WillisBack/dataset-financial-user-claim huggingface dataset:
The XXXX Office of XXXX XXXX XXXX ( XXXX ), also known as " XXXX XXXX, XXXX, '' located at XXXX XXXX XXXX XXXX # XXXX, XXXX, IL XXXX, has repeatedly and falsely attempted to collect debts from me, even though they have clearly agreed in writing that the amount in question was paid by the now-defunct insurance company, XXXX XXXX XXXX. I am aware that other patients have had similar false claims submitted to collections by this same office, and I am urging federal and state consumer protection officials to take immediate action to stop this office from pursuing such fraudulent collection actions. 

On XX/XX/XXXX, I visited XXXX XXXX 's office for a XXXX appointment. At that time, I paid a {$20.00} co-pay to XXXX XXXX 's office because the provider was explicitly listed as a " Tier 1 Provider, '' as documented in writing by XXXX XXXX XXXX. 

In XX/XX/XXXX, I was contacted by a collection agency, XXXX XXXX and XXXX XXXX ( XXXX ) claiming that I owed XXXX XXXX XXXX a {$40.00} co-payment. Land of XXXX stated that this was an error and that I did not owe any amount to XXXX XXXX office. A staffer named XXXX XXXX in XXXX XXXX XXXX later confirmed twice in writing, on XX/XX/XXXX and XX/XX/XXXX, that I did not owe any amount to XXXX XXXX office and that the amount was due for reprocessing by XXXX XXXX  XXXX. XXXX also indicated that XXXX XXXX office would immediately remove this inaccurate debt from the collections agency and my credit report. 

In XX/XX/XXXX, I began receiving inaccurate collection notices from a different collection agency, Armor Systems ( XXXX ). I explained to Armor Systems that the collections attempt is in error and that the debt is not owed by me. Armor Systems agreed to contact XXXX XXXX office on my behalf to resolve the matter. However, when I contacted XXXX XXXX office about the same, they responded on XX/XX/XXXX and refused to release the {$40.00} amount from collections. 

This is the third time that XXXX XXXX office has wrongfully filed an inaccurate balance with a collection agency, and because of this, it has had a negative impact on my credit score. ( XXXX XXXX 's office has also incorrectly stated that I visited their office on XX/XX/XXXX, a visit that never occured. ) I am deeply concerned that XXXX XXXX office may be in violation of federal consumer protection laws, such as 15 USC 1692f 807 of the Fair Debt Collections Practices Act. XXXX XXXX office may also be in violation of consumer protection laws in the State of Illinois, such as the Collection Agency Act, 225 ILCS 425/9.7, which empowers the Attorney General of Illinois to enforce fraudulent collection attempts. 

I am urging federal and state consumer protection officials to immediately investigate and resolve this matter, and to investigate and resolve any similar attempts by XXXX XXXX office to collect on fraudulent debts from other patients. 

I have attached evidence documenting the series of events outlined above. I look forward to a prompt resolution of this matter, including the immediate removal of this fraudulent claim from my credit report and from Armor Systems account in my name.
I sent a debt validation to Financial Data Systems, XX/XX/XXXX, requesting debt validation for the medical debts they have listed on my credit reports. On XX/XX/XXXX, I received a letter back with detailed information regarding the medical procedures that were done. I never gave permission for anyone to release medical information to third parties. Therefore, Financial Data Systems having access to these medical records is a very clear HIPAA violation. I then sent another letter on XX/XX/XXXX requesting my signature showing that I gave permission for the release of medical information to Financial Data Systems. However, I never received another response regarding this matter. I have attached the letters received and the follow-up letter I sent that I made a copy of.
XX/XX/2018, I requested all 3 major credit bureaus review and remove XXXXXXXX XXXX XXXX account of my credit report, because of the inaccuracy reported. I came to a settlement agreement with XXXX XXXX 's collection agency. The account being disputed was charged off. I asked for validation of the debt but only received statement with a balance on it. No signed validation, no purchases just a statement of alleged debt. The credit line was XXXX dollars but the debt was more than XXXX dollars. I was contacted by the debt collector and negotiated a settlement for deletion. I Paid over XXXX dollars and the debt collector is no longer honoring our agreement and wants the full alleged amount without proper validation. XXXX solution for my dispute was lower the alleged charge off owed from XXXX to XXXX dollars. Which is still inaccurate as the alleged charge off was XXXX as reported on the other credit bureau ( XXXX and Equifax ). The data across the other credit bureau are not  consistent as required by the Fair Credit Reporting Act. Also the first date of delinquency is not consistent on all the bureau. XXXX completed investigation is not proper just lowering the charge off amount without proof is not a solution but a quick answer to a company taking advantage of a consumer and her rights. You can not just update an original charge off amount without proper validation. Even if the updated charge off was accurate the balance would be wrong as I made more than XXXX dollars in paymen in the last 60 days as reported by your agencies and the balance should be lowered and settled.
To whom it may concern I would like to make this brief. I have contacted Equifax, XXXX, and XXXX on several occasions by certified mail, phone call, fax, and online. It seems to me that this is becoming more of a fairy tale joke to you and no one has responded. I contacted each creditor but no one was able to confirm that the fraudulent accounts and inquiries are mine. They havent not yet provided me with any proof of an original document showing my signature. By law with in the FCRA 609 it must me removed immediately. It has been more than 90 days for this investigation and my results were deleted online and Im sure it was done because I called in to mention that I have record and recorded every call, I made copies of all court documents and I definitely had a run in with you guys a few years back to due to lack of providing proof of evidence on how inaccurate information was placed on my report. It seems that this is the same situation. I am fed up and this will result in a court room. I will allow the judge to make the decision because I have had previous problems with you guys.
On  XXXX   XXXX ,2017, I received a call from a company that did not disclose their name who said that I owed money to a credit card company. They said that if I did not contact them to resolve it, it would affect employment, assets and/or bank accounts. This matter has been resolved through the legitimate company and HSBC Bank and is no longer owed. They told me when I called them that they will see me in court and said I better have proof of my payment. I am worried that they will continue to harass me for this bill. This is the second fraudulent company trying to collect on this bill. I think they are just passing my information around to different people and that worries me. The number they called me from is  XXXX .
XX/XX/XXXX went to chase bank approved from checking started dir. Deposit and ordered atm card. Deposites starting funds. XXXX couldnt assess acct info from phone was suspended Called chase bank said account was closed and is final and cant give an explanation or possible solution to fix the problem to keep acct open. 


Please help
I dispute the validity of this entire debt. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. The XXXX is not bonded in Texas and is acting illegally. They will not send me proof of not being bonded in Texas so I can not send proof to the credit bureaus to remove these charges that I am not liable for. They also will not send me any proof that they have any sort of contract with the hospital that they say I had procedures at.
We purchased our home in XXXX, Illinois and started out with GMAC Mortgage and were bought out by Ocwen Loan Servicing, LLC ( company in XXXX XXXX XXXX, FL ) .We were current on our payments so there was NO reason we should have been given over to Ocwen , who is a debt collection agency instead of a mortgage company. Our payments have gone up considerably on a 30-year fixed loan. Our property taxes and insurance were es-crowed in ; Insurance on the home has stayed the same and property taxes have barely increased over nine years. We have tried to work with Ocwen of why our payments have gone up {$300.00} dollars, thus causing us to not be able to afford our home, but we continue to get the run-around. We started to get behind on payments when this first happened, and even took out a loan against our 401K to catch up payments. Payments were indeed caught up and then Ocwen ONCE AGAIN increased our payment. Sincerely, Very Stressed Out Homeowner
I had been working with SLS or the past two years. While working with SLS I made my monthly house payments on time so that if the loan was not approved I would still maintain my house. My original loan was through XXXX XXXX XXXX. Apparently they sold my house loan to SLS. I had applied for a HARP modification on my home. I have waited almost two years with numerous phone calls and resubmitting documents, rude behavior, and promises. I was finally approved for the Tier II loan and had made the payments as agreed. While in the process of making the payments and paying as agreed with the modification approved my home was sold to XXXX. I was not notified by SLS that they had sold my loan, but they were still accepting my house payments until the loan sold on XXXX/XXXX/2016. XXXX purchased my home and has filed documents for me to vacate my property at XXXX XXXX XXXX. The Bank wants me out of my house. They have already took my property and Deeds of Trust and I have not been notified to vacate by the courts. I did as required, made my payments as agreed and sent in all documents. But for SLS to sell my home from under us is wrong. We were not delinquent. SLS has not been faithful and truthful on their parts, and are very rude, and disrespectful on helping. Each phone call is a different lie, or they ca n't find the documents or never received. I have had to submit documents more than three times on some occasions. I need help on getting my house back. My husband and I are XXXX XXXX. My husband is XXXX and I am XXXX in a few month. We have no place to go, we do not have the funds to hire and attorney, or moving expenses. How can SLS sell our home when we was current in our house payments. Please help us. I can mail or fax documentation copies as requested. I believe we have been removed from our home illegally. There tent to be an on going situation with SLS and XXXX committing fraud on taking homes from people. In the area I live it is called flipping homes and I believe I have been the victim of the scams. Some months I had to pay extra {$300.00} monthly payments above the {$1100.00} house payments. Plus, I had to pay closing cost in the amount of {$650.00}. With HARP Loans I were told you did not pay closing costs. 


I Desire that SLS go back and buy our home back from XXXX and finish our loan with us. We did not breach our contract. SLS sold our loan to XXXX without making them aware they had approved us for a Loan Modification. We want XXXX and SLS to review their documents and give back what we have worked hard for the past 15 years or so.
I was recently paying state farm insurance 's debt collector NATIONAL SERVICE BUREU for an automobile accident which happened 4 years ago. I signed an agreement with them to pay off the debt using MY CHECKING ACCOUNT. They recently contacted me saying they changed the way they process payments due to them being in business with a new payment processor ( not my fault ) and were now required to take payments using a credit/debit card. I was not happy nor did I feel secure giving them that information. Paying with my credit/debit card is not what I originally signed the agreement to use as a method of payment. The rep was rude and threatening me that I was no longer going to receive the payment agreement that was originally proposed by them if I did not issue them my credit card info. He also threatened me saying I would have my license revoked and even hung up on me multiple times. I was never refusing to pay them I simply wanted them to honor the agreement which was originally signed using my original method of payment. Ever since the rep XXXX threatened me and hung up on me I am now refusing to answer his calls or even pay because it is not my fault they broke their own contract and decided to be unprofessional when speaking to me. They have my bank information and I do not feel I need to give them much more than that. It 's been about 18 days since the payment was due and I do not feel I should be responsible for this if they broke their own agreement. I 've already issued them payments to the amount of a little over {$5000.00} to settle an XXXX debt. I keep getting harassed for my card information even after I was hung up on and I also never signed anything that would bind me to give them my CARD INFORMATION only my checking account which was a scheduled {$200.00} to be taken out each month. Since I have not been able to pick up calls due to me being at work during the day they have now started calling my family and leaving messages they have already reached out to my older brothers and left messages on both of their voicemails looking for me. They imply in the message who they are and what they 're after. Will they keep receiving these harassing phone calls? It 's a rep by the name of XXXX which was personally handling my account at the time the original agreement was set up he is very rude and unprofessional with his tone and threatening remarks. When I originally refused to give him my card he made various threats that I was going have my license revoked for something that happened 4 years ago and that I was now going to owe the complete XXXX that was left on the account in full if I did not give him my card information. I do n't feel I 'm being treated fairly here. Just because they broke their own contract with the " method of payment type '' they feel they can jerk me around?
Equifax Has Blocked My Credit Report My Credit Report is in the Equifax cunsomer affairs department i hired XXXX XXXX to handle my credit report i pay them $ XXXX Month Equifax has blocked my credit report from everybody XXXX XXXX, XXXX XXXX, XXXX everybody has told me my credit file has been blocked for 4 weeks now thats a month i paid XXXX XXXX to handle my credit report the have a contract with equifax so why my file is blocked i do n't understand i ca n't see my credit report online no more or nothing my credit report is blocked from everybody.
I refinanced a mortgage loan ( Loan No. XXXX ) with Ditech Financial llc in XXXX 2016. I made my correct monthly payment of {$670.00} on XXXX XXXX, 2016. This payment reflected my previous payment of {$310.00} to cover an escrow shortage as requested in Ditech Escrow Account Disclosure Statement dated XXXX/XXXX/2016. As part of the refinancing process, I received an email from XXXX XXXX at the Originations Operations, located in XXXX, CA, instructing me to submit {$26.00} for an escrow adjustment. I sent that payment on XXXX XXXX, 2016. Ditech for some reason applied {$19.00} of this amount as a late fee. I contacted Ditech ( XXXX in South Dakota ) who said she would correct this transaction. I also notified XXXX XXXX and informed her of this error. XXXX replied to me in an email dated XXXX XXXX, 2016 ( XXXX ) : " For your information, you do not have late fees on your account and {$26.00} was not applied towards late fees, it was applied to your XXXX mortgage payment ... and were applied towards escrow account ''. After this correspondence I also contacted XXXX ( XXXX XXXX, MO ), XXXX ( South Dakota ), and XXXX ( XXXX XXXX, MO ) regarding getting this error corrected. All replied that they would involve their supervisors in correcting this error. I was also advised to contact Ditech via email to further emphasize the need for action. Today ( XXXX XXXX, 2016 ) a letter from Ditech explaining that my payment of {$26.00} was considered " late '' and therefore a late fee of {$19.00} was properly assessed. 

So after all these months Ditech is still unable to correctly understand the issue, nor are they able to correct the inappropriately applied funds. I am frustrated that Ditech personnel appear to be unable to make corrections in their system. Each person I have spoken to agrees that the funds were misapplied, but it appears the customer service reps are located in remote areas and have little or no contact with the main organization.
XXXX company is attempting to collect a debt from me which was paid entirely by the insurance company XXXX and I am only OBLIGATED for CO-PAYMENTS
I have sent XXXX  Communication on behalf of a collections account that is in dispute on XXXX2017. I haven't receive any information on the procedures used to verify the account with XXXX XXXX XXXX.

I have sent them multiple communications and have yet to receive anything from them, however XXXX   seems to have been able to verify this information.

At this point, my rights are being violated and these companies are not adhering to the law as they are still reporting to my credit within providing adequate responses within the designated 30-45 day timeframe.

I am having difficulty with purchasing a home and its a result of these negative items that aren't being properly verify. I understand that I'm one person against a huge organization, however my rights are protected. Something needs to be done immediately.
Lender : J.P Morgan Chase Bank Loan Date : XXXX Account # : XXXX Home Equity and Consumer Lending Division XXXX XXXX XXXX XXXX, OH XXXX Branch Office that Wrote Contract : Chase Bank XXXX XXXX XXXX, MI XXXX My Reason for filing a complaint is due to me XXXX XXXX trying to get copy of the Appraisal ( suspect fraud ) I am in need of the appraisal regarding the contract account listed above. 
I have contacted the Branch Office twice regarding this issue. In return I then received two letters regarding the appraisal, stating they are no longer available. 
I was informed by law all documents are suppost to be available including appraisals. So if I needed copy of appraisal ( as I do ) it would be available. 

Thank you for taking the time to read and review my complaint. You are welcome to contact me any time between Monday - Friday XXXX - XXXX at XXXX Or After XXXX or on Saturday and Sunday at XXXX XXXX also email XXXXXXXXXXXX
My name is XXXX XXXX XXXX. I was approached by a sales representative that attempted to sale me a service packet for XXXX while I was shopping at XXXX 's XXXX in XXXX Ga. I originally was interested and gave him my personal information that he said he needed to find out if service was in my area. I stated to him I did n't want him to make an inquire on my credit, because of the effect it could have on my credit report which I was in the prospect of re-building. He assured me it would n't be entered, he just needed it to call in to his office to get approval. He attempted to call twice and could n't get access on his internet. I then stated to him, maybe that 's a sign, we laughed and I told him I needed to leave and get my shopping done before my wife called to see what 's taking me so long, and maybe I would check back with him, which I did n't. It was clearly understood I did n't want my credit processed. This inquire need to be removed without question. I would n't have never known, if not for my commitment to checking my report twice a year ( XXXX and XXXX ). Thank you for your assistant.
THE RESPONSE ON CFPB ENDING ON XXXX WAS A COMPLETE LIE ON THE PART OF XXXX XXXX. THE CLAIM WAS FILED ON XXXX/XXXX/XXXX ON THE FRAUDELENT TRANSACTIONS AND XXXX XXXX CLOSE THE ACCOUNT ON THE SAME DAY AND HAVE COPY OF THE LETTER THEY SENT ON THE SAME DAY. ON XXXX/XXXX/XXXX THE CLAIM WAS DENIED ON THE NEXT DAY AND STATED THEY WERE GOING TO REVERESE THE XXXX CREDITS OF THE 36 TRANSACTIONS ON XXXX/XXXX/XXXX. ON XXXX ANOTHE RLETTER WAS SENT SAYING THE SAME THING AS THE LETTER DATED XXXX/XXXX/XXXX AND STATNG THE THE ACCOUNT WAS CLOSE ON XXXX. 
1-LETTER ACCOUNT WAS CLOSED ON XXXX/XXXX/XXXX DUE TO FRAUDELENT ACTIVITY TEMPORARY CREDIT IF ACCOUNT CLAIM IS FOUND VALID. 
XXXX XXXX/XXXX/XXXX CLAIM RESOLVED AND ATM CARD ENDING ON XXXX. WILL REVERSE THE CREDITS BY XXXX/XXXX/XXXX XXXX LETTER DATED XXXX/XXXX/XXXX SAME AS # 2 CLAIM RESOLVE AND REVERSE CREDIT WILL BE DONE XXXX LETTER ON XXXX/XXXX/XXXX STATING THE ACCOUNT WAS FOUND THAT ALL FRAUDELENT WAS WAS IN FACT ILLEGAL AND THE CREDITS WERE PERMANENT. HOWEVER THAT NEVER HAPPEN. 
THIS ACCOUNT WAS CLOSE XXXX XXXX/XXXX/XXXX BY XXXX BANK DUE TOFRAUDELENT ACTIVITY. THE RESPONSE ON CFPB STATED THE ACCOUNT WAS CLOSE ON XXXX/XXXX/XXXX AND THAT WAS A LIE VERY SIMPLE ON XXXX ON THE ACCOUNT THAT WAS CLOSE ON XXXX/XXXX/XXXX BANK SHOWS THAT THERE WERE CASH XXXX CASH WITH DRAWL S ( SE STATEMENT ) ON FOR XXXX ON XXXX/XXXX/XXXX AND ANOTHER ON XXXX/XXXX/XXXX FOR XXXX AND ANOTHER FOR XXXX WHO DID THIS WAS NOT ME IT WAS XXXX XXXX XXXX. AND IS ALSO OTHER FRAUDELENT ACTIVITY BY WHOM EVER
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP REPORTING IMMEDIATELY! Furthermore just for the record as per  73 Am Jur, 2nd, Section 90 AR Resource  has no right to " subrogate ''  (  substitute ) yourselves into a contract, whether it is by purchase, assignment, transfer, or trade. If  AR Resource  " bought '' the debt, AR  Resource  did it on their own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction ''  (  voluntary payee ). AR Resource clearly violates  HIPAA, if AR Resource  refuses to delete all information you have furnished to any and all credit bureaus, and AR  Resource  must destroy any information about any alleged account they claim to have with me, to prevent your company from pursuing any more collection activity against me, and if A R Resource s hould sell, assign, transfer or trade the alleged account to some other entity to attempt collection, I will also file a formal complaint to the Departme nt of Health and Human Services and the  Office of Civil Rights against AR  Resource..
I had a health provider who filed a claim with my insurance company, who in return paid for a percentage of the original bill. The Explanation of Benefits from my Health insurance company showed that I was covered 100 % for the bill, and that I did not owe any amount to the provider. However, the health provider still sent me a bill for the balance of the original total, less the amount paid by the insurance company. The Health provider subsequently sent the debt to a collection agency, who immediately reported it to the credit agencies, XXXX XXXX and XXXX. I have since written letters to both the Health provider and the collection company explaining to them why I do not owe any amount for this bill, and provided them with a copy of my EOB from the insurance company. I have not received a response from either the Health Provider, or the collection agency.
While attempting to pay a loan for {$300.00}, from an online lending agency. Every payday I am charged {$80.00} with nothing going to the principle of the loan, I have been getting charged for 4 months, and the amount I owe is {$290.00}, from {$300.00} loan. The employees of the agency are hard to understand when asking for information due to a language barrier. Unfair Billing Practices.