WillisBack/dataset-financial-user-claim huggingface dataset:
Analyzed credit report on XX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the Finance Code 392. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXXXXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.
First I received a notice in the mail but not until XX/XX/XXXX I moved from there XX/XX/XXXX.I immediately contacted them to dispute that this was mine and they had already sent it to collections and put it on my credit 2 months prior to me receiving the notice.I was very upset to say the least.An error had been mADE I explained to the lady on the phone and I could proove I immediately put the docements together and sent to them in return I wanted to see what proof they could provide and OF course it was nothing but hand written lies .I asked for photos since they were trying to charge me for damages and they have yet to provide me with any.I however have plenty of photos prooving that there was a leak in this apartment and the mold damage, and along with a letter from the management ackknowledgement that I would not be charged damages and that I was moved out XX/XX/XXXX and they still wont remove this collection.This has caused me to not get employed in my profession and Im also trying to buy a house.Also I moved from this place in XX/XX/XXXX. Why did it take over 2 years for them to decide to place this file in collections? This file was placed on my credit report XX/XX/XXXX why not after I moved in XX/XX/XXXX if this was really mine.
I'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX XXXX
I have filed several corrections to my credit report regarding two public records that exist. The three credit bureaus have failed to verify the information with updated information is verified through their own investigation ; however, they appear to be depending upon unsubstantiated or out dated records. 

I am attaching information that asserts that Equifax and XXXX are not using updated and verifiable sources to maintain the posting of their public record file on my case. ( See attached letters ) These companies appear to refer to XXXX XXXX as their source for the most XX/XX/2018 that an Opt Out request was approved on my file ; thereby, no longer providing records to any parties.
I never opened the loaned. I had someone who opened accounts and stuff in my name without my knowledge. Police report has been made and she has confessed.. I will send the later stating what she has done. I do not want payments coming out of my account.
My complaint is about PAY PAL. 
Pay Pal charged my account about {$XXXX}. 
Pay Pal claimed this was a chargeback ( probably from a credit card company ) arising due to a 3+ month old transaction. I was told that the ( Ebay ) buyer had not authorized the purchase. There was no dispute about shipping, arrival or non-arrival of the item and the item was never returned to me. I believe that this dispute is between the buyer and the credit card company about an unauthorized transaction. I performed in good faith by shipping the item ( and I can prove it but choose not to do so ). Pal Pal is illegally taking ten dollars from my account. Pay Pal should exclude me from this dispute automatically. I should not have to provide any documentation ( shipping tracking information ) about the disputed transaction because there is ZERO evidence that I did anything wrong. Pay Pal should be restrained by XXXX from taking money from Pay Pal accounts when there is no evidence of wrongdoing by the account holder AND the account holder is NOT a party to the dispute.
In XXXX 2016, I requested removal of PMI and was informed it would be removed after the XXXX payment. It was not. Then weeks later informed to submit an additional request. I did that and still nothing has transpired. Your customer service continues to tell me it is in process. The only requirement for my loan currently is it be under 75 % LTV which it is based on the appraisal you have already obtained yourself. No one can provide me with a reason as to why it has not been removed. I have been on the phone for hours with your customer service line and I am still on hold. 

I submitted payment today including PMI and expect that to be reimbursed to me.
2012 I received a XXXX for cancellation of Debt. I paid income tax on the owed amount. As of today, the original owed amount is being reported monthly on my credit as amount owed. this is ruining my credit and preventing me from obtaining a mortgage.
Simm Associates phoned my husband 's cell phone and my residence attempting to collect a debt in my deceased father 's name, threatening to sue me and file a negative credit report on my credit record, if I did n't pay the debt. The loan originator has n't contacted this company for debt collection. This company contacts consumers threatening a law suit if the debt is n't paid. The company does n't forward debt payments to the loan originating company. They keep all money/payments they receive for a debt. This company has numerous complaints filed against them for fraud and scams. This is a third party debt collection company, that does n't represent the loan originating company. This company is a fraud and scam.
My husband passed away in XXXX, a week later I notified the Mortgage Company ( Wells Fargo ) I was able to make my payments up to XXXX 2015. I called them to start a loan modification. I jumped thru hoops for them, sending every paper they wanted. The last I heard from my loan preservation agent XXXX XXXX everything was a go to submit all the paperwork to his manager that was XXXX XXXX. Today, XXXX XXXX I receive an email from a different person saying they need forms they already have, about XXXX of them. The new loan preservation guy said some of the pages were minimized and he can not use them. I do n't understand why they are giving me the runaround. For 18+ years we were never late on our mortgage. Please help me
Hello, My name is XXXX XXXX and I currently have student loans with XXXX XXXX. InXX/XX/XXXX my student loan was marked as 120 days past due. During this time in my life I was struggling to pay many bills and as a young person somewhat recently out of school, I didn't understand the importance of credit and the negative effect not paying things on time can have on your credit. Since then, I have learned to budget, I am in a much better place financially and I have systems set in place now, should I ever need them, if I come across a financial hardship so that I can continue to pay my bills on time. I have learned so much from this experience and will never be negligent in regard to paying my bills on time again! I humbly ask that XXXX XXXX XXXX would forgive the negative remark on my credit report so that I may move forward in my life and begin to build a stronger credit health so that I may pursue the American dream and open my own business soon! I was also made aware that it is possible to consolidate all of my loans into one in regard to the way it reports to the bureaus so that it reports as one loan rather than numerous, which can harm my credit potentially. Thank you so much for your time!!
Numerous phone calls, emails as well as certified mail sent to innovis, they refuse to remove fraudulent info off my report. Innovis also removed a XXXX  XXXX XXXX account that was open and remained positive which I never disputed.ACCOUNT ENDING XXXXOPEN 2007!!!!! Why is innovis purposely trying to sabotage my credit report? 


all XXXX  XXXX accounts are considered closed via innovis with charge off - all XXXX XXXX accounts open and positive and no positive reporting is reported XXXX XXXX is open and positive, yet innovis reporting closed and negative with no positive months XXXX XXXX XXXX is being reported on legitimate credit report agencies as paid in good standing WITH ALL MONTHS REPORTED POSITIVE AND INNOVIS IS NOT I NEVER OPENED XXXX XXXX IT IS FRAUD XXXX IS NOT LATE FULLY PAID XXXX XXXX XXXX  IS FRAUD NEVER MAINTAINED ACCOUNT I DO NOT USE XXXX XXXX IT IS FRAUD REMOVE XXXX XXXX XXXXXXXX is being reported I don't care if it says requests I can only see I HAVE A XXXX XXXX AND U R LETTING XXXX XXXX ALONG WITH XXXX XXXX   REMOVE IT XXXX XXXX Report # XXXX And XXXX Social sec XXXX - XXXX - XXXX
I attempted to freeze my credit report and in order to identify me I was asked if I took out a car loan in a certain month, I did not take out car loan. I later realized that I was helping my granddaughter look for a car and one of the agencies probably checked my credit. I DID NOT TAKE OUT A CAR LOAN. The web site then said it could not process my request and I had to mail in a request. The requirements for the mail application are onerous and putting all that information in the mail would probably open me up to identity theft. 
I attempted many time to call this agency and could not get through to a human. I would like to restrict Experian from keeping any of my information. I believe this is a violation of my privacy.
My balances keep increasing and I am on a IBR. I have yet to obtain employment in the field of study, and it is impossible for me to pay back those loans. They continue to raise my balance and it has affected my credit score severely! I am preparing to apply for another IBR, and I do not want my balances to continue increasing. I just can not afford it, I do n't know what to do. I can not afford to pay these loans.
I have sent various online and telephone dispute to TransUnion in reference to my XXXX.in which they have placed my mortgage as Negative Adverse Account instead of Good Standing Satisfaction Mortgage Account History.They also have my account as 1 late payment in XXXX. I never ever been or paid late, I even called the creditor XXXX myself and they look back all the way to XXXX and they could n't find anything to confirm the late payment that was placed by the Trans Union .My Mortgage was transfered 3 times.1st my home was bought in as adjustable rate so every year the rate will go up XXXXpoint until the 5 years. Yes I bought my home as a FHA had to look around and had my home was refinance to secure it with a fixed rate. 3rd I had a Loan Modification, which shows XXXX different real estate Mortgage on my credit Report, However TransUnion, because of this inaccuracy my credit mortgage as a adverse account which is consider as a negative account. My Mortgage should be in the good standing, for this reason my credit has been suffering. I 've disputed in XXXX/XXXX/XXXX also on XXXX/XXXX/XXXX also on XXXX/XXXX/XXXX also on XXXX also on XXXX/XXXX/XXXX. I 've disputed so many times and nothing has happened or all inaccuracy are still the same.I just want my XXXX XXXX to be taken out of adverse account, that the negativity on my mortgage for being late, when I was never late, current, paying as agreed and on time, be put as it should have in Good Standing Satisfactory Account on my credit report on XXXX XXXX. Please update all inaccuracy and place me where I should have been in satisfactory good standing account in my Credit Report.
Yesterday XX/XX/XXXX18 I tried to apply for an income based repayment plan. I went to student loans.gov. However the link to IRS did not work. I seem to remember this was a problem last year. I this still a problem? I was able to upload information to my to Navient as a paper application.
Sometime in late XXXX early XXXX I disputed with this creditor I asked him to validate The debt and all they sent me was a screenshot that's not proof I asked him for my signature which I have a little attached and my claim you'll see all the results that they sent me
This in an extension of my previous complaint XXXX submitted on XX/XX/XXXX about US Bank closed my two savings accounts and checking account onXX/XX/XXXX, I am still going every Friday to the US Bank XXXX XXXX in XXXX and they all know about my previous complaint but none of them have an answer and they do n't know where my too checks could be, last Friday the manager from the branch XXXX XXXX XXXX called some departments on us bank XXXX but no luck, I feel very frustrated because US Bank has in it possession my two savings money today for 28 days. 
I am upset because also for the other complaint about my credit cards closed too ID XXXX submitted last Friday, that this will impact tremendously my credit score. 
I have been Loyal to US bank for my 12 years living in the country, I have given all the information that they needed on time I have proof of that. 
I am as today LOCKED OUT with out not money just living paycheck by paycheck for the last 3 weeks. 
Damages Caused : Emotional, material, lost or will lost my great credit score that I have worked hard to keep it high, My medication for XXXX XXXX XXXX and XXXX were locked up too because not money in my accounts. 
I have n't been able to take my vacations programmed for last week because of no money. 
My friends and coworkers paying my bills with their money. 
I have n't supported my family in XXXX after the devastation for IRMA Hurricane, and now for Puerto Rico too after Maria Hurricane. 
It was ok if you did n't want me as a customer and ok to close my accounts but stole my money is not fair I think and is what I am thinking now about you. 
Really bad customer support. 
I am demanding an immediate response or I will be looking for my lawyer. 

I will attach all the proof I have of an amazing bad job and I have more proof and names if needed. 
I will make this public on the media if I do n't hear from you soon.
Detailed letter attached. Non escrow mortgage loan. Ocwen force placed coverage with no proper notice and the effective dates of their force place coverage included months my property was not in a flood zone. They have had my paid flood policy and continue to error and cause me financial harm, and inaccurate credit reporting. My payments have been deposited to suspense rather than posting because they can not correct their errors. details in the attached letter, chronology, and supporting documentation. While housing my payments in suspense account they have referred my loan to loss mitigation. My credit score has always been XXXX and my good credit is in jeopardy.
XXXX was the original file #. This company continues to give me inappropriate information and management has made promises that they never follow through with after the call has ended. They have continually put errors and have damaged my credit due to errors in their system. They claim I am entering incorrect bank account # in the system which is causing payments to be returned. I am attaching information to support the information has been valid. There were 2 payments taken out for XX/XX/XXXX payment. This would have been impossible if the information was not entered correctly. I would like for my credit report to be corrected asap.
I have a a unverified account from PENN CREDIT CORP # XXXX. I had previously disputed this account. I have never done business with PENN CREDIT CORP. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt
XXXX XXXX  GiftCard purchased in 2014. Bank states that because the card was inactive after 12 months. They automatically deduct {$2.00} per month until active. We never used the two cards we had so we lost all our entire gift card balance. Explained that these fees were outlined in the agreement. Why should the funds expire? This is the banks stealing money from consumers.
Started  XXXX   XXXX , under  XXXX   XXXX , in   XXXX    . The institute continued to call for me to begin classes. I informed them because my background would impede my ability to secure employment. I was told it did not matter what my background was they would be able to secure me a job. Upon completion of the program, they were unable to assist me with a job due to my background.  XXXX  began charging me for the loan   XXXX   XXXX    .   XXXX  would no t pay for my certification. According to the intake process, they were supposed to cover the cost of the certification. A class action suit was filed again  XXXX  and  XXXX   XXXX  for defrauding a student. There was a misrepresentation of information. To date, they have not been able to assist me with employment based on the program I completed.
This complaint is in reference to a payday from Amscot My complaint is about there collection efforts. I took out a payday loan in the amount of {$500.00} on XX/XX/XXXX. I extended the loan due to my loss of employment and I eventually ended up XXXX. I provided Amscot with payments as I received money from various jobs, unemployment, family, etc. I have spoken to XXXX and XXXX of Amscot throughout this whole process. I paid several payments and my latest payment arrangement was made that I would make a payment within two weeks prior to this recent went I went into Amscot on XX/XX/XXXX to pay my daughters utility bill for her using XXXX XXXX. I was assisted by XXXX an employee of Amscot. I presented her with the bill and told her I would like to pay this bill. XXXX proceeded to ask for my drivers license and I told her, this is to pay a bill. I handed her my license, she ran it through their system, and proceeded to tell me, " are you aware you have a payday loan with Amscot, I informed XXXX that I have made arrangements for that balance to be paid and that this transaction has nothing to do with my transaction I am here for. She continued to ask me how would I like to take care of this balance. At this time she was harassing me after I told her payment arrangements had been made and my current transaction has nothing to do with why I am here today. I repeatedly asked for the money back that I had given her for my daughter 's transaction and she kept asking how would I like to pay my payday loan back.

My problem with Amscot they are very harassing even with their phone calls to you. You call and speak to people there, explain your situation, make the necessary arrangements, and they still call you a dozen times a day. It is not necessary if they update their system. I have told them repeatedly you do not have to call me 10 times a day about this loan. They continue to do so. On XX/XX/XXXX XXXX did not read me the mini-miranda because at that time she was attempting to collect a date and any information I provided to her was suppose to be used for that purpose. This young violated my rights. harassed me when I explained to her payment arrangements had been made already. and embarrassed me.
wells fargo. we are asking for a modification on the following property XXXX pa XXXX. we were accepted for a modification in XX/XX/2016 and the bank did not let us finalize the transaction. Now the bank says there are no programs available?
I Made a Mobile Deposit For a Cheeck {$430.00} Into My XXXX Checking Account XX/XX/XXXX The Account Had A Negative Ballance {$430.00} and i made a deposit From a Valid Check in to my Checking Account and the Check Was Return XX/XX/XXXXXXXX and TD Bank Made My Account Negative Twice 2 Times and They Charge Me {$35.00} Dollars Overdraft Fee 2 Times. I Spoke with TD Bank and They Refused To Credit or Remove This Fees that was Cause From This Error My Father XXXX XXXX XX/XX/XXXX and i been having a very Defficult Time With This Fanacial Issues With TD Bank And TD Bank Refused To Help me with this Problem.
On XX/XX/XXXX the virtual currency Bitcoin Cash was added to Coinbase & XXXX exchange. I had a balance of XXXX $ in my XXXX account at the time Bitcoin Cash was added. The price of Bitcoin Cash quickly began to rise so I put in a market order for XXXX $ at XXXX . ( I shouldve received at least XXXX Bitcoin Cash ) But due to the skyrocketing value my market order went through at a price of {$4700.00} $! ( Netting me XXXX Bitcoin Cash ) So I quickly went to sell because at the next moment Bitcoin Cash was at a price of XXXX $ on XXXX and coinbase ( I was supposed to have total XXXX $ if the trade went through successfully. When I went to sell I received the message post mode only. I even tried transferring XXXX coin from XXXX  to coinbase and received the message Bitcoin Cash sells are temporarily disabled the price remained at XXXX $ for about an hour then dropped to XXXX $ still not allowing any sells. The very next day the price chart on coinbase showed that the price of Bitcoin Cash had never even been to XXXX $ and not even to XXXX! So they allowed me to buy at an inflated price and not sell at an inflated price. As a multimillion dollar exchange this was a big red flag for me. So I have emailed and called customer service to try to get some compensation because this has not only resulted in XXXX $ immediate loss due to the malfunction but I have not been able to trade other crypto because they told me to leave my Bitcoin Cash there until a representative can fix the issue but havent given me any time frame to do so. I have screenshots of the price and the message when I tried to sell. It would be the best case scenario if they can honor my sell order of XXXX $ due to their mistake. But if they can not honor the sell then they shouldnt honor the buy either because they go hand in hand with one another and Id like a refund of my XXXX .
I do not, nor have I ever had a XXXX debt. This debt is from Minnesota. I live in Missouri. It would appear to be in violation of HIPPA considering that the relentless collection AMERICAN ACCOUNTS ADVISORS INC continues to ignore the disputes per this identity theft/ false account that I refuse to be bullied into paying.