WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I went to the emergency department of XXXX XXXX XXXX in XXXX, AL due to inexplicable bleeding and pelvic pain. I didn't see a bill from the hospital in months and later to get out an abusive relationship causing me to move back to Texas in XX/XX/XXXX. When I moved back home to XXXX on XX/XX/XXXX, I changed my address so my mail could be forwarded to me. I never received any documentation from the hospital regarding my bill at my current address. The only thing I received was collection calls regarding the physician bill ( XXXX XXXX XXXX XXXX and I paid a settlement of {$100.00} on XX/XX/XXXX at XXXX XXXX  and given the confirmation number XXXX ). I figured everything was fine until I received another phone call on XX/XX/XXXX from Franklin Collection Services Inc. regarding my account. The representative I talked to couldn't explain what the bill of {$150.00} was regarding so I contacted the company on XX/XX/XXXX regarding verification of this bill and initially tried to dispute it due to never being informed of this bill. On XX/XX/XXXX the company enclosed a copy of the original creditors billing statement inside it entailed the price adjusted for my treatments and that my bill went into collections on XX/XX/XXXX but no one has documentation that the bills were sent to me. Since the debt was verified as mine on XX/XX/XXXX, I submitted {$5.00} to start making payments, however on XX/XX/XXXX, I notice they took more from my account than what I submitted on the slip they provided thus causing my account to go into the negative. On XX/XX/XXXX the bank returned the amount that was taken out back to my checking account, but I was charged a returned item fee of {$36.00} making my account in the negative for {$20.00}. On XX/XX/XXXX I received a notice of " dishonored instrument '' saying according to Mississippi Law they are putting an additional charge of {$40.00} to my debt. I am hesitant to pay them back since I couldn't even trust this company with {$5.00} and it irks me that the company never contacted me within five days with a notice of my debt that includes the following information : the amount of the debt, the name of the original creditor to whom the debt is owed and a statement describing your right to dispute the debt.
Paid full amount of mortgage to XXXX on XXXX/XXXX/XXXX. 
XXXX assigned my mortgage to M & T Bank. 
As of today XXXX/XXXX/XXXX this payment has not processed. 
Hours have been spent on the phone with multiple representatives and one will say it looks like it should process tomorrow - it never does. 
One rep tells me I have a 60 day grace period when my mortgage is reassigned, another says I will be late on XXXX/XXXX/XXXX at XXXX pm. 
Today XXXX/XXXX/XXXX a representative says she sees no payment and wants me to pay again. XXXX is the confirmation number I was given today. Im very worried that the payment already made may still post, resulting in double payment. Im also concerned this very unprofessional and disorganized process could cause a late payment and I am never late. Three weeks and the money is still in my account. Well see what happens after my second payment today. If this were my company, at least 3 rude, impatient and incompetent representatives would be fired.
I WANT TO REQUEST A CREDIT LINE INCREASE OF XXXX I FELL I HAVE THE RIGHT CREDIT LINE DO TO MY INCOME AND THE LADY FROM CAPITAL ONE SAID IT IS BASED OFF INCOME AND ALSO DUE TO THE FACT THEY HAVE NOT MAILED MY CREDIT CARD TO ME YET AFTER I CALLED AND TOLD THEM TO.
I applied for a loan modification due to a substantial decrease in income moving forward ( I 'm XXXX, and am on on SSA retirement ). I was paying my mortgage on time ( never missed a payment ), but it has been a struggle. I had never been delinquent on my mortgage. Nevertheless, XXXX XXXX XXXX had frozen my account online due to a " current bankruptcy ''. I admit that I had a discharged bankruptcy in XX/XX/XXXX, but it did not affect my mortgage, as I had no mortgage delinquent payments. Since then, I have been diligent about keeping my expenses within what I can afford. 

When I was denied the loan modification, the online block was lifted. I applied for an appeal, and the block was placed on my account again. Then I received a notice that my appeal was denied, and I was offered a " courtesy '' change in my loan if I paid a fee. I could not afford another month 's mortgage at this time. I called the customer service line used to ask questions about the bankruptcy statements and hold online. I had to wait 35 minutes to get a person. When I asked why they flagged this as a " bankruptcy '', the response I received was " Because as of this year, we can ''. 

Today I was able to pay my XX/XX/XXXX mortgage online by going to another site. However, the original site still has a hold for " bankruptcy '' on my account. 

I am planning to apply for a loan modification again, but would like Capital One to play by the rules and not make their own.
As XX/XX/2018 I check my XXXX XXXX account only to see XXXX has reported that I have 107 inquiries that I didnt authorize with credit cards accounts and auto loans ... also XXXX is reporting a100 inquiries that I didnt authorize for the same exact reason.. and also on my Experian profile is showing a lot of inquiries as well ... I have a fraud alert that suppose to let creditors contact me before extending credit.. However this was done fraudulent and without my concent ... I did not authorize these companies to use my confidential information to extend credit in my name I have file a police report and will be hiring a lawyer to see who has fraudulent tried to open up accounts without my consent.
I started having problems paying my mortgage back in XXXX. The end of XXXX I did a agreement with my mortgage company ( Nationsstar ) to pay XXXX 's mortgage over XXXX, XXXX and XXXX. In XXXX I started a refinance with XXXX XXXX XXXX XXXX. Nationstar gave XXXX a quote. We closed on XXXX/XXXX/2016 and the check was sent to Nationstar on XXXX/XXXX/2016. Nationstar is claiming the payoff was short because they did n't receive the payoff by XXXX/XXXX/2016. Now they are price gauging my mortgage payoff. My balance was XXXX, now they are saying the payoff is XXXX.
My XXXX account XXXX is not reporting to TransUnion and as a result, my credit rating is being adversely affected when compared to the other credit bureaus as my average age of accounts as well as my available credit is not accurate because TransUnion is not considering this account when factoring my credit score. 

I have contacted XXXX who issues the XXXX credit card and they advised they are reporting the account to XXXX, XXXX and TransUnion. See attached letter.
I submitted a complaint on XXXX/XXXX/15 about transworld systems reporting a erroneous collection account on my credit. Per federal and state laws the burden falls on the debt collection agency to validate the debt and if they can not then the account must be removed. Based on the response from transworld systems they are unable to very that I owe a debt and requires more information. I have already supplied name, address, date of birth, and social when filling out the complaint as well as list the masked account number that was visible on my report. How can this be proper reporting when they basically wrote back saying they do n't know who I am. See previous complaint below. 

XXXX/XXXX/15 Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.
They have repeatedly responded with this has been verified and remains though its inaccurate and unverifiable and therefore must legally be removed immediately.
I have filed disputes with reporting agency on credit inquirys. I did not ask for credit or approve a request for credit. I am showing credit inquirys from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and 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 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 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, 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, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
OK ... .I have already filed a complaint with you guys regarding this company. I just saw an updated copy of my credit bureau report from Equifax, they had concluded their investigation, and they said that the account belongs to me. Ummmm, NO IT DOES N'T, because I DID NOT do this for one, and two, these people are impossible to talk to, I have communicated with them, and they were very rude. I refuse to contact them again!!!!!
Dear Sir/Madam, Recently, I encountered a situation where a check that was written to a party ( who was a family member ) did a mobile deposit and in person deposit twice w/ XXXX XXXX XXXX . This was a mistake ( human error ). 
Once the person found out that this was a mistake, he informed his bank - XXXX XXXX XXXX in CA. 
The bank told the person that it will be taken care of and it will not be submitted. The reality was otherwise. 
While my bank - TD Bank accepted the check again withdrew money again from my account. I was told that there are XXXX separate processing XXXX for mobile deposit and other is for in person bank deposit. 
When I questioned my bank what precautions are you taking if I were to write a check to a party that could be substantial amount and that party decides ( because of this loop hole ) to deposit a check multiple times, my bank will withdraw money from my account as many times as the person who tried to deposit. My bank ( TD Bank ) had no answer and there is nothing in their system to detect this scenario. 
My request to Federal agencies is to mandate and provide guidelines to all banks here in US for all US depositors to be protected against above scenario which is highly likely when it comes to fraud.
Experian has allowed " XXXX XXXX " in reporting negative and INACCURATE information on my credit profile from an account of a leasing machine XX/XX/XXXX. 
This is NOT my account, I NEVER signed for this account. According to XXXX XXXX, this account was activated in XX/XX/XXXX. I was not an owner of this business at that time, but purchased the business until XX/XX/XXXX. I have informed XXXX of this and that this is not my account several times. i sent a signature affidavit to Experian as proof along with a fraud complaint. The Illinois State agency shows i was NOT the owner of this business related to this account in XX/XX/XXXX. Yet Experian has continued to report this along with a civil judgment from Same creditor on my personal profile. 
This has significantly damaged my credit profile as well as interfered in business transactions and growth. It has created a mental and financial hardship. 
XXXX is well aware I was not a signor on this account, and so now is Experian but have reported negative information on my credit profile anyway. Furthermore it has come to my attention that XXXX has been the target of many lawsuits due to their unethical practices. Again, XXXX is a company known for illegal, unethical and fraudulent claims against consumers, and in spite of the evidence being presented Experian credit bureau has failed to remove this inaccurate account ( s ) from my credit profile, and i have been disputing this for over a years time now. 

ALSO, This company has pulled my credit continuously without my authorization whatsoever which experian has allowed them to do despite my objections. This has created a hardship for me and has done considerable damage in my life both mentally and financially.
I had XXXX account with XXXX and it was closed and paid for. Then another account came out the blue for {$420.00} saying it is mind with a number i have never had. I have spoke with many managers, resolution specialist, supervisor, executives back in XXXX to get this resolved and after three months they 've agreed to remove this from my account. Well now this year of XXXX i still see this account in collections in my name. And they have no information to back this up that it was suppose to be removed back in XXXX. They have updating this information on my credit report which is illegal to do. I have been talk to rudely threaten and harassed about a bogus amount that is not owed.
My wife holds a conditional XXXX. She applied for a loan with Sun Trust for part of her educational costs, and I agreed to co-sign the loan. Sun Trust indicated in its eligibility requirements that permanent residents were eligible to apply for a loan. We received initial acceptance of our application and began the process of supplying all required documents. At the end of the process, Sun Trust rejected our application saying that they would not provide a loan to a conditional XXXX holder. This requirement is not stated in their eligibility requirements. If it had been, we would n't have applied to them. As a result, we wasted a good deal of time and effort in fulfilling their documentation requirements, and I may have suffered adverse consequences to my credit report because of their credit inquiry and ultimate rejection of our loan application.
In last month, WELLS FARGO send me a pre-qualified letter to invite me applying a credit card. I submitted the apply form online and I was asked whether I 'm a US citizen or a permanent resident or a legally stay foreigner. I 'm a XXXX citizen and I 'm now legally staying in America. I 'm not a permanent resident yet. I chose a legally stay foreigner at that time. A week later I received another letter and asked me to supply a copy of my Social Security Card. I send the copy to WELLS FARGO and about two weeks later I received the decline letter. The only reason they rejected my application was Not a permanent US resident. I think this is not a fair reason, and it seems like somewhat Racial Discrimination. Actually I already have credit cards of XXXX, XXXX, XXXX XXXX XXXX, etc. No other banks concern about my citizenship. A credit card is not so important to me, but I think this kind of behavior should not happen in this country. If legally foreigners are not welcomed by WELLS FARGO, they should dare to let me know directly at the beginning of the application and not waste my time.
I noticed recently that on my credit report there is a potential negative information posted on XX/XX/2017 I have a Bank Of America Master Card with {$31000.00} credit limit. My balance on card was reported {$31000.00} which is true but it exceeded due to the Interest/Service fees charged by Bank of America As we know credit card company never authorize any charge over credit limit.
On XX/XX/XXXX I attempted to pay my XXXX XXXX XXXX credit card balance of {$9.00} from my checking account instead of my savings account, which was an accident as I meant to pay from my savings account. XXXX submitted the payment, and received an insufficient funds response as my checking balance was {$0.00}. I was notified on XX/XX/XXXX via email that my payment had been successful, so I did not suspect that anything was wrong. The transaction was resubmitted on the XX/XX/XXXX but again I was not notified. 

I checked my account today ( XX/XX/XXXX ) as my statement was released on XX/XX/XXXX, and noticed that my balance was past-due due to a failed payment, which has since been reported. I thus had no chance to remediate it by changing to the correct account, because XXXX 's communications showed a successful payment and showed nothing of the two failed attempts. 

I called, and explained the issue to no avail ( other than being able to submit the bill to my savings acc't ). I need to maintain a good credit score so that I can get XXXX school loans, and XXXX 's series of decisions to 1 ) notify me that my payment was successful even though it was not, 2 ) resubmit the payment method without notification, and 3 ) refusal to help me remediate the past-due report, will impact my credit score negatively. This is despite my close attention to both my accounts and to bank notifications.
Equifax breech : Now I have to freeze all three credit report accounts for {$10.00} each.
Since the loan inception ( 16 months ) I 've been paying an additional principle only payment every month, only to find out now that they have been applying about 50 % of that to interest. I have demanded that they retroactively reapply 100 % of those payments to principle only, and they have refused. I 'm going to hire a lawyer but thought I 'd give this route a try first.
I have been working with Ocwen for quite some time now to retrieve a loan modification. Just recently, Ocwen has denied the loan modification and informed me that they did not review any of my income. My income is very important part of the process and unfortunately Ocwen is not considering it. I am in position to pay my mortgage based on the income I am currently receiving. I am not asking for any adjustments. If they brought my account current, i would be ok with that.
on XX/XX/2018 I received a letter from ONE main financial, saying they had denied me on a credit line, well i never applied, so i log into into my XXXX account and saw they had an inquire on all 3 reports, i remember getting an invitation from the either XXXX or XXXX which i call to inquire, when i spoke to their operator she told that their interest was around 10 % then i said " No thank you very much '', never authorized for a credit run, i am no about to pay anyone 10 % on a credit line. yesterday i call their XXXX number i explain teh situation, hoping to get some resolution, the first operator " Hand up on me '', on the second dial the second play dump, refused o give me her name when ask to be transfer to a supervisor, when i began to tell teh supervisor, that i had received an invitation, call ad never apply since their rates were to high, she stared saying that perhaps some one had taken the letter call and apply, i said to her it was impossible, since i had sheered the paper, we have a big sheered in my office for all personal documents..then she stared playing the game she couldn't hear.. i have an i phone XXXX..and my service is with XXXX which is clear as whistle, keep saying i cant hear you and hang up..when i try to dial again, none would come up on the line.
On XXXX XXXX, I asked for verification of the origin of this debt according to the FCRA section XXXX. 

They have not responded, they continue to collect and report this debt as valid. 

They charge me fees every month, and annually on top of interest. This card was offered to me with a {$250.00} fee to begin with and their practices are unethical in the fees they charge. 
I would like to see the original payment agreement but my account has been sold XXXX now and I can not get any of the original information that they are reporting, so I do not know what charges are correct.
XXXX   XXXX   XXXX , is currently reporting a charged-off account that I am no longer responsible for. This company has failed to provide me with documentation, that I am responsible for this debt and this company is reporting information that is currently past the 7 year reporting period to all  XXXX  credit bureaus.
I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Lost our house because Nationstar forced us to insure our home for XXXX ( only worth XXXX ) because it was over XXXX square feet. On top of that we are in a flood plain and had to purchase matching flood insurance. our payment went from a comfortable XXXX to almost XXXX per month. This was our home. We were proud of it and had to make a very difficult decision to walk away because after after 4 years of paying the high payment we were drowning and no one from Nationstar was willing to help. I 'm sad to drive by and see that the house has been sitting empty for almost three years. Would n't it have been wiser to work with us oon making it affordable. They tried to auction it off and could n't even get any buyers. It breaks my heart everyday cause our memories are there and we miss it. Now it just sits empty falling apart unsellable.
We have paid our monthly payments flawlessly on time for nearly 16 years on a 20 yr loan. Recently, XXXX and XXXX of 2018, we paid our regular monthly payment one day early. Our payment was applied to " additional principal '', and the regular payment ( as stated on our receipt ) was listed as unpaid. This happened two months in a row, and we had no idea that it was happening until later. 
Just before this, we were late on our county taxes, and in spite of our negotiating with the county about a form that we had filed to check the amount of our taxes, finding that they had indeed over charged us for several years about 30 %, Chase bank stepped in and paid back taxes, and half of the upcoming year taxes. They then asked us to make payments ( amount due divided by 12 months ) to them for the back taxes in an Escrow account that they set up for that purpose. They did that same thing when we began to pay down the escrow amount ( as shown on receipt ), putting that down as " additional principal '', and claiming we had defaulted on the payment schedule. At this point, we have paid all of our regular payments on time, and 2/3 of the back taxes, and are current on taxes now. Chase has backed off on some demands, apologizing for their mistakes, and saying that they will issue another " escrow analysis ''. Each time they apologize and issue another analysis, this is 4 times now, each one with new ficticious figures claiming that we have missed two monthly payments, and would we like them to help us with our mortgage in jeopardy. We feel that the problem is easy to fix, and needs no analysis, only that they properly place the payments to reflect what the receipts say, which will show that we are up to date on everything. We can supply copies of receipts to show the discrepancy. We do not believe that this problem is because Chase Bank can not simply read their own receipts, but that they are attempting to force us into jeopardy by tricky tactics. They simply refuse to listen to facts, and talking with people on the phone after hours waiting that speak English only as a second language to explain difficult math issues is completely frustrating. I Believe that none of this repeated : " oops we made a little mistake '' stuff is not accidental.
The company Professional Adjustment Corp, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.