WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, Medical Data Systems, located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Alabama XXXX, appears to be in violation of the Fair Credit Reporting Act and also HIPAA. Medical Data Systems placed a negative collection account on my credit reports, that I have no knowledge of, without notifying me before placing the collection account. I was not allowed to validate this alleged debt prior to the company reporting it to the credit bureaus which is substantially damaging my credit. Prior to Medical Data Systems placing the negative item on my reports, they made no attempts to reach me in regards to the alleged debt. 

Upon notice of the collection account, I sent Medical Data Systems Inc. a debt validation letter via certified mail on two separate occasions (XX/XX/XXXX andXX/XX/XXXX). In the first letter, I requested Medical Data Systems provide me with all of the documents that were provided to them related to the alleged debt and my authority giving them access to the information. The company responded by sending an Authorization for Treatment and Release of Information form from XXXX XXXX Hospital that explicitly states that XXXX XXXX Hospital is  not permitted to share or disclose medical information with anyone besides the patient, along with what appears to be a detailed medical bill with procedures and medications that were administered. 

The second letter was a request for documented proof of the full chain of account assignment, ownership, or purchase ; a contract specifically signed by me and the authorized representative from Medical Data Systems stating that I agreed to pay this company for this alleged account ; and the method used to validate this alleged debt including my signature with permission for Medical Data Systems to access my HIPAA information. The company responded to the second letter with the same bill and a statement reading Regarding your demand for verification including original signed contracts, copies of state licenses, our agreement with the original creditor listed on this account, etc., there is no basis in law to substantiate your right to such information. 

In this case, there is no basis in law to substantiate this companys right to MY personal protected health information or the right to place a negative unverified collection against someone without adequately confirming the debt truly belongs to the individual FIRST. So again Medical Data Systems Inc. is violation of the Fair Credit Reporting Act and also HIPAA.  The company failed to send the appropriate documents to adequately prove the debt is mine and given the fact that the alleged debt is a medical debt, it is a direct violation of my HIPPA rights as I have not given this company permission to view or access my personal health information or medical records for any reasons. There is no signed contract between me and this company. I would like for this company to delete the negative listing from my credit reports.
I send letters to all three credit bureaus requesting validation of several accounts including one listed on my report from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received paperwork approximately on XXXX/XXXX/XXXX of a contract and payment history and total amount owed. I then checked my credit reports and noticed they had updated information on the collection increasing the amount from {$8200.00} to {$13000.00} and reaged debt stating last payment received XXXX. None of the information reported on my credit file coincides with the paperwork the company sent me. This intentional report of inaccurate information is negatively affecting my ability to get school loans for my child, jobs, purchase a home, and/or reasonable interest rates on credit cards. 
Also XXXX continues to report inaccurately on my credit as late when I actually paid debt off with credit agency that they sold the account to. I have made several requests to remove inaccuracies but they still have yet to do so.
I have 2003 XXXX financed through United Auto Credit. I am XXXX payments and have XXXX to go, the motor has locked and seized at this moment. I have been in contact with the financial institution from the day it has been inoperable. They asked me to obtain estimated cost of repairs so they may file for an extension on payments. I have done so on XXXX different occasions, but mysteriously everytime it 's sent over its a new person claiming to be my account manager. At this present moment I am being harassed on a daily basis over a payment, in which I was told would be extended if i sent over the required documentation ( estimate/qoute )
The inquiries below I did not authorize. I asked one dealer to go through open bank and they shopped my credit report around without my authorization. 



XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX OF XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016
XXXX of XXXX Ny offered a special 0 % financing offer to buy furniture through WellsFargo. After initiating the offer and signing the agreement Wellsfargo contacted me by mail informing the agreement signed is not valid after further review. Instead of the signed agreed upon 0 % they will charge me a 28.99 % finance charge. This is against the marketing and the agreement XXXX offered. I am unsure if XXXX was aware of this issue from the onset, the 0 % financing seemed to good to pass up and outside of XXXX normal financing agreements. I seriously doubt this is an isolated incident either. The scheme involved having to spend X amount to obtain the length of time of the agreement and the 0 % financing. Also instead of being a finance loan it is being pawned off or reported as a credit card, not line of credit. A fixed amount and payment will effect my credit report differently then a credit card. This account may substantially effect my debt to credit ratio impacting my credit worthiness. This whole situation is quickly becoming increasingly predatory. I have e-mailed both WellsFargo and XXXX about the issue.
Machol and Johannas never served me papers complaint or summons regarding the judgment they put against me. they said they served a XXXX year old XXXX XXXX XXXX. I have no idea who they actually served. Being I am a female, single mother, my child is a female  as well and she's only XXXX. No one else lives or resides in my household. So again I have no idea who they actually served if they served anybody at all. They took away my right to resolve this issue. According to the Fair Debt Collections Practices Act if a collection agency has sued you without giving you the mandatory 30 day notice to dispute the validity of a debt then that is a violation of the Fair Debt Collections Practices Act. If the collection agency or collection attorney never allowed you to dispute the debt upon receiving their first notice, then the judgment would be entered in error. They put a hold on my bank account and are now trying to garnish my wages at my work. When you call to talk to someone no one answers nor do they call you back, they don't respond to emails, or complaint emails submitted to the business. This is very unprofessional and is bad business. With all these complaints why are they even still in business?
I posted dated a check and mailed it for XXXX/XXXX/XX/XX/2015 for my mortgage payment as my mortgage company will only take online payments if all the late charges are paid at once ( also illegal ), and the check was cashed on XXXX/XXXX/XX/XX/2015 which cost me over {$70.00} in over draft fees with my bank. XXXX XXXX XXXX needs to be investigated.
I 'm Up to date on all taxes however I have been contacted by my loan servicer collections department asking for evidence of my assessment bill and have spent time downloading my tax bill ( Perhaps they can not do the same ) and sending it in good faith via U/S mail only to come home today to receive another request from the same department my concern is the reputation of loan servers with past mass fraud I wanted to bring this incident to your attention I will not a victim of there fraud.
I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late.
On XXXX XXXX I was pressured by XXXX XXXX XXXX into consolidating a loan that was owed through XXXX XXXX XXXX. It was report to me I needed to pay 6 thousand and some dollars. I want to know why I was not offered a payment plan? I was given two options Pay debt in one lump sum or reconsolidate or be in Federal Default. Also I would like to know why your debt that you collected does not match up with a federal website? Below is a list of questions along with supporting evidence that you collected more on a debt then what I owed. Also XXXX state I paid XXXX on this debt through email communication so how I still owe XXXX on a XXXX dollar loan I am unsure. Below you find all supporting documentation.
I have disputed the XXXX account that is on my credit file numerous times with Equifax. They have refused to update the information causing my credit score to suffer. XXXX is reporting the account as a charge off with the amount. However when I disputed this item with XXXX they sent me a letter advising that they no longer own the debt and that it is owned by XXXX XXXX. If this is the case the account can not continue to be reported as a charge off. It should report as a transfer or sold. Equifax has completely ignored my request to dispute this information. Each time I 've disputed Equifax just comes back ans states the information has been verified.
Hello, I was a victim of identity theft and once I discovered this I immediate froze my account, filed a police report, and followed all of the necessary steps to rectify this problem. My account was compromised for some time without my knowledge with me being in the service. I am having a problem with XXXX/DSNB ( {$520.00} ) reporting to XXXX  that this account is mine and is showing to be negative. They say this account was open over 7 years ago and also showing a balance. I presented all of my documents to the credit bureaus and had this removed from XXXX and also XXXX, however XXXX XXXX is continuing to report to XXXX  which isn't fair. I have sent numerous letters and made over 20 phone calls, attempting to work with them and provided everything necessary to get this fraudulent account removed but to no avail. I have no choice but to come to you and ask for help for this is so wrong and I feel like they are bullying me. Please help me rectify this situation.
barclaycard locked me out of my account this morning for my security i know my mothers middle name now they have my username and password on screen so nobody has to steal it right there i want it repaired now it is bad anyone can log in and there it is
The original creditor is   XXXX   XXXX   XXXX   XXXX   or they also go by  XXXX .     I have been making payments to  XXXX   XXXX  collection agency since  XXXX    XXXX  . Another collection agency reached out to me a few weeks ago saying they had my account from  XXXX  and asked that i setup a payment arrangement. I refused and let them know that I was already making payments for this debt to another agency.     Now perfection collection has placed this debt in the amount of  XXXX  on my   XXXX   XXXX   credit report and i can not possibly owe two different collection agencies  two  different amounts of money for the same original creditor.      XXXX  said that my original balance before making payments was approximately {$700.00} now Perfection collection has reported a balance of {$1500.00}.     I have tried conatcting ADT multiple times to get information about the the collections agency they sold the account to and I am never able to get anything that mirrors the agencies that have contacted me. The only thing that  XXXX  was able to provide was that in  XXXX  the account was sent to  XXXX   XXXX   XXXX   XXXX   (   XXXX  ) and that in  XXXX  it was sent to  XXXX  (  XXXX  ) I have tried calling these numbers and get nowhere.  XXXX   XXXX   XXXX  who says that they work for perfection collection has made the most recent contact with me about what has been reported to my credit. At the end of the day I do want to pay only what i owe to the correct collections agency and right now that is not clear to me.     please let me know what my next step should be to get this resolved expeditiously.
I 've attempted to retrieve my Experian free annual report and the system indicates that I can not get a report. I do not understand why. I have not yet gotten a free annual disclosure and furthermore I am actually an Experian customer. I subscribe to their FICO score and report product, but this product does not show the full report with items such as soft inquiries. I wish to receive an online copy of my full report.
I 've disputed this debt several times with this company and this is the second complaint through CFPB. After you contacted them the company took 2 almost 3 months to sent me copies of statements of charges every month with an address consisting of PO Box that I 've never had! I asked for signed documents from original creditor and also the contract between the two companies agreeing to transfer the debt and the amounts purchased on the dollar or cent. Their surety bond number for the state of Louisiana to collect the debt. Im asking for all documentation because otherwise I cant get any justice! And by law they have to provide it if they are saying the debt belongs to me and reporting it as mine. I 've filed a report and a report with FTC pertaining to my stolen identity.
The address that 's on the statements provided is the same address that someone tried to use to obtain credit in my name 2 months ago with XXXX XXXX. They sent me some statements and claimed that was verification that the debt was mine but it did n't prove anything but they have some statements from an address that 's not mine! And has never been an address of mine. They have to verify that it is my debt not that the debt exist! That 's why it 's called Identity Theft! This is my 3rd attempt in writing to solve this matter and I want notation of the matter before I can seek farther action.
There is a {$22000.00} discrepancy between the mortgage principle balance shown on my monthly statements ( {$220000.00} ) and that shown on my credit reports ( {$240000.00} ). I 've called Wells Fargo to explain this discrepancy and their explanation did nothing but confuse me more.
Debt recovery solutions is attempting to collect a a debt in the amount of {$260.00} that I do not owe because I had insurance through the state ( XXXX ) which covered 100 % of my medical expenses which i will prove by attaching a copy of my medical Insurance card. I have repeatedly tried to tell the companies this but " XXXX XXXX '' merely sold this debt to " debt recovery solutions '' in an attempt to dodge my efforts to have this item removed from my credit report. It is damaging my credit.
Capital Accounts received disputes 3 disputes for the account entry reflected on all of my bureau reports. In my previous correspondence to them, I have requested that they prove the debt they placed on my credit reports and alleging I owe, is indeed mine. This account is not mine. I never received a dunning letter nor any correspondence from them notifying me that they were attempting to collect a debt. My requests specifically requested that they provide an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, alleged account number, original delinquency date, date this alleged debt became payable as well as complete accounting of alleged debt. To date, to no avail. Additionally, my third attempt at communicating with them, I requested a copy of the financial responsibility page, copy of signature with the provider of service to release medical information and for any bureau reporting to cease until the debt had been validated by me. Again, to date, to no avail. This erroneous, inaccurate, unverifiable entry on my reports is violating my consumer rights and has caused me denials for credit. Please see attached documents that reflect my numerous attempts to communicate with this company. 

DELETE THIS ENTRY IMMEDIATELY AND SEND A FULL, UPDATED COPY OF MY CREDIT REPORTS THAT REFLECTS THE AFOREMENTIONED OUTCOME.
Inaccurate reporting of a tradeline to all XXXX CRAs. Refusal to validate debt as required by law. Inaccurately reporting to all XXXX credit bureaus. Have not validated account/inaccuracies between reporting for all XXXX bureaus. Incorrect Account On Credit Report from XXXX XXXX XXXX Credit card account with the account is showing on all XXXX bureaus. They are all also showing different information for activity, status, and history. Payment history on all XXXX agencies XXXX, XXXX, and XXXX do not align. There are multiple charge off dates, as well as dates closed. I have contacted multiple times requesting the history and paperwork for this account and given no details on this account or information that is validating. No contract has been received by me, showing that I opened this account. Creditors are required to report accurate information to all XXXX CRAs, and Portfolio Recovery is not in compliance as required by law.
A recent divorced mother of XXXX was responding to a job listing on the XXXX XXXX. The individual indicated tthat it was an independent contracting position and that my credit card would be required to conclude the employment opportunity. The individual that answered the advertisement indicated that we would have to meet, at the financial institution and that he had a good relationship with the banks in XXXX and XXXX, Georgia. The XXXX XXXX ad provided a XXXX ( XXXX ) XXXX employment line phone number, where there was an automated individual responding to all calls. The individual stated that the company 's name was XXXX. XXXX and they have access to unclaimed government funding, which they need independent contractors to fund these unclaimed monies through their account and send the funds to a corporation. He stated, he would not need any personal information, just the credit card and to meet with the bank lenders. 

As a recent divorced mother and struggling parent, I was excited about the job over the phone and as, what was the next step on the process. He indicated to meet and bring the credit card, therefore, he could meet with the bank officials. Upon, the scammist arrival, he had paperwork to file out and had the company information readily available. He was however, casually dressed, but I said alright perhaps a low grade business casual attire is permittable. However, in the midst of my vulerability, he took the credit cards and the rest was history. All accounts at Wells Fargo of 20 plus years were comprised and closed, but I stated to the bank, that I was the victim of fraud and I was immediately interrogated. Interested, how the tables are turned, but it is imperative that the public is fully aware of scammers taking advantage of hard working citizens and I am fully committed to assisting with the possible incarceration of all individuals that take advantage of any citizen. I am amist and seeking public exposure of the ability to simply post any ad, at random, whether it is the XXXX XXXX and XXXX or the XXXX XXXX. I am seeking restitution and continual public exposure of these prevailing incidents, therefore, no one else is taken advantage of. What should be my next step?
I attended XXXX XXXX XXXX for XXXX. I graduated in XX/XX/XXXX. I am currently XXXX, my term began in XX/XX/XXXX and end XXXX. Part of the deal of being an XXXX is you are entitled to student loan forbearance during your term. I have an account with XXXX XXXX/Navient to which I submitted the standard formal forbearance request/notice to every address I could find and it has been denied. As you may know XXXX make a VERY modest living stipend, just enough to get by and we can not afford to pay our student loans on such an income. The XXXX forbearance is essential to the position and is one of the reason ppl accept such low income for hard work. XXXX XXXX has refused my forbearance despite many attempts. When I spoke with someone on the phone they were very rude and said they 'd never heard of XXXX. How a major student loan company has never heard of XXXX blows my mind and comes across as purposeful. Since that call they have been calling me and my mother XXXX times a day between the hours of XXXX and XXXX and emailing me frequently. The most recent email seemed to posit that the account was now being handled by a collections agency. The account was not in collections before I started my XXXX term and now is because the wo n't accept what I understand to be a mandatory forbearance. PLEASE HELP. I can not afford to pay this loan while in service, doing so would leave me with literally nothing after rent and bills.
I tried to get a free credit report from Trans Union. I received my free credit report from the other 2 major credit reporting companies without issues. When I filled out the on line information which included entering my social security number and credit card information Trans Union said  my account showed an ERROR. I then called on line and got someone that could not speak good English. He/she ask for my social security number. I gave them the last 4 digts along with my name and address. They still could not find me in their system. I ask for a supervisor and was transferred. When I told the supervisor I was recording the call he relied he did not approve of the call being recorded. Why did he object to the call being recorded? They record my conversation? Why do I need to give my full social security number to someone who does not live in the United States and does not have a social security number? Now my FICO score has dropped 23 points since I made this request for a free report from Trans Union. Trans Union needs this brought out over social media?
I thought I was on track with the " help '' of Navient to be in line for the PSLF and that is when I found out that my publicly backed student loans do not count as qualified payments. I needed to convernt my loans to direct loans. My loans were owned by the department of ed and serviced by navient, but that wasn't all that was needed for the PSLF. That seems to be what was best for navient. Also, I spent years struggling to repay and Navient kept pushing me into hardship forbearances instead of even telling me about the income based repayment plans. That would have saved me a lot of fees and interest over the years. 10 years out of school I have a student debt principal about what I borrowed. I would say the train of misinformation began after my XXXX XXXX  in XXXX with forbearances and fee city. In the early XX/XX/2010 's I got setup on IBR after reading about it online and struggling with the company to get me the paperwork. I was never explained about direct loans vs FFEL, which my school pushed me into the FFEL loan program as far as I can tell, no alternatives were explained. I was misled about the PSLF qualifications with my IBR based loans as qualifying even though they are not.
I 'm trying to buy a home. Equifax has not published my credit score. They claim it to be an internal problem. I have been waiting since  XXXX   XXXX ,2017.
I have previously requested Chase not call me on numerous occasions, all of which have been ignored.

I received a call from Chase on Monday, XX/XX/2018 at XXXX XXXX  PST, clearly a violation of the FDCPA. 

See the attached screenshots from my phone, documenting the time they called.