WillisBack/dataset-financial-user-claim huggingface dataset:
Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need to deliver court documents. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX, XXXX, and XXXX  are bonded in the state of Texas and are required to comply with Texas Finance Code. If  a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ),  that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards
SENECA MORTGAGE refuses to contact me and wo n't pick up there phone there is NO ONE to talk to. They are charging me XXXX $ a month for EARTHQUAKE insurance. I HAVE EARTHQUAKE INSURANCE!!!!!! I HAVE SENT PROOF XXXX THEY ARE STEALING FROM ME.
I have previously filed complaints and attempted to resolve this with XXXX XXXX XXXX.

The account has now been sent to a MRS BPO, L.L.C. collection agency for collections.

I am including a letter for review.
sear card close my account when in fact I have documents payments has been made I sent the two showing the payment has been piad and the reported it using another names the same account and refused to give credit for payment made
The account XXXX Date of First Delinquency has been re-aged on my Equifax credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX , XXXX FL XXXX I have disputed this information several times with the disputes department at Equifax. The information will be corrected and then re-aged again.This information has fallen off of my XXXX and XXXX file. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.
THIS COMPANY XXXX XXXX TOOK ME TO COURT FOR {$7000.00} FOR SOME AUTO LOAN THEY ALLEGED THAT I OWED, I DENIED THIS CLAIMED WENT TO COURT TOLD THEM TO SHOW PROOF AND THE COURT DATE WAS RE SCHEDULED TO GO TO TRIAL WITH THEIR ALLEGED PROOF, THE COMPANY NEVER SHOWED UP THE DAY OF TRIAL WHEN BOTH PARTIES WERE CALLED UP TO THE STAND AND THE JUDGE SAID DISMISSED WITH PREJUDICE. I WENT BACK TO THE COURT HOUSE TO GET A COURT CERTIFIED COPY OF PROOF OF THE JUDGEMENT, SENT THAT COPY TO ALL 3 CREDIT BUREAUS WITH REPORT NUMBERS, IT WAS DELETED FROM XXXX, XXXX XXXX BUT STILL REMAINS ON EXPERIAN, THEY HAVE TO REMOVE IT PLUS THE COMPANY GOT A COPY OF THE SAME JUDGEMENT, WHEN I CONTACTED EXPERIAN THEY TOLD ME THEY ONLY REPORT WHAT THE COMPANY REPORTS BACK TO THEM, SO BASICALLY EXPERIAN IS KEEPING THIS ACTIVE ON MY EXPERIAN CREDIT REPORT BUT DELETED IT EVERY WHERE
In year XXXX, I opened a Capital One Bank account. In year XXXX, I already paid off the debt that I owed from Capital One Bank. Ever since I paid off the debt in XXXX, I shredded my credit card, and never used it again. In XXXX XXXX, XXXX, I have received a letter from XXXX XXXX XXXX, the letter was stated that I owed Capital One Bank {$3100.00}. 
In XXXX XXXX, XXXX, I wrote a letter to XXXX XXXX XXXX, the description of the letter was about " I have never taken out a loan from Capital One Bank '', I requested them to verify the debt ; however, in XXXX XXXX, XXXX, XXXX XXXX XXXX sent me another letter, the letter stated that they have completed their investigation of my dispute concerning my account. They have obtained and reviewed the attached documents related to this account, which establish its validity. I want to strongly point out that the attached document is Capital One Invitation that shows that when I first opened Capital One Bank account in year XXXX, I had provided my social security number, and my mother 's maid name. I 'm extremely irritated because they used the Capital One Invitation letter as their reason to claim that I owed {$3100.00}. I feel like Capital One Bank is trying to rob me. The Capital One Bank is harming me mentally and psychologically. I could n't sleep for days because Capital One Bank is trying to rob XXXX from me. Last but not least, I strongly emphasize that I do not owe Capital One Bank any money, not even a dime. 
My personal thought : when I received the first letter from XXXX XXXX XXXX, I felt like it was very unusual. Debt collector tried to collect debt from me after many years later. I do not have Capital One Bank anymore. I destroyed my credit card when I paid off my debt. My highest debt back then was around XXXX {$.00} 
P.S. In year XXXX, my identity was stolen.
On XX/XX/XXXX, I contacted XXXX support team as I couldn't login to my XXXX account. Got an email with Case # XXXX that the case is assigned to a specialist for review. Till today ( XX/XX/XXXX ) even after 45 days, there is no solution from the XXXX support and still can't login to XXXX  account. My funds worth almost {$12000.00} got locked in my account and couldn't access them. Contacted XXXX  support several times but they are still saying the account is under specialist review and no way to contact that department directly. I got huge loss in this mean time as crypto market crashed and I couldn't sell the coins in my account. 

I need access to my XXXX account to use my funds. Please help me in getting the access back to my account so that I can login and use the funds. Please help me at the earliest.
WELLS FARGO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ADRESS : CREDIT BUREAU XXXX XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WELLS FARGO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WELLS FARGO or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
I have noticed being unable to be identified by credit reporting agencies ( resulting in an inability for even XXXX to locate my file ). After calling XXXX XXXX from a company card, I found out that my previous business partner was using my identity to leverage a business card using my name and information. 

His name is XXXX XXXX. 

The billing address for the card was his address at XXXX XXXX XXXX XXXX, XXXX XXXX California. XXXX ( I believe ). 


I also noticed after XXXX finally accepted my identity that there were tons of errors etc. Accounts that are not mine and inquiries I haven't authorized. 

This has destroyed my creditworthiness and now my business which I started in XX/XX/2018. 

I would like to have this resolved.
I have the BestBuy credit card managed by Citi. I have had the card for almost 10 years now. I have never not paid the full amount every month. I used to pay it off every week, but they changed their stance several years ago so that 4 payments in a month was considered fraud and kept locking my account. Now I am being told that paying off the credit card every month for what I owe $ XXXX+ is also considered fraud and they have locked my account to prevent further fraud. I 'm told that I will not be allowed access to use my card for 8 days to protect me from the fraud I committed by paying my balance in full every month from the same account every month with realatively the same amount every month. In this instance I made a payment on XX/XX/XXXX, according to my bank Citigroup received payment on XX/XX/XXXX. I have called on XX/XX/XXXX & XXXX and they confirm that they do have the payment, but because I paid the full amount that I owed, from the same bank account I 've used for years, they have locked my account for 8 days as fraud precaution. I was out of town on a trip during this time frame and being locked out of my card without reason is extremely inconvenient. I 'm told that I should be happy that I am receiving this protection because somehow it protects me. I believe Citi is purposely restricting me because they only make money off my transactions and not from interest charges to me, which I believe is unfair.
I have a credit card with Capital One, a gm card to be precise. Before XXXX I ordered some vinyl upholstery from XXXX XXXX, after receiving notice that the order had been delivered, but not received by me I complained to Capital One. They arbitrated an agreement with XXXX XXXX to reissue the order, XXXX XXXX would not send the order until they got the cash back from Capital One. After another long wait I cancelled the order, and XXXX XXXX told me there would be no refund because they never received the money from Capital one. I have been waiting months to see a refund, and finally filed a complaint, they tell me they ca n't help me. I have no product, but am still out the money plus interest charged on my original complaint.
XXXX XXXX continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.
Prior complaint XXXX was closed and I am still receiving automated calls and automated messages filling my voicemail after company sent communications that I would not receive further calls. 

You have a copy attached to complaint from XXXX.
XXXX mistakenly send me to collections. This situation was resolved with XXXX XXXX. XXXX XXXX informed the collection company that this was resolved. I continued receiving collection notices. I requested documentation from XXXX XXXX that this was resolved. I have a letter from the collection company, dated XXXX/XXXX/15 that the account was closed. I received another collection letter dated XXXX/XXXX/15.
I contacted Transunion to clear up a record regarding a settled debt, and received a message saying it would have to be " manually processed. '' I did not hear from them after two months. 

Here is the background settled a debt with XXXX XXXX XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.
There is a Tax Lien on my credit report that need to be removed. 
Reference # XXXX Amount : {$350.00}
XXXX XXXX engaged in unethical behavior by canceling my lowes card for false reasons. 
On XX/XX/2018 I received an alert on my credit report that's account of mine was closed. Having not initiated this closure immediately counted lowes credit service. They told me it because a had delquent accounts. Well I called them out on that because I knew I did not have any. Well I was put in touch with a XXXX in the excutive offices he was no help and did not even try to help he was oh well. I was then contacted by a XXXX in the excutive offices she sounded like at first she wanted to help. She told me she would send it up to her risk management team and they would pull my credit again and make a decision, just Incase there was an honest mistake. Being humans a mistake was possible so I'm like ya go a head she the told me it could be 7-10 days before they know the out come. So when she finally found an answer she was like sorry we can not pull credit again your just out of luck. So I then was put in touch with XXXX boss who told me if I get I copy of credit report and it showed no delinquencies she could get it reopened for I did that and there are NO delinquencies on it. Anther hoop synchrony wanted me to jump through that I did and it was not go enough. She finally said she could not help me and would have the VP of synchrony help me. Well the VP called and offered no help at all. Then I was put in touch with XXXX and he tried to tell me that XXXX XXXX reported my credit card late so immediately called them and guess what they no. Even provided me a letter to prove that the info synchrony got from XXXX was in correct. Still did not help. I honestly believe that some where along the line an honest mistake was made and they have gone above and beyond to cover it up. Have also been waiting for someone to call for over 3 wks to settle the account they closed for fraudulent reasons. Also I have attached the letter stating the account was closed for delinquent accounts and my credit report showing XXXX delinquencies. Also attached is the letter from XXXX XXXX stating that did not report any delinquencies in XX/XX/XXXX.
I paid off a $ XXXX to $ XXXX credit card balance with regular payments ( automated to be prompt ) for approximately 3 years. Sometime after the last programmed check was sent, I got a notice that I owed {$10.00}, and there was a late fee of about {$40.00}. I paid off the {$50.00} and got another notice a few weeks later that I owed another {$40.00} or so. I called to complain and asked, " How much money do you want to leave me alone? '' The agent apologized and removed all charges, said I did n't owe anything else, my balance was XXXX. I thought this ended it. Now comes my complaint. I learned that I had a negative entry on my credit report for late payments! This lowered my score and disqualified me for a loan I was applying for that offered favorable terms. This is not the first time that I end up hurt by Bank of America, and I feel a need to seek some justice.
XXXX XXXX with XXXX and associates called my sister, on her personal cell phone asking for me. He told her that I owed a claim and they were trying to reach me before I was served papers by XXXX XXXX. ( I do not live in XXXX XXXX and have n't since XXXX ) He left a claim number XXXX and phone number XXXX. I called the number and asked what the company was and the individual asked for my phone number and I refused. He then said well I need something to pull you up with. I said I would like to know what type of company I 'm dealing with and why you are calling my family members looking for me ( not once did he state they were a debt collection agency attempting to collect a debt at all ). He said they were a acquisitions firm and they deal with over XXXX different areas that he needed a phone number or something to connect me with the correct area. I gave him the claim number XXXX. He confirmed my first and last name, and told me to give him one moment. About XXXX seconds later a second gentleman that did not give his name picked up the line and asked for my phone number. I refused again. He said in order to help me he needs info from me, and I asked him why did n't his last teammate give him that. I 'm not giving any more info than I have already provided. He immediately became extremely forceful and rude in his tone. He said he was XXXX manager, that XXXX was unavailable so he was taking over. I said so why is XXXX calling me. He said because you owe on an XXXX credit card. I said not sir I do not. XXXX was purchased by XXXX XXXX XXXX around XXXX or so and any debt I owed to XXXX was paid back in XXXX by my mother on my behalf. He said no XXXX XXXX XXXX sold the debt, we are trying to contact you to give you the opportunity to pay before we garnish your wages on XXXX XXXX. I said there is no way you can garnish my wages for any debt that number 1 has been paid, and number XXXX that is from well over XXXX years ago. He said oh we can and because you do n't want to work with us we will go ahead and push the garnishment through early. I work XXXX and can lose my job for wage garnishment. This has to be illegal.
The lender has failed to respond to our QWR and Notice of error request sent on XXXX/XXXX/XXXX and are proceeding to sale set for XXXX/XXXX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
PNC added a fee to my checking account without notifying me. I didn't notice the fees till about two years later. There were 21 monthly fees of {$25.00} each, totaling {$520.00}. PNC refunded me {$75.00} but notified me via phone that they couldn't refund the other {$450.00} because it " relied on the customer notifying PNC. ''
I have overdraft fees tied to charges that posted with a positive balance on my account. At the end of day on XX/XX/2019 I checked my account and had about {$5.00} in it. According to Wells Fargo reps the system posted the transactions in a different way than what it shows on the consumer side of the system. This caused my account to be actually XXXX even though it didnt show to me the prior night or even on the following day when the overdraft charges were made.
Under the FCRA, I request that LexisNexis immediately notify XXXX of the folllowing : That the bankruptcy Item XXXX is deleted from my LexisNexis file. And to provide me with a copy of said communication. Under the FCRA, I have the right to : - Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by him who has received a LexisNexis consumer report for employment purposes within the past two years, or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of Colorado, Maryland, and New York ).
I am showing an open balance of {$4500.00} on my chase credit card number XXXX. This account was sent to collections to XXXX XXXX XXXX where we had a signed contract to resolve my balance for XXXX. I made 9 payments to them for {$230.00} and one for {$350.00} which is equal to {$2200.00} leaving only one payment of {$350.00} to fulfill my contract I signed with them. The last payment of {$350.00} was made on XX/XX/2016 and shortly after that they changed their name to Alltran and renege on my signed contract and after getting to talk to even the managers they wouldnt accept the final payment of {$350.00} and said I owed the whole {$4500.00} amount. We got into quite a heated argument over them not accepting the contract they agreed to and I have never heard from them again on this matter. Still the {$4500.00} is on my credit report saying it is still what I owe. I hired XXXX XXXX XXXX at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX with XXXX XXXX as my advisor to settle this debt for me with XXXX XXXX XXXX and I have included in this my statement from XXXX XXXX XXXX who XXXX XXXX XXXX uses to pay the money to the debt collectors or banks my 9 payments made by them for {$1800.00}. I also have included the payment I made myself after I ended my contract with XXXX XXXX XXXX where I paid {$350.00} straight out of my bank account equaling {$2200.00} with only {$350.00} being owed to settle my debt. I have been unable to obtain my signed contract from either Alltran or XXXX to prove this is what was agreed upon but I hope you can and be able to settle this matter for the {$350.00} I owe still. Thank you for any help you can give me in this matter and I hope you can finally settle this. 

I sent this to XXXX over 30 days ago and under the fair credit reporting act they were suppose to look into and I never heard back from them. After 30 days this is suppose to come off my credit report if they do nothing and that's what I'm trying to do.
I received a check from Bank of America for a residual balance on a closed account. Inadvertently, I cashed this check, which was beyond the " Void after 120 days. '' Initially the check was paid to my account. Then, the amount of the check, {$14.00}, was removed from my account, and I was imposed a {$12.00} returned item fee. In general, I find Bank of America 's fees to be deceptive as they are not clearly advertised, yet they are imposed frequently. I find the returned item fee of {$12.00} to be unfair as it is Bank of America who owes the {$14.00}. It is predatory to not only keep my money once the check is void, but then to charge me {$12.00} when I try to claim the money that is mine.