WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/18, I mailed XXXX XXXX XXXX a Validation Request Letter and on XX/XX/18 I received their response which I is a violation of the HIPAA guidelines. 
XXXX XXXX XXXX and XXXX XXXX XXXX have violated the HIPAA guidelines under HIPAA 164.502 by providing specific medical information to XXXX ( a collection agency ) where a collection agency does not qualify as a Business associate per HIPAA 160.103.3.

HIPAA 160.103.3 states : ( 3 ) Business associate includes : ( i ) A Health Information Organization, E-prescribing Gateway, or other person that provides data transmission services with respect to protected health information to a covered entity and that requires access on a routine basis to such protected health information.

( ii ) A person that offers a personal health record to one or more individuals on behalf of a covered entity.

( iii ) A subcontractor that creates, receives, maintains, or transmits protected health information on behalf of the business associate.

Regarding section ( i ), XXXX does not provide data transmission services. Regarding section ( ii ), XXXX is not a person but a company. Regarding section ( iii ), XXXX is a collection agency that might be considered as a subcontractor but I was given no authorization to XXXX to provide XXXX to receive my specific medical information. XXXX provided XXXX with specific medical procedural information of my laps rpr recurrent incisional hernia reducible which is a flagrant violation of HIPAA guidelines. Ive attached documentation that proves that XXXX provided XXXX with information that violates HIPAA guidelines.
A girl from   XXXX   XXXX   XXXX   XXXX   by the name   XXXX   XXXX   approached my friend,  XXXX  on  XXXX  expressing interest in a sublease advertisement she had posted. She offered to pay a deposit amount of {$200.00} and asked for a Bank of America account number. Since my friend does n't have a Bank of America account, she asked if she could use my account to get the money. I agreed and provided my bank account number.  XXXX  ( the scammer ) then pretended to be me and made a false claim to Bank of America that she had deposited {$2000.00}. Bank of America provided a temporary credit of {$2000.00} without verifying the identity of the caller. The scammer then told me that she had deposited {$2000.00} instead of {$200.00} by mistake and asked me to transfer {$1900.00} back. Since I saw {$2000.00} credited to my account, I thought she had transferred the money and I transferred {$1900.00} back. The scammer made several claims the same day but Bank of America did n't raise any alarm or try to contact me on my registered number or email id to verify the claims until two days later. Further, the bank closed my account without providing me any notice when their investigations revealed they were fraudulent claims. I was n't informed about the reasons for the account closure in spite of repeated calls to their claims department. The bank officials were not willing to even talk when I visited the local branch in my town. I 'm also forced to pay the overdraft fees. I 'm being treated as a fraudster whereas I 'm the victim.
While talking with Experian on the phone on XXXX XX/XX/XXXX to get the freeze on my credit lifted. They asked me several questions to verify who I am and I provided all of the correct information ( monthly payments for my mortgage, current balance on my credit card, etc. ). They said the information was incorrect and I had to mail or fax my SSN card. 

However, I found out there was a link online with them to lift the freeze and the questions there were more specific. Examples are : Did you have an auto loan in XX/XX/XXXX? If so, which company was it with? 
Do you apply for a mortgage in XX/XX/XXXX? if so, was it with one of these companies? 

They are asking different questions on the phone which are impossible to answer. I asked the reps I spoke to what timeframe they were asking about for the auto loan and they said " at any point in time ''. But that wasn't the case apparently. 

They are making it impossible to lift freezes on your credit and they are conducting illegal activities by holding my personal information hostage. I must also point out, they were never authorized to hold my personal information to begin with. Experian must be dismantled and shut down in the name of customer protection.
Original CFB Complaint # : XXXX & XXXX On XXXX XXXX 2016, I received notification from the MT AG, whch stated that Stellar Recovery notified them that they contacted the OC and was not able to verify this debt. And that they have ceased all reporting and collection activity. Somoene is lying, because this is listed as a closed case, that is PAST DUE on my CR, which affects my credit. Stellar Recovery needs to properly send a cease and remove letter to ALL CRAS that they reported this debt to IMMEDIATELY! IT DOES NOT BELONG TO ME! Therefore you are aiding in ruining my credit! Remove this NOW! 
Record # : XXXX.
Bank of America seeks to enforce a debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. 

The debt collection is barred by the statute of limitations and enforcement is illegal. 

Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.
Amerihome Mortgage holds the loan on our house. The funds we pay in to the escrow account include money to pay our real estate taxes. We received a delinquent notice and contacted them yet the taxes were not paid. We received a second notice and contacted them again. Again, the taxes were n't paid. We received a third notice and my spouse, who is an attorney drafted a demand letter. The taxes were paid however Amerihome did not pay the penalties that they incurred through their delay.
I am an XXXX service member who recently applied for a home loan. When I received my credit report from my loan officer, I noticed there was a collection account listed from a company called XXXX, XXXX. Reporting date was XX/XX/XXXX saying the original creditor was a company called XXXX with an account open date of XXXX have never done any business with a company called XXXX or XXXX, XXXX so this debt needs to be verified ASAP. I sent XXXX letters, via certified mail to the address listed for NV. XXXX letter was return to sender, and the other, I was never contacted back. XXXX days go by, I still have no information on this debt, however I realized that on my credit report the account number XXXX was the same listed for a XXXX XXXX XXXX account that was listed as charged off w/ a balance of XXXX.Rooms to go acct XXXX is an account of mine, HOWEVER this account IS being paid on and should NOT be listed as charged off. I have been paying on this account through a 3rd party agency called XXXX XXXX. I contacted XXXX XXXX XXXX to get more information, they were not able to provide me with any information or any type of documentation of my debt/account, its status and what they 've done with my account/ and or payments. I was never contacted about a charge off/ and or a hand-off to another company. I made contact with XXXX, XXXX who was very stern with me when I was just trying to get information and to come up with a solution. The clerk on the phone would not provide me with any information about the hand off from XXXX XXXX XXXX to shoppers to now XXXX. I told him that the information being reported was incorrect and that I am currently paying on the account through care XXXX, and have documentation to prove such. He said that even with that documentation it would n't suffice in updating my balance, saying that they have had the account for some time now and it shows no activity. I got off the phone with this clerk because he was rude and overwhelming. I submitted this same statement throught XXXX and received a response of " Please be advised that XXXX ( " XXXX '' ) is the owner of the subject XXXX/TD Bank NA XXXX XXXX XXXX Big Store credit card ( account number ending in XXXX ). Since acquiring the account in XX/XX/XXXX, XXXX has received seven ( 7 ) {$68.00} payments for a total of {$470.00}, with the last payment being made on or about XX/XX/XXXX. Since that time, no payments have been received by XXXX. XXXX respects our military members and, as a courtesy to the consumer, will agree to permanently close the account and cease all collection efforts. " However I am not satisfied with this response because {$1500.00} is still un accounted for. what they are reporting is not accurate and I have proof of XXXX cleared payments of XXXX
I contact ed gm financial and reque sted hardship assistance to defer one payment because I was in the hospital fo r 2 w eeks with no pay I almost died had to have  XXXX    XXXX   a nd gm financial wont as sist they keep saying I do n't qualify for a deferment I do n't understand how I have my car for 14 months and have never missed a payment.
I have written several letters to Bank of America, who is falsely reporting my account : 1. They are falsely reporting that I made {$500.00} payments onXX/XX/XXXX andXX/XX/XXXXto account # XXXX to re-age the account. No payments were made.

2. They are falsely reporting an account number that I never had.

3. They are reporting the date of last payment as XX/XX/XXXX, yet report the date of first delinquency asXX/XX/XXXX, which is false and in an effort to keep negative information on my CR longer.

4. They are falsely reporting that this account meets FCRA requirements in the remarks section. The FCRA does not allow Bank of America to make false statements.

5. In XX/XX/XXXX, they reported the debt through form XXXX using the original account number and a different balance. Balance was incorrect.
I have filed complaints with the BBB on this company. It continues to report an unvalidated account on my credit reports. I have tried calling them but they wont discuss this over the phone. They kept asking for payment. I sent them a debt validation letter certified mail, in response to their initial demand letter but they ignored it and continue to report negative on my credit reports.
I have a department store credit line and for the most part.i bought a lot of faulty items at Walmart.I bought 4 different prepaid phones from various Wal-Mart 's across the USA and all have been absolutely faulty.Walmart has also sold me a black molded Green pepper on the inside, which I have pics and a friend to back up this claim.Walmart is not thoroughly checking all products sold at it's locations.Their customer service lacks also in resolving these disputes which is to suppose to be 1-2 billing cycles and still a year later, a simple dispute has not been resolved for the phones.I was hesitant to get a line of credit here and this proves it.
I was turned down for a mortgage due to information in my XXXX credit report. I have disputed a XXXX account several times, and they refuse to correct the information. They have also locked me out of the website and will not allow me to file a dispute online, nor will they provide me with a free credit report. XXXX will not allow me to access my report online unless I pay for the report using one of their services. The XXXX account XXXX was charged off in XX/XX/XXXX. XXXX is now reporting the account as having been charged off in XX/XX/XXXX. They have illegally re-aged the account. The are also incorrectly reporting the first date of delinquency ( should be XX/XX/XXXX ). Due to this incorrect information, I was turned down for a mortgage. The account needs to be deleted because they have not been able to verify or correct the information and have since illegally re-aged the account which resulted in my inability to obtain a mortgage. I also need to have full access to my credit report. I have attached supporting documentation from a XXXX report and also from a XXXX statement dated XX/XX/XXXX. The dates and balance on the XXXX account as reported by XXXX are all incorrect. I either the entire account to be deleted since they have not been able to verify or report correct information. Their false reporting has damaged my ability to gain credit. XXXX has ignored previous requests and locked me out of the website. 

Thank you.
1. TransUnion is still reporting an incorrect address on my credit report, I have no idea why this address came from.

2. I no longer word at XXXX - this should be deleted.

3. I never worked for XXXX - Please Delete
XXXX XXXX XXXX has incorrectly placed a collections account for XXXX on my credit report. I have never had an account with XXXX go into collections. No attempt to collect a debt was made and no proof that I owe this has been presented. This is fraud as I have had no debt with this company.
In XX/XX/XXXX disputes regarding a collection and requests for validation of a debt were sent to XXXX  that included the following accounts : XXXX/XXXX  XXXX XXXX Acct : XXXX, XXXX. 
An inquiry from XXXX XXXX  on XX/XX/XXXX and names I have never gone by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Several follow up letters by certified letter, more than 10 phone calls and 3 direct uploads to their online disputes system and contact attempts were made well into XXXX of last year. A CFPB complaint was made XX/XX/XXXX about all erroneous reporting. All of the above accounts, inquiry and incorrect name information was removed from my credit file. Upon checking my credit file on XX/XX/XXXX, this information has been erroneously placed back on my credit report with out notice by XXXX, XXXX  and Equifax. In violation of the Fair credit reporting Act. 

In addition, Equifax, XXXX and Equifax continue to report XXXX   XXXX XXXX XXXX XXXX. After receiving information verifying the account had various errors in it's reporting. Another violation of the FCRA.
I purchased a vehicle from XXXX XXXX in XXXX. I traded-in my XXXX XXXX XXXX. 
I owed XXXX on the XXXX to NFCU. The vehicle I purchased a XXXX XXXX was sold to me XXXX. XXXX XXXX gave me XXXX for the XXXX leaving XXXX due on the loan. The dealership had me apply for the loan with NFCU. On the Buyers Order the dealer put N/A in the pay off amount. When asked about the N/A the dealership stated that NFCU required it for loan approval. the dealer It then put a XXXX down payment that they never asked for and I never paid. The balance due on the XXXX was XXXX. When I got the check from NFCU it was for XXXX not enough to pay for the XXXX. The dealership demanded that I pay more XXXX more. I did not have it. They said that they would take the kia back and put me in a XXXX XXXX. They said they spoke with NFCU and it was ok. The XXXX was horrible the door would not open the window would not go down and after two months the brake rotors had to be replaced. I do not know how it passed inspection. It failed when I took it for inspection. 
The XXXX was sold for XXXX. The Buyers Order for the XXXX and XXXX have the same date event though months passed between the two events. 
The buyers Order also have the same mileage for both cars. I could not get title to the XXXX and when I submitted the title for the XXXX to NFCU they said that it would not qualify for the loan that they made. NFCU increased my interest rate to 18 percent for an unsecured loan. NFCU also told me that the the XXXX I originally purchased with its loan was not in my name it was in the name of another servicemember and had two different member loans on it. 
How do you lend money on a car you already have a loan on.
1. Changed CD interest payment dates in the past from 15th to 14th, in order to short change us in the upcoming payment. 

2. Made my husband look like, he owns XXXX XXXX XXXX. 

3. There are two CD maturity dates, CPO 360 insists the wrong date is the right one. 

4. Falsified records and changed the rule whenever they wanted. 

5. My website does n't look like bank website. 

There are a lot more, but I will let my report speaks for itself.
Transunion has investigated a XXXX and XXXX XXXX account and resolved the dispute by putting " consumer disputes '' on my credit report with balances that are collectible. XXXX XXXX nor XXXX have not received payments in over 4 years and the Texas statue of limitations is 4 years. XXXX XXXX showed they received a payment XX/XX/XXXX so why is Transunion still showing the account " in collections '' when that puts the balance out of the statue of limitations in XX/XX/XXXX? XXXX only shows a balance on statements and fails to respond to requests showing when the last payment was received. I have been a Texas resident since XX/XX/XXXX. Even the charged off statements show the account should not be " in collections '' and disputed but charged off with a zero balance.
Problem 1 : I have made several attempts to have XXXX  # 1 remove incorrect information from my credit file, # 2 force XXXX to appropriately report on my file, and # 3 validate debts, and finally # 4 come into XXXX XXXX Compliance with ALL accounts on my credit file. XXXX  always resolves any investigation that I request with " Debt Verified '' or " we verified this account belongs to you '' even if that is not what I am asking them for. I am seeking them to come into compliance. I am uploading one such account where they have given me that explanation AFTER I received a letter from the collection agency that the alleged account was closed in their ( XXXX XXXX ' ) office. How then, could XXXX have possibly verified the account and determined that it was reporting as it should, without removing it from my credit file since the company reporting it stated ( in writing that the account was closed in their office )? Impossible! This leads me to believe that this is the path XXXX has taken on every single dispute that I have submitted to them. I have attached the first 4 pages of the report XXXX sends back to me stating they have verified or validated the accounts. Obviously, this is not true Below is the list of accounts they are not properly reporting through and violating FCRA laws and compliance : XXXX XXXXXXXX acct # XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX I have attempted to attach the copy of the letter the collection agency sent me ( XXXX XXXX ) stating the account is closed in their office ( XXXX sent it back as `` verified '' and refused to remove from my credit file ). Even the account numbers listed are partial and incomplete account numbers. Problem 2 : Trying to get these inaccuracies, incorrectly reporting, and only alleged accounts I have had to file disputes with XXXX. On XX/XX/XXXX I called in to see why was it that my score dropped from XXXX ( dated X/XX/17 ) to XXXX ( dated X/X/17 ) and was told by the following agents that it was because I had filed disputes : XXXX ( agent id # XXXX ), XXXX ( agent id # XXXX ), and supervisor XXXX ( agent id # XXXX ). To my knowledge filing a dispute does n't adversely affect your score. Why is XXXX punishing the consumer ( me ) for trying to make them come into compliance according to FCRA and XXXX XXXX? There were not any new activity that would cause my credit score to drop XXXX pts. I was told that once the investigation was complete my score MIGHT go back up. Since when has decreased scores been allowed to be used to deter consumers from filing disputes? Also, I have uploaded the latest letter that I have sent XXXX ( dated XX/XX/XXXX )  trying to get them to come into XXXX XXXX Compliance with my accounts. I am aware that an investigation takes 30 days however, this is not the first letter that I have sent about XXXX XXXX Compliance to the.
Predatory Lending : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX from XXXXXXXX In XXXX XXXX, my husband and I made a contract with XXXX XXXX XXXX XXXX, when we still live in our current property at the time. The agreement took a turn for the builder and the lender agent requested to open an initial Line of Credit of {$90000.00} ( National City Mortgage ) to secure the purchase and building of our future property. We did so, however this LOC put a lien in the property we were about to sell in XXXX. I am an American Citizen by Naturalization and my XXXX at the time was n't good enough, which was a struggle for me. My husband, a XXXX XXXX XXXX, XXXX for a government agency, and an XXXX man, XXXX XXXX XXXX XXXX, seemed not to understand very well about financial facts. I only signed papers and saw the main picture of everything. We sold our property in XXXX XXXX, for {$480000.00} letting a XXXX for mortgage payoff, the {$90000.00} lien with National City Mortgage, and the commission of the real estate firm XXXX XXXX from XXXX XXXX whom sold the property. In the other hand, the gain from {$480000.00}. The base price of the house was {$500000.00} and we did have some upgrades for hardwood floor since I have XXXX children. It seemed like the amount was going to pay off some of the base amount and reduce the loan in a good way. But not well calculated, and without noticing how inflated the fees were FOR EVERYTHING!!!! XXXX XXXX XXXX land in XXXX County XXXX costed XXXX but it was inflated to XXXX as the initial contract said. All the fees described in the Settlement Statement / XXXX form XXXX with XXXX XXXX and XXXX XXXX from XXXX, XXXX. The fees charged in this document are excessively large from commissions to added NON-SENSE FEES! In top of that, the initial LOC /National City Mortgage decided to merge the LOC with the new price of purchase of {$500000.00} AS A REFINANCING! I am disgusted just to comment this and finally complaint. THE TERMS OF THE LOAN WERE UNFAIR AND ABUSIVE, HIGH INTEREST, XXXX ARMS AND OUR INITIAL LOAN # XXXX, WHICH WAS UNDER XXXX XXXX AND XXXX WAS REMOVED. PLUS, WE NEVER SAW THE PART IN WHICH WE PAID THEM FROM THE SELL OF OUR PROPERTY. WHAT HAPPENED???? THE MONEY WE BROUGHT AFTER SELLING, WE DID N'T GET TO SEE IT. MORE THAN SAD, A NIGHTMARE WE SHOULD HAD NEVER GET INVOLVED IN. WHAT I THINK OF LENDING INSTITUTIONS, REAL ESTATE FIRMS AND TITLE FIRMS? THEY ALL TIED TOGETHER TO HARM CONSUMERS WITH THEIR UNETHICAL BUSINESS PRACTICES. WE TRIED A LOAN MODIFICATION IN XXXX WITH NATIONAL CITY BUT IT FAILED BECAUSE THEY WERE NOT ABOUT HELPING CONSUMERS. WE HAD A CLAUSE IN THE NOTE WITH THE XXXX XXXX. WE TOOK IT AND PAID ONLY INTEREST UNTIL TODAY {$1400.00} WHICH WAS INCREASE EVERY NOW AND THEN.
I am convinced that Navient has been billing me incorrectly ever since they took over my student loans last XXXX. I have been paying my bills on time and this month I receive notice that my payments are past due to the tune of almost {$400.00}, leaving me with a balance of almost {$650.00} for the month of XXXX ( my monthly payments are always approximately {$210.00} ). When I called to find out what happened, they claim there is a glitch in the system and redirect me to another department. After a 30 minute wait, I was connected to a representative that was making excuses that made no sense, claiming they made a mistake and forgot to bill me for XXXX even though the website clearly stated that the past due was from XXXX. Moreover, they have XXXX past due amounts that were different with the same date XXXX XXXX, 2016?!?!? No matter how I tried to explain how this made no sense, he kept making the same excuse.
I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.