WillisBack/dataset-financial-user-claim huggingface dataset:
Re : Notice of Intent to Sue / Health Insurance Portability & Accountability Act Violation Validation Letter sent to : Capio Partners To Whom It May Concern, Please be advised that I have requested validation { not verification } of an item ( or of the accounts ) reported to you by the above { XXXX XXXX XXXX XXXX }. I have received a response that clearly violates my rights according to HIPAA. { XXXX XXXX XXXX XXXX } did NOT provide me with a HIPAA Release Form, to authorize the use or disclosure of my protected health information ( PHI ). 

Therefore, by providing you such information they are in serious violation of the HIPAA Privacy Rule. Furthermore, your agency has aided and abetted your customer by your negligence and disregard of your reporting responsibilities as a credit reporting agency, pursuant to FCRA 604 ( g ) ( 1 ) ( C ) and FCRA 605 ( a ) ( 6 ) ). I am proceeding with legal action as prescribed by law against the above named { XXXX XXXX XXXX } and will name you in the lawsuit if you do not immediately delete the listed item ( s ) due to the privacy violations.

You are also required by the FCRA to receive written certification of the information furnished to you prior to you assembling and reporting such information. If you can not provide proof that you received the original or a certified copy of a HIPAA Release Form signed by me, clearly delineating my consent to release my ( PHI ) then you must cease from reporting this unlawful entry.

I will seek every legal remedy available to me and file suit against the credit bureau for the continued aiding and abetting of your customers actions for commercial gain by the continued reporting of my protected information, preceding your receipt of this notice. You are clearly benefiting monetarily by reporting this account on behalf of your customer. I urge you to take this matter seriously, as I have documented my case without error. I encourage a response from you expeditiously in the form of an updated credit report showing that you have ceased and desisted your illegal reporting of the listed accounts, pursuant to the Fair Credit Reporting Act.
I use coinbase as my cryptocurrency exchange and wallet. I enabled 2 factor authentication on my account as they prompted when signing in. I ended up losing my phone and got a replacement. 2 factor authentication is associated with the lost phone. I can not transfer it to my new phone without first verifying on the phone that is lost. I do not have the seeding information to restore. This leads to bigger issues. I have a limit on the amount of transactions unless verified with 2 factor authentication. I can not log in once the code expires due to the inability to verify a new code because I no longer have the original phone. I contacted support on XXXX XXXX 2017 and I have not received a reply. I contacted support via XXXX @ coinbase support and have not received a response. They do not offer phone support and all support online is automated. There is no number you can call. They literally have been ignoring other member for months without them hearing from support. At this point I feel as though they have a significant portion of my life savings locked into their platform. I literally can not get the courtesy and assurance of a response from coinbase support. I also can not access the helpdesk ticket or request page due to XXXX. Please HELP!
hello, i made a mistake. Instead asking money with paypal i sent it. 
He does n't want give money back.
XXXX has failed on complying with the CFPB rules on : Early Intervention ( 12 CFR 1024.39 ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin XXXX servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. XXXX waited for one full year before contacting me about the loan even though I sent a CFPB complaint to XXXX within weeks of the transfer notice.
I viewed my credit report a year ago and noticed a collection account for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in collections with Solomon and Solomon PC collections law firm. Once I noticed the account I contacted the agency and explained I was a victim of XXXX XXXX and fled the apartment to get away from my XXXX. The account was in my name however I supplied the collection company with a copy of my new lease proving I did not reside at the apartment at the time and a letter from my XXXX XXXX XXXX. I was told to contact the XXXX company and file an appeal which I did and I was redirected to the collection agency. At this time I attempted to negotiate with Solomon and Solomon regarding the {$2100.00} debt and they stated they would have to charged me XXXX and there would be no further negotiation. I recontacted the electric company and was redirected back to the collection agency. I then contacted the Public Service Commissioner 's Office however since the account is no longer with the electric company they can not assist.
Market feel in XXXX ; rate with Caliber is and now XXXX XXXX ; payments rising so apparently I have an adjustable rate loan that I was not aware of. Caliber has done nothing to assist me at all. 
Now Caliber is pursuing me in the courts
My ID was stolen 2012. Used for medical stuff I do not know or recognize. I have disputed to all XXXX credit bureaus, but it has not been taken off my credit report yet. Please help!
CFPB Case # XXXXAddtl information : Herein is a copy of a reply from the same Executive Office after I wrote to the CEO of Discover ; XXXX XXXX detailing what was done to me by Discover and its agents and requesting to waive receipt, dated XXXX XXXX, 2015 signed by a XXXX XXXX of the same " Executive Office of Customer Advocacy ''.
I spoke to a representative of the company. He stated that my payment would be processed at XXXX the following morning. He also stated that the payment could be reversed if necessary. After speaking to my financial advisor I learned that this action would adversely affect my credit score. I later called the company back and the representative stated that the payment could be stopped and my credit report unchanged. He late called back and admitted the misrepresentation. He did offer an apology but basically stated he lied about everything else.
My mortgage terms require monthly payments as of the first of the month, but allows a grace period without penalty through the XXXX of the month. For 12 years I have generally made payments no later than the XXXX of the month. In the last 3 months, CitiMortgage has used auto dialers which call between XXXX times a day leaving empty voicemails every time starting on the XXXX of the month until 2 days after my payment has posted. The calls start at XXXX and continue until XXXX
I dont know who this company is they are mailing me letters and calling me on my cell i dont know who they are
In 2017 we fell behind on our mortgage due to unexpected expenses and a slight reduction in income. We tried to get caught up and began making regular monthly payments of {$1400.00} ( almost {$150.00} extra each month ) in XX/XX/XXXX through our online bill payment through XXXX. We were 3 payments behind, but almost had enough in the unapplied ( XXXX ) to make up 1 full mortgage payment, then we would be under 90 days. I even spoke to customer service in XX/XX/XXXX and they explained as long as we did not go more than 90 days that was fine. We made our XX/XX/XXXX payment which would have brought us current for XX/XX/XXXX, but LoanCare returned this payment and told me they would only accept a full 3 months to get caught up! I was almost there now they do this!
I had been applying for a home loan, and my lender told me that my credit report showed two credit card accounts with XXXX XXXX, one of which had outstanding payments due since XX/XX/XXXX. I only have one account with XXXX XXXX, so I called XXXX XXXX about the error on XX/XX/XXXX. On that date, I spoke with XXXX, employee XXXX who determined that XXXX XXXX likely opened a duplicate account as both my current, real account and the improper account had the same application date and parameters. XXXX promised to have this information corrected with all three credit bureaus and to send me a letter confirming the same so I could share with my lending bank. An entire MONTH later, I had received no confirmation or return from XXXX XXXX. I called again and spoke to XXXX employee # XXXX who told me that the first agent had never filed the proper paperwork to remove the erroneous account from my credit history with the credit bureaus. She ensured me that she would file the dispute and all necessary paperwork and fax me a letter saying the same. By XX/XX/XXXX, I still had not received a letter or any confirmation or update so I called XXXX XXXX again. This time, I spoke with XXXX employee # XXXX who stated that she could not provide a status update on my account and would have to investigate further. After 5 weeks of delay and XXXX XXXX not correcting its error, I am left with no option but to seek assistance from the CFBP.
My daughter had chosen to attend the XXXX. In one day, we attended an informational meeting and were steered directly to the financial aid department. Without much information, we stupidly signed papers so that she could attend the school of her dreams. It has turned out to be a nightmare. We took out a Parent Plus loan at that time and after graduation, she has made payments. Then, life got in the way ... she got married and has XXXX children. Like everyone else, she finds that child care is too expensive so she has cut her hours down to accommodate her husband 's work schedule. This payment continues to balloon. At one point, she was paying approx. {$300.00}. In XXXX 2017, the payment will be almost {$600.00}. She can not afford this. I am only able to help with a small bit of help. Is there any way to refinance this beast? 

Thank you. 
XXXX XXXX
I attended and graduated from University XXXX XXXX in XXXX, Florida. I have a private student loan from PNC serviced by XXXX. In XX/XX/XXXX I contacted XXXX to find out how I can lower my monthly payment due to my low income. After several attempts with different representatives I was finally transferred to a gentleman named XXXX in the financial department of XXXX. He instructed me to fax over a written statement and supporting documents. The documents included a recent pay stub, copy of my XX/XX/XXXX tax XXXX, as well as income sensitive repayment request form. I faxed over everything as instructed. After 4 week I still had no feedback. I continued to make some kind of payment each month. I resent my paperwork again in XX/XX/XXXX and XX/XX/XXXX. Still no response. In an attempt to make a better yearly income, I went back to school to changed my profession. While in school I requested deferment of my payments. No response. In XX/XX/XXXX I received a letter from Attorney at law XXXX, XXXX, and XXXX debt collector. I faxed them back in XX/XX/XXXX That I had been making some kind of payment and that I had filed income sensitive repayment request to XXXX. I heard nothing back from them till XX/XX/XXXX they started leaving messages on the answering machine. I have no idea what has happened. I just was requesting a lower monthly payment so I can stay on top of paying off my loans. XXXX monthly payments {$470.00} a month, my yearly income {$16000.00} per year. I do n't know where to turn. I continue to request lower monthly payments till I can get my career on track. I take my state XXXX exam in XX/XX/XXXX.
XXXX XXXX, XXXX Consumer Financial Protection Bureau Mortgage payment assistance/Consumer Complaints RE : - incorrect mortgage principal balance and interest overpayment Dear Sir/Madam, Our mortgage principal balance is substantially incorrect. 
It is incorrect to approximately {$160000.00} over stated. 

We purchased our home in XXXX XXXX for {$160000.00}. We put {$27000.00} down payment. 
We have been paying on the mortgage for over 26 years. 
The principal balance on XXXX XXXX, XXXX was {$110000.00}. 
The current statement as of XXXX XXXX, XXXX shows our principal balance is {$250000.00}. 

The problem starts in XXXX XXXX, our mortgage was transferred to Ohio Savings in XXXX without our knowledge or approval. 
On the first mortgage statement that we received from Ohio savings on XXXX XXXX, XXXX the principal balance was {$280000.00} exactly. 
There is no honest reason the principle balance went from {$110000.00} in XXXX XXXX to exactly {$280000.00} in XXXX XXXX. 
We are aware of the mortgage scandal during these years and believe we are victims of this scandal. This is residue from that scandal and could be a rising class action problem to emerge. 
XXXX XXXX XXXX sold our mortgage to Ohio Savings for {$280000.00} or the person handling our transfer entered the wrong principal balance when setting up our account. 

On XXXX XXXX, XXXX I alerted a customer service rep at CitiMortgage by phone about this issue. They recommended that I to fax the paperwork to XXXX Research Department. I followed their instructions of faxing the paperwork that I have to XXXX Research department on XXXX XXXX, XXXX. I have not heard back from them regarding this issue. 
I am aware of the law that states the loan servicer is required to acknowledge my request within 20 days and XXXX has violated those rules. 
On XXXX XXXX, XXXX ( one week later ) I received an email from XXXX stating that our account is being transferred to another lender. The lender is XXXX XXXX XXXX. 

We have been overcharged and have been paying overcharges on our mortgage for over 12 years. 
According to my calculations our mortgage principal should be approximately {$54000.00}. 
And we have overpaid {$90000.00} in interest over the past 12 years. 
I am requesting your assistance in settling our mortgage overcharges/overpayments.
On  XXXX / XXXX /  XXXX  , I received an ema il from Chase Debit Card Fraud Prevention alerting me to 2 fraudulent charges on my debit card that  were made in the city of  XXXX  on the same day  ( one  for {$66.00} at  XXXX   XXXX   XXXX , the other for {$870.00} a t Best Buy  ). I calle d Chase , as directed in the email, to let them know that these were not my charges. Not only have I not been to  XXXX  in  5+  years, I also have never physically used my debit card, as any examination of my account will sho w ( m y husband is also on the account, and we only use the account to make auto-payments ).     While the {$66.00} was reversed, I am still in a dispute with  Chase about the {$870.00} charge to this day. I have been on numerous calls with supervisors in their claims department and have even conference-called the manager  at the Best Buy with a  Chase claims supervisor to try to resolve the issue. In total, between my husband and I, we have likely spent 10 hours on this disaster. Furthermore, Chase  has promised a minimum of 3 times to call me back to update me on the matter, and they never do. We just get letters saying that they are not reversing the disputed charges, despite promises of updating me.   
How could it be that they would reverse one c  harge and not the other, when they were made in the same city on the same day within hours of each other. Not to mention I called to let them know that these were not my charges! And have repeatedly called back to check on the fraud status. Also, again, as any examination of my account will show, I have never physically used the card previously. And yet I ca n't get anyone at  Chase to  help me.     The amount of time we have spent on this issue is absolutely unacceptable. It 's as if the consumer has no rights, and we are just to accept this fraudulent charge sitting down. How can that be? How can a bank as large  as Chase do   this? I am hoping filing this complaint will help me resolve the issue, so I do n't have to spend another minute fighting this ridiculous fraud and this joke of a claims department.
I am having discover credit card for years now. 
During last 3 months - I am facing very strange issue. Any time when I am using my work laptop to access Discover card account and use the Discover deals - Discover thinks that I am accessing my account outside of USA which is incorrect. I am very much in XXXX XXXX. No other website is thinking that i am outside of USA. 
Even " XXXX XXXX XXXX '' states that my IP Address : XXXX Due to the above and certain other issues - I am not sure whether I will be getting 5 % cash back on XXXX deal that i placed the order using my Discover card. I have been following up with Discover but not getting any serious response from them. 

Another issue - Secure message center does n't allow sending the attachments otherwise Discover customer service can see all the screen shots Infact this wrong location of Customer is impacting other Discover customers also that I am aware of. My wife and my friend also. But discover is simply in the denial mode. I had recently relocated from XXXX XXXX to XXXX XXXX  during XX/XX/2017
On or about XX/XX/2017 ; I obtained a copy of my personal credit report from the 3 major credit bureaus ( XXXX, XXXX and XXXX ). I noticed an entry from a company named XXXX XXXX that is incorrect. Research revelaed that the organization falls under the umbrella of Colony Brands , Inc ; a  conglomerate of mail order companies. Knowing that this account is not mine, on XX/XX/XXXX, I sent a letter certified mail requesting VALIDATION of this debt with any proof bearing my signature. This is the burden of proof set forth by the Fair Credit Reporting Act ( FCRA ). 

I have requested that this organization produce any documentation to include an application for credit or any type of contract that bears my signature to VALIDATE this debt. They continually refuse to provide this information, yet this organization has sent me a copy of a bill, that does not meet the burden of proof according to an opinion letter issued by FTC Commissioner XXXX that is attached to this complaint. 

On or about XX/XX/XXXX, I again sent correspondence via certified mail requesting VALIDATION of this debt ; requesting that the organization provide me with copies of ANY documentation that bears my signature. They have failed to provide any VALIDATION whatsoever that the account is my responsibility, yet they continue to incorrectly report this debt on my personal credit reports. 

Additionally, this organization is in violation of Section 392.101 of the Texas Finance Code ; which states that debt collectors engaging in debt collection in the State of  Texas must obtain a surety bond and have this information on file with the Texas Office of the Secretary of State. This requirement applies to third party debt collectors as well as companies attempting to collect thier own debts. I would say that reporting negative information to ones credit bureau file is an attempt to collect a debt. 

In conclusion, this organization has not met the burden of proof and VALIDATED that the account in question actually belongs to me and is my responsibility. They have provided no proof of account ownership that bears my signature. This is a direct violation of the FCRA that requires this VALIDATION for an organization to continue to report negative items on my credit bureau file.
I am a victim of fraud. I have reported to all the credit bureaus and several companies.
I have fraudulent credit inquiries that I did not apply for appearing on my credit report that I did not apply for. I have contacted Capital One Bank and XXXX XXXX XXXX to have these removed and was told they are not able to locate me in there system since I do n't have an account with them. The credit bureaus have n't been any help either.
I have a loan with XXXX XXXX and US BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  XXXX XXXX and US BANK with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
A collections agency, I believe it is FAMS, has relentlessly called my mother-in-law leaving messages for her relaying that they are attempting to locate me and collect on my student loans.Yes, they have said that I owed student loans and they were a collections agency seeking to speak to me about those said loans. Sometimes they call two to three times a day and have on occasion called, left a message, and then immediately called back. My mother-in-law was never used as a reference for my private student loans, though my now late-father-in-law was. FAMS has not supplied any written documentation to provide that I owe anything to them or if I do that they own the debt.