WillisBack/dataset-financial-user-claim huggingface dataset:
I disputed a chapter XXXX dismissed bankruptcy with equifax. The investigation came back as verified. I received a letter from the court explaining that they DO NOT report to credit bureaus and therefore must be deleted.
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Cavalry SPV I, LLC which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Cavalry SPV I, LLC has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Cavalry SPV I, LLC. Cavalry SPV I, LLC is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
I have on several occasions sent several letters to the bureaus stating that the disputed accounts are not mine and also asked for verified documents, as per FCRA 605B, 15 U.S.C. 1681c-2 and FCRA 15 U.S.C. 1681. They have not Once sent a letter showing that i signed for any such credit.
In XXXX 2016 I applied for a XXXX Discharge through Nelnet because I am on SSI unable to work or go to school. 
I provided them with more information than I needed to a copy of my SSI determination and a completed Doctor Evaluation form. I have tried many times to find out the determination of my case until I was again asked for a form to be requested from Social Security to verify when my case would be reviewed and it was 7 years, well past the 5 years needed by Nelnet. Each time I inquire I am told it will take 30 more days for review. It is now 6 months and still no determination. I am tired of their excuses and beginning to think they might be a scam.
My XXXX 's credit card starting with XXXX was opened XX/XX/XXXX. 

Ever since opening the account, I have had issues getting paper statements as well as paperless statements sent to me. A XXXX 's store associate informed me on XX/XX/XXXX that I need to make a payment and as soon as I got home, I made a payment. I wasn't even aware that I had a XXXX 's balance. I didn't get any calls, any letters in the mail and all my emails from XXXX XXXX XXXX were going to my " spam '' folder which I only discovered after the fact. 

My credit reports reflect late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

SSN XXXX
refused to send the report by email. the only company that makes you use the XXXX mail.
Cashnet.com.slowly charges you for both the loan and the fees are not written that each time you draw out money you are charged.but it is not a one charge it also becomes part of the loan which can hike a {$200.00}. loan to XXXX.after you draw out the XXXX.i think that is wrong.and i want out of cashnet. com.had this acct since XXXX.and untillXXXX.i paid for a {$400.00} loan.
i sent a letter to capital one on XX/XX/2019 concerning this late payment item on my credit report.i have no recalling of being late, so i would like for them to verify the item bearing my signature.also by not replying within 30 days is a violation of the FCRA laws.
I received 0 % balance transfer checks stating no interest until XX/XX/XXXX. In XX/XX/XXXX, I transferred approximately {$2600.00} onto the card via this check. Since then, all my payments have been allocated to the 0 % balance transfer even though I had several {$1000.00} 's in purchases. When I spoke to the bank, they said because the rate on purchases is also 0 % ( until XX/XX/XXXX ), they applied all the payments to the balance transfer. As a result, I received no benefit of the 0 % rate until XX/XX/XXXX and the full balance will begin accruing interest in XX/XX/XXXX. It should've been disclosed that I would not, in fact, have the benefit of 0 % balance transfer since I was on a promotional purchase rate. I paid a 2 % balance transfer fee and essentially paid the full amount back the next month. When both rates are 0 %, they should apply amounts over the minimum to the 0 % rate expiring first. I can provide the credit card statements but do not want to upload via this site.
On X/X/2017, A new collection account appeared on my XXXX credit report. Reported by agency Diversified Consultants Inc. ( DCI ) in the amount of {$88.00}. Original Creditor was XXXX. I did have an account with XXXX, but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed XXXX anything. On X/X/2017, I contacted DCI by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that XXXX had given DCI the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by XXXX or DCI to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.
My son and daughter in law live in XXXX. My son and I have the same name. A number of years ago my son and his wife bought a car through XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, XXXX. XXXX. I was in now way involved with this loan. I did not co-sign on this loan. My son also assures me that this loan has ben satisfied. My complaint is with MacDowell and Assts. Ltd. Inc. XXXX XXXX XXXX XXXX , XXXX. XXXX. Thursday of last week My employer XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, informed me that my wages have been garnished by order of the circuit court of XXXX County XXXX. This was done through the action of MacDowell & Assts. Again I was not involved with the original transaction in any way. 
My best guess is that MacDowell did some sort of skip trace procedure and came up with my name. MacDowell never contacted me. They just filed the garnishment. Of course this was done under the wrong social security number. Is it right for companies like MacDowell to through information against the wall and to see what sticks regardless of the time, money, and embarrassment it may unjustly cause? I have also left the voice mail messages and they have not returned my calls.
Lincoln Tech entered into a contractual agreement with my underaged son whereby I signed as his parent as a cosigner. Without my knowledge or consent, my son dropped out of school and instead of Lincoln Tech sending me an initial request with the appropriate information regarding my son 's debt, they send me threatening letters stating that the account was past due and that they could not contact my son and that they would report this debt negatively to the credit bureaus on my account. I contacted this company several times in writing asking for the appropriate information informing them that I had an issue with them sending me threatening letters when I had never been initially contacted about the original debt.. The company did not respond to my requests for information and verification and yet continued to send me threatening letters stating that they would report negative information on my credit report. I believe that this company violated my rights under the Fair Debt Consumer Reporting Act. I have asked this company several times, where did they expect an underaged child to be able to immediately pay back over XXXX without a response. I believe this college practices predatory lending and even though I have paid them XXXX payments they have reported inaccurate negative information on my credit bureau report.
This was an economic hardship issue that started in XXXX and finalized in XXXX with a short sale. 
I called XXXX & Equifax and let them know that it is still showing up on my report even though I was told it would only remain for two years by the lender XXXX XXXX. It has now been five years and it is continuing to hurt my credit and ability to gain employment. This must stop, I should not be subjected to this punishment any longer. I, like many was a product of the destructive lending practices and economic down turn created in large by the lending institutions / XXXX XXXX etc, with no punishment for them. So why continue to hurt me?
I spoke wit h two represen tatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the  last five years,  but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of  XXXX  and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
XXXX XXXX 2017 XXXX XXXX XXXX {$65.00} i had health insurance to cover the cost
We received a phone call from a debt collector which purchased an old debt that was paid and settle for the less then the full amount back in XX/XX/XXXX which was XXXX years ago NY stipulation is 6 years this debt was paid and settle XXXX XXXX has contunued to harass me after I have noted several times to stop it has now become harassment
XXXX XXXX XXXX continues to report this debt as being active and new to my credit report which stops me from attaining new credit and causes me harm and distress.
I have contacted XXXX where they claimed they will remove the account from my credit report and will do so however after about 30 days will show up again.
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Because of their derogatory reporting it has been very difficult to get my life in order. One representative informed me that sometimes it is just our job to make sure your life is n't easy because you do n't get to get the easy route when some of us have it hard. XXXX is reporting to TransUnion This issue with XXXX has been going on for several years and the great hardship it has caused including extra lengthly investigations into my background checks for the renewal of my clearance has not been easy and very stressful.
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As one of their employees informed me we do not exactly care, because it does not afect us in the slightest bit. According to the system the call may be recorded for quality and training purposes, however I do not know if it tuly were.
XX/XX/18 I contacted Ocwen loan svcs to pay my mortgage electronically by phone which I have done many times over the past 11 years, however this time it did not allow the call and transferred to a human. The rep on the phone told me my husband needed to authorize me so he did, she then said no he needed to put it u n writing. I then told her I am simply giving you money and not looking for any information i want you to take the mortgage payment directly from my account like you have done for the past 10 years.
I hsve just been informed that I have wage garnishments now. I was not informed or properly served about the lawsuit even though they claim they served me. Anytime I have tried to talk to them about this all they will say is that they noted it in my account. I will have to be the one to fix it with a lawyer. This does not sound lefal. They are called wakefield and associates
I have unauthorized inquires on my report, I call and sent letters with documentation stating that the inquires where not authorized by me.
I purchased Bitcoin on XX/XX/XXXX. {$10000.00} was taken from my XXXX XXXX XXXX account on XX/XX/XXXX. Today is XX/XX/XXXX and I still do n't have my Bitcoin. 

Coinbase Reference Code for this transaction is XXXX The support is dead. For weeks they were copy/pasting some fragments from their help page. Then, I got a message that they are really sorry and I should wait. ( Case XXXX ) Now, they ignore my messages for 10 days.
EXPERIAN, WILL NOT REMOVE THE ACCOUNT.  XXXX   XXXX   XXXX   XXXX . ITS A OLD ACCOUNT, THAT IS A FRAUD ACCOUNT. THIS IS NOT MY ACCOUNT.  XXXX   XXXX  ACCOUNTS ARE FRAUD ACCOUNTS, I WILL FILE A COMPLAINT WITH THE FTC AND  XXXX  POLICE REPORT.   XXXX    XXXX , FRAUD ACCOUNTS.  XXXX   XXXX   XXXX   XXXX  .PLEASE HELP ME.
I have had a recurring problem with a XXXX XXXX account which is being billed to me for services I have never asked for or used.

Originally, a collection agency called XXXX XXXX XXXX in Texas reported the account, showing the same balance. I disputed the validity of that debt to the credit reporting agencies and it was removed from my credit history.

Waypoint has recently begun reporting this debt now to XXXX, and it now appears on my credit history. Waypoint did not mention in their reporting that this debt was disputed, and they also reported that the original creditor was XXXX XXXX. This is simply incorrect. XXXX is not the original creditor ; it was XXXX. XXXX was then bought by XXXX, which is part of XXXX, but that does not make XXXX the original creditor.

In any case, I dont owe anything to XXXX or XXXX. I have disputed this debt when it was with XXXX XXXX XXXX and have again disputed this debt now that it is being reported by Waypoint. I do not see how its legal or fair for a debt collector to report a debt, it be contested and removed, and then the creditor simply has a different agency report the same debt under a different name.
TransUnion mailed me a copy of my report dated XXXX/XXXX/2015. On the first page TransUnion tells me if I find an inaccuracy on my report to dispute the inaccuracies online. When I try to do so I receive an error message. I contacted TransUnion at the phone number provided and have been told multiple times that my online access would be unlocked so I can process disputes online yet I still receive this error message. 

TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following addresses are inaccurate : XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following telephone numbers are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion is reporting inaccurate and outdated personal information on my report and is not allowing me to fix it. The following employment data is inaccurate : XXXX and proof of address are attached for the processing of this dispute.
I have repeatedly disputed unauthorized inquiries on my credit reports with Experian, XXXX, and XXXX in regards to inquiries by XXXX, XXXX, and XXXX. I even went so far as to send letters to the companies with the dates of the inquiries and requesting they be removed as I did not authorize them. 
From the credit bureau disputes, all I get over and over is " its factual '' and nothing is done. From the letters, I get the same thing. I have been a victim of Identity theft not once but at least 3 times. I have put security freezes on my ss number and still I have all of these inquiries. Not XXXX of these companies can show me a signature proving I authorized these inquiries and I want them removed. 
I know that there is a civil remedy available to me, however I would really rather them just do the right thing and take the inquiries off of all XXXX reports. I am not in the habit of suing people I just want it fixed. 
Please assist if possible.
I was contacted by Citi to refinance my mortgage and told that they could use the documents from my HELOC that close 2 weeks before. Without highlighting or asking permission, XXXX XXXX, pulled our credit. He then informed us that our credit score was below the allowed score to qualify for the lower refi rate. This was a complete bait and switch since there was no mention of needing to qualify to be eligible fore the lower rate that he quoted us. He also never asked permission or mentioned that he was going to pull our credit. Even worse, we have since learned that Citi pulled our credit twice without approval. Once on XX/XX/XXXX and again on XX/XX/XXXX. We want to file a formal complaint about the bait and switch tactics and pulling our credit twice without permission. Obviously credit needs to be pulled for a mortgage, but it was highlighted that they would use our documents from the recent HELOC that was closed 2 weeks before.
XXXX XXXX has insisted on calling my elderly parents, my boyfriend, my sister and my work number to harass me and anyone who answers. They refuse to make contact by my home phone ( which is the ONLY number I have ever provided to them in regards to my accounts. ) I have notified them in writing and via telephone to refrain from calling my friends and relatives and work number yet they persist at all hours of the day and night. Please make these people stop searching for my family and friends. Please make these people stop harassing everyone I love or even know. Please make them refrain from revealing my personal information. There has got to be a way to end this persistent and ongoing pattern of humiliation and harassment. It must be illegal to refuse to call my phone and instead seek to get me fired, upset my parents, annoy my sister and boyfriend. Do I need to file a lawsuit? Can you fine them for this pervasive and ongoing systematic harassment? Please help! Should they deny that I have contacted them, I do have documentation of emails and proof of receipt of messages to XXXX via XXXX XXXX XXXX and XXXX XXXX. I also have a telephone log of proven harassment of my parents, sister, boyfriend and business number. They just wo n't stop ...
I opened a XXXX XXXX credit card and have been trying to enroll in automatic payments. I have tried for approximately 5 months. Each time a representative states I need to fill out a form to enroll. Other Representitives say they can enroll me and have. So I think I am all set. The next month comes and goes then I get a collect account notice. I called they stated the will pull it back from the agency and apologize for my inconvenience and do not understand why the last representative did n't take care of it. This goes on and on. I always pay to have my card brought current. Although it should not have gone into default to begin with. Any way XXXX is mis reporting to the credit bureaus the card is delinquent when it 's their fault. I do not have any other account or credit card company that I have this same the problem with. XXXX XXXX  XXXX owned by XXXX which XXXX XXXX just bought. I want the late fees reversed. I want my credit corrected.
I HAVE ASK XXXX TO VALIDATE THERE DEBT MANY TIME. THEY HAVE FAILED TO VALIDATE AND KEEP REPORTING NOW THEY HAVE SENT ACCOUNT TO COLLECTIONS
In XX/XX/2016 I fell behind on the payments due to the tenants not paying and wrecking the property. I let Bank of America know that I could not both fix up the property and make the mortgage payments. I applied for a HARP refi but was denied. They started the foreclosure process. I asked them for the full amount needed to stop the process and where to send the verified check. I sent them the funds. They lost the check and continued with the foreclosure. When they located the check they took the funds and promised that the foreclosure would be reversed. I have been sent a statement every month since and paid it on time. I found out that they never reversed the foreclosure and still have Bank of America as the recorded owner of record on title. I need to sell the house but can't because they are listed as the owner. I have tried several times over the past few months to get them to respond. They transfer me from dept to dept. I never get a call back or any update in the mail. They have basically stolen a house from me and continued to take my mortgage payments. Please help in any way you can to help me get my house back in my name.
I received a letter stating Failure To Pay Could Affect Your Credit History. I have never applied for a loan from this company ; and now I have gotten this letter telling me I am past due on my loan payment. My personal information must be used improperly.
On XXXX XXXX ; a Written Contract was signed by my spouse to begin a Kitchen Remodel with XXXX XXXX XXXX.. Contract total was changed 3 times because of incorrect prices/figures/measurements, and damaged material..Most recent Contract signature was XX/XX/XXXX of the corrected copy was delivered by their Project MGR. 
The 1st contract gave us a total of {$52000.00} of which {$26000.00} was financed by a XXXX XXXX XXXX ACCOUNT ie. ( Credit Card ). We have been paying $ XXXX MONTHLY without interest for 1 year ... We had the final Walk thru on XX/XX/XXXX whereby the Project Mgr. and Scheduler performed ... We were totally dissatisfied once again because the Contract total was completely different from the Contracts we had in our file.. We mentioned that until the total and incomplete work was completed we would not be paying any other monies except the Credit card monthly payment ; which has a pay off balance of {$12000.00} plus {$2400.00} interest =TOTAL {$14000.00}. We have never had a past due payment! Project Mgr. and Scheduler stated they would get back in a few days and or email the corrected Contract as well as a Resolution for the UNSATISFACTORY KITCHEN REMODEL ... REGIONAL AND CORPORATE OFFICES WERE NOTIFIED VIA TELEPHONE ... ..To date ; we have had no Communication/correspondence from them at all! 

However ; ON XX/XX/XXXX, we received a letter/memo from an Attorney 's office in XXXX, Wa. recommending an Additional amount BE paid in full of {$36000.00} WITHIN THE NEXT 30-45 DAYS. 
Additionally {$3600.00} OF charged work was NEVER completed for our two bathrooms BECAUSE THEY KEPT CHANGING PRICES AND WE DECIDED TO CANCEL THE BATHROOM REMODEL!
Since the Equifax data breach, I have been unsuccessful in resolving what was initially a single problem - there was a fraudulent address in my credit history. 

I received an email XXXX/XXXX/XXXX stating the " Dispute Completed '' along with a confirmation number and a link to review the dispute. 

Using that information, and confirming my identity on their site XXXX including answering questions from my credit report ( e.g., you opened a credit card from which of the following in XXXX XXXX ... those types of questions XXXX, I am unable to access my information. 

I get a page that states, " We are currently unable to process your request! The information you have provided does not match our records ; therefore we are unable to process your request online. Please try again later or submit your request via our secure Web Email dispute form. We apologize for the inconvenience. '' I have submitted my request FIVE times now via their " Web Email dispute form '', and all that does is generate another email with another confirmation number and link to review the dispute. 

EVERY TIME it says, " Dispute Comlpeted ''. 

EVERY time - SIX TIMES now - I have been unable to review the dispute. 

On submissions 2 through 6, I have explained that I can not access the page to review my dispute has been resolved. I also explained that additional fraudulent financial activity has likely struck, since I am answering those challenge questions correctly, but am still denied access to my original dispute ( and the additional five disputes XXXX. 

It 's an endless cycle of monopolistic bureaucracy - all the while likely furthering financial fraud perpetrated against me.