WillisBack/dataset-financial-user-claim huggingface dataset:
Sent first dispute letter to Financial Adjustment Bureau ( XXXX, IA collection company ) in XXXX regarding XXXX bills on my credit report. Received multiple pages of printouts from their own computer system, along with some type of copy of medical bills, XXXX of which violated HIPPA law, not XXXX contained my signature. Have time/date prints of my credit reports showing failure to report dispute to credit bureaus within 31 days. Sent followup letter, XXXX, again disputing and asking for validation according to federal law, received a single printed page ( dated XXXX ) from them stating amounts, now with interest/service charges, and a brief statement ... '' '' Thank you for your letter. We sent information to XXXX today to report the above accounts as disputed. We did provide you with validation of debt for these accounts and will not be removing them from your credit report. You received the services and are responsible for payment. '' '' Very appalling from these " professionals '' in the business since XXXX, especially when, in my dispute letter, I pointed out what validation means. Not to mention the consumer address on the HIPPA violation was never mine, there are multiple people with same name and close to same age as myself on the county 's on-line court records, I can not get credit bureaus to remove this address from my report with this collector reporting the address to the credit report under my SSN. Multiple federal laws broken, yet they still want to act as if they are in the right.
I originally consolidated all of my student loans and began repayment on XX/XX/XXXX. 
Loan was transferred from XXXX to XXXX with whom my loans stayed until being approved for PSLF program XX/XX/XXXX. During this time XX/XX/XXXX-XX/XX/XXXX, I paid an average of {$300.00} monthly on original loan of {$96000.00}. 

Following my approval and application acceptance to PSLF my loans were transferred to Fedloan Service. For the past 12 months XX/XX/XXXX to current, my payments have roller coasted from {$270.00} to {$630.00} to {$830.00} among other amounts. Fedloan reps have given me various different reasons for the changes. 

However, Fedloan does agree that after reviewing my loans I had a parent plus loan which excludes me from any IBR or ICR special programs. After asking for a copy of my original Master Promissary Note to confirm that I did check/choose consolidating the parent plus loan, Neither Fedloan or XXXX can locate the consolidating document. ( I originally thought my daughter had paid off that loan and removed it from my loans. ) I do not know if that {$9000.00} was even checked/marked to consolidate. 

Throughout these years I was never given any advice on how to consolidate or what would be beneficial to my situation, I paid my monthly bill without question. My loans now total {$110000.00} and I feel very taken by loan servicers. 

I continue to wait for a return call from Fedloan Ombudsman for his assistance on the new legislation which excludes plus loans as being a disqualifier for IBR payments. This would be accomplished through reconsolidation and result in my elimination of PSLF 3 years of payments, but lower payments, Fedloan service reps stated this was incorrect information and I could only reconsolidate if I had a new student loan. This resulted in a dead end for helping me. 

I would like to remain on PSLF and be eligible to continue on an IBR payment plan as I was prior to beginning the PSLF process.
identity theft XXXX XXXX XXXX opened XXXX with a balance of {$6200.00} is not her account XXXX Opened XXXX XXXX high balance {$2100.00} is not her account XXXX XXXX   Opened XXXX XXXX high balance {$4500.00} is not her account XXXX XXXX Opened XXXX XXXX high balance {$1000.00} is not her account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX is not her account XXXX XXXX XXXX XXXX Opened XXXX high balance {$250.00} is not her account XXXX XXXX High balance {$870.00} Opened XXXX XXXX is not her account XXXX XXXX High balance {$260.00} opened XXXX XXXX is not her account CHAPTER-XXXX Reference number XXXX discharged XXXX is not her account XXXX XXXX High balance {$1000.00} Opened XXXX XXXX is not her accout The XXXX XXXX High balance {$690.00} Opened XXXX XXXX is not her account
Originally my student loan was handled by XXXX XXXX. It has been handled by Navient most recently. I have been paying on my loan for 14 years and I have noticed that the amount I still owed on my loan has been going up. I went from owing {$88000.00} to now owing over {$90000.00}. I have also just realized that my payment is paying the interest on the loan and almost nothing is being paid to the principal of the loan at all. I feel like after 14 years I should have paid some of the balance. My payment has been between $ 500-700 a month for the past 14 years. It is very distressing to learn I now owe more than I originally borrowed. I have tried to talk to them and keep getting a story of why this is and at this point I feel like I will never pay off my loan. I am in my XXXX 's now and I did not anticipate I would still be paying so much. I have no idea where to turn to for help and if it is even legal for them to do this.
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 patients authorization. Therefore, my request is twofoldvalidation 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 send this information to my address listed which I 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.
XXXX Disputed with XXXX XXXX, failed to provide any proof and I had no knowledge of these debts.. 
XXXX Disputed with XXXX XXXX no info provided advised info was correct XXXX  and XXXX have investigated and removed collections
XXXX as Trustee wrongfully foreclosed on our home. 

1. XXXX is named indispensable party in Federal complaint. XXXX as Trustee wrongfully answered the complaint. XXXX did not answer complaint. 
2. Attorney for XXXX represented different corporate entities regarding XXXX in XXXX XXXX XXXX Court. 
3. Loan was still in original XXXX XXXX trust after the foreclosure and sale indicating the loan had not been satisfied and removed from the trust as the Pooling and Servicing Agreement ( PSA XXXX states should have been removed or replaced by a similar loan. 
4. No original note was filed in any court and note was not assigned to XXXX. 
5. Only a fraudulent XXXX assignment of Deed of Trust was presented in court. 
6. No corporate disclosure for XXXX was filed in federal court. 
7. XXXX Memorandums from XXXX should not be used in any foreclosure actions. This should verify beyond all claims that XXXX, as Trustee committed a wrongful foreclosure. 
8. Representative of XXXX states that XXXX has no equitable interest in any of the loans that it is trustee for. 
9. XXXX, as Trustee claimed to be owner and holder of XXXX loan in federal court. Memorandums presented by XXXX show XXXX, as Trustee is not. 
10. Attorney for XXXX falsely claimed that documents presented were original, true and correct and they were not. This attorney contradicted his statements regarding same which upon information and belief could be considered perjury. 
11. XXXX is registered to do business in Tennessee. XXXX, as Trustee is not registered in TN. 
12. Fraudulent documents were consistently produced by attorney for XXXX, Litton loan, etc., but were claimed to be true and correct throughout the federal complaint. 
13. The XXXX never received any notification that the loan had been satisfied. 
14. The XXXX never received any IRS form XXXX from any entity connected with their loan. Upon information and belief, this could be considered tax evasion by these entities.
My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit. 

XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX CARD XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX CARD XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX
Wells Fargo loan officer XXXX XXXX breached her fiduciary duty and gave me a bad loan 10 years ago with a fixed rate of 6.75 % with no amortization. It is obvious she was looking after only her interest in gaining a big bonus for getting me into a bad loan. In retrospect, the loan I had before I refinanced the property was a better loan. The loan officer refinanced me with new bad loan with a fixed interest rate of 6.75 % interest with no amortization. The loan was also not covered by either XXXX or XXXX XXXX so I can not refinance under the HARP program. I originally purchased the property for {$490000.00} and the property is now only worth around {$420000.00} and I do not have enough equity to refinance the {$370000.00} loan. 
During the past 10 years, I have complained to over twenty Wells Fargo loan officer about the bad loan. For over 10 years, I have lost over {$1000.00} each month on the property because my loan payments have been around {$2500.00} per month, but my rental income was only about {$1500.00}, and I could not refinance. I will be XXXX years old in XXXX, and we rely solely on our modest social security and XXXX pension incomes for our survival so this bad loan has created an extreme hardship and a real nightmare on our limited budget. 
My loan is finally scheduled to reset in XXXX XXXX when I understand my current interest rate of 6.75 % could drop to a lower variable level and there would be amortization. I would like Wells Fargo to accelerate the reset date as soon as possible before XXXX XXXX so I can get immediate relief from the negative {$1000.00} per month negative cash flow. My wife and I both have XXXX scores above XXXX so we are very responsible in paying our bills. We have also been loyal Wells Fargo customer for over 50 years when we purchased our first home in XXXX with a Wells Fargo mortgage. 
Any help you can provide would be deeply appreciated. 

XXXX Cell : XXXX
The XXXX XXXX XXXX called me about a debt that I owe. I told them I needed to talk to my wife about the settlement offered and would call back. LESS than 40 minutes after speaking to XXXX XXXX, she called my wife with a very demanding tone asking for our debit card information. My wife asked her to verify the debt and provide the settlement in writing, XXXX XXXX refused to do so. She stated that the debt had to be taken care of right then. My wife told her she would call her back. The next day after my wife and I talked, my wife called back and left a message to pay the offered settlement. No one called back. XXXX XXXX then called her back on XX/XX/XXXX while she was driving. My wife told her it wasn't a safe time and they agreed that XXXX XXXX would call back on Saturday while she was in the office. On Saturday XX/XX/XXXX, XXXX XXXX did call back but at XXXX and XXXX. These times go against our rights as consumers, given to us in the Fair Debt Collection Practices Act. My wife called XXXX XXXX back to let her know that she was ready to pay but that she was also going to file complaints with the proper offices. At this time XXXX XXXX refused to take payment and told my wife she would note the account and disconnected the call. My wife called back and asked to speak to a supervisor, she spoke to XXXX XXXX. XXXX refused to answer my wifes question about the law regarding the times a creditor can call. He also refused to take payment for the settlement and disconnected the call. We would have liked to have settled the debt today. But we also feel that this " agency '' has handled themselves unprofessionally and has broken more than 1 of the Acts protective features for the consumer. And they have refused to take our payment for the settlement of the debt at this time, once we stated we would be contacting the proper offices about their wrong doings.
We are business and private customer at Bank of America since 2008 in good standing. About a month ago we have received a phone call and were requested to provide personal sensitive information like our social security numbers, etc. over the phone in order to update our customer profile. We denied to give out this information by phone but called Bank of America immediately to take care of this update. Our information had not changed, but we received the information by phone that the update was taken care off. On XX/XX/XXXX we received 5 different letters from Bank of Amerika : XXXX of our credit cards had been closed, XXXX of our checking/saving account would be restricted due to missing personal information. We called Bank of America again, provided more information, until everything was supposedly resolved. When we tried today to pay our Credit Card Statement we learned that our business credit cards were closed. Today we lost 5 hours talking to different agents at Bank of America who were all very friendly but who could not do anything else than apologize and telling us that these are all compliance reasons. Why can we get a letter by mail that our accounts are closed but not a letter that there are still certain points that have to be clarified before the account is closed? At this point we are really upset and not feeling treated as " VALUED ' customers ( like Bank of America always tells us ). We want to make sure that this matter is taken care for all our accounts now before our other accounts are blocked / closed also. We are really disappointed that Bank of America is " playing around '' with our accounts just to get information and not considering in one single moments that they are affecting our business and private banking in a very negative way.
I refinanced my mortgage. I originally had PMI on the mortgage. But after the refinance there would no longer be PMI. My loan was paid off  XXXX   XXXX . On  XXXX   XXXX  the mortgage company took out a PMI payment for  XXXX , since it is always paid in arrears. Then, again, on   XXXX   XXXX   the mortgage company took another full PMI payment, this  XXXX  for the month of   XXXX  . I challenged that since I only had the loan for 4 days in  XXXX  and I believe that month should be prorated. The mortgage company argues that I have to pay for the full month yet the can not provide me with documentation for my loan where this is allowed or where this is even legal or where I ever signed any type of acknowledgment of this practice. I am requesting a refund of my {$180.00} prorate for the month of  XXXX .
I leased a new Mazda 3 from XXXX XXXX, financed by Chase Bank. I made payments on time, paid off the lease a few days early, and leased a new Mazda 3 with the same companies. When I was setting up the automatic payments with my credit union, I made an extra payment because I was n't sure that the set up would be working in time for my next payment. It was, and now Chase Bank will not return this extra payment. The payment amount is {$240.00}. The listing of payments provided by XXXX, shows that I made XXXX payments and it shows the residual payoff to be less by that amount, so XXXX either kept my payment or passed it on to XXXX XXXX when they sold them the car for resale. Additionally, both companies " dinged '' my credit report resulting in a point loss, despite my having done business with both of them in an exemplary manner for three years. Very unfair actions!
I financed some items from USA DISCOUNTERS in XX/XX/XXXX while I was stationed at XXXX XXXX in XXXX State. I started soon after getting calls at work asking to speak to my supervisor. A women called my office XXXX times a day telling my supervisor my account was late and how much I owed to them. I returned their call and asked them not to call my job. They continued to call and tell anyone who answered, my detailed info about my account. I talked to someone in the debt section and I was told that my account was n't over due yet but it would be in 30 days. I asked so why all the calls? I was told because my full payment was short by {$45.00} and if not paid I would be over due. I paid the money. Shortly after I was placed on orders to XXXX XXXX and sad to say, I was going through a divorce. I called USA DISCOUNTERS and told them my money will be short because I no longer have XXXX incomes. I fell behind on payments and I received a court sums soon after saying I was being sued in XXXX courts. I never bought any items in the state of XXXX and I was still stationed in XXXX. I sent a letter to the court stating I was in XXXX. I never hear anything back from them. This XX/XX/XXXX, I retired from the XXXX. My account was frozen by USA DISCOUNTERS because of the lawsuit. I can not get any money out of my account which is my retirement. They are trying to garnish my retirement. I was told by my jag office that it could not be garnished but seems like they were wrong. I 'm currently living day to day trying to make it on what little money I have almost just change now. My account is frozen and I have medical issues I have to take care of and bills to pay but I ca n't. Just need help trying to figure out what to do.
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNT WITH XXXX CARD APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I was applying for an auto loan between numerous banks. Wells Fargo Dealer Services denied me because I did not meet the minimum age requirement. I received letters from XXXX financial institutions stating age was the only factor in denying me an auto loan. I have held on to these letters and I am submitting this request because I believe they wrongfully denied me credit. I am XXXX years old ( XXXX on XXXX XXXX ), which is more than within the minimum age requirement according to the Equal Credit Opportunity Act. I have supporting documents and am more than willing to provide this information**The Equal Credit Opportunity Act states : Consider your age, unless : you 're too young to sign contracts, generally under XXXX ; you 're at least XXXX, and the creditor will favor you because of your age ; it 's used to determine the meaning of other factors important to creditworthiness. For example, a creditor could use your age to determine if your income might drop because you 're about to retire ; it 's used in a valid credit scoring system that favors applicants XXXX and older. A credit scoring system assigns points to answers you give on credit applications. For example, your length of employment might be scored differently depending on your age. 
**
I am having serious trouble with a company called Equifax. I have repeatedly asked for my credit report. However, they have not provided it as they are lawfully required to do. They have not extended any service or any consideration whatsoever. I am FURIOUS that Equifax are not taking their obligations to protect my identity seriously. 

To provide some background, I am a US citizen that currently resides full time in the XXXX XXXX and part time in the United States. I file a US tax return every year from my residence here in the XXXX. I received a fraud warning document from the IRS in XXXX stating that someone used my social security number to obtain employment in the United States. In that letter, The IRS document stated that they STRONGLY recommend that I obtain my US credit report from the 3 major US credit agencies including Equifax as a matter or urgency. While my full time residence is currently in the XXXX, it is of PARAMOUNT importance that I protect the security of my US identity. 

I 'M EXTREMELY ANGRY. Can you please explain to me why a professional organization like the IRS is directing me towards a company like Equifax? I see on the news that they 've recently exposed the private details of millions of Americans. I 'm very concerned because I recently sent them my social security card, driver 's license and other private information to try obtain my credit report. Not only have they not fulfilled their obligation to provide my credit report, but now they 've potentially exposed my private information and made me EVEN MORE VULNERABLE TO IDENTITY THEFT. Why are you ALLOWING this to happen???

Please make this company take their professional and legal responsibilities seriously. I have sent them all the information they have requested, but they have done NOTHING to help secure my identity. I 'm WORRIED SICK. Please I pray to XXXX help me ...
Contacted ShellPoint in writing and informed them that my mortgage payment amount was not correct and if they did not correct my mortgage payment amount for XXXX, I would not be able to pay the higher payment because of them setting up a escrow account for me in error because they say they paid taxes when I sent them proof that I paid my own real estate taxes. 

I have not heard anything from Shell Pointe to make the correction.
I disputed on my second mortgage with Experian on XXXX which was included in a chapter XXXX bankruptcy in XXXX of XXXX. I have noticed that XXXX has been reporting in the Recent Balance XXXX $ and a current date of XXXX. I also noticed on other credit reports such as the XXXX in XXXX that it was being reported as Date of Major Delinquency First Reported and put the date of XXXX. I did not re-affirm this loan in the bankruptcy. My understanding is that from what I am reading that " After bankruptcy mortgage payments-current or late-do n't show on your credit. My results from Experian is that is will remain. My 1st mortgage with wells fargo under Recent balance shows the correct date of XXXX which is what it should say on safe credit union. XXXX informed me that they can not report any payments on the credit file. So why is XXXX XXXX XXXX reporting it. I would like to have it fixed. I have attatched screen shots of the reports.
Hello, XXXX XXXX XXXX ( aka XXXX XXXX XXXX ) is reporting the reporting the dates of an old debt as a current debt. My original debt was opened XXXX/XXXX/XXXX ( confirmed in their Account Summary Report ), however XXXX is reporting the date they acquired the debt XXXX/XXXX/XXXX ). I would like this information updated on my credit report to the correct dates. 
Sincerely, XXXX XXXX
I have asked the collection company for verification of debt multiple times. I have asked for signed documentation by me, XXXX XXXX, that the debt is in fact mine. The collection company has refused to send me any documentation showing that the debt is in fact mine. The collection company has refused to speak with me because they believe I have an attorney. I have spoke with my bankruptcy attorney to get documentation for the bankruptcy and the listing of PFC on the bankruptcy and that is the only contact I have had with an attorney. I was making monthly payments on the account until I realized I am already paying the debt with another collection company. I believe that the debt is not my debt and can not prove that it is or is not because PFC refuses to give me any documentation that the debt is in fact my debt. I would like a statement of account, and admission agreement or authorization of service on my account, proving that the account is in fact my account.