WillisBack/dataset-financial-user-claim huggingface dataset:
Hi, I have an account with BB & T # XXXX I pay monthly car loan payment of {$470.00} and recently I paid Extra Payment ( Second bi-monthly payment ) to reduce the principal but it went towards interest. I understand bank always finds a way to get money from customer but I want to reduce the principal as well. 

I filed several case with CFPB and finally I had a chat with XXXX XXXX, BB & T Branch banker, He explained everything and it was very clear until my second extra payment went towards interest, He told me any payment amount over {$470.00} will go towards to reduce the principal but he lied. It went straight to interest. {$2.00} made on XXXX/XXXX/2016. I was going to make more amount but I was afraid they charge extra interest and they did even after they said extra payment will reduce Principal, not deducted as interest. 

Right, now I 'm really disappointed and I want them to put {$2.00} toward principal as they promised or I was {$2.00} back.
Sent : XX/XX/XXXX To : CFPB Subject : Having problems with Cross Country Mortgage My credit report is now ruined because of them! 




Dear Sir or Madam : I tried rectifying this situation over a year ago. Nothing was ever done about it. Now, this situation has caused late payments on my credit report! My credit is now ruined because of this. Because of Cross Country Mortgage, I can not get a refinance, and I can not buy any investment properties. I don't owe the amount shown on my the statements that I have been receiving. I really want to sue at this point. I would like for you to know that my escrow was never paid when I first got this mortgage, leaving an escrow balance that they have refused to resolve. They have continued to make false phone calls harassing me trying to get me to make extra payments that I don't owe. My loan should not be in default, although it shows late payments on my credit report. My insurance has never lapsed and they are saying that I am behind in payments and that I owe {$2200.00} as of XX/XX/XXXX. I have never missed one payment. The payment should be $ 587 monthly. I have never missed a beat with it. 

Insurance binders have been faxed in to the company multiple times to show that there has been no lapse in insurance coverage. 

The company will not acknowledge their mistake and they won't fix it either. The money was never applied to my account when I first obtained the mortgage in XXXX. Through my own research, I found out that there were two account numbers in question. I tried explaining this to Cross Country. I shouldn't have to keep reaching out to this company and they refuse to fix things. I am afraid of losing my home because of these errors on my credit report and these extra payments that they are saying that I owe. I DON'T OWE! 




Sincerely, XXXX XXXX XXXX
Upon reviewing my Transunion Credit Report, on XXXX/XXXX/16 ; it was reported that a new collection was added to my report from XXXX XXXX XXXX XXXX XXXX. XXXX. This same account was reported to be removed from my Transunion Credit Report on XXXX/XXXX/2016. On the report from XXXX/XXXX/16 it states the Debt Collector as XXXX XXXX XXXX and the Original Creditor as XXXX XXXX XXXX XXXX XXXX, XXXX, it states balance owed as {$0.00}.
Why would I have to pay almost {$100.00} to freeze my family 's credit when the credit bureau lost my information? I did not ask them to keep a report and now I am supposed to pay to fix THEIR problem? 
Do I have to wait till my credit gets stolen? 
HELLO IS THERE ANYBODY THERE WITH SOME COMMON SENSE and RESPONSIBILITY? 
They make money on our back and when they XXXX up they charge us more?
All address ' listed except XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Are not mine
I contacted Transunion customer service because I have been a VICTIM of their inquiry issue would not help and take care of the negative inquiries reporting to your credit report. 


XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Recently became aware of a credit card with   XXXX   XXXX   that was opened in my name by my sister and her husband. The account is past due and affe cting credit score because  both my sister and her husband were   XXXX   in an   XXXX   XXXX   so nobody is making payments on it anymore. This is how i became aware of the account by getting phone calls about a past due account. Spoke with banks fraud department and informed them that I knew the individuals that opened and were using the account but that I did not open or use the account and they requested a statement as well as the   XXXX   XXXX   of my sister which I faxed to them.  After 2 weeks never heard back from them and called them again to get the status and was put on hold for over 30 minutes and when the rep returned she simply told me that the account had been closed and when I a sked what that meant I was not given any further information. I assume they are refusing to assist with this fraudulent account since they would not say anything more other than the account was closed and there was nothing they were obligated to do.
We purchased a car from a Bank of America account holder on XXXX XXXX, 2015. A BOA notary notarized the bill of sale and we paid off the loan. To date, we nor the seller have received the lien release from BOA. We are being told that the document is in the mail. It has been over a week and we have not been able to get the car titled in our name. They have our money, but are keeping us from using the car because we can not get it titled, registered and licensed in our name. This should not be happening in this day and age of technology.
Credit Acceptance is reporting that I have an unresolved balance with their company for {$2700.00}. However, this balance was included in a Chapter XXXX bankruptcy that was XXXX some time ago. Credit Acceptance is violating federal bankruptcy law by continuing to report that I owe them for this loan.
I HAVE REQUESTED PHYSICAL DOCUMENTATION OF MY SIGNATURE FOR MY OWN REVIEW NEVER RECEIVED ANYTHING.I have a a unverified account from CMI GROUP # XXXX. I had previously disputed this account. I have never done business with CMI GROUP # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CMI GROUP # XXXX I DEMAND THIS ACCOUNT BE DELETED UNTIL PROOF OF CLAIM IS PROVIDED.
I owned a property XXXX XXXX XXXX XXXX XXXXXXXX PA for may years and had it rented. During these years I paid the required housing permit fees and business privilege taxes on my rental receipts. In XXXX I sold the property on a long term agreement of sale and notified the city that the property was sold. They reviewed the contract ( for a fee ) and approved the sale and understood it was no longer a rental property and I would no longer be required to pay these fees. In XXXX I received a letter XXXX indicating that I had not paid privilege tax or permit fees since XXXX and issued a bill which included past fees and penalties. I reminded them of the letter which they issued to me in XXXX and provided it to them. All of this was done in the same department XXXX, but with different employees. I spoke with everyone, except the Solicitor XXXX who did not return my calls or emails ) and was told " we changed our policy ''. My response is and always has been, they could change the policy on new transactions, but my contract was already exempt. Needless to say, this fell on deaf ears and they have continued to bill me and have sent this to a collection agency. My credit has been damaged badly and I seem to have no recourse. I settled on the property after the buyer made his last payment at the end of XXXX, but I still am fighting XXXX on this. Attached is the letters XX/XX/XXXX exempting me from the fees, the letter XX/XX/XXXX trying to collect past fees, the statements from the collection agency, the most recent letters from the collection agency and XXXX indicating that I still owe the fees, and a page on my credit report showing the collection and my otherwise perfect credit. This has cased me great harm, I can not get the same rates or credit that I should be entitled to. Please help me with this problem. Thank you, XXXX XXXX
Millenium Financial Group, is trying to collection on a debt I open with XXXX 's in 2008. That debt is outdated and should not be able to be collected on. I have paid out all my accounts with XXXX in XXXX, Tx. What best describes my situation was not above as an Outdated account that is trying to be collected on. There needs to be a check box for Outdated debts as well for my situation just as well as other consumers.
I purchased a vehicle back in XXXX and it was financed through Lobel Financial. I was in desperate need of a car with my XXXX children. The salesman was so desperate he sold me a lemon. The car broke down on me on the freeway with my children in it. They repossed the car and have since then have been trying to collect the debt. I know there are XXXX laws against this kind of things to protect me and I want to know my rights and how I can fight this case.
I recently received a letter in the mail regarding a past due balance of {$100.00} from a collection agency, XXXX, as stated in the attached letter. On XX/XX/2016, I called Bank of the West and spoke with XXXX, a service banker located at XXXX XXXX, NV XXXX. Per XXXX, my account was closed in XX/XX/2016 and was re-opened on XX/XX/2016, by Bank of the West, due to an automatic bill pay service that attempted to withdraw funds. She stated this bill pay service was not paid by my account with Bank of the West but the re-opened account was charged an NSF fee. Bank of the West re-opened my account without my permission and/or notifying me and is charging me a monthly maintenance fee and NSF fee for an attempted payment. XXXX mentioned this is a common practice for a bank to re-open an account once it has been closed and will not drop the charges. I am still unaware as to how I can be held responsible for charges made on an account that should not exist.
I sent letters of dispute on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX regarding their failure to remove my account from their reporting and showing a derogatory that is more than 8 years old which by law must be removed after 7 years from the first " late '' payment. This was a Wells Fargo credit card account that was closed some years ago.. Wells Fargo replied to XXXX. that they would not remove the account/derogatory at this time.
PNC Bank re-ordered my transactions to charge XXXX fees, instead of XXXX. This has happened more than once to me recently and it caused a downward spiral of my finances for weeks. I was able to get refunds on some, but it took hours on the phone while at my job. In the print-outs attached, the XXXX transaction is what made my account negative. The XX/XX/XXXX fee refund was for the XX/XX/XXXX fee. The XX/XX/XXXX fee was caused by the XX/XX/XXXX XXXX transaction. So why the XX/XX/XXXX fee? The bank 's explanation is that the XX/XX/XXXX fee was caused by check XXXX on XX/XX/XXXX. That check pended for XXXX days and cleared before the XXXX transaction was pending. After the check cleared, the balance in the account was {$1.00}. I saw this happen and that scenario is refected on the print-outs. However, the bank took the XXXX transaction XXXX, according to bank personnel and the explanation attached to the XXXX, which I could not print. So that caused XXXX fees, the XX/XX/XXXX fee and the XX/XX/XXXX fee. I was able to get a refund on the XX/XX/XXXX fee. This should be illegal and this agency should be stopping this.
Capital One sent my credit card statements to my old office despite the fact that I sent them a change of address showing my new office suite number. 
I got a call from their collection Department after several months and I explained what happened. They reversed the late charges and penalties, but reported my account to the credit agencies as delinquent and in collection. My credit score has been significantly lowered and Capital One refuses to correct the information they gave the credit agencies. ( see attachments )
On   XXXX   XXXX   XXXX     I received a voice message on my home phone that " suspicious activity '' was detected on my   XXXX   XXXX   XXXX    Checking Acc ount. I was advised to go to a local branch and close my account and to show  2  pieces of identification. I did so the next business day on  X/XX/17    and my account was closed, a new account opened and a new debit card issued. On  X/XX/17    I was at the bank going over my account and it was noted that {$1200.00} was withdrawn from my new bank account that was set up on   XXXX     by  Western Union.  I had my account immediately frozen, a new account opened, filed a Police Report with  XXXX  Police Department and enrolled in   XXXX   XXXX  . I was advised to not use my home computer and to throw it away as whoever had " hacked '' into my account had m y IP a ddress. A fraud complaint was filed with   XXXX   XXXX   XXXX  . All of these things were done. About a week later I started receiving phone messages from  Western Union whi ch I did not return as I had no business with them. On   XXXX   XXXX   XXXX    , I received a letter from  Western Union  demanding payment for {$1200.00 } ( copies enclosed ). I h ave responded to  Western Union  that I do not know the person that is listed on their   XXXX   XXXX   XXXX     letter and did not authoriz e Western Union to debit  my account for any money.
I contacted TransUnion in reference to a large number of inquiries on my credit report that I did not authorize. I spoke with a representative at TransUnion about this issue and I requested that they remove these inquiries, but their customer service rep would not help take care of the negative inquiries reporting to my credit. The following inquires were NOT authorized by me : 1. XXXX XXXX, XX/XX/XXXX 2. XXXX XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX, XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX 7. XXXX, XX/XX/XXXX 8. XXXX, XX/XX/XXXX 9. XXXX, XX/XX/XXXX 10. XXXX, XX/XX/XXXX 11. XXXX, XX/XX/XXXX 12. XXXX XXXX, XX/XX/XXXX
This is regarding my mortgage with Capital One Loan Number XXXX. Until XX/XX/XXXX my monthly mortgage payment was {$2200.00} but in month of XX/XX/XXXX you increased the monthly payment to {$5000.00}, without any prior notice and tried to withdrew that money from my account since I was under impression that only {$2200.00} is due so I never bother to arrange any money and the ACH requested got returned and the same this repeated next month as well. I never logged into my account in these two months but when in XX/XX/XXXX I logged back in I saw what happened and requested to take a payment on my account but because of these two unauthorized attempts of {$5000.00}, I immediately called Capital One there was a hold put on my account for Capital One 360 by XXXX XXXX XXXX but anyways I still sent a payment by Bill pay service. Had I knew this payment was coming in XX/XX/XXXX or sooner I would have made arrangements. In last 8 years I was never late leave the missing payment aside ; Even in XX/XX/XXXX bank told me my monthly payment will be {$3200.00} and some change but when I called Capital One 360 On XX/XX/XXXX, I was informed my payment was not {$3200.00} it {$3400.00} and the customer service representative I was talking to XXXX agreed on recorded line with her consent, that it was wrong information provide to me by bank. With this lack of communication from Capital One 360 this all had happened and negative items were reported to my credit bureaus. I request you to please remove this negative reporting for my account from all credit bureau. I do have all proof to prove it. I 'll appreciate this if you just take one thing in consideration that I have be a good customer for last eight years and take care of this and avoid me any further frustration.
Discover IT issuing credit cards based on shady predatory lending practices. Issued me a credit card with a 20 % interest rate and a {$7500.00} credit limit on a poor/limited credit history. Only other credit card I had was a few years prior and was only for {$500.00} which defaulted when I lost my job.
I graduated from school with around {$35000.00} in debt. Being a woman, I was never able to make enough to even make a dent in the debt. Men always made twice or more than me. For ten years, I was only able to make the minimum payments and that was only after years of economic deferment which grew the debt. Then I had children and have been unemployed for a long time. Navient took over my debt which has now grown to {$80000.00}. They have nearly doubled it and even added an extra $ XXXX because of my lateness. I am now XXXX, in my XXXX, and so broke I have nothing, own nothing, struggle every day. I have told them I ca n't make payments and likely never will be able to. I ca n't even live comfortably and often go without food. It has been over 20 years since I graduated from college. Navient refuses to help and even when I gave them all of the information they needed, they still refuse to help. This loan needs to be discharged. It has been 20 years. They just harass me and keep my credit destroyed. Even if I made minimum payments, I would n't be able to repay this loan until I am in my XXXX. It is horrendous. It is a crime. And the education I received did absolutely nothing to help me financially - the biggest factor being because I am a woman. We will never be paid fairly. I wish I had known beforehand that I would never be able to pay these loans back. But I was told it would be fine, I would make money, I would easily pay these loans back. I was told it would be easy. I was XXXX when I signed up for the loans, not knowing anything about money or finance. I was lied to and misled.
i have a account that was that was a utlity account back in XXXX with XXXX company ... ..the account was paid and closed in XXXX ..i have contact experian on several occasions and disputed that date that the account was paid with the company ... .and it was not varified it was just updated every time the dispute was made to a more recent date ... XXXX failed to confirm the exact paid date ... ..just kept updating the information to the current date that it was disputed ... ..the account was never a charge off ... .the company failed to varify the correct information ... .and remove the trade line resulting in a more paid in full charge off when it should been removed because the company could not varify correct information ...
On XX/XX/2018. I pulled my XXXX credit report showing my Volkswagen Credit account for my XXXX XXXX XXXX still seems to show open on my XXXX Credit Report. A comment was placed on the account that reads " account payments managed by a financial counseling program ''. This is a fraudulent comment that has been placed on my XXXX report as no payments are being managed by a counseling agency. On my XXXX  & XXXX report, the account shows closed & paid off. I have been trying to resolve this with XXXX for over 2 years, and they always come back saying Volkswagen has verified the account has still open. XXXX continues to violate the FCRA and keep this account open. Volkswagen Credit has not verified this account correctly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . XXXX XXXX XXXX XXXX XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since 2002 till present.

XXXX, TRANS UNION, AND XXXX   made my life miserable.

I can not refinance my house loan.

I can not cash out since 2002 till present.

As a XXXX XXXX I can not do " A '' loans for my clients because of the damage they have done to my credit. Their damages to my credit suggests that I have bad credit, which makes me ineligible to help clients who have good credit. They have defamed my character with false reports.

Credit card companies will not approve me.

Banks will not approve me to obtain loans.

I have to purchase Bond to enable me to do b and c loans.
I have a credit monotoring service after a breech in my personal information with a hospital I attended. I received an alert that XXXX has made a hard inquiry to my credit reports. I already have a credit account that am currently paying off from XXXX so I sent a message via online to XXXX asking who had authorized the credit inquiry. I spoke to XXXX on saturday and was told that this was forwarded to the fraud department and flagged so no credit increase or credit account was open but they did create higher security features to my account so that no one can use make any changes to my account without my verbal consent. I am not only working to improve my credit but do not have any interest in obtaning a higher credit with kohls. XXXX is aware that this inquiry was not mine and suggested I speak to the credit agencies to have this inquiry removed since nothing was changed in my account. The incident was flagged and nothing happened as a result. YOu may contact XXXX directly to confirm this. I ask that you please remove the hard inquies as i have not authorized these.
I have an account reporting on my credit that is not mines. I have never used these services before nor have I giving anyone else permission on my behalf. The information stated in the account is bogus and has no relation to me.
XXXX XXXX XXXX reported a debt on my report. I asked the top three credit bureaus to remove the debt because it is not my debt. This company reported a bill from XXXX XXXX XXXX for almost {$1800.00} that is not my debt and not even in my correct name. I have called the company and their information is not correct, they do not have my correct ssn or any other information that pertains to me ; but Experian states that they verified all the information and it is correct. This debt needs to be removed IMMEDIATELY. This is the third request and I have had enough. It is not my name, not my bill ( debt. ) I am exhausted with this.
I've recently pulled my credit report and noticed that there's a collection from Wells Fargo Mortgage on my credit report. Over the past 4 months I have requested validation of this account from Wells Fargo. As of today ; I have not received any correspondence from Wells Fargo regarding this collection account. As per the FDCPA, I have the right to request a validation of this debt. Well Fargo Mortgage is reporting invalidated information to the 3 major credit bureaus ; which is considered defamation of character. This negative listing on my credit credit report does not allow me to enjoy the benefits of good credit. Until Wells Fargo validate this debt, they can not continue collection activities nor report this information on my credit report.
Hello. 
I 'm currently trying to apply for mortgage loan, during the process my credit report is showing that one of my installment loans with Fifth XXXX Bank is reporting a late payment. I been paying them and never missed a payment with them. Also if you notice In my credit report I have never been late on any of my loans and credit cards. Also I contacted Fifth Third Bank regarding this issue and they have advice me to contact FTC to get it resolved. This is very important that I get this late payment removed, it 's report in all XXXX bareu and affecting my mortgage loan.
Please find attached a letters of disputes to XXXX, XXXX and XXXX on XXXX 2016 in regard to a Capital One Account that I had asked under the Debt Verification Rule to produce the negative debt of {$7000.00} that is being improperly recorded within the 30 days required. Also find attached a Dismissal Letter of the case in XXXX County Clerk of the Courts ( Florida ) for non production of debt. Under the Debt Verification Rule, XXXX, XXXX and XXXX cited that the negative debt remained with proof from Capital One. I have never received any of these documentations to this current date to prove the debt. And by admission of the courts, they also did n't receive any proof of debt and dismissed the case on my behalf.