WillisBack/dataset-financial-user-claim huggingface dataset:
After viewing a copy of my credit report, l noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that l possess, and I am seeking the name and hospital/medical provider to which l owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please accept this letter as my formal debt validation request, which l am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
I was sent a letter by Chase Home Finance stating that they was canceling the entire amount i owe on my mortgage loan and that I owe nothing more on the loan. I also was sent a copy of a Corporate Deed of Release from Chase that went to the City goverment for recording. I called Chase they told me I owe nothing else. I received several phone calls from representive of Chase telling me they made a mistake. Chase had been telling me all year that they made a mistake after sending me letters after letters of false hope while waiting a loan modification. At the same time they sent me the letter stating i did n't owe anything, they told me my modification was approved and that they reversed the cancelation of morgage dept. I have copies of all the letters sent by Chase this year including the corporate deed of release and escrow letter stating that I have XXXX in escrow and that they were sending me a check and later to be told that they made a mistake.
My name is XXXX XXXX, I am the widow of XXXX XXXX and the executor of his estate and legal heir to this property as ruled in the state court of Montana. I am embroiled in a conflict with my mortgage servicer Nationstar, who has obstructed my attempts at modification and resolution of my loan by continually questioning my rights as the legal heir and forcing me to provide the same documents over and over again. As a result of these games that Nationstar is playing, my home went up for a foreclosure sale. I am a widow living on fixed income and taking care of my XXXX year old son. This is not right!! 

My husband and I purchased this home 9 years ago. He was the breadwinner while I stayed home to take care of my XXXX son. My husband ( the listed borrower XXXX XXXX ) passed away in 2012. I was named the executor of the estate and the rightful heir and have all of the necessary court documentation to prove this. I assumed the mortgage and continued making the mortgage payment as agreed for nearly two more years. However, as a widowed mother on fixed income I did not have any type of safety net and when I had a major plumbing emergency due to the main water valve pipe breaking I was in big trouble. I had to take care of this and the out of pocket costs were nearly {$3500.00}. Due to this emergency I started sinking financially and eventually missed my mortgage payment and desperately tried to figure a way out of my financial hole. I contacted Nationstar but they were not helpful at all. I was not even aware that there were programs available to help homeowners until I saw a commercial on TV about the Obama HAMP program. 

After learning of this program I contacted Nationstar again, and NOW their agents admitted there were options for help. I sent all of my information in for review and tried repeatedly to follow up and get updates. However, at every step of the way Nationstar obstructed the process -- I was continually grilled about the ownership of the home, about the survivorship and executor of the estate paperwork etc. I sent these papers in at least 4 different times but Nationstar seemed to lose the papers every time. I was never able to get anywhere with Nationstar. Instead of working with me Nationstar tried to auction off the house.
Due to medical problems I set up a Hardship Program for payment of a credit card with State Farm Bank and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is XXXX, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of State Farm for over 20 years and have never had a problem until now.
Currently on my 4th servicer ( Shellpoint ) after defaulting on our Mortagage due to unexpected loss in income. Chapter XXXX Bankruptcy filed and discharge occurred in XX/XX/2017. Serviciing of the loan transferred to XXXX in XX/XX/2017 and the only 2 modification offers were not sustainable and would have resulted in another default. Very little contact lately with Shellpoint, but have made several calls to a XXXX XXXX to inquire about a Shellpoint IN-House-Modification program or a Principal Reduction Alternative. I was informed via a loss mitigation affiidavit from a XXXX XXXX that I was eligible for an In-house-modification. To date, I have not received a call back from XXXX XXXX regarding my inquiry and how to possibly apply. There is a new owner of the loan and I am hoping they would be receptive to a creative solution to our problem to avoid a foreclosure.Our financial situation is improving since the Bankruptcy which I feel should be taken into consideration in order to come up with an acceptable remedy besides a foreclosure.
I am corresponding to you to report a flagrant violation of the FDCPA by this company pertaining to an erroneous account this company has persevered with reporting on my credit report. On   XXXX   XXXX  , 2017 this company received a letter from me where I disputed the accuracy of the account they have reported on my credit report and asked that they either provide me with document I signed that makes me liable for the debt or delete the account from my credit report. The company has done neither and in violation of my rights have kept reporting this account as a valid account on my credit report.
I have the inquires on the attachment that should be deleted from credit report. Did not authorize these inquiries. I have contacted these banks as well about this. Included emails stating not to go through all these banks for loans.
I have a second mortgage loan that was charged off in 2009 in the amount of {$29000.00}. At the onset the loan was owned by XXXX XXXX whom I modified the loan with. Due to the charge off portion of the loan, XXXX maintains a lien on the property. I contacted XXXX to settle the debt through the sale of the property. XXXX informs me that they have sent the loan to XXXX XXXX XXXX XXXX who now tells me that they have sent the loan to XXXX XXXX XXXX for servicing. XXXX informs me that the debt is now {$45000.00} to settle. There has been n o explanation of any escalation in charges and the companies are now blocking the sale of the property to see my bank records, tax statements ect. I am trying to settle the debt in full and need to see the escalation in charges and neither of the companies are cooperating. Even attempting to settle at the inflated amount, the companies are not cooperating without wanting to see all of my personal information. Neither company has validated the debt after I sent letters to each of them requesting a validation.
On  XXXX   XXXX ,  2017  {$490.00} was transfered from my checking account to the checking line of credit. Because this transfer was made, my mortgage payment was returned resulting in a late fee. I spoke with a representative from the bank who told me the money would be returned, however as of  XXXX   XXXX ,  2017  the funds have not been returned to the account. The line of credit was 11 days past due at the time of the transfer, however I was not notified in any form that this transaction was scheduled, and was not authorized on my part.
My Mortgage loan was transferred to a Servicing Company on XX/XX/XXXX The Mortgage Company was XXXX XXXX XXXX. In XX/XX/XXXX I was laid off my job and got behind in my payments. I contacted XXXX XXXX for assistance and they a modification which was raising my interest rate to 8 % and placing {$37000.00} in a deferred status to lower my payment for a short period of time. They told me once I regained employment my loan could be adjusted back to the interest rate and also that the deferred interest may even be written off because of the dropping value of homes in my neighborhood. I agreed, and once I gained employment went back to have another modification. Bayview Loan Servicing told me they could not help me because they were the Servicing Company and they did not do modifications or refinance since I was not delinquent. I contacted  XXXX XXXX and they would not help. The Loan has now been sold to XXXX XXXX XXXX XXXX   XXXX XXXX. I have called to speak to someone there for the last three months, and have not been able to speak to anyone. Four years plus of paying all this interest plus having {$37000.00} just sitting is very frustrating. I am at retirement age with a upside down loan.
I was n't paying attend to the check book I wrote on XXXX I had it was a old account i went to the deposit machine in put the wrong check in by mistake cause the check book was in the same place as the new ones.This is a very problem to my business i need this handle in a timely matter. 
It was a mistake I can prove it, 'I will like to handle this without a lawyer
This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.
WE HAVE ASKED THIS COMPANY TO STOP CALLING BECAUSE WE ARE A BUSINESS THAT HAS NEVER DONE BUSINESS WITH THEM AND THE EMPLOYEE THEY ARE TRYING TO REACH HASNT WORKED FOR US IN THE PAST FIVE YEARS. BUT THEY CONTINUE TO CALL AT RANDOM TIMES OF THE DAY, EVERY SINGLE DAY.
Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, Equifax stated in writing that you verified that this item Acct XXXX XXXX XXXX XXXX is being reported correctly. Who verified this account? 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 Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my sis card, state ID and the name and acct nbr several times with Equifax continuing to break the very federal law that was implemented by Congress for this very predatory business practice!
I have disputed this information and they keep reporting this account on my report. XXXX XXXX XXXX
Re : XXXX XXXX XXXX Card ending XXXX. 
This has been my XXXX request to have this issue resolved without success, as this adverse reporting continues to cause me adverse results. 
This account was ALWAYS and ALREADY PAID in full prior to bankruptcy filing in XX/XX/XXXX when it was inadvertently included in my bankruptcy and in FACT OVERPAID per bankruptcy ledger, as none was required. Notwithstanding, this bankruptcy was XXXX on XX/XX/XXXX. PLEASE DELETE per attached. 
Notwithstanding the most recent dispute submitted via XXXX and documentary evidence submitted, as you will see on the next page, the incorrect adverse information is still being reported as of XX/XX/XXXX. Please delete /correct and advise all the major credit bureaus. 
Thank you. 
Sincerely,
On  XXXX / XXXX /  XXXX   I received a call from  XXXX . I answered my cell phone and talked to a  XXXX   XXXX . He told me he was calling of an old payday loan that was sold to his company from  XXXX   XXXX . I asked him how much did I owe. He told me that I can go on 4 monthly payments of {$390.00} per month, 6 monthly payments of {$350.00}, or {$260.00} for 8 months. He also told me I have a balance of {$2100.00}. I called  XXXX   XXXX  they told me I borrowed {$1000.00}. I asked  XXXX   XXXX  if you can mail me verification of debt. His comment was that he does n't have to provide any verification of debt. I thought that was a federal law to provide verification of debt. I never received any notification from  XXXX   XXXX  that the loan was being sold to another company. I asked  XXXX   XXXX  which company he represents he told me  XXXX   XXXX  and then told me he represents  XXXX   XXXX   XXXX . I have no idea if this company is legit or they are trying to scam me.
Hi Sir/Madam, I am writing this letter regarding Chase bank closed my banking accounts and credit card account recently. I opened XXXX banking accounts ( checking and saving ) XX/XX/XXXX and a credit card XX/XX/XXXX. Now all of them are closed by Chase. The reason Chase stated is that I forfeited my Chase points. 

I am very angry with this right now, 1 ) I have n't used Chase for a couple of years. XX/XX/XXXX my credit accounts were closed by chase without any reason, after that, I have n't used chase bank and any their points. 

2 ) I opened banking accounts and credit account successfully through branch and online. There is no problem at all in application. However, Chase closed all my accounts in one month after application, which had bad impact to my credit report and wasted me a lot of time in setting up accounts. From my experience, if bank is not satisfied with my credit, it should n't pass the application at all. I am very confused by Chase 's behavior. 

I hope CFPB can help me solve the problem, keep those accounts, and help me build new relationship with Chase. 

Thank you very much! 

XXXX XXXX
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT MANAGEMENT LP Last reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a  form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
XXXX and American Medical Collection Agency has sent me multiple invoices/ bills that are not mine, are for services provided to a patient with a different name, who does not reside at my address or receive mail at my address, nor do I know the whereabouts or have contact information of said person. I 've not agreed to any services provided by XXXX and therefore am not responsible in any way for bills of said services. The bills have been sent to collection agencies multiple times. I 've contacted both the original creditor, XXXX XXXX as well as the collection agency American Medical Collection Agency to resolve the issue and request that I not be billed for services not provided to me and that I 've not agreed to pay. 

The bills continue to be billed in my name on a regular basis and continue to be reported to collections in my name. I continue to dispute the bills yet there is always another bill to dispute. This never ending cycle is frustrating as well as costs me time and money to continue to dispute on a regular basis. 

I ask that my information be removed from said patient records or files for billing purposes as I am not in any way liable for said bills. 

A written notice was sent to American Medical Collection Agency, pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec XXXX ( b ) on XXXX XXXX, XXXX, XXXX XXXX, XXXX and another today, XXXX XXXX, XXXX to dispute said collections and ask they correct their records. I continue to receive the collection bills, with nothing changed. 

I 've attempted multipule times to contact XXXX XXXX directly to resolve the issue via phone at the XXXX Customer Service phone number listed on their bills. I 've not been successful in reaching a person to correct this issue, I get an automated system with no human who can or will help to correct. 

I 've mailed letters to each address listed on the XXXX XXXX bill, explaining that this is not my bill and that the patient receiving said services does not reside at my address, does not receive mail at my address and that I do not have information on the whereabouts or contact method of said person. 

I ask that I stop being billed by XXXX XXXX and that XXXX XXXX XXXX attempting to collect via a collection agency, unless they have proof that I am in anyway responsible for such charges and forward such information to me, which of neither has been done.
I am trying to open an account for my adult son who is XXXX. I am his legal guardian. 
Here is the background on this issue. 
I original filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. 
This was the original complaint : I am trying to open an account for my son which I am his legally appointed plenary guardian. The banker faxed the paperwork into their document review team, and they told the banker ( phone conversation ) that the paper was not sufficient. The review team refused to talk directly to me or to give me a number to reach them, or the legal team. I then asked for a supervisor and they said they would have a supervisor get on the phone with the banker and she would have to relay information to me. They stated they dont talk to customers. They did give me a name of XXXX XXXX XXXX who was talking to the banker and his supervisor XXXX XXXX but would only give me a number of XXXX. 
After filing that complaint with the XXXX XXXX XXXX I did receive a call from XXXX ( executive office ) XXXX ext. XXXX after several conversations she stated that the guardianship was going to outdated within a week it has to be within 2 years. 
So I then went back to the courts and got a updated court order of guardianship which I faxed several times and had to make several calls before XXXX would respond to me. She then stated that the legal department wont accept it because they needed it to state I was guardian of the estate. 
I then went back to court on XX/XX/XXXX and got guardianship of person and estate and faxed a copy of the court order to XXXX and left a message on her voicemail. I have left XXXX messages with no call back. On XX/XX/XXXX I finally was able to get XXXX on the phone she told me to fax and email a copy of the order to her and she would get it reviewed and get back to me. I did that on XX/XX/XXXX. Again I left several messages. Finally on XX/XX/XXXX I received a call from XXXX who stated they will review the court order and will get back to me. She did state it would take some time. I dont understand why it is taking this long. When I original went into the bank on XX/XX/XXXX they faxed the paperwork to the review team and got a decision immediately. 
I would like help with resolving this issue. I am not sure if this is typical practice on trying to open an account for a XXXX person.
I submitted a dispute on this website with CFPB over unfair hotel holds on my card after checking out during the XXXX  week in XXXX FL and that has led to retalization on XXXX XXXX XXXX card status. I have had this card for over 22 years and they made a decision to disallow my PAY OVER TIME feature of this XXXX status card. 

The reasons listed by XXXX  in the letter sent by XXXX XXXX are fraud and it has resulted in XXXX XXXX underwriters taking away benefits that I just paid {$550.00} for in Card Fees. 

Please have XXXX XXXX reverse their decision.
I have a lot of inquiries on my credit that I am not aware of. I saw a inquiry from a car place called XXXX XXXX onXX/XX/XXXX then I see another one from a XXXX XXXX XXXX also onXX/XX/XXXX and I see another one and XXXX XXXX alsoXX/XX/XXXX I have not went to a dealership it tried anything with XXXX XXXX the only inquires I made were with XXXX XXXX XXXX and XXXX. The rest I am not aware of and would like to see disputed off my credit because I have never applied for any other credit card besides XXXX XXXX and XXXX XXXX.
Discover student loans is currently the administrator of a series of student loans that were originated between XX/XX/XXXX-XX/XX/XXXX by XXXX. Over the last 6 months they 've increased my interest rate a series of times. I reached out and requested an explanation as my believe was my original loans were fixed rate loans. I was informed that I was wrong. I requested my original promissory note and loan origination documents and they informed me that they did n't have that on file and they needed to request that from XXXX. That was almost two months ago and every time I request an update, I 'm told it takes time. My issue is that they 've increased my interest rate without proper explanation as to why, and they ca n't prove to me it 's even something they are allowed to do. How is it even remotely legal for a loan company to purchase a loan and not be required to keep all of the original documentation on file?