WillisBack/dataset-financial-user-claim huggingface dataset:
This is the second account they continue to harrass me about. 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
Case # XXXX BOA still has not refunded my money. I spoke with them today and they promised the same thing as last time : " We will be sending you a check ''. 

I have been hearing this same verbiage for XXXX months now and still have no check. Please help me.
On XX/XX/XXXX, my credit report showed that I owed XXXX XXXX ( XXXX  ) {$7800.00}. My latest credit report pulled on XX/XX/XXXX showed me owning {$13000.00} on XX/XX/XXXX. XX/XX/XXXX the IRS sent my refund for {$5000.00} to XXXX, which my credit report showing me with a balance of {$8800.00}. I just received a collection letter from the company Transworld System INC today, XX/XX/XXXX and it shows me with a balance of {$9200.00}. The IRS sent XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) my XXXX refund of {$2400.00}. That amount plus the {$5000.00}, I should have only owed them {$460.00}. Transworld is trying to collect an additional {$8800.00}. Plus they are charging {$110.00} interest per month. The collection letter has a fake seal, or I should say xeroxed copy of both the Department of Defense seal and the XXXX seal. This now has my current tax refund tied up because of this false balance.
I wrote a letter to Collection Consultants on XX/XX/XXXX, letting them know they could no longer have my medical collection debt because of HIPPA violation laws. They returned a letter to me on XX/XX/XXXX, verifying they have the debt and they still wanted me to pay for it. It is beyond the statute of limitations ( the debt is over four years old and the statute of limitations in California is four years ).
I received a collection notice from AFNI dated XXXX/XXXX/XXXX. The alleged amount owed was {$59.00}. This allegedly represented the final amount due on for cable services from a XXXX account I had in XX/XX/XXXX while living in with XXXX XXXX county XXXX service area. I called the AFNI to dispute the bill as I am certain the final bill was paid. 

I left XXXX on XXXX XXXX, XXXX so that I could move into temporary housing provided by my new employer in the XXXX XXXX area. As the temporary housing was paid by my employer, including all utilities for a six month period. I did not attempt to transfer XXXX services. I turned in the cable box and paid the final bill in XXXX XXXX and relied upon a hotspot I had with another ISP for internet service after I turned in the equipment to the XXXX XXXX XXXX in XXXX XXXX XXXX. 

After I left the temporary housing in XXXX, XXXX I moved to XXXX, XXXX and established service with XXXX once again XX/XX/XXXX. Although I have been with XXXX since that time, I have turned in equipment from one market, ( XXXX ) and reused new equipment in a new market ( XXXX ). I am well aware of the protocol. 

On XXXX XXXX, XXXX I received another bill from AFNI for {$500.00}. This is nothing less than extortion. It has been roughly 6 years since I turned in the XXXX equipment from XXXX county XXXX. I have been with XXXX since that time with the exception of the time I was in temporary housing. If I had not turned in the original equipment XXXX would have billed me for it by now. I do keep records for 3 years but it is long past that time. I was informed by the AFNI representative that absent documentation from 6 years ago they would pursue this issue. It is simply unreasonable to allow a subsidiary of XXXX ( AFNI ) to extort consumers who do n't maintain paper receipts of a transaction with their organization from years past. XXXX left hand is n't talking to it 's right hand. This bungling bureaucracy can not be allowed to extort consumers, let alone its own customers. I specifically dispute the original {$59.00} charge and the additional {$450.00} AFNI tacked on to extort me into paying the original {$59.00}. Perhaps this is one of the reasons XXXX is such a hated company.
I am currently in the modification process at this time. I have scheduled sale date for  XX/XX/XXXX -2017. Which a violation of CAILIFORNIA HOMEOWNER BILL OF RIGHTS. Ocwen is dual tracking my loan while in the modification process. A blatant violation of the law. Ocwen would then in a letter sent to me that the sale date is tenitive. I do n't see anything on the foreclosure notice that refers to it as being tenitive. By the way the foreclosure notice is void. The right to foreclose on my home is void. On  XX/XX/XXXX  2017 I received a completed BLOOMBERG AUDIT ON MY PROPERTY by a certified autitor. When I reviewed the 70 page audit with the certified auditor.I was very disturb and angry to what was revealed in BLOOOMBERG AUDIT. The audit showed that   XXXX   XXXX   is not the owner of my note.   XXXX   XXXX    SECURITIES IS THE OWNER OF MY NOTE. I have requested from Ocwen at least four different times who the owner of my notes. Each time in the letters Ocwen sent me which I have in my possession that   XXXX   XXXX   owned my note. I was lied to in writing. BIG LIE!   XXXX   XXXX   is the trustee not the owner. Also in the audit discovered to my earlier suspicions that FRAUD and ROBO SIGNING were found to have taken place. THE CHAIN OF TITLE have been broken. The DEED OF TRUST and the NOTE have been seperated. I have sent 70 pages of the certified BLOOMBERG AUDIT to CONSUMER FINANCIAL PROTECTION BUREAU for review. Stop trying to foreclose on my home illegally.
I submitted my documents for the Income based repayment plan, working with Navient, In early XX/XX/XXXX. I had originally enrolled in the plan in XX/XX/XXXX. I received notification on XX/XX/XXXX that the documents had been received, were in process, and would take 17-20 business days to complete. On XX/XX/XXXX I received confirmation that I was " approved '' for the payment plan, which I had already been enrolled in and was just resubmitting the necessary documentation to STAY enrolled, and that my payment would be {$740.00} per month beginning XX/XX/XXXX. One week later on XX/XX/XXXX, I received another message titled " CHANGE IN LOAN TERMS '' and stating that I had not submitted my paperwork, that if I don't submit by XX/XX/XXXX I will go to the default payment plan which my payments would total approximately {$1400.00} each month, and that my payments would begin on XX/XX/XXXX. It did not specify any thing about specific changes to loan terms, however, just stated that I didn't submit my paperwork. I spoke with an employee at Navient who was able to verify for me that I did indeed submit my paperwork and that they were still " processing '' what the total amount would be. I explained to him that I was sent a document on XX/XX/XXXX stating what the total amount would be and that I would not accept any other amount as they had already verified this. He then said he located the document they sent on XX/XX/XXXX, and proceeded to explain that my payment was actually {$730.00}, and resent an document confirming this change in the amount or how it was that I had gotten that document sent to me. He also could not explain why my payments were moved to XXXX to begin the increase in repayment ( I had previously had a payment set to XXXX $ due to not making money in he first half of the year ). He explained that these were automated messages and I could ignore them an assured me come XXXX the payment due would be {$740.00}. I again received a message on XX/XX/XXXX stating that if I didn't submit my paperwork I would be placed on the default payment plan, but in good faith believed this to be " automated. " On XX/XX/XXXX, when my loan payment is due XX/XX/XXXX I received a statement totaling XXXX and was not able to get a hold of anyone due to Navient not being avaible to consumers through any other media than phone and only being open XXXX. They ultimately told me that I should pay the {$740.00} because their system approved it, but that they would need to make a " request '' to get everything changed and that it would happen by XX/XX/XXXX. They continued to reassure me, with the employee stating he would personally follow the account and update me if something were to happen. I am concerned that if I pay the {$740.00} with the actual payments showing I owe XXXX, that I will incur more interest on this payment, and this is not right. I am now concerned they haven't processed my payments and counted my payments that I was making towards my overall debt since my loan payment was set to XXXX $ based on my income, but I was making some payments when I could in order to knock down the balance.
American Express has called my sister and disclosed that I am behind on my debt. I 've already submitted a complaint for that. They 've also called my former roommate twice, XXXX XXXX. The first time he asked that they do not call him. They 've called twice so far. I am in a debt settlement program with XXXX. They told me they can only call once, and that it is illegal to call more than once.
Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with PDQ seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and PDQ to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against PDQ, XXXX, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with PDQ. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and PDQ on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to PDQ, XXXX XXXX & XXXX to review this case and I asked for any documents from each credit bureaus along with PDQ and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.
Trans Union is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to me.
The home loan was transferred from XXXX to Caliber Home loans in XXXX XXXX. In XXXX XXXX, XXXX Caliber Home Loans filed a motion to cancel the foreclosure on my XXXX real property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX loan number XXXX. I made application for a loan modification. Despite the servicers motion to cancel the foreclosure sale the foreclosure sale was held by surprise. I have attempted to save my primary residence for my XXXX children. I have been told I have to vacate the house now. When I asked about relocation assistance monies and a move out date I was not given an answer. There is a pending appeal and pending eviction. The appeal attorney name is XXXX XXXX XXXX XXXXXXXXXXXX The eviction attorney name is XXXX XXXX XXXX XXXX. My first request is to follow up with the loan modification. My second request is to be given a XXXX XXXX, XXXX move out date with relocation assistance.
A Chase private student loan cosigned for my son was paid in full XXXX of 2014. 
There was a letter from Chase for the XXXX and XXXX payment saying they could not process the payment, because they could not find my bank account number which was recorded improperly. They received payment for these months when I received notification of the problem. As I stated the loan is now closed and paid in full. Chase, however, has my credit report showing me 60 days delinquent with the XXXX and XXXX payment. This has adversely effect my credit and I have not been able to refinance my and another student loan that was cosigned for my son.
Navient has reported 39 late payments on my account I believe for XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  only have one payment a month I disputed the error XXXX XXXX XXXX XXXX they say it's accurate that's false I called navient to let them no I was XXXX last year lost my apartment due to a surgey which put me out of work there for I couldn't pay I never received any income driven repayment plan and the only way of contact I had was email from access at public library which they say they sent to an email that been deactivated since college. Also I requested copy of master promissory note and told them I do not give them permission to share my private information with private entities such as the credit bureaus which our in the business only to collect and sell private information. There mess up dropped my credit score by XXXX points. Stopped me from being able to do anything I wanted to do. Can't buy a home a car can't even get a secured credit card from my bank to build my credit further.
I was checking to get a lower interest rate I ha a 19.9 % interest rate for a car that cost XXXX  with capital one for 72 months at XXXX  a month since XXXX 2017 ... ..so i began looking into refinance at a lower interest rate .... I was amazed to see that capital one was listed who I already have been paying for 12 months which I only have 60 months of payments left yet they were offering me a lower int rate of 8.79 % for another 72 months ... .. I believe this is unethical and illegal to add the 12 months I already paid start me with a new loan and its office collect an additional XXXX in interest. I request that capital one lower my interest rate to 4 or 5 % for a term of 60 months due to its unfair and unethical lending practices
Did transaction with # XXXX before 7 days after call custcare chat with them then XXXX XXXX chat support also but still no reply for my Money Can Please anyone resolve my problem as soon as possible Call me On XXXX XXXX - XXXX
I 'm in hardship I had to take leave from my work to take care of my XXXX father. I filled out all the paperwork to try and get some help when I got behind on my payments. They did n't want to work with me and denied me. The sent me a certified letter to pay XXXX by a certain date with a cashiers check and overnight it to an address. So I got everything ready and than I talked to them thank god because they gave me the wrong address on my certified letter. They said that was there old address. So if I would have overnights XXXX to them they would n't have received it and my house would be foreclosed. They do n't offer anyway of catching up. I have friends with there mortgage they have help and they work with them so they wo n't lose there house.
Refinance transaction with XXXX started on XXXX/XXXX/2016 with rate lock at 3.25 % followed by document submission and appraisal. Good mortgage failed to properly disclose timeline throughout the process, mandated a close on XXXX/XXXX/2016 without providing closing documents to borrower with adequate time to review ( less than 4 hours ), continuously changed closing amount, refused to close in XXXX because it would have " more work for them '' and used pressure sales tactics throughout.
There is information reporting on my credit file that does not belong me. There is a medical account XXXX XXXX - XXXX XXXX and also there are unauthorized inquiries and incorrect personal information that is reporting. Please assist me in getting these items removed from my credit report. 

There are unauthorized inquiries reporting on my credit file : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 times ) XXXX XXXX XXXX ( 2 times ) XXXX XXXX XXXX Incorrect Personal Information : Address : XXXX and XXXX Names : XXXX
XXXX failed to protect my personally identifiable information and that of my family. In order to best prevent the misuse of this information with the credit bureaus, I must pay {$10.00} for each bureau to freeze my credit reports for a total of {$30.00} for each member of my family. This creates a significant expense not only for my family but for the approximate 143 million Americans impacted. While many states have laws preventing the collection of this fee, this is no universal. If everyone freezes their report with XXXX and must pay this fee, this breach could generate a potential revenue " wind fall '' for XXXX. Additionally, XXXX and TransUnion could similarly profit. XXXX, especially, should not be allowed to profit from their negligence and failure to provide " due care ''. 

Additionally, removing a freeze creates similar charges as does reapplying the freeze after applying for credit. There is also a cost in time for completing the freeze and removal requests.
Equifax is reporting 4 Fraud/ID theft accounts and even with a police report and supporting documents they will not remove and or block them. These accounts were removed in the past and or now begin re-reported!! The following accounts are fraud!! 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX   XXXX XXXX XX/XX/XXXX
Paypal has restricted my account, preventing me from making any changes to the account or even closing the account, and preventing any transactions on the account, until I provide a copy of my photo drivers license and recent utility bill. Paypal has refused my verbal and written requests to provide their information security policy and procedures for my review so I can determine if they can be trusted to protect my personal identifying information from hackers or others intruders into their systems.
When I first started paying back my loans in   XXXX   Navient stated my payment would be {$150.00} a month. When I received my first bill in  XXXX  of     XXXX   my first payment was actually {$170.00} dollars. They also stated I was enrolled in a program where I would pay for 120 months. Turns out, Im not enrolled in that program. They state I make too much money to be on an income driven payment program and that is why my payments are {$170.00} a month. But oddly enough, I have two other loan companies, My   XXXX   XXXX   and  XXXX   XXXX   XXXX  and I am on a repayment income driven plan with them. If all loan companies are supposed to follow the same guidelines because they are overseen by  The  Department of Education then why am I not qualifying for income driven with  XXXX . I work for a non profit organization and do not make that much money. It is difficult to stay afloat when I have to pay my student loans on top of the rest of my bills. The other two companies have made it easy to pay/ Navient refuses to enroll me in the income driven program
In  XXXX   2016  I went in search of a new car. My understanding is when you apply for auto loan in a 30 day time frame you would not be penalized for inquiries relating to  XXXX  possible car loan. Went to  XXXX  dealerships and  XXXX  of the  XXXX  obtained auto loan with  XXXX . For dealerships to run multiple companies to obtain best rate for themselves and supposedly mine I had no knowledge on all these inquiries along with  XXXX  to  XXXX  inquiries within a 30 day period all related to auto loan to which I acquired with  XXXX .     Had credit reported back 17 years reporting 2 years? Please report correctly.
I went into XXXX and was told by their representative that I could cancel AT ANY TIME. I paid {$750.00} on the XXXX day and received NO services. I sent a certified letter to XXXX within XXXX days saying I wanted to cancel and for them to refund my {$750.00} deposit as I received no services of any kind. They refused to refund me and have now sent me to collections for services I never received. They fraudulently represented themselves to get me to sign up and then once they got me, they claimed I signed up. There are numerous complaints against this company that I discovered after the fact. I am out {$750.00} for NOTHING and now I am being reported to the credit bureaus.
I tried to open an account with XXXX and I was told that I alredy have an account open with my phone number. Then the day that I was supposed to get the installation I got a few calls from the company. I was told that I had a debt for $ 270+. This is impossible, because I 've never been with XXXX before. I 've only inquired about offers with them. On my credit report I 've seen bills for emergency medical resources. I 've got insurance that covers all my medical bills, so I do n't know where that came from. I 've even seen something for XXXX on there within the past year. I 've been XXXX XXXX XXXX since XX/XX/XXXX, I know it is n't me. I even saw something for XXXX that has the date of XXXX XX/XX/XXXX.
do not receive timely credit alertsdo not receive fico credit score increase after significantly reducing credit debt usage ( paid XXXX credit card acts down significantly ) XXXX acts were : XXXX credit card on XX/XX/XXXXthXXXX XXXX credit card ( XXXX ) on XXXX XXXX and XXXX XXXX was informed my the fico credit score dept that my fico score would n't increase anymore past current score of XXXX due to my past negative acctsI adamantly disputed!
My issue is found with XXXX XXXX, a subside of XXXX XXXX and a wrongful attempt at collecting a debt that I am not responsible for. Firstly, the work was unfinished and shoddy but the largest issue is in the amount pursued being placed on a credit card that was never received. I could not approve the amount of the final transaction due to my inability to sign off on the card itself. It was ran without my approval resulting in fraud and a sizable amount of damage to my credit history.