WillisBack/dataset-financial-user-claim huggingface dataset:
I HAVE SOME MEDICAL BILLS ON MY CREDIT REPORT, BUT THIS COMPANY IS VIOLATING HIPAA LAW. 

IM REQUESTING TRANSUNION TO REMOVE COLLECTIONS AS THEY VIOLATED HIPAA LAW. 

PLEASE BE ADVISED THAT UNDER FEDERAL STATUTES, THE FAIR CREDIT REPORTING ACT, ( 15J U.S.C. 1681 ET SEQ ) AND CALIFORNIAS CONSUMER CREDIT STATUTES, AND SUBTITLE D OF THE ARRA, SEC.13401. APLLICATION OF SECURTIY PROVISIONS AN DPENALTIES TO BUINESS ASSOCIATES OF COVERED ENTITIES, AND DEC. 134407 ( 1 ) BREACH OF SECURTY. 

THE TERM " BREACH OF SECURTIY '' MEANS WITH RESPECT TO UNSECURED PHR IDENTIFIABLE HEALTH IMFORMATION OF AN IDIVIDUAL IN A PERSONAL HEALTH RECORD, ACQUISTION OF SUCH INFORMATION WITHOUT THE AUHORIZTION OF THE INDIVDUAL YOU MANY BE HELD LIABLE FOR THE ACTIONS OF XXXX XXXX.
On XX/XX/2016 I called Wells Fargo who has my mortgage that I would like to change my payment to weekly instead of every first of the month. I informed the CSR on the telephone that this should be effective for the month of XX/XX/2016 so we agreed that {$910.00} be taken out on XX/XX/2016, then XXXX starting XX/XX/2016 and every XXXX after that date. I was surprised when I checked my Wells Fargo home mortgage account on XX/XX/2016 that I was charge a late fee of {$18.00}. I immediately called the Wells Fargo Home Mortgage and inquired from them about the situation. I do n't understand why I should be charged a late fee when there was already an agreement that I pay weekly. I was told that there was a late charge because the payment was taken after XX/XX/2016 The CSR I spoke to blamed miscommunication and stated that {$18.00} will be waived. Today XX/XX/2016 this late fee is still in my account. I am worried because I checked my Wells Fargo Mortgage account and there states total amount due to make a loan current of {$18.00}. They have already taken my weekly payment of {$450.00} on XX/XX/2016 and XX/XX/2016. I want for them to straighten out their accounting on my mortgage please. I do n't want for them to keep on charging me {$18.00} in late fee when I am not late. An agreement for a weekly pay was reached on XX/XX/2016. I did not call Wells Fargo after XX/XX/2016 because I am too upset to talk to their CSR and will just put this under the rug for miscommunication. I was already assured on my call last XX/XX/2016 that this late fee will not charged to me and that there will be no future {$18.00} late fee that will be assessed since I have set-up a weekly account. 
Please help. 

Respectfully, XXXX, CA XXXX XXXX Wells Fargo MTGE Acct XXXX
XXXX XXXX XXXX is reporting negative on my consumer reports with Experian and XXXX. I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The last certified letter I sent them was a 5-day reinsertion letter dated XX/XX/2017, because they removed the account, but later XXXX and Experian put it back on my report driving my score down. XXXX and Experian sent me a report stating that the accounts were verified. XXXX do not have any reporting they just have the account as a bad debt. Experian has the account reporting as a bankruptcy account. I have spoken to the company and had them send me the release of lien for the property again ; which I am attaching to this complaint. I am still the owner of this property. Experian and XXXX did not follow the requirements relating to reinsertion of previously deleted material. I received no such notification, this is a serious violation of the FCRA, and I demand that the account be deleted immediately from my credit report.
I am getting calls from number that says it is XXXX XXXX in XXXX. ( XXXX ) XXXX multiple times a week. If answered get rude people saying they are from Portfolio Recovery. Very deceptive and demanding of information.
ally financial called me i tried to explain i am filing bankruptcy i gave the name of the attorney didnt have his number the agent was rude and harrassing refused to transfer me to a manager. 

told them i was calling cfpb got off the phone with them and they continued to call back
Select Portfolio Servicing is the company that has my mortgage. I purchased this home in XX/XX/2005 as a sole borrower. I experienced job loss, death, and illness and fell behind in my mortgage. During the entire time SPS turned me down when I reached out for assistance. While I was unemployed and asking for assistance I was told there was nothing that could be done by them to provide assistance to because I was not working. When I became employed and reached out for assistance in regard to the mortgage being delinquent I was advised that they only had programs to assist unemployed borrowers. After getting married and asking for assistance with my spouse with our joined income over XXXX SPS advised that my spouse and I did not have enough income to be able to afford a modification, and work out plan. I was rescued through XXXX XXXX XXXX and they provided a XXXX payment to SPS and my mortgage was reinstated. After the mortgage was reinstated and applying again for assistance with a rate reduction alone with only my income of XXXX per year SPS stated that I can afford this mortgage and that there was no available options. I was quoted a reinstatement amount of XXXX in XX/XX/XXXX that would bring the mortgage current in XX/XX/XXXX. On XX/XX/XXXX SPS received a XXXX check from XXXX XXXX XXXX  on my behalf and I would begin making payments in XX/XX/XXXX with a current mortgage. This has turned out to not be accurate because SPS is quoting on the mortgage statement that I owe {$1600.00} in other charges. I speak with SPS often and this amount was never mentioned and I am unsure of where it is coming from. I will attach the last two mortgage statements for your review. In previous complaints filled by me on SPS I have accused them of racial discrimination and with the last statement I am assuming it to be fraud.
I have told XXXX XXXX ( letter ) to please have his people not to contact me about my car payments, when they are not due to no avail. their computer system, will make it look like you are months, behind, when your payment, has passed the due date and their computer system has not processed the payment, that you have made.I have also to XXXX that my telephone system will not accept ROBO CALLS ... to no avail and they continue to contact me via ROBO CALLS.
I have a foreclosure sale date set for XXXX XXXX and I feel that I have not been given a fair chance to resolve this matter with Chase. I bought my home with a rural development loan that is part of the USDA. I have a good job and had the means to make my monthly payment until I was injured and then had a major health scare and missed a couple of months of work. I fell behind but immediately began working to resolve this matter. After several months Chase put me into a forbearance agreement which required a down payment of {$5000.00} to get caught up on taxes and then a double monthly payment of {$3000.00}. I made the down payment and even though the {$3000.00} a month was half of my monthly income I made it the first couple of months. In month three I was a few days late with the payment but when I called in Chase refused to accept it. They kicked me out of the plan and have refused to deal with me since. I ca n't believe that after I had cured the majority of my late payments that the fact I was a week late with a payment means I lose my house. I know that there are other programs for USDA loans or internal programs at Chase that I could be considered for and I feel it is outrageous that they turn their back on me. I am a single father and live here with my two sons, ages XXXX and XXXX. I have a good job and have worked doing XXXX XXXX XXXX XXXX XXXX XXXX for 23 years so the monthly payment was easy to handle until I got hurt on the job. 

A couple of years ago I broke my foot and was in a cast for a month which led to blood clots -- this made its way into my XXXX and I was forced to take blood thinner and could not work for a couple of months. I did not have a lot of money put away for a rainy day and soon fell behind on this loan. As soon as I was back on my feet I began reaching out to Chase to try and resolve the late payments. After months of back and forth I was approved for a forbearance agreement as explained. This was tough to afford but I made this for the first two months. In month three I was going to be a week late on this payment and called in to discuss with the agents at Chase -- however they told me that they would not accept my payment if it was even ONE DAY late, even though I was making a double payment on the mortgage. Since that time I have tried to get back on track with Chase, but their agents have not given me the time of day. 

I believe that USDA loans have specific policies and procedures relating to delinquent payments that Chase is supposed to follow, as well as allowing access to internal programs. None of this has happened, Chase has denied access to these options and is turning a situation where I was one week late into sorry, game over, we are foreclosing. This can be avoided, because I have the means to afford a fair payment. Why is Chase refusing to negotiate, open a review, assign a point of contact or trying to work something out?? This is a bad situation and I wanted to make your agency aware of this. Instead of trying to fix this matter, Chase is trying to auction off the property. Please intervene and work with me to resolve this matter.
I had a credit card with XXXX and filed Chapter XXXX Bankruptcy which was discharged in XX/XX/XXXX. However, some creditors were left off and an Amended Schedule and Certificate was filed by my attorney in XX/XX/XXXX. XXXX was included and notified. 

In XX/XX/XXXX they sold the debt to Midland Funding which has refused to acknowledge the debt was settled in bankruptcy. I have given them the documents three times and spoke to them on the phone. One Midland Funding employee told me the bankruptcy document needed to have Midland Funding on it. That is complete stupidity. 

They have reported it to all XXXX credit bureaus and keep verifying it so that it ca n't be removed because they bought it in XX/XX/XXXX. XXXX should have never sold it to them. This company is in violation of the US Bankruptcy laws and FRCA. I have reported them to the Kentucky Attorney General 's office. 

If it ca n't be resolved then my next step is legal action against them.
On XX/XX/XXXXI attempted to make a rent payment using my Google Wallet account. The transaction was cancelled. When I reached out to Google customer support, they informed me that the card issuing bank had cancelled the transaction. I called XXXX XXXX, the card issuer, and they stated that the transaction had posted to my account and they did not cancel the transaction. I then contacted Google support again and relayed the information the bank had given me. Google then stated that they flagged my account as risky and cancelled the payment. Further, they reviewed my account and unflagged it. At this point I asked if the transaction would go through and Google support stated no that it was cancelled. I then asked for a refund and was told that usually refunds are instant, though sometimes can take 10 business days. I asked if there was an issue returning the money and the support response was " In an ongoing effort to protect customers and Google from fraud during transactions, our Risk specialist team reviews all transactions coming through Google 's payments service ''. I then asked for the names and ID 's of the specialists involved as I plan on filing a complaint and was told that information was not available. Google support has stated that " Rest assured that your money is safe with us. It 's a process based decision to keep the account on temporary hold when they find any risk issues involved. '' but has refused to release my money or push the transaction through even though my account had been assessed to not be a risk. Google has refused to release any names or ID 's for the specialist team. The risk assessment seems arbitrary and without warning.
Received a letter from a credit collector and the debt does not belong to me, I never opened the account
On XXXX XXXX, 2017, I disputed a collection account ( XXXX XXXX  ) with Equifax to no avail. Despite the fact that Equifax received information that the debt was disputed and XXXX XXXX  failed to validate the debt in accordance with 15 U.S. Code 1692g, Equifax failed to delete the account off of my credit report. In fact, Equifax failed to even acknowledge my dispute.
XXXX XXXX is selling prepaid gift cards that are not able to be used at merchants. They are supposed to be good at any merchant that takes XXXX XXXX, and the transactions are always declined no matter what amount the transaction is for. I believe the transaction decline is by design to deliberately make it difficult for customers to use their gift cards.
In XXXX of XXXX I returned Toyota Camry for end of lease. Prior to lease i had an inspection which determined tail light crack and damage to tire. i had both of these replaced prior to return. In early XXXX toyota billed me for damages to car. i called, submitted my proofs and was told this matter was resolved and had assumed it was. now almost two years later Toyota submitted my account to a collection agency XXXX XXXX, XXXX. This matter was resolved almost two years ago and i consider this harassing.. it is very apparent that they prey on consumers after they expect their records to be long gone. the collection agency has no fax and does not provide a prepaid postage to respond. another harrassing feature.
XXXX 's client XXXX XXXX is a victim of identity theft. His information was used without his consent to apply for a cash advance loan with XXXX   XXXX. The loan was obtained on or around XX/XX/XXXX, the amount of the loan is {$3500.00} dollars. An official dispute of this loan was faxed to XXXX  XXXX by this office XX/XX/XXXX. Rise contact my client XX/XX/XXXX stating no police report was sent to the concerning the dispute of the loan. This office then faxed again to XXXX  XXXX the complete official dispute documents XX/XX/XXXX. Then XX/XX/XXXX my client stated '' XXXX XXXX '' from XXXX  XXXX ( his  phone number XXXX ext XXXX ) stated the fax was never received and the dispute was never made. My client then faxed his dispute documents himself to XXXX  XXXX and it was confirmed the dispute was received. 
As of this date XXXX XXXX has not confirmed the status of the investigation of the fraudulent account and the status of the dispute. This action is a violation of the FCRA since their action has gone beyond the 45 business day dispute time frame from the first fax of the dispute received XX/XX/XXXX and again XX/XX/XXXX.
Frequent and excessive calls to my place of employment without identification of whom they are and to what the issue of business this is specifically pertaining to. Research on google has identified this as Convergent Outsourcing Inc, debt collection agency that uses fraud and/or illegal tactics to collect personal information for an alleged " debt '' owed.
I have been in contact with Navient for months to get a better payment I can afford. Then send me a list of options, I choose XXXX and started paying. Seems simple to me. But yet they do n't change it in their system, so my payments are n't enough to cover the amount dues, then they tack on fees and etc. To me this is bordering on fraud.
On my XXXX report I have 11 Hard Inquires including the XXXX credit cards still open from HSBC bank, but not used because it is transferred to my new HSBC credit card. Also, those XXXX cards are still there when I check my bank account statement. Additionally, all those 11 hard inquires is because of fraud. Please, if there is any way to delete or clear the 11 Hard Inquires on my credit report when it was based on fraud claims through the years. Transactions that I did not make causing my credit to be very low and can not apply for other credit cards or increase my limit.
This company has been leaving me voicemails treating to sue and have criminal charges brought against me. 

They are trying to collect on debt that i received a XXXX from, which is also against the law.
After the account was settled in full per the settlement agreement dated XXXX XXXX, 2016, the attorney offices representing the creditor failed to file an Acknowledgment of Satisfaction of Judgment with the court. This non action on their part is causing hardship and additional expenses. This office is non-responsive most of the time or provides untruthful information : it was communicated that an Acknowledgment of Satisfaction of Judgment will be filed with the Court within 30 days ; it 's been 90+ days since they cashed the check.
CFPB, this is the third time I am having to submit this complaint against Ditech/Green Tree. My second attempt to file a complaint against this unethical mortgage/collection company, was verbally taken by one of your CFPB representatives. I made it specifically clear to him in XXXX of XXXX, that my second complaint was to clearly dispute Ditech/Green Tree 's unacceptable reply to my original complaint filed through you, CFPB, in XXXX of XXXX. 

The corrupt unethical business practices that Ditech/Green Tree conducted against me, as well as thousands of homeowners, has been well documented for years - subsequently with a class action lawsuit against them that was settled. I am definitely involved with the abusive, unethical business practices that they conducted against us, the homeowners. I began having issues with Ditech/Green Tree around XXXX when they purposely stopped taking my payments ( claiming never to receive them ), illegally added late fines, stopped taking my phone calls when I repeatedly filed for a home modification, repeatedly endured unethical unprofessional-ism by most of their representatives with XXXX XXXX making a completely insensitive comment regarding my XXXX father, repeated lies of not receiving my paperwork, etc. etc. All of this ... all of their unethical business practices caused me great personal damage! Aside from demanding all of the late fines they implemented to my loan, I want compensation for all of their abuse! I am owed financial compensation! Their reply to my first submitted complaint was a generic reply ; stating that they had worked with me in trying to give me a modification. Lies! They purposely conducted their unethical business practices, THAT FORCED ME TO FIGHT FOR MY HOME. They subsequently sold my loan to another mortgage/collection company - XXXX XXXX XXXX XXXX XXXX to get out from under my complaints against them! 

I want and am legally owed significant compensation for their blatant unethical business practices conducted against me - as well as all of the personal injury ( financial, health, personal issues ) factors that I had to endure. RETURN MY MONEY YOU ILLEGALLY ADDED TO MY LOAN BECAUSE YOU PRACTICED UNETHICAL BUSINESS PRACTICES! 

XXXX XXXX
Debt collector ( XXXX XXXX ) first contacted me about a debt that he said I owed, I told him that I don't owe that debt I paid the person ..He basically dismissed me and said how do want to pay ..i said don't contact me anymore since you aren't willing to prove the debt. He has contacted me, my jobs HR dept, my supervisor has stated that it has become a interruption of work. Communication has made to stop all forms of contact but he continues to contact with mail, phone and employer contact. Once he even stated that he could use me if I didn't pay. Has been verbally aggressive on the phone at one point yelling out " HOW ARE YOU GON NA PAY CREDIT OR CASH, CREDIT OR CASH, CREDIT OR CASH ... .THATS ALL I WANT TO HEAR. ''
XXXX   has reported that I have a store credit card with them and it just hit my credit reports. I do not have a   XXXX   card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.
Online Information Services , Inc. violated the Fair Debt Collection Practices Act, Fair Credit Reporting Act, North Carolina Collection Agency Act, and other applicable state statutes.
XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXX XXXX I XXXX I am trying to submit a disputes on this accounts because accounts not related to me, but Experian said accounts was verified and not accept any disputes on this accounts, supporting documents was sent to experian but they are rejected to dispute this accounts anymore
I was recently online looking to get more information on health credit and i believe they handled my information wrong and used my information as if i were to apply for a company titled XXXX / National Cred Cards Airlines and I don't seem to recognize it.the only time I used my information to ( not apply for  a health credit card was when I was on the XXXX XXXX website ( for the health credit ) to apply for more information. I am fairly new to building my credit and I notice it hit a hard inquiry on my account and brought down my score. Unfortunately I have no memory of apply for a credit line with XXXX ( XXXX XXXX ) I do recall going on their website and applying for more information regarding pricing. All I'm asking is for this inquiry to be removed because I'm trying to build my credit and I understand its a learning process but I do not understand why they didn't notify me it will affect my credit if I were to apply anyways. Which in my case I think they handled my information wrong & I would like to be forgiven for the recent score it dropped on my account.
On XX/XX/XXXX i receive my direct deposit as always, And on the very next day XX/XX/XXXX my money was gone. I call amex customer services to file a claim on a transaction for the full amount of my paycheck of {$1200.00} dollars after few days they reply on a piece of email saying that the transaction was authorized therefore my account is no eligible for a refund aparently someone login in to my account and schedule a transfer to their own account.
Early XXXX 2008 talked with XXXX XXXX at Wells Fargo Bank XXXX XXXX, XXXX NE and gave a debit card deposit of {$490.00} to " Lock in the rates ''. A few days later we told him we were going wit another bank and asked for a refund. The refund was denied as it was to be for appraisal and credit report, of which neither was done. 
We are retired and live on social security and can not afford to loose the {$400.00}. We believe Wells Fargo deceived into thinking the deposit was to " Lock In The Rate '' for a period of time, as XXXX XXXX said, " The rates are fluctuating every day. ''
I was a few days late paying XXXX and explained to th customer service personal that I would pay a few days after the due date and the customer service person expressed that t was late and did n't care and was gone nag to report it any ways. Now my credit score is in the toilet because of one instance.
I have been pa ying {$360.00} a month for nearly 16 years ( roughly {$70000.00} ). My original principal in   XXXX   was {$23000.00}. Why is this loan not paid off three tim  es over?!! Navient say s its a 7 % interest student loan, but only 50 % of my payment is applied to the principle balance. I 've done the math over and over, I have an auto loan at 7 % and 85 % of my payment goes to principle. What kind of math are they using? This loan should have been paid off years ago. They are thieves! They wo n't give me any explanation ... they just show me where I signed their contract and they give me payment history, but never say why my loan balance is not decreasing at a 7 % rate. I 'm refusing to pay any more. Maybe they 'll talk to me if I do n't pay.