WillisBack/dataset-financial-user-claim huggingface dataset:
American Express offered my minor son, XXXX, a Credit Card. I 've complained once before and they promised to stop ... but obviously they lied and are n't keeping their promise. They must stop now.
On or around  XXXX / XXXX /   17 I was reviewing my credit report and I discovered several HIPPA ACT violations breach of third party  confidentiality. I have never done business with these companies listed. I have never signed a contract or entered into any verbal or written contracts with the following companies  1.   XXXX   XXXX   XXXX    XXXX    XXXX   HIPPA Act viola ted please delete.   2. XXXX   XXXX   XXXX   XXXX  This account has never been validated please delete.   3. XXXX   XXXX    XXXX    XXXX   HIPPA Act violation please d elete.    4.   XXXX   XXXX   XXXX    XXXX  5. XXXX   XXXX   XXXX  #  XXXX   HIPPA ACT  violation please delete.
I have tried several times to get information removed from my report that was a result of identity theft. XXXX and XXXX have both abided by the laws outlined in rule 605B established by congress to help people in my situation. This verification was submitted over 2 weeks ago. As the provision clearly states all information must be blocked in 5 business days. This is willful disregard for both the law and the customer.

REMOVE OR I WILL FILE SUIT WITHIN 1 WEEK. I WILL ASK FOR DAMAGES SURPASSING {>= $1,000,000}. THIS IS ABSOLUTE AND BLATANT DISREGARD FOR MY FINANCIAL WELL BEING AND SO ON.
I requested the Note on the account I had been making payments on since 2012. A promissory note was sent to me by Nelnet with my name and personal information but the address is not mine. I think I have been a victim of identity thef and making payments on account that is not mine.
A tornado hit my house, and caused damage. I dealt with the claim through the insurance, and after a number of weeks, had resolved the amount and was going to hire my contractor to repair the work. The mortgage company caught wind, and refused to allow payment from the insurance until I satisfied their documentation demands, which I did. I called to ask why they needed all of the information they were requesting, and they rudely told me it was their money and I had to do whatever they said. I sent the insurance check to them via USPS tracking to be endorsed. They apparently sent the fully endorsed check through standard mail with absolutely no interest in verification or tracking and told me via email that if I wanted security I should have paid for it myself ahead of time, and that it was not their problem if the check was lost or stolen, that I could just deal with the insurance company if that happened.
I applied for a XXXX XXXX credit account and they said bankruptcy was taken into account. That bankruptcy was discharged XXXX XXXX XXXX. Even though it was discharged it is still being held against me on my XXXX report.
Consumer received a 'dunning ' letter from Signature Performance Tiburon LLC , XXXX XXXX XXXX, XXXX NE XXXX dated XXXX XXXX 2015. XXXX responded to the letter by sending back a dispute letter 'certified ' return receipt ( # : XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015. SIGNATURE PERFORMANCE TIBURON LLC, is denying consumer due process of 'written ' notification within the XXXX ( XXXX ) day timeline allotted consumer under the Fair Debt Collection Practices Act ( " FDCPA '' ) by not picking up the letter from the post office in a timely manner. Consumer has tracked the letter which is still waiting to be picked up from a XXXX Post Office. Consumer has added all 'written ' and tracking verification to this complaint to prove consumer 's position in this matter. By not accepting consumer 's dispute letter, consumer is being denied 'due process ' under federal and state law regarding debt collection practices and the FDCPA, FCRA and FTC XXXX Consumer is making this complaint to your agency as a form of administrative process that will verify consumer 's position in this matter should it be necessary for consumer to pursue a civil lawsuit. Consumer will have proof of consumer 's concern as reported to the Consumer Financial Protection Bureau ( CFPB ). Thank you for providing this venue as documentation. It is greatly appreciated.!
Approx the end of XX/XX/2015My car had service under a warranty at a dealership in which XXXX XXXX XXXX took the agreement and rented me my loaner vehicle until mine was serviced taking a credit card deposit and my CA DL. Soon after I had received a call from XXXX saying it isnt covered and if I dont turn in the vehicle its being reported as stolen. I returned vehicle and received the bill of {$800.00}. Which in turn was submitted back n forth with no one claiming responsibility and now its been on my credit. I have already exhausted all other methods.
XXXX XXXX was notified of a reinvestigation into my credit report due to an error on the part of XXXX. 

I discovered this when I called XXXX to verify they had no other fraudulent accounts under my SSN at the advise of the FTC. During that call I was advised by XXXX that they closed my XXXX XXXX store card due to this re-investigation. When I inquired into having my card re-issued I was told that not only were they NOT going to re-issue my card, I would not be able to open another XXXX XXXX account until my balance was paid in full. I have had this same card since 2008 and had a perfect payment history over the 10 years my account was open. Finding this COMPLETELY unacceptable, I closed all active XXXX accounts in good standing. 

Over the weekend I received an alert on my credit from XXXX. When I opened it, this XXXX XXXX acct shows on my credit as " Closed BY Grantor ''. I want this fixed IMMEDIATELY as that reason for closing my account has a negative impact on my credit score.
XXXX XXXX XXXX, my mother refinanced her house through Bank of America in XXXX, XXXX. She was XXXX years old. They gave her a 30yr mortgage. After she refinanced, she said XXXX if anything happens to me the house will be paid off. Three months later she passed away. I went to Bank of America with her death certificate and will and gave to XXXX XXXX. She assured me it would be forwarded to the Mortgage Dept, and if there was insurance it would be applied. I never heard from Bank of America. I faxed those documents 4 times and hand delivered them to XXXX 3 times. The property was left to me and they acted like I did n't exist and because of privacy they could n't discuss it with me. I hired XXXX XXXX to represent me. Bank of America on 3 different court dates had no paperwork that my mother signed. On the 4th court date, they had no paperwork but my attorney said you have to go bankrupt to keep the house. I went bankrupt, paying XXXX a month, but eventually the payments went up over XXXX a month and I could n't afford it. Bank of America sold mortgage to XXXX ( supposedly ). I was evicted, and Bank of America sold my house to a man for XXXX. They never gave me a chance. My bankruptcy Case Number is XXXX. It was filed XXXX/XXXX/XXXX. This matter has given my XXXX. I do n't think it 's right that they kept the bankruptcy payments, never acted like property was mine or would work with me even though deed was in my name. This was predatory lending. I spent a lot of money on lawyers and bankruptcy and expected at least bankruptcy payment back.
XX/XX/XXXX, I contacted Wells Fargo about a mortgage modification. Being proactive because my financial situation was changing. They sent me documentation to fill out and this was done by me in a timely fashion. Wells Fargo confirmed that all documentation required was done by me until they denied the modification XX/XX/XXXX because something they did n't ask for was not completed. Month after month the same documents were sent, then I got representation because of the stress this process was taking on me. Finally in XX/XX/XXXX I sent an email to Wells Fargo board of directors and then all of a sudden my modification was approved XX/XX/XXXX. Then XX/XX/XXXX, Wells Fargo sends me a letter trying to cover the fact that they contacted me during the cease and desist period which I dispute in writing. Wells Fargo also purposely dragged out the process of the modification urging a short sell and in the process have given themselves XXXX sitting in a corner of profit at my expense. The desired solution ; explanation of how my request for a modification rewards Wells Fargo a profit of XXXX. And to make others aware of Wells Fargo way of business.
I requested a sign contract with my signature verifying the amount owed.and for what i owed {$110.00} the FCRA law require the Notification be available. this is my second attemp I ask that information be available within seven days that i may veiw the information if not available remove the information from my consumers file and stop reporting false information.
This company is reporting an account and after two attempts to get details on the account, they have yet to respond. What they send is nothing but a statement. I am asking to see more information about this debt such as the proving the statue of limitations has not expired, a break down of all monies owed and documentation that I agreed to pay what they say I owe.
On XX/XX/XXXX, we submitted an ACH payment to MOHELA for the remaining accrued interest balance on my loans, which they service. It was processed by our bank on that date. 

However, due to the payment address on MOHELA 's site not being clear, they cashed the payment but sent it to the wrong address. This delay allowed additional interest to accrue on the account after the date upon which the total interest balance was to have been paid off. 

Both my wife and I spent extensive time on the phone with MOHELA, and were assured that the problem would be rectified. Upon our last phone conversation, a manager told us that it had been fixed, and that the payment would be applied to the interest balance, as we 'd specified. 

Today, XX/XX/XXXX, I received a call from MOHELA for an unrelated issue ( they ca n't get our mailing address correct ). Out of curiosity, I asked the representative to confirm that the interest payment had been applied to my account as it was supposed to have been. It turns out it had n't. They applied part of the payment to the interest balance, and part to principle, allowing additional interest to accrue on the unpaid interest balance. 

This is clearly intentional profiteering. Both my wife and I had repeatedly told and been assured by MOHELA representatives that our payment would be properly applied, which would have paid off any accrued interest balance. By improperly applying our payment ( and lying to us about it ), MOHELA is attempting to profit by charging us interest on a balance that was to have been paid in full nearly a month ago. 

Yes, I could have caught this earlier by checking their website, but frankly, that should n't be my problem. They made an accounting error, and we spent a great deal of time getting it worked out with them. My wife and I should n't be expected to babysit the company further, checking their website constantly to insure that they simply do what they were supposed to have done with our money. 

Supposedly this is to be resolved " sometime this week '' according to the representative I spoke to today. I was not given any kind of date, and was told that I have to just keep checking the website to see if the problem has been fixed. At this point, I have no faith whatsoever it will be corrected. 

Unconscionable, and sadly, seemingly unpunishable.
My student loans were in repayment status from XX/XX/XXXX through XX/XX/XXXX.  I made payments during this timeframe, however, I was told that the payment did not qualify for PSLF because they were in deferment.  This is not accurate.  My student loans were also in repayment status from XX/XX/XXXX through XX/XX/XXXX.  I made payments during this timeframe.  I was told that the payments did not qualify for PSLF because the loan status was deferment. This is not accurate.
eqyuifax customer service would not help and take care of the negative inquiries reporting to my credit report XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX   XX/XX/XXXXXXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXXXXXX XXXX
Fay Servicing cancelled the debt on a secondary ( charged off ) mortgage they ( presumably ) acquired from XXXX ( Originally written by XXXX ). Now I am trying to sell the property, and they are refusing to acknowledge they ever held the loan, despite having filed the cancellation of debt XXXX with the IRS. I have called, emailed, sent certified letters and my congressman even called them. I am completely at a loss as to how to proceed, with all the other involved companies out of business.
I attended XXXX XXXX XXXX for the XX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around lateXX/XX/XXXX I began receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unnoficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unnoficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the Registrar, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently noone was notified that my hold was released.
I have been trying for months now to obtain a copy of the original contract between XXXX XXXX XXXX XXXX and their client XXXX XXXX prior to my wage garnishment. XXXX only provided a copy of a statement dated XX/XX/2018 from XXXX XXXX, which is not the contract. XXXX has be bouncing around this request for months now, and I demand the request immediately.
On XXXX XXXX 2015 a complaint was lodged with your agency in regards to misrepresentation of a debt I dispute and do not owe. Signature Performance Tiburon LLC was notified in Case Number : XXXX that I do not owe a debt to XXXX XXXX XXXX and that I am a Social Security recipient who is 'judgment ' proof. Signature Performance Tiburon LLC, acknowledged my request for 'cease ' communication in a response notice # : XXXX and assured me they would no longer 'harass ' me in regards to the disputed debt. On XXXX XXXX 2015 I received the same formatted letter from Signature Performance Tiburon, LLC dated XXXX XXXX 2015 referencing the same entity XXXX XXXX XXXX claiming a balance of {$20.00} dollars. Signature Performance Tiburon, LLC has left me no choice but to provide the Nebraska Attorney General 's Consumer Protection Division documentation of verification that they would no longer contact me or bother me about this issue as documented in CFPB Case Number : XXXX. Due to the response by Signature Performance Tiburon, LLC verifying their promise to leave me alone, I will be able to access monetary damages and pursue legal action against them as I will be able to prove an administrative process related to the case. Signature Performance Tiburon, LLC was sent a 'certified return receipt ' letter in reference to this matter as well. I have the actual receipt and proof of notice. It appears Signature Performance Tiburon, LLC does not believe I will pursue my civil legal rights to peaceful enjoyment of my home and phone. I can assure you I mean what I say as I have built a dossier against Signature Performance ( and XXXX XXXX XXXX ) as proof positive documentation ( and evidence ) to solidify my mission. Again, thank you CFPB for being a venue of valid documentation and evidentiary venue.
On Friday, XXXX/XXXX/XXXX at XXXX XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for XXXX XXXX XXXX informed me that her client was Castle Payday Loans ( now Big Picture Loan XXXX ). I owed {$2000.00} account # XXXX. 
I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. 
On Monday, XXXX/XXXX/XXXX at XXXX XXXX I contacted Castle Payday Loans ( now Big Picture Loan ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, Castle Payday Loan still had my account on record. 
I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. 
I left a voice message on XXXX XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX AM PST. 
I female representative for XXXX called my cellphone from a Restricted # at XXXX AM PST on Monday, XXXX/XXXX/XXXX. 
She informed me that my account was turned over ( I suspect sold ) to XXXX XXXX Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. 
I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. 
Is n't there some kind of legislation/statue/law against this type of business practice? 
Please, investigate and advise me? I do n't what to be scammed.
I logged into PayPal to pay a fee and they enrolled me in a payPal Credit account without my permission! And they used my old name which has not been used in years ( XXXX XXXX ).
When contacted by Carmen V. Porreca P.C. on XXXX XXXX, 2016, my husband who is an authorized third party was advised not to send in a letter disputing the charges when he stated I wanted to dispute it. He was advised if we wanted to dispute the charges we should allow for the charges to go to court and wait to be served by a sheriff. I never received any notice or anything advising I have the right to dispute the debt. 
When contacted by XXXX from Carmen V. Porreca P.C. on XXXX XXXX, 2016 I told her that I had received letters from law firms advising my check was to be garnished to due this debt. She told me that it was not true and that it 's just what they do as they are like ambulance chasers. She said I am worrying for nothing. As the call progressed she refused to let me speak to a supervisor and when asked if calls are recorded she stated '' Yes and they will see how mean you are ''. When I still pressed for her supervisor she hung up. I called back and she answered. After continuing to ask for her supervisor 's information she finally gave the name of XXXX XXXX and advised she was not sure when she would came in but she would call me when she does. No call was ever received. I told her I would like the bills and I will try to look into them with an attorney she advised it would not matter it wo n't stop them from collecting.
Chase Bank decided to close my XXXX XXXX card and XXXX  card on XX/XX/XXXX of XXXX. I did not receive any warning or consultation for this closure. I have made regular payments to the cards and was never delinquent. I called their customer service number and would not tell me why the account was closed. I was told to wait for a letter. A few weeks later I received the letter. The letter had a phone number for any questions. I called it and got the same blanket statements that I received from customer service initially. They proceeded to tell me that I could write or fax a concern and the executive office would respond. That simply hasn't happened. 

In early XXXX of XXXX, I applied for the XXXX card that Chase offered. I was approved and receive my card. However, a week or two later I received a letter stating that the card account was closed by Chase. I called the number on the letter and was not offered answers or even explanations. I was advised again to write a letter or send a fax. These actions by Chase have caused me to suffer harm to my credit and put into question my good name.
Upon investigation, XXXX contacted me with information stating that the debt was sold to a financial firm, Sherman Financial ( XXXX ), and that the balanced in 2010 was {$2000.00}. They also stated that there was never a judgement placed against me for the debt and to contact the firm. When I called SF,  they proceeded to tell me that though the bought the debt, it was being handled by XXXX XXXX and Associates ( XXXX ). When I told them that I was never served and the amount expected was way beyond what was due, they stated that I probably was n't served and should contact the law firm. When I spoke to an associate for the firm, he stated that I should refer my call elsewhere or see them in court despite knowing that they never served me in order to have this judgement placed against me.The only one who has given me an accurate account of the alleged debt figures was XXXX and I 'm under the impression that I have been a victim of fraud by these firms in this matter.
I 've filed a complaint against JP Morgan Chase Bank # XXXX. As of XXXX XXXX, there has NOT been a resolution of my brothers ' asset. We have XXXX CD, XXXX with XXXX. Chase has NOT honored these CD 's. The branch offices were unable to process these accounts. After his death, in XXXX XXXX, there were XXXX Investment accounts totaling {$49000.00}. As the Executor of the Estate, I requested to consolidate and cash in these accounts. I was told they could only find XXXX account for {$24000.00}. ( where 's the other {$24000.00} account ) They have the DEATH & the Appointment of EXECUTOR certificate on record. They have removed my named from a CD in XXXX XXXX. The branch office CAN NOT, HAVE NOT helped with these Asset information. " XXXX '' or " In Trust For '' funds are n't estate funds. Who is keeping their records?
I applied for an FHA loan with Supreme Lending ( XXXX XXXX XXXX XXXX Supreme Lending XXXX XXXX XXXX, XXXX XXXX, XXXX, TX - NMLS # XXXX ). At the end of XXXX XX/XX/2018, the pending offer on the home was terminated and the loan officer withdrew the loan on that basis. After the loan officer switches companies, I received a notice from Supreme Lending that my credit application was denied rather than withdrew. I want to be sure this false denial of the application doesn't show up negatively on my credit report.
I notice from from my Experian credit file 2 inquiries that I don't recognize, I did contact them in writing but, nothing has been done. Those inquiries are from XXXX and XXXX.
I signed up for a hom furniture card with G e Capitol i have been making the month payments as stated on my statement and through the automated system. I was now advise today that my balance went up over XXXX due to finance charges and will continue to accrue XXXX each month