WillisBack/dataset-financial-user-claim huggingface dataset:
I have made several EXTRA payments in the amount of {$500.00} each. There were no late payments or any in arrears. These payments were made with the directive of " apply to Principal only ''. As I noticed, they have been also charging interest on these extra payments. I called them and they told me they deduct interest on each payment made. I originally owed G E Credit for the dental work. They sold it to Synchrony XXXX. When Synchrony Bank started taking my payments, they jacked the interest rate to 28.9 % and they also started charging me {$89.00} for security purposes. After several months, after noticing my amount owed was increasing rather than going lower I called and asked why. They explained and said the would discontinue this charge. That 's when I decided to make extra payments, to lower the bill. I made XXXX extra payments of {$500.00} and noticed they did not apply the payment to the principle balance and charged me interest on the extra payments. I will attach a bill showing the interest deduction.
Hello, my name is XXXX XXXX. I financed a car with XXXX motors and in 2015 I ran into some financial problems due to a loss in the family. I could n't afford the car anymore went late on XXXX payments and they decided to charge off the loan. I immediately sold the car and had the debt settled I really did not want my credit to get worse. But the charge off is still in my credit history is there anyway it could be removed? 

Thank you for your time XXXX bless
WHILE I WAS IN CHAPTER XXXX, MORTGAGE PAYMENTS THAT WERE MISSED WERE NOT REPORTED TO ME UNTIL THE CHAPTER 13 DISCHARGED IN XXXX. 2015. XXXX NOTIFIED ME IN XXXX. 2015 THAT I WAS BEHIND WHILE XXXX HAD MY LOAN. WITHIN 3 MONTHS THE PAYMENTS WERE MADE CURRENT AND HAVE BEEN CURRENT SINCE THAT TIME. I AM ASKING XXXX TO PLEASE REMOVE NEGATIVE INFORMATION FROM MY CREDIT REPORT TO HELP MY CREDIT SCORE. I AM CURRENTLY INTERESTED IN REFI OR DOWNSIZING MY HOME. IT WOULD REALLY HELP IF THE NEGATIVE INFORMATION WAS REMOVED TO ALLOW MY CREDIT SCORE TO IMPROVE FOR BETTER INTEREST RATES.
Please be advised over the past 4 months I have filed 4 complaints and  this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
I summited a dispute with all credit bueraus for Arvest Bank and they did not verify the debt. So credit bureaus did not provided verification of debt i am asking to have this removed off my credit report
I opened a checking account to deposit my paycheck and that was all. I later logged into my account and noticed that there was also a savings account as well. Went into a branch to ask why that was on there, was told it was a way to save for future goals. I did not deposit much into the savings account and at one point moved all money from savings into checking and acquired a fee for a {$0.00} balance account. Was not told that fee would ever be applied.
I have sent several letters asking this company to verify my debt and they have yet to send over any documentation showing that said debt. They continue to report this debt to the credit reporting agencies which is damaging my credit. I have the right due to the Fair Credit Reporting Act to request this information and be provided with it in a timely manner. If they fail to do so they should immediately have this taken off my credit report.
Transunion allowed 5 Unauthorized Credit Inquiries on my credit reports by : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and also by XXXX XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. 
I have written both companies twice on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. I provided them with a copy of the Police Reports to prove identity theft but they have n't removed anything.
Equifax is reporting inaccurate late payments on my credit report that has affected my ability to obtain credit and obtain employment, I was recently denied a job due to inaccuracies on my credit report. I disputed the late payment history with XXXX XXXX and they responded admitting to their errors. They are reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as late when this is not accurate information. My payments are taken out of my checking account automatically every month ; 5 days before the payment is due each month. I was NEVER LATE, ever! I have disputed this incorrect information with Equifax in the past and the information was not changed after their " investigation ''. Please update this information immediately as it has hindered my ability to obtain credit and employment.
XXXX calls from General Revenue Corporation from various numbers for a different person. At least XXXX more calls from representatives from an unidentified debt collector organization. When I call back they all reference an individual with a similar name but different social. Each time I corrected them based on the last XXXX digits of my social being different. They apologize. Each time I inform them that I have had multiple repeat calls from them, my phone number should be removed, and their database needs to be corrected. The tell me " our system says this is the first call ''. XXXX representative became argumentative even though we had already established I was not the person he intended to reach. This is a broken system that is irritating responsible citizens.
In XXXX XXXX I got a mortgage with Wells Fargo. This was paid off and refinanced in XXXX XXXX, with Wells Fargo. 

Wells Fargo did not send a lien release and the paid in full note to me nor did they file with my county and my state that had paid them to do. 

Rather they filed a second lien against my home in XXXX XXXX, Wells Fargo solicited me in XXXX, I did not contact them they contacted me, saying they could modify this loan for free. However this was not what happened they created a brand new Loan without releasing the other Loan or returning to me or my County the Satisfaction of mortgage on this second Loan, little did I know then they were collecting {$1600.00} per Mortgage for helping people who needed help. In fact what they were really doing was solicting their Best Customers who really did not need this at all, I feel sad about that. 

They refiled a third mortgage and lien against my home, without releasing the other two liens or  returning the notes to me indicating that they had been paid in full. Plus the last mortgage they lied about the terms of this Loan While my note Stated it would go up a maximum of 2 % points each year after the initial 7 years the document they sent said it would go up 5 % points. 

In addition I had a Home Equity line of credit that was paid in full and closed no lien release for that either. 

They have been messing me around since XXXX reporting I had not made my XXXX XXXX mortgage payment to the Credit Bureaus, even thought all the paperwork was submitted to prove this was indeed not factual, they sent me three letters wriggling out of fixing it, and every letter contradicted the last letter. 

Now because of these problems and experiences with Wells Fargo, I have paid off all Loans in full, this was done in XXXX XXXX.
I found XXXX more social security on my name and i just have XXXX i dint have more than XXXX.
The holder of my FHA mortgage loan Loancare is refusing to review or look at my current financial information to consider me for loan modification or other homeowner assistance programs. Every time I call I speak to a different person, and they give me the runaround and have set a foreclosure sale date instead of letting me be considered for any homeowner assistance programs. They have set a sale date of XX/XX/XXXX, and over the past several months have never once looked at the paperwork I submitted or given me any feedback or communication. Additionally they have failed to provide Occupied Conveyance paperwork prior to the scheduling of the sale date as required by HUD guidelines. 

I bought this home a little over a year ago. At the time I was making a solid living in sales, and my wife worked at a doctor 's office. We applied for and were qualified for this FHA government purchase loan based on our income at that time. Not long after buying the home my wife was involved in a bad car accident. She was unable to work and I had to take a couple of months off to care for her, so for a period of time there was NO income coming in. When I went back to work the business had dramatically slowed down and it was the holiday season so it was a bad time to try and switch and find a new sales job. Once my wife was ready to go back to work she found that her hours were drastically cut because the doctor she worked for was cutting back on his hours and went on a long vacation as well. The combination of these factors over a few months affected our income and we ended up defaulting on our loan. 

I immediately contacted Loancare to try and resolve this matter and offered to make partial payments while I got back on my feet. I was told no, that I should wait and make the full payment when I could. When I called back to try and make the full payment I was told that they would not accept it because now they needed two months of mortgage payments AND late fees in order to accept my payment. I could not do this and the situation began to snowball. I contacted their agents repeatedly to request the chance to be considered for a loan modification. Every time I called in I would talk to someone different. No one gave me the option to apply for help or be reviewed for any programs, instead I was told the only thing I could do was reinstate the loan. 

I have since found a new job and make a solid living again. I have filled out the home retention package and sent it in to Loancare on several occasions but have never actually been reviewed, never had an assessment completed of my financial circumstances and have never had a point of contact assigned. Instead Loancare marches to foreclosure and denies me access to these programs they are required to review me for. I can afford a reasonable payment and deserve the chance to fix this problem and get back into regular payments on my mortgage loan with Loancare.
Equifax is still reporting the wrong address on my credit report, I do not know where this information is stemming from. 

In correct address below : XXXX XXXX XXXX XXXX New Jersey XXXX I have never have lived at this address!
Dear sir or madam, I opened Wells Fargo everyday checking on XX/XX/2017. At that time, Wells Fargo bank had a promotion to open a checking account. It states that within 150 days of your account open date, your account must receive total qualifying direct deposits of at least {$500.00} per month for 3 consecutive months. We will deposit the {$200.00} checking bonus into your new checking account within 45 days after eligibility and qualifications have been met. 

I met these promotion conditions and did not receive the {$200.00} bonus within 45 days. Therefore, I called Wells Fargo customer service and spoken to a supervisor. She reviewed my account carefully and told me that I have met promotion conditions and I will receive the {$200.00} bonus within 14 days. After 14 days, I still didnt receive the bonus and then I received a letter from Wells Fargo and mentioned that I am ineligible for the promotion. This is contradicted what the customer service supervisor told me. And I believe that I have met all Wells Fargo promotion conditions. 

Please help me to investigate what happened, let Wells Fargo honor what they promised and deposit {$200.00} bonus to my checking account. 



Thank you very much for your help! 
XXXX XXXX
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and Capital One with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Old CFPB Case:XXXX Never Got Resolved.
I have completed all the steps which I was told to do by Citi Bank They have never issued {$300.00} Bonus to my account.
The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.
I had an automatic payment setup with Citi over the phone with an agent. The auto payment worked well but for some reason it never took the payment on XX/XX/2014. and it resumed back again. Contacted Citi but there was no response. This is showing as negative remark on my credit report and affecting my credit score. 
Appreciate if this can be removed.
I was issued a ticket in error in XXXX of 2015. The head of the Building Department sent me an email stating that he would take care of the issue. I received a letter from Municipal Collection Services in XXXX of 2015. I wrote them a letter with a copy of the email from XXXX XXXX. They still place the collection on my credit report reducing my score from XXXX to XXXX. Please fine this collection agency and the City of XXXX XXXX for their carelessness.
For love of XXXX Please help Quality acceptance LLC charged an charged illegal interest rate, refused to contact us when we turned car in a YEAR after we bought it cause they lied, they never let us know it went to auction, refused to send bill of sale of it going to auction, and illegally harassed us to pay the {$8000.00} left on the loan when we turned car in three years early on loan, please help us get {$8000.00} back and ruin this company, we will spend every day and hour, we have letters from over 5 regulators supporting this. Please please get this company to pay me and have them cut off for life for major illegal activity.
My Citi XXXX Credit card was closed by Citi in XXXX XXXX by Citi. Company has continued to charge me interest and fees on the outstanding balance without providing me online access to my statements nor mailing me monthly statements. I called on approx. XXXX XXXX, XXXX to request that copies of all of my statements be mailed to me and was assured that I would have it within approx 48 hours. I received a package of statements around XXXX XXXX, XXXX, and it was incomplete. This credit card continues to charge me interest and fees, which I only find out about through notices from financial/credit apps that I have. I feel all interest and fees on this card from the time Citi is closed the account should be removed and not added again. I do n't know how much money I lost because I ca n't see my records ( number in form below is a guess ). 
My CitiForward card is my other card from Citi. It is still open, however I have the same issue as I have with my XXXX card above - no online access and no paper statements mailed to me. I pay an auto-pay payment initiated from another bank for the minimum payment, so that 's why the account has n't been shut down yet but I want my FULL records.
Midwest Recovery Systems never sent me anything in writing about a supposed debt that is past the statute of limitations in my state of Louisiana. Also, they were rude and verbally abusive when contacted by phone. This company refuses to answer in writing and wrongly claims that the debt is mine. I've asked for validation and they refuse. I'm requesting the removal of this fraudulent account from all three credit reporting agencies.
I have been a loyal citigold and citi priority client sin ce 2007. I ha ve recently tried to open a savings account to be linked to my citibank checking account, but the bank has immediately closed the savings account after opening it. My account has been in good standing for 10 years, and I have been a loyal client for 10 years, I have received very poor customer service, and have complained to customer service as well as the corporate offices of citibank, but they still have not resolved the issue with opening a new savings account. their response was very abusive, rude, and unprofessional.
I was contacted by Ameritech regarding student Loans from XXXX and XXXX XXXX XXXX. XXXX XXXX asked for two monthly payments of XXXX. After I signed an agreement, I didn't feel comfortable with Ameritech and I called to cancel payment and also contacted the credit union. 

Thank you
Citibank has not provided new checking account promotional bonus as promised. 

I have been a Citibank customer for 19 years and have been very satisfied with all products, services and customer response levels. The current issue is with the Citibank response to the CITIGOLD CHECKING PROMOTION XXXX XXXX XXXX BONUS - earned but never received. Fees for this account are {$30.00} per month. 

In XXXX XXXX Citibank was offering a promotion for opening a new CITIGOLD checking account. On XXXX/XXXX/XXXX I requested a confirmation via Secure Message that I was eligible for PROMOTION - CODE # XXXX - XXXX MILES. ( Message Reference XXXX ). Citibank responded on XXXX/XXXX/XXXX and confirmed that I was eligible for XXXX XXXX XXXX promotion and provided the requirements for earning the XXXX XXXX XXXX miles promotion. ( Message Reference XXXX XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I opened the account and made an initial deposit. I then met all requirements completely as Citibank requested in their Secure Message Response of XXXX/XXXX/XXXX Ref. XXXX for earning the promotion. On XXXX/XXXX/XXXX I requested confirmation that I had met all requirements for earning the promotion XXXX XXXX miles and requested the timing of receiving the promotional miles. ( Message Reference XXXX ). On XXXX/XXXX/XXXX Citibank responded, stating that I had met all requirements in XXXX XXXX and that XXXX miles would post to my XXXX account by XXXX/XXXX/XXXX ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX via SECURE CHAT, I requested an update since I had not received the promotional miles in my XXXX account. I was told an INVESTIGATION would be submitted ( Reference XXXX XXXX ). On XXXX/XXXX/XXXX via Secure Message I requested another status update ( Message Reference XXXX ). On XXXX/XXXX/XXXX Citibank responded that my investigation was being reviewed and that a request would be submitted for it to be expedited ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I again requested an update and stated that my next step would be to file CFPB complaint if Citibank did not resolve this issue. ( Message Reference XXXX ) On XXXX/XXXX/XXXX Citibank responded that the INVESTIGATION was still pending and had been expedited ( Message Reference XXXX XXXX XXXX ). On XXXX/XXXX/XXXX I again requested an update and requested that a manager from the executive department call me. ( Message Reference XXXX ) On XXXX/XXXX/XXXX Citibank responded that INVESTIGATION was still in processing. The issue is not resolved. On XXXX/XXXX/XXXX I submitted this CFPB complaint.
IQ Data International Violation of FDCPA 807 ( 8 ) ; FDCPA 809 ( b ) ; FDCPA 811 ( a ) ( 2 ) ; damage to credit report. Several CMMR letters to remove and validate. Last CMRR demand to remove was received by IQ Data on X/X/17. IQ Data refuses to respond. I gave them until X/X/17 to remove content from credit bureaus and notify me, and failed to do so. I am in the process of filing a Small Claims Complaint. <P/>I have filed a complaint against the original owner of the alleged debt - XXXX XXXX XXXX in XXXX XXXX. We are still in litigation and no judgments or awards have been ordered.
Century Financial Services is continually leaving automated messages stating " This is attempt to collect a debt. Call us at XXXX '' without stating who they are calling for. There is no way to reach a live person and I have never heard of this company before.
On XXXX XXXX, 2015, XXXX, a representative from Seterus in the XXXX office, my mortgage servicer, called me and told me by phone that my current interest rate of 2.5 % was being locked in for the life of the loan. This is what I had been asking for since I informed Seterus that I would not be able to make the payments due to excessive medical expenses for myself and my wife. Myself and my wife are senior citizens on a fixed income and I had been calling and sending letters consistently for the past six plus months trying to make a payment arrangement with Seterus. After speaking with XXXX and knowing that Seterus does not often send written confirmation, I myself sent a letter to XXXX XXXX ( the loss mitigation representative I had previously been communicating with ) in the XXXX XXXX office to document our conversation, to thank her, and confirming the payment amount. About one week later, I received another call from XXXX ( did not identify themself ) confirming the payment arrangement. I was then told that written confirmation would come with my XX/XX/XXXX payment coupon. This was incorrect in as much as the XX/XX/XXXX coupon showed the increase in interest rate. In speaking with XXXX XXXX, one of the supervisors at the XXXX office, he claims that I did not complete my paperwork and that everything was put on hold. I did not complete the paperwork because I was told I was approved and l locked in for the interest rate. I was not informed that I had to turn in any additional paperwork when I was verbally informed of the locked in interest rate of 2.5 %. XXXX told me that because I did not submit the paperwork that the fixed interest rate was canceled. He told me to turn in the financial documents and send them to XXXX office which I am doing.
On XX/XX/XXXX, I pulled a copy of my credit report from Experian. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to XXXX disputing said alleged account and asked for validation. 

Experian failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to Experian requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has Experian marked my credit report as being " disputed '' ; although, Experian continues to report said item.