WillisBack/dataset-financial-user-claim huggingface dataset:
I believe Great Lakes intentionally misapplied my monthly payment. 
I have XXXX XXXX Loans. I XXXX Tokens/Loan types. I am currently signed up on an extended level monthly plan of {$870.00}. The {$870.00} payment I make each month is more than the amount of interest that the accounts accrue and thus, should cover the principal accrued for each month, with some left to go to principal. 

It was my belief that the {$870.00} would be applied among the XXXX tokens, with the amount first going to each token 's monthly accrued interest and any excess towards the principals. 

On XX/XX/2019, I made my {$870.00} payment for the month of XX/XX/2019. However, when I reviewed how my payment was allocated on my online account, I saw that Great Lakes did not allocate it properly to Token XXXX. I owed at that point in time about {$22000.00} on Token XXXX. From XX/XX/2019 to XX/XX/2019, I accrued {$130.00} of interest on Token XXXX. Yet, of my {$870.00} monthly payment, only {$18.00} went to Token XXXX. That left {$120.00} of unpaid interest on Token XXXX. Great Lakes reallocated the remaining {$850.00} towards the other XXXX tokens, and applied {$450.00} of it to Token XXXX, although that token had only accrued about {$220.00} in interest that month. 

I am very concerned that Great Lakes is not allocating my payment to cover all the monthly interest accrued on Token XXXX. As stated in the beginning, my monthly payment of {$870.00} is more than enough to cover the interest accrued monthly on all XXXX tokens. It is also my understanding that my monthly payment would cover the interest accrued monthly on all XXXX loans. I am confused and perplexed as to why Great Lakes would not apply my payment to cover the interest accrued for Token XXXX. I am concerned going forward, because if they are not applying my monthly payments are not going towards all the monthly interest accrued for Token XXXX, then that interest will accumulate and it will be harder to pay it down in the future. 

It is my belief that Great Lakes intentionally misapplied my payment. On XX/XX/2019, I made a second monthly payment of {$5000.00}. The second {$5000.00} payment was suppose to go straight to the principal of XXXX XXXX. 
It was my intent to pay {$870.00} as my monthly payment ; the {$870.00} would cover the monthly interest accrued for all XXXX tokens, including the {$130.00} of accrued interest on Token XXXX. Afterwards, I was going to make a second payment of {$5000.00} to that would fully go straight to the principal of Token XXXX. I was allowed to do that as long as I made my required payment of {$870.00}. 

Instead of applying my monthly payment of {$870.00} to all the interest accrued on the XXXX tokens and then applying the full {$5000.00} to the principal of Token XXXX, Great Lakes applied only {$18.00} of the {$870.00} to Token XXXX. 

It then used {$120.00} of the {$5000.00} to pay the remaining monthly accrued interest of Token XXXX, and then the remaining {$4800.00} went to the principal of Token XXXX. 

I believe Great Lakes is doing this because it is intentionally trying to delay me from paying down my principal.
Ford Motor Credit is attempting to charge me a {$100.00} fee for a " speeding ticket '' on my vehicle. Ford notified me of the ticket at some point in XXXX 2016, and I proceeded to immediately contest the ticket. About 30 days afterwards, I find the fee of {$100.00} on my account. I called Ford and notified them that it was my intention to contest the ticket and that by them having paid it, they are precluding me from being able to continue with the contestment. After waiting for over 8 days for a supervisor to contact me, I had to call back and managed to speak to XXXX XXXX from the XXXX Department ( I later called Ford Motor Company and they informed me that there was no one with that last name and that it was possible that XXXX gave me a false last name ) who was very disrespectful, called me a liar, and told me that he will not remove the fee. I told XXXX XXXX that I will look at terminating the lease because of this and that I would be filing a claim and mentioning him by name, he stated " Go ahead and do it, I 'm writing it down. '' I have never been so disrespected when dealing with another company and I want the fee removed. I followed the instructions on the letter to call the jurisdiction to contest the ticket and Ford proceeded to pay the ticket and attempt to charge me for it. The letter contained a typo which confused me and even after having admitted to the mistake, XXXX XXXX refuses to eliminate the fee. To be more specific, the letter stated that one would have to notify " us '' at the phone number listed above. The only phone number listed " above '' was the XXXX government 's number. Given that I never directly received a ticket ( I only received a letter from Ford notifying me of the ticket ), it was my reasonable understanding from that letter that XXXX was in constant communication with XXXX and thus, by contesting the ticket at the " above number '' ( XXXX government 's number ), I would meet the notification requirement. XXXX admitted that it was a mistake on the letter but he stated that he will not remove the fee. Furthermore, XXXX stated that I had 30 days to pay the fee and that my contestment was dated XXXX XXXX. I explained to him that in order for one to have evidence of the contentment, you must receive an email confirmation from XXXX of your submission ( I told him that he could verify this information on the XXXX government 's website ). I contested the fee two days after I received the letter. More than a week passed and I never received the confirmation. I proceeded to contest it again and then many days later, I finally got the confirmation. XXXX told me that I needed proof of this because otherwise I was lying. XXXX was extremely disrespectful, he raised his voice to me and even proceeded to not let me talk and explain. I want the fee removed and XXXX held accountable for his disrespect and actions.
On XXXX XXXX, 2015 XXXX ( PayPal Credit ) made an unauthorized credit history inquiry to EquiFax which negatively impacted my XXXX credit score. I had an established credit line with PayPal credit of over {$5000.00} and and at no time did I use anywhere near that amount. There was no reason for the credit history request.
I sent you a complaint back in XXXX/XXXX/XXXX case # XXXX reguarding Central Mortgage Company. 
of course their reply was all lies as they did back in XXXX. I was told to miss paymentss told to miss payments until a re-fianc or Modification could be reviewed and signed off. Instead they used late payments against me and foreclosed on my property. They even had it on the market before anything was settled. I now only have until XXXX XXXX, XXXX to get justice They owe me what they sold my house for. I want your help to get me justice. 
Thank You XXXX XXXX
I asked for HAMP Loan Modification for 30-40 years for 2 % interest, instead I am getting a loan modification for 2 % for 2 years only. Inaddition the letter says the interest rate goes up to 6.75 % which iswhat the current rate is now. Again Nationstar is asking me to pay {$9200.00} up front before they agree to do the 2 years modification. 
To me this is not the HAMP Program modification I am expecting fromNationstar. To me this is more of scamming than anything else. 
Scamming in HAMP Program is illegal. Therefore I refused to sign their letter ofagreement/acknowledgement.
I have requested validation and verification of this debt and nothing was sent as far as actual debt history and detailed bill transactions. Only says debt verified but nothing was sent to me as far as actual debt and signature or any proof I have never had a XXXX card
I spoke with someone at XXXX who said that they were the manager, but i 'm not sure he was rude and nasty. He told me that my lender was lying and it was illegal for them to remove the collection from my credit report and it would be a {$10000.00} fine to do it. He also told me it could not be done because Fox did not own the account they were just contracted to collect. I asked it I could go back to the medical company and ask them and he informed me that XXXX had the contract and I had to go through them. The entire time that I was on the phone he was screaming and yelling telling me that if I pay my bills this would not be a problem. He did not want to hear anything that I had to say. I tried to explain to him that I was a single dad and I lost my XXXX year old son early last year and was XXXX for nearly a year and medical bill were the least of my problems.some the insurance paid the other 's were my responsibility. During my grief and illness I was in no shape to do anything. I found the strength to get things back in order and called fox to pay the {$200.00} and once paid asked if they could remove it from my credit report. That is all I want.
We bought our house in 2005 in benefit of our family. We have XXXX daughters and my older mother living with us. We purchased the home with a big down payment and using our savings to fix it. Due to the economy crisis I lost my job and my wife took over all the responsibilities. I was sick and XXXX. CITIMORTGAGE owned my loan and we asked for help to modify my loan. I was approved for Loan Modification HAMP TPP Trial Program. CITIMORTGAGE told me to continue making my payments without skipping any payments. I continued making my payments every month for about 14 month, but they continued asking for the same documents over and over. Every month I asked them when will I get my final approval and the answer was that We were approved they werejust waiting for another department to finalized the paperwork and they will send my final approval by mail. Aftermore than a year CITIMORTGAGE Transferred of sold my loan to XXXX XXXX without asking me or telling anything about my pending Loan Modification that we were approved. It was until maybe 2 months later when I received a letter from XXXX XXXX saying that they were my new lender. This is a breach of contract. XXXX XXXX said the could not process my payments and I have to start all over again!!!!. XXXX XXXX said that they could not honor my payments because they did not have my file. CITIMORTGAGE intentionally sold the loan to XXXX Bank XXXX now XXXX XXXX did n't want to process the loan modification. and they want to foreclose on my property. this is a totally abuse from BOTH BANKS ITS NOT ACCEPTABLE.
This letter is to inform you that Experian has failed to respond to my phone inquiry dated  XX/XX/XXXX  regarding unknown inquiries on my credit report. Since that time, there have been additional inquiries that have appeared on my report. As a consumer, I have the right under the FCRA to have these unknown inquiries removed accordingly. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ; -  XXXX   XXXX   XXXX   ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  , OH  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX    XXXX , VA  XXXX  -   XXXX   XXXX   XXXX  ,  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , UT  XXXX  - XXXX /  XXXX   XXXX   XXXX  ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , SD  XXXX
My account with paypal was frozen and I have a balance due to me of {$470.00}. Paypal wont release it and I want my money ASAP!!!! It was already been 3 months this is unfair, that is my money.
So I applied for a {$2600.00} loan XX/XX/2014. The 1st payment of {$170.00} came out of my Checking account and $ 294 monthly following that. I suffered insufficient funds in my Bank account for 8 months which has caused tremendous financial stress and strain to maintain other bills that come during the XXXX of each month.
The following are unauthorized credit inquiries reflected on my report and they are without a valid need : XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Date of request ( s ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They lowered my credit score most likely and led to financial damage when I applied for credit so I'd like to be fairly compensated.
Specialized Loan Servicing has been very difficult to work with. Please see attached dispute letter. Lack communication unless it suits them. Refused to assist me, forcing me into Foreclosure when it was not necessary. They refused my cash payment that I was told were certified funds, but then refused to tell me they refused the payment, instead blaming it on the vendor that sent the funds and giving me the run around only to tell me there was nothing I could do but lose my home. They transfer you over and over so you get so frustrated you just hang up.
MY LOAN WAS SOLD BY XXXX TO XXXX THAT IN TURN SOLD IT TO BSI FINANCIAL SERVICES ( ADD. IS XXXX XXXX XXXX TX. ) I BELIEVE XX/XX/2016. SINCE THIS COMPANY TOOK OVER I HAVE NOT HAD A MOMENT PEACE. I HAVE NOT FALTERED ON MY PAYMENT, BUT IT SEEMS THAT MY FUNDS ARE EITHER PLACED IN GHOSTS ACCOUNTS THEREBY LEADING TO BARAGE OF CALLS FROM THEIR REPS. I USUALLY DO NOT GET EXPLANATORY STATEMENTS LIKE MY FORMER COMPANIES, I ALWAYS HAVE TO CALL THEM EVERY MONTH TO FIND OUT ABOUT MY STATEMENT. DEPENDING ON WHOM YOU SPEAK WITH ON THEIR PHONE, YOU MAY GET DIFFERENT ANSWERS RANGING FROM " WE HAVE NOT RECIEVED YOUR PAYMENT FROM LAST MONTH ETC, AFTER MANY ARGUMENTS WITH THEM, MY SENT PAYMENT MAGICALLY APPEARS. THEY WILL PROCEED TO SEND ME ANOTHER BILL DOUBLING THE AMOUNT THAT I SUPPOSEDLY OWES. I WAS INSTRUCTED TO PAY A DIFFERENT AMOUNT FOR XX/XX/XXXX WHICH I SENT OVER WHAT WAS ASKED. MY XX/XX/XXXX PAYMENT WAS MADE ON TIME, BUT I AM STILL GETTING STATEMENTS FOR XX/XX/XXXX. ONE OF THE WORKERS BY THE NAME OF XXXX STATED MY ESCROW CHANGED AFTER MY PAYMENT WAS MADE AND THEY WERENT AWARE OF IT. NOW THIS IS VERY STRANGE TO ME. I SUSPECT SOMETHING IS DEFINITELY NOT RIGHT WITH THIS COMPANY.
I called all 3 credit bureaus about several inquiries that were not mine and a few that were duplicates listed in my report. I disputed these results and every time I call in they tell me there is no dispute. XXXX  told me I had to dispute directly with the company that did the inquiry. I sent notices to them and did not receive communication back. I updated XXXX on XXXX18 as well as Experian and XXXX  and was told they could not help me. I have 45 inquiries on my report and only 6 are mine and accounted for. All 3 credit companies will not aide me in the removal process.
Again while checking my credit reports I noticed a collection from Diversified Consultants for a XXXX bill that does not belong to me. In fact I was in XXXX during the said time I signed a contract for their services. I have once tried to dispute the validity of this debt by requesting the original contract that I was accused of signing. I didn't receive any communication about this matter. I have researched a consumer relief attorney to handle this very stressful situation.
I am writing to inform you that XXXX XXXX XXXX payment history is inaccurate information on my credit report. I am requesting that you deleted this account off my credit report.
my credit report have an account close with pending balance of {$630.00} from Allen Asoc. i do n't what is this. was reported as public record and is affecting negatively my fico score.
I received a copy of my credit report and I notice I have a few accounts that are too old and I want them to be remove from my credit report. Please remove these old accounts from my credit report XXXX XXXX XXXX XX/XX/XXXX ( 12 years ) XXXX XXXX   XXXX XX/XX/XXXX ( 10 Years ) XXXX XXXXXXXX XX/XX/XXXX ( 11 years ) XXXX XXXX XX/XX/XXXX ( 8 years )
bank of america continues request i pay my debt of my credit card i have been scammed and lost tremendous amount of money while having acount at bank of america unable to pay my debt due to the scam i was involved in need help assistance resolving issue matter of debt and scam.
There seems to be a problem with the Credit Reporting Agencies. I submitted a complaint because they we 're not reporting my balances and accounts as they should. Now they have added the accounts that I have paid my balances to XXXX, and my credit score has n't increased. I have gotten my balances way below 30 % and my credit score has stayed the exact way. I have paid off 4 credit cards to XXXX balance, and my score has n't changed. I am beginning to feel that there is some sort of discrimination going on with the reporting agencies. I had 4 credit cards that are now XXXX balance why has n't my score changed. When I was over my 30 %, my score dropped almost 85 points. Now that I have those balances below 30 % my score is still showing no increase. I need this investigated, this is becoming very frustrating. I do n't trust this system what so ever, I have done my part, and this system is not doing it 's part. It is very disappointing, especially if I am working very hard to keep my debt balances low. I will be finding a lawyer, according to the Fair Credit Reporting Act. I will sue XXXX, Transunion, XXXX XXXXXXXX XXXX and whoever. This is causing so many problems on every level. I am going to be purchasing a home, and they are not fairly reporting and increasing my score as it should My score should be increased to almost 80 points. I 'm tired of what 's going on, and I will be seeking legal representation on this. Please help me, CFPB. If you see my attached document, my score was at XXXX with Transunion before they added all of my accounts that I paid down to XXXX, and when they added these accounts, my score has n't changed it is still the same. Also for XXXX it has n't gone up hardly any points after paying 4 credit cards to XXXX, and XXXX this is so frustrating.
The creditor known as Continental Finance, XXXX, and/or XXXX has reported inaccurate information on my credit reports. The creditor mentioned above reported my account with them as being 30 days past due in the month of XXXX XXXX. This information is incorrect because I made a payment of {$250.00} on XXXX for recent charges to my account that were not yet due. The only charge on my account that was due on the XXXX due date was a {$10.00} fee " MONTHLY MAINT FEE XXXX DE ''. This is confusing because I pay an annual fee to cover the servicing of my account already. In any event, the {$250.00} payment should have covered this fee. This payment was withdrawn from my checking account by XXXX XXXX on XXXX, but was not applied to my account with them. It is also worth noting that I also made a payment in the month of XXXX. I 've contacted them via phone about the 30 day late on my account and was given a mailing address. I sent correspondence via certified mail on XXXX XXXX, XXXX, XXXX, but got no response. USPS Tracking Results show the package as being delivered on XXXX XXXX, XXXX, XXXX. On XXXX/XXXX/XXXX I sent letters out to the credit bureaus disputing the 30 day late. The creditor " validated '' the accuracy of the 30 day late with the credit bureaus. The creditor then sent me a letter requesting proof that I made the payment. I then got a print-out from my bank showing the debit from my account by XXXX XXXX confirming what I told them previously. I mailed it to them on XXXX/XXXX/XXXX, XXXX. USPS Tracking Results show the package as being delivered on XXXX XXXX, XXXX, XXXX. I 've received no correspondence from them as of today. I am reaching out to the Consumer Financial Protection Bureau to assist me in getting this issue rectified. I am most appreciative of your services and look forward to working with the creditor to get this matter resolved.
I received a letter in XXXX, 2016 from Consolidated Recovery demanding I submit a payment to satisfy an old BUSINESS transaction. The original debt was in the amount of {$4900.00}, which happens to have been a chargeback for a trip to XXXX. I think it 's important to say that the trip was a group of 24 people and 1 couple decided to dispute to charges and, well things went downhill from there. The point is, I should have never been held personally responsible for a business transaction. My Company, XXXX XXXX XXXX and DBA/ XXXX XXXX XXXX XXXX is and always have been listed on the attached support documents. They include, business insurance, GA. Corporation, IRS - EIN Number, Travel Supplier Membership, Credit Card Processing agreement, and Articles of Organization.
THE MOST IMPORTANT FACT IS THAT I NEVER RELINQUISHED RESPONSIBILITY OR PAYMENT GUARANTEE FROM MY BUSINESS TO MYSELF. ADDITIONALLY, I HAVE NEVER SIGNED ANY AGREEMENTS AS FURTHER PROOF. The collection agent wrote in a letter, that I signed an agreement electronically taking personal ownership and guaranteeing responsibility. THIS IS FALSE, UNTRUE A LIE! Today Consolidated Recovery has placed on my credit reports verberage implying, they are the creditor, That I 've have owed nearly {$7000.00} since XXXX, 2016 which continue to accrue interest.
I have also contacted my States 's Attorney General, since they have also threatened to sue me.
Credence Resources Management, LLC attempted to collect for XXXX the amount of {$140.00} XX/XX/XXXX. I stated that I did not own that amount and we agreed that I pay {$88.00}. On XXXX XXXX, XXXX, I sent a cashiers check for {$88.00}. 
On XXXX XXXX, XXXX, I received a check from Credence Resource Management, LLC for {$88.00} made payable to my company, XXXX XXXX XXXX. I called and spoke to a supervisor who told they did not know what the check was for. To this date, I have not got a resolution on this matter. I have returned the check to Credence Management, LLC.