WillisBack/dataset-financial-user-claim huggingface dataset:
According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. ProCollect Inc.is illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. 

SUBCHAPTER B. SURETY BOND Sec. 392.101.  BOND REQUIREMENT. ( 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 bond 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}.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX, 199
7.
Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond.
Acts 1997, 75th Leg., ch. 1008, Sec. 1, eff. XXXX XXXX, 1997.
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX  and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail. 

Experian XXXX ACCOUNTS XXXX  XXXX XXXX not mine XXXX  XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX not mine INQUIRIES XXXX XXXX NA XX/XX/2017 unauthorized XXXX XXXX XXXX   XX/XX/2017 unauthorized XXXX XXXX NA XX/XX/2017 unauthorized XXXX XXXX XXXX  XX/XX/2017 unauthorized XXXX XXXX XXXX  XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX//XXXX XX/XX/2017 unauthorized XXXX XXXX XX/XX/2017 unauthorized XXXX XXXX XXXX XXXX XXXX IL XXXX/XXXX  not mine
I 've been getting letters from loan places. I got a loan once, and ever since I 've been receiving letters saying I owe I payed so I figure it was paid for but I keep getting letters saying their was a new loan that was n't me
ABILITY RECOVERY SERVICE PO BOX XXXX XXXX, PA XXXX ( XXXX ) XXXX REPEATED HARASSMENT. HAVE WRONG PERSON. I LIVE IN XXXX. NEVER WENT TO XXXX XXXX HOSPITAL IN XXXX. NOW SHOWS ON CREDIT XXXX. I NEVER ADMITTED TO OWING ANYTHING. I TOLD THEM I THINK YOU HAVE WRONG PERSON. 

SHE LIED SAID I CALLED THEM. IF I CALLED THEM IT WAS TO FIND OUT WHO CALLED ME AND CALLED THEM BACK. IF IT WAS COLLECTIONS. I WOULD HAVE NOT SPOKE WITH ANYONE. 

THEY THREATENED TO RUIN MY CREDIT AND CALLED ME BEFORE XXXX ON XXXX. HAPPY XXXX TO ME AND MY FAMILY. 

XXXX/XXXX/XXXX - XXXX received threatening call that I owe money and I have to pay XXXX $ today. If not I am going to ruin my credit is what they told me. I told them I think you are mistaken me for someone else. I have always had insurance. 

They said back in XXXX I had been to ER at XXXX XXXX XXXX. I do not remember this. Never got anything in mail. I live in XXXX in XXXX. 

They said I called them and now it is showing on credit report they reinstated it XXXX. 

I keep getting harassing calls. XXXX is the number. Shows them calling me right before XXXX XXXX on XXXX.
I have been fighting XXXX  & Equifax about and account that should not be reporting on my file. There are two XXXX Accounts one with a partial account number of XXXX reports opened XX/XX/XXXX and the other is XXXX which shows opened XX/XX/XXXX both are indicating I was an authorized user and at no time did I ever apply or hold an account with XXXX. Why are these still on my credit report?? They are not mine, I never gave consent and they need to be removed. Anyone can put a person on their account without the knowledge of a person and then go late and then it effects their scores? THESE WERE NOT MY ACCOUNTS!
A fraudulent purchase was made on my Macy 's card  on XXXX/XXXX/XXXX. As this is a rarely used card and I had paperless billing set up, I did not notice the charge until I started receiving phone calls for my account being past due. The fraudulent purchase was reported to Macy 's immediately upon discovery on XXXX/XXXX/XXXX. They sent me a form to fill out that was dated XXXX/XXXX/XXXX, which was filled out and returned to them with all requested information on XXXX/XXXX/XXXX. I have called them nearly every month to check on the extremely slow progress since then. The majority of the charges were finally removed in XXXX, however, late fees accrued that are directly related to the fraudulent purchase still remain on my account as of XXXX/XXXX/XXXX. In addition, this has reflected extremely negatively on my credit score, as all of this has been reported to the credit bureaus as if I am not paying my bill.
This company has sent me a bill claiming I owe a debt. They posted the debt on my credit ( Transunion ). The company never gave me 30 days to dispute prior to posting to my credit report. This is against the Fair Trade Act.

This debt from XXXX XXXX is not mines.

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2016 {$4000.00} Original creditor : XXXX XXXX XXXX XXXX Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.

Thank you for your cooperation.
Today contacted XXXX and XXXX on a company called XXXX XXXX XXXX I disputed the company over a year ago with success but today they reinserted it back on my credit report by have another creditor taking over according to my credit report ... they failed to notify me in 5 business days before putting it back on my credit report which is a violation of the FCRA
I received a bill from AFNI INC. SUBROGATION DEPARTMENT.
It states that they represent XXXX XXXX to whom I owed {$2900.00} for payments they made to their policyholder due to a car accident with my involvement on XXXX-XXXX-2017. File # XXXX. Claim # XXXX. I contacted XXXX XXXX and they said they were not aware of such bill and that I do n't owe them anything.
Then I called AFNI on XXXX-XXXX-2017 at around XXXX and spoke with a gentlemen who was not able to give me the source information for this claim and demanded me to have my insurance company contact them for making this payment. He was EXTREMELY RUDE AND THREATENED ME to revoke my driving license if I did n't. I asked him to calm down and not raise his voice at me. He said that I should be looking for notification in the mail for my license revocation by some department very soon.
I acquired a Macy 's card in XX/XX/XXXX of XXXX, in XX/XX/XXXX XXXX I joined the XXXX XXXX and I 'm currently serving at XXXX XXXX NY. As a member of the XXXX my interest rate on my card should be 6 % or less, because of the ( SCRA ) Service Member Civil Relief Act, but it 's currently 24 %. In XX/XX/XXXX of XXXX I contacted Macy 's explaining the matter to them and send all the necessary paper work showing that I was in the XXXX for the past XXXX years. Since then I contacted Macy 's, and was given the run around, even to have the phone hung up XXXX of the times I called. Finally, they told me that it will take XXXX billing cycles to fix the matter, up until now, nothing have happen, no phone calls like they said or even a letter in the mail. I 'm financially struggling and need help in fixing this problem.
I have a Credit Card with Citibank. I made a purchase on the credit card for {$130.00} on XX/XX/2016 for a a commemorative XXXX. The XXXX received was not the XXXX advertised for sale. I made a disputed transaction with Citibank on this transaction because it was not the correct product purchased. 
I received a letter from Citibank dated Friday XXXX/XXXX/2016 asking for details of the disputed transaction within 10 days of receipt of the letter. I received this letter on Thursday XXXX/XXXX/2016. I completed the requirements of this request, signed and dated the return response on XX/XX/2016. 

I later received a letter from Citibank dated Tuesday XX/XX/2016 saying that the dispute was denied because they did not receive the complete response. This letter date was 4 days XXXX XXXX business days XXXX after the first letter and before I even received the original letter. 

So here 's the time line Fri XX/XX/2016 Citi date letter XXXX XXXX ) and request return within 10 days of receipt Tues XX/XX/2016 Citi deny the disputed transaction via letter XXXX XXXX ) Thur XX/XX/2016 I receive letter XXXX XXXX ) and provide requested details Mon XX/XX/2016 Mail this response back to Citi My complaint is obvious. Citi fraudulently made no attempt to investigate my claim of a defective product from a merchant. Their denial letter was dated 4 days ( XXXX business days ) after the the original request for information. This dishonest action obviously gives me no possible chance to satisfy their " investigation ''
I am filing this complain against Equifax. Equifax made an error on the reported date data element on a negative report as a result of a short sale during the XXXX recession and has not make the correction, causing significant delays in my ability to get a mortgage loan at the current interest rate. The reported date of this negative account should be XXXX XXXX because the issue has been resolved and closed around that time. However, the date that Equifax shows on the reported date was XXXX/XXXX/XXXX, which was the date that I disputed them on another matter on this account. On XXXX XXXX, I submitted a dispute asking Equifax to change the reported date of this negative account back to XXXX XXXX. Today when I checked the status of the dispute, the date has been changed to XXXX XXXX, XXXX, which will eliminate me from getting a convention mortgage loan for next 7 years. This is so because lenders are saying that I have to wait at least 6 years for a conventional loan if you have a short sale on my credit report. It has been more than 6 years since the short sale, and I 'm trying to get a conventional mortgage loan. My credit scores are now above XXXX. However, lenders I talked to so far are unwilling to make a conventional loan offer because when they ran my credit reports through their system the reported date data element of Equifax on this negative report shows XXXX/XXXX/XXXX and now XXXX/XXXX/XXXX instead of XXXX XXXX. The other XXXX credit bureaus are fine because the reported date of the same account show XXXX XXXX. Because of the XXXX/XXXX/XXXX reported date and now XXXX/XXXX/XXXX on my Equifax credit report, I am unable to qualify for a mortgage loan. Equifax might not be aware that the reported date data element are being picked up by loan systems as the first date of a negative report. I am asking Equifax to correct this error and share this complaint with CFPB because I have a feeling that I might not be the only one. If XXXX others are impacted by this and ca n't participate in the housing market because of this data element error, I can imagine the impact of this error on the economy and the lives of so many households. Please get Equifax to understand that they are not just dealing with data. The mistakes they make have real consequences in the economy and people 's lives.
I have been called several times a day everyday about a medical debt I know I paid. The calls come from Credence Resource Management at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX. The phone numbers they use change everyday. The last four from just today and yesterday have been XXXX, XXXX, XXXX, XXXX. Its all Credence Resource Management. I have spoken to them several times and explained the medical bill was paid by a third party. It does not show up on my credit report.
This is the second time having an issue with this company on improperly stating or threatening me. I once again received a call from XXXX who does n't seem to understand debt collection laws or how to do her job. She first stated she was calling to collect on the same debt I was already disputing. She stated she sent over a ledger from the school verifying the debt. I did state I received that but it still did n't make sense. XXXX college is claiming they sent money back to the government from a student loan. I called XXXX who is servicing the loan and they stated no money was returned and also send me over a ledger to show this. I explained all this to XXXX who then stated " OK if this is how you want to handle it we will take care of you '' my response was did you just threaten me? her response was '' we will be sueing you '' first of all she is threatening to sue me for something they have yet to prove is valid and also breaking the fair debt collection law my threatening me.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2017  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I submitted a complaint to you, the company sent a response and CFPB closed the matter. Unfortunately, the response was not accurate, there is no way to contact the person who sent the response. In my opinion this company as sending fraudulent information to you. I would like the opportunity to submit documentation as proof. The company mis-handled my escrow account, allowed my hazard insurance to lapse, paid my property taxes when they were not supposed to ( they were not late ) and as a result increased my house payment to cover their errors.
Wells Fargo told my son he could not get a student loan ... and encourage a co-sign er ... I/mother could not cosign ... because I was cosigned on the f irst one ... so my mother was asked to cosign and she did because it was the only way to get the loan as advised by WFB ... mother made many payments because my son was not able to ... but last year WFB sent two letters to my mom saying ... she should have never been on the loan and they will take her off ... I called and stated if she should have never been on the loan she should be given back her money and the loan should be closed because of having a second loan open fraudulently. WFB said they will return my mom 's money but will leave the account owing ... because my son should have been able to get the second loan on his own ... but how when he could n't get the first one without my   cosigning? I believe the account should be not only refund my mother but also close since the agreement conditions have changed and if given the original statement to my son ... my son did not quality for the second loan. We have yet to receive the check to my mother and they spoke to me asking me did my mom want to make the payments or made it out of obligations? I told them my mom is  XXXX   years old and is  not trying to pay on the loan out of want but because you sent mail to her saying she had to pay as the cosigner. ( I do h ave two letters tellin g my mom she should have never been the cosigner )
My husband received a call from XXXX. I then called the number myself and spoke with someone named XXXX from XXXX XXXX XXXX. He said he was attempting to collect a debt for a pay day loan that was given to me on XXXX XXXX, XXXX by XXXX. I told him that I never did that and he then read off my SSN and an old address I had not lived at since XXXX. I asked him to show me verification that I owed this money and he said that mailing me something would n't make a difference. I told him that I did not owe any money and he said over & over again that it did n't matter what I thought, I was legally liable for {$620.00} whether I thought I owed it or not and the only way I was not legally liable for it would be if I could show proof that my identity was stolen and to give them the name of the person who stole my identity. He asked if I planned on resolving the claim and I told him that without him showing me any documentation that I believed this was a scam & then hung up. 

I checked all three credit reports and neither the loan or debt collection is on my report. I filed an identity theft complaint with the FTC and I was also encourage by my lawyer to file a complaint here.
Lender reported to credit bureaus that my XXXX 2016 payment was greater than 30 days past due. This is inaccurate at XXXX 2016 had XXXX less day due to leap year. Payment due date was XXXX XXXX. Delinquency clock starts XXXX XXXX and the payment processed on XXXX XXXX - day XXXX. My credit score dropped XXXX points due to this inaccurate reporting. Spoke with the Lender and they suggested I dispute it with the credit bureaus - which I have done.
On XX/XX/XXXX18 I was contacted by XXXX Fraud management and they indicated that there was some transactions that they wanted to verify. I informed them at that time that my wallet had been stolen and that the transactions in question were not mine. They shut down my card and issued a new one and filed the fraud claim. Over the coming days a lady by the name of XXXX called me and asked me some questions about the merchants and the transactions at which i advised here they were not processed by me. After approximately two weeks passed and she called to inform me that my claim was being denied because i had transacted with one of the merchants last year. I advised here that this isn't a valid reason to deny a fraud claim. I had already filled a police report which was provided to her. I asked to speak to a supervisor which took four day for a call back. Now its been two more weeks and I've requested in writing the reason for the denial and no information can be provided to me justifying the reason for the denial. In addition she reported my accounts for closure.
Took out a student loan and made payments for alm ost ten yea rs. I just found out that my payments do not qualify for loan forgiveness. I was not advised of this when I set up the payments. My payments actually were more than if I set it up as income based.
Credit central calls my phone 6 times a day everyday excluding Sunday 's they have came to my home on 9 different occasions in the last 3 months
On Equifax it shows address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I have never lived there. It is the home where my ex-wife moved into after our divorce. Please advise. 

Thank you, XXXX XXXX
Erased old data being re-inserted. Re-disputing the XXXX XXXX XXXX item ( dispute number XXXX and number to be ) based upon an improper reinsertion per FCRA rules 15 U.S.C. 1681 ( i ) ( B ) ( ii ). This data is affecting my FICO rating for the second or third time. Equifax declined to give me a True FICO score.
Purchased home on XX/XX/XXXX with financing through XXXX XXXX, loan ID XXXX. The Mortgage was sold to Amerihome, Mortgage, acct. # XXXX with the 1st payment due onXX/XX/XXXX. I received a property tax statement from XXXX XXXX dtd XX/XX/XXXX bill # XXXX and map # XXXX indicating that XX/XX/XXXX taxes were not paid and that a penalty of {$54.00}, interest of {$27.00} and other fees of {$32.00} had been added due to non-payment. I immediately call Amerihome customer service and spoke with XXXX ( no ext. #, no last name, no direct telephone # ). I was assured that the taxes had been paid inXX/XX/XXXX by check in the amount of {$1000.00} and that all " extras '' were taken care of by Amerihome. I trusted Amerihome -- never again! I received a statement from XXXX XXXX stating that the XX/XX/XXXX taxes had not been paid and to ignore statement if this was not the case. Again, I called Amerihome and home and spoke with customer service and was assured that this was taken care of and not to worry that all was paper-work catching up, etc. When I received a notice for my XX/XX/XXXX Property tax in XX/XX/XXXX and the notice indicated that the XX/XX/XXXX taxes had not been paid, I went to the tax office and discovered that Amerihome had paid someone else 's taxes. The difference in the map # was MINE -- XXXX and the one that had been paid was XXXX. I called Amerihome and spoke with XXXX who told me it would take a few weeks to correct. OnXX/XX/XXXXI called back and spoke with XXXX ( Supervisor ) that told me it would be 2 weeks to 1 month to correct. Both assured me that all penalties, fees, additional taxes, etc. would be paid by Amerihome. I called on XX/XX/XXXX and spoke with XXXX ( Supervisor ) who told me the issue was in the Legal Description Dept. and that our house payment would be adjusted and all issues would be resolved During one of my conversations, I requested the XX/XX/XXXX and XX/XX/XXXX statements. They are not showing in the computer system and was told copies would be mailed. I received XX/XX/XXXX& XX/XX/XXXX instead. To date, I do not have the XX/XX/XXXXstatements.
this number XXXX calls me every two hours up to 4-6 times a day after telling them to stop
I paid off XXXX XXXX XXXX XXXX or XXXX on Equifax ( XXXX XXXX XXXX XXXX XXXX ) and I sent a request for deletion as the company XXXX XXXX advised me to contact Equifax, XXXX and XXXX and none of them have removed this debt COMPLETELY FROM MY FILE. I requested a hardline deletion and XXXX XXXX said that would not be a problem just submit my request with the credit bureaus. I 'm requesting zero collections on my credit reports. Also I have sent several lettters to all three credit bureaus requesting removal of hard inquiries that I did not authorize on my credit reports and they refuse to remove them due to fraudulent activity. I requested Equifax to remove XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXXXX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I requested XXXX to remove XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX.
Ad Astra Recovery keeps calling and will not identify themselves stating they will send a police officer to my job and house to serve me some papers for an account that I made fraudulent bank account in order to get a loan.
I opened a  XXXX  's credit card with the persuasion from a sales clerk to receive a discount on my items for purchase with the intent of closing the account after. I do n't ever recall receiving a paper statement but did receive an email showing the balance due. I did make full payment of the amount due on the account but it was electronically received 2 days late. In addition, the account was noted as closed. Subsequent to the account being paid in full I have receive d 2 late charges  of {$27.00} each. The first was {$27.00} for being 2 days late, and the second late charge of {$27.00} was for being late on the first late fee.     I called Comenity Bank today, and they claimed they could not eliminate the late charges since the account was closed. This is ridiculous and I feel they are taking advantage of me and putting me in a credit risky situation. It is not right that they will continue to keep charging me late fees due to late fees when the account is closed, and they have receive full payment of my purchases.     Help!