WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX party debt collector has reported to my credit a debt and I have repeatedly sent them letters advising them to cease and desist this collection activity as I do not deal with collection agencies. I advised them that if they were going to continue to report or try to collect this debt that I required they send me a copy of the Surety bond that they had to have purchased and filed with the secretary of state in order to legally report this debt and the date of the bond would have to correspond with the date that this agency began its collection activity. Per the law below that is my right. 
According to the Texas Consumer Law and Texas Debt Collection Act, Subchapter B ; Section 392.101 ; 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 the state of Texas. A copy of the bond must be filed with the secretary of state. The bond must be in favor of any person who is damaged by a violation of the chapter and the bond must be in the amount of {$10000.00}. 
If you persist in collecting this debt please supply the surety bond number and the date of when the bond was filed with the Texas Secretary of State. 

Section 624 [ 15 U.S.C. 1681t ] states that you must comply with Texas State Law. 

Since it is my policy to neither recognize nor deal with collection agencies, I intend to settle this account with the original creditor. 

After all of my attempts to get this collection agency to send me this info or delete this item from my credit, they have ignored. I even sent my last letter certified, signature return receipt. 

I am a licensed mortgage loan originator and now my license is being threatened because of this reporting. I do not owe this company. I have never entered into a contract with them. They purchase my debt as a third party from an original creditor that no longer is collecting or reporting this debt. please help me get them to delete this erroneous information from my credit report before I lose my license.
Back in  XXXX     2016  I found an incorrect account being reported on my  XXXX  and equifax reports by  XXXX  and filed a dispute of this account through   XXXX   XXXX   on  XXXX   XXXX     2016  it was removed by both  XXXX  and equifax on  XXXX   XXXX   2016 . Now the same information is being reported by  XXXX  on my equifax report stating the account was opened on  XXXX   XXXX   2016  and I tried to dispute this with equifax but they claim my personal information does n't match their files so I ca n't dispute it.
My husband and I are being called repeatedly by XXXX different debt collection agencies. XXXX collector says they are trying to contact a person with a different last name, and if we are not that person, just hang up. We have hung up repeatedly, but they just keep calling and calling, often more than once a day. I tried calling them to complain, but their XXXX number was busy. 
The second agency says it is ERC, a debt collection agency in XXXX FL, but we suspect it is someone else pretending to be them, as they are using a different number. They give us a case number and tell us to call back, but we have not done so, because we have an excellent credit score, and KNOW we do not have any debts that would be in collection. Besides, we have friends and neighbors who have been harassed by people like them for months, claiming that debts are owed when they are NOT owed.
Statebridge LLC has recently sold my loan with errors. My account payments are due on the XXXX of each month, my loan agreement includes a 10 day grace period. Statebridge has practiced that if my loan payment is not paid by the XXXX, I am automatically charged a late fee and the late submission is then added to my credit report. This company was a hassle to deal with ; as not a month did n't go by that Statebridge had something wrong on my invoice. I review my statements diligently due to their illegal practices and poor customer service. 
In XXXX XXXX, I went through all my data and rebuffed all of Statebridge late submissions to the credit union, they were removed due to proof of payment submission. 
On XXXX XXXX a money order was sent on XXXX XXXX and cashed on XXXX XXXX by Statebridge. I received another late fee and late payment on my credit report. 
I have contacted them 2 by email and had left 3 voice messages between XXXX and XXXX. The late information was sent to the new lender and I have not heard back from Statebridge.
In XXXX, I sold my home in a short sale. The XXXX mortgage was through XXXX XXXX XXXX. The house sold, and XXXX released the lien. However, Nationstar picked up the XXXX mortgage shortly after the house sold. They came after me in XXXX, and at that point I spent a great deal of time collecting paperwork and sending them information showing the debt had been cancelled through the short sale. I received a letter from Nationstar in XXXX of XXXX saying that the lien was released prior to the transfer date and that the account was updated and closed. ( They also wrote that they would not report to the credit bureaus. ) I thought we were finished. However, in XXXX, I started to receive certified mail from Nationstar asking for the debt. When I redirected them to their own letter, they stopped sending me mail. However, now I am doing a refinance to save interest on my new house, and my lender cant help me until Nationstar sends me a letter of deletion. Ive been trying to get them to give me a letter of deletion for a month. I get the run around every time I call them, and talk to a new person every time who has no knowledge of my loan. They have lost XXXX of my faxes and XXXX email. They have kept me waiting on hold for 30 minutes at times, only to have the call dropped or to reroute me to where I began. They have never been able to give me a manager or a supervisor. They are always NOT at their desk or on another line. (??? ) I have spent hours ( and I truly mean hours ) of my time trying to talk to someone who can solve my problem, only to end up where I began. To say Im stressed about this is an understatement. Now my husbands car is damaged, and I need to buy a new one, but with my credit damaged by almost XXXX points, I cant try to get a car loan until this is resolved. Please help me. From what I can see online, I am one of many hundreds who have been treated this way. I have spent money on faxes that were never received. I have spent HOURS of my time waiting on hold, scanning, faxing, and emailing them. I am now a XXXX car family because I dont want to get a loan for a new car until my credit goes back up ( and Nationstar is what has damaged my credit ... when they went away in XXXX, my credit was good and we bought our current house. Now I cant even refinance my house until the derogatory information is removed from my credit. ( This is costing me approximately XXXX a month in higher interest fees and higher PMI fees. ) I am also incredibly stressed out and am taking time off work since I am a teacher and cant sit on hold during my business day. Please help me.
I have consolidated my federal loans under a private lender, XXXX XXXX ( Navient ). My account shows XXXX consolidated federal loans but payment can not be differentiated between the XXXX. XXXX consolidated loan, which is subsidized, is a lot higher than the other consolidated loan, which is unsubsidized. I 'd like to direct more $ toward the higher amount but Navient says that they are unable to process payments this way. I would like to be able to instruct the lender in how to appropriate my payment, but they are not complying. Navient claims this is a limitation set by federal regulations and it is out of their control.
This is regarding the Equifax breach. 

My information has been compromised by a consumer credit reporting agency. I did not authorize this agency to collect or release my information in any way. 

As part of disaster mitigation, I am attempting to lock my credit at all agencies. These agencies, including the one that was breached ( Equifax ) are all charging for this service.
XXXX and XXXX, the trustee attorney, has claimed to have nothing to do with the foreclosure sale at auction, but have represented to me, through Bank of America and their legal counsel, their are still in the process of post foreclosure sale activities and are unable to tender payment of the {$11000.00} owed to me upon sale. Both XXXX and XXXX and XXXX are unnecessarily holding back the amount I am owed. It is now two months post foreclosure sale and I am not in receipt of payment that, through the representations made to me by Bank of America, XXXX and XXXX, and XXXX and XXXX, have been delayed without explanation. If XXXX XXXX XXXX XXXX had three weeks to sale my home via foreclosure sale at auction, then they should have only three weeks from the date of sale to pay out any monies owed to the foreclosure upon party. 

The bottom line is Bank of America and their partners in crime are a sheisty and grimy business enterprise incomparable to any other criminal racket, including XXXX. Bank of America has engage in a racketeer influenced corrupt organized enterprise with their representatives and third party agents and are guilty of activities covered under the Racketeer Influenced Corrupt Organized ( RICO ) Act. 

Bank of America has intentionally withheld material information from me during the modification process. Specifically, I had been granted a MHA HAMP on appeal and Bank of America chose to make misrepresentations to me as to the true status of this account, borrower, mortgage, Deed of Trust, and real property intended to bring about the improper separation of me and my home. 

Nothing Bank of America has said or done since XXXX XXXX, XXXX changes any of these facts. Everything Bank of America has done, represented and misrepresented to me since XXXX XXXX, XXXX was designed and intended to separate me from my home. 

There has never been an UCC Financing Statement and Assignment of Rents associated with the XXXX Bank of America Note and Deed of Trust, so Bank of America and their representatives can not collect on any default through the sale of the mortgaged property a a matter of law. However, the State of California, through XXXX, does have the right and first dibbs on any rents generated through the property in the event of default through their XXXX Deed of Trust. Additionally, the XXXX XXXX Deed of Trust must be paid off before the real property and title can be transferred as a matter of law. Therefore, there are many violations of law that may be put forth as affirmative defenses or causes of action if this matter is litigated in California XXXX Court. 

If the United States of America government will not take decisive action in this and similar matters, then a private or nonprofit organization should be encouraged to do so under the Private Attorney General Doctrine with financial support and other resources provided by the federal government. 

A resolution of immediate payment of {$11000.00} by check dawn on a local bank is desired.
I contacted XXXX back in XXXX 2016 about possibly getting services. The representative that was working with me asked me if I wanted to give my social security number to qualify for a non-deposit rate or if I wanted to pay a deposit to prevent a credit inquiry. I asked how much a deposit would be and I was told {$400.00} or just have a credit inquiry. I did n't want either and decided not to further pursue trying to get services. The representative then told me that it was nothing more they could do and we disconnected the phone line.
Our home was hit by a tornado on  XXXX   XXXX ,    2017. Our i nsurance company attempted to give us a check, but had to reissue  it because PNC mortgage company never notified them they bought our loan. Once we finally received our check, we had to submit it to PNC mortgage company ( even though we own more than 2/3 of our home, we owe less than a 1/3 on our home ). We have made multiple attempts to reach the Loss Claims Dept. of PNC. I have  been on hold for ov er 4 ho urs and was never able to speak to a representative. I have called the customer service department and they always inform me someone will contact me back within 24 hours. We are trying to make the repairs to our home, but can not reach the bank to have them issue the checks to the contractors. We have multiple contractors and they want each contractor to submit paperwork that is notarized. We have paid a few of the contractors with our own money and want to get reimbursed. My  XXXX   year old  daughter is having to receive counselling after the tornado hit our home ( we were home when it happened ) and because our home still is in such disarray. We just want to have access to OUR own money that the bank is holding. They are making the rebuilding process impossible which is causing us a great amount of stress. To this day, we have not received one penny from the bank because we can never reach a ny one in the Loss Claims De partment. We believe they are holding the money and collecting interest on it.
I XXXX went to my mortgage company wanting a modification they give me XXXX saying it was in house I could afford my mortgage then they came back saying the house mortgage is over an give me permanent modification that was to high I ask for a lower interest rate other than the 6 % they give me they said they do n't have to I could not afford the mortgage an it got me behind in my payments. I had to go to my XXXX to get money to try an make those payments an that got me in trouble with the IRS an trying to make the house note left no money for anything else
On  X/XX/17    I submitted a complaint CFPB #  XXXX  in which I disputed the validity of the debt with the original creditor  XXXX   XXXX .  XXXX   XXXX  failed to respond within 30 days and per federal regulations all attempts to collect on this debt must cease and desist. The item associated with this debt I do not owe is showing on my  XXXX  and  XXXX  credit reports. Please immediately delete this item related to  XXXX   XXXX  from my credit repo rt ( s ). T hank you for your attention to this urgent matter.
This account was added to my credit bureau on XXXX XXXX XXXX after being notified this was included in chapter XXXX bankruptcy XXXX XX/XX/2013. I 've had a representative call me after the fact.
I am a victim of identity theft and someone stole and used my personal information to get unauthorized health care using my identity and personal information. I have received harassing and threatening telephone calls and death threats from Financial Adjustment Bureau in regards to XXXX different unauthorized and fraudulent medical accounts and debts that do not belong to me.
I 've been dealing with this for months now I have a fraud alert extended fraud alert and files blocked. I 've been a identity theft victim twice already much to my displeasure. Such a hassle on everheverything I do. Citizens bank is not understanding the meaning of fraudulent charges and has a balance of {$290.00} in an open account in my name after countless hours online and disputes to them and investigation I gave up. I refuse to pay for something I did not do.
My loans were DISCHARGED in XX/XX/XXXX. I have the IRS FORM XXXX that shows " Cancellation of Debt '' in full ... Nelnet has now, in XX/XX/XXXX, been harassing me over 20 times now ( phone harassment, email and mail ) wanting payment on a debt that was DISCHARGED.
XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXXXXXXx XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim.

In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on X/X/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted GM Financial who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow GM Financial to run my credit. Other banks that have run my credit without my authorization include : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GM financial, and XXXX XXXX via XXXX XXXX XXXX.
I disputed a charge XXXX in the amount of XXXX and mailed proof of the dispute. I received a letter stating that XXXX sent them a response and so I provided more docs. They, meaning Chase, told me they never got the information, and in doing, so did not refund me of my XXXX charge from these scammers.
Several times, I get calls through out the day I ask not to call so many times and asked them not to call so many times they told me they have to call. So right after they would speak to me a co signer they would call XXXX or vice versa and start the process all over like they never spoke to any one. So when the hurricane hit Hurricane Florence they asked if we were okay from storm or etc and advised XXXX that he could do an 3 month extension so he turned in the paper work and then they kept saying oh you have to wait, so they finally called back and said where is the payment, so we explained what happened and they said they see paperwork but it cant be 3 month it has to be a 2 month after to speaking to several supposed supervisors and account managers so we turn in the 2 month paper work and they changed the payment due date, so that was not fine but advised of when we could pay so a few days later a call again telling us we are 90 days behind when that isn't true every time u ask them about there XXXX they say oh now I see the notes, so I asked the balance, they guy says a higher amount and says oh sorry the late fees don't get pushed back with the 2 month extensions so then made an arrangement due to amount being higher get calls again and a rep tells me about my smart a mouth and literally cusses at me. I have never had so much disrespect from a loan provider.
I filed a complaint against Wells Fargo Bank 2-weeks ago -- -ID # XXXX and recieved a rubber-stamped form reply asking if their could be of service. The same day I recieved an email informing me that the matter was closed and the problem solved. That was not the case! I have not recieved any satisfaction or any representation that would solve or compensate my original complaint. please look into their account posting practices and charges for too many checks written on a money market account. Thank you, XXXX XXXX SS # XXXX CELL XXXX
Wells Fargo has charged me over 1200 in Overdrafts in just 3 months. They would charge overdrafts on pending items, when cash was deposited same day. They would then hold checks whenever they felt like it. Then they started calling me daily on paying overdrawn account because I refuse to pay it. They have overcharged me an excessive amount of fees and I got tired of it. Since leaving that bank I have not been charged any fees or overdrafts as i have had direct deposit. The amount in over drafts of XXXX on some low dollar amounts is ridiculous also you can not charge OD 's on pending items which they did again and again I kept all the screen shots and emails with them. Then they would call and harass 10-12 times a day excessively Wells Fargo can stop calling me 10 times a day regarding my overdrafts. To date I have been charged a little over 1200 in fees from Wells Fargo and you harass me for overdraft at XXXX. You already profited over 800 on my account and that is a rip off. I will be sending all of this to the CFPB and printed it all out for them so they can see the 20 calls a day and how Wells charges and made it difficult to do anything having so much money charged and the small items I was charged XXXX. XXXX
Caliber did not receive a copy of property tax statement for first half of XX/XX/XXXX tax payments ; copy of property tax statement was sent to Caliber. Caliber incorrectly entered Lot ID, resulting in incorrect property tax payment. After being notified of issue, Caliber subsequently made correct tax payment. However, original incorrect payment ( made XX/XX/XXXX ) has still not been returned to our escrow account, despite over 6 months passing. As a result, escrow account is underfunded. Caliber subsequently did an escrow analysis ( XX/XX/XXXX ) and determined that escrow account is underfunded, resulting in increased escrow payment to take effect at a later date. Additionally, this resulted in an incorrect XXXX being issues, as it includes both the incorrect payment ( not yet refunded ) and the correct payment.