toyota Financial Services so they could provide me the correct bill that I could pay. I am not responsible for a {$3300.00} early termination bill.
My identity was stolen. At the early part of 2016, I started to receive telephone calls from several credit card and a exercise equipment company stating that I had taken out credit and had began to go delinquent in my payments. I filed a police report and provided it to all the creditors that I did not recognize on my report. While some companies have removed the fraudulent accounts from my report, Chase is one company that has refused to do so. I hired an attorney to handle this matter for me. He stated that Chase would only agree to settle the balance that had now charged off. I made all the installments to pay it in full. However, the impact of identity theft is still affecting me because this shows as a negative entry on my credit. I would like for Chase to take in consideration all of the documentation I 've provided on identity theft and the great lengths I 've gone to get this rectified. I have disputed this in writing and directly through the bureaus but no one will listen to me! I have even agreed to pay money back that I never received. I want them to remove this from my credit report because we NEVER were in business on this account and they have come out the victor by getting money from me anyway.
I HAVE CALLED THE CREDIT BUREAUS AND THE CREDITORS AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT ACCOUNTS : ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX BANK XXXX XXXX # XXXX XXXX. I WAS ADVISED TO GO TO THE POLICE STATION AND REPORT THE IDENTITY THEFT, WHICH I DID AND I HAVE SENT THE POLICE REPORT TO THE CREDITORS AND ALL THE BUREAUS AS PROOF OF IDENTITY THEFT. I HAVE DISPUTED THE ABOVE ACCOUNTS AND THE CREDIT BUREAUS HAVE RESPONDED BY NOT REMOVING THE ABOVE ITEMS. THE ACCOUNTS ARE FRAUDULENT AND THEY SHOULD BE IMMEDIATELY REMOVED. I HAVE ATTACHED THE POLICE REPORT AS PROOF OF FRAUD.
Equifax dropped my credit score 100 points and will not tell me why- for over six months hard inquiries were on my report and did not effect my score also they for mtge requests apparently from a real estate broker who had my personal information. I think from the beginning all these requests were approved although I was never a party to this answer. after a XXXX phone purchase and furniture credit request with XXXX the report was then effected. Equifax says XXXX XXXX determines score and XXXX XXXX denies this. No one can tell me how to improve this score in real time
I had recently paid off all of my credit cards, including my XXXX XXXX XXXX through synchrony onXX/XX/XXXX, and a month ( XX/XX/XXXX ) after my payment in full was processed synchrony " randomly '' closed my XXXX XXXX XXXX causing my score to drop significantly, I called synchrony they told me the decision was random and made onXX/XX/XXXX because of inactivity, but thats not true, i used the card on XX/XX/XXXX and just now finalized it on XX/XX/XXXX I explained to them that I am in the process of purchasing a home, that's why I paid them in full so it doesn't affect my process for purchasing a home, they pretty much said tough luck nothing we can do for you. It is not right that they can try to mess with someone like that and seeing that them closing this account dropped my score by 38 points, I'm worried that it might alarm my lender for my mortgage all thanks to synchrony doing this stuff behind the scenes and not contacting me.
To anyone who will listen : My consolidation master promissory notes ( MPN ) are dated in XXXX, XXXX, XXXX, in such, there is no 6 months grace period. It is my understanding that all consolidated and non-consolidated loans are treated the same. When Nelnet began to enforce the newer version of MPN with Item 17 grace period, I never signed that version, I was never advised by Nelnet of any changes to my MPN or the enforcement of the newer version of MPN. I was in school for fall XXXX and took the spring/summer XXXX off due to a job relocation, to included, I am currently in school for fall XXXX. During my time away from school, my non-consolidated loans had a 6 months grace period. Without my knowledge, Nelnet reported to my credit bureau, XXXX, XXXX, and XXXX   90 days late payments during my VA mortgage pre-approval process. My VA lender disqualified my loan because of the recent XX/XX/XXXX 90 days late listed on my 3-credit bureau. I respectful request verifiable proof of a signed Consolidation Master Promissory Note ( MPN ) with Item 17. By Nelnet submission, their review my signed Consolidation Master Promissory Note ( MPN ) with Item 17 and upon request this document was never provided. Nelnet decision to enforce policy, shouldnt supersede contraction obligations has led me and my family into financial hardship and emotional stress with the negative credit report posting of late payments. With Nelnet negative credit bureau listing and denial of VA loan has presented very limited options regarding housing for my family. We are begging Nelnet or XXXX to reverse the negative impact. Ive enclosed my three signed MPN dated XXXX. I respectful request verifiable proof of a signed Consolidation Master Promissory Note ( MPN ) with Item 17. If the signed Consolidation Master Promissory Note ( MPN ) with Item 17 is not provided, I respectfully request the removal of all negative posting of late payments in XXXX & XXXX on XXXX, XXXX, and XXXX. 

Thank you for listening, XXXX XXXX
I filed a complaint back in XXXX with CFPB against XXXX XXXX XXXX. I have yet heard from XXXX XXXX XXXX and 15 days have passed. The debt is {$190.00}.
I have been trying to dispute information with transunion for more than 3 months. I have sent letters without any feedback and I have tried to process disputes over the web, but was denied, I even gave up for two months to see what would happened, and exactly as I thought nothing did, Finally I got frustrated and called again. I called and was transferred at least 6 times to different representatives. Each time I 'm told I must speak to someone in the special fraud department. As you can imagine I became very alarmed, but could n't get any help or any answers. Each representative required the same information my name social security number, date of birth and address. I was very upset to continue to provide my personal and confidential information to each of these employees but i wanted to get the matter resolved. Finally i was told i would be transferred to the final department and that they would most certainly be able to help me. The call went to voice mail. I got a call the next day at XXXX, I was at work. The caller, who failed to identify herself advised that I can call back and speak to any rep and that they would be able to help me. That was n't true once again I was transferred 4-5 more times until I got to XXXX. I explained to XXXX that I wanted the information on the XXXX XXXX account that says i was disputing the card to be removed, that I had previously request in XXXX 2015 that the fraud alert be removed from my credit file and that I had inquires on my credit report I did n't authorized and should be there.. i explained that was XXXX the reason I put these alerts on my account in the 1st place. XXXX then advised that she could remove the AID from the XXXX XXXX account and can remove the fraud complaint but for the inquires I would have to contact the different companies provide them my personal information so that they can write me a letter that I can then send to Transunion to remove the inquires. I advised I do n't want to provide the creditors my details that they should n't be there in the 1st place. That I had requested that my account be protected and Transunion failed to follow through. I requested that the inquires XXXX ( XXXX inquries ), XXXX Bank, XXXX XXXX, and XXXX mortgage. XXXX advised that she would not issue the investiagtion that that the information she provided was my only option. I explained no other creditor has requested this process to which there was no response. I advised I would file a dispute to which she replied ok. This process is unfair and i feel the actions of this company is punitive. They wont allow web access to my report and the fact that some special fraud department is the only department that can help me,, all though they dont seems to be some type of payback because i filed a complaint against transunion before. This is clearly a poorly run company and I am very concerned that this is XXXX the only XXXX companies that is in charge of keeping my files safe and up to date.
Filed income based repayment paperwork approx imately sixty days before deadline. Paperwork wa s not processed ( even after several phone calls enquiring about status ). Full payment was billed in  XXXX . I was promised that the payment would be adjusted before the due date, but it was not. I have been promised that the  XXXX  bill will be put into " administrative forbearance '' ( so interest does not capitalize ) before the  XXXX  bill is due, while the payment adjustment is pending So far this has not happened. On several occasions I have been told either that paperwork will be submitted ( for example, for administrative forbearance ) and found out later it was not done, or told that an action would take a specified duration  ( eg 7-10 days ) to complete and later find out the time frame was actually 60-90 days.
( 1 ) What happened? 

I disputed a Bankruptcy reporting on my account on XX/XX/2018 for reporting inaccurately : the original bankruptcy documents state a different address than where I live now. This is an inaccuracy because, the original bankruptcy documents have the address where I filed for the Bankruptcy over 7 years ago. I now live somewhere else. 

The dispute results where verified by electronic means. 

The FCRA states if any inaccuracies at all, are in the the Bankruptcy it must be deleted. If results reveal 1 inaccuracy, it must be deleted. The Bankruptcy Courts do not correspond with the Credit Bureaus for any reason ever. My report is inaccurate because only a small amount of the original information is reporting. The verification process must include the original bankruptcy document with signatures of both consumer and Bankruptcy Court Judge. This original bankruptcy document must already be in the consumers file when the consumer disputes the Bankruptcy for accuracy. 

The dispute results returned on XX/XX/2018 as verified. The very same day of dispute.
I did get behind on my payments never heard anything from them till I got a letter from there lawyer I tried to call to see what I could do and the guy said nothing they want all the money or nothing I asked about getting help and he said you want the papers I said yes and he hung up on me I have contacted a lawyer and she XXXX try to call on my behalf and they hung up on her I waited and waited for the papers it took 3 weeks to get and still havent heard from them about help