WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a public record for removal on  XXXX   XXXX ,   XXXX   online, in regards to  XXXX  bankruptcies on my credit report that was not factual, and I received a response for both public records that they completed the request on  XXXX   XXXX ,   XXXX  . According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it s tates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 8 days after the dispute, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this public record display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the public records. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
I checked my credit report and I see that this company name American Credit Acceptance is reporting to all XXXX credit bureaus stating that I owe them a debt, that I do not owe. I never did business with this company that is reporting to the credit bureau 's. They are saying I purchased a car from theme and I did not.
Received a monthly statement from Macy 's in XXXX 2015 with a balance of {$610.00}. I paid the bill in full by check, which was cashed by XXXX on XXXX XXXX, 2015. My XXXX statement from Macy 's showed no payment received, so I called my bank and got a copy of the cancelled check. I have called Macy 's American Express Customer Service at least 6 times, emailed from the Macy 's website, faxed a letter and copy of the check to Macy 's Credit Reporting XXXX times, and written XXXX separate letters to Macy 's credit agencies in XXXX XXXX, IA and XXXX OH. I am still receiving calls from Macy 's that I am overdue on my account and would I pay my minimum payment over the phone. I have heard nothing else from Macy 's, Macy 's Credit Reporting, or Department Stores National Bank ( they service the Macy 's American Express Credit Card ). This is not the first problem I have had with Macy 's payments, and I still have a blemish on my credit report from a 30-day late payment from years ago .. tried to get that removed with no success. Every time I call XXXX of the Macy 's Customer Service numbers I get an offshore agent that can not help me, and I usually get disconnected from the call, and each call is usually XXXX hour to XXXX minutes at least. I am not sure what else I can do in this matter. I paid my bill in full, in advance of the due date, and the interest and fees are adding up when I check my account online. Additionally, I have notified Macy 's in writing and heard nothing back from them. What do I do now? By the way, I will NEVER shop at Macy 's again, and will cancel this card once I get this resolved. What a hideous experience!
Received XXXX letters from Action Collection Agency XXXX XXXX regarding a " debt '' from my XXXX. Upon calling the first time, with my insurance provider, they could not verify the correct amount for the claimed date of service or any other details of the debt. After this initial call ( no payment ), I called the provider and verified the date of service, amount, and received an itemized bill showing I had a zero balance. I also have my insurance 's explanation of benefits showing the payment posting directly to my provider. 

Today XXXX XXXX XXXX, 2016 XXXX, I called ACA back to verify the debt and spoke with several different people, each having to " check '' with a supervisor about basic information including a license number, the company address, requesting a verification letter, and the discrepancy in amount being collected. No one had any information and I was told my letter would be sent in 30 days ( when by law it should be sent in XXXX ). 

Throughout this process, each person I spoke to was belligerent, refused to listen, and kept changing their story. At XXXX point the " supervisor '' XXXX XXXX XXXX ID # XXXX ) told me the account had an " XXXX on the bill and when I asked how did he have the bill, he said he knows the insurance paid a portion of the claim. How could this be on the " bill '' with XXXX in place.
I have a medical bill from XXXX XXXX XXXX here in XXXX, Oregon. The bill was only {$450.00}. I accumulated the bill due to I had been put into the hospital after a ex-husband became XXXX XXXX with me. He was XXXX and put into XXXX for XXXX. Long story short. I was not working at the time and going through a divorce. A non-profit battered women group helped me file divorce papers and achieve a restraining order against the ex-husband. My medical bill unfortunately was sent to a collections agency here in XXXX, Oregon. They contacted me and I started making making payments to them for the bill in person. I started receiving repeated phone calls from them daily. They left many voice messages on my phone for my ex-husband and his debt. I started receiving my ex-husband 's bills that were being turned into the same collection agency at my home address from XXXX XXXX here in XXXX, Oregon that he owed money to.I called the debt collection company ( Ray Klein Inc. ) multiple times and told the receptionist in person and through voice messages that I do not appreciate being harassed regarding my ex-husbands debt. I told them repeatedly to stop calling me and sending me his bills. I felt that I would never get over the nightmare that he caused me because now I was being haunted by a debt collector leaving messages on my phone regarding him and sending me his bills. What eventually happened was they quite contacting me regarding my debt that I was paying on. I told them repeatedly that my ex-husband was not living at my address and told them of what he did to me. No response. Now, my debt has incurred a {$100.00} in finance charges from the debt collection agency. They never sent me any other letters after the time that I contacted them regarding my ex-husbands debt. I am now being referred to an attorney for the debt.The debt collection has now been filed with the courts. A lawyer has been contacted and is now pursuing collection from me.
I seldom use phone to contact them, but the few time I did, the agents were not that friendly. Very curt and were not open to explanation or clarification. I did speak with someone a month ago who was a little better. I am very tired of the inaccuracies in how they deal with the PSLF process. I also do not feel that I have been given the total information about process when I spoke with agents. My Employer Certification form has been submitted several times and the dates have been changed to make it more difficult for me. I feel like I am sending documents all the time. They change the dates and I feel that there is error in processing, and change in dates are a problem. I just sent them an email and I have not received a response as yet. I feel that they are giving incorrect information and I am sending in UN-necessary documents due to their error in processing. Sometimes they respond to my email in a timely manner, but not all the time. I prefer to send email as I have everything in writing. I just sent a frustrated email to them XX/XX/18.
The following inquiry is Unknown SYNCB/WALMART PLCC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # XXXX SYNCB/WALMART PLCC XXXX. XXXX, XXXX Unknown inquiry, please delete
on a sunday, I went to a free atm to get money after church to pay my tithes and for gas money for work I knew exactly how much I had. Nothing was available. called the skylight card and they told me a transaction had been made I asked them when and they stated that day. I informed them I was at church. They then informed me that the company that made the deposit did a reversal and that they would have my XXXX back on in XXXX hrs, I called back they stated they mailed it to my physical address. That is the last that I have heard from them I contacted the agency and was told they said they would mail the check to them. I do n't know why they have not either mailed the check by now or placed it back to my account.
I started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from Capital One.
XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report.

I lived at XXXX XXXX  back in XX/XX/XXXX. When I got ready to move I spoke with XXXX  the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent.

This was verbal agreement that XXXX the apartment manager gave me.

After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX  who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place.

I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment.

Before I agreed to pay the collection, I phoned Merchants Credit Bureau, I believe I spoke with XXXX XXXX I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years.

I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me.

Please review this matter, I look forward to hearing from someone hopefully with good news.
The Bureaus Inc. had purchased a debt from XXXX XXXX that had already been paid. I disputed with XXXX XXXXXXXX about 8 weeks ago. They determined the dispute was valid and repurchased loans from The Bureaus Inc. about 5 weeks ago. The Bureaus Inc. Is still reporting on my credit report from XXXX and XXXX. I filled a dispute via XXXX at the beginning of this month, spoke to a customer service representative from XXXX whom stated, '' The Bureaus Inc have not sent for this account to be deleted '. I 'm in the process of purchasing a home, the tradeline from the bureaus, is avoiding the purchase.
In XX/XX/XXXX I began to receive notifications from Citibank asking me to update my personal information. Since XX/XX/XXXX I have received approximately ten different notifications. Each time I received a notification I went personally to my Citibank branch and updated my information. In XX/XX/XXXX, I received a letter from Citibank stating that my one of my three accounts had been closed and there was a check for the balance of my account. A few days later I received another letter cancelling my second account with a corresponding check. My third Citibank account is a CD which I have not been able to access and I have been told I will not be able to receive those funds until XX/XX/XXXX. No one at Citibank has been able to clarify why my accounts were closed, why my third account ( CD ) can not be canceled immediately without any cancellation fine or penalty, and lastly if Citibank will reimburse me for the checks and the corresponding fines for the checks I issued before my accounts were cancelled. Had there been a serious problem with my personal information, why wasn't the CD account cancelled as well? I never received any prior notification of my accounts being cancelled nor any explanation.
On XXXX XXXX, 2016 at about XXXX I was having breakfast with my son and his family. I got a text on my phone of a XXXX charge. I called netspend as soon as I saw the text because I hadnt authourized this charge. The rep I spoke with was nice she advised me there were 3 pending transaction adn asked me several time which of the 3 did i not authorize. I told her. At that time she stated she would be cancelling my card and sending me a new one. I asked this rep over 5 times if my new card would have the XXXX taken off it and she stated no that all the funds would be availabe once my new card came I explained to her that 2 of the charges were mine and i didnt want problems with those companies. again she stated dont worry im cancelling your card so it is a pending transaction and you will be fine. I told her my rent was due soon and I need to pay it. again she assured me and the restuarant ( i had my cell phone on speaker and was upset so everyone could hear my call ) i asked to have the card expedited and she said she would without a fee. Card arrives about 3 days later. XXXX is gone and XXXX expedited fee is gone. i contact netspend and was tld just the opposite of what i had been told by the rep who said since it was pending that it would not be taken. this rep said the mone was released to the merchant 2 days after my card was cancelled and now i have to file a dispute to get it back, i am so frustrated and all calls to the corp office are returned to me by robotic people who just talk from a script. I have seen that this apparently is a common practice of this company and something needs to be done. i have filed a complaint with XXXX but since they are so large no one seems to do anything to stop them, I need my maoney and now they told me that they would have an answer for me by XXXX on XXXX. i didnt authorize this charge. im told they have to make sure they go by the guidelines of regulation e. i need my mone im XXXX on a fixed income and have had to borrow to get thru the month due to this
Trying to connect business bank account to XXXX online bank account. Says Capital One is blocking me from enabling external applications
This matter involves an account initially handled by XXXX and assumed by XXXX. I was trying to work this out with XXXX when they referred it to LTD Financial. At one time both were trying to collect the same debt from me. Then LTD called my ex wife and discussed the debt with her. She has never been a cardholder and has no interest in this account what so ever. I do not understand why LTD would bother her when she is my ex wife, they had the correct address and phone number and all account info. This appears to be a problem with XXXX accounts and the vendors they use for collection.
I had a XXXX charge card that was discharged and received a XXXX. I had my wages garnished without notice in XX/XX/XXXX without representation. The collection firm that used a justice of the peace located over 50 miles from where I reside. The collection firm Gurstel Law Firm P.C. formerly known as Gurstel Chargo P.A. filed and garnished my paycheck. Case XXXX Gurstel file number XXXX   filed for notice of renewal of judgement with an expiration date of XX/XX/XXXX! The original debt was discharged from XXXX with a XXXX. On XX/XX/XXXX a Notice to Discharge and Release Garnishee was mailed to me. But later they secured a judgement to renew. Gurstel law firm is using predatory tactics by courts to collect on a discharged account. I have been unemployed for the most of the last seven years. I last year I only made {$130.00}. This judgement makes it difficult for me to retain a job. I also suffer from XXXX XXXX and live with friends and family.
I have been making biweekly payments towards my auto loan through my bank 's bill pay service for more than a year. The monthly total has been more than the minimum due. Come to find out the payment overage has not been being applied to the principle balance, but to the next payment due. I called to have each payment overage applied and was advised this could not be done, but they would adjust XXXX payments as a courtesy. Going forward the only way to have a payment applied to principle is to mail a check ( Who uses checks? ) or get a bank account through them ( obligating me to get another product through them to reduce my principle loan balance! ). That 's ridiculous and not the case with other loans! I pay more than the min due on a credit card and it goes to principle not the next payment! I originally set up the biweekly payments for more than the minimum due to payoff before the maturity date. The plan I chose, with a financial planner, should have paid off the loan 6 months quicker. Now all my long term financial plans have been delayed by 6 months. I made the choice to be responsible consumer and now I am being punished for B of A can make a little extra money off me and derail my financial goals.
XXXX, XXXX, and XXXX showing inaccurate information sent police report and idtheft letter fcra violation
I in good faith, purchased via installment loan an Acer E15 laptop from Speedy Cash ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ) on XXXX XXXX, 2015 @ XXXX. 
I realized later that day that I 'd be horribly in debt trying to pay for it. I called Speedy cash the following Monday, XX/XX/2015 and spoke with XXXX and explained everything to her. XXXX misstated she was the manager and that she would call me back. I received no call from XXXX and called Speedy Cash on Friday XX/XX/2015 and XXXX told me her supervisor needed more information and she 'd call me back. I received no call from XXXX and called her on XX/XX/2015 and was told she 'd be in the following day. I called XX/XX/2015 and XXXX advised me she 'd spoken with her Manager ( XXXX ), which was alarming because XXXX had initially told me she was the manager when we first spoke, and had been informed that the laptop could not be returned. 

I called the district manager, XXXX XXXX ; XXXX and explained my situation. She told me that there 's nothing she can do. I asked for corporate 's number and she replied " There 's no way at ANY level that you can resolve this XXXX XXXX XXXX! '' in a very rude and unprofessional manner. 
I 'm at my wits end. I 'm a XXXX XXXX ( XXXX ) and I 'm permanently XXXX on fixed income. I 'm only asking that Speedy Cash let me return the laptop, so I am not forced into debt. 

Respectfully, XXXX XXXX
Misleading and fraudulent marketing of thresholds to earn a reward. Was supposed to spend a certain amount in one year period following account opening. I spent the required amount however the company changed the timing such that a material amount was left out.
This complaint pertains to : Caliber Home Loans , Inc, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, as Trustee for XXXX Master Participation Trust, and XXXX XXXX XXXX, XXXX. 

Issue : Attempting to collect a " debt '' and attempting foreclosure without possessing debt note and deed of trust. Did not provide meaningful response to multiple qualified written requests and debt dispute validation. Filed documents affecting interest in the property in violation of automatic stay.
I filed a complaint with the CFPB about 2 years ago against JP Morgan Chase over a fraud case. My debt card was stolen and someone bought XXXX XXXX XXXX dollar gift cards from XXXX XXXX. Chase said I was responsible for the {$1700.00} because I committed the fraud because it was my signature, but they would not send me a picture of my signature, and I had a train ticket from a different city at the exact time of the XXXX XXXX {$1700.00} purchase. The CFPB believed my version of the story ... .due to the proof I supplied. IE. the train ticket .... and told Chase that they have to cover the {$1700.00} loss. Two years later Chase has engaged in retaliatory tactics against me. They told me that they did not want to do business with me and canceled my checking account. They then mailed the money in it about {$300.00} to my stepdad. They say that I owe them {$260.00} in late fees for a safety deposit box I have never heard of or paid for, and they say it has been on my profile for 6 years ... .so I owe back fees for those years as well. - now all of a sudden although I have never had any fees for it before. They send certified checks saying they are going to sue me over this saftey deposit box I have never seen or wanted. Again I do not know what they are talking about never wanted a safety deposit box and have never used a safety deposit box. I believe whoever decided to close my account added these fees and services to cause me issues, or as a punishment for the CFPB 's last decision that Chase needed to cover the {$1700.00} and not myself.
I have my loans serviced with Navient Incorporated. They would not work with me to give me income based repayment. Instead they gave me the option of graduated repayment. There was also a time last year where I could not make a payment and they encouraged me to take a forebearance. I know have more interest and my overall balance is bigger.
I reported to Equifax an error on my report that knew nothing about. The dispute confirmation number provided to me was  XXXX . I requested that Equifax to provide me with the original application so I can verify that I am associated with this balance amount. I never received anything that I requested but received a report that the account has been verified. I ca n't get Equifax to provide me what they used to verify that this account was mine. It 's my position that this account does not belong to me and since Equifax has not provided me with validation - original application for product/services with my SSN or signature, this collection placed on my record should be removed.
This credit bureau is allowing collection agencies to change the dates of last payments on accounts they have purchases causing an extension on the statue of limitations allowing them to extend collection activity. The credit bureaus have the accurate information on credit history provided by the original creditors but they do not verify the legitimacy of claims submitted by collection agencies for the same accounts. Furthermore they are causing XXXX the amount of negative items by reporting the original along with the collection activities on the same exact account ( See XXXX, XXXX XXXX, and XXXX on attached ). This has prevented me from renting a home and other credit extensions, and there really is no way for a consumer to defend their own case since the companies always side together. This information could be verified by looking more closely at information prior to simply adding on to a report which can ruin a persons life. If credit reports are to be held at such standards then they need to make sure they are adding accurate information that is not repeated.
Filed a investigation with XXXX in XX/XX/XXXX. Report number XXXX. Upon my submition i asked for the investigation of two accounts. The first acount was XXXX XXXX # XXXX, i asked the agency to send a letter of validation to me such as payment history and a legal documentation showing that this was my account and I 'm liable for the account. I also stated that by the looks on the report, XXXX, then updated in XXXX, I believe this account is re-aged or not actuate at all. Upon my return report it says account updated but still no proof this is my account. They will not provide me anything. 
Second issue and the second investigation I asked to be looked into was XXXX # XXXX, again asked for validation in XXXX and received same response. Updated account information. If the accounts they claim is validated why ca n't I get proof these are indeed my legal liability to pay and or remove from my report. And if the XXXX XXXX account can be validated as my account they should look into possible the account being re-aged by the dates stated on report.