WillisBack/dataset-financial-user-claim huggingface dataset:
I AM TRYING TO OBTAIN A MORTGAGE MODIFICATION FROM TCF BANK. MY INTEREST RATE IS 9.8 %. I AM IN A PREDATORY LOAN. MY PAYMENT THAT I CAN BARELY AFFORD IS INTEREST ONLY AT {$1800.00} MONTHLY PLUS TAXES AND INSURANCE TOTALING {$560.00}. I WILL NEVER OWN MY HOME BECAUSE I WAS TRICKED INTO A LOAN THAT I DID N'T UNDERSTAND. I CONTACTED A LAW WELL KNOWN AND RESPECTED LAW FIRM TO ASSIST ME IN OBTAINING A MODIFICATION AND LOWER INTEREST RATE. THE LAW FIRM ADVISED ME THAT TCF 'S GUIDE LINES ARE EXTREME FOR MODIFICATION AND UNLESS GOVERNMENT INTERVENES THEY WO N'T MODIFY MY MORTGAGE. TCF 'S GUIDE LINES FOR MODIFICATION ARE AS FOLLOWS : ALL RESTRUCTURES WILL BE DENIED FOR ANY OF THE FOLLOWING REASONS :. CREDIT SCORE BELOW XXXX, MORTGAGE IS MORE THAN 120 DAYS PAST DUE, TOTAL DEBT TO INCOME RATIO OVER 50 % AFTER RESTRUCTURE AND IF THE MORTGAGE WAS N'T REAFFIRMED IN A CHAPTER XXXX BANKRUPTCY. MY CREDIT SCORE IS BELOW XXXX AND I AM MORE THAN 120 DAYS PAST DUE. TCF TOOK ADVANTAGE OF ME BECAUSE I AM A XXXX YEAR OLD ELDERLY XXXX WOMAN, I CA N'T AFFORD 9.8 % AND I FOUND OUT THAT MY MORTGAGE PAYMENT OF {$1800.00} EXCLUDING TAXES AND INSURANCE IS INTEREST ONLY WITH NOTHING GOING TOWARDS PRINCIPAL REDUCTION.
I saw a derogatory mark on my credit report that did no belong to me. I called the creditor ALDOUS & Associates PLLC and I told them that was NOT my debt and they basically told me I owed XXXX $ that I did not pay this " XXXX XXXX '' company and now I have to pay them or else they will not remove me from their debt collection. I contacted XXXX and they found an account that someone opened under my name in XXXX and they stopped paying it in XXXX. The only thing they had was my name. The social security number did NOT match mine. The agent at XXXX said that since it had been so many years since the account had been dormant, there was nothing he could do about removing it. I do n't understand how something that is said to be my debt is n't even associated with my social security number, yet it appeared on my credit report. I have already disputed this with my credit bureau, and they have removed it but I want ALDOUS & Associates PLLC to remove me from their records because I do not owe them anything.
I have sent   XXXX   and Transunion letters and online disputed inquires as of  XXXX  present. I have gone back on some of the files and show different information as far as amounts and dates. I was never notified of any of the instances and to my knowledge a lot of the accounts were closed with  XXXX  balance. The information is unauthorized, incorrect and needs to be removed from my credit report. I was never notified that my information would be sold to a  XXXX  party and multiply  XXXX  parties at that. there are accounts that have been closed for years with  XXXX  balance still showing.
When I lived in XXXX I had an account with TD Bank. I have moved to XXXX where TD has no branches. I have told the to close the account many times. The last time was yesterday. 
Because they have not closed it fees are just over {$1000.00} and growing. They now claim they will close it in 60 days. Then a collection company will go after me. They are not working with me at all. They just like charging fees. I am getting hit with fees as my account is less than XXXX because of fees.
On XX/XX/18, I mailed XXXX XXXX XXXX a Validation Request Letter and on XX/XX/18 I received their response which I is a violation of the HIPAA guidelines. 
XXXX XXXX XXXX and XXXX XXXX XXXX have violated the HIPAA guidelines under HIPAA 164.502 by providing specific medical information to XXXX ( a collection agency ) where a collection agency does not qualify as a Business associate per HIPAA 160.103.3. 
HIPAA 160.103.3 states : ( 3 ) Business associate includes : ( i ) A Health Information Organization, E-prescribing Gateway, or other person that provides data transmission services with respect to protected health information to a covered entity and that requires access on a routine basis to such protected health information. 
( ii ) A person that offers a personal health record to one or more individuals on behalf of a covered entity.

( iii ) A subcontractor that creates, receives, maintains, or transmits protected health information on behalf of the business associate.

Regarding section ( i ), XXXX does not provide data transmission services. Regarding section ( ii ), XXXX is not a person but a company. Regarding section ( iii ), XXXX is a collection agency that might be considered as a subcontractor but I was given no authorization to XXXX to provide XXXX to receive my specific medical information. XXXX provided XXXX with specific medical procedural information of my XXXX XXXX XXXX XXXX XXXX reducible which is a flagrant violation of HIPAA guidelines. Ive attached documentation that proves that XXXX provided XXXX with information that violates HIPAA guidelines.
I called ALLY BANK on XX/XX/2016 on behalf of my mother who has two cd accounts and a money market checking account there. She XXXX the XX/XX/2016 and the retirement home raised her monthly rent to {$5500.00} from {$3200.00} as her care level increased. My mother went thru the verification process and had Ally talk to me. One of the cds was maturing on XX/XX/2016 and I told them I needed to have {$55000.00} transfered into the money market account so I could have her write a check to herself and deposit it in to her XXXX checking. I waited until XXXX to deposit that check in to XXXX and shortly thereafter I started receiving e-mails from XXXX about negative balance and fraud on her account. All three accounts are in a revocable living trust and my mother is the trustee. After receiving the e-mails from XXXX, I went back to mom 's rest home and called Ally Bank and they said they rolled the entire CD over and did not put the {$55000.00} in to her money market checking. This conversation took place on XX/XX/2016. They assured me that they would take {$55000.00} out of the CD and put it into her checking account there. I was going to deposit the Ally money market check in to her XXXX account and thought I better call them first to make sure the transfer was done. I went to mom 's and went through the verification process again and then was told the transfer was not done and it will not be done until I send them trust documents because my father had passed four years ago. I told them to close the accounts and send the check to the same P.O. box that the statements go to. The women agreed to send the {$260000.00} that was at their bank. She put me on hold and when she came back on the line, she said they were not going to send any money or do any transfers without the new trust documents. I had to loan my mother {$6000.00} so she could make her XX/XX/XXXX rent payment. This bank totally lied to me at all steps and took a toll on me as my mother is XXXX, XXXX. They should have their license yanked and be put out on the street. I think everyone should be aware of this banks shady business practices and warned to stay away.
XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity after XX/XX/XXXX. However, once transferred to XXXX in XX/XX/XXXX, they started their account history in XX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
OnXX/XX/XXXX XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXXwas invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
On XX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding XXXX delete this credit line if XXXX ca n't prove they are legally required to report it.
On XX/XX/XXXX, my fianc and I each received a letter from Finance System of Green Bay Inc. stating that we owe a debt of {$1600.00} from our previous apartment. I sent them a letter stating that we were not aware we owed any money to our old landlord, XXXX XXXX XXXX. XXXX XXXX threatened to sue us two months after we moved out, via phone call from their lawyer, XX/XX/XXXX, for a balance they said we owed. I told them we didnt owe the debt. That was the last time we heard from them, ever. We have been waiting for XXXX XXXX to send us papers for 3 years and the first time we have heard about this debt was just recently. Finance of Green Bay sent us a response of the itemized statement, rules and regulations and lease we signed that we received on XX/XX/XXXX. They called a few weeks later, sometime before mid-XX/XX/XXXX, and I told them we would not be paying this because we had planned on fighting it. I have all of my documents I got from XXXX XXXX  and the voicemail threatening to sue us. Since the debt was taken over by a collector, I cant fight XXXX XXXX. Finance of Green Bay is not who we have a complaint with, its XXXX XXXX  we have the issue with and dont feel as though we owe Finance of Green Bay anything since we werent made aware of our debt before it was grabbed by a debt collector.
A student loan consolidation company by the name of United Student Loan Solutions, address :  XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , Fl  XXXX , phone number  ( s  )  XXXX ,  XXXX ,  XXXX ,  XXXX  This company is pretending to a third party contractor for  the U.S.  Department of Education, in assisting students with loan debt to consolidate their loan, as part of   XXXX   XXXX   Loan forgiveness program. They tricked me into giving them my ss #, driver 's license #, employer 's information, an d FSA in formation to review my loan amounts. This company asked for an upfront payment of {$590.00} to processing the loan consolidation. I gave them my debit card number to t ake out two pa yments of  XXXX  on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 . After speaking with the rep  XXXX , I became suspicious of the matter. I contact t he U.S.  Department of Education, and they advised that loan consolidation would be a free service through them. They also advised me to contact Consumerfinance.gov to file a complaint. I then contacted my bank, as well as  my local police to file a fraud complaint. I also contacted all three credit agencies, my state motor vehicle license agency. They portray themselves as  XXXX  on the internet. It is a trap.
This is for XXXX card account XXXX XXXX/XXXX   I supplied the Ftc Identity theft paper work to them on last saturday, XXXX   XXXX and XXXX had XXXX  blocked in 72 hours Equifax however is making me wait 30 days as if it a regular dispute The confirmation number that i submitted it is XXXX I have attached to you the Ftc paper work along with the police report
The information reflecting on the XXXX XXXX trade-line is inaccurate with Equifax. This trade-line has not been updated since XX/XX/2018, and it is now XX/XX/2018. There has been no change in data. There is a disconnect between Equifax and XXXX, causing incorrect data to reflect on my credit report.
I have been Complaining about a refund from google for over a year. I and my bank have tried to resolve this issue. My bank has wrote letters to them, talked to them over the phone, I have been emailing them, filed disputes with my bank and contacted state agencies. I was told that google sent my payment to XXXX XXXX XXXX and to XXXX XXXX from google.I have been calling them and waiting for reply but have been having issues recovering my refund. I have tried everything to get them to give me my money back as well has my bank XXXX. I have several case numbers and they keep giving me different statements. I keep getting new agents so I have been passed around to so many agents and I am getting upset at this situation. I am asking that they send my money back to me as they told state agencies that they gave me a refund when they told false information.At this point in time I feel they are doing this so they do not have to pay me my money back from these fraud charges. My bank showed them proof that nothing ever came to me and I keep getting excuses as to they already sent a refund, they never sent a refund and get passed around to agents. I will attach the information I sent to them in this dispute.
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Google case number XXXX. Email used for contact is XXXX.
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Dear Sir or Madam : I am writing to dispute a billing error in the amount of [ {$1400.00} on my account. The amount is inaccurate because the money was reversed by google when in fact Google was to issue a refund in the amount of XXXX.I am also requesting proof of any payments sent from your company, And transactions that was paid to the right bank.
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I have attempted to get a refund through your customer service department and have sent letters from my bank, my bank statements, and reversals that google made from my bank.
However, after a year I have still not received a refund of the {$1400.00}.
I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement after the payment has been resolved.
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.I look forward to your reply and a resolution to my problem.
To resolve the problem, I would appreciate you refund my money that was stolen from my bank.
Please investigate this matter and correct the billing error as soon as possible.
XXXX/ XXXX/ XXXX XXXX is stating that I owe money to the company, however the debt was verified as invalid with XXXX  XXXX. Amount that they are stating I owe is XXXX
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX
Razor capitol, LLC has called me many times using profane language and what I would perceive as threats if I do not pay them. I asked for them to stop calling me. They have not. Now I let their calls go to voice mail but they wo n't leave any messages saying its them.
I started college with financial aid. I was offered a direct loan by the registrars office with XXXX foundation. I got bought out thru Navient. My credit report has me owing over {$29000.00}. I went to school for 1 semester. I received like {$11000.00}. My credit report has each time my loans were switched and/or bought out from another company added to my credit report. I thought it would switch from one to another. This has not happened. I do not know how much the loans were sold for but it 's like they double or even triple. I actually withdrawn in 2016 from the XXXX and I tried to attend again ; I was told I owed the school {$700.00} to {$900.00} because of some strange reason. I took care of my mother for 4 years until she passed away on XX/XX/2016. Now I planned on attending college again but it seems as if will be purchasing a house for my college degree.
I disputed tidewater finance with the credit bureaus as well as I filed a previous complaint against them with the consumer finance protection bureau, the results of investigation I have attached for review. My previous complaint was due to inaccurate credit reporting and water finance reporting different balances and past due amounts monthly to the credit bureau. The response that I received from XXXX and XXXX both for complaints on XXXX/XXXX/15 both reflect that they were verified to be accurate see attached for details and below are the balance discrepancies of that investigation. 
XXXX XXXX balance XXXX past due XXXX XXXX balance XXXX past due Once again I have found tidewater to be in violation and have attached documentation for you t review that this account is reflecting open and that is impossible because it is charged off. This account has also failed to report a date of last activity on XXXX credit bureau and this is another manor violation and a continued discrepancy on their part. It is the furnishers duty to provide accurate details pertaining to a consumers report and failure to report the last activity date effects who long a derogatory item is reported. Tide water finance repeatedly provides false information on my credit report that is affecting the integrity of my credit and score.
Hi! 

My credit it tied to a person I have never met. Our names and socials are similar, but we live in two different stated : I live in NC and have never lived in Texas, and she liv es in Texas. 

I have reached out to Equifax to let them know of the error and sent my birth certificate, social, XXXX, and proof of address in. They changed the name, birthdate and address on the account to my information. The debt still belonged to the other person ( XXXX XXXX ). She reached out to Equifax, and they changed it back to her name and address, but not birthday and social. 

The account is now locked, and I have no access to credit. I was denied a refinance on my home because my debt to credit ratio was too high, but the information on my credit report belongs to XXXX XXXX, not to me. I paid {$500.00} to have the house appraised and got denied by my own bank. I ca n't go buy a car because my credit report is locked, but it is n't my credit report. 

Every time I call, I am told that everything is fixed, or I am transferred, and the call is disconnected. I have spent hours trying to resolve this issue and have yet to talk with someone that can help. I receive mail, almost weekly from Equifax saying that one thing has been changed, but usually its changing her birthday to mine or mine to hers or changing addresses from NC to Texas. 

The number at the top of my record is XXXX The confirmation # is XXXX This has been going on since XXXX with no resolution.
Paid out through XXXX XXXX XXXX , XXXX who sold the debt not owed anymore to XXXX XXXX earlier this year. I wrote to XXXX XXXX that they bought debt that was already paid and I provided the list of dates and payments made to XXXX ( XXXX bank ) and they continue to call my phone daily XXXX among other numbers they use.
As part of the XXXX upgrade process, filed app with Citizens bank which to my surprise turned me down for a $ XXXX/mth paymemnt despite a XXXX income and a XXXX credit score. Turn down was due to a lien that was opened and shut on the same day, 100 % satisfied because it was a clerical mistake initially and should n't have existed. have n't been turned down in 30 years and the XXXX from XXXX is the lowest of the scores, XXXX with XXXX. Based on internet complaints concerning Citizens Bank, they are simply declining customers for no legitimate reasons.Most likely because they are too small to handle the number of apps they are receiving. This is wrong on so many levels. I have tried to reach the bank officials and they are always too busy to speak and do n't return phone calls.
EXPERIAN Refused To Removed 2 Accounts From XXXX XXXX XXXX That on my credit report that should not be there. Each month different information appears on my report. I disputed the item and it was removed and then reappeared on my report. I wish to resolve this issue as quickly as possible by having this false information removed from my report. 





XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Past due 180 days Status Updated XX/XX/XXXX Balance {$5100.00} Balance Updated - Credit Limit {$5000.00} Past Due Amount {$690.00} High Balance {$5100.00} Monthly Payment {$100.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 72 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Now redeemed, was a repossession Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$570.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$39000.00} Comments **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER
I have contact Equifax in regards to inquires on my report that I did not authorized. When I disputed the inquires they stated that it was factual information and can not be disputed. I contact Equifax and advised them that the inquires that I disputed was not authorized by me and I needed them removed. They advised that I can not dispute inquires from my credit report. According to the FCRA anything that is inaccurate or fraudulent can be removed
I am unemployed, I filled out an application for an Income-driven Repayment plan at studentloans.gov, and was granted a zero amount repayment in   XXXX   XXXX       In   XXXX   XXXX   my income tax refund was withheld b  y ECMC ( Educational Credit Management Corporation ), claiming that I was in default. Up until this letter, I had no correspondence from ECMC stating that I was in default, nor was I ever even informed that ECMC was a lender of mine. I am not in default with any of my other lenders. All my other lenders received and granted my Income-driven Repayment plan.
I emailed ECMC twice and have not received a response.
This action is against XXXX XXXX and the offices of McCarthy, Burgess & Wolff. 
In approximately XXXX of XX/XX/XXXX I was subleasing office space and the landlord wanted the space back to accommodate a large company coming in so I need to cancel/suspend my internet service from XXXX until I found a new location. In the interim I am working from a home office that I currently have XXXX internet service. There was no place to mark the XXXX form for suspension of service only termination of service. 
My account was quickly turned over to the collection agency above for collection of approximately {$4200.00}. I have sent letters to XXXX XXXX and have never received an answer from them, just silence. I have filed a complaint with the FTC in XXXX of XX/XX/XXXX and I do not know the status sine they have not communicated any action to me. I was in phone contact with a XXXX ( XXXX ) XXXX and I felt like things were being taken care of, however, in subsequent calls to XXXX I have had to leave a message and never returns my call.I am a 15 year customer of XXXX for telephone, TV and internet. Thank you for your assistance.
My husband tried to add me as an authorized user on his American Express card. He will be the sole provided for our family and we need a card that I can use in case of emergencies. He uses only his AMEX card for everything. I was denied to be added as an REF : XXXX XXXX due to the fact that I had an unsatisfactory account with them and due to my derogatory record I ca n't be added. This is after I have included this account in my bankruptcy almost 10 years ago. They did n't even mentioned that I included it in my bankruptcy and they transferred me to another representative to " SETTLE '' my account when it was already discharged back in 2008. They kept transferring me to different representative that I gave up and hung up.
in XX/XX/2014 i have moved out a apartment complex called XXXX in XXXX TX and they reported some fees to a collection company called National credit XXXX i advised them i have a letter that i turned my keys and garage opener and that they done the walk through with me and they kep saying that im refusing to pay and that they will take me to court i want some of the fees lowered and for them to work with me and they refuse