WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to request assistance with XXXX. I believe that the accounts they are reporting are incorrect. 

I recently pulled a copy of my credit report on-line and found that they are reporting the following inaccurate information in my file that is negatively affecting my credit score. 

Account Number : # XXXX Reason : Not my account/Inaccurate information - After careful review of my credit report. I have verified that this loan does not belong to me. I never authorized this loan. Please remove this from my credit report immediately. 

Account Number : # XXXX Reason : Your company has not provided me with a signed agreement by me that shows the original loan features of the loan, that states the repayment options, interest rate or with any other terms an conditions of the loan. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
The insurance company XXXX ( XXXX XXXX XXXX , XXXX ) advised that the claim was filed and they requested numerous times from the hospital additional information that they did not receive to process the claim. The Hospital ( XXXX XXXX ) states that the insurance company needed a medical release form for any pre-existing medical condition from me and that was holding up the processing of the claim. The insurance company was provided a medical release from me when I purchased the insurance policy to review any pre-existing conditions and they never requested from me an additional medical release so that information is untrue. The hospital turned the debt over to Transworld Systems Inc., who has never contacted me only reported it my credit report the incorrect dates for services and amounts and I have contacted them several times about this and they advised that XXXX XXXX has confirmed that they have the correct dates and amounts which is untrue. When I contacted XXXX XXXX they gave me different dates and amounts which I have recorded. Additionally, in one of my most recent telephone conferences with XXXX XXXX I was advised by a billing supervisor that they claim was not filed correctly and that this account would be wrote off their books. The hospital also filed the claim with XXXX XXXX and XXXX XXXX insurance companies neither of which I had medical insurance with. The dates I was in admitted for observation are XX/XX/XXXX and XX/XX/XXXX. The billing statement sent to me from XXXX just a couple weeks ago shows billing charges for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which are incorrect. The collection agency has the amount of XXXX to be collected on my credit report and the hospital is stating that I owe XXXX that include charges for dates that I was not even in the hospital and the year as XX/XX/XXXX not XX/XX/XXXX. I have tried several times to get this matter corrected and neither the hospital, the insurance company nor the collection agency are willing to help. I advised them that I would be filing complaints with the Missouri Attorney General 's office, the FTC and the XXXX XXXX XXXX. The billing supervisor at the hospital advised me that I should also file a complaint with the state health medical insurance agency also and laughed. This is almost 6 years old and I am tired of fighting with the hospital, insurance company and collection agency. They know what they are doing is wrong.
I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. 

<br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XX/XX/2018<br><br> These inquires need to be deleted from my credit reports as soon as possible
On XXXX XXXX XX/XX/XXXX after several months of paperwork we closed on our home with XXXX WHOLESALE CORPORATION. I was asked to sign hundreds of papers with little or no time to review any of them. At that moment I was pressured to get the closing done. We provided 10 % of the value of our home and our mortgage was {$1400.00} plus a MIP of {$390.00} or {$1800.00} per month with an interest rate of 2.5 %. By the end of the fifth year payments blew up to {$2800.00} plus {$390.00} of MIP to {$3200.00} per month. Just the mortgage grew 127.20 %. 
During that process XXXX sold our mortgage to several other banks including CountryWide Home Loans and Bank of America. 
Before the 127.20 % increase in our mortgage payment came through we requested Bank of America to refinance and their response every time was " you are paying on time we ca n't help you ''. We kept on calling until XXXX Bank of America representative stated that the reason they were unable to help us was because we were current with our payments and we needed to be in default for them to be able to help ''. 
Based on those instructions we defaulted and 60 days later re-applied through the Home Affordable Refinance Act XXXX times. Even thou we fulfilled 100 % of the criteria BOA refused to refinance and proceeded with a foreclosure. 
Since we found the whole situation building up against us we hired an attorney and we did a compliance stress test of our mortgage with a certified reputable Loan Analyst for the RESPA and TILA and the result stated that the mortgage generator and its successors violated many RESPA and TILA federal and state statutes. 
We filed a counter claim at the court stating that not only the mortgage note are unforceable due to direct violations of TILA but also of the HOEPA and failed to deliver a notice of acceleration to us the homeowners violating the Federal Debt Collection Practices Act and also Bank of America breached the mortgage agreement by force placed insurance in an amount in excess of that required under the mortgage. The mortgage also understated the finance charges and annual percentage rate violating the Truth in Lending Disclosure Statement at the time of closing. 
To top all that we requested a Home Equity Line of Credit for {$100000.00} which Bank of America provided even though our home did n't have enough equity. Throwout the life of the HELOC we paid it in full several times and Bank of America kept on lending us money even there was not equity to support that loan also known as predatory lending practices. 
Even after Bank of America tries to foreclose in our primary residency and put our family on the street, we made and arrangement to pay the {$110000.00} HELOC and we satisfied that mortgage on XXXX XXXX XX/XX/XXXX
MidCountry XXXX sold my loan to another company " B '' on XX/XX/XXXX. I received two XXXX forms from both companies in XX/XX/XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XX/XX/XXXX. I reached out to MidCountry XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. The same thing happened when I contacted company B. 
In total, I spent more than 4 hours talking to both companies back and forth multiple times, which was a very frustrating process. 
Eventually, MidCountry XXXX admitted they made an error on the XXXX form on XX/XX/XXXX, which negatively impacted my tax return filing for XX/XX/XXXX. The staff apologized to me in email. However my request for a compensation of my time : $ XXXX/hr * 4 = {$240.00} from MidCountry XXXX for their mistake was completely ignored.
I graduated from  XXXX   College in   XXXX    XXXX  . Soon after graduation  XXXX   XXXX   (  now Navient  )  said that I needed to pay   XXXX   XXXX   /  month. I  told them that was impossible and I needed a lower payment. They said I took out a lot of money and there was nothing they could do so I did n't pay anything. I contacted a load consolidation company and as soon as they tried to start helping me  XXXX   XXXX  contacted me, after killing my credit and said they had found a new option for me. They lowered my payment to around  $ 350/ month an d said it was an income based program. That did n't even cover the interest payment each month so my amount due never decreased but continued to increase. About a year later my payment jumped back to aroun d $ 750/month. I  called again and said I ca n't afford that. They then set me up for paying interest only payments, which was then   XXXX   XXXX   /mon  th. I  struggled but I paid that for about 2 years after that it now jumped back t o   XXXX   XXXX  /  month. I  said I still ca n't afford that and they told me my only option I have left was to extend my loan for another 25 years because I had exhausted all of my other options.   They are so unfair and unrealistic. My total amount due has barely budged since I graduated. I borrowed a total of {$72000.00} and to date I still owe them  XXXX . They are robbing all of us and something NEEDS TO BE DONE!!!!
I was charged in error for items I never received and it took the company ( Sears ) several months to resolve and refund this charge. I took out a Sears card to purchase a washer/dryer that they never delivered/installed. I have a different mailing address than my residence ( safety concerns ) and I received the bill slightly late as I was not expecting one at all. I called Sears Citi Card immediately, and they told me I needed to take my concern to Sears, that the entities were entirely separate. I was not informed at this time that unless I contested the charge within 60 days of the first statement, I would owe late fees and interest. I was not told that this is the reason that they denied my request to remove the late fees, but I can think of no other reason. 
I struggled with Sears customer service repeatedly and was told they could do nothing. Finally I emailed the Sears executive office, they managed to discern that I was charged completely in error and refunded the charges. However, Citi Card informed me that I still owed the late fees. I circled back to Sears and once again was told they could do nothing. I purchased nothing, I wanted the card cancelled the moment I requested a refund, however was told that it could not be cancelled until all of the charges were cleared off. 
I have been dealing with this issue for 5 months now. It has been an unwelcome demand on my time and attention at a time when I have just moved and started a new job. It feels like I have to work very hard just to watch out for being victimized. These " late fees '' for no purchases, no activity, seems predatory.
I have been paying ChaseXXXX XXXX of my total Gross income ( which totals XXXX of my Net income ) each month for XXXX years. I contacted them today to see if there was any way to lower my payments for a short amount of time to allow myself time to catch up and pay off other items as well as create a savings account cushion. The representative I spoke with told me I could apply to have my payment cut in half for 3 months, after which the monthly payment amount would greatly increase. This seems completely unfair to me as I am simply asking for a small amount of assistance because I pay so much for the loan already, to raise the payment by a significant amount because I need help feels like a punishment.
On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and XXXX ( XXXX ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
After completing the requirements, on XXXX XXXX, 2016 I messaged Citibank via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. Citibank confirmed that the requirements had been met and that I should receive my XXXX AAdvantage miles by the end of XXXX 2016. A copy of this communication from Citibank confirming enrollment in the promotion and completion of the requirements is attached. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded, despite them having been promised by the end of XXXX 2016. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank. I am also attaching XXXX additional online chats I had with Citi inquiring into my missing bonus and Citibank 's response stating I would not be receiving my missing bonus.
Too Whom this May Concern On XXXX XXXX XXXX PayPal Inc contacted me via phone and email stating that as of that day a hold of 5 % of all transactions would be held for 90 business days, also a minimum of {$10000.00} would be held from my account for 180 business days. PayPal is licensed in the State of Florida as a Money Transmitter Service with License number XXXX expiring XX/XX/XXXX. Florida Statute 560.208 Section 5 states Shall, in the normal course of business, ensure that money transmitted is available to the designated recipient within 10 business days after receipt. I have sent several emails to PayPal and PayPal executives/supervisors/customer service requesting my funds to be released and did not receive a response. I finally received a phone call today XX/XX/XXXX in response to my request and complaints. The customer service agent I spoke to denied my request and specifically stated PayPal operates out of California and does not recognize Florida state law. I disagree. As a licensed business/service in the State of Florida, Paypal should be held to the same standards and laws which accompany their Money Transmitter License and their privilege to conduct business in Florida. I feel that any reasonable person would conclude that holding such a high balance for 180 days is excessive. and may be viewed by some as punitive or as already stated, an unnecessary abuse of power. This is also contrary to the laws set forth by the Florida Office of Financial Regulation. I have been very patient in this process and have requested on numerous occasions for the return of funds. I am simply seeking a resolution that is fair and in accordance with Florida State Law, the State I live and conduct business in. Thank you for your time reviewing my case.
Hi, I took out a payday loan for about {$270.00} from XXXX XXXX here in XXXX, Oregon. The date was XX/XX/2013 I paid them back within 2 weeks and they never credit my account. I went to check my credit report and they don't have a copy of my payment and they sold the account to Ad Astra.

Ad Astra Recovery, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, KS XXXX Account # : XXXX I never had a contract with Ad Astra, they don't have my records and I can't understand why they are there on my credit report. I have called numerous times and they just give me the run around. 

XXXX XXXX
Experian has reported incorrectly a judgement that I have satisfied as still owing. This information has hurt my ability to get new credit and need them to update my report. I have tried through other means ( XXXX XXXX ) to have it removed or to have it show as " satisfied : or " paid ''. 

Please help! 

Respectfully ; XXXX XXXX XXXX
I took out a vehicle registration loan some months ago. My intention was to work for a couple of months to pay it off. However I developed some health issues that prevents me from working and now I do n't have the income to get ahead of this loan. I am being charged 180 % interest and can only maintain the balance at around {$650.00}. It is not a huge sum but for me it is impossible to pay off. What can I do?
I received a letter from ARS. They were notified that the debt does not belong to me. I requested validation within 30 days, which I received 3 months later a statement for an address I have n't lived for at least 7 years. I asked for proof of whom and when the fraudulent account was opened and never received that. My mother faxed over documents to them and they sent a letter for me to my mothers job. I want them to STOP sending collection noticies to my mother 's job ... ( XXXX XXXX XXXX XXXX ). I gave them my PO Box address to send any communication ( XXXX XXXX, XXXX, NY XXXX ). I want to receive proof of whomever and when this account was opened and I want to stop the harassment collection actions and also to have them remove the fraudulent information off of my credit reports.
- I am XXXX years old and have a combination of personal and business checking accounts - Have NEVER bounced a check ; NEVER wrote fraudulent checks ; have excellent FICO ( latest is XXXX ) - I created a new C-Corporation on XXXX XXXX called XXXX XXXX XXXX XXXX XXXX. 

- I wanted to open a new business checking account online - I submitted my application and uploaded my passport info ( see attached ) - I then got a email asking for Articles of Incorporation, etc ( which is perfectly fine ) ; these were to be due on or before XXXX/XXXX/XXXX - I have been traveling and was going to submit by XXXX XXXX - I have 2 credit cards over 10 years old with CapitalOne in perfect standing - I received a cryptic email from CapitalOne ( see attached ) " denying '' me the ability to open a business checking account ( NO explanation as to " why '' ). It stated : Weve carefully reviewed your application, as well as individual and business reports from third party sources. Unfortunately, we cant complete your request at this time. '' - I called them and stated your email references " business reports '' What business reports? I just opened the corporation a few days earlier. I also stated I had not had a chance to upload the remaining documents yet as it is not XXXX/XXXX/XXXX yet. They stated that has nothing to do with it. I was denied and they were not going to tell me why. 

- I asked for them to provide me the REASONS why this was denied. They stated they did not have to. I stated per FCRA I have a right to know if what you are viewing is accurate. They said this is a not a line of credit. I stated exactly ... .it 's just a plane old bank account. My credit is stellar and I do not have a track record of business yet transactions yet ... ... so WHAT was the reason for the denial? They refused to share. I stated how can I be sure there is not an error in what you are looking at if I can not verify what you are viewing is accurate. They stated too bad. 

- I feel I am being discriminated against - All I simply want is either the SPECIFIC reason as to why I was denied or a copy of the report ( s ) they used to make their decision, and I can not for the life of me understand what the issue is. I have NEVER had any issues with any banks.
I purchased a reservation for 3 hotel rooms on XXXX on XXXX XXXX, 2017. The reservation did not meet the criteria being offered so I attempted to cancel the reservation both through XXXX and capital one. XXXX refused to cancel the reservation. Capital One was n't able to offer me the refund after they contacted priceline. XXXX cancelled the reservation with the hotel assigned after the dispute was initiated. I was n't able to use the hotel that I booked on XXXX and was still billed for the service.
Account open XX/XX/XXXX with XXXX which is reporting late payments of 90 days past due or more, which is incorrect. I was in school from XX/XX/XXXX to XX/XX/XXXX and was in deferment until I started back school which was XX/XX/XXXX thru XX/XX/XXXX and XX/XX/XXXX thru XX/XX/XXXX. In between those times my account were in deferment status.
Commerce Bank sent me mailers offering a {$300.00} bonus if I opened a checking account. I complied with all the terms but the bank did not pay the bonus. They tried to find all sorts of excuses for not paying the bonus. After I refuted all the excuses, they stopped answering me.
Someone has stolen my identity and my bank account information. They have used this stolen information to open an account at MoneyLion ( XXXX XXXX XXXX ) and take a loan out in my name. I have called XXXX three times reporting the fraud that has occured, get them to halt the {$500.00} bi-weekly withdrawals from my XXXX account, and to get basic information about what the fraudster has done there ( how much of a loan did they take out, what addresses are they using, stop taking money out of my account, etc. ) to no avail. The MoneyLion agent on the first call ( XX/XX/2019 ) said they would send my information to their fraud department and I should hear back within 48 hours. Didn't hear anything. XXXX XXXX another {$500.00} was drafted from my account by Moneylion. I called back. I explained again what was going on to the agent. They put me on hold, then disconnected my call. I called again. Same thing. I explained the whole thing again, magically my call was disconnected. The third call I spoke with another agent. I asked to speak with management. This agent, said that there is no management to speak with. He said that he saw in my notes that I placed a call on XX/XX/XXXX about the fraud. He then said that the XXXX department put my request on hold because I had not filled out the fraud affidavit MoneyLion sent me yet. I then told the agent that I had not received an affidavit because they probably sent it to the fraudster since the person I spoke with on XX/XX/XXXX didn't ask for my address or email. The agent today ( XX/XX/XXXX ) then took my information down - home address and email- then he said he would fill out the form for me in order to escalate this so I could get some help. At this time I still have not received a phone call, email, anything from Moneylion and they have successfully taken {$1000.00} from my account. All this while they refuse to give me any details about what the fraudster has done with my information at Moneylion ( did they take a loan out, open a bank account, what??? ). Please help!
On XXXX XXXX, XXXX, I submitted to OCWEN a Escrow Termination Request. After calling Customer Service @ Ocwen, I was advised to write and forward the request in writing. 

On XXXX XXXX, XXXX I received a denial letter from Ocwen ( attached ) stating due to " HAMP Guidelines '' my loan had to be escrowed for three years. 

On XXXX XXXX, XXXX, three years later, I submitted another Escrow Termination Request letter. Again, I was denied, stating due to " HAMP Guidelines '' my loan had to be escrowed for five years. 

After several calls, complaints to XXXX, Obudsmans office, I was finally told by the Obudsman office that it is not a HAMP guideline but an OCWEN guideline that they are enforcing. 

My concern is the fact that OCWEN continuously states it is a HAMP guideline when it is not! What OCWEN is claiming to be HAMPs guideline is : " The account must be escrowed as a requirement, and the escrow account may be waived at the servicer 's discretion. '' This is not stated in my terms and conditions as " guidelines '' to my loan. 
Being waived at the servicer 's discretion has no time frame on it ( 3 years or 5 years ). My concern is at the 5 year milestone, they could deny me again with another stipulation. I believe this is unlawful. 

I meet all of the qualifications of an Escrow Termination. 
1. The account must not be delinquent within the last 12 months. 
2. The current loan to Value ratio must be less than XXXX % 3. The escrow balance must not be negative 4. Taxes and Insurance must not be due with the next 45 days 5. The account must not have an active Lender Placed Insurance Policy 6. If waiving tax escrow, all tax lines must be waived, Similarly, if waiving hazard insurance escrow, all hazard lines must be waived 7. All waiver request mush be received in the form of a written request from the borrower. 
If you could PLEASE assist me in terminating this escrow account, it would be much appreciated. 

Regards,
These medical accounts should not be on my credit reports they all are under 180 Days please Remove Off My XXXX credit report due too hippa violation!!!