WillisBack/dataset-financial-user-claim huggingface dataset:
RE : Cavalry partial account # XXXX Cavalry Portfolio SVCS has deliberately manipulated records, particularly the date of last activity and misrepresented this account in a scheme to blackmail me into paying them over {$1300.00}.

The above mentioned account is an old XXXX XXXX credit card which was closed due to fraud back in XX/XX/XXXXwith the date of last activity of XX/XX/XXXX of XX/XX/XXXX. Michigan Statute of limitations to collect on this type of debt is 6 years. This debt is now over 8 years old.

I have written Cavarly Portfolio twice requesting all records and accounting on this alleged debt and informed them this debt does not belong to me. My most recent letter was dated XX/XX/XXXX.

Cavarly Portfolio has refused to provide those records and alternately become more aggressive trying to collect.

I will prove that Cavalry Portfolio has been engaged in fraud against consumers for years.

I will prove Cavalry Portfolios intent is to commit fraud on consumers by willfully manipulating records and refusing to provide consumers with those actual records as part of their long standing scheme to misrepresent facts and mislead the courts, the credit bureaus and consumers for their own profit.

Cavalry Portfolio has also provided untruthful statements to XXXX, XXXX & XXXX  in a premeditated scheme to manipulate the Credit Bureaus into reporting this unlawful and uncollectable debt to my credit reports.

These and other willful schemes of Cavalry Portfolio has caused actual damages to me and my family. I have been turned down for auto loans by XXXX XXXX, XXXX   XXXX, XXXX  XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX   XXXX on XX/XX/XXXX, my insurance rates have increased by 100 %, I have been turned down for credit with banks and turned down by a landlord.

I am filing a small claims suit because it is the fastest way to get a court hearing. Otherwise, I would be filing a civil claim in State and/or Federal court.

Through my research, it seems Cavarly Portfolio has a history of manipulating records and attempting to collect on debts they have no legal right to collect.

I have requested records of this debt and Cavalry Portfolio has refused to provide those records in an attempt to conceal the facts that this account is more than 8 years past since the date of last activity.
Have been receiving calls daily from Cash Central requesting my information such as ss # and address. I repeatedly told them I have not ever done business with them and to not call me. Calls persisted. They even contacted my brother to ask me to call them. 
Today received email from credit monitoring to review my account due to activity. I noticed XXXX with a balance amount of {$3800.00} which I never took out. States on report that account was open on XX/XX/XXXX, 2017. Once again, I never took out a loan or have dealt business with this company..
I purchased a number of items via Paypal on eBay. I asked that my credit card be charged. Instead and without my authorization, Paypal debited my bank account in which there were insufficient funds. Paypal via " XXXX '' it 's supervisor, admitted that they did this intentionally against my instructions but refused to credit me for the overdraft charges on my bank account or to remove my bank account from my Paypal account. Paypal also promised to send me an email admitting that this was completely their fault but never sent it.
It has been two months that I have been asking for verification, still have an unverified account from CREDIT COLLECTION SERVICES. I had previously disputed this account. I have never done business with CREDIT COLLECTION SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CREDIT COLLECTION SERVICES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CREDIT COLLECTION SERVICES. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
I was sent a bill for XXXX with zero explanation. I had not been provided service for a YEAR from this location. When I contacted them, they said it was for a denied service from my secondary insurance. I asked for verification of the service, the denial and all information proving I owed the debt. Instead, they sent me to collections. They did not verify the debt, they continued to attempt to collect on a debt not verified. 
I have made numerous attempts to collect the information to verify the debt, including contacting their XXXX party business management office in California. I have called them repeatedly as well.
PURCHASED  XXXX  USED  XXXX   XXXX   XXXX  FROM  XXXX    XXXX    XXXX  IN  XXXX  GA,  XXXX   XXXX . HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO  XXXX  FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE  XXXX . THEY HAVE BEEN REPORTING  XXXX  AND  XXXX  WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL   XXXX   XXXX  . I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF LIFE THREATENING HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH  XXXX  AND  XXXX   XXXX  FOR OVER A YEAR, AND  XXXX  IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER  ONE  HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS.  XXXX  WHO WORKS WITH  XXXX   XXXX   {  LAWYER } FOR  XXXX   XXXX   XXXX  IN  XXXX  GA. I AM RETIRED   XXXX    XXXX  AND  XXXX   XXXX . HAVING  2    XXXX   XXXX  .  XXXX  ON   XXXX   XXXX   AND   XXXX   XXXX   14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION..  <P/>  XXXX ,.
Below are the names of people and/or organizations who have obtained a copy of my Credit Report without my knowledge. Per your companys request I have contacted ALL of the below companies and have heard nothing back. Upon researching a solution as these inquiries were not initiated by me, I found that Section 611 of FRCA says you can request the method of verification from the reporting agency ( your company ) and if such agency doesnt have legal validation : documents provided bearing my signature where I applied for credit from the below companies, or showing that I have a legally binding open account with the company, then such reporting agency must delete the file/inquiry. 

When I called XXXX XXXX, disputes for all of the below accounts were initiated and no prevail has happened. In accordance to Section 611 of FCRA, I have the right to request the name, address, and telephone number of each person contacted regarding the accuracy of the reporting of the inquiry in which your company spoke with during your investigation ( automated response or e-oscar verification is unacceptable ), yet your company has yet to furnish to me how you have concluded that these inquiries are valid. On my credit file there is a fraud alert and fraud police reports, yet your company is still allowing the pulling of my credit without myself being notified prior. My statement even states to call me prior, nonetheless unauthorized after unauthorized inquiry is happening almost daily.
XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ( XXXX ) { XXXX XXXX, XXXX ) { XXXX, XXXX } XXXX, XXXX, XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. 




XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX : XXXX PHONE : XXXX : WELLS FARGO BANK ONLINE CUSTOMER SERVICE DEPARTMENTINFO TO : XXXXDR.MR.PRESIDENT BARACK OBAMA HON . SECRETARY OF STATE XXXX XXXX DIRECTOR OF FBIINFO ALERT TO : XXXX.PRESIDENT OF XXXX XXXX XXXX XXXX XXXX XXXXVICE PRESIDENT OF XXXX XXXX XXXX XXXX INSPECTOR GENERAL OF XXXX POLICE SERVICE XXXX XXXX DIRECTOR OF XXXXDATE : TO RESPECTFULLY REFER TO THE ABOVE RELATED E-MAIL SENT TO ME BY WELLS FARGO BANK ONLINE CUSTOMER SERVICE CAPTIONED, " IMPORTANT MESSAGE FROM WELLS FARGO ONLINE '' AND TO PUT THE RECORDS STRAIGHT THAT I AM NOW IN XXXX AND SINCE THE HON.FORMER SECRETARY OF UNITED STATES TREASURY XXXX XXXX SENT THE E-MAIL TO ME AND INFORMED ME THAT HE HAD INSTRUCTIONS TO WIRE XXXX ONLY INTO MY BANK ACCOUNTS AND I DULY GAVE HIM MY THEM WACHOVIA BANK AND NOW WELLS FARGO BANK ACCOUNT THAT THE MONEY WIRED INTO THE BANK ACCOUNT WAS STOLEN AND THE FRAUD WAS DETECTED IN XXXX AND THE PERSON ALSO UNILATERALLY AND FRAUDULENTLY CLOSED THE ACCOUNTS AND I DULY REPORTED THE CASE FOR INVESTIGATIONS, AMONG OTHER CASES, THERETO. 
THEREFORE, I HAVE NO PERSONAL IDEA OR KNOWLEDGE OF THE PURPORTED TRANSACTIONS REPORTED ABOVE, THERETO. 
THAT THERE HAS BEEN XXXX MONEY TRANSFER INTO MY MTN REGISTERED ACCOUNT OF XXXX AND WHEN AT FIRST I DID NOT KNOW WHO TRANSFERRED THE MONEY INTO MY XXXX XXXX XXXX ACCOUNT THAT I RESPECTFULLY EXERCISED DUE DILIGENCE TO KNOW THE PERSON WHO TRANSFERRED THE MONEY INTO MY XXXX XXXX XXXX ACCOUNT OF MY TELEPHONE NUMBER XXXX AND I WAS DULY INFORMED BY THE XXXX AGENTS THAT TRANSFERRED THE MONEY INTO THE ACCOUNT THAT THEY KNEW THE PERSON VERY WELL AND THE PERSON INFORMED THEM OF MY NAME AND TELEPHONE NUMBER MENTIONED ABOVE THAT " I AM A VERY GOOD MAN/PERSON '' THAT I SHOULD GO AHEAD AND CASH THE MONEY. 
THAT AS A LAWYER WHO DID MANY CASES FOR PEOPLE AND HAVE STILL NOT BEEN PAID MY LEGAL FEES AND THE CLIENTS CAN NOT ALSO BE REACHED BY TELEPHONE THAT I HAVE ALSO SERVED " DEMAND NOTICE OF THE PAYMENTS OF LEGAL FEES '' THAT I HAVE NO DOUBTS IN MY MIND THAT THE MONEY TRANSFERRED INTO MY XXXX REGISTERED MOBILE MONEY IS A GENUINE MONEY, THERETO. 
HOWEVER, AS I HAVE ALREADY MENTIONED ABOVE THAT I HAVE NO KNOWLEDGE ABOUT THE WELLS FARGO BANK TRANSACTIONS, THERETO. 
RESPECTFULLY SUBMITTED. 
GOD BLESS XXXX AND AMERICA. 
VERY TRULY YOURS, XXXX XXXX XXXX, XXXX. 
INTERNATIONAL LAWYER/LEGAL CONSULTANTFrom : Wells Fargo XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; To : Sent : Sunday, XXXX XXXX, 2015 XXXX XXXXSubject : Important Message From Wells Fargo Online. 



Dear Customer, Wells Fargo detected irregular activity on your Account on XXXX XXXX, 2015. For your protection, you must verify this activity before you can continue using your Wells Fargo Account. 

Click on the link below to access and verify your statement. 

XXXX
Dear EXPERIAN : Please be advised that you are reporting the wrong Public Record information on my credit report. Please delete and/or remove the Bankruptcy from my report as it does not belong to me and is being reported in error : Record Type : Bankruptcy chapter XXXX-discharged, Filing Date : XX/XX/2013, Amount : {$0.00}, Reference Number : XXXX Court : US BKPT CT WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX, any help you can give me with updating this information as soon as possible would be greatly appreciated.
My name is XXXX XXXX, I reacently found out about a loan that is not mines an i aslo saw that i disputed it on my credit report a whe ago, did not realize that until i got a copy of it, and it was under a diff name. I spoke with XXXX  on/around XX/XX/XXXX. I advised them about a loan that was under my name that I did not take out because I never attended school in XXXX, nor did I know about this school. The amount was for {$1300.00}, through XXXX XXXX initially, then they said it was under XXXX XXXX which is now handled by XXXX formerly XXXX XXXX. 
I was advised to write a dispute letter and submit military documents as well showing that I was in the military and also signed up in XXXX. I did that, then after sending on those documents, they claimed they did not get them, so I sent them again, later after that I still hasn't heard anything and was sent a fruad packet to have done. Included in there they wanted a police report. I told them you can not do a police report for something that happened in another state -- in another state. I currently reside in Texas and this incident happened In XXXX XXXX in XX/XX/XXXX. So when I went to the police station yesterday, XX/XX/XXXX he stated the same thing, that he can not do a police report for something that happens in another state and jurisdiction but would take note that I went in to give him this information and gave me a file number as well. He also stated that the companies are supposed to use the number to request the report or what was taken down. So I advised XXXX  escalations team of this, and she continued to go back and forth with me and told me if its that easy then I can do it and I told her I would not then asked to be transferred to a supervisor. She made it seem like she only had one supervisor and said she would transfer me to their voicemail and basically put me on hold after asking to speak with someone over her. I need this situation to get handled because it is affecting me maybe receiving grants for the upcoming school semester. 
Police file # XXXX Jurisdiction, XXXX, TX Account # XXXX Amount : {$1300.00} Stafford Loan XXXX Escalations Dept.
I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to  XXXX   XXXX    XXXX    Since insurance company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with  XXXX  and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX To Whom It May Concern, On XX/XX/XXXX, I wrote to tell you that I had not heard about any specific action taken by you to re-verify the items I had identified in my credit report as inaccurate, outdated or incomplete. Please acknowledge receipt of the attached copies of my correspondence for your review. Since you have not given me names of persons you contacted for re-verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for re-verification, I assume that you have not been able to re-verify the information I have disputed. Therefore, you must comply with the Fair Credit Reporting Act and delete the disputed items from my credit report.I demand that you send me a copy of my updated credit report showing the elimination of the items disputed by me in the attached letters. According to the USC section 1681j, this copy must be provided at no cost to me. Additionally, I demand that it be postmarked within five days after signing the certified mail receipt you are holding. 
Your failure to provide me with an updated copy of my credit report with the disputed items deleted will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting act, Civil liability for willful noncompliance. Your credit bureau may be liable for : - Any actual damages I sustain due to your failure to delete the items.-Punitive damages as the court may allow.-Cost of the court action, plus attorneys fees.A copy of The purpose of this credit repair letter has been sent to the Federal Trade Commission, the Subcommittee on Banking, Credit and Insurance, and the Department of Business and Professional Regulations ( Division of Consumer Complaints. ) XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint : Charged {$10.00} Finance fee for making a principal Payment Account : XXXX Bank of America I mailed a {$300.00} check for to B of A for a principal only payment. On XX/XX/XXXX this payment was posted in three parts. A principal payment of {$250.00} ; a payment of {$50.00} of which {$40.00} was applied to principal and {$10.00} was a finance charge. The instruction stated principal only payment. My previous payment of {$440.00} posted on XX/XX/XXXX was the regular payment of P & I. 

* XX/XX/XXXX contacted B of A by online bank secure message outlining the problem * XX/XX/XXXX received response to call them * XX/XX/XXXX responded that the problem was easy to fix, if they need to call they could call me * XX/XX/XXXX a  representative ( or stated so ) called me, identified himself as BofA, started to ask personal identifying information ( which I refused to answer as they called me ) and stated they could not help me if I did not provided personal information. I refused and told them they should just credit back the finance fee. They hung up.
I started working on my credit report in XXXX 2017 and sent updates to each bureau and I seen XXXX XXXX, XXXX, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.
The New XXXX XXXX XXXX XXXX  Website is Here AXXXX XXXX   XXXX Shop smarter by taking advantage of all the featured offers Alert : Change to your credit file detected, XXXX XXXX  Experian to me 7 hours agoDetails Experian Membership ID # XXXX   Member Sign In XXXX , please review your alert Credit file There's been a change to your Experian credit file.

Click for details Image Image Don't forget If something looks incorrect on your Experian credit file, dispute it in our Dispute Center and well review it.

File dispute XXXX XXXX XXXX XXXX XXXX XXXX   XXXX This email was sent because it contains important information about your account. Please note that if you have previously unsubscribed from Experian CreditWorks Basic, you will no longer receive newsletters or special offers. However, you will continue to receive email notifications regarding your account. To ensure that youll receive emails from us, please add XXXX to your address book.

Privacy Policy XX/XX/2018 XXXX XXXX XXXX. XXXX is a trademark of XXXX XXXX XXXX.

XX/XX/2018 XXXX XXXX, an Experian company. All rights reserved. XXXX XXXX XXXX XXXX, TX, XXXX, US Experian Reply Forward XXXX XXXX XXXX Conference on " Integrating Spirituality, Mindfulness and Compassion in Me ...

JXXXX XXXX XXXX XXXX No Images? Click here XXXX XXXX XXXX Email Blast Powered By XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Like Share Forward Preferences | Unsubscribe This is the problem when requested to " unsubscribe '' with Experian marketing, promotions and charges for further credit reports was not a follow response that my email will be removed only that Experian is aware of a unsubscribe will continue send emails against a consumers wishes! If there others out there experiencing an like this I have file a compliant about this breach and imposed continued harassment of unwanted emails that needs investigation and amendments to respect others right to privacy instead still using it as a source of public records invasion, too!

Thank you for this time to respond to these wrong doings!

XXXX XXXX
I have disputed all of these unauthorized inquiries with all three credit bureaus. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX
I owed the XXXX ( XXXX XXXX, XXXX, MA ) a balance from what the insurance did not cover. I wanted to set up a payment plan with them I was told they could not do that, but they could set me up with credit from a bank for the balance. I was told the interest rate would be no higher than 14 %. {$1000.00} was put on the card when I got the bill the interest rate was 26.99 %. I called the provider Synchrony Financial to see if I could get the Interest rate lowered and was told no. I never would have agreed to this if I knew what the true interest rate was going to be. I feel I was deceived.
On XX/XX/XXXX and XX/XX/XXXX a late fee of {$38.00} respectively was charged. 
I paid on the due date which is the XXXX of every month. When I spoke with the customer service department, they said that there is a cut off time which is XXXX XXXX. This is not fair because a due date is a due date as long as it is paid on the due date.
I wrote a letter to XXXX XXXX asking the company to provide me proof of my written signature. They said the debt was sold to Midland Funding and they forwarded my request. They in turn sent me a bill. Under the FDCPA Laws and the FCRA laws it is required that they can furnish me written proof of my signature validating that this debt is in fact mine, by them sending me a bill in the mail does not comply with my written request. They are violating my rights and the law by not furnishing me this information. I am to believe that because they chose to send me a bill instead that they can not provide me this information therefore they must cease collections and remove the debt from my credit reports
I was contacted by Ameritech financial over 2 years ago about having them help me to consolidate my federal student loans and submit the paperwork for loan forgiveness. Since XX/XX/XXXX, I have been making monthly payments to them every single month with the expectation and impression that they would be forwarding the payment to my actual loan service. 

I received a document from the USA Federal Trade Commission stating that the payments I've been making are not being and have not been submitted to my student loan service, and that I should contact them to cancel as well as request a refund. 

I attempted to contact them via customer service phone number and after 3 minutes of being on hold- a busy signal comes on and the call hangs up. I attempted this 5 times. I then called the FTC phone number and per the recording was prompted to contact the CFPV to file a claim since I'm not able to contact Ameritech directly. 

I would like to get my money back so that I am able to make the payment directly to my student loan service, which I thought was being done all along. 

I have made the following payments : XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00} XX/XX/XXXX {$50.00}