WillisBack/dataset-financial-user-claim huggingface dataset:
I joined a bi weekly payment program at Wells Fargo bank and have found out that regardless of when money is recieved payments are applied once a month. Funds are held in an unapplied status. It was my expecation that they payments would be applied to my mortgage as recieved. Please see attached document which provides an example of this. 

Further I make additional principal payments those too are held by Wells Fargo as unapplied funds until my mortgage due date. 

This process seems to unfairly benefit Wells Fargo. Do they collect interest on my unaaplied funds? Do they use my unappllied funds to meet regulatory requirements? If so they are recieving a direct benifit from monies that do not belong to them until they are applied to my mortgage.
Receivables Performance Management is attempting to collect a debt that I do not owe. 
they claim that I owe {$520.00} and this was opened on XX/XX/2018. I have already sent them substantiating documents showing that this was a result of identity theft but they have not been willing to cooperate with me and continue to report this on my credit file.
Please see the attached information. XXXX XXXX along with XXXX XXXX XXXX are attempting to collect on a debt for two student loans without the proper acceptance of a loan and promissory note.The documents provided by XXXX XXXX to validate the debt do not include a signature by myself or the cosigner, instead this signature is typed in electronically and I have never agreed to the terms and conditions of the loans in question or any other loan with this company.Please see the supporting documents and please make XXXX XXXX adhere to fair debt collection practices.
Equifax is reporting a mortgage that is not mine and it has negatively impacted my credit and ability to receive loans. I have asked them to expedite the dispute but they refuse.
I have filed multiple complaints against XXXX and Equifax regarding the following collection accounts, which I DO NOT DISPUTE. This is a bit ridiculous. I am not a credit repair company as they stated before, I am the consumer. I need these disputes REMOVED. This is preventing me from getting a mortgage. As stated previously, I do NOT dispute the below and have proof that I have a payment arrangements and/or paid these in full. 

I have even called the collection agencies directly and they report no dispute, and that a valid payment arrangement is in force. 

XXXX XXXX XXXX, represented by XXXX XXXX in Florida - original creditor XXXX XXXX XXXX. Not disputed, and have valid payment arrangements with XXXX XXXX XXXX. Accounts XXXX and XXXX. 

XXXX XXXX - original creditor XXXX. Not disputed, and have valid payment arrangement XXXX XXXX ( Multiple Accounts ) - all are paid in full
I mailed a Multip le Inquiry Removal Letter  on  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX  , 2017. The r equest that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
They called my wife and gave her a phone number and a case number and told her that they were attempting to serve me at home but I was not there. When I called them to find out what the debt was I realized it was an old time-barred debt.
I made a payment on my auto loan but it was incorrectly applied to a credit card that I no longer have with Bank of America. On XXXX/XXXX/XXXX, I called and spoke with someone who said that they would fix it and provided me a resolution # XXXX. I checked my account a week later and the payment was still applied to the wrong account. I called and spoke with another representative who told me not to worry about it. It has now been over 2 weeks and the issue has not been corrected. My payment due date for my loan was XXXX/XXXX/XXXX and it is now 2 day past due as a result. I am concerned that my credit is going to be affected in a negative fashion due to this error. This needs to be corrected now.
XXXX XXXX XXXX, This message is in direct response to your reply of my CFPB Complaint. Please explain to me where it " requires '' your organization to make constant follow-up calls and emails regarding delinquent accounts. Under what law or statute is this completely legitimized? My question is of particular interest if I 've called to make payment arrangements. The CFPB has also posted a few key points of interest where harassment is imposed when debts are attempting to be collected. Some examples of harassment are : Repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone Obscene or profane language Threats of violence or harm Publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) Calling you without telling you who they are Please provide me with this information, because I do believe if I 've contacted your company to let you know when a payment is being made ( if it 's within 30 days being past due ), that I have the right to be free of any communication from your company. Please also keep in mind that the CFPB posts this message along with the examples above : You can also sue the debt collector for violations of the FDCPA. If you sue under the FDCPA and win, the debt collector must generally pay your attorneys fees and may also have to pay you damages.
I have been an American Express customer for more than 5 years, frequently using their cards and amassing membership reward points. I went to use the points today that I have used over the years and was unable to. They are " reviewing '' my account, but are unable to tell me when the review started, what triggered the review, or when I would be hearing back regarding the review. Furthermore, I was not contacted about this review - only my own attempts to use the points demonstrated the review implemented. 

I have {$4000.00} in points being held hostage with no explanation.
Dynamic Recovery Solutions LLC. used an automated dialer to call me on my cell phone several times without my express consent, in an attempt to collect a debt from a XXXX XXXX, violating the TCPA. On XX/XX/2015 I called Dynamic and asked to speak with their compliance department but the representatives kept asking me if I knew or if I could get a message to XXXX XXXX, repeatedly, over and over again, vilolating FDCPA 1692b ( 3 ). One representative passed me on to another representative who attempted to acquisit ( acquisition ) location information from me, more than once. 
On XX/XX/2015 I called Dynamic and the same thing happened all over again, violating 1692b ( 3 ). I finally talked with representative XXXX XXXX who said he would send my information over to their compliance department. 
Since my first call to them I told them I am XXXX and not XXXX XXXX. It has been impossible to speak to someone in the compliance department, when all I get are other debt collector representatives who continue to violate the FDCPA. Common sense, if my area code is not in the same area code, or State for that matter, the third-party debt collector should investigate a little better before attempting to collect from the consumer. See the XXXX v. Enhanced Recovery order.
I was unemployed for roughly 18 months ( XXXX XXXX - XXXX ) and was told my only options were forbearance or default. Deferment was never mentioned or offered.
I received a bill on XX/XX/XXXX from Transworld Systems Inc. for {$200.00}. This bill had two line items. One item for {$150.00} and another item for {$46.00}. I called to Transworld Systems Inc on XX/XX/XXXX to pay my bill. I gave them my payment information and they processed the payment. The phone operator confirmed that I paid everything showing in her system and that I had no outstanding payments. 

A few months later, I received an alert from my bank that my credit score had changed due to an outstanding debt that I owed. My credit score showed that I owed {$46.00} to Transworld Systems Inc.I called Transworld back and they informed me that I only paid the {$150.00} and still owed {$46.00} ( The phone operator on XX/XX/XXXX told me that I had paid everything that I owed ). I paid the {$46.00} during the phone call on XX/XX/XXXX. 

My credit score is now being affected because it shows that I had an outstanding debt payment for three months, even though I thought I had paid the entire debt in full on time.
I have been attempting to pay down my student loans for the past 17 years and have repeatedly had payments in excess of the minimum due either misapplied or not applied at all. For example, a payment on XX/XX/XXXX was lost, after the check was included in a separate envelope attached to my letter asking for the overpayment amount to be applied to the principal balance on my account without advancing the due date. Additionally, I have twice been charged late fees in spite of never having missed a due date. Late fees were charged to my account on XX/XX/XXXX and again on XX/XX/XXXX, in spite of no gaps in my payment history. 

Only after very carefully reviewing my account, did I discover in late XX/XX/XXXX that Navient was not applying overpayment amounts correctly. Routinely, in spite of providing two separate letters to Navient with clear instructions, Navient would apply overpayment amounts by advancing the due date. This obviously allows Navient to collect interest on a higher principal balance. This issue was addressed through numerous phone calls and eventually the payments were correctly applied. However, the issue continues. On XX/XX/XXXX, Navient again applied an overpayment incorrectly, again with clear instructions on how to apply the payment correctly. 

Unfortunately, I do not have time each month to spend days working to ensure that my payment is applied correctly. I have regrettably resorted, recently, to paying the minimum amount due, so as to avoid the numerous hours and trouble that almost certainly ensues when I attempt to pay toward the principal balance. I would guess that this is precisely what Navient would hope for when making it difficult to pay down student loans. Again, it is not a minor inconvenience ; these practices are a very real impediment to paying off my student loans.
I received a Walmart Credit card in my name in the mail. I called the fraud dept and was told that since I was added as an authorized user to an account, my ex husband added me without my permission, I would be responsible for any unpaid balance and it would be reported on my credit. I was also told that I could not remove myself from the account even though I didn't sign up as an authorized user. He was my ex fiance and knows all that information so how can I be held responsible because he added me as an authorized user and doesn't want to pay his bill? 
The Fraud department states the all you need to add someone as an authorized user is their SS number.
I co-signed a huge student loan for my daughter. She is repaying, but the debt has RUINED my credit rating! What immediate or long term action can I take to get this off of my credit rating??? THANK YOU!
My ex XXXX in XX/XX/XXXX and had an out standing balance on his student loan. The Jude ordered that I was not responsible for his college debt when we divorced in XX/XX/XXXX. In XX/XX/XXXX I started receiving notices that I was delinquent on MY student loan. I called Navient and sent letters explaining that this was not my student loan, that it was my husbands who had XXXX. I also mentioned that the judge had ordered that I would not be responsible for his debt. Navient told me it was infact my loan, for my XXXX XXXX  education. I was never enrolled in college let alone XX/XX/XXXX!!!
I need help with getting this dismissed for breavement.
I paid mortgage loan # XXXX in full on XX/XX/18 to Wells Fargo ... they have relayed the correct status to XXXX  and XXXX, but they have continued reporting delinquent on my XXXX  credit report, precluding my ankle to procure a loan for another property I want to buy ... .their errant and illegal reporting is penalizing me, by my losing a total of 2 properties now, as my lenders wont issue me a loan with this incorrect data being reported EACH MONTH..
Am having a huge problem with Equfax for the past few years they have not be releasing my file to anyone i ca n't disputes online i do n't understand what else to do. I need your help to look into this issue with this company. I want them to release my file so that i can access my report trough third party and also able to disputes incorrect information on their site.
I found out in XX/XX/XXXX that I had 10 accounts opened in my name and I'm in $ XXXX of debt, when I applied for a rental application, I'm currently XXXX due to this. In XX/XX/XXXX I opened a credit card with XXXX. This is the only CC I've had or applied for personally. I checked my credit report and sure enough I have accounts opened that I didn't open and at least one opened in another state I haven't been to since XX/XX/XXXX. I also have employment history for places I didn't work at and addresses I never lived at. I'm a XXXX and I haven't talked to my dad in over 20yrs, so I would assume that maybe some could belong to him or someone else with a similar name.I disputed with XXXX. It's been over 30 days and there are still accounts that haven't come off.
I have disputed accounts # XXXX, XXXX with Credit Bureau Services on XXXX/XXXX/2016 and sent my dispute certified mail requesting validation of this debt. Credit Bureau Services failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XXXX/XXXX/2016 and I have not heard back from Credit Bureau Services, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, I will take legal action.
Sent a payment for a hotel to a friend using PayPal. In the notes, I wrote XXXX hotel. The status went to pending and PayPal requested information. I stated that it was a legal trip ( Americans are allowed to XXXX ). It has now been 5 weeks and my money has not been sent or refunded. I have contacted PayPal several times via phone and email to get this matter resolved and I 'm told every time it would be resolved in 72 hours but no resolution has yet to cut. Even worse PayPal will not return my money or allow me to close my account. I feel that this company has stolen money from me that it will not return
I tried to withdraw into money into my bank account. coinbase said the transaction was completed however it never got to my acct. Several emails and calls later it has now been over 17 days and I still have nothing. Twice I spoke to support and was promised that I would have my money by the end of the day and still nothing. The coinbase blog is full of complaints about this type of complaint. I am fed up with these people they are just plain stealing.
date of withdraw : XX/XX/17 amount : a mere {$93.00} Three emails with no answer at least 5 calls to support in which I was only able to get through twice. I had to share my desktop with them to prove that I never got the money. I showed them my accts and the transaction logs and was promised that it would be resolved by the end of the day. its going on day 18 now and I have heard nothing from coinbase.
Portfolio Recovery Services keeps calling me with different phone numbers. I have no standing unpaid debts in the past 7 years so I do n't know why they keep doing this. There are all these different numbers in the past few weeks. Is this even legal? I understand they have bought information about me from somewhere. How can I get them to stop?!
I have previously submitted a certified letter on XXXX XXXX 2016 and XXXX XXXX 2016 which was received and signed for requesting that a dispute be initiated for a XXXX XXXX XXXX account which is reporting inaccurate information on my Credit Report. After the dispute process this account was verified as " account belongs to you " XXXX XXXX Account # XXXX account is still reporting information which is inaccurate. 
1. XXXX Displays no account information prior to XXXX, however this account states open since XXXX. payment history is incomplete. 

2. Report does not List any XXXX delinquencies however account states charge off. The reporting of this account is inaccurate and incomplete. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. I request to be notified of the outcome of this correspondence? 
Thank you
I have disputed with Penny Mac loan services on a mortgage note that was in mine and my ex husband name. We divorced in XXXX and I have legal documents per my divorce decree that my ex husband was awarded the house and I would be held harmless from all the debt. My ex husband was in the process of selling the house at the end of XXXX and he did not make the last XXXX pmts making him 60 days late. Now it is showing on my credit. That was not my dept and I should not be liable. I was paying my own rent on time. I have no missed payments on my credit. I would like for PennyMac to remove this issue. I have made a dispute with them and they have denied my dispute. I can not get a loan from any XXXX because it looks like that this is my debt and clearly is not. 
Please help.
Went through refinance process with XXXX and elected to pay off XXXX of my XXXX federal student loans, the XXXX with the highest interest rates. Instead of applying the nearly {$6000.00} to those XXXX loans specifically and closing them, Fedloan spread out the nearly {$6000.00} across all XXXX of my student loans even though I have explicit correspondence with my refinance company about which loans are to be paid off with the funds. Fedloan has not resolved the issue and I continue to gain interest on the loans that should be closed due to error on their part.
One XX/XX/2018 I sent a letter to XXXX XXXX XXXX requesting that they validate the debt for the accounts they are posting on my credit report. I have asked for the original contract as I do not recall having any accounts with them, neither have I authorized it. 

They have responded on XX/XX/2018 with generic information from all three accounts stating that at the time of the sale, the Seller provided an electronic file of its business records concerning the account. This tells me nothing about the original transaction. They don't have any of the information I asked for. They haven't provided me with the contract mentioned before, verification procedures of how my identity was confirmed prior to opening these accounts. They have been providing other information, however not the most important ones. 

PRA doesn't have the right to continuously report and hurt my credit without being able to properly verify these items they are reporting on my account.
From XXXX the alleged interest rate was 4.5 % and from XX/XX/XXXX-Present the interest rate is 6.5 %. I would like to see the documentation to support the interest variance. My alleged original principle balance was {$640000.00} and is currently {$640000.00}. I would like to see documentation as to why this amount has increased. There is a reinstatement quote dated XXXX/XXXX/15 which is a breakdown of the alleged amount of {$68000.00} alleged interest due of {$170000.00}, alleged escrow amount of {$210000.00}. I would like to see the breakdown report to support each XXXX of these charges.
I initiated a Funds transfer of {$2500.00} from XXXX XXXX on XXXX XXXX to CapitalOne. This transfer was initiated through CapitalOne mobile application. On XXXX XXXX at XXXX XXXX I received a notification from CapitalOne as confirmation via email that my transfer had been initiated and funds would be delivered by XXXX XXXX, XXXX. After 2 phone calls escalating the issue I was told funds would not be available until XXXX XXXX. This is only the most recent example of delayed transfers. This is a recurring problem.
This account was in to law the XXXX ( XXXX ). The XXXX further clarified and XXXX the XXXX and XXXX ( XXXX ) which benefits XXXX members and was signed into law in XX/XX/XXXX. Was on XX/XX/XXXX and they suppose be delete from my record. This account was paid and closed in good terms. They sold the account to collection and they want charge me the amount againt. They are wrong on the closed date and amount is {$0.00}. It is fraudulent or identity deft.
I told the debt collector that I do not own this debt and it is up to their client to prove I owe the debt. I never did business with XXXX XXXX and never had an accident with XXXX of their insureds.
I tried to explain to this company that my info was used by my deceased father to attain this some type of security system that was apparently put in. We have the same name and my father had bankruptcy and could not do much so I guess used my info somehow and attained this. But nothing has been done to help me with this and it has damaged my credit and caused me stress that I did not and do not deserve. I have no documentation to prove this but IT IS THE TRUTH!!!!
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. 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. Equifax 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. 

Unknown : XXXX