WillisBack/dataset-financial-user-claim huggingface dataset:
To Whom It May Concern : I received an alert about an account being reported by XXXX XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX, XXXX and Experian by XXXX XXXX. 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, XXXX XXXX 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 XXXX XXXX should this item not be deleted within the required time allowed by law. XXXX XXXX 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.
On XX/XX/XXXX via my XXXX card I purchased an external hard drive for {$76.00}. I was supposed to receive the item on XX/XX/XXXX. I did not receive the item. I called XXXX customer service and XXXX XXXX via email. They both told me to wait till XX/XX/XXXX for a response and they never responded. I requested a refund for the item- and have not been refunded.
ID FOR COMPLAINT SENT TO TRANSUNION XXXX File a previous complaint with this company and those issues were not resolved. I called in and spoke with two different representatives who stated that they were in a foreign country and they handle all disputes the same. I'm not trying to get over on anyone or deny any wrong doing on my behalf, but my Transunion credit report has several errors still and disputing for almost a year. I've contacted and had success with the only two major credit reporting agencies. I've submitted all the documents pertaining to my case and every time i was ignored or it came back verified. Please look into this, i will attach proof of cooperation from the other bureaus as well as letters that i sent in to Transunion before.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas
I recently applied on XXXX/XXXX/2015 for the NBA BBVA Compass Bank XXXX XXXX Card for my love of basketball and received the card 7 business days and a mailing of my credit score and bureau information from XXXX. 3 days later on XXXX/XXXX/2015 when I tried to use it at a grocery store it was denied. I called customer service and they told me it was suspended and no other information was available. I was to wait for a call back on Monday morning XXXX/XXXX/2015. I called on XXXX/XXXX/2015 and had the very same customer service rep who told me he had no information and the account remains suspended an no information. I asked for my issue to be escalated and I received a call back and was told on XXXX/XXXX/2015 ( I saved the voice mail ) they needed to verify my identity and to stop in a branch. There are no branches in NJ. No information was received in the mail or phone call about the suspension - nothing. I called back on XXXX/XXXX/2015 and told them I was visiting family in AZ and they would note the account that I would would go to a BBVA Compass Bank for ID verification. Yesterday on XXXX/XXXX/2015 I spent over XXXX hours in a BBVA branch at XXXX XXXX XXXX XXXX XXXX. AZ with my ID ( Drivers License and Passport ) and I met with the Teller, Personal Banker who tried to resolve this. The staff put me in an office and wait for service on the telephone. As of today - XXXX/XXXX/2015 my problem is not resolved. The Personal Banker XXXX XXXX called me at XXXX on Saturday and said he will continue to work on it Monday morning XXXX/XXXX/2015. He made copies of all my ID information. I met all the criteria, provided the information and NO ONE cares at BBVA Compass Bank to resolve this issue. I have now worked with XXXX different people and no one can seem to resolve this mess. 
My Desired Resolution : I want to have the NBA XXXX XXXX Card that was approved for me. I have NO IDEA why after XXXX DIFFERENT PEOPLE and XXXX hours in a branch that my case can not be resolved. This is by far the WORST customer service and communication I have seen EVER! Please help me. No one should be going through the same problem. I have also filed a complaint with the XXXX. 
XXXX XXXX
XXXX XXXX XXXX {$430.00} Collections/Charge-off ... False and quite inaccurate ... this account was indeed settled ... yet you will not remove it ... litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible, thank you.
I was on a forbearance due to the XXXX XXXX and I noticed the loan grew, when I asked why someone was suppose to call me back but never did.  XX/XX/XXXX.  I went back to school in XX/XX/XXXX and I see another loan for XXXX more dollars.  I asked to consolidate my loans because, I make less money now and was denied.  I got a bill due for this month but I can not get anyone to address the XXXX.  I also got a notification that the school is being closed and any paper work may be lost.  I told Navient this and they said that I would not have to pay it probably, but I can not get anything in writing.  I do not want my credit affected by this.  Thanks for anything you can do for me, I just want some answers.
I asked to Cease and Assist the debt with the current XXXX XXXX XXXX and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is XXXX yrs old and I am not working and am XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!
I have been served to appear in court by Midland Funding LLC with the threat of a judgement. The account was closed in 2012. I am retired and do n't know what to do. The case is scheduled for XX/XX/XXXX in District Court of Maryland. I had attempted to pay the account to XXXX XXXX, but was told the account was sold. Please advise.
XXXX XXXX. broke the FCRA by not following the proper procedures regarding adverse information uncovered by an employment background screen According to the FCRA an employer must wait 10 days before taking an adverse action against and employee when a negative item such as an arrest is discovered via en amployment background check. In this scenario, I was deactivated and effectively fired at the same time as the negative information was shared with XXXX  by XXXX XXXX XXXX. I was barred from employment simultaneously upon receipt of the employment screen I had already been driving on the XXXX platform for a year and was not given a fair second chance to explain or dispute an arrest i had endured. The second XXXX learned of the arrest is the same second that i was firedl. No dispure grace period or any discussion whatsoever, just an abrupt termination.
Experian received my dispute request on XX/XX/2016, this is regarding the inaccurate reporting on XXXX XXXX accounts. I requested that Experian send me verifiable proof ( an original consumer contract with my signature on it ). According to the FCRA Section 609 ( A ) ( 1 ) ( A ), Experian is required by federal law to verify, through the physical verification of the original signed consumer contract any and all accounts Experian posts on a credit report. I received report number XXXX Dated XX/XX/2016, stating this would be completed by XX/XX/2016. I still have not received verifiable proof of my signature form Experian. 
Since they can not verify this debt, and did not verify within the required time frame, I am requesting they remove the items from my credit report immediately. If not completed I will be forced to take Experian & XXXX to small claims court. 
I have included the letter I have sent by certified mail, tracking number XXXX Experian had 30 days to respond and failed to respond to me with the information I requested by XX/XX/2016, I am requesting the items are removed from my report immediately.
Today, one year after it was revealed that Experian was giving access to individual credit freeze PINs to *ANYONE* who could provide a social security number as well as answer security questions with information that is EASILY obtained through public records. The original security blog is provided here for reference ( XXXX XXXX XXXX ) demonstrating as such, I found out today that all 3 credit bureaus are STILL making this PIN available to anyone who can provide the proper information to obtain it. 

I will remind you, that this PIN is NOT supposed to be known by the credit bureaus at all. Them being able to find it defeats the entire purpose of a credit freeze. Only the owner of the data ( me ) is supposed to be able to unlock it. In essence, my, and millions of other Americans ' credit files ARE NOT LOCKED if anyone can obtain the unlock PIN using simple information and a SSN.
I bought a   XXXX    XXXX   XXXX  brand new Monday  XXXX   XXXX  off of the   XXXX    XXXX  lot in  XXXX  pa. 4 days later   XXXX   XXXX   XXXX     shortly after fueling the car for the first time the transmission light came on and vehicle stalled on the side  of the road. I called road  side assistance to have the car towed back to the dealership. I attempted contact the dealership while I waited on the tow truck and received terrible customer service. By the time I was connected to  2 diff erent men who claimed to be be the only managers available, I complained that I am upset about receiving a  lemon  vehicle and due to the service I did not want the vehicle. The man who claimed to be a manager offered a loaner car and I inquired if I cld return the vehicle. He said returning the vehicle was not an option for which I replied why not. I advised that I was a licensed mortgage originator and have  10  plus years in the banking industry and know for a fact that I can return the car within a certain time frame due to it being a lemon. He responded that cars are different and proceeded to quote more inaccuracies at which time I ended the call and waited on the tow truck so that I can speak with him in person. I feel this dealership is trying to take advantage of me and possibly take advantage of many people who do n't know their rights.
I received a letter dated XX/XX/2018 from American Financial Credit Services , Inc. that was addressed to a " XXXXXXXX XXXX XXXX '' but was mailed to my home address. I have no connection whatsoever to XXXX XXXX XXXX. I have no idea who is linked to this XXXX or what the debt is. Clearly, they have confused me with someone else. 

This company threatened tax liens with the SC Dept. of Revenue against me in the amount of {$10000.00} But this debt isn't mine.
Proximately 2 years ago I was applying for a veteran eligibility guaranteed loan of over {$130000.00}, and already had a nice property checked out that would furnish me with a place to live and more important a place to start a new business because my XXXX won't let me continue to work in My Chosen field of XXXX. The loan was well underway and due to wrong and fraudulent information and my identity information hacked from the files of reporting agency. Apparently 90 % of the files they had on people were broke into and their information stolen. This cause is all kind of bad reports, loans in my name that were issued to someone else, defaulting credit cards that were issued to someone else in my name, my credit score dropping over a hundred points from good to poor status ruining any chance I had to get back on my feet. My stolen identity fraudulent reports by the credit bureau and no one willing to give me a much needed loan to buy a house caused me to become homeless and struggling for the last 2 years.
Chase Visa failed to investigate many identified as unauthorized charges. As they failed to do so once reported they miss the timeline to be eligible to file a chargeback with Visa. Strangely they credit some while putting others ( even from the same vendor ) as valid as the merchant was under obligation to provide any documentation to support the charges ( this is patenly false ; they were notified ). I never requested a sales draft. I notified them of unauthorized activity
IC Solutions Debt Collectors repeatedly call me even after I had already made payments, they call multiple times a day during unorthodox hours and have now taken to calling my husband who 's information they should not have access to.
I pay excess principal on my monthly mortgage. The check is sent monthly for XXXX, and the mortgage payment due is around XXXX. Despite numerous calls ( around 10 ) to the mortgage servicer, they continue to intermittently misallocate my payment, helping themselves to extra interest or advancing my monthly payment by one month. They tell me it is fixed, and the next month they do the same thing. I bank with USAA Federal Savings Bank in TX. They originated the loan. Both XXXX and XXXX have serviced the loan, and both companies have repeatedly misallocated my payments. The information from XXXX is attached. The information from XXXX was modified after my call to them this week, and no longer reflects their misapplication of my XXXX or XXXX payment. This should also be illegal : changing banking documents rather than showing the correction-
This is a complaint in response to a previously complaint filed on XX/XX/XXXX, reference number XXXX based on a response from Equifax received via USPS, not through the CFPB portal. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification by the *credit reporting agency* ( you ) as required within five ( 5 ) days of previously disputed information that is invalid. In the response to the above referenced complaint, Equifax 's official, binding response stated, " The disputed XXXX XXXX XXXX XXXX XXXX is currently not reporting on the Equifax credit file ''. 

According to our records the account number provided in your complaint is not appearing on your Equifax credit report. '' However, based on a review of my Equifax credit file on the date of their response ( XX/XX/XXXX ) and with re-verification on XX/XX/XXXX, the information they stated as " not appearing on the Equifax credit file '' is and has been present on my credit report since before the original complaint was filed. 

The information was verified directly by a service that is owned and operated by Equifax. 

Equifax 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required. 

In the original complaint, it listed the number as ending in " XXXX '', however the creditor has modified the account number when they re-inserted the account that had been removed ( XXXX ) and you did not supply the required notified of the re-insertion. 

This complaint is about the re-insertion and failure to notify, but failure to investigate.
On Equifax, there is still a " XXXX, TX '' address. I have never even been to Texas. That is not mine. I contacted someone in the past, it must have been XXXX, as I see it is not on that one anymore. I need that removed. I have paid off XXXX large debts within the past 3 months and my credit score keeps going down. Why?
XXXX XXXX at XXXX offered to help to improve my credit score by having his company cancel some of the negative items, and mostly apply a Tradeline. He explained that his company would have obtained from a bank or financial institution a so-called Tradeline, equivalent to a credit line for XXXX $ which would have post on my credit and would have significantly improve my debt-credit ratio with credit bureaus boosting my credit score. Such Tradeline cost was XXXX , only for the Tradeline. After months of several follow ups and no signs of such Tradelane nowhere, no improvements in my credit score, to the contrary a decrease without any negative actions from my side that may have caused that, or receiving official document proving such tradeline posted on my account for XXXX $ I asked refund. He emailed saying his company policy states 'no refunds ' and admitting several times he had a delay and he even offered to raise the amount of such credit line if it would not being posted in the following 30 days. All in writing. He of course never delivered what he promised and he disappeared. I think we have here several grounds for a financial fraud. I have in my possession several written communication proving all that. I wish to have full refund of my XXXX $ ( XXXX $ were discounted and paid to my boyfriend as referral fee ), and make sure that no other consumers will be duped by this individual. Please look at the attachments where my boyfriend is trying to have proof for the service paid XXXX . XXXX XXXX, the company owner sent a cropped photo ( see attached ) presumably of a fake credit card opened in my name retroactively in 1998. I have also more contracts and written proofs if necessary.
So this is my complaint # 3 regarding Round Point Mortgage Servicing Corporation since i never gotten fully explained responses and provided numbers - only partial dismissive responses. 
So on XXXX I've sent following email to RoundPoint : Good afternoon, Mr. XXXX I just received the respond to my complaint to you and CFPB on my request to update the escrow monthly payment. Your respond contains 3 pages, The first page info that you DID adjust the amount from {$2800.00} to {$2800.00} per month.

The second page disclaimers The third page very general payment history.

You didnt send me detailed escrow analysis for which I asked in my complaint!

You didnt send me updated monthly Mortgage Billing Statement for which I asked! 
You didnt send me a check to cover the difference that I have overpaid in XX/XX/XXXX, which would be : {$2800.00} {$2800.00} = {$25.00}! 
I ask for the prompt respond to these 3 abovementioned requests, because ignoring my requests will prompt me to complaint yet again 3rd time to Consumer Financial Protection Bureau. 
Please correspond in writing so I have a copies of your responses if further need for such arises. 

XXXX XXXX loan # XXXX / complaint # XXXX Nobody contacted me with this letter which is no surprise considering their luck of customer service there. 
on XX/XX/XXXX I've sent the following email to RoundPoint : Good morning.

I did receive the new Escrow Analysis Statement, but TABLE 2 Escrow Activity History, on the back has just one line beginning balance - {$3900.00}.

I would like to know how did you get this number I do need the whole history printed from the beginning, from XX/XX/XXXX! I need to go thru the numbers. 
I still didnt receive the check for {$25.00} and no updated Mortgage Billing Statement Tomorrow is XX/XX/XXXX and I have to pay my monthly mortgage. So if I dont receive the requested papers by tomorrow and no manager/supervisor calls me with explanation ( please no customer advocate I need a manager ) I  will have to complain yet again to Consumer Financial Protection Bureau XXXX XXXX loan # XXXX / complaint # XXXX Nobody responded, so as I advised to RoundPoint - I'm sending yet another complaint to CFPB. I'm also getting prepared myself to consider legal pursuit since the mortgage servicer whom I did not choose to begin with, keeps ignoring my requests. 
thank you XXXX XXXX
TransUnion report issued date : XXXX/XXXX/XXXX, file number XXXX. Logged in at XXXX on XXXX/XXXX/XXXX, and the accounts listed below are still being reported. According, to the aforementioned report, the items were supposed to be deleted in XXXX. 
Collection Account : 1. ) XXXX XXXX XXXX Remove- listed in duplicate on report, this is already listed/assigned to a new agency- XXXX. 
2. ) XXXX XXXX XXXX XXXX supposed to be removed XXXX 3. ) XXXX XXXX {$6100.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 4. ) XXXX XXXX {$22000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 5. ) XXXX XXXX {$26000.00} ( opened XXXX/XXXX/XXXX ) - supposed to removed XXXX 6. ) XXXX XXXX {$40000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX 7. ) XXXX XXXX {$39000.00} ( opened XXXX/XXXX/XXXX ) - supposed to be removed XXXX
on XX/XX/XXXX, I filled out a Smart Option Student Loan application with Sallie Mae to see if I would be pre qualified for a loan to borrow up to 100 % of the school-certified cost of attendance. I did not complete the application seeing i decided not to apply for the loan. I have received countless automated emails from them since saying " my action was required to move forward. Log in to our Activity Center to review and accept the terms and conditions of the loan. Log in to our Activity Center to  e-sign your application. '' ******on XX/XX/XXXX I got an email stating this : " Application ID : XXXX Dear XXXXXXXX XXXX  XXXX XXXX Thanks for choosing Sallie Mae Bank and for submitting your loan application. Please log into your account using the link below to view a letter from us. " I did not complete the application process therefore a soft inquiry should have been done rather than a hard one. I want this inquiry from Sallie Mae removed from my credit report, please.
XXXX   XXXX  did n't replying in a timely manner to my initial letters, or have they to date a fter 4 cert ified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of f ederal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA 807. Fal se or misleading representations  [ 15 USC 1962e ] As t hey have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other actio n ( or i n-action ) on their behalf has resulted in a small claims action against their company  in   XXXX   XXXX  .      As well they did not place on my credit report that I was disputing the account.     I also am filing lawsuit against  XXXX ,   XXXX    &  TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.