WillisBack/dataset-financial-user-claim huggingface dataset:
My financial situation have not improved, and I am still searching for a full time job without success so far. And, I am struggling to even pay my rent and other basic necessities. As a result of this, I have been negotiating payment plans with my lenders. One of them, namely, CashNetUSA, is being tough with negotiations. I have explained my current dire financial situation with them. And, for the past 2 months I have been begging them to give me an extended payment plan in which I will be paying them {$50.00} per month until my loan is paid off. I also begged them to stop charging additional interest to my balance with them since, so long as they continue charging their high interest to my balance, my proposed monthly {$50.00} payments will never pay off the loan. CashNetUSA refused to consider my request. Meanwhile, my loan with them have continued to accrue interest which they capitalize to my balance, thereby making my balance with them to continue to grow every day. I will be glad if you will assist me in persuading CashNetUSA to consider my request.
I have been subject to collection activity by Ltd Financial services i have disptuted this debt and collection me methods myself and through my attorneys. so far, neither my attorneys nor i have been able to get veriification of the debt owed. after a settlement for violation of of FDCPA in retaliation LTD reported to XXXX, XXXX and XXXX this alleged debt.
I opened a Federal Student Loan to attend XXXX  after I completed my XXXX I became XXXX XXXX and could not work. I requested that the lender forbear my account because of my medical situation. The Loan only had my account in forbearance for a short period and even after my continued request for Loan forbearance the servicer reported negative account information to the Credit Reporting Agencies. I have since had my XXXX Loans completed discharged because of my XXXX medical condition however the Prior Federal Loan Servicer continues to report my account negative even though it has even past the 7 year statue of limitation.
Equifax completed its investigation of disputed account information that I submitted. While I appreciate the removal of multiple accounts I had no knowledge of, there were three accounts verified. I am confused as to how Equifax could have verified the account information when I, myself, have contacted XXXX XXXX on multiple occasions and received no response. Once was through direct mail, the other through the Consumer Financial Protection Bureau. XXXX XXXX now only appears on my Equifax report. Neither XXXX  or XXXX were able to verify the information XXXX XXXX provided and deleted the erroneous information from my files. 

On XX/XX/XXXX I sent a request for validation XXXX XXXX.. Pursuant of the FCRA and FDCPA I demanded a cease of collection activity until validation of the debt occurred. The company never sent the proof of debt validation but they continue to report the erroneous information. For your convenience I have included a copy of the deletion transcript provided by XXXX and XXXX. Since three other parties have tried to verify the information supplied by XXXX XXXX, I would like to know a detailed description of how Equifax, verified the information.
I do not have any type of contract with this company. I have tried to reach out to source receivables multiple times about this issue. Proper Validation has not been provided and several FCRA violations have been made.
Judgment satisfied Equifax only C R B not removing from derogatory remarks so why pay judgment if not going to remove bad marks against you should n't of paid I see lots of people same problem with EQUIFAX this should be stopped! Paid, should not stay on report for seven years! how are people having hard time but still repaying suppose to get back on there feet Defeats the whole purpose!
Repeated calls and threats from  XXXX , calling themselves  Integrated Service s. But this is only the latest of MANY collection agencies who have harassed me for  XXXX  years over a debt owed by someone named  XXXX   XXXX . Of course,  if ANY  of them did their due diligence, they 'd know that  XXXX  is NOT  XXXX  's number. I 'm tired of telling them this, only to have the calls and threats continue. This has been MY number for  XXXX  years, there 's no  XXXX   XXXX  here, I do n't know any  XXXX   XXXX , and this harassment needs to stop.
This is a tax lien from XX/XX/XXXX that has been paid and released in XX/XX/XXXX. It is still showing on my report. I thought it should be deleted from the report by now. 
Tax Lien Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Amount : {$3800.00} Class : State Date Reported : N/A Lien Status : Date Released : XX/XX/XXXX Date Verified :
I disputed a medical bill on my credit report. i disputed it with the credit bureaus and with the collection agency who reported the bill to the credit bureaus. in attempting to verify the debt, thr collection agency sent me an itemized list of medications with a total that was well below the total they claimed that I owed and haphazardly used and shared sensitive and private medical information in the process. I sent the collection agency another letter of dispute, and also disputed the information with the credit bureaus again. HOWEVER, the credit bureaus have marked the bill as verified and are no longer allowing me to dispute the bill with them, due to the fact that they have already " investigated and verified the debt '' but can not disclose the sensitive information that proves the debt has been verified.
I recently received a letter from ConServe yesterday, XX/XX/XXXX, stating that I owe a balance to XXXX XXXX. I drafted a letter today, XX/XX/XXXX,  and sent via certified mail to both the debt collector and XXXX XXXX stating that the debt - in its entirety - is invalid and that until XXXX XXXX produces all documentation asserting the existence of such a debt, that the debt is invalid and not to be pursued as outlined in the FCCPA and FCDA. 

However, I have been receiving calls nonstop from ConServe since XX/XX/XXXX, and they are beyond harassing and aggressive. This is a violation of the FCCPA and FCDA, which state that if a person contests the existence of the debt, that the debt collector is not to pursue the collection of the debt. ConServe has no regard whatsoever for federal law and Florida state statue, and their behavior and relentless tactics is reprehensible at best and at worst illegal.
XXXX, my new loan service provider, abruptly dropped their services on my lap without any warning. I knew this because XXXX sent me an email on XXXX XXXX stating that they would no longer service my XXXX loan. By doing this they have removed the platform upon which I make timely payments to repay my XXXX loan, and forced me to find only one person on the planet at XXXX who might be able to help me. However, she is n't available until XXXX XXXX. In the mean time I am locked out of my account that XXXX took control of. I ca n't call them because their system wo n't recognize my social security number. I ca n't access my account online and they ignore my email communication ; in fact, I have no receipt from them that they received my email communication. Finally, I ca n't make a payment. I 'm a ghost to them, and my unblemished credit is at risk because of the incompetence of XXXX.
TransUnion website do n't allow me to dispute items. When I called TransUnion either they are busy or automatic service voice say the department is closed. 
I been disputing items on my credit report with TransUnion in the pasts and even mail in proof of old credit report how the creditor would either change payments status, change things and continue to allow credit items stay on my credit report when its over 7 years mark supposed to be deleted.
I had a fraudulent transaction on my checking account. I called Chase the next day about the fraudulent transaction. After two months later, I was told that the claim is denied because the merchant provided that the packages were delivered to an address.I do not know how the theft stole my information online. It was an online transaction and the theft used my name, address and card number to made the purchase. However, the shipping address is not mine. I am living in XXXX and the delivered address is in XXXX. I did not receive any package.
XXXX contacted me that a card applied for can not be approved because Equifax does not have my SSN on file. I contacted Equifax who said I should send my SSN card. When I did they rejected it because it has can only work with XXXX  authorization they refused to use it to add this to my file even when this card was issued to me as a XXXX. 
I need my file to be corrected.
Contacted by collection agency, regarding debt that is well past the Statute of Limitations for Oklahoma ( my state of residence. They have contacted my son on several occasions, using language that indicated this is a serious legal matter requiring my immediate attention. They do not identify who they are and the purpose of the call.
Mortgage Company can not prove they have legal transfer of the Mortgage and have denied XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX due process and have filed for foreclosure without negotiating some type of alternative arrangement with me relative the house. I was never subpoenaed for the hearings and they have engaged in an illegal foreclosure process. They have tried to take the loan by illegally offering to pay debtor {$10000.00} then revoking the offer once they could not prove mortgage ownership.
After the two years of paying PMI ( Private Mortgage Insurance ) in addition to the mortgage on our house, we applied to have our PMI removed since we had paid off XXXX % of our house value with SunTrust Mortgage Corp. We worked with SunTrust to find out what steps were required - they told us to submit an application to remove the PMI. We did, and a month later we received a letter in the mail stating that we also needed to include a check to cover the cost of the appraisal. We sent off another application, this time including the check, to the PMI department. After over a month of no contact, we reached out to SunTrust customer service and were notified that the PMI department lost the application and check. We paid our bank the {$25.00} charge to cancel the check and then sent the PMI department a third application and check. This one was received, although it took SunTrust another month to arrange the appraisal and then subsequently remove the PMI from our bill. Through poor communication on the part of the PMI department and slow-moving processes, we paid an additional XXXX months worth of PMI after the process began. If Customer Service had known to ask for a check, we would have saved all XXXX months ' worth. If the PMI had not been negligent and lost the second application, we would have saved two months ' worth. If the PMI department moved faster than a glacial pace, we would have saved one month 's PMI. I have spoken with XXXX Customer Service representatives at SunTrust that have both admitted that the PMI department should refund us at least two of the months ( after the XXXX application was lost ), although the PMI department denies any fault after turning down a request to have those months ' PMI charges reimbursed.
I previously challenged the accuracy in reporting of several bankruptcy listings on my Transunion report. Federal Courts, because of privacy laws do not release social security numbers to credit bureaus. Pursuant to Rule 1005 of the Federal Rule of Bankruptcy Procedure all documents filed with the court are to contain only the last four digits of an individual 's social security number or tax identification number. The XXXX XXXX of Illinois does n't provide any information to any credit bureaus, all this information is obtained via third party. I would like to know how Transunion can verify the validity of the bankruptcy entries listed on my credit profile. Transunion has also failed to provide the name of the furnisher, address and telephone number. My social security number and the social security number listed in the federal courts do n't match. How can Transunion tie this account to my name and credit profile? This is inaccurate reporting and a violation of the Fair Credit Reporting Act. My social security number does not match what is in the bankruptcy records. I 've verified this information through XXXX. If, the bankruptcy does match my records Transunion needs to match my full nine digit social security number along with a filing date and case number and if not Transunion must DELETE the entries associated with bankruptcy from my credit profile.
This company is attempting to collect a debt that is not mine. I also received no notification, either by phone or by mail, informing me of this supposed debt. I believe that they are violating my rights per FCRA by not taking these steps to honor my right to contest this collection.
XXXX/XXXX/16 : I spoke with a Chase Sapphire Preferred Customer Service representative about downgrading my card to a no annual fee card after seeing an annual fee appear on my statement. The representative told me that I had a 180day grace period to decide on the change and the annual fee would still be waived, so I chose not to downgrade my card that day to give myself time to decide whether to keep the card or not. 
XXXX/XXXX/16 : Spoke with XXXX ( XXXX? ) around XXXX PST on the Chase Sapphire Preferred Customer Service line to downgrade my card to a no annual fee card within the 180day grace period. She told me that the grace period for downgrades was actually 60 days, not 180, and that this has always been the company policy. Now instead of having the annual fee re-credited to my account, I have only received a prorated amount based on when I downgraded. 
XXXX/XXXX/16 : I called back to see if I could get any more information about the call I made in XX/XX/XXXX and spoke with a CSP supervisor regarding the misinformation, and he told me that there is no grace period for downgrades and that the annual fee would be prorated no matter the amount of time after the downgrade. He also put a complaint from me on file. 

I spoke to XXXX different people and got XXXX different answers, which can make up to a {$95.00} difference on my account.
I filed a police report with the XXXX Department XXXX XXXX XXXX. I sent the police report to the three credit agencies. 

XXXX and XXXX received the police report and blocked this information : 1 ) XXXX XXXX # XXXX 2 ) XXXX XXXX # XXXX 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX  XXXX # XXXX 5 ) XXXX XXXX # XXXX 6 ) XXXX XXXX # XXXX 7 ) XXXX XXXX # XXXX 8 ) XXXX XXXX # XXXX 9 ) XXXX # XXXX 10 ) XXXX XXXX # XXXX They sent notice to EQUIFAX AND XXXX stating : Blocked fraudulent infromation and provided the accounts. 

After speaking with Equifax they stated on the phone : " We received notice that XXXX XXXXnd XXXX received a VALID police report and blocked the above mentioned accounts ; however, at this time we take notice to rescind the block '' I asked why? They stated they have no reason ; they do n't block fraudulent accounts. 

SO! They verbally told me that they ignore the FCRA 605B LAW which states when they receive a valid police report from the police, credit bureau or consumer, they are required by law to PROTECT me, the consumer, and block and remove the information immediately. 

Equifax is ignoring this law. They are ignoring a law enforcement report. They are also ignoring their fellow credit bureaus which they share certain information this. 

This is not LEGAL. This practice needs to stop.
I found fraudulent charges on my checking account twice, citizens bank did not catch these transactions. After filing the paperwork to have them investigate these charges and opening a new bank account with citizens bank they placed the compromised account in " credit only '' status and the account had a XXXX balance, it was suppose to close 7 days later. This was XX/XX/2016, today is XX/XX/2016 and citizens bank informed me I owe them {$140.00} that has since been withdrawn/overdrawn. How did this happen? If it was at XXXX dollars, did bank fees cause this? More fraudulent charges? They ca n't tell me why, they are '' looking into it ''. To add insult to injury, I received a new debit card with the chip in the mail which I called to activate because it would n't work at an ATM. Customer service assured me that they activated the card. So I go grocery shopping and go to pay and the " transaction is not approved ''. I could n't use the new debit card as a credit or debit card. After 1.5 hours on the phone with XXXX different customer service representatives they believed I would not have any more problems. However this debit card was issued for the compromised bank account I thought I closed over two months ago. Needless to say the PIN number did not match and now they have to send me a pin reminder. Apparently today after another 45 minutes speaking with customer service that is what the problem is. I do n't believe any of them. And citizens bank is still claiming I owe them {$140.00} in order to close the other bank account. Is n't a bank suppose to protect your money and help their customers? I feel like between the XXXX branch that originally " closed '' my compromised account and card services that issued me a new debit card for an inactive, compromised and closed account what are they doing??? I do n't make a lot of money and yet they keep taking more and XXXX me!!! I have lost all faith in this institution and ca n't wait until the last couple of bills I paid clear so I can CLOSE my account and get out of there. I wonder how much money they take from people that are n't paying attention. These people are crooks and this is a crime! Citizens bank is awful, do not bank with this company!!!!!! There are so many banks out there, I am sure I can find one that is willing to protect their customers.
I am requesting a new home to be replaced by JP Morgan Chase Bank!! My property was XXXX XXXX XXXX, XXXX, New Jersey and I was wrongfully foreclosed upon by Washinton Mutual, JP Morgan Chase Bank! XXXX XXXX is a female veteran who served her country and I am waiting for full restitution and a mortgage free home immediately! I applied to XXXX XXXX XXXX loans and they in bad faith did not give me the second mortgage I needed to keep my home. I am seeking monetray damages for the emotional distress that this placed me under. Washington Mutual failed to modify my loan as well, when I requested a loan modification!
Every time i try to check my credit score it says my personal information is incorrect. I put in all my old addresses and nothing.
This is the first time that I have received anything from Cavalry SPV I , LLC. They came to my home Yesterday, XX/XX/2018 and found my guest at home during the day, of which I was at work. When I came home, they said that someone came to the door and tried to beat it down, then handed them a package of which they signed. I was not home at the time, but they gave these documents to my guests to accept and to sign, which is against the Federal Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 and Maryland Consumer Debt Collection Act ( MCDCA ) 14-202. Their process to serve me a summons to appear in court was handled poorly and cause damages. I have suffered statutory damages of confusion, humiliation, and stress of sharing my personal information with persons not associated or connected to this debt or account. In addition, this has brought significant emotional distress and mental anguish due to the humiliation of my guests having to hand me these documents of which they already read and adjusted, prior to me reaching home from work, yesterday. 

Secondly, Maryland Statutes of Limitations is 3 years, they should comply accordingly. 

Thirdly, my Military Status, at the time, my husband, XXXX XXXX XXXX XXXX XXXX was transferred from XXXX to XXXX, now in XXXX and I was not working for 18 months and hence the decline in funding and change of address. 

Cavalry SPV I , LLC has actions against FDCPA 15 US Code 1692 and MCDCA 14-202 Collector abusive practice to harass and pretend to sue, only to collect a debt, however I was unable to pay due to loss of job and moving to another state.
On XXXX XXXX, 2016 at XXXX a.m. I contacted The XXXX XXXX XXXX XXXX that is listed on my credit report about a civil judgement and I spoke with XXXX in the records department and he informed me that XXXX XXXX XXXX XXXX does not report to the XXXX credit reporting agencies and there was no way that they could have verified anything with them. On XXXX XXXX, 2016 I sent Equifax a letter stating that this account is not reporting accurately and for them to delete this account. On XXXX XXXX, 2016 I was able to look up the results of my dispute online and find out that the Judgments have been verified by the XXXX XXXX XXXX XXXX and was provided with their contact information and to contact them for any questions. The results of their investigation is completely untrue and a lie due to me contacting XXXX XXXX XXXX center myself and was told that they do not verify nor report anything to the XXXX credit reporting agencies. I then contacted Equifax on XXXX XXXX, 2016 at XXXX XXXX at XXXX XXXX XXXX XXXX and spoke with XXXX and asked about the results of my dispute and how was these XXXX judgments were verified when this company does not report to you all, he said that the company did in fact verify this information. I then requested to speak with a Supervisor and her name was XXXX supervisor of XXXX XXXX and she came on the phone and said something different then what XXXX provided me. She said that they send someone out to the courthouses to verify public records. I then informed her that on my credit report I was not provided with that information. I then asked her to provide me with the name of the individual that went to the court house to verify these XXXX judgments and she was not able to provide me with the information. This company are reporting inaccurate information to my credit report and also reporting fraudulent information to me about how they verified the XXXX judgments. 
I have upload the results of the investigation and the information that they provided me
There are 2 Georgia State Tax Liens on my credit report for XXXX and TransUnion and they are incorrect. 1. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$2500.00} and 2. Reported XX/XX/XXXX Georgia State Tax Lien in the amount of {$5600.00}. As displayed on the most current Georgia Delinquent Taxpayer list, my name is NOT on this list. I do not owe this money. Please have these 2 liens removed from the XXXX and TransUnion and XXXX Credit Unions.
Received a letter on XX/XX/XXXX stating I owed almost {$1800.00} to XXXX XXXX. I called the company ARA Inc.on XX/XX/XXXX to inquire about this. Yes, this letter got misplaced in the shuffle of mail in my house. They said it was a XXXX credit card from XX/XX/XXXX. A card from 15yrs ago that I know nothing about. She kept saying there are no statute of limitations, this needs to be resolved right now. I told her I would get back to her in a couple of days and she said I have till close of business today or I will be sued. I told her I would not be calling her back today, I will call back in a few days.
Paid XXXX for 4 years, returned the car and later they charge me for overage miles and try to work out a payment plan, which they later reneg and take me to court. I think this is excessive abuse of XXXX and its collections and credit bureau 's. I returned the car in 2010. Yet my negative credit report has to show that I did not pay them and is a charge off, including court judgment. What is going on in America? Collections, and Credit Bureau 's are abusing us and the system so they can charge 24.99 % APR? I 've paid every car payment on time, and XXXX and its collections agency should n't be allowed to abuse the system and its customers. The way it shows, it appears it was a charge off and I never paid them, when in fact it was fee 's and charges after returning the vehicle, so it has nothing to do with being a charge off of my $ XXXX monthly payment. THIS IS WRONG!