WillisBack/dataset-financial-user-claim huggingface dataset:
My loan payments have not been applied according to my instructions to apply any excess payments towards a principal, rather than future payments. 

On XX/XX/XXXX, I received my monthly bill totaling {$370.00} for my student loan payment due XX/XX/XXXX. 
On XX/XX/XXXX, I provided FedLoan Servicing directions on how to apply my payments toward my student loans. I used the CFPB template to provide these instructions On XX/XX/XXXX, I received notice from my loan servicer that these standing instructions were approved. 

On XX/XX/XXXX, I made a payment towards my student loans of {$400.00}. This was {$24.00} in excess of my bill. None of the payment was applied to the principal on my loans. 

On XX/XX/XXXX, I received a bill for {$370.00} due XX/XX/XXXX. Which included the statement " You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. '' This is counter to my instructions that any excess payments be made to the principal, not future payments. 

On XX/XX/XXXX, I contacted my student loan servicer to request that they change how my payment was applied, in accordance with my instructions. 

On XX/XX/XXXX, I received a response from my loan servicer which read " Your Standing Instructions for all future payments have been approved, however, there were no additional funds from your payment of {$400.00}, submitted on XX/XX/2017, to be used towards any of the principal balances as it was applied to the outstanding interest on the account. When we receive a payment, we apply it to any outstanding interest and the remainder is applied toward the principal balance. Interest accrues daily based on your principal balance. The lower the principal balance, the less interest that accrues. ''
This is our XXXX year that we 've had our home mortgage with Wells Fargo. When we refinanced our mortgage it was with XXXX Mortgage who then sold our mortgage to Wells Fargo. Last year, they increased our Escrow payment by {$16.00} because ( through miscommunication they had n't factored in our Hazard Insurance. We were fine with the increase since originally XXXX thought we would pay our Hazard Insurance, but then at settlement it was decided it would be par of the Escrow. The paperwork was never changed to reflect the additional funds. This year, Wells fargo is trying to increase our Escrow payment again. They attempted to claim they did n't know about the Hazard Insurance. But since they paid it last year, and increased our monthly payments, we did n't agree with the increase. Then they claimed RESPA requires, by law, that the bank keep a two-month cushion in our escrow account. Wells Fargo has enough money to pay all our taxes, but they only have a XXXX month cushion after all XX/XX/XXXX taxes are paid in XXXX. The next tax is n't due until XX/XX/XXXX. I explained that RESPA does not require, by law, that there be a XXXX cushion. The XXXX cushion is strictly bank policy. I finally got Wells Fargo to agree that it is NOT the law, but they wo n't budge on the XXXX cushion even though there is enough money in Escrow to pay the taxes. We ca n't afford the additional increase. While we always pay our mortgage on time, we live very close to our budget and never spend extra money. It is sometimes tough to meet the demands of our mortgage payments, but we continue to pay on time. An increase in monthly payments might make it even more difficult to set money aside for our mortgage, especially when it is not necessary.
I wrote a letter to Experian on ( XXXX ) challenging the reporting and compliance on multiple accounts that are being reported on my credit report with incorrect information. This is against the Fair Credit Reporting Act section 609 ( a ) ( 1 ) which states that CRAs, including major credit bureaus such as XXXX XXXX, " shall, upon request ( by a consumer ), clearly and accurately disclose to the consumer. All information in the consumer 's file at the time of the request '' ( emphasis added ). If the " information in the consumer 's file at the time of the request '' includes account and social security numbers, the provision thus normally requires that the CRA " clearly and accurately '' include such items in its disclosure to consumers. However, because the trigger for a file disclosure is a " request '' by a consumer, a CRA may allow consumers ( such as the individual in your letter ) to choose truncation or other security measures in their own file disclosure. In other words, although Section 609 provides consumers with a right to all information in the file, a CRA may provide a method for the consumer to ask for less than all information and then comply with that " request '' when it makes the disclosure. 
This basically states that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. This is effecting 15 accounts : XXXX XXXX ( XXXX ), ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ), ( XXXX ), ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) I received a response letter XXXX stating that these accounts have been verified as accurate and updated. Which again is impossible due to the account numbers containing " X 's ''. If in fact they verified these, then the correct account numbers should be listed. Since they were not updated, these accounts are not valid.
Initiated a Western Union money transfer to a friend in XXXX on XX/XX/2018 for {$180.00}. Shortly thereafter I received a request via email for numerous pieces of ID for the recipient before the money would be released from the hold placed on the transfer by Western Union. 
The recipient went to their nearest Western Union Office but was unable by showing their ID to get the funds. 
So I went to my local XXXX XXXX  and had them initiate another transfer through Western Union. For this second transfer the recipient was able with his ID to go to the local  Western Union office and obtain the funds. 
I am now trying to cancel the first transfer and have my funds minus any fees returned to the bank account from which the funds were withdrawn, Western Union is demanding that I supply the ID of the recipient before they will return my money. It is an unreasonable demand and I do not have access to the information they are requesting. 
I have already sent a copy of My WA State Driver 's License to XXXX as requested by thier customer service personnel. Just moments ago I received an email from Western Union informing me that they needed the recipient 's current address and city of birth plus a front and back copy of agovernment issued ID. This is a scam to hold onto and use my money.
I have been trying unsuccessfully to get my free credit report from Equifax and XXXX! They are breaking the law that protects U.S. consumers yet they do n't sinply care as we are not there customer. I called Equifax XXXX times and verified my identity successfully and yet no credit report. XXXX does the same thing, I verify my identity and still no credit report for the Equifax bureau. I would like to open a complaint against them because they are violating our rights.
I have submitted several disputes including Ftc.gov Fraud Affidavit to Equifax. I recently sent them a Fraud Affidavit along with a police report with regards to the XXXX XXXX XXXX - Acct # XXXX. I received a response from Equifax stating that they verified account and the item belongs to me. This account do not belong to me. Please help me to get this matter resolved.
I have a mortgage with Wells Fargo since 1996, in the amount of $ {$330000.00}. Balance today is {$260000.00}, which means I have equity in this bank. I wanted to take out a " Line of Credit '' in the amount of {$35000.00} and I was denied, why. I am a single mom that have worked all my life trying to help my children. So I would like you to investigate the bank and give me the correct answer as to why I was denied. Also check their customer service records, as to why they do n't want to give me a line or credit only want me to take out a Line OF Credit, which is low cost to me but put Home Equity Loans which they make money on. Please investigate this bank as other agencies have do,
On XX/XX/XXXX The Bankruptcy Court in XXXX, New Jersey granted my request to dismissed my chapter XXXX bankruptcy case. On XX/XX/XXXX the dismissal was filed with the court. 
Since then, the three credit bureaus ( XXXX, XXXX, Trans Union ) has continue to keep this record on my credit report. This has been causing me and my family prejudice and damages over the years. 
The filing was voluntarily withdrawn by myself and dismissed by the court. Therefore, it was never a bankruptcy and should not be adversely affecting my credit report. This item should not be allowed to cause me and my family prejudicial damage. This is in violation of the Fair Credit Reporting act.
I began protesting the fraudulent behavior of   XXXX   a bout 6 months before grauation due to the extremely poor education, materials and teachers we were experiencing. Finding out that our credits were not transferable and the school was not accredited cost me my company paying for the education. I could not transfer credits and I did not want to start all over again some where else. I kept trying to cram 2 to 3 years of subject matter being learned into 8 weeks while working a full time job was too much. The president at the time was   XXXX   he offered a   XXXX   XXXX   break for educatuon wich we filled out forms for those who continue from   XXXX   XXXX   XXXX   XXXX   and when I went to sign up for my first term they had no knowlege of any papers. I dont have all my papers any more do to a storage unit Nightmare but I still need help I have the 50 billion phone calls I receive from so many different people who call me daily but Im sure it can be supported somehow.
I opened a Sears card 10 years ago ( XXXX ) and lost control of the debt due to hardships. I eventually moved from XXXX to XXXX to start my life over. When my career started to take a positive turn I contacted the credit report agencies to find creditors listed so I can start clearing debt but there was only new cards and student loan debt present. In XXXX of this year my employer informed me that they received a notice from a marshal ( XXXX XXXX ) to garnish my wages and I immediately assumed it was from student loans. Upon contacting DOE, XXXX, and XXXX XXXX, I was informed that the garnishment did not come from them and I was up to date. When I found out who the marshal was he told me that the judgement was from Sears and I had no idea. I called for an official balance and was given misleading information as to the amount. After months of suffering in wages I called again only to find out that after paying over {$2000.00} since XX/XX/XXXX that they intended to take over {$1800.00} more from me without a statement of payments or balance. This is has been hurting my family because I am a single mother of a XXXX XXXX old and we are truly suffering at the hands of a 10 yr old charged off debt that I feel could have been resolved in a fair way. There must be a statue of limitation on these things.
Experian will not allow Dispute of Incorrect Payment History for XXXX XXXX XXXX XXXX.This Debt was discharged in Chapter XXXX XX/XX/XXXX and is reporting as a Charge Off XX/XX/XXXX.
Continental Finance  issued me a   XXXX  card  that was initially for {$300.00}. I understood that there was an initial processing fee and what my balance would be upon receipt of the card. I made my payments on time every month an thought that everything was fine. That 's when I discovered this was not the case. Just about 6 months or so after receiving the card, I called to dispute a duplicate charge on my card. A store that I had patronized inadvertently charged me twice. When I called  XXXX , I was given the complete runaround, left several messages, waiting for a call back that never happened, switched from  one  department to another, and when I finally did get a representative to submit my dispute, I was very detailed in my claim and he STILL only credited my account {$1.00} instead of the {$15.00} that I should have been credited for the double charge. When I called back again, I got the same runaround until I just dropped it altogether. Months later, I am shocked when I get my bill and see that my account is over the credit limit when I made no purchases that month! They charged a {$95.00} annual fee PLUS a monthly maintenance fee of {$10.00} that was never there before, AND an over limit fee!!! Needless to say I was outraged but when I call, of course I need to speak to another department where I am transferred to once again leave a message for a phantom representative that never calls back! Not only that, but the interest rate has ballooned up to over   XXXX   % interest!!! These people are predators and need to be stopped. The meager {$300.00} that they initially offer so graciously  may s eem like a great solution to an immediate situation, but it is a nightmare dealing with these people and a shame that they are allowed to prey on hardworking people like this! I am appalled.
THE NUMBER SHOWS UP XXXX LEAVES MESSAGE TO CALL XXXX TO DISCUSS FURTHER DETAIL DOESNT SAY WHO THEY ARE CALLING FOR AND GIVE THE SECOND NUMBER TO CALL BACK DONT MENTION WHO THEY ARE I BLOCKED THE XXXX NUMBER BUT THEY STILL LEAVE A RECORDED VOICE MAIL FROM THE XXXX FROM WHAT IS XXXX AND WHAT MANY OTHER PEOPLE PUT FOR THE SAME NUMBER COMES UP AS CAPITAL ONE AND SCAM
I recently discovered that I have XXXX liens on my property. XXXX liens were placed in XXXX 2014. The liens only show up on my husbands credit report. This came to light when I was unable to proceed with refinancing our home. We jointly own XXXX pieces of property the majority of which is farmland. 
Apparently my husband was served on XXXX of his breaks home. He is usually XXXX. He did not appear in court and judgments were issued against him BUT the judgments are actually against both of us. The debt in question was unsecured credit card debt that was solely in his name. The creditor in this case is a 3rd party debt buyer who is currently involved in several class action lawsuits as are the XXXX parent companies. Asset Acceptance Capital Corp. was able to get the judgments that resulted in the liens. The XXXX parent companies are Encore & Midland. 

I would like to know if its legal for them to put a lien against property I have interest in when I was n't a party to the debt or the judgement? 
I would also like to know if they are in any way violating the Fair Debt Collection Practices Act in this case? 
I feel I am an injured party because its my understanding that the judgments will last 21 years. 
I have a XXXX mortgage, a HELOC that came due in XXXX. It was always my plan to roll the XXXX & XXXX together and I started that process about 6 weeks before and this is when the issue of the liens came up. 
I could n't answer any questions about the liens as they came as a total surprise to me. The liens are causing me a hardship in that my mortgage has doubled and I 'm afraid we are likely to fall behind. My insurance has already doubled. I ca n't refinance the home and I ca n't sell any of my other properties. Asset Acceptance has way more in assets tied up for me than the debt that is owed and its not my debt.
Wells Fargo failed to stop debits from XXXX after issuing a Stop Payment order well in advanced. They charged me a {$31.00} fee for it but failed to do anything about it.
This company which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX and XXXX. I have requested verification of the debt and account however the business failed to provide adequate proof, along with documentation that bears my signature showing that I have entered into a contractual agreement with them. I have disputed this debt with the credit bureaus, and filed a compliant with the BBB ( Better Business Bureau ).
XXXX AND XXXX XXXX HAVE NOW MERGED! THEIR BUSINESS MODEL HASN'T, THEY CONTINUE PULLING PROMO INQUIRIES FROM EXPERIAN, AFTER CONSUMER OPTED-OUT.
My computer was going crazy with a written and verbal alert of a virus infection. The alert stated that I needed to contact XXXX immediately with the XXXX. I called and a guy presenting himself as a tech offered XXXX service plans to choose from. The plan I chose was {$420.00} for 3yrs. tech. service and lifetime software. Paying by money gram a tech was scheduled that never showed. I called back to complain. At that point I was told the supervisor that the money gram was sent was out on sick leave and that the money had not been received. At that point I told them to cancel the service. the guy who went by the name XXXX told me to keep me a happy customer that they would give me the service free of charge and that the tech would bring my refund in cash as I was given a choice of how I wanted my refund. At that point I was then told to cancel the first money gram and submit another XXXX to another supervisor for same amount and the tech would brig me {$850.00} instead of {$420.00}. This I was told was to establish a log of the transaction of which I refused. This was all because when I returned to XXXX where I 'd purchased the money gram I was told that it had been received. Being uncomfortable with I contacted XXXX by another number and informed that it was a scam and that they do n't conduct business in that manner and they do not send techs to your home. Here are the numbers used by the scammers. XXXX [ tech service ] -- -- XXXX [ billing ] the names are XXXX, XXXX XXXX to whom the money gram was sent in XXXX XXXX XXXX was the person I talked to about the tech not showing up, XXXX XXXX was supervisor in Az. that they wanted me to send the second money gram of {$420.00} and XXXX XXXX was the tech that was suppose to come to my house ; XXXX # XXXX. They even gave a confirmation # XXXX. The real XXXX tech took over two hours to regain control of my computer and over four hours to clean it of the virus they had implanted. In the process they had removed my anti-virus protection. Thanks to XXXX I have my computer back.
National Credit Systems is attempting to collect a debt I do not owe. I had a lease with an apartment complex XXXX XXXX XXXX that was managed originally by XXXX originally ( management changed after I left ). This management company offers leases to students for the time of their school year ( 6 months, 9 months and 12 months ). I signed a 9 month lease with them.

The entire lease payment was made through my scholarship. I have provided the email conversations of coordination of that payment.

After my 9 months, the new management company attempted to accelerate the lease and charge me for additional months and fabricated damages and incredible cleaning charges that amounted to {$7000.00}. I have learned that such scams are common with some unscrupulous management companies to continue to suck revenue out of past tenants and provide an additional income source.
The Consumer Finance Protection Bureau needs to research this not only for me..but for all of the other students who have fallen into this trap.
This company has repeatedly called me over a debt that I do not owe. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I wrote them and letter and explained to them that I do not owe this debt and told them to stop contacting me. I spoke to them 2 times when they called and explained to them that I do not owe this bill. They refuse to stop harassing me. My daughters mom took her to the dr and she signed the finacial responsibility and I explained this to them and told them to call her. They told me that they are calling me because I have insurance on my daughter. I am not responsible for this and I want the harassment to stop.
Please refer to the attached Cease and Desist Order pursuant to 15 USC 1692 g 5b. 
Aldridge Pite LLP are debt collectors and not attorneys. They hold bar cards but spend most of their time filing fraudulent paperwork against homes of Americans who dispute their alleged interest in our homes and then steal homes across America regardless of the serious title issues. I am now one of their victims. I have asked XXXX XXXX and Aldridge Pite LLP to provide me the Account Loan Data from Original lender and they have refused to abide to 15 USc 1692 g. I am in the middle of Quiet Title and I do not have the time or resources to deal with unethical debt collectors. If they provide the account loan data from original lender - I am willing to talk but not to strangers who file fraud paperwork to steal -- and file documents w/out my authorization pursuant to 15 USC 1692c.
This credit reporting agencies has not properly verfied this account belongs to me by getting the creditor to validate information with proper documentation showing this is my account. Because the creditor havent send me proper verfied document. And proving that i have a contract with XXXX.
Deferment program for requested for XXXX and XXXX of XXXX. Contacted company via phone advised that my XXXX XXXX is not show XXXX late for XXXX and XXXX. Sent copy of credit report to company showing account was marked late. XXXX has still not fixed the issue. Also had instant messaging convo requesting new due date in XXXX that was never done. XXXX XXXX who researched the issue is still incorrect. You are not supposed to report XXXX as late if they late payment was done in XXXX. My credit report is currently showing XXXX payments XXXX late which includes XXXX and XXXX XXXX. If your going to hide behind truthful then report it truthful and learn how to send a professional letter to a customer. For account XXXX. Regardless of anything XXXX and XXXX should not be marked as late.
Wells Fargo Bank reduced the obligation amount owed on a line of credit that became past due when I became XXXX and my private XXXX insurer engaged in fraud (certified by the XXXX).  This left me on XXXX so I defaulted on this loan.  I have been trying to sell my home to pay of this loan.  Last year, Wells Fargo agreed to reduce the balance of the loan.  I am re-listing my home with a new agent and he said I need to have the lien on my home reduced to the new amount Wells Fargo settled for before we re-list the house for sale.   The settlement letter I have from Wells is dated XX/XX/XXXX and there is no expiration date on the offer.  When I phoned them to ask for a lien modification so they can get the new payoff in escrow after my house sells, they said they wanted to collect the old amount.  So I said:  "Is your letter of XX/XX/XXXX a lie?"  They said, "yes."  

This is an allegedly shady move on Wells part to agreed to a lowered amount in a letter which is unenforceable because of the lien on my home.  A good faith lender should reduce or eliminate the lien in favor of the negotiated amount in this letter so I can give that to the escrow officer to pay off when the house sells.  

CFPB helped me with this matter back in XX/XX/XXXX.  It has an old case number, but we need a new case opened up on this.  The old case number was used in my letter to you XXXX weeks ago and it resulted in a "duplicate."  So I will not give you the old case number unless you ask for it.  However, with my email address you can see the transaction.  Thank you so much for your help.  I am trying to settle my debts with the sale of my home I built in 1987.  I bought private XXXX insurance so this would not happen, but there is no white collar crime enforcement in this country as respects insurance companies.  Thanks for your help.  I really am grateful for the CFPB.  Best wishes, XXXX
In XX/XX/2010 I foreclosed on my property. I had a HELOC loan ( XXXX ) with XXXX XXXX  attached to that property as well as other loans. Its been over 7 years and XXXX XXXX is still reporting the loan on my credit report as over 180 days past due. I have been in contact with XXXX XXXX and have had no resolution Since I need to apply for other home loans I need to get this off of my report.