WillisBack/dataset-financial-user-claim huggingface dataset:
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on. Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by { {$10000.00} } per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note 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 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 ).
On XXXX XXXX, XXXX my wife and I went to obtain a pre qualification for a mortgage. Once our credit reports came back, I noticed immediately there were reports of delinquent payments from Navient on my credit. I knew for a fact that I have never missed a payment with Navient, nor have I ever made a late payment. After finding out this surprising information I checked my account history online at Navient 's site. My account history goes all the way back to XXXX, XXXX and shows not one single missed or late payment. 

On XXXX XXXX, XXXX I decided to call the Navient customer support line to get this issue resolved. I spoke with a XXXX ( Representative Number : XXXX ) who confirmed that my account is and has always been in good standing. XXXX also noted that my account shows no late or missed payments, thus proving that I have been incorrectly reported to the Credit Bureau. XXXX explained to me that the only way to dispute this would be to write a letter to Navient 's Credit Dispute Department with a copy of my credit report showing the negative marks and any proof I had that this was a mistake. Unfortunately, XXXX also stated that there is no phone number, email or fax number to contact the Credit Dispute Department at Navient, or anyone at Navient headquarters. Naturally, I was dumbfounded by this. How can a company have no phone number, email or fax line? This obviously raised a lot of red flags for me. The next day I sent a certified letter to the provided address for Navient 's Credit Dispute Department and sent along my credit report and proof of all my on time payments. 

On XXXX XXXX, XXXX I received a response from the Credit Dispute Department in my Navient Account Inbox stating that " the information we 're reporting to the consumer reporting agencies is accurate and that no corrections are warranted ''. This left me pretty enraged. I has proof directly from their website showing no missed or late payments and even had an employee of Navient state that that my account is and always has been in good standing. On top of this, I also became very concerned that Navient provided me with no proof of these apparent delinquent payments. All that was given to me was a letter saying basically that I was wrong.
I got hard inquiry from XXXX XXXX and they sent me a letter credit repair removal XX/XX/2018 but Equifax didnt remove these inquiry from XXXX XXXX I have been calling for several time the Equifax customer service phone number but they didnt answer and i need to remove this inquiry from XXXX XXXX
On XX/XX/XXXX I traded in my XX/XX/XXXX XXXX XXXX XXXX at XXXX XXXX XXXX. I paid USXXXX as a down payment .XXXX contacted XXXX XXXX XXXX and got the paid off information and based on that the gave me the new deal. The US XXXX should cover the remaining payments. In XX/XX/XXXX I received a notice dated XX/XX/XXXX trying to collect US XXXX when I called XXXX XXXX XXXX they told me that they have nothing to do with that and if I font pay the will send my account to collections. I explained that I made a deal with a dealership that belong to them and that they should contact the dealership. They did n't care. I called the dealership several times and have not get a response from them yet. 
Today I received a notification that this account is in collections dropping my credit score to XXXX. This is the 4th vehicle I get from this dealership and I have nothing to do with the communication between the dealer and XXXX XXXX XXXX when they call to get payoff information.
I have applied for the Public Service Loan Forgiveness program with regard to my student loan. In XX/XX/XXXX I called to check on the status. They said that I was paid ahead and that I was not eligible. They did fix this. They then proceeded to tell me that within 90 days, I would be able to see the status of my qualifying payments that are applied to the PSLF program ( to have your loan forgiven there are stipulations, along with 120 payments ). After 80 days I called, they told me it hadn't been 90. After over 100 days I called, they still didn't have the information, I called again recently and they still didn't have the information. Its been over 200 days since the initial inquiry. Before XXXX took the loan over from XXXX, I had applied for PSLF ... all in all, its probably been over a year since anything has been reported to me. Recently I sent in my recertification of employment, however, this is not required to be done ... just a good idea. In the end, I would like to know how many of my loan payments have qualified me since I have been making payments for almost 10 years now. I don't suspect I have made 120 qualifying payments quite yet, however, I know its far greater than 0, as it indicates.
During a home loan approval process, I was notified by a prospective lender that there was a derogatory item noted on my credit report. This derogatory item has negatively impacted my credit score, hindering my abilities to get a reasonable interest rate on a home loan from the lender. To get a better understanding as to what was affecting my credit score, I had the lender provide a few  details as to what this derogatory item was. It appears that XXXX XXXX had opened an account under my name without my consent. Because I was not aware of this account, this account has now been closed with XXXX XXXX and placed in collections with XXXX XXXX XXXX. My credit report states that there is a balance of {$1800.00} that is currently in collections with XXXX XXXX XXXX. I would like to dispute this claim since I had never consented to opening this XXXX XXXX account.
The servicer is asking for canceled Social Security checks from the Borrower because he cashes his checks instead of depositing. The award letter was provided for both him and his wife. THe servicer will not move forward with the modification until they get canceled checks from the social security office which will take some time. The borrower and co borrower are a XXXX XXXX. It is very difficult to get back and forth to the bank and other places when the servicer keeps asking for docs. So it takes time to get the docs and send to them. The home is in danger of foreclosure.
The company has Called me a number of times and everytime they have failed to prove id for the company they are with and keep asking for personnel data before id the company they work for. I have told them to stop calling due to them not being able to id themselves before they seek personnel information. They called on the XX/XX/XXXX and XX/XX/XXXX and on the XX/XX/XXXX i told them not to call due to that they would ask for information without letting me first know what it is was for.
To start with I have attempted 7 times now through various channels to resolve my issue however the bank simply avoids responding to the actual issue by citing irrelevant information that pertains to changes made to the account after the actual incident occurred and those changes would not have taken place if the bank had not assisted a secondary signer with fraud and account takeover of my companies business checking account to begin with. I had a checking account with TD Bank and at some point without my knowledge the bank allowed a signer and employee of mine to change the signers and owner of the account in effect removing me as owner from my own checking account and they refuse to assist me since I am not on the account anymore although the changes made were unauthorized and according to bank policy what took place should not have been possible unless all signers were present which I was not or by closing the account and opening a new one which did not occur since the account number has not changed. The signer that removed me from my account is now deceased and the probate court has ordered the signers now to be changed to the personal representatives and this is the banks response but I want to know how I was removed from my account to begin with by the now deceased individual so a response related to the latest changes is not acceptable nor does it address the issue.
I have sent a letter in 4 months ago on XX/XX/2018 and I havent received any response through mail nor email. I take it that there isnt any original contract documents on me for the credit card account with XXXX XXXX with an outstanding amount of {$1800.00} and the inquiries listed on XXXX, Experian, XXXX. I have never given anyone any consent to inquiry inquiries on my credit file and this seems to be fraudulent and erroneous. I have attached a letter that I would love for you to carefully read. This is my third attempt since last year and this year combined. I hope we come to a resolution and your company completes an internal investigation on the account and inquiries because this seems like its becoming a problem and no one in the department is dealing with this situation or taking this matter serious. I repeat, please dont send me any XXXX XXXX messages stating that the inquiries are factual records nor is the account because I dont have a clue of who they belong to and I have contacted the creditors and havent gotten a response back. Its been more than 30 days for this matter. If this matter isnt resolve by Friday Im seeking legal actions against XXXX, Experian, XXXX.
I have been paying extra money each month on my mortgage. This month I received a check for {$420.00} as a a reimbursement for escrow. My escrow amount was also increased which makes no sense at all. I have made several attempts to discuss the issue with Freedom Mortgage Corporation, XXXX XXXX, XXXX XXXX XXXX, XXXX CA XXXX. I have been placed on hold with no one returning to the line as well as sending an email which I receive no response. I believe that charging this much escrow for no reason is a ridiculous use of my money. Please help.
I was sent a forebarance notice that I could add to my student loans. The company is saying I am ineligble, yet the paper THEY SENT ME says I am eligible. I am mad that I was sent XXXX copies and they wo n't admit they are wrong.
I had received numerous robocall from Aldous & associates P.L.L.C. After calling back on XX/XX/18, the representative named XXXX XXXX told me I owe money from gym membership. When I wanted proof of this claim in the form of singed contract / agreement, the company told me that they already mailed a letter to me which I had never received. When I requested them to send me again, they told me that they are not sending me the proof and didn't explain the breakdown of the amount. Yet the representative threatened me to report to the credit bureaus. The representatives remarks were threatening and unreasonable. These threats without providing proof of the claims and without explaining the amount of the claims, has caused emotional distressed in me. This emotional distress has hampered my personal and professional life.
XXXX   XXXX   XXXX  hold  XXXX  accounts from  Citibank Best B uy that were from Identity Theft by a relative of my husband. I submitted in  XXXX  Fraud Report t o Citibank B est Buy ( Original Creditor ),  XXXX  is now the owner of both debts and I am currently being sued for a balance of {$3000.00} in account #  XXXX , this debts are not mine. I provided  XXXX  another Identity Theft Report and also to  XXXX   XXXX   XXXX  their Attorney representing them on  XXXX  and also on  XXXX / XXXX / XXXX , I have contacted  XXXX   XXXX   XXXX  and fail to dispute both  Citibank B est Buy accounts. They have also not done anything to stop their legal action on the lawsuit to investigate. On  XXXX / XXXX / XXXX  I sent a request about both debts and they have not provided me with any documentation other than monthly statements.   I am a victim of Identity Theft, this debts are not mine!
We the American people will rise against you Ocwen XXXX, and we will bring you XXXX down. Ocwen XXXX can not control themselves, full of greed living in another planet. Totally incompetent! 

Ocwen Loan Servicing LLC, N.J. Super. App. Div. ( per curiam ) ( XXXX pp. ) Plaintiff XXXX XXXX. XXXX appealed an order dismissing his XXXX-count amended complaint for failure to state a claim. The appellate panel affirmed the dismissal with the exception of XXXX counts. Plaintiff filed the complaint against defendants Ocwen Loan Servicing LLC and XXXX as Trustee. The complaint alleged that over the course of 22 years, defendants engaged in a pattern of misconduct by refusing to accept plaintiff 's mortgage payments in order to claim default and file frivolous foreclosure actions against him. The first count surviving dismissal alleges that plaintiff made mortgage payments and paid insurance premiums over a lengthy period of time without receiving proper credit, defendants failed to pay real estate taxes funded by plaintiff 's mortgage payments, and defendants charged plaintiff for insurance premiums that were improper and never credited. Moreover, plaintiff could not challenge the alleged amount due because defendants dismissed the foreclosure action. The appellate panel found that this count alleges valid claim for an accounting and reversed the court 's order dismissing it. The second count surviving dismissal alleges that defendants engaged in a course of deceitful and unconscionable conduct in their efforts to enforce and collect the sums due under plaintiff 's loan. The actions alleged included failing to accept and credit plaintiff 's mortgage payments in order to falsely claim he was in default, and demanding payments for premiums and other purported costs that were improper. Those allegations were sufficient to state a claim under the Consumer Fraud Act that defendants engaged in unconscionable loan collection practices. The panel reversed the court 's dismissal of that claim. The panel noted that, despite defendants claims otherwise, loan collection efforts undertaken by the " lender or its assignee '' fall within the protections of the CFA.
I noticed I had some unauthorized accounts on my credit reports so I submitted the proper paperwork to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.
I have contacted the bureau dating back to the middle of  XXXX . Disputing the multitude of discrepancies on my credit report. I HAVE contacted each entity that has fraudulently ran my credit and they were unable to verify any history of me consenting to such. I hold NO card, mortgage, nor debt with these entities and this run around has become tiresome and a blatant violation of the FCRA. I have called multiple times a day seeking retribution only to be met with a complete disillusion on their end as to how the reporting process works. The bureau plays oblivious to the wrong doing and the agency who falsely ran my information in turn tells me to contact the bureau for the correction. I did NOT consent to the inquiries on my account and an immediate resolution of DELETING these inquiries needs to be met. See below for the inquiries I did NOT consent to ; Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   XXXX   ;  XX/XX/XXXX . Inquiry :   XXXX   XXXX   ;  XX/XX/XXXX  and  XX/XX/XXXX .
I was shocked when I seen my credit report and seen late payment for the three months listed below ... 

XX/XX/2017 XX/XX/2017 XX/XX/2017 I recall making payments to CITI Bank, but not 30 days late. I have asked the credit bureaus to review this information to make sure it is right. I recently pulled my credit report again and the late payments are still showing on my credit report. No one had showed me that I was indeed 30 days late. I feel that my request has gone unheard.
I have been trying to fix this problem in my Equifax report since XXXX 2016. There were a comment " Paid after Foreclosure initiated '' on an account that was actually closed with a Short Sale settlement. The only result of those complaints is the reduction of more than 50 point on my score. My point is even if such process was initiated, is not relevant nor accurate, because it is NOT the CURRENT situation. We want to rectify it because it does not mention the Short Sale agreement which supersedes any eventual past processes, like all the years we paid on time, or our atempts to get a fair modification, or this one that we never get notice of. Instead of that we get a letter offering th AVOID foreclosure more than three months AFTER we closed the account. An accurate report should show the CURRENT STATUS which is something like : " Paid as agreed in a short sale process ''. As opposed to that in the Equifax report the " STATUS '' column says " 120+ days past due ''. That is definitely false and harmful, and has to be corrected. In the other hand, now the questioned comment says " Consumer disputes - reinvestigation in progress '' and for the last month and a half has been sitting like that. I called Equifax, because ironically I am their customer, asking when this reinvestigation will be over and they told there is not any open investigation!!!!
My mortgage was never late. 

From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX   fraudulently reported my mortgage late to cover up the crimes committed against me knowing that my XXXX was unlawfully taken and I was barred from Co-op Building since XX/XX/XXXXXXXX XXXX unit was illegally sold on XX/XX/XXXX, and I was arrested by XXXX XXXX XXXX  Police on XX/XX/XXXX, for being in my XXXX Lobby as a Defiant Trespasser. 

XXXX XXXX LIED THAT XXXX XXXX XXXX UNIT WAS FORECLOSED ON TO SENATOR XXXX XXXX ON XX/XX/XXXX XXXX XXXX    XXXX FRAUDENTLY CLAIMED XXXX XXXX PAID OFF MORTGAGE IN XXXX FOR XXXX UNIT UNLAWFULLY TAKEN IN XX/XX/XXXX AND SOLD ON XX/XX/XXXX NO FORECLOSED JUDGMENT OR WARRANT EXISTS AGAINST ME. 
On XX/XX/XXXX, XXXX XXXX broke into my XXXX   unit, changed the lock, barred me from entering XXXX   Building, kept my belongings, and made me homeless on XX/XX/XXXX, without a warrant, judgment or foreclosure. My mortgage was current. 
In XX/XX/XXXX, XXXX violated foreclosure laws by filing a claim on lawsuit which it was not a party of for XXXX   mortgage. Two ( 2 ) NJ Superior Court Judges XXXX XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX, ( attachment ) denied XXXX XXXX   XXXX request for {$100000.00} proceeds in Superior Court Trust Fund from illegal private sale of my unlawfully taken XXXX unit on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Legal Dept. emailed to Senator XXXX XXXX 's office that my complaint was about wrongful foreclosure. 
On XX/XX/XXXX, XXXX XXXX pulled her IRS transcript for XXXX. XXXX filed XXXX XXXX Mortgage interest fraudulently claiming that XXXX XXXX paid {$23000.00} in mortgage interest for her XXXX   unit at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX New York, XXXX On Monday, XX/XX/XXXX, we called the Office of the Superior Court Clerk, Foreclosure Processing Services in XXXX, New Jersey at XXXX and was told no foreclosure ( F ) file for XXXX XXXX or paperwork. 
However, there was a closed Landlord/Tenant ( L ) file for XXXX XXXX which {$100000.00} were sent to the mortgage company** without paperwork. She did not understand how my mortgage was paid off, claiming there should have been foreclosure folder with a ( F ) file, and not ( L ) Landlord Tenant. She questioned if XXXX XXXX sold her unit. 

She referred us to XXXX County Sheriffs Office at (  XXXX ) XXXX, extension XXXX ( foreclosures ) to see if XXXX has a on file for XXXX XXXX On Monday, XX/XX/XXXX, we called XXXX Sheriff Office who stated that it did not have paperwork on stated no information on file for me. 

** The Superior Court Trust Fund gave without foreclosure documents to XXXX XXXX XXXXXXXX on or about XX/XX/XXXX, to pay off my mortgage and complete crime against me. 
No valid underlying case, no foreclosed judgment, no warrant of possession or removal, no foreclosure, no Sheriffs sale.
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. At this point I am entitled to statutory damages, as they continue to report this information and that is highly damaging to me. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid.
I am disturbed that you continue to list the voluntary dismissed bankruptcy as confirmed within my credit file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the FCRA ( Fair Credit Reporting Act ) mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. In the case of the voluntary dismissed bankruptcy in my file, it was never adjudicated or relieved and therefore must be removed.