WillisBack/dataset-financial-user-claim huggingface dataset:
Dear Representative, After hard time of foreclosure, job loss and eviction, I was able to step on my feet financially and handle life as self-employed person ( I am XXXX and there are n't too many employment options for me ). I worked on establishing good credit again and with satisfaction observed how my old collections disappeared from my credit report, when suddenly and by chance opening XXXX, I saw XXXX separate collections XXXX collector, related to XXXX. They ruined my credit score from XXXX to XXXX, and I am in panic. I never received any mails or calls from them. 
The case is that I worked in this city XXXX, and during work time should go every 2 hours to turn my car from back site city parking to front site city parking. It was silent agreement between my company and the City to do this. The City XXXX practically did n't have at this time any free parking, and the XXXX company I was working for did n't secure for me a parking permit for entire period of my employment, which was 3 ( three years- XXXX till XXXX ). I did what it takes, even my work as XXXX employee for a large company did n't allow a lot of time, and importantly, to think about my car when under pressure to make more and more sales. 
Now, after exactly 5 ( five ) years being not employed from such company, and making my living alone, I was slammed with this collection. 
I wrote letters to the collection agency and Transunion about this issue and will expect their answer. 
Once in a past I had your help, when a collector pretended some money for my foreclosure by using my home purchase 's closing paper file ( I still wonder how they reached this file ). I very much appreciate your timely help. 
Unfortunately, now I have another case. It will be up to your competency to decide what action to take. Whatever it is, I will never forget how you helped me before. 
Thank you for all your efforts and professional work : XXXX XXXX XXXX XXXX
A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score. 

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
XX/XX/2018 XXXX XXXX is reporting to the credit bureaus that I owe {$820.00}. This is incorrect, I owe them nothing.
After Disputing my credit with Equfax by phone and on line the online report became unavailable. They continue to report multiple accounts it took 3 weeks to get them to send me a copy of my report by mail. They refuse to update my address information and are still reporting an address I have never had which ccould be associated with Idenity theft XXXX XXXX XXXX, XXXX Tx XXXX I have disuted this address several times. I never lived here or know how it has come to be on my report. They contine to report my student loans multiple times when I called the collection agencyes who they show to be reporting them I was told thet the reason they are showing up on my report is because Equifax is sending them repeated investigations ect but that they should have droped off after 30 days as they are no longer reporting them the loans have been discharged and I no longer owe them. They are reporting them 9 times.While there were only XXXX loans that have been completley dicharged. Also they have elected to now only report my negative credit and have erased all of good credit. which is only being reported by XXXX and XXXX. They wiped it off since 2013 when I last disputed my credit with them. Now because off their missreporting the amounts of inaccurate debts that were part of Identy theft XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. They continue to report these account along with the collection agencey who continue to harrass me in regards to the stolen credit cards.By doubleing the accounts and in the case of the student loans trippleing the number of negative accounts tremendousley effecting my credit score. After contacting the above original creditors they have all told me they have no rights to the accounts they have long been sold and are not updating or any longer reporting to the credit bureaus.
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. This is over the statute of limitation for this debt to be collected on. This company does not hold a surety bond in the state of Texas as required by the Texas Finance Code 392.

I request the following : 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 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.
I have disputed this collection before and it was removed from my credit report. Now it is back and they are sending me letters trying to collect a debt I do not owe. This account does not belong to me. I have never had an account with this Creditor. I am requesting that it be removed from my credit report. If you fail to remove it, you are required by law to provide proof that the debt is mine. Please see the attached document and the comments.
On XXXX XXXX, 2014 I had a XXXX in The XXXX XXXX in XXXX FL. I was taken to XXXX XXXX XXXX Hospital XXXX. The hospital was given my Insurance information, XXXX and XXXX and all of medical bills were paid by XXXX XXXX XXXX XXXX XXXX and any bills related to this accident paid by XXXX or XXXX were reimbursed through XXXX. I was searching my credit report online and was wondering why my credit score was was so low and I found in the Collection ( s ) Part all these bills from a XXXX. XXXX, XXXX and XXXX in XXXX, FL attached to the the accident that were never billed to me or XXXX XXXX XXXX Company. When trying to resolved the problem I could not obtain bills from this Online Info Service Collection Company or the doctors putting these charges in collections. XXXX XXXX and I have tried numerous times to get bills related to this doctor group but no one is able to assist us. The name of the Collection Agency is, Online Info Service, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX ( XXXX XXXX and the Doctors are XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX. Please help me to resolve this and get this off my Collections on my Credit Score. Thank you.
I disputed an account the showed up on my credit file. It was XXXX XXXX XXXX XXXX. Directly after the dispute the item changed to XXXX. Then when they did not respond the item was removed from my credit file. Neither the original account or the second name of the original account are on my credit file. I never recognized this item. It is identity theft. 

After the items were removed from my credit file I got a letter from AFS in the mail trying to collect the debt. When I called the company as the letter requested, the person on the phone did not know who consumerfinance.gov was, refused to acknowledge that the accounts have already been removed from my credit file. I tried to explain that the debt his company purchased was not valid. He refused to listen. He offered me no solutions for the hishap. He didnt offer to send a fraud/ID theft package. He also told me the debt was valid, and would n't look into what had already happened. This item is not on my credit file as of yet, and should not be on there. The company needs to stop trying to collect a debt that has already been found to be fraudulent. I tried to included XXXX in this current dispute, but they are still not a valid company with consumerfinance.gov. I included documents to show that cfpb.gov sent it to the regulator ftc, and then the item was removed from my credit file. Please cease and desist any further collection attempts including putting item back on my credit file.
With Reference to Credit Card Ending XXXX, I had sent Many Mails to Citibank Customer Care and Grievance Cell and Citibank had sent Mails to Revert in 5 Business Working Days from Last 15 Days for the same, They had Given Me Reference No. XXXX & XXXX But No Any Mail Received from Citi bank Regarding Solving the Issue. They Were Charged Joining Fee as When I had taken Credit Card at that time, Concern Citi Bank Sales Executive told me that It was Life Time Free and No Any Hidden Charges also to Be Levied But Citi bank Charged Joining Fee of Annual and I had sent Many Mails to Concern Citi Bank Credit Card Department But No Any Resolution Given by them .... Please help me for the same
I lost  XXXX  of my  XXXX  form mail in this year. Right now, I received  XXXX  debit card fr om netspend.com, which is I never heard before. I called and asked them where do they get my info, they to ld me this from third party company and rejected to tell me which company. I told them to cancel this account right the way.
My care was stolen on  XXXX / XXXX / XXXX  and when it was found on  XXXX / XXXX / XXXX  it was considered a total loss by the insurance  adjuster  with the insurance company  (   XXXX  ) .At the time of my lost I owed {$21000.00}. My insurance company  (   XXXX   )  paid {$11000.00} with left a balance of {$9000.00}. I purchased GAP protection  XXXX   XXXX . I received a letter in  XXXX   XXXX  stating that GAP will not be responsible for paying the remaining balance and that will be my responsibility. I called on several occasions t o Santander Financial trying to see what I need to do take care of this balance. I was instructed that there was nothing I could do but  pay this remaining balance. I called GAP with  XXXX  spoke with several adjusters and was informed because of the high interest, daily fees and late fees they have the right to deny paying off my remaining b alance. I spoke with one claim adjuster whom informed me to cancel my GAP claim ( which I did ) to lower my monthly payment. Canceling the GAP on the vehicle I no longer had did n't lower my payment. My financial agency ( Santander ) lowered my {$620.00} monthly note to {$450.00} a m onth with a daily interest of {$5.00} per day. Keep in mind, I am paying {$5.00} daily on a car I no longer have in my possession still till this day. The insurance company  (   XXXX   ) r equested all keys and to turn all rights of the vehicle over to them vi a UPS before prior paying a payment they was gon na pay to Santander. I sent everything via UPS as instructed to solve this matter. The insurance company (   XXXX   ) p aid Santander  XXXX / XXXX / XXXX . While waiting on the insurance company and GAP to pa y Santander, I was accumulating additional late fees with daily interest and penalties which affected my credit score tremendou sly while waiting to finalize the incident. As of  XXXX / XXXX / XXXX  the amount I now owe is {$10000.00}. Other words, I 'm stuck with a monthly note on a vehicle I do not own anymore that 's constantly accruing high interest rate and daily fees still this day. This is not fair nor what I signed up for when I purchased the GAP Protection and the  XXXX   XXXX . I need help resolving this issue. I was current on both my insurance and car note at the time of the incident.
I have a student loan with Great Lakes. In requested a {$0.00} dollar payment plan in XXXX as I was unemployed and working with a XXXX ( XXXX XXXX ) and unable to make my {$650.00} dollar loan payment. I sent them a request and copy of my pay stubs from XXXX XXXX. The repayment plan was never initiated ( although XXXX did ). I then changed employers three months later to another XXXX ( XXXX ) and submitted another request for a {$0.00} based payment plan. Upon their Great Lakes request I sent them a copy of my pay stubs and that requested was still pending as of XX/XX/XXXX. Again I contacted them about my pending application and Great Lakes stated they needed a copy of my Income Tax Return for XXXX which was faxed to them on XX/XX/XXXX at XXXX from the XXXX Office # XXXX. As of today I am still waiting for the payment plan to be approved. Every time I log into my account with Great Lakes it gives the status that my application is being processed. They recently put my account in forbearance but I am being charged over a thousand dollars in interest that would not have occurred if I had gotten the payment plan ( which the DOE / XXXX ) stated would be {$0.00} a month based on my income for 1 year and no interest accrued. It seems to be that Great Lakes is pulling a XXXX XXXX to get additional money from me that I ca n't afford. Can you help?
I have hard inquires from XXXX and XXXX XXXX from XX/XX/2017. 
I have XXXX XXXX services as my cable company for the past two years. 
Don't understand why these companies would pull my credit without authorization.
I am a home owner in review for a modification but the lender is still proceeding with foreclosure and has set a foreclosure date for Tuesday XXXX XXXX, 2015. I believe they are violating my " Homeowner Bill of Rights Act and they are breaking the law. Can you please help me with this. 

Thank you, XXXX XXXX
In XXXX 2016 it was announced that Pennsylvania, as well as other states and commonwealths had reached an agreement with mortgage lender HSBC. I am a homeowner whose mortgage was serviced by HSBC since I purchased my home. I have heard no news or updates on this agreement since the announcement in XX/XX/XXXX. I was particularly interested in the section of the agreement that pertained to the loan modifications, which included principal reductions and refinancing for underwater mortgages. For years, I attempted to get assistance through HSBC to refinance at a lower interest rate than the 6.79 %, which I still currently have on my loan. HSBC offered a series of loan modifications, which lowered my monthly payments, but did little to lower my principle balance. 
Last year, this modification resulted in over {$14000.00} being applied to interest only on the loan, while the principle balance only decreased by slightly over {$4000.00} during the year. Since HSBC would not refinance and did not participate in any Government sponsored relief programs, I am still stuck with a higher than average interest rate and still slightly underwater My concern about this agreement grew deeper when my loan was suddenly transferred to a new third party loan servicer effective XXXX XXXX, 2016. Is this loan transfer part of the agreement stipulations or is HSBC seeking to shed some loans to lessen the impact of the settlement? Given HSBC 's history of questionable business practices, it would not surprise me if the latter was attempted. 
During my prior inquiries, I was informed that HSBC would be in contact with their customers regarding this settlement. Since they are no longer the mortgage servicer of my loan are they still responsible for this follow-up? 
I would appreciate if you could review this correspondence and follow-up on my concerns.
On XXXX/XXXX/2015 I ordered a XXXX for a XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX. ( I was the first person to order this kit according to XXXX Customer Relations person-XXXX ) The product arrived and I gave it to the mechanic to install. It did n't fit so I reported it to XXXX who directed me to their supplier ( XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ) who replaced part of the XXXX that did n't fit because it was too large. While speaking with XXXX they told me they had never tried to actually install the kit on the car it was advertised for. The XXXX set of parts did n't fit either so I contacted my credit card company CITI Bank XXXX # XXXX telling them I did n't want to pay the bill until the problem was resolved. They agreed for a month after which time I received a letter ( XX/XX/XXXX ) saying the creditor -- XXXX had refused to extend the payment. I wrote a letter explaining the situation but CITI Bank wrote back threatening to turn me in to XXXX credit bureaus as delinquent on the account. I paid the {$1100.00} to CITI Bank in order to prevent being reported for bad credit in spite of the fact that the issue has never been resolved. Currently the XXXX set of XXXX products has been returned to XXXX for analysis. In the meantime I have spent XXXX of dollars on mechanics trying to fix my car. A fair resolution would be some sort of sanction on CITI Bank since they refused to place any merit on my side of the dispute. Also, I expect XXXX to reimburse part of my labor costs since they sold a defective product ( They have now stopped offering it ) that had never been tested on the car they sold it for.
on or about XX/XX/2019 I noticed a medical collections on my trans union report. This is an invalid debt, and I believe a person with a name similar may have a medical account, but I have never visited an urgent care, nor have I ever been without medical insurance. Im not sure if the HIPPA laws would even allow TransUnion to verify this debt prior to adding to my credit report, as they are required to under the FCRA. So im not even sure how Transunion came to adding this account but it isnt rightfully mine.
This company is repeatedly calling my work, asking for me by my former last name, so I know this debt is OLD as I have been re-married now for 8 years. 

But, I have let them know on every single phone call they make to my work, that they are calling me at work, however they continue to contact me at work repeatedly throughout the day ( sometimes 4 times per day ) and almost daily. 

The company 's name is Avante USA and the number they are calling me constantly from is ( XXXX ) XXXX
My student loan went into default due to me not paying it because I was not getting any information on my student loan mailed to me or through email. Once I found where my student loan was I began repaying it through a rehabilitation program, which I completed successfully. I have been out of default for a year paying on {$45.00} a month. All of the sudden my loan servicer Navient raised my monthly payments to XXXX a month which I can not afford. I attempted to apply for multiple income driven repayment plans and the only plan lowered my payments only {$40.00}. They told me if I could not take care of my monthly payment my only option was to go into forbearance. They also told me I had to make one time payment to begin forbearance. I was never offered any other repayment plans and was forced to go into forbearance. I was trying to get a public service loan forgiveness and now that has come to a stop because I can no afford my student loan payments with all my other bills.
Due to recent data breaches at XXXX I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from Experian and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.
Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I 've been gravely affected and credit score is affected as a result of it. No notice was ever given and that 's a violation. I am requesting that all inquiries be removed : 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/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
USAA cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing  Period Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.
I took out a loan at check into cash in  XXXX   of 2017   , for {$570.00} and I ca n't pay the loan back because I lost job due to unforeseen reasons..They have been calling me and its really bothering and upsetting my family, not to mention the high interest rates that they charged o n the loan..is n't  this against the law??? I just want them to stop harassing me ....