WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I was reviewing my home loan and noticed something strange. The lender is NOT applying any funds I make above my payment to the principal. 
Instead they are holding those funds in a separate account that I can only presume that is interest bearing, for them. There is a note on my statement that says : " any partial payments that you make are not applied to your mortgage but are instead held in a separate un-applied funds account. If you pay the balance of a partial payment the funds will be applied to your balance. " I looked for clarification and this is what I found : Unapplied Funds Balance. If you send in less than a full payment, this will show the partial payment, which we 'll hold until enough money has been received to make up a full payment. Once a full payment is received, we 'll apply the funds to your account. 

I have been making payments above my min and my next scheduled payment is in XXXX. 
I am NOT and have NEVER been behind. Green Tree bought my loan from XXXX Bank and again I have NEVER been in any type of default status. 

IS it lawful to hold back overpayments? I want to make them apply these funds to my principal immediately instead of allowing them to have a " slush fund '' on the side for them. These " partial payments '' have been in the range of $ XXXX $ XXXX.
I have called XXXX XXXX several times and have spoken to different representatives that have informed me t that I qualify for the " temporary expanded Public Service Loan Forgiveness Program (  tepslf ). '' I know this to be true because I completed 7 years in the program and was placed in the wrong repayment plan for over 3 years so I am a perfect candidate. The problem is that the XXXX XXXX   representatives claim not to have access to TEPSLF and neither do individuals who have applied to the program. There is no phone # only an email address that does not respond.
XX/XX/XXXX : A letter/dispute was sent to all 3 credit bureaus requesting removal of discharged bankruptcy for failure to validate and provide proof of individuals where information was given from because US Bankruptcy Courts advised in writing that they do not provide information to Credit Reporting Agencies.

XX/XX/XXXX : A letter in writing was sent requesting deletion/removal of this account, to no avail. I received a follow-up stating verified, no change ; with no validation or verifiable proof.

XX/XX/XXXX : A phone call was place by myself, the consumer and I spoke with a CSR and Supervisor, who both advised me that they were not able to remove/delete this negative remark from my credit report because of FCRA states up to 10 year law, but could not provide me with information of how they were able to validate this information as requested in previous mailings. I also explained to them that it was not listed on another one of my credit reports and I could furnish a copy and that meant nothing
Account Type : LEASE Account Number : XXXX My payment due date is on the XX/XX/XXXX of each month. My payment for XXXX XX/XX/2018 was not past 30 days late. My payment was made on XX/XX/2018. Please see attached proof of payment history. Payment XX/XX/18 Payment XX/XX/18 Payment XX/XX/18 I was never past 30 days. This inaccurate credit reporting is effecting my credit score and As a result, causing emotional distress, interruption, annoyance, and continuing anxiety.
the original debt was to XXXX XXXX XXXX in XXXX and they were instructed to submit the claim to insurance company. the original claim was denied but in XXXX the claim was accepted by XXXX insurance. ask XXXX XXXX to resubmit. i also ask them for a complete statement of charges which they never provided. i made several payments and then they quit billing me. about 6 months later RSI ENTERPRISES sent me a notice they had a unpaid debt. payments that i had made to XXXX XXXX XXXX  had not been credited. i am ask for a statement. finally in XXXX they sent a statement and verified that payments had not been made. now they have just completely quit billing me and have not sent me a statement since XX/XX/XXXX.
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX/XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX XXXX Inquiry from XX/XX/XXXX +  Services, Not Elsewhere XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX , XXXX. 
Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX-XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
I fiked a complaint against the monster servicer I forgot to include a XXXX date My husband have XXXX on XX/XX/2018 The same day monster SLS selling my home Do u also know SLS is under law suites for fruad and not complying by law and taking peoples home without doing anything just like their taking my home
This company is continuing to request payment for accounts that I do not owe on. {$120.00} from XXXX on XXXX XXXX, XXXX on behalf of XXXX 
Also : {$810.00} from : XXXX XXXX on XXXX XXXX, XXXX on behalf of XXXX. 
These were previously disputed with other agencies as well. So, since they were blocked from trying their scams with those CRAs, they have moved over to TransUnion. This needs to be removed ASAP. I am unaware of the accounts and have no verification this debt is mine. I only know of this account based on it being reported in my credit report ( s ). We both know they are the source reporting this account and have the absolute right to report it, not report it, or delete it from all reporting agencies. They refuse not to. There has been previous take down requests to which they have replied, done so, and resubmitted the debt. Over and over. They wait for a small period of time and then resubmit, thinking it will not be noticed. I will contact the Attorney General AS WELL against TransUnion and in their respective state and both of these companies if this is not resolved NOW! 
I 've ALWAYS had this type of trouble before with TransUnion. My report with them has always been incorrect. From having an out of date address from over 6 years ago as my main address to not having all of my current TradeLines listed that are active and in good-standing.I 'm not surprised! 
I am a veteran and a XXXX XXXX and I do not deserve to b treated this way. I will file a I fought for your freedom young man/woman! law suit against this CRA IF These entries are NOT removed! 
ALL references regarding this account must be deleted from ALL reporting agencies.
CAINE & WEINER {$230.00} & {$200.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor I want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
American Express debit card/Serve card has reduced my account by {$48.00} without any debits to incur this! My balance now reads {$2.00}. I believe it should read {$51.00}. The online balance was {$90.00} on XXXX/XXXX/15. I have a copy of this if you need it. Then on XXXX/XXXX/15 the balance was {$59.00} online. From XXXX the total debits = {$38.00}. I called the company yesterday and the guy who answered me denied there was an inaccuracy. He was VERY mean and TOO argumentative!
My credit report shows I have an outstanding debt to XXXX XXXX. This debt was paid in XXXX. According to them on XXXX XXXX they updated that it was payed. It is now XXXX and my credit report shows the debt still unpaid.
This number XXXX has called me. Once they left a message to call them back about a debt. When you return their call you get a recording that says you call cant be completed because this mailbox you called it full. I do n't know if this a legit company or a scam. If I have a debt but unable to all you back, I better not get sued!!
date of loan XX/XX/XXXX amount of vehicle XXXX they took it to court on the XX/XX/XXXX
XXXX XXXX responded Equifax said : Explanation of closure Equifax has reviewed the complaint and its records. Please send the requested document such as, driver 's license/state ID card or utility bill showing the current address information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, XXXX XXXX or fax the documents to ( XXXX XXXX XXXX to have the Fraud Alert removed from your file. You may also contact us directly at ( XXXX ) XXXX to speak with an Equifax representative regarding additional concerns or questions. Written confirmation was mailed on XXXX/XXXX/XXXX. 


Dispute Response Equifax has reviewed the complaint and its records. Equifax did not receive any additional communications from the consumer during the review of the complaint. No follow up actions are required in further response to the complaint. 


What happened Product Credit reporting Issue Credit reporting company 's investigation : Problem with statement of dispute Have you disputed the issue with the credit reporting company and received a final response? Yes No Describe what happened so we can understand the issue ... 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile. 


XXXX to publish the description of what happened? Consent provided Supporting documents PDF document XXXX Product information Information about the credit reporting company Equifax XXXX XXXX XXXX XXXX XXXX XXXX United States Social Security number XXXX Date of birth XXXX/XXXX/XXXX Desired resolution What do you think would be a fair resolution to your issue? 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Remove fraud alert from my credit profile Consumer information Contact information Mailing address XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX United States XXXX XXXXXXXXXXXX Phone XXXX
I have asked that my increased payment be applied to principle and was told my request must be in writing. So I put m request in writing. Nel net continues to apply to next payment instead of principle. I owe close to {$70000.00} I have XXXX children and pay ove 6 % interest. I have 20 more years and I am XXXX years old.
I disputed this a few months back wrote directly to XXXX XXXX and requested verifacation of such said services as I know I walked out of the emergency room never seen doctor XXXX XXXX has assigned this so called sevice numerous time to dept collectors XXXX has also harassed cals repeatdly I have ask them also to verify debt documentation or anything baring my signature showing I read understood or anything that requires medical services signature I have never seen or recieved a medical privacy act copy or even signed one stating I received services this is the first process vital signs etc to wait to be admitted I have informed XXXX of billing tech and errors how the handled it unknown
I had maid 3 payments to settle the debt with the company, and the remaining balance they said they would let go is still on my credit report, I have called once and reported it, and they have n't taken it off still.
sent them information about inquires that are not mine they just left on there XXXX XXXX equ
They call me and tell me when I have no money for a payment to borrow money from friends or churches.
I had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.
From XX/XX/2016 until XX/XX/2016, BBVA Compass Bank ran a promotion that would provide XXXX rewards points ( each point with the cash redemption value of XXXX cent ) on all purchase made using the XXXX XXXX XXXX XXXX card. During that time I made XXXX payments to a merchant called XXXX with my BBVA XXXX card, XXXX on XX/XX/XXXX and XXXX on XX/XX/2016. Out of those XXXX transactions, XXXX transaction totaling {$4800.00} made on XX/XX/2016 only received XXXX reward points while other XXXX transactions received XXXX points. Thus I am owed XXXX ( XXXX x XXXX ) additional points from BBVA Compass. I contacted BBVA Compass regarding this issue and the bank declined to issue me the rest of points stating that XXXX is not a supported merchant during that promotion. This statement is clearly false as I received the bonus points on the other XXXX XXXX transactions I made during the promotional period ( See Attachment ).
In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to XXXX, along with XXXX. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both XXXX   and XXXX have NOT removed this debt off of my report.
Bank of America breached my account holder 's contract by paying out {$19000.00} to a non-owner of my individual account on XX/XX/XXXX. I was the sole owner of this account as shown on signature card and verified by Bank of America on three separate occasions after this date. Pursuant to the account agreement, Bank of America should not have permitted any withdrawals from this account except those on the account owner. However on XX/XX/XXXX Bank of America accepted a checking /savings withdrawal from the non-owner in the amount of {$19000.00} as shown in the photo copy. 
I immediately notified Bank of America and tried to stop payment on this transaction XX/XX/XXXX but since this withdrawal was done in person on XX/XX/XXXX the money was gone from my account and the cost of the Stop Payment was return to me. I notified Bank of America of this fraudulent withdrawal by filing a Fraud Statement of Claimant form on XX/XX/XXXX. I also reported this to the XXXX Police Department. 

Getting no positive response from Bank of America I enlisted a local attorney XX/XX/XXXX. Due to deteriorating health issues that caused me to be diagnosed with XXXX XXXX XXXX XX/XX/XXXX, I was not able to pursue this case further since the XXXX was a two year XXXX XXXX XXXX XXXX  from several treatment centers and hospitals in XXXX and XXXX XXXX Missouri. Finally in XX/XX/XXXX my attorney sent a letter to Bank of America Legal Department stating our case against them. On XX/XX/XXXX Bank of America responded asking for documentation to be sent to fax number XXXX. Copies of the individual signature card, individual signature card with personal bankers name, Fraud Statement of Claimant, and Bank of America withdrawal slip for {$19000.00} from the non-owner honored by Bank of America were all sent by my attorney on XX/XX/XXXX to Bank of America fax number as requested by the Bank of America Legal Department. However, as of XX/XX/XXXX no other response has occurred to my attorney or myself since XX/XX/XXXX from Bank of America.
Every couple days I get a call from : Caller : ( XXXX ) XXXX A XXXX XXXX  I called them back and told them I do NOT have outstanding parking tickets in XXXX and to take me off their call list. They continue to call me.
I was under XXXX when the debt occured, Placed on parent and childs credit history, when my mother called several times and asked that it be removed because I was under XXXX when it was incurred, they refused. Stating they do not removed from credit. ( My mother paid the debt ) This is illegal, as a minor I was not responsible for the debt.
This debt collector has garnished my wages, assumingly illegally, in XXXX for supposedly a {$20.00} bad check in XXXX at a XXXX XXXX DBA XXXX XXXX XXXX in XXXX , Kansas . On my notice of unpaid judgement it has an Account # of XXXX balance of {$1300.00}.
Dear Sir, I have paid off my complete balance amount and closed the individual citi bank credit card on XX/XX/18. Again, citi bank came up with foreign transaction fee and statement generated on XX/XX/2018. As per the statement, I have paid foreign transaction fee on XX/XX/2018.  But, Citi bank has tendency of destroying transactions and stopped generating statement for the amount paid on XX/XX/2018. I have been waiting for the XX/XX/XXXX statement and transactions taken place on XX/XX/2018. I checked online account and also USPS mail, there are no transactions displayed in my account between XX/XX/XXXX and XX/XX/2018, also no statement generated between XX/XX/XXXX and XX/XX/2018, complete my transaction details missing. I called up CIti bank customer care and their response is not appropriate and unsatisfactory. I am not sure, why Citi Bank causing troubles to customer and every last statement and transactions missing in my individual closed credit card. For any kind of fraud and tampering my individual credit cards, citi bank holds the legal accountability and responsibility. Could you kindly direct Citi Bank to update my XX/XX/XXXX Statement'XX/XX/2018 and transaction online for individual credit card, send me on copy of XX/XX/2018 statement over the postal service and also attach the XX/XX/2018 statement to Consumer finance protection bureau complaint 's response.
TSC is not licensed to collect in my state of Utah. This is reporting on my credit and they are trying to collect this debt from me in Utah ... Even though they have not sent me validation of the debt.
I just opened an account threw Huntington bank am then I made a deposit an the same day they withdrawn {$190.00}. I called an they are trying to say I opened an account in 2013. An wrote a check that bounved. I never had an account at that time am never had a bank card or checks. So there is no way this could of happened I do n't no if someone has stolen my identity that is the only answer for this problem.
Ref. Complaint # XXXX : On XX/XX/18 I submitted a complaint regarding Equifax. The complaint was sent to the company on the same date. On XX/XX/18 company responded to you that their response was in progress and they would require more time to research the complaint. I was also told by a CFPB representative that the company had until XX/XX/18 to respond.As of today, XX/XX/18, I have not received and responsw from the company.
I have a loan with SEARS/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and SEARS/CBNA with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
B

eginning in XX/XX/2016 I began the process of fixing errors present on my credit report with Equifax, XXXX  and XXXX.

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you.

or 2 ) Information on this item has been updated.

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX.

Creditor : XXXX XXXX Creditor : XXXX/XXXX XXXX XXXX XXXX  Creditor : XXXX/XXXX Creditor : XXXX XXXX *In reference to above XXXX XXXX XXXX XXXX , account name and date opened is incorrect.

Creditor : XXXX XXXX XXXX Creditor : XXXX XXXX Creditor : 10 XXXX XXXX FLORIDA  Creditor : 12 XXXX XXXX XXXX XXXX XXXX Creditor : XXXX REGIONAL MEDICAL CEN Creditor : XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : 07 XXXX UNIVERSITY Creditor : XXXX/XXXX *In reference to XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGIONAL MEDICAL CENTER, 12 XXXX XXXX XXXX 10XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account status, balance, and date opened, balance is not 100 % accurate.

Creditor : XXXX/XXXX *In reference to XXXX/XXXX, account past 7 yrs. and balance is in error.

Creditor : XXXX XXXX XXXX/NAVIENT Equifax has deleted XXXX XXXX has deleted XXXX XXXX XXXX, XXXX XXXX XXXX XXXX has deleted XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX
This debt has been paid in full since XXXX 2012. There is a XXXX balance for this paid collection. Please remove it from my credit report.
I just filed a complaint against Equifax for incorrect information on my credit report. EQUIFAX is refusing to report correctly. It is my information. I have a right to it accuracy and the info. EQUIFAX was incorrectly reporting the verification that XXXX was included in the bankruptcy incorrectly. That XXXX was not included in the bankruptcy. EQUIFAX is required by law to report the information correctly. They still have the wrong dates reporting for the bankruptcy and the type, so by law it has to be removed. My report is not right the bankruptcy info is still wrong. They have tried several times to add it and can not get it right. It is unethical and illegal to report inaccurate information. The responsibility can not be passed simply because they are getting paid to report. My bankruptcy is an official record and the information can be easily verified.
Credit Bureau refuses to remove or validate erroneous false information on my credit report. Credit Bureau Reps admit that a " computer " verifies it. I have repeatedly asked for their method of verification which is my right under the FCRA section 611 ( a ) ( 7 ). I have contacted the courthouse and I have a letter from the Clerk of Court that stated that they DO NOT VERIFY with the bureaus. They will not tell me what third party vendor they " verify '' with so that I can dispute directly with them. 
The information that they are reporting has many factual inaccuracies which they refuse to correct or delete.