WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX of this year, I accessed my credit files through one or more of the credit bureaus and discovered a collection under the business trade-line for XXXX XXXX XXXX. This collection was placed by Resurgent Capital Services on " behalf '' of Pinnacle. " Resurgent is the owner of " pinnacle, '' which is easily provable through business records. Following my discovery, I disputed the alleged account with the credit bureau, I filed a complaint with the appropriate Better Business Bureau. I also sent a letter ( priority mail ; delivery confirmation ) directly to Resurgent disputing this alleged account. To date, I have not personally received any form of communication from Resurgent. An " XXXX XXXX '' ( who states it represents the compliance department ) did respond to the complaint with the BBB. That communication was forwarded to me. XXXX has made several false claims ; Beginning with the stated fact that this account had been " properly '' verified. I have never received any form of communication regarding this alleged debt ( written or verbal. ), from Pinnacle or Resurgent. There is the claim, that this company is in compliance with the FCRA and the FDCPA, however, I can prove that there are several violations of both. XXXX, also states that Resurgent " utilizes '' numerous third-party collection agencies, this account has been placed with more than one of these third-party agencies. XXXX has alluded to an internal investigation concerning this alleged debt. Followed by a statement that contradicts an investigation having been conducted. XXXX also falsely accused me of making statements that I did not make. And that is also easily proven. This XXXX has stated that it is MY responsibility to provide this company with proof that I do not owe this debt. This company has made the claim, alleged and/or accused me of owing this alleged debt. It is the responsibility of the company to legally prove that this is a legitimate debt. That I am legally responsible for this alleged debt. XXXX made more than one statement that can be construed as defamatory. Statements, that I consider expressed and implied threats. XXXX, on behalf of Resurgent has infringed on my legal rights. As well as attempting to use intimidation/bully tactics to force me into complying/agreeing with the narrative of Resurgent. I have attempted to get the appropriate information regarding the alleged debt directly from Resurgent. As I have stated, to date, Resurgent ( or XXXX, acting on behalf of Resurgent ) has refused to supply this information. Resurgent/Pinnacle need to be thoroughly investigated by both the Federal Trade Commission and the State of Georgia Attorney General 's office. Though, this XXXX, is only acting on behalf of Resurgent, this person needs to be held accountable for its words and actions.
I was assisted by my school XXXX that is now closed and turned out to be a scam school to get a loan through XXXX. Once I had graduated from the course which I was told credits would transfer and I would be able to use them, for a real college which was a HUGE lie it was time to pay back the loan. Due to hardships such as a lost job, car trouble or just other surviving expenses I routinely would return the call of XXXX\navent after them calling 50-100 times a day asking them how they could help me pay back this loan that I had taken out in XXXX that was for about XXXX. Each time I spoke with them they suggested putting my loan into deferment \ forbearance to caltch up with my late payments, I had several family members call also to help me get ahead of this now daughting XXXX dollar loan that I am trying to STill figure out which would be the easiest cheapest way to pay off this loan. Ive called XXXX\navient several time in the many years of dealing with this loan and was always told I did not qualify for my payments to be lowered as well as told I was not making payments on loans when I was in fact sending in payments that where only going to XXXX of the XXXX parts of the loan which caused me to fall even further behind on this loan. Yes it was my fault for letting the issue go but when you have to pay rent have a car payment and have to put gas in your car to get to work so you have money to put food on the table for yourself and kid I think its crazy to tell someone that they do n't qualify for lower payments for the past 11 years and only up until I called them in the last month and stated I had a child which I had in the past did they give me the option of lower payments which a longer time frame of having to pay off the loan .. How do these companies expect people to ever get a head, I filled for bankruptcy last XXXX just to try and start over but I feel like this loan is just the one thing holding me back from getting my finances together. I would really like to know why it took so long to offer me any sort of lower payment solution when there was in fact after doing research a law passed in XXXX stating that student loan companies had to make it easier to pay these loans back, also still instead of trying to help me pay this loan they offer putting it back in deferment like its the best deal in the world when in reality its just making me owe them more money ... Please help me take this burden off my shoulders that I have had since XXXX and tell me what 's the best pay to way off this loan without having to go broke in the mean time ...
I used to live at XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX in XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my XXXX and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and National XXXX.Please find attached document showing details of my schedule and program for my XXXX.
Ebay floods inboxes with offers to " sell for free '' " list for free '' after the consumer falls for the deception and sell an item they are hit with a bill for the seller fees. When contacting ebay they explain that " It does n't matter what the email title says, if you read the small print you 'll discover that they are only waving the {$0.00} listing fee. 

Ebay also floods inboxes with email that state " sell a ____ ( in my case a smart phone ) by a certain date and get a {$25.00} ebay gift card. in the small print you 'll find that the card will be issued at ebays leisure usually within XXXX weeks, and the card must be used by the date on the card. what they do n't disclose is the date on the card will be XXXX days from when the email is sent. 

I fell for both of these deceptions, while selling my iphone. I would never have used ebay if it was not for the email that said " sell for free '' and the " sell a smartphone by ___ and get a {$25.00} gift card '' was a bonus. 

After the sale I went fishing for a week upon returning home I found I was hit with full seller fees and the gift card was expired by the time I even knew I had it. 

In disputing this with ebay they were unwilling to see the error of deceptive marketing. how ever they did offer to settle for 50 % which was {$17.00} and change, I told them to use the gift card that I never got to use, and was told I cant use promotional gift cards to pay this debt.
I applied to a loan. Transunion inform the bank that my automobile was placed for collection because I did not paid on time. I went to XXXX Bank in XXXX XXXX to claim that the information was a mistake. In XXXX 2015 I paid the car loan completed and today I have the title of my car. The Bank blame TransUnion or the computer. Then I called TransUnion and they blame the bank. Meanwhile, I need the make a loan and because of this situation now I have to paid 12 % of interest instead of 4 % due to the error on my credit report. Someone has to paid this mistake. I am very disappointed with both XXXX Bank and TransUnion Credit Report.
Thank you for taking time out to review my complaint. 
I have a XXXX XXXX XXXX account with Synchrony bank and my bills are due on the XXXX of the month. I have made payments on the XXXX of the month and Synchrony has assessed {$38.00} late fees on my account. I am paying on the due date and the fees are assessed and then they post a day, two or even a week later.

I recently discovered that this has been going on for some time when I decided to check my bill because I wanted to pay off the balance. I have bank statements along with screenshots of the bill being paid on the XXXX of the month accept for XXXX. This is where i discovered the issue. I asked to speak with a manager and got XXXX who told me that is not what her screen shows.
I would like to file a complaint against Chase Bank. I held a mortgage with Chase and unfortunately due to unforeseen circumstances I had a dramatic loss of income and was unable to make my payments. I approached Chase about a loan modification and began the process. Chase granted me a total of XXXX loan modifications and after a couple years of continuous stress accepted the last XXXX. We met every criteria they had for us regarding each and every modification but at the completion of each threatened foreclosure and the process began again. At the time of the final modification we were over XXXX in arrears. As part of the loan modification agreement Chase stated they would remove ALL late payments from my history and to the credit bureaus. This has not happened and am looking for them to hold good on their promise of removing the lates off my payment history and with the credit bureaus! This should have been done and needs to be done as soon as possible so I can obtain reasonable financing.
I signed up for a CitiGold checking account with Citibank. I was induced to sign up by a promotional code that I received. The promotional code was for XXXX XXXX XXXX points. I completed all of the requirements for the promo. After completing the requirements, I called CitiBank XX/XX/2016 to verify that I met the requirements to receive the promo. The CitiBank representative informed me that I indeed met the requirements. Further, CitiBank sent me a secure email stating that I had met the requirements to receive the XXXX XXXX points. They also informed me that I would receive the points within 90 days. I waited over 90 days before contacting Citi again. During that time I was paying {$30.00} per month for my CitiGold Checking account. When I spoke with Citi after the 90 days they informed me that they would have to investigate if I qualified for the promo. I told the rep that I had an email from Citi from XX/XX/XXXX that said that I qualified for the promo. The rep told me that Citi would still need to investigate and that I would receive a secure email from them in 1 to 2 days. After 3 days I still had not received the secure email from Citi or the XXXX points. I called citi again and the rep that time told me that the investigation would take another 7 to 10 days. During the entire time of their investigation I will be paying {$30.00} per month for the CitiGold account. I would like to receive the promotional points that I was promised under the terms of the promo and by the email I received from CitiBank in XX/XX/XXXX.
Well for the past few months I have contacted Capital One requesting someone speak to me about my accounts that I have with them and the issues I had faced when I went through a very bad divorce and lost of income at the same time. Now I have been a customer of Capital One since XX/XX/XXXX and one in XX/XX/XXXX the  following year so you see I had a great relationship with them at least I thought it was good. I have always paid my bills with them and if for any reason I was late due to computer or forgot to make payment they have always worked with me and refunded back fees. Well in XX/XX/XXXX I lost my job and things got real hard for me and my daughters. I had a almost XXXX year old and an XXXX year old watching me struggle to keep things a float, this lasted months just unable to pay them even the minimum payment in XXXX I was hit with my first late payment that killed my spirit. Since rent was more then I could handle after my husband left us. Not to say it's anyone 's business and they should feel sorry for me but I am and have always been a great customer. All my accounts started going down hill they were being charged off right in front of my eyes and there wasn't anything I could do since I was unemployed and every little bit of money I did have I used on the house to keep roof over me and my kids heads. 
Well I went XX/XX/XXXX thru XX/XX/XXXX trying to find work and pay the credit card companies whatever I could and some accounts closed and charged off but with me I knew all these were my bills so I was going to pay them all off even the charge off ones even if it killed me as these were my responsibility. An amazing thing happened for me finally I found a job and was able to pay my bills again it took sometime but I did my best to give every card company something. Then in XX/XX/XXXX I logged onto any account I could still get into and paid off all balances with each card charged off ones, open accounts all got paid in full. Anything that went into collections and was sold to another vendor I paid off. Well in doing that I was able to get some of my credit card companies to reset my late payments that had made it to my credit report. Today I battle the fact that someone has stolen my identity and I spend my days calling the bureaus and credit card companies asking for forgiveness and along with putting alerts on my credit cards and reports.Being late isn't something people plan or what to do at least not me but all of this hit me hard when I hit hard times and couldn't afford to make my payments on time and was hit with late payments on my credit report. My hands were tied since I couldn't afford to pay but the first chance I got I did pay off everything.
I attended XXXX XXXX college between the years XXXX-XXXX. I did graduate with a XXXX XXXX degree and a minor in XXXX. I was given the most expensive loans before given the federal loans. I owe Navient $ XXXX in private student loans! I should have never been approved for this amount. I find myself extremly XXXX ALL the time! I ca n't live with this dept anymore. Two years ago, on or around XXXX or XXXX, I recieved a phone call from a Navient representative telling me that they would send my mother, who is a co-signer, in jail if I did n't pay up. At the time I had not maid any payments because I was still in school. I was attending XXXX XXXX XXXX full time. After almost tow hours arguing on the phone, they placed me on a plan to only pay {$480.00} a month, this ONLY covers the interest! No payments have gone to the principal. They also warned me that if I miss a payment, I would for sure go to jail. They said that if I chose to go to court I would have to pay for Navients lawyers and their time! Is there ANYone who can help me with this? I am going out of my mind!
I have attempted to dispute this item with Equifax several times and they have failed to provide me method of validation/verification used. This account is not mine and I would like for it to be investigated properly and or deleted ... 

Accounts : XXXX , XXXX - Acct # XXXX I have no knowledge or records of the listed account ( s ). 
Please advise me as to the name and address ( es ) of the medical provider ( s ), the date ( s ) and type ( s ) of service, and to whom the service ( s ) was ( were ) provided, as any account ( s ) I might have had may be obsolete. 

If you can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies.
I have an issue with payments being issued to the account properly. On occasions representatives have keyed in incorrect account numbers as well as payment being made to Capital One directly to the branch offices and incorrect credited to the account. During several occasions I have asked for the payment investigation dept and was sent to the incorrect dept 's with rep 's out of my country while I was specifically as for someone in my own country as I have experienced issues with rep 's from outside USA have contributed to alot of these errors. On XXXX XXXX, 2015 I was to have a call scheduled to contact the institutions that were the issuer of the payments, XXXX came and passed and no one contacted so approx at XXXX I reached out to the credit card company Capital One only to be placed on an extensive hold with gaining no resolution ; I was sent to foreign countries with hold 's and disconnected. At approx XXXX I reached out to Capital One to try and get someone within the dept ; whom the day prior stated she would note and have a call back at XXXX on XXXX XXXX, 2015 which never happened at XXXX when I reached out to the executive office and spoke with XXXX whom did n't see notes of a scheduled and was very rude thus getting no help from anyone at Capital One to reach out to the branch within their own institutions or the outside bank that was involved, at this time the account remains inactive. Also I not being the primary but retains POA which is noted on the account but at times the reps state they can not find and to make matters more detailed at this time the creditor is requesting documents of the primary such as ID Social Security as well as utility, documents will be provided and I stated to the rep during the last call that documents will be provided but payments will be ceased and none will be continued until resolution is made. Please note that on a separate occasion when there was an issue with the remitting institution and I permitted and allowed a 3-way call with myself validating the account and allowing Capital One fraud department to ask any necessary questions they had.
I am contacting you from an attorney 's office. We are in the process of selling real estate. We ordered title insurance commitment from XXXX XXXX XXXX XXXX, of XXXX, WI which showed three ( 3 ) mortgages against the property. One ( 1 ) of the mortgages has now been satisfied, the other 2 are from HSBC XXXX XXXX ( purchased from XXXX XXXX XXXX ). The title company put in requests for both Satisfaction of Mortgages in early XX/XX/XXXX (  around the XX/XX/XXXX ). Today is XX/XX/XXXX, and we have made MANY phone calls to this company ( after waiting on hold for 40mns each time ) to get these satisfaction of mortgages. HSBC states things like they have put in the request, they are in the process or they do n't know anything about it and have to start all over again. We are about to lose our closing. All we want are the 2 Satisfaction of Mortgages for clear title on this property by a company that acknowledges that these loans have been paid. We will lose our closing on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX telephone ( XXXX XXXX XXXX fax XXXX
I sign up for a bank of america credit card after receiving an offer from them, this offer include XXXX annual fee. But a year later, they charge me an annual fee against their term and condition, but this is just a start of a series of fraudulent charges and actions that cause problem for me as their customer. 
After that annual fee charge against term and condition, I decide it was best to pay off the balance to XXXX on my bank of america credit card to close my account as I do not want to deal with a bank that do not respect their own term and condition. So I pay off my balance to XXXX   on XX/XX/XXXX. however, their automatic payment which is supposed to charge a minimum payment if customer owe them money charge me a {$25.00} on a XXXX balance bringing my account balance to negative, which essentially means they owe me money. then they charge me interest on money they owe me, and then they process a returned payment fee of {$25.00} on a fraudulent charge with they could not charge me on a XXXX  balance, then they process another returned check fee of {$25.00}. Essentially, they tried to rob money on a XXXX   balance account and when unsuccessfully doing so, they continue charging me fees for not able to charge fraudulently. 

These fraudulent charges were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX respectively. then what is even more ridiculous is they locked me out of my own online account, refusing to let me log in to view other transaction. then because of their fraudulent charges and they refuse to correct their mistake, my account has a positive balance even though the true balance is they owe me money on a XXXX  balance account. 
What I did not know is after this, they close my account and send incorrect information to the credit bureau saying my account was delinquent even though they mistakenly charge me money and they owe me money, not the other way around, so not only was I not late, but I was fraudulently charged by bank of america who owe me money, this happened over the course of a few months without me knowing because it is incorrect action on bank of america after logging me out of my bank of america online account drop my credit score by over a hundred points, which would take years to repair. I submit a consumer complain here previously and they responded telling a lie that they did not do any fraudulent charge and completely fabricate a story about the charges which is completely different than what was shown on the account. 
Not until six months later in XX/XX/XXXX, and drop of over hundred point of credit score dropping and damage on my credit report that they accept that their charge is fraudulent, and pay me back to a XXXX balance account, at least that is what their representative told me on XX/XX/XXXX phone conversation today. However, at this point, my credit score has been damaged substantially by mistakes and fraud charge on bank of america, and they still refuse to fix this with the credit bureau as well as remunerate and reimburse me for the hours they wasted of my time for their incompetence and deception and fraud charges, as well as the damage on my credit score that they did.