WillisBack/dataset-financial-user-claim huggingface dataset:
previously i filed a complaint against American express because they keep denying me due to a old bankruptcy with your help they called me and issued me the new card then supposedly fixed the problem. they indicated it was a internal issue. well i called them and tried to replace a card I 've had with them for 3 years with no balance with a cash back card. they said i would have to apply for the new card and then cancel the old card. well i did. guess what. denied due to a so called bankruptcy again. they sent me it in writing and i quote ( filed bankruptcy )
The company Cavalry Portfolio Services, which I hold no contract nor have received any services from is reporting a collection account again my social security number in the amount of {$6700.00} with XXXX, XXXX and XXXX credit reporting agencies. 

In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ) I requested Cavalry Portfolio Service provide me with validation of the debt and account ( see attached ) ... on several different attempts by USPS Certified Mail/Return Receipt. ( see attached ) I requested Cavalry Portfolio provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I agreed to assume the debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state, and Your license numbers and Registered Agent As of today XXXX Cavalry Portfolio has failed to provide me with adequate documents to verify that I owe the said debt. ( see attached from Cavalry ) I have made several attempts to contact the credit reporting agencies on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and most recent XXXX/XXXX/XXXX and each agency refuses to remove ... indicating Cavalry refuses. 

I would like this company Cavalry Portfolio Service to remove/delete the negative report against my SSN with all credit reporting agencies in regards to the laws and regulations of the FCRA. Under the Fair Credit Reporting Act, 15 U.S.C 1681g ( FCRA )
On XX/XX/XXXX, my wife and I sent investigation requests to XXXX and Experian. They were supposed to respond with the results within 30 days, but they did not. I have since sent follow-up letters to both, but we still haven't received our results. They have had 3 months to respond, and we are still waiting.
I went into Chase bank to look into consolidating my debt. The one thing that I said was I did not wish to touch my Mortgage with XXXX XXXX, since I had less than XXXX left on it. When I went in to review what they could do, they had all the checks made out for the various debts, AND one to XXXX XXXX, for my mortgage. I felt pressured into signing the agreement, which put me into an interest only mortgage, and I was never able to get out of it. I eventually sold my home, and felt that Chase would not work with me to reduce the interest rate when I signed up for the " affordable housing '' program. I had to resubmit the paperwork every 90 days ; the contact person who was handling my account would not call me back, and eventually her voicemail was full and I could not leave her messages. I eventually had to declare bankruptsy, and even though I was able to sell my home, and pay off the interest only loan from Chase, it is in the record that the mortgage was included in the bankruptsy, which it was not. That does not look good on my credit record, AND it is incorrect. I have tried to clear this up and have it corrected on my credit report, but to no avail. I am very dissappointed with Chase bank. I will never recommend them for anything. I am embarrassed that nothing seems to have changed that would change the meltdown we had with XXXX from happening again, and thus I do believe it will happen again.
I received several calls from the number XXXX with no message left and a friend of my parents I haven't seen in 20 years received a call from the same number saying they were trying to contact me to deliver legal papers. 

When I called them back they would not give me the full name of their company, just Absolute. 

They told me they were collecting on a debt from Cashnet USA from XX/XX/XXXX.

My wife and I were victims of ID theft in XX/XX/XXXX and this is one of the accounts that were opened in my name. I have provided Cashnet USA a copy of the police report several times yet they still sell this bogus debt to third party collectors. 

I asked " Ms XXXX '' at Absolute where I should send the ID theft docs and the police report and she said I wouldn't need to. Seems like they would need the documents since they claimed they have already started legal action and were looking to serve me with legal papers. I asked again for an address or fax number and she said she would send it to her fraud department and they would take care of it. 

There are two issues here. 

1st : Cashnet USA is aware this was fraud yet they refuse to remove the debt and continue to use third parties to collect even though they know the debt is bogus.

2nd : The collection tactics used by this " Absolute '' company are a clear violation of FDCPA and UDAAP. They are threatening legal action when they really do not use legal action on their accounts. They contacted a third party and told him they were trying to deliver legal papers to me. They actually contacted him before they attempted to contact me.
I was told a supervisor was going to call me and never received a call. 

This is associated with another complaint : XXXX
I made my XXXX payment to Exeter Finance Corp by check and it was not credited to my account. I have faxed and emailed a copy of the check that cleared my bank weeks ago and they are still calling me 4 -5 times per day for the payment and are threatening to repossess my car.
The following company XXXX XXXX XXXX has placed their company name on my XXXX and Equifax Credit reports erroneously. This is a college/ university, I have never borrowed any funds from this company. I once attended this college XX/XX/XXXX. Federal Student loan assistance was used to pay for my education XXXX percent. This company has know legal right under federal law ( FCRA ) to report any negative information about me to the credit agencies XXXX and Equifax. I have been disputing this account with the bureaus, however it comes back " verified '' each time since XX/XX/XXXX. I have also requested validation of this alleged debt from data furnisher. What I receive from XXXX XXXX XXXX in reference to justifying this alleged debt, were documents showing I once attended their establishment. No legal validation/ verification has been provided to justify their company name on my credit reports.
My son 's name is similar to my name. He has very bad credit, including judgments against him. My credit was very good until his information started being reported on my credit report. We discovered this last year ( XXXX ) when my wife and I were building a new home. We contacted all XXXX credit bureaus asking them to delete my son 's information. For some reason, Equifax did not fix their errors. We have contacted Equifax by phone, by letter and by submitting a dispute via the internet. We have been trying to get our fixed rate loan since XXXX and are getting denied because of my son 's information on the Equifax report. They 're saying that rates are probably going up and we want to get locked in at the lower rates. It should not take XXXX more days to fix something that they were told about a year ago.
We are happy that this obligation is now behind us, please note the damage to my consumer credit 1. Credit report agency -Experian is showing this legal item of {$600.00} paid, 2. Credit report agency -Equifax is showing this as legal item not paid Requesting complete removal of this item
I may have received calls earlier than this but I 'll start when I first made a note. 

On XXXX/XXXX/XXXX at XXXX PM I received a call on my cell from the number : XXXX but no message was left. I called the number back at XXXX and someone from First Financial Asset Management answered the phone. I asked them what they wanted and they stated that they were looking for someone other than myself, this is my personal cell phone and I 've had this number for over ten years. The person on the other line apologized and I stated that I would like to be removed from any further phone calls and that the person they are looking for has no relation to this phone number. They stated they would honor my request I would n't receive anymore calls. 

On XXXX/XXXX/XXXX at XXXX I received a phone call again from the same phone number : XXXX belonging to First Financial Asset Management . No message was left and I did n't have time to return the call. 

On XXXX/XXXX/XXXX at XXXX I received a phone call again from : XXXX belonging to First Financial Asset Management and called them back XXXX. Again, I asked who they were looking for and again they stated someone other than myself. I asked to speak to a supervisor/manager. I was transferred to another person and I stated again that they have the wrong person/number and that I even called to tell them this on XXXX/XXXX/XXXX. The person at First Financial Asset Management admitted that they showed in their system that I did call and did state this but somehow my number kept being added back to thier robodialer. I demanded that I be removed from their system permanently and to never call me again. The person at First Financial Asset Management stated that they would have my infomation sent to their IT dept who would scrub my information from their system. 

On XXXX/XXXX/XXXX at XXXX I received a call from : XXXX which belongs to First Financial Asset Management , this is even after I specifically told them twice that they have the wrong and demanded to be taken off their calls list and a note made about my phone number.
I sold my house and closed on the property on XX/XX/2016. During closing the title company paid the second installment of my property taxes in the amount of {$2300.00}. I looked online the same day and noticed Shellpoint Mortgage also payed my tax payment the same day. I called and asked to Shellpoint to hold payment that afternoon due to the fact I just closed on the property. I was told that since they had n't received the payoff there was nothing they could due despite being almost 3 weeks early on the payment. A few days later my lawyer was able to contact XXXX County Treasurers office after they had received the payment from fidelity Title company so they were able to flag my account to avoid double payment from Shellpoint Mortgage. I have contacted Shellpoint multiple times on this issue with no resolve. When you call Shellpoint Mortgage you can only speak to the person who answers the phone in customer service. They will not transfer you to anyone. I 've asked to speak with someone in the tax department but every time I 'm told no. Also every time I call i 'm told a different story by the person on the other end of the line. As stated before I called on XX/XX/2016 around XXXX EST. about trying to get the tax payment stopped. I was told on that phone call that since they had n't received payoff there was nothing they could do. The Next time I called was on XX/XX/2016 at XXXX. EST. at that time I figured there would 've been plenty of time for them to receive and process my refund. I was told on that phone call that processing could take up to XXXX weeks and again I was told that I could speak to no one else but the person I was speaking with. I specifically asked to speak to a manager but was told that one was not available. So I waited until XX/XX/2016 to call again figuring that would be plenty of time for processing to take place. I made that call at XXXX EST. this time I was told that processing could take XXXX weeks. Again I asked to speak with someone in the tax department and again I was told no. This time the woman told me she would put in an email to the tax department about this situation and she 'd get back with me as soon as she got a response. Today is XX/XX/2016 and I still have n't heard anything from them. In between my calls my lawyer tried to intervene due to the fact he has power of attorney for me and he was told they could n't talk to him about my loan. He also sent a letter to Shellpoing Mortgage Servicing trying to resolve this issue but we 've receive no response to that letter either. I 'm fed up with dealing with this company and am asking for your help in this matter.
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.
I have fraudulent inquiries on my report which I did not authorize. I have tried writing to Transunion in the past and most recently today regarding the inquiries however they will not remove them. I believe this to be in violation of the FCRA. 
All inquiries from which I do not have accounts for the last 16 months are fraudulent.
I am one of the millions who were affected by the Equifax liability breach. I have visited their website dozens of times, called their toll free number many times, and tried to enroll in their free credit monitoring service many times, all to no avail. I have already had fraud on my account. They do not respond, they do not enroll me in monitoring service, and the people in XXXX answering their calls basically can answer no questions or provide any type of service or information whatsoever. My credit has been compromised and money has already been lost, and Equifax will do nothing about it, provide no service or protection, and they do n't respond or provide any monitoring service as offered. you enroll in that service over and over again, and it says you will receive an email and a text with information, but no email comes and no text ever comes, so they are fraudulent and liable.
re : my loan XXXX I was denied a modification ; however I explained that the income they used was incorrect and I sent proof of correct income. Wells fargo said it did not change the decision even though the income was over {$2000.00} more than they used to calculate NPV. I was never given updated information or numbers on why appeal was denied. I have left 3 messages and made over 6 phone calls all of which they have not replied to. I feel I should be reevaluated for a modification using correct information.
I received a alert on my credit monitoring ... XXXX a collection item was reported to my Experian credit file as a negative item from XXXX XXXX ( {$170.00} ). I contacted XXXX XXXX immediately and they faxed on XXXX/XXXX/2016 me a letter that this item should not be on my credit and they have requested all credit bureaus to delete/remove this negative item from my files. 
My credit is very good as I have no negative items and have never been late on any payments. This negative item should not be on my report ... ... and has cause my Experian score to drop XXXX points. It needes to be removed I am a veteran and am in the process of getting a VA Loan to purchase a home and I need to immediately have this negative item removed from my credit report. My efforts contacting Experian 's customer service to provide me with a fax number or email address to send them this letter from XXXX XXXX and remove this negative items has been frustrating. They refuse to give me information and say it will take 30 - 45 days to remove this negative item from my credit file. 
That is not acceptable ... ..it is critical that this item be removed immediately as it is jeopardizing my ability to get a VA Loan or are getting the lowest interest rate possible. 
I would greatly appreciate if you can contact Experian immediately and let them know that there is an urgency for them to remove this negative item from my credit file with the documentation of the letter from XXXX XXXX that is attached.
XX/XX/XXXX On XX/XX/XXXX, I reported Identity Theft to Equifax ; the unauthorized use of my information remains a serious issue. A police report was filed in XXXX County, case number XXXX where vital information was compromised. Since that time I have had accounts established, inquiries, banking issues that has arisen in my name without authorization, The following Inquiries were made without my authorization, some I have accounts with but I didnt authorized these inquiries. Please delete it immediately and place the fraud alert. There are two XXXX XXXX accounts although paid on time they are not my accounts. All Creditors have been notified. I have credit monitoring with Equifax, Please make the adjustments and rescore my credit accordingly. My attorney has advised me to contact CFPB for further assistance. Your failure to correct the incorrect information is creating more harm. I have notified Equifax a few times about this matter. Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXXFinance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX Oil And National Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Oil And National Credit Cards XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX/XXXX XX/XX/XXXX Finance_______________ These Accounts have appeared on my credit, they are not mine and must be Deleted Immediately : XXXX XXXX Account Number XXXX High Limit XXXX and another with a High limit of XXXX.
I have a loan that is now well over 30 % LTV and the lender still will not remove the PMI
XX/2017 I have previously disputed this fraudulent account. It was not opened by me.
I have received 4 phone calls ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, andXX/XX/XXXX at XXXX XXXX ) from XXXX XXXX XXXX. The firs three calls I did not answer and they left 2 voicemails stating who their company name and that they were a debt collector. The same person left the voicemails each time. I answered the call on XX/XX/XXXX. The person asked for me by one of my names, told me he was a debt collector, and said that I owed citibank/mastercard around {$20000.00}. I have no debts with citibank and I 've never had a debt remotely close to that amount in the 10 active years I 've used them for credit. This immediately raised a red flag for me. I informed the person on the call that I did n't have a debt and that I believed they were scamming people and I hung up the phone. I then called citibank to inform them that this company was gathering money fradulently on their behalf. Citibank said they would forward the information to their security department.
In response to my dispute of XXXX XXXX XXXX Equifax replied : XXXX ; We have researched the credit account. Account # XXXX The results are : This account has been updated to show included in bankruptcy/included in bankruptcy of another person. If you have additional questions about this item please contact :, Unverifiable, XXXX, MN XXXX Number one, this account was not verified by equifax for my wife for the same account and deleted. 
Number two. This account was dismissed by the court. 

Number three is seems like equifax could not even verify the name of the business. 

This same exact debt could not be verified and deleted from my wife 's account, and exquifax deleted it, so how can this same debt be verified?
I am a XXXX with the XXXX XXXX and currently have a home loan with XXXX XXXX XXXX  that began in XX/XX/XXXX. <P/>Over the last 7 years, I have had an extremely difficult relationship with my lender and have filed several disputes through Experian, XXXX, and XXXX against the late payments displayed on my account with XXXX XXXX. <P/>I will admit that have been late in the past in which I always made arrangements, but I have not had late payments to the extreme that is reflected on my credit report. I could never fully understand how my monthly payments were being applied to my account. I had lengthy phone conversations with the lender 's representatives that were always stated to be recorded. So much so that, I requested copies of all payments made to my account from the beginning of the loan to date. <P/>After reviewing these records from XXXX XXXX, there are discrepancies in what the credit report states vs. what is stated on the statement breakdowns. <P/>I disputed these findings to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, IA, XXXX asking that these findings be investigated. I received no response. As a matter a fact, on my credit bureaus it states that the " Subscriber reports dispute resolved - consumer disagrees ''. <P/>I have been on a payment plan with the lender in the past but that is not reflected at all on my report and the monthly payment amount being reported is at {$2000.00} vs. the correct amount of {$2000.00}. <P/>I would like to have an investigation done on my account. I feel that I am a victim of the XXXX XXXX fake account scandal. <P/>I have been in XXXX XXXX for 15 years and in my a career in XXXX XXXX honesty, morality, professionalism, and integrity are my core beliefs and I expect to be treated the same. <P/>I look forward to hearing from you soon!
XXXX reporting mortgage is 120 plus days past due, account is current and in good standing
After Hurricane florence hit the carolinas I called in to see about putting my payments on hold since I was out of work for a week and two days. During this time I also was behind on my payments but I have been making monthly payments, I have submitted a number of documents supporting my income and my cosigner we both are barely making ends meet and im actually trying to make payments and basically I was told that until i'm homeless and hungry they don't care how I make the payments they just need to be paid. After calling and calling I was transferred to the executive office and spoke to a rep who said she would help and of course I had to keep calling because no one followed up, after calling several times being transferred another 7 times, I was told that no one there no could help so I asked for a supervisor at first the manger was at the desk and after the transfer magically he disappeared, and then the answer was o now they have moved on to a meeting. This is the worst COMPANY to ever do BUSINESS with. I Have never seen a student loan company soooooo bad I wish I wouldve never taken this loan out ...
I have already been filing complaints against this Bank. They used Identity theft by creating a Fiduciary Relationship acting as the Grantor of my own credit. 31 U.S. Code 3729 - False claims I demand to fine them {$10000.00} dollars for the fraudulent use of my name and also Tax Fraud and withholding information when demanded. They have already closed the account as " Closed by Grantor '' which brings forth more evidence of the fraud using my name.