WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I received an alert about an account being reported by Midwest Recovery. Please be advised I have requested validation { not verification } of an item reported to XXXX, XXXX and XXXX by Midwest Recovery. I have received a response that clearly violates my rights according to the HIPAA Act of 1996 AND I never received notice how to dispute the debt. Additionally, Midwest Recovery did NOT provide me a HIPPA release for my medical information, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Midwest Recovery should this item not be deleted within the required time allowed by law. Midwest Recovery is in direct violation of HIPAA regulations, and they are facing fines up to {$10000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a removal of the reported information expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
I have duplicate accounts reporting on my credit report. Contacted Navient on numerous occasions to correct the issues. And all I 'm getting is the run around. I went as far as to emailing the XXXX XXXX XXXX. In return he forward my information to a woman from their student advocate department. By the name of XXXX XXXX who lied and gave me nothing but the run around. At this point I 've had it with XXXX and their shady business practices. I have attached email conversation between XXXX XXXX and XXXX. Where you can clearly see her giving me the run around and her making promise that where never kept
Three weeks ago I deposit  ed a check in branch. There was no immediate access to any of the funds ( not even {$100.00} ). The check was not deposited into my account until 7 days later.
No proper reason was given by Citibank.
I file bankruptcy XX/XX/2018 and equitfax, XXXX is still reporting the creditors and past due instead of removing them on my credit report
I graduated in XXXX with my XXXX. and in XXXX with my XXXX. At the time I was working full time, raising a family as I went back to school when I was older. My loan payments were never at a payment that I was able to make, therefore had to do forbearance and deferments. The interest that has accrued made my total to repay {$130000.00}. My family and I live in a XXXX bedroom house because I ca n't afford to move and my credit is horrible because I ca n't afford my XXXX payment.
These accounts are fraudulent, after receiving collections calls I decided to look into my credit report, I would like to have these fraudulent accounts removed from my credit report immediately. 




XXXX XXXX  XXXX  XXXX Status Closed Balance {$2600.00} Type Credit Card Payment Status Late XXXX  XXXX XXXX XXXX XXXX XXXX Status Closed Balance {$4600.00} Type Installment Loan Payment Status Late
I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XX/XX/18. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Therefor they must request that these debts be deleted from all credit reporting agencies. They have also been reporting late payments although this account shows as closed on my credit report. If this violated of the law is not handled appropriately I will report this to the my attorney general, the XXXX XXXX XXXX and then I will file a case at my local small claims court. I have kept a close record of all of this in case I need to move forward with reporting and filing the claim.
Because of the recent data breach at XXXX, I decided today ( XXXX XXXX, 2017 ) to put a freeze on my credit reports. Experian will not allow me to do this over the phone or on their website. They are only allowing people to do it via mail ( probably to limit the amount of freezes ).
According to Tennessee state licensure verification, Midwest Recovery is not licensed to collect in the state of Tennessee. I have requested a wet ink signature, by me, for this debt and verification to collect a debt in the state of Tennessee. Neither have been received. I am requesting removal of this collection from my credit reports so that I can continue my quest of home ownership. Original request for verification was sent certified mail and received XXXX XXXX.
I use to have Capital One mastercard which i closed and paid in full on XXXX XXXX, 2011.
shortly after closing i received another statement with {$1.00} charge, i called to see why and i was told that was computer glitch and promised to be fixed. i have been trying to resolve the issue but Capital One has no record of my account or they claim that is old and no longer on their systems, however they continue to report negative item to credit reporting agencies. As of today despite my efforts and numerous call and letters sent to Capital One, this matter still reflects negative on my credit reports and have been denied and turn down loan because of it. my closed account ends with # XXXX XXXX XXXX
yes get a hold of the XXXX XXXX on this account because this was to be a buy at XXXX for 84 months and the guy tried to pull one on me by putting this as a lease at 48 months at XXXX dollars a month so i lefted the vehicle there a the dealership and i did not want it because he lied to and now it is showing up on my credit report as dedit and i want it off of my credit because they where to throw the lease paper work up and this vehicle was lefted at the dealership and i do not want this new vehicle so get a hold of XXXX XXXX and get this off of my credit thanks you can call me at XXXX
Synchrony Bank purchased the BP Visa Card program and raised my interest rate to over 27 % on outstanding balance and purchases. I called customer service to request some explanation and a lower rate and they said they can do nothing. I am in a position where it is difficult to pay the balance right now, but I seem to be stuck paying a huge portion of my payment each month to interest.
I purchased a sewing machine for my wife and credit was extended by Synchrony Bank. Payments are due on the XXXX of the month beginning XX/XX/XXXX. Payments have been made between the XXXX and XXXX each month. XX/XX/XXXX, the payment was made on the XXXX because of holiday expenses. A late fee was immediately assessed for {$27.00}. The XX/XX/XXXX payment was made on the XXXX without the late fee. On XX/XX/XXXX, I received a notification from Synchrony bank " Payment Not Receved '' and that additional fees had been assessed. The normal payment is {$180.00}. They demanded immediate payment of {$240.00}. I contacted Synchrony Bank Customer Service on XX/XX/XXXX and explained the situation. I do not believe the late fees are appropriate. The customer service rep state that their policy calls for late fee assessments under the circumstances and they will not amend their policy. I advised him that I would submit the full payment requested prior to the next due date. On XX/XX/XXXX, I received a call from Synchrony Bank Debt Collection demanding immediate payment over the phone or else there would be additional fees and credit collection costs. I explained that I had already contacted their customer service and arranged to pay the total amount by the next Due Date. The caller demanded immediate payment over the phone to avoid subsequent fees. I told her they would received their payment by the next Due Date and not to bother me again. I terminated the call.
I found wrong negative information from Discover on my credit report as I have been late on a payment for more than 60 days, when I contacted them I found out this card does not belong to me, it belong to My husband which he never received a statement from them and he paid them when they contacted him and when he learned about what mess they caused me he paid off the balance and closed the account. 
when I contacted them asking them to remove the wrong information from under my name as I do not own this card and these charges do not belong to me they refused stating I am an authorized user on the account I explained I am an authorized user on the account to manage the account and I am not responsible financially on charges do not belong to me, they confirmed i am not responsible financially but under the law they have to report this information under my name I asked them which law they are talking about giving them the right to report wrong information about me while i do not own the card and I did not ever use it they refused to share that law with me. 
I believe this is an abuse of power i Believe they should not report me late on a card not mine for charges does not belong to me
My reverse mortgage loan servicer ( Champion Mortgage ) started foreclosure process on my loan, they claimed I no longer lived in the home. I have lived in the home for 40+ years and have never moved. They did not send me an annual occupancy statement. I immediately let them know that I did live in the home, jumped through multiple hoops, got aid and advice from a HUD advocate and at the end of the day they told me my loan was closed and I had to sign a new loan agreement which only gives me 17 more years. The mortgage I took out was for life, I can not afford to not get monthly payments so I signed the new paperwork. They forced me into this situation and I feel took advantage of me. I have all records and information that I will attach. I do not have email, my friend XXXX XXXX is submitting this with his email XXXXXXXXXXXX. Please confirm receipt to this email and communicate with me via phone.
On XXXX/XXXX/2017 I sent a dispute letter to PRA requesting validation of this debt - including an item bearing my signature. All I received in response on XXXX/XXXX/2017 was XXXX Credit Card statement. I again requested validation on XXXX/XXXX/2017, and again received no further information to validate the debt. On XXXX/XXXX/2017 PRA claimed my request was similar to the first and unless I provided more information no additional response would be given. I sent another detailed letter on XXXX/XXXX/2017 asking several specific questions to validate my debt, and on XXXX/XXXX/17 PRA again responded with a letter that they did not receive the information required and would be terminating the dispute investigation.
I applied for a loan from a company in Kansas XXXX Kansas called Simpli Fast lending for an unsecured loan of XXXX or possibly more. The ad is false misleading because it states that bad credit is no problem and it deceives people into thinking the will get a loan regardless of their credit history.I have filed a complaint to the better business bureau and attorney general in my state but they will take a long time to look into my complaint. The ad states as follows Need Money No Problem Personal Loans Simple Easy Fast Bad Credit. No Problem Approved in minutes. 
Apply online or stop by. 
Open M-F XXXX SimpliFast Lending The loan experience you deserve XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I emailed the company and XXXX answered by email to my response but he did n't come back with a response just yet. I am asking that the amount of the loan that should have been financed to me in addition to all legal claims for false and misleading advertising in additional to all applicable lending laws as well as other damages as well. So I would ask that the company pay me all losses in my settlement as I needed the money for urgent personal matters as I am more than able to pay back the loan with my income requirements as well. I get a va pension of XXXX, social security XXXX of XXXX a month, and about XXXX or more a month working part time at my job which would be more than sufficient to pay back the loan even if my credit was an issue in which the ad states that bad credit is no problem in getting a loan with their company. It is the holidays and I need this matter settled as promptly possible as I intended the money to be also used for holiday shopping as well. Please call me back as soon as you can to settle this matter. 

Sincerely, XXXX XXXX XXXX XXXXXXXXXXXX
I 'm getting nowhere with these CRAs so I 'm complaining against each of them. I keep receiving results stating that these items have been verified but I know for a fact that congress is very clear when they state that the FCRA can not be " interpreted '' and that once I notify them that their results are wrong, they have to go beyond the original source of information, which they have not! I asked to see the documentation that they are using and I never received anything. I also did n't receive the procedures used to verify or investigate. Congress also states that the only way that an account can be verified is by having firsthand knowledge and using XXXX to do their " investigations '' is NOT legal verification. I also have accounts that were previously deleted that were reinserted without notification which is in violation of the FCRA and I did notify them and nothing was done to remove the reinserted accounts. 

Here are my disputes with Equifax : XXXX XXXX I told you that you have the wrong balance on this account and that I do n't owe the amount listed on my credit report. You also have the wrong open date listed and all XXXX bureaus are showing something different, so can you explain to me how you are verifying the open date of this account when they 're all different? 
XXXX XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I 've already told you that the balance listed is n't correct as well as the account type and the status of this account. I do n't have a charged-off or account in collection with this company. 
XXXX XXXX XXXX failed to legally verify, please remove pursuant to section XXXX of the FCRA XXXX XXXX I notified you that this account is unknown to me and you have n't done anything to show me that it actually belongs to me. Using XXXX to " verify '' is not legal verification, when you are just parroting what the creditor says! Where 's the documentation? Prove it or lose it. 
XXXX I told you that this account as not charged-off, which means that the date of last activity is not right and you have the wrong balance. I do n't owe anything on this account XXXX the open date of this account is totally wrong XXXX XXXX You are now in violation of the FCRA, as I already notified you that this account was removed on my XXXX/XXXX/16 report and was reinserted on my XXXX report - report - you did not notify me of this reinsertion pursuant to section XXXX XXXX show me the proof that you have this account listed 100 % accurately. I told you that the account # and balance are wrong and you did n't do anything about it, did you?
I was issued a ticket for not having an inspection by XXXX XXXX, VA. I paid the ticket. NCC keeps calling and harassing me regarding this debt after I disputed the debt and have repeatedly told them that it has been paid ( and I have verified this with XXXX XXXX ). They will not stop, they tell me that I need to provide proof to them that the debt has been paid, I told them to verify with XXXX XXXX, who they are collecting for, that I am not comfortable providing financial information to a company I am not familiar with.
I contacted LVNV in XXXX 2015 about this account. LVNV responded stating that the account and his trade line will be deleted on or before XXXX XXXX. However LVNV continue to report the account. I am attaching the document that LVNV sent to consumer Affairs about the account. However LVNV is still reporting it to the credit report agency
I am very concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this..XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX,
This company has violated the FDCPA rules in numerousity. AmSher violated federal law by making automated phone calls, and calls using an artificial or prerecorded voice, to cell phones without consent. The company has not validated any debt nor followed MA State collection guidelines. Litigation is eminent against the company under XXXX XXXX XXXX, XXXX XXXX for their acts of " Unfair Deceptive Acts and Practices
I filed for student loan forgiveness in  XXXX  and final approval for it was on  XXXX   XXXX ,  XXXX .I got letters from t he U.S. Treasury that  they were going to start taking money out of my  XXXX   XXXX  check in  XXXX    XXXX  . I called and spoke to Navient and  XXXX   XXXX   XXXX  also about it and kept getting the run around. I told both of them that I had letters from them stating all was cleared, kept getting well when  XXXX  sends a letter stating all is forgiving we will stop taking money from you. Then I get hold of  XXXX  and they say the opposite of what Navient told me. So I got money taken out in  XXXX  of this month and again they are taking money out this month.   I called and spoke to a lady at Navient yesterday and was on the phone for over 45 mins and kept getting put on hold. She said one second please and it was more the a second, I hate it when people saids that. So finally she comes back on the phone and said we are updating your information just now and call back tomorrow. Same ole story on hold from  XXXX  and then get yes you were approved and it was just up dated yesterday. There is a process for a refund going on right now, and it will take up to 30 days for th e Dept of Treasu ry to stop taking money once we send it to them. I wish that both of them could get in serious trouble and fined and the people they are  XXXX  gets quadtriple the money back they took. And that they will continue to take money out until then.
I was XXXX and did not know i was being contacted as my phone is off. Once it populated on my report, i contacted the company, they threatened to sue and take legal action against. 

I have paid this debit in full I XX/XX/2019 in the amount of {$2500.00}. 

I would like this removed on all credit reports.
The  XXXX  credit companies that are Experian,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.
This is a billing error dispute for my XXXX XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX  XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX  XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX Every month since XX/XX/XXXX, I sent XXXX XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.
I received my American Express Business card and I called and had my card activated tried to make a purchase via the telephone and was advised that my card was not valid, I called American Express rep and asked if they could verify that my card was active and the customer service agent stated she did various charge test to see what the card limit was, as I was seeking {$45000.00} to do a business purchase. The customer service rep stated she could not help and suggested that I could do a wire from my business account to my American Express Card and then pay for the transaction in that manner. I swiped my card to conduct the business transaction to purchase inventory from my XXXX to put into XXXX and I was told what I did was illegal and they had to cancel both my personal and business cards. I explained to the supervisor and my account rep XXXX, when the transaction did not go through I proceeded to do a test transaction for a lesser amount to see if that was the issue and because I did a test of a lesser amount I am being penalized. As advised from the supervisor that this will report on my credit report as " cancelled '' and she stated that would be a negative rating on my file. I explained to the supervisor that I have worked extremely hard to maintain my credit and any negative marking would damage me doing business and personally. I requested to direct me to the credit card agreement, where it says that I have broken the rules for this card and she said, unfortunately for me because I did perform a test on my card after I tried to do a purchase I was not suppose to do a test at all. They provided no disclosures in the credit card agreement about doing test transactions. I explained it was used in a business merchant account, she said they thought I could be trying to stick {$45000.00} in my personal account.