WillisBack/dataset-financial-user-claim huggingface dataset:
I requested validation to XXXX XXXX, XXXX XXXX, as my right under the FCRA and they responded to me on XXXX/XXXX/XXXX a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XXXX/XXXX/XXXX and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ).  A letter was sent to XXXX on XXXX/XXXX/XXXX explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by XXXX on XXXX/XXXX/XXXX. I just received an email from XXXX today, XXXX/XXXX/XXXX, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to Transunion on XXXX/XXXX/XXXX requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.
The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to XXXX  and Experian. I have tried on numerous occasions to have this account removed due to it's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. The arrears is incorrect and the amount is still accumulating even though I'm paying every month.
My name is XXXX XXXX XXXX and I 've been receiving notification of my credit report about inquiries. I did not apply for these accounts or business, I 've contacted both parties and they do n't help. I 'm trying to fix my credit and with this isssue it will be a disaster if this keeps going on. I only have one credit card and no loans or anything else. I have a XXXX XXXX XXXX XXXX Credit Card and nothing else. No need more.. Please help me. I do n't need no more credit. I think I 'm an Suspect Victim of Identity Theft. 

I would like my persoanl information updated as well, because my mother has the same name and I believe her information has been mixed up with my information. 

My personal information shoule be as listed below : Name : XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX NC XXXX Phone : ( XXXX ) XXXX Employer : XXXX XXXX XXXX XXXX
Before the summer this year, I applied XXXX premier rewards gold card and got approved. I also applied authorized card for my wife and got approved. Since then, both my wife and I keep receiving the emails from XXXX, which requires more personal info from my wife because of this authorized card, such as birthday date, driver license, SSN/ITIN number, and passport number. On the first time we received the email, we called in immediately and provided all the necessary info that XXXX required. The representative told us all the info are recorded and we should not receive the email any more. However, XXXX repeated sending such emails to require the same info. We have to called in no less than 5 times to provide the same info again and again. Each time, the representative guaranteed this issue will not shown up again since they can see the full info we provided. In XXXX, we received one mail from XXXX, which notifying us that my wife 's card is closed since we did n't provide the required info, which we have provided many times. Thus, I called XXXX again to find out what on earth happened probably on XXXX XXXX XXXX. One representative listened the whole story, he said he does n't know what happened. What he can do is to re-apply an authorized card for my wife from my account. He mentioned about one spending offer for adding my wife into my account and ask permission to let him process my wife 's card. I agreed and was told that my wife is all set. The new authorized card will be mailed within 7-10 business days. On XXXX XXXX, I am so shocked and angry about the mail I received from XXXX. It says that my application ( ref # XXXX ) for the premier rewards gold card was denied. The reason for the decision is that my prior applications has been approved and my card has been sent to me. Thus I wo n't be approved the same type card twice. Since I never ask to apply the same card or a new account for myself, I am sure XXXX  mistakenly apply a new account for me not for additional card for my wife. The whole thing of requesting an authorized card became a drama of applying an new account for me. However, the question is how dare XXXX can apply me a new account without my permission, even though it is true that XXXX get my only permission to apply authorized card for my wife. Now the result is that I had an unexpected hard inquiry because of the XXXX XXXX fault, which will affect my credit score that decides a lot of financial factors. In my understanding, without client 's permission to apply the new account is illegal and frauding. I called XXXX twice on XXXX XXXX XXXX. In the second call, one manager admitted it is XXXX XXXX  system glitch to close my wife 's account previously. Thus he instated her card. As for mistakenly applying the new account for me, he do n't know what happened, he suggested me to file a claim via a mail to XXXX. But I decided to file a claim via CFPB since I could not confirm if XXXX will receive my complaints via the mail.
I have disputed the account several time with XXXX being that the original amount owed of {$880.00} reflecting on my credit file does not match the original amount of {$850.00} documented on the paperwork provided to me by the collection agency. For the record this discrepancy is yet to be fixed despite several disputes. Attached you will find a copy of the aforementioned document. 

I have been mocked by XXXX of the agents of the collection agency during a phone conversation, who stated that he has a good credit and I do not. Granted that is the only collection account on my credit file On XXXX XXXX, 2017, I sent an email to the collection agency, Blakely-Witt and Associates, Inc. that is. In response to my email, that same week, they did an update to my credit file that significantly plummeted my credit score. An act of malice on their part. Or perhaps, a willful intent to do harm to my credit score. 

In any event, I also found their action discriminatory unless they can show that the update that was done on my file is customary and a standard practice, and that such updates are done on all files handled by their office. Even then, the legality of such an extreme and abusive way of trying to collect a debt has to be questioned. 

Like I stated on my last email to their office, I will not accept being bullied and based on their response, I will have to add that I will not accept been singled out, treated unfairly and discriminated upon either. 

The agent that responded to my email also stated that they will no longer response to any email from me and that If I would like to contact them, in the future, it would have to be through certified mail. Again, unless this is something they ask of all individuals who 's collection account they are handling, I will herein add that I will not accept been singled out, treated unfairly and discriminated upon. 

Today, I would like to bring my recent experience with the said collection agency to your attention in form of this formal complaint. Especially, since I can not communicate with them without fear of some sort of punitive action from them that could be detrimental to my credit file/score.
This account was paid and the collection company agreed to delete but years later the company has left this record open on my credit report to harm me. Please help me get this removed from my credit report because its harming my score and causing me to get higher rates on credit cards, increasing the likelihood of declined credit applications, and harming my ability to show credit worthiness to anyone who reviews my credit report and sees this collection record. This collection record was created due to a dispute with the apartment complex manager which was eventually settled, and even later on years after the collections was issued my family moved back to the complex, yet this collection blemish remains on my report.
On XX/XX/XXXX I paid on line my Citi Double Cash credit card via withdrawal from my XXXX XXXX checking acct. On XX/XX/XXXX my XXXX XXXX checking was hacked and the checking acct. was frozen. The payment was stopped by XXXX XXXX going to Citi. I have kept Citi updated by telephone daily and have wanted to pay my balance that I owe Citi.They keep telling me the computer will not allow me to pay the balance previously sent in on XX/XX/XXXX. Today they told me I would not be allowed to pay this balance until XX/XX/XXXX. I am afraid that on XX/XX/XXXX they will have another excuse why I can not pay the balance I owe and I will incur a late penalty and interest on the balance owed. All I want to do is pay what I owe Citi
I have contacted XXXX XXXX   several times. 
I wish to settle my student loan amount I have a loan amount right now that totals {$56000.00} I don't believe it to be fair or accurate to be charged such a high amount when I went to a private college where none of the credits are accepted anywhere. 

I understand that it is my responsibility to pay the student loan and I agreed to do so however I would like to do so by settling it completely instead of it accumulating more interests and fees.
On XX/XX/19 the debt collector called 3 times within an hour. After my husband answered, they would not give a company or employee name, simply that they are " Account Services. '' On XX/XX/19 the debt collector called twice in a row, lending to the belief that something was amiss. As I'm home alone, I quickly answered to a number without a name ( a.k.a " unknown caller. '' ) The person asked to speak with my husband, and after asking who they were, I was told they are " Account Services '' and they need to speak with him. After asking what it's in regards to, the man calling said " is he home or not? '' I then asked if he was a debt collector, to which he responded he could not discuss anything with me. To which I responded it is illegal to call back to back ; that it's considered harrassment. He said " ha, uh yeah thanks for your help '' and hung up on me.
My student loans are serviced by XXXX. In XXXX, I spoke to a XXXX representative over the phone and gave him my bank account number and routing number to make a payment for XXXX months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than XXXX days delinquent. I was then transferred to a XXXX XXXX who set up auto pay for me and opined that perhaps the XXXX representative who took my information down did so incorrectly, and that my bank rejected the payment. This XXXX updated my records and brought my account current. I assumed all was well until I received a credit alert that XXXX had reported XXXX accounts XXXX days delinquent, crushing my XXXX XXXX. 
XXXX tells me that it sent me XXXX letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from XXXX that I did not receive, but it is not uncommon for their representatives XXXX or their automatic dialing service XXXX to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
XXXX informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but XXXX will not provide it. All XXXX needs to do to make this right is remove the negative information from my report.
I am so distraught ( again ) about the conversation I had with XXXX XXXX. There has not been a single helpful conversation. I decided to go to school and pursue my XXXX 's and do everything I needed to do to effectively start my payments, paperwork, certifications, applications, etc. I pay my bill at the exact time every month. And yet, it is still the most difficult devastating process I have ever had to ( consistently ) deal with. I just received a letter in the mail saying that my rebate has been disqualified due to a late payment, which was dated over a year ago. The payment they are saying is late I was told over and over that it was taken care of and would not be considered late because I had been on the phone with them multiple frustrating times trying to get my loans transferred over to them from XXXX, having to submit an application that they never received because none of my paperwork transferred over, so I had to resubmit everything! Then to have more notifications saying it was denied, which gave no reason, so I had to call AGAIN. I had to submit my loan payment application, my IBR application, and my PSLF application and nothing was complete on there end and they said it could take up to 2 weeks or so just to be reviewed. In the meantime, they told me that they would submit a forbearance because I didn't want my payment to be considered late. Even after that month forbearance, they still didn't have everything completed, so my payment was extremely high, and they told me to wait and the payment wouldn't be considered late. I was told in XX/XX/XXXX that my payment would NOT be considered late. Over a year later ( XX/XX/XXXX ), I receive a random letter in the mail that says my Direct Loan Rebate is Disqualified due to a late payment ( that same one they told me was taken care of ), and there's NOTHING they can do about the rebate now. I am APPAULED and SO Distraught how much stress and frustration that working with them has caused and I get absolutely nowhere, even when I speak to a supervisor. Even more frustrating, when they were reviewing the notes in their system, they spoke as it was so simple and 100 % my fault that the payment was late. I want action taken against this horrendous company, and don't understand how they are still allowed to exist, knowing that I am by far not the only person that this has happened to! I want to take any and every action I can against them because this has been the absolute WORST experience in my LIFE, and makes me regret making the decision to go to college thinking it would be best for me and my future. I regret it completely when it comes to trying so hard to deal with XXXX XXXX! I am SICK! 

I have the documentation that I have received through my portal, but unfortunately, everything has been by phone conversation so I have NOTHING to refer to besides these horrible memories ... The few times I did try to resolve things over email, my email kept getting passed around to different people every time I would reply which got me absolutely nowhere so I had no choice but to call again. This is COMPLETELY HORRIBLE!
On XXXX/XXXX/XXXX I opened a Money Market Account with promotion code : XXXX. 

This promotion is for a {$200.00} bonus for opening my first Money Market account with Capital One and depositing at least {$10000.00} or more by XXXX/XXXX/XXXX. 

I have met all the terms outlined in the promotion, but have not yet received the bonus. I contacted Capital One and they have informed me that I will not be receiving the bonus, with no explanation. 

Account Opening Date : XXXX/XXXX/XXXX {$5000.00} Deposit Check : XXXX/XXXX/XXXX {$5000.00} Deposit Check : XXXX/XXXX/XXXX This is my first Money Market account with Capital One. The terms of this promotion are outlined clearly and I have met all the requirements.
I have previously submitted a complaint about Shellpoint deliverying confidential information, including demand letter and intent to accelerate letter to my home which is not my mailing/billing address of record. My home is currently occupied by a family member and just today a messenger went to the home and asked to speak with me and advised my family that it was regarding a delinquent payment ( incidently it was for XX/XX/XXXX payment which is in their system to be paid, leaving the account 22 days past due. 

I complained before when they sent a messenger, and shared private and confidential information with someone other than myself. I asked them to cease and desist sending documents and people to this address and they have not even had the professionalism or business courtesy to respond to my complaint. These people are incompetent and have a loan shark mentality for collecting or barely delinquent payments. Unacceptable
Wells Fargo is FRAUDULENTLY sending communication via regular mail. 

The date they print on the letters is NOT the date they actually SEND the letters. I have found many cases that they are mailing letters XXXX 10 days LATER than they are printing the date on the letters. This is FRAUDULENT as many times they expect a response within a certain # of days from the date of their letter. They are BACK DATING the letter or failing to mail it for MANY days. 

This causes a lot of trouble for people like me.
I came to the branch to make a deposit and it took a very long time because there was only XXXX open. It 's the XXXX of the month and the branch is not prepared to handle the customers
I have close to {$100000.00} in student loan debt, {$20000.00} of which is funded by Sallie Mae/XXXX. 
Sallie Mae/XXXX refuses to work with me and demands that I pay {$320.00} a month or more on this debt with 10 % interest. Everytime I call a representative tells me that is my only option, or I can default. Then they state that if I default there might be some help for me but they do n't know, and there 's nobody I can talk to about it. It is unbelievable
I am requesting that EQUIFAX remove tax lien # XXXX ( filed date XXXX ) that is listed on my credit report in the amount of XXXX. 
I have disputed this tax lien several times with EQUIFAX in the last year. The attached tax lien only shows the last 4 digits, no dob, and an address that I 've never lived at. The National Consumer Assistance Plan ( NCAP ) states liens must have a full name, address, SSN ( full SSI, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the NCAP new rules that went in effect this past XXXX. I called EQUIFAX in XXXX XXXX and told them it does not meet the new rules, but they refused to delete it and advise me it would remain on my credit report. How can they just ignore the new rule? 

I told the operator that I was left with no choice but to file a complaint with the CFPB. I 'm requesting CFPB 's assistance in getting this tax lien removed from my EQUIFAX credit report. Thank you!
On my equifax credit report it states in the status section that my XXXX account is a charge off. I paid this card off in XXXX 2014. It has been reporting incorrectly since I paid off the card. I have called finger hut and they do not know why it is being reported incorrectly. The status is not a charge off. This was paid off.
XX/XX/XXXX I had a medical procedure completed at XXXX XXXX in XXXX, IL ( part of XXXX and recently acquired by XXXX XXXX ). At the time I had the procedure done, I thought I had insurance. Since I had not received a bill from the hospital, I did not know there was anything still outstanding. 

In XX/XX/XXXX ( over 2 years later ), XXXX sent me a bill for the first time stating that XXXX XXXX XXXX XXXX ( XXXX ) had paid the bill, then took the money back on XX/XX/XXXX. 

I immediately called XXXX and filled a hardship application, which was approved for 100 % financial assistance on XX/XX/XXXX. 

I also filed a complaint with the Illinois Department of Insurance ( IDOI ) against XXXX. My claim against XXXX was reviewed, and they repaid the insurance portion on XX/XX/XXXX. 

I immediately contacted XXXX XXXX to inform them that my efforts had resulted in them recouping the {$4400.00} back from XXXX. XXXX XXXX acknowledged that they received the XXXX payment. 

On XX/XX/XXXX, XXXX XXXX issued me an invoice for the 20 % co-pay that XXXX did not cover {$240.00}, even though the entire amount of {$4700.00} had previously been written off. 

On XX/XX/XXXX, I received a collection notice from Nationwide Credit and Collections for the same {$240.00} - even though I have a written letter from XXXX XXXX stating that I owed nothing. The financial assistance letter states it is good for XXXX months, so clearly it is still in force. In addition, my account was sent to collections apparently the same day I was sent the invoice ; and I was never even given an opportunity to resolve the issue with XXXX XXXX before they sent my account to collections. 

Also on XX/XX/XXXX I attempted to contact a manager at XXXX XXXX / XXXX XXXX, because clearly there is a procedural problem with their billing department. When I called the billing number XXXX, I was told that I could not have that information. I have tried searching online for the information and there is no clear way to contact anyone at the executive level to bring this to their attention.
I bought a car while I was in the process of filing chapter XXXX bankruptcy in XXXX. I finance the car through Tidewater Finance Company. It was a XXXX XXXX XXXX. Because my chapter XXXX had not been completed and discharged when i purchased the car, it was also included in the bankruptcy. I fell on hard times in XXXX and the car was voluntarily repossessed because the motor went out and I did not have the money to repair it. Even though it was included in the bankruptcy, they still continue to come after me and will not remove it from my credit report. This is not right. They resold the car and got there money. I want this permanently deleted off my credit report please.
ON XXXX/XXXX/16 MIDWEST RECOVERY SYSTEMS SUBMITTED A DEROGATORY ENTRY ON MY CREDIT REPORT FOR XXXX $ BUT AFTER A COMPLAINT TO THE ( CFPB ) THE ORIGINAL CREDITOR [ XXXX XXXX XXXX XXXX ] RECALLED THE DEBT FROM THEM AND THE DEBT WAS FORGIVEN FOR XXXX $ ACCORDING TO XXXX XXXX XXXX RESPONSE ON XXXX/XXXX/16 .THAT IS A + DIFFERENCE OF XXXX DOLLARS THAT MIDWESTERN RECOVERY SYSTEMS TRIED TO EXTRACT FROM ME ILLEGALLY.I DEMAND THAT MIDWESTERN REMOVE THE NEGATIVE ENTRY ON MY CREDIT REPORT BECAUSE THEY NO LONGER HAVE THE AUTHORITY OR PERMISSION TO ACCESS MY CREDIT REPORT FOR ANY REASON DUE TO THIS DEBT BEING RECALLED FROM MIDWESTERN RECOVERY SYSTEMS AND FORGIVEN.
I have filed a number of complaints against Sears MasterCard and again I find the company has charged me a late fee of {$35.00}. XXXX when in fact a check was written for the amount due and postmarked with at least a week prior to due date. I am referencing check number # XXXX in the amount of {$340.00}. It appears Sears MasterCard did not process the check until after the due date leaving the consumer to pay its late fee.
The lender continues to attempt to collect on the debt without validating the debt after I sent a formal request. They continue to violate the Fair Debt Collecting Practices Act. The are also continuing to charge interest without substantiating the debt.
I XXXX XXXX have recently gone through a great deal of personal hardship. This hardship was caused initially from a XXXX my husband had, along with his fight against XXXX. Various credit cards I owed on could no longer be paid upon. One of those is the account I am requesting a reasonable settlement on, along with a heart felt explanation of the facts surrounding my own financial hardship. I therefore request XXXX/XXXX to submit a reasonable settlement to my account with them, something in the range of {$2000.00}. I do not have the desire to file a personal bankruptcy if necessary, but I would hope that could be avoided. I request an offer in compromise in written form only over the next ten business days.