WillisBack/dataset-financial-user-claim huggingface dataset:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 

The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. 

Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note Transunion, Experian, and Equifax 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 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.
Phone was lost, unauthorized fraudulent use of card regarding a purchase for a credit card after a hard inquiry 65 points were taken away.
My credit card was used for fraudulent purchases. 
Citicards does not provide support to dispute the charges, and instead sent me a bill for the charges. Their phone line is shut down and website access to account information does not permit any disputes. 
citicards.com website makes it very difficult to dispute charges, while bills are sent promptly.
I filed for Chapter XXXX Bankruptcy on XXXX/XXXX/2016 at which time I requested affirmation paperwork from OCWEN my mortgage holder. The week after my filing, OCWEN stopped reporting my payment and reported my account was delinquent. My account has never been delinquent as shown in the attached documents from the OCWEN website. I file a complaint with XXXX and XXXX and OCWEN has refused to update my credit record to show that the account was current. On XXXX/XXXX/2016 OCWEN finally sent the affirmation paperwork to my lawyer, on XXXX/XXXX/16 I signed the affirmation paperwork and my lawyer submitted. Today XXXX/XXXX/2016 I was notified that XXXX that per OCWEN ( see attached ) that my account went delinquent on XXXX/XXXX/2016 and there has been no payments since then. I am asking for your help to get OCWEN to report my payments and account status accurately. ( never late and current )
This status that I received a credit report on XX/XX/2015. I did not! I need to see my report so that I can file disputes that may or may not be on there
I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.
Transunion was informed of incorrect reporting of student loan payment amount and current payment status. All loans are on forebereance. Loans are no on repayment. Transunion did not change the payment on loans. Loans are currently reporting a total of XXXX in monthly payments causing me to be denied other student loans. Some loans also have a zero balance.
I have loans with Navient, my monthly payment changed from about {$80.00} to {$230.00} without the proper notification. I have been steered several times over the course of this loan to take a forbearance and have done so because they have been difficult in providing the option of a finance-based loan repayment. Please help. Thank you.
I received my XXXX credit card statement from XXXX XXXX. Balance due was {$52.00} and due XX/XX/XXXX. On XX/XX/XXXX I returned an item and it posted to my account for a total credit of {$52.00}. I received my XXXX statement which notified me that I was past due and charged a {$27.00} late fee. I called customer service and was told that I should have still paid the minimum payment due amount on XX/XX/XXXX to avoid late charges and finance fees! I don't know what kind of accounting system they are using, but that is ludicrous. They have reversed the late charge but wanted full payment on my current balance ( which is not due until XX/XX/XXXX ). So I am assuming finance charges are still accruing. I was able to get the fee reversed, so I am happy with that. I've never filed a complaint with you before, but I had to wonder how many other people they are trying to take advantage of. I just assumed that I somehow had missed my payment on accident and was just going to pay the full amount. Thankfully I looked into it, but it concerns me about their credit practices and for that alone I felt this was necessary. Thank you.
On XXXX/XXXX/2015 I began receiving calls and letters from RGS regarding account # XXXX for a debt of {$180.00}. The creditor is listed as XXXX but I do n't have any credit cards or loans with them. RGS has failed to provide me with any further information and have been calling me repeatedly about paying. I gave it a couple months thinking they 'd figure out it was n't mine, but the calls keep coming.
Citicard runs a earned points system called " Citi Easy Deals ''. The points earned are based on money spent on the their credit cards, then the cardholder is supposed to go in and use the points to buy in the online store or bid in auctions or daily deals. 

The scam begins whenever they list something in their daily deal, the customer goes in the very second it lists and they always say it 's already sold out. The auction system is equally questionable. 
Citicard Easy Deals should be investigated on this.
I had an account with XXXX that I used to send money to friends. Two years ago, I was banned from XXXX. They sent me an email saying I violated their terms of service. I tried to follow up with them to understand the exact terms I violated. I got no response. A couple of weeks ago my friend told me to follow up again. I got in touch with XXXX and a representative sent me an email saying I was permanently banned from XXXX and that they do not share their share their decision making criteria. This is very confusing since I had not done anything out of the ordinary and can't understand why exactly I was banned from the service. The inability for XXXX to explain what term I violated is concerning. I have no way of knowing why I am being excluded from this service, so this is why I am reaching out for your help. I know I did not do anything illegal, so I think XXXX should be more transparent of why they made their decision, especially given some of discriminatory setback associated with the financial services and XXXX XXXX. I am a law abiding XXXX XXXX man with no criminal history, so I am concerned this denial of service could be for other reasons.
I keep recieving calls from a company, OSC-LLC, phone number XXXX, trying to contact a person who does not live in my house. I get a recorded message saying to press a button to speak to a representative, or to call back with the case # # # # # #. I have called back to this company and informed them that the person they are looking for is not a member of my household and to stop calling me. Last week I spoke to a male at this company and was assured that they would take my number off of thier list. Today, XXXX, I recieve another message from the same company. I am going to call them back XXXX more time and get an address to send a letter from my attorney.
I have requested from the company ( Home Direct Mortgage ) two times already for the original " Note '' that I signed stating that it was paid off sent to me. It has been over a month and a half and I still do not have the original. This document is with the same company I originally signed the mortgage with and that stated to me that they do not send out the original back to the mortgagee. This is quite strange to me since I used to work for one of the largest mortgage companies in the country and if a customer requested the original back when they paid it in full we always sent it back. I just received the original from XXXX on my current house so I don't understand this company Home Direct Mortgage not sending me the original since it has been paid in full back in XXXX. I took out the loan only 4 years ago where is the original paperwork?
My VISA debit card ( issued by First Citizens Bank ( FCB ) aka First Citizens BankShares , Inc. was used to process XXXX separate fraudulent transactions for a total of {$410.00} on XX/XX/2017. My name is XXXX and my FCB acct is : XXXX. 

FCB ( or their fraud detection agent ) called me early that evening asking if I approved the charges which I emphatically did NOT and in fact requested that they " freeze '' the account. I called First Citizens ' Customer Care early the very next morning and disputed ( all 14 unauthorized charges from the prior day ). The FCB Customer Care Supervisor " XXXX '' said FCB would reverse the charges but for me to check my XX/XX/XXXX statement to confirm ; if not, to call FCB back so they could " manually remove them ''. All XXXX fraudulent charges appeared on my XX/XX/XXXX statement so I called as requested but at that time I was told that in fact I ( not FCB ) would have to follow-up w/ each merchant to dispute the charges. I requested a Form E disputes form for which they had no knowledge so I requested that they open a case w/ their Fraud Dept. I do n't think they did and I received a letter a few weeks later stating simply that there was no bank error thus no charges will be credited. I again called FCB Customer Care to get more detail since my statement did n't even reveal which locations were used to perpetrate the fraud. I still have no more information about this case than appeared on my XX/XX/XXXX bank statement. I also asked them why the EFTA ( Electronic Funds Transfer Act ) did n't apply in this case and none of them had even heard of the law? 

FCB 's position now seems to be that I 'm responsible for all XXXX charges since " some '' were made w/ a Chip-only card ( which I ca n't confirm of course as I do n't have sufficient detail from them regarding the transactions ) and that they were made " in my area ''? 
Obviously, this is unacceptable especially since I specifically requested an ATM-only card when I opened this checking account and I was misinformed by the XXXX branch who said it would not be functional as an ATM card which turned out to be totally false. In fact, I later learned that I would need to open a " Savers '' account to get an ATM-only card. 

This is by far the worst banking experience of my ( XXXX year ) life and I will follow-up w/ the NC AG 's office, then file a small claims action in XXXX County NC if necessary. If all else fails I will do all that I can to ensure that others are aware of this FCB " policy ''!
I attended the University Of XXXX at the time of registration i advised the enrollment department that i did not have my XXXX or XXXX i was told that it would be fine, all to find out that none of the credits that i obtained are even valid because you can not get financial aid without being tested and or having a XXXX or XXXX once i found of about this i withdrew from the university of XXXX the school then sent the funds back to the government and placed my account in collections i have not been able to get this resolved and it has been almost XXXX years. The university of XXXX has a XXXX for not applying funds from the government to accounts instead sending students to collections. I would like to have my loan removed from my credit report
My account information was compromised and I 've been enrolled in their identity theft protection program without my consent. They also took over a month to make me aware that my information had been compromised. Meanwhile, their executives have been selling off stock in the company before making their announcement. This is in regards to Equifax.
I have XXXX credit cards with Bank of America, and have a GOOD history of making my payments on time. This month, however, someone was late sending me a check, and the cards were A FEW DAYS past due. On Sunday, XX/XX/2017, I was away from home and stopped to buy gas. My credit card would n't work. Luckily it took my debit card. This was on a Sunday afternoon. I called my bank as soon as this happened, and was told that because I was A FEW DAYS LATE, they had turned off my credit cards WITHOUT WARNING. 

What would have happened if I had n't had my debit card with me? I was a good XXXX miles away from home. I WOULD HAVE BEEN LEFT STRANDED, WITH NO WAY TO GET HOME. I WOULD HAVE HAD TO CAMP OUT IN MY CAR ALONG THE SIDE OF THE HIGHWAY AND BEEN LEFT AT THE MERCY OF PASSING MOTORISTS. I 'M XXXX YEARS OLD AND XXXX. I COULD N'T HAVE DEFENDED MYSELF IF SOMEONE HAD BROKEN INTO MY CAR WHILE I WAS IN IT. I COULD HAVE BEEN XXXX OR XXXX. 

If i had been 30 past due I would have understood this, but it was LESS THAN ONE WEEK. What if I 'd mailed a check but it had n't cleared yet? I would have STILL BEEN LEFT AT THE MERCY OF PASSING MOTORISTS. 

Why did n't Bank of America NOTIFY ME THAT THEY WERE DOING THIS? I had NO WARNING WHATSOEVER. 

I got my check, the credit card payments have been made, but I have changed banks. I HAVE ZERO TOLERANCE FOR ANY BANK THAT WILL WILLFULLY ENDANGER THE HEALTH, SAFETY AND WELL BEING OF THEIR CUSTOMERS.
I have submitted a dispute to Early Warning Services several times now and the false inaccurate information still remains on my report. As i have stated to Early Warning Services the information being reported from XXXX XXXX about a XXXX Checking account, and from XXXX XXXX XXXX for Checking, Savings and Investment accounts are incorrect on the Consumer report they provide. I have made several attempts to contact them and instead of reading my concerns they continue to say the information being reported is accurate. Even though these accounts were opened as a result of the identity theft that had occurred to me. Which i have also informed them. 

These accounts XXXX XXXX XXXX, and XXXX  XXXX XXXX, as well as XXXX XXXX, and now i am seeing a XXXX account all were opened as a result of Identity theft. I never lived at XXXX XXXX XXXX XXXX, Tx XXXX nor XXXX XXXX XXXX XXXX, Tx XXXX. It's also good to note i have reported this identity theft to the FTC which i will attach. As the XXXX information XXXX XXXX is reporting is that these accounts were " Closed for a Cause '' which is affecting me from obtaining another checking account. These account 's were never opened by me, and in fact i did file a identity theft claim with XXXX XXXX. XXXX XXXX Advised me they were " Researching '' Never responded to my claim and i have marked that in my Identity theft report as well. I have never banked with XXXX XXXX, Nor XXXX  XXXX and i want this information removed from my report with Early Warning Services.  XXXX XXXX told me they never reported any Account information to EWS even after showing them proof. So please review and remove these accounts opened as a result of identity theft.
On Friday, XX/XX/2017, I made many attempts to contact the Navient 's Private Loan Department. When I called I was transferred to the Department of Education Department, where I was asked a verify information. When I asked to speak to someone in the private loan department they would transfer me, but the transfer never worked. Instead, I would get a dial tone. I called repeatedly with the same results. I spoke to about 12 different people regarding my Department of Education loans, but they were unable to transfer me or offer me help on how to move forward with my private loan.
In XX/XX/XXXX, I paid for the remaining lease payments on my XXXX XXXX XXXX. In XX/XX/XXXX, I traded in this vehicle to XXXX XXXX. At that time, XXXX XXXX sent a check to Chrysler Capital buying the vehicle. On XX/XX/XXXX, I went into a XXXX dealership to purchase a new vehicle. Upon doing a credit application, I was denied. After going to a different dealership, the sales manager called Chrysler Capital. At that time, it was discovered that the vehicle in question account was closed with an OUTSTANDING balance of {$20000.00}. This is the amount of the check that was sent over 2 years ago from the dealer who purchased the vehicle. Chrysler Capital credit department never updated the file to " paid in full ''. After making nearly 20 calls to find out what was going on with my account, I was finally able to reach a representative in the Office of the President who did THOROUGH research who had the file updated and reconciled with a " {$0.00} '' balance.
When depositing a pay check through Wells Fargo mobile app, the deposit has always been available immediately. When using the service today, I get an email after the fact stating that the funds were not going to be available until tomorrow - leaving me with an overdraft on my account, and NO money for groceries today. I tried calling Wells Fargo at their helpline ( XXXX ) to ask if it could be reversed so that I could take the check to the bank and cash it there. They said that that was impossible. It should also be noted that my paycheck is also issued from a Wells Fargo account. When I talked to them - they said that in the terms and conditions ( many pages of fine print ) they state that some times they require overnight processing. I find this ridiculous since it is from Wells Fargo to Wells Fargo. I had been given that warning in the App, I would have walked to the bank and cashed it there and I would have had cash in hand. The check was for {$2500.00} - which is within the limits permitted in the App. I have confirmed with my employer that the funds went out of their account immediately - so this is simply a ploy by Wells Fargo to earn interest on my money.
In late 2010 we opened a car loan account with BMW Financial after paying by mail for a number of months, we contacted customer service at BMW Financial to set up our auto-pay. They walked me through the process, i specifically asked if I need to make an interim payment and they said no. 33 Days later I just happened to check my account, because i had not seen money removed from my bank account. i contacted BMW directly and they said I was late 33 days and needed to pay for the missing payment during the transition period. They also said although it was technically beyond 30 days, that they would not report it as late due to the circumstances. I did not realize that they had reported it as late until months later after applying for a home loan. The account was paid off entirely and they have been unhelpful in my efforts to remove the erroneous report from my credit.
XXXX mortgage gave my now deceased Husband & I a forbearance, then transferred our mortgage to another of their own companies ( Lakeview, a trademark of XXXX ) during the forbearance. Lakeview hired, XXXX XXXX XXXX BANK to service the loan. XXXX violated the forbearance agreement on the loan, even though they were made aware of the agreement. 
We received a forbearance from XXXX because my Husband was sick & even the XXXX. could n't figure out why. When XXXX XXXX XXXX took over the servicing they asked for mod paperwork every month never doing anything with our information, during the forbearance.They created so much stress in my poor Husbands life .... the very last year of his life at age XXXX, while having XXXX & not knowing it. They also posted to my Husbands & My credit reports that our home had been REPOSSESED/FORECLOSED during the forbearance. If this was true then why am I still living in the house? The stress during this period of unknown sickness, during the forbearance put my Husband in the XXXX XXXX hosptal for XXXX days, XXXX of those on XXXX. He ended up having XXXX in 12 hours & almost died during both. This happened 5 days before the forbearance would have ended .... yet for the last 7 months of the forbearance ... What we thought was going to be the time we focused on finding out why my husband was so sick, we were forced to feel like we were going to BE HOMELESS. For 2 full months, after his XXXX my Husband was n't even able to XXXX by himself, as well as take care of his XXXX. Then 4 months later we found out he had XXXX & was too weak still from the XXXX emergency XXXX 4 months earlier to be able to live through XXXX to save his life. My Husband passed away 7 months after finding out he had XXXX. XXXX XXXX XXXX actually called the day my Husband died asking me " When are you going to make a payment! ". In the phone records you should find my statement " I do even know if my Husband will live through the day today ( he did n't ) & your company helped him get to this point! '' *I strongly feel if our forbearance had been respected by XXXX XXXX XXXX during the forbearance period it is highly possible my Husband & I could have benefited from non-stress relating to our HOME. So that we could be able to focus on my Husbands health. As sick as my Husband was ... going to the XXXX XXXX sometimes XXXX for Dr. appts a week, he still tried to work, making out applications for employment because he had to leave his job at XXXX which was too physically demanding for him to keep, which was why we were given the forbearance to begin with. He never gave up trying to defend his Home & Family XXXX XXXX XXXX until he took his last breathe at age XXXX, 2 years ago TODAY. 
*This breaks my heart, not just for the pain & suffering my Husband & I have endured but, knowing that these lenders have & are most likely doing or have done this to who knows how many other innocent people! 
This is NOT OK! 
I believe XXXX has done a very cruel thing to a very good man, at a very young age!