WillisBack/dataset-financial-user-claim huggingface dataset:
Per TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

The following company does not have a surety bond on file with the State of Texas and is actively pursuing collections via mail to my address. I notified them via certified mail that they are in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E and demanded the immediate removal of this tradeline from all three credit bureaus as they have violated the aforementioned laws. 
Company name : United Credit and Collections XXXX XXXX XXXX XXXX XXXX, MO XXXX
I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to experian with a copy of what I was sent and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.
Around XX/XX/2018 my car was repossessed by American Credit Acceptance. I fully admit that. The problem is with the amount they claim i owe. I never got any letters from them after they took my car. I never got a deficiency letter stating how much i owed after they sold the vehicle.. On my credit report they have changed the alleged amount owed every month for thee past 4 months. I have been disputing the account with all 3 credit bureaus and every month my credit reports show a different amount owed. This is illegal and a violation of the FCRA. They have also violated the UCC
GM Financial reported me with a 30 day Past Due remark on my Credit Report. They did this without ever contacting me to inform me of ever being past due. I was only ever given Statements that showed I was actually over paying my lease and therefore, had a negative amount due. I even confirmed this with them on a number of occasions. I was actually told I did not owe anything! I have full documentations showing all statements, for the past three months, that show I had no payment due.
The collateral for this loan was in an accident on XXXX/XXXX/16. It was declared a total loss on XXXX and check mailed out on the following day by XXXX. I spoke to WFDS and explained the situation and asked if I would still need to make the XXXX payment and was told that if the money was received by the insurance company I would be fine to not. I called twice weekly asking about the payment when the website was n't updated and was finally told on XXXX/XXXX/16 that they did not, in fact, receive the payment. 

Frantic I told them that I was 7 days away from being 30 days late. They said not to worry, have your insurance company stop the check, issue a new one and overnight it to the following address : XXXX Attn : Wells Fargo Dealer Services XXXX XXXX XXXX - XXXX XXXX Colorado XXXX It was sent the following day ( XXXX ) as XXXX had already picked up from XXXX that day The XXXX checks totaling ~ {$20000.00} were received by WFDS on XXXX at XXXX local time and signed for by XXXX XXXX. 

I called XXXX, XXXX, XXXX asking if they had posted, worried about my credit and was told by XXXX, XXXX and XXXX that it would be fine, and the payments would be posted by the postage date. 

After the weekend, I continued calling, still worried about it not posting and then showing XXXX payments due and was told by XXXX that money, contrary to the original calls, would be a " principal only '' payment and that I was indeed late and our line got disconnected. I called back AGAIN and was told by XXXX that I was ok and it would not be. No one at WFDS is helping or making sense, and I 've worked SO hard to make sure that my credit was perfect after our chapter XXXX. They have now as of XXXX/XXXX/2016 posted it as 30 days delinquent despite being told repeatedly I was fine and had nothing to worry about. 
They have now also put me down as not having insurance, on a totaled car, and are threatening to place insurance at an absurd cost to a car that does n't exist anymore. 

Please help.
TENS OF THOUSANDS OF DOLLARS MYSTERIOUSLY DISSAPEARED FROM MY ACCOUNT UNBEKNOWNST TO ME. AND AFTER NUMERIOUS ATTEMPTS TO OBTAIN ANY BANK STATEMENTS AND FRADGULENT CREDIT CARD PURCHASES FITH THIRD BANK REFUSES TO RELEASE TO ME MY BANK STATEMENTS ... ..AS IN NO BANK STATEMENTS XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I WAS UNAWARE THERE WAS AN INSTITUTION I COULD CONTACT TO PROTECT ME. BANK ACCOUNT NUMBER IN QUESTION XXXX. XXXX. AFTER NUMERIOUS ATTEMPTS TO RETREVE THESE STATEMENTS .... NOTHING. PLEASE HELP ME
XXXX a creditor has failed to correct inaccurate information in the remarks on the Transunion and XXXX credit report. It has been a merry go round with letters stating on XXXX behalf that this would be corrected and it has not been done so with no end in sight. The fraudulent information reported by creditor is that account was closed at consumer request which is absolutely not true because the file has ok from XX/XX/XXXX thru XX/XX/XXXX paid as agreed with no closed mark in any month so therefore information they continue to inaccuratly has done harm to my credit and I have legal right to clear the error. They reported my account open and closed for 6 months last year playing games with my credit. This is turning into serious legal issue. If it is not corrected I will be seeking legal counsel.
SUNTRUST BANK is charging business owners {$75.00} to make payroll changes for employees that are paid with paper checks. I 've asked on numerous occasions if this is their policy and if so, please provide proof. They have yet to do so.
The morgate company representative claimed their company could take over our taxes, and insurance payments, and we provide funds in escrow account. They never told us that once you do that you ca n't get out of payments to escrow in lew of payments for those things. They mis-representated themselves. I canceled their insurance and bought my own, they refuse to stop the escrow included in my monthly payments.
I graduated XXXX in 2014 and called XXXXAES who now services my private loans. I asked them for an estimate of what my payments would be in XXXX when they come do and they finally gave me an estimate. I asked how long the repayment term was and they would not tell me. I would like to know how long my terms of repayment are.
To whom it may concern. I have been identified for another individual with the same name as me. I go by XXXX XXXX and I have been identified wrongfully and I am a victim of indentity theft. I have never signed any documents including student loans with Fed Loans Servicing oXXXX XXXX XXXX XXXX XXXX. I know for sure that my name is mixed up with another XXXX XXXX, I 've had problems with this before in elementary school and now. It is a frustrating situation to be indentified for accounts that I have never opened. I never attended any school. Please fix this problem. This is an ongoing problem and it needs to stop asap. All Fed Loan Servicing and XXXX XXXX XXXX XXXX are to be removed from my credit report. It was erased and placed back on my report and if it is n't removed for good I will have no patience or understanding and allow my lawyer to deal with you in a civil or federal court.
In its response, Wells Fargo claims there is no problem with what they did and it 's all fine. That is not true. 

Paragraph 4 of the Note ( contract ) states that a prepayment which is to be applied to principal only can only occur when I tell the Noteholder [ Wells Fargo ] in  writing that I am doing so. I did not make such written instructions and Well Fargo admits this. Therefore the XXXX XXXX payment could not be a principal only payment and should have been credited as a regular monthly payment. 

Nothing in the Note ( contract ) prohibits me from making a payment early, as I did by paying for the month of XXXX in late XXXX ( XXXX XXXX payment ). If there was ANY confusion as to what this was for, Wells Fargo should have contacted me, but they did not. Indeed, the simple text of the Note ( a contract ) states that Wells Fargo will apply payments to interest before principal. This is stated in paragraph 3 of the Note, a written contract between the parties. 

Yet, in its XXXX XXXX, XXXX letter Wells Fargo states that it applied [ the XXXX XXXX payment ] to the principle balance ( p. 2 of its letter, middle of page ) and did not credit it to my account as it should have done. Wells Fargo violated our contract, and attempted to collect a late fee. I would like to know how many other consumers have suffered from such illegal actions by Wells Fargo.
Wells Fargo claims at the end of p. 2 of its letter that it handled my account appropriately, yet this is manifestly untrue as Wells Fargo violated the Note contract, and the CFPB should take enforcement action to ensure that Wells Fargo does not repeat such mischief. 

see XXXX which you closed without allowing me to reply!!
State Farm Bank used XXXX XXXX XXXX to go behind my back into court in XXXX, GA to sue my for a XXXX plus debt that State Farm Bank charged off in XX/XX/XXXX.I paid State Farm Bank XXXX XXXX this debt in XXXX 2015. Since that time I have been trying to get State Farm Bank or XXXX to send me a signed receipt from State Farm Bank via email showing that the {$11000.00}. applied to the account the was charged off. For 7 months State Farm Bank and XXXX refuse to give me a receipt. I have the check that was deposited in XXXX account in XXXX 2015 copy of check attached.
Applied for a refinance of my primary residence on XX/XX/2016. Received an auto responder email thanking me for the application. NOTHING since that time. A couple lame emails saying they were escalating my request for info to a manager. NOTHING. I got someone on the phone today and was told that particular loan officer left the company. I 'm quite surprised that they circumvented the regulatory requirement to provide me with disclosures within 3 days after I applied. I cancelled the application as I no longer trust the service going forward. My phone call today at least got my application cancelled - I hope, as I seriously doubt I will get any confirmation via email or in writing.
Have had financial setback so called cc and asked for hardship plan. Two companies would not help me. Talked to XXXX and enrolled so they could help. PayPal credit was sent check for {$150.00} on XXXX-XXXX-18.  Had to mail cause this cc wont sign up for electronic payments that XXXX uses. The check was cashed on XXXX-XXXX-18. As of today at XXXX they have NOT credited my account. XXXX is a DMP that helps folks get their financial problems under control. XXXX has been in contact with PayPal credit and trying to get my account corrected. Please help me if you can. I think outrage that they can do this to consumers.
After months of requests to ICS, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.
I was recently looking at my credit report there is an account the was delete and was sold to another collection agency and it is not my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DEMAND A RE-INVESTIGATION. 
I would like to know what was the method of verification ( mail, phone, E-Oscar, email ) FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims. This slow or unresponsive method is unacceptable. I request to see ONLY original contract wet ink, proof of ownership ... ..anything else I will consider the account as unverifiable and should be deleted!
Whomever CBE Group is trying to reach does not belong to the number they are calling. CBE Group calls the house several times a day. When I answer the call, they hang up without saying a word. Whomever they are trying to reach does not have this phone number or live at this address. If they do n't stop calling I will have to take further action.
I tried to let them know that I had a student loan since I worked as a XXXX I had forbearance and they went on and counted the amount of days on forbearance as late payments and the account changes to another account then it changed to another company but they are all on my credit and it states closed but still appears on my account Now it has a new name XXXX or something like that and there it is again with the same Quantity I do not know how that can be affecting my credit.Then there 's a company called XXXX that is charging me an amount for XXXX single phone I had there is a current lawsuit against this company because of selling out private information about its clients and then the clients getting charged for services that at that time the type of phone I had was not capable for such things like internet TV XXXX XXXX did not even had cable back then.Sports and other cable channels.This Phone was a simple phone that I could barely read my email.How about this XXXX telling me I owe them money when I have XXXX and I pay every month what ever I owe them I get billed but in my credit report it tells me I owe an amount how would they have XXXX accounts.I think my ex husband used my credit and brought a phone with XXXX and tried to pin it on me.Far as I know I closed my account with XXXX and I think he might have opened a XXXX account because I do not even live in the same city these bills are coming from.I owe under XXXX and I am getting a Poor credit report I do n't even think that 's fair I know people that have XXXX in student loans and they have great credit they are behind there loans because like me they have applied for forbearance.
yes ally bank was suppose too 2 weels ago send me forms in the mail for deffered car payment???? they are giving me therun around????? they were suppose too also fax theforms too??? plussend regular mail?????? very upset lied too????
RE : Volume of Student Loans Service Provider report to the Credit Bureau per Student by Navient. 

Dear Sir/Madam : My name is XXXX. When I left college in XXXX I had XXXX loans on my credit report totaling approximately {$27000.00}. When I finished graduate school in XXXX I found XXXX loans on my credit report totaling approximately {$50000.00}. 

Currently, the student credit report is littered with student loans. Service providers have no guideline on this issue as indicated by the ombudsman office. Neither the federal government nor the private sector has any limit as to how many loans they can report for each student The current practice puts undue burden on the student, especially if they have other financial obligations. It creates credit barrier for poorer students and is unfair and discriminatory to students with not so good credit history etc. 

I have contacted service, the consumer financial protection agency, the FTC, the department of education and the ombudsman office on this matter with no success. I was told only congress can mandate any change to the way student loans are reported to the credit bureau. I recently contacted every member of the education committee with no response as of yet. 

I am kindly asking for your help in asking for the education committee to make a recommendation to Congress for adoption by the US Department of Education. 

The request is as follows : Federal Loans : Mandate that Service providers are required to report student loans by Loan Program such as Subsidized or Unsubsidized ONLY to the credit reporting bureau. Therefore, ONLY XXXX loans will be reported to the credit bureau on behalf of each student at all times. 

Private Loans : Mandate that Service providers are required to report student loans by Interest Program such as Fixed or Variable ONLY to the credit reporting bureau. Therefore, ONLY XXXX loans will be reported to the credit bureau on behalf of each student at all times. 

This does not prevent service providers from managing their contracts. It also presents fair and balance reporting without undue burden for the student. 

Thank you kindly XXXX XX/XX/XXXX
On XXXX XXXX, 2015 I submitted a dispute with TransUnion. However, TransUnion refused to process my dispute and requested the following items, a copy of my Drivers License, Bank Statements, a Cancelled Check, Pay Stub, and a Utility bill. I communicated to TransUnion that I do n't provide that type of information to private corporations such as theirs. Yet, TransUnion never ask me for any of these items before they reported this information on my credit report.
I was enrolled in a repayment plan for one of my American Express credit cards. I allowed them to automatically take money out of my account monthly for a year. After completing the program as I agreed both of cards was cancelled. I called to ask why I had not received a monthly bill and at that time they told me because I participated in this program my accounts had been cancelled. I only enrolled one of my cards in the program. I got nothing in writing and I asked for an investigation and to date I still have gotten no response. I have made numermous calls which all have been dropped. They also stated have a balance of {$180.00}.
I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Contacted FAY SERVICING on XXXX XXXX regarding escrow analysis ' and two payment increases. 

Two escrow analysis were done in one year resulting in payment increases. Two Representatives including a supervisor could not tell me why. Supervisor stated he would send this over to escrow department for review and within 72 hours someone would get back to me. I 'm still waiting. In addition my single point of contact representative has not returned numerous messages left for her. 

Verification of account holder is very poor. 

Lack of XXXX when calling a cell phone.
On XX/XX/2019, I wrote a check in the amount of {$4000.00} to XXXX XXXX which he attempted to cash at the Wells Fargo branch in XXXX XXXX at XXXX XXXX XXXX XXXX. Upon learning of the holding period of cashing such an amount, he requested they not deposit it into his account and took the check back, giving it back to me to be destroyed so I could write him a check for a smaller amount. The check I wrote XXXX from my XXXX XXXX account, check XXXX was subsequently destroyed. Unfortunately, Wells Fargo had already cashed that check and the funds were taken from my account. XXXX requested the transaction was reversed and the funds were taken out of his account. The manager of the bank informed XXXX the transaction had been reversed and that I should see the funds within 24 hours. It is now 5 business days later and that {$4000.00} is nowhere to be seen. Wells Fargo has kept the money and not issued a refund for their unintentionally cashed check. Upon visiting the branch I was given the same " 24 hour '' timeline for the funds to be refunded to me, yet I have not seen any of the money they took from me. I even asked for them to write me a check which they refused.
We are in a Hurricane Irma FEMA designated area ( XXXX Florida- XXXX , FL vicinity ).

We applied for a {$400.00} deferred minimum payment grace period on our Chase credit card ending in -XXXX.

We have not received the {$400.00} payment deferment as promised for XX/XX/XXXX that is due by Saturday, XX/XX/XXXX per Chase Irma Relief at XXXX.

XXXX XXXX
Last year before XX/XX/2017 I was making payments of XXXX per month to A CD STUDENT LOAN. Due to a medical hardship I have been on an income based plan for one year of XXXX $ payment meaning my principle would have accumulated around XXXX plus interest in one year. Last week around XX/XX/XXXX I got my first letter from Navient that they now had my loan with no previous warning saying my payment was due on XX/XX/XXXX for XXXX. How is that possible? That is an increase of XXXX more per month or XXXX more in the same 10 year period I was paying on before. I called them and ask them to explain that and all they did was give me the runaround. I need answers and I am scared. I was been on a forbearance before for a year and my monthly payment only went up around XXXX. Please help me.
In XXXX 2017 I selected Mortgage Capital Associates to refinance my first mortgage. At the time I also had a HELOC. In complete agreement with the mortgage company ( Mortgage Capital Associates ) there was supposed to be a subordination so the HELOC would remain open, and I paid an additional interest rate to do this. However, XXXX XXXX XXXX messed up the closing ( admitted from them ) and the HELOC was closed. Unfortunately I did not find out that they messed up until months later when I received the notice from my HELOC company ( XXXX XXXX ). I am now trying to get the HELCO reestablished, however to date that has not happened. Thus, I was mislead and was charged a higher interest rate, that I will now pay for 15 years for a product that I was not provided.
This is a duplicate request that was previously disputed. I recently applied for credit and the decline letter states I'm deceased and there is no FICO score available therefore got declined. When the decline letter was received it stated that I was deceased, I thought this issue was fixed but it appears it keep reappearing affecting my credit report. IF MY DATE OF BIRTH IS XX/XX/72 HOW CAN I ALSO BE DECEASED ON THE SAME DATE XX/XX/72? 

I tried to dispute the issue online with Transunion and their system is slow and locked up then eventually locked me out. Its a useless system. The CFPB should try using it to see how unconsumer friendly it is.
Kansas Counselors continues to show a medical bill on my credit report that is in collections and last reported XX/XX/2016. They have been notified by the courts that this was included in a chapter XXXX Bankruptcy that was confirmed XX/XX/2016. I have made multiple attempts via email to have them remove this from my credit report as a current collection account. This is making my score XXXX points less than the other credit report. They do not respond via phone or email. I have also given them my attorney 's name XXXX XXXX and phone number XXXX. They continue to ignore my complaints. Please help me to get this resolved.
I called Gatestone Collection agency on XXXX/XXXX/2015 at XXXX. This debt from XXXX is not my Debit. I have spoken with XXXX and they have no knowledge of this account. The person on the phone was not helpful at all. I have spoken to Catestone XXXX times in regards to this account. Her response today was it is not XXXX but digital life which I am not even sure what that is. I had told them the other day to stop calling me I know nothing about this account.