WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I realized I was no longer able to work, my condition had grown worse. In XXXX, I applied for Social Security XXXX Insurance, and in XXXX I applied for Credit Protection Services for my Bank of America Visa Card. Unbelievably, XXXX was easier to obtain. BoA started making frequent collection calls as I fell behind, but, no one could tell me what happened to my application or status for Credit Protection. BoA started making monthly negative credit reports on my account and closed my account, despite my request to keep it open while ( I thought ) my application for Credit Protection was processed. 
I was awarded XXXX XXXX. Once I started to receive monthly income, I started trying to make on time payments to BoA for my Visa account. BoA continued to make negative monthly reports, and frequently would change the date late payments were posted. My credit score plummeted. I could not even buy a bed to help my back. No one would tell me why I was not covered under the Credit Protection Service. In XXXX XX/XX/XXXX, I was able to make my last payment to BoA and $ XXXX my debt. To my surprise, BoA never posted the account was paid off, but, instead started posting that my account was overdue, 30, 60, 90 + days, when it was paid off. Then, for reasons I do not know, BoA offers to allow me to re-request Credit Protection Services, in XXXX. I completed the application with doctor 's signature. I also included my XXXX award letter, XXXX XXXX IME 's and proof that I was trying to work in XXXX XX/XX/XXXX. This time, BoA awarded my Credit Protection Services, and sent me XXXX letters, on accepting my XXXX start date and XXXX denying a XXXX start date, which was fine. I also received a check for {$910.00} for fees, which is great. 
However, no corrections have been posted to any Credit Agency to update and improve my credit scores. My credit is still very low, directly due to the negative reporting and lack of positive reporting by BoA. I have missed out on houses on the market to try to lower my monthly expenses and can not get any credit until these years of BoA 's bad credit reporting are fixed. 
I have documents but can not upload from my home.
I have my current mortgage with US Bank Home Mortgage. I pay my mortgage payments ahead when I can to give me a " cushion '' for anything unexpected in the upcoming year where I may not be able to make payments for months at a time. I have always done this and specified on each payment I make what month it is for and NOT to apply it to my principal. 

However, US Bank keeps applying my payments to my principal. This is despite very clear written instructions I send with my payment NOT TO APPLY TO PRINCIPAL and that it is for a particular month payment. I write this on the payment stub, I place a written post-it on the stub stating the same plus I send to the office they told me to send it to so that an actual person is opening the envelope and seeing my instructions.Yet, despite all this, they persist in applying it to my principal. 

They are allocating my payments they way they want to without my permission! I have called them and they've corrected it and they reassure me they will place instructions on my account that my payments made early should be applied to the next month 's payment. But this is still not corrected. They persist in allocating my payments inappropriately despite my explicit instructions NOT to apply to principal. This has happened with payments I made with checks dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. And that is just this year alone. I have to constantly monitor my account now to see what they're doing and call them each time to get this corrected. I don't know how a bank is permitted to use my payments as they wish against my instructions. Please contact them to rectify. 
Thank you.
It comes to my attention that your company has placed erroneous information on my credit file. I am lost for words on why your company would attempt to do something like this. It appears to me that your professionalism is by far professional in anyway. I have been in contact with your company for at least a year. I have never called to dispute any information on the phone. I have sent certified internal dispute letters and affidavits consistently. Never received nothing more than silence and the lack of reply during this time shows me the only way to attack this situation where I am accused of owing these debts that your company placed on my file as errors is to contact the FTC which I have filed a complaint, file a suit and a hearing is dated in XX/XX/2018. I have spoken to my lawyer and the best thing for me to do was allow him to continue dealing with your company until the hearing and court date. I have tried to find many ways to contact you by mail and online but I didnt receive any reply and its been a month. I am fed up and filed with anger. 
I have attached the errors on inquiries and accounts. Please take a look at the attachments. If you decide to contact me by email I will be forwarding all information to my lawyer from this point on.
Car was turned in and lease terminatedXX/XX/XXXX, plate were returned to DMV early XX/XX/XXXX. For some reason my account with XXXX XXXX   continues to remain open with XXXX XXXX though I have not had the car since last XX/XX/XXXX. I do not have any vehicles through XXXX XXXX at this time. In XX/XX/XXXX an accidental payment of XXXX was made on this account that I did not even know was even open any longer. I contacted XXXX   and was asked to provide proof that plates were handed into the DMV because I was being charged for property tax. I emailed and provided this info to an email address that was provided by XXXX XXXX. I have called several times between XX/XX/XXXX and now XX/XX/XXXX and my money has not been returned to me with not through explaination why. On several occasions I have put in phone calls and sat on hold for extended periods of time. I have been told that I would recieve phone calls back and nothing has happened. I am still waiting for my XXXX.
I purchased a promotion item, interest free for XXXX, with my Home Depot credit card. I paid off the promotion item in time but Home Depot applied my payments to other charges I made after the promotion purchase. In other words, they applied my payments to my most recent purchases, thus voiding the promotional offer and causing me to accrue {$100.00} interest on the promotional purchase.
I requested Transunion to remove 2 bankruptcies from my credit report that were filed but never discharged due to bad legal advice. As you can see from my credit history I was current on all my debt. This should not be on my credit under the Fair Credit Reporting Act. XXXX   investigated and removed it and I feel Transunion should too. When I tried to get my credit report today XX/XX/2018, Transunion refused to provide it unless I paid their {$19.00} a month ransom.
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

Incorrect and inaccurate information is being furnished on my credit report. I do not XXXX XXXX nor do I have an outstanding balance with them. see attachment Document password - XXXX
Re : Credence RM This company was asked by XXXX as well as myself numerous times to remove their claim from my credit report. I owed a balance to XXXX in XX/XX/2017 and I paid the balance in full to XXXX. The company called Credence placed a negative mark on my credit report stating I owed and paid them, not correct. The original creditor requested them to remove this claim. This continues a year later to show up. Credence has caused me damage both in obtaining a mortgage and has cost me job opportunities. This must be removed it is a false claim.
I have been trying to work with chase now for 9 months regarding our inability to pay. Weekly I call them, I do everything they ask. They refuse to answer my questions or call me back. I have an agent helping us and they wo n't help any of us. They have lost my file & let all my documents expire. I need to relocate and nobody there knows anything. I need them to help me and get back to us and answer our questions. After 9 months we 've exhausted our efforts, o do n't want to lose my house because they wo n't help us.
Experian has been charging my credit card for years now for XXXX/mo. I discovered this charge occurring 2 months ago. Every time I try to call to cancel this charge ( which is the only way to cancel ), there is a 2-hour wait time. Today I called at XXXX XXXX  and the prompt message said that I would be waiting over 15 minutes which I thought was reasonable, however I am still on hold and it has been over an hour. I am a XXXX   woman who is no longer employed and I am steadfast at getting this charge removed. This is the biggest scam, rip-off I have ever encountered, by a company that appears to be trustworthy. How many MILLIONS of dollars have they robbed from Americans? It is sickening ... all I know is several years back I wanted to get a credit report, to rebuild my credit and paid XXXX for a report. Years later, they have taken hundreds of dollars from me unknowingly and under the guise of being an honest business. I have never received a phone call or email from the company or standard mail for the XXXX/mo charge and what those services are that are provided to me for XXXX/mo ... .another reason it's a scam. I hope a class action law suit is eventually made on this company and I hope one day that I am reimbursed for being robbed by Experian. I'm filing this complaint while still on hold, so far its been an hour and 12 minutes and no response on the other line. Luckily I'm unemployed currently and don't have other obligations other than filing a consumer report while waiting to speak with scam artists.
On my XXXX report Car Finance is reporting my account as XXXX past due which is incorrect. My account is current and my balance is incorrect as well. I tried to contact XXXX to dispute online but they are having system problems as well as a data breach issue. My score has dropped 50 point because of this incorrect, inaccurate reporting. Please help thank you!
I need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Applied for new job and Equifax Report is inaccurate in few areas. My work history on there is from XX/XX/XXXX or so. It is not current. Also, my house sold on XX/XX/XXXX and it does not show on my report. I need to have my information updated. 
I have reached out to Equifax through their site Trusted ID and dont know how to get a hold of them to resolve my inaccurate information that is hurting my chances to find employment. 
Thank you for any assistance or guidance you can give
I paid off my x wifes XXXX loan in XXXX of 2012 thru a settlement with a company called XXXX. Now a company called Navient is showing that the money is still owed on my credit report.
I called TransUnion on XX/XX/18 to dispute inaccuracies in my credit file. XXXX XXXX XXXX  XXXX reported to TransUnion on XX/XX/18 that my account balance was {$240.00} and my new credit limit is {$1700.00} with a utilization of 14 % and an overall credit card utilization of 22 % but TransUnion displays old information from XX/XX/18, TransUnion currently displays that my XXXX XXXX XXXX  XXXX credit card has a balance of {$560.00} and the old limit of {$750.00}, TransUnion did this out of spite because I am suing them. TransUnion has out dated information in my account to make me look like Im irresponsible with money when in actuality Ive been great with money, I paid my balances down and received a credit limit increase from XXXX XXXX XXXX  XXXX but that is a problem for TransUnion because they intentionally try to make Credit worthy individuals look like theyre irresponsible and less than they are. A supervisor said she would investigate the matter and make it right but I havent heard from her since I first talked to her. Now every time I call the reps hang up in my face. I uploaded my current XXXX XXXX XXXX  statement as irrefutable proof that TransUnion has inaccurate outdated information in my credit file.
The XXXX XXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to XXXX, Equifax and XXXX  Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



XXXX Equifax XXXX
Complaint submitted on XX/XX/XXXX to Transunion, XXXX, and XXXX. The have not deleted any incorrect information. The things reported in XX/XX/XXXX are still on the credit report this is XX/XX/XXXX ,11years. The statue of limitations is 7 years. Inaccurate information should have been removed 3 years ago.
After multiple letters sent to Equifax credit bureu hard inquiries and accounts are still showing please help remove from my credit report. 
The following inquiries were not approved by me and I do n't have accounts with them : XXXX The following accounts should be deleted : XXXX
On XXXX XXXX XXXX for Eastpoint Recovery called me and told me that file # XXXX that was forwarded to my office, this is not a solicitation, this is regarding a very urgent matter that was forwarded to my office .... Your file has been red flagged as a direct refusal to resolve ... .I will grant you a final opportunity to get in contact with this office ... ... .I will be making my final recommendation that we do move forward on the file ... ..unfortunately this will be assigned for further action ... ... at XXXX tomorrow I go to a meeting to assign your file from further action, and I am trying to prevent that from happening. 

Then on XXXX Eastpoint Recovery called me again, saying .... My name is XXXX XXXX, XXXX as in Sheriff ... .. We have a problem here, do you have a son? ... .. We have a problem sir ... ..This is regarding XXXX Bank XXXX XXXX XXXX XXXX I guess you bought some stuff online .... You were paying on it from three years. 

Eastpoint and their debt collection representatives harassed me and pretended to be a government official. Clear violations of the FDCPA and the Texas Finance Code.
XXXX XXXX mislead my dreams of higher education. Now I 'm in debt and have nothing to show for it. Im constantly being harassed by collection agencies and it 's making me depressed. '' They promised job placement and I was mislead regarding student loans. The courses I completed were non transferable as well. I was told they were.
I was going over my credit reports XXXX XXXX, XXXX, Equifax and found XXXX  XXXX # XXXX listed on my credit file. I have never seen this account before and I have never done business with this company. I seen accounts from XXXX  XXXX, XXXX XXXX, all of which I have never done business with and never received any types of notification for a bill or account status. I have no ideal who has possibly compromised my personal information. I have filed a police report.
The house was in foreclosure, through the foreclosure case and after the final Judgment was rendered, we agree to a loan modification, the bank chase imposed a probatory payment period, through such period we made timely payments in excess of {$6000.00} towards the loan modification, later after receiving the money Chase decided to disallowed the loan modification abs refused to counter sign it and proceeded to allow the sale of the property in the court steps, in the XXXX hour we were able to get the full judgment amount and retrieved the property form the court steps, paying off the loan, Chase refused to return the payments made in lieu of the failed modification, for which they had no legal ability to charge and now claim they just dont know how ti solve the probem, they were fully paid for the mortgage with all legal fees as awarded by the court, they were not entitled to charge for a modification they never agreed to.
I recently refinanced to a loan with Loan Depot, XXXX XXXX XXXX XXXX Tx. XXXX. Loan Depot never sent me my statement the first month I was with them. I called in on XX/XX/2016 to get a statement. Loan Depot sent me a statement and I made my payment over the phone. I called back XX/XX/XXXX and XX/XX/XXXX to make sure payment was received because I did n't see it come out of my account. Both times, I was reassured that my payment went through and posted. My payment did not post due to a wrong account number and I was charged a fee for this. I called in multiple times to confirm that payment went through and was reassured both times that payment went through just fine.
Hello, I purchased a automobile in XXXX 2015. I instructed the dealer to ONLY run XXXX report ... Later, XXXX or more showed hard inquiries showed up on my XXXX credit reports. I called each company and asked them to remove ... No Luck ... On XXXX XXXX, i called XXXX and they convinced me to sign up with them and i told them i would, but i did not wanted a soft or hard report ran on my current loan. 
I told them i just wanted to compare rates, nothing else .... Later that day, i began receiving Multiple email offers and phone calls ... I contacted XXXX XXXX and complained. 
The emails and phone calls continued for 2 days ... i am now getting mail from a few of the companies that were calling. i checked my credit report later that week and discovered XXXX new injuries ... i called Leading tree and all of the companies that did the hard injuries and asked them to remove these inquires. I did not authorize any inquires in XXXX and i only authorized XXXX in XXXX of Last Year. I would like these inquires removed. I have disputed these over and over.. i am getting no where.
XXXX XXXX i received a charge on my account form XXXX ( furniture rental ) for XXXX that was not valid. i filed a dispute that they stated would take up to 10 business days. they came stating i needed to provide documentation that this charge was not valid. but did not ask the vendor to provide documentation that it was.!!! of course they bounced everything in the account that would have been more than covered if the unauthorized charge was not there! the manager at the branch allowed me to withdraw cash pending dispute resolution which i appreciated or else i would not have been able to buy gas or food .. when i called about it i was hung up on by a rude rep who got upset when i asked to speak to a supervisor. This dispute is not being handled correctly or fairly because the bank does not want to refund XXXX in fees. 
then on XXXX/XXXX/15 and XXXX/XXXX/15 i was charged XXXX in fees because of the way the bank posted the payments they bounced out charges for XXXX XXXX XXXX and XXXX to be able to charge the XXXX per day max -- then did it again on XX/XX/XXXX i spoke to a supervisor on XXXX/XXXX/15 who told me the the end of the business day is XXXX so slot of what they charged me fees for technically posted before the end of friday 's business day!!!! the way they handled those fees was underhanded! i asked for documentation for the charges to dispute the fees and was met with resistance. i want documentation about those charges and posting since i am not ok with paying XXXX in additional fees when at most i should have paid XXXX possibly XXXX. Also when i filed a dispute the last time i had a problem with the bank i was told each office has a budget for fee refunds and it took almost 2 weeks to get the refunds i was due since they has to go to other offices who had more money in their budgets for fees.!!!!!!!!!!!!!!!!!!! that is absolutely ridiculous if the bank is wrong and a refund is owed then pay it!!!!!!!!!!!!!!!!!!!! they should not be able to limit how many funds they refund if the BANK IS IN THE WRONG!!!!!!!!!!!!!! i would also like to know the legality of that policy as well. i want the dispute handled the correct way
Experian failed to remove a fraudulent collections account from my report even though XXXX  and XXXX  both removed the account.
Company is XXXX XXXX. Have disputed debt on credit report and requested validation. Company has continued to report debt on credit reports without providing any communication or responding to requests.
My top secret security clearance was cancelled due to information my company received from American Express regarding charges on my company credit card. I have asked for signed charge slips for all charges, especially the obvioius fraud to XXXX for over {$16000.00}. I plan to file a police report. In the past I have asked for explanation for these charges but have never received them. I am hoping CFPB can help me clear my name.
For two months, Wells Fargo has been taking money from my account to cover the overdraft of someone else 's account. This last time they took all of my paycheck to the point of me losing my job because I could not fix my vehicle. Lost my vehicle because I could not work. Have no food due to no job and vehicle so no money. I am sick and tired of this. The account they used my money to cover has a guaranteed deposit the XXXX of every month which would make it positive again. Corporate office of Wells Fargo refuses to replace the money because it is their right of write-off policy. They say it is my consumer policy that I was given when I opened the account. I receive not such policy in the paperwork I was given. They refuse to contact me before taking money from me. They refuse to talk to the other account holder. This is Theft and they all need to be thrown in prison for life.
I started to buy a house and was given a contract that did not list the accurate address of the contract. My mortgage broker requested that the contract be fixed on XXXX/XXXX/15. I had requested several times before and after the XXXX via email and through my realtor and mortgage broker to the attorney representing the seller for my escrow check to be returned. I also lost my job and have sent them a termination letter and a mortgage denial letter for all of these reasons and they now say that I have delayed the process. They do not respond now. The contract was not legal and the seller refuses to terminate the incorrect contract.
On XX/XX/XXXX I was routinely checking my credit score on XXXX. Much to my surprise my over 800 credit score had dropped by 45 points in a matter of 9 days due to a derogatory account on my credit report. Immediately I contacted TransUnion and XXXX to have the account removed. I have also contacted the company, XXXX, via phone without appropriate resolution. Now I have decided to send certified mail and requested receipt to the company demanding immediate action. Letter is as follows " I am contacting you in writing to address a collection placed on credit report in the last two weeks. I have not received a bill regarding this collection. Previously I had received bills for a visit for my daughter going to the ER and payments have been made. Please provide proof of the account and historical payment history to document account is 1. Delinquent 2. Length of Delinquency 3. Total balance owed. I would like to swiftly resolve this matter and requesting XXXX to remove the debt, derogatory condition, from my credit report immediately as it has negatively impacted my over 800 credit score. '' From my credit report the account was opened on XX/XX/XXXX and reported to credit agencies on XX/XX/XXXX. What are consumer rights to address collections? What about accounts making more than the minimum payment required?