WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I had located a Certified Pre-Owned vehicle of interest through internet searches at XXXX XXXX. Since we live 5 hours away from this dealership, we were communicating with XXXX XXXX and XXXX through email and phone calls to further qualify our interest and the condition of the vehicle. We had numerous phone calls, emails, texts with XXXX over a 2 week period. On Monday, XX/XX/XXXX, we told XXXX that we would make the trip to look at the car that Saturday, XX/XX/XXXX. We asked if we could place a deposit on the vehicle so that they would hold it until we got there. She said no, that the manager would not allow it since it was the end of the month. XXXX called us on Wednesday, XX/XX/XXXX to inform us the vehicle was still there. She sent us some additional pictures, paperwork for credit applications and a credit card authorization form to obtain a deposit. She said it was to minimize our time in the dealership since we'd be traveling such a distance to get there. We submitted the completed paperwork on XX/XX/XXXX. That day, my husband 's credit score was pulled twice. Then on Saturday, XX/XX/XXXX, both of our credit scores were pulled two additional times each, for a total of 6 inquiries in two days. This was especially surprising since XXXX was aware we had an established, perfect payment history with XXXX XXXX from a different vehicle purchase earlier this year. During our multiple conversations with XXXX over the two weeks prior, we had expressed our interest in financing through XXXX XXXX with this purchase as well. Therefore, negating the need for any credit pulls whatsoever, as XXXX XXXX can approve a credit application without a credit inquiry. 

When we arrived at the dealership, not only were we upset at the unnecessary credit inquiries, we also found the car to be in unsatisfactory condition. This was advertised as a Certified Pre-Owned vehicle, yet 3 of the 4 tires needed to be replaced. One had a plug in it, and two more were at the wear bar. We were told by XXXX that there was nothing to be done since the service department had already closed. There were also very deep scratches inside the vehicle in the backseat. None of these significant details were provided to us in any of the prior conversations we had with XXXX, nor did any of her pictures portray this damage. Given our extensive research on this specific vehicle, time spent with XXXX during the two weeks prior AND the fact that we had made the appointment 5 days in advance, we were disgusted. No one from XXXX XXXX has contacted us since this incident occurred.
This company calls and leaves a message without disclosing who they intended to contact and left only a return contact number and reference number. Upon calling back and providing the purported reference number, the XXXX representative advised no direct knowledge and then disconnected the line when I inquired about further information.I called back because it is unlawful for even legitimate collection agencies to continue calling a company or person and fail to provide specific information and acknowledge the purpose of their call. Upon calling back, again the representative ( another one ) suggested it was " Credit Control LLC '' and then blindly transferred me to another representative who after providing the reference number and telephone number now thrice that a " XXXX XXXX '' was the ONLY person familiar with the matter. Now that just sounds like a load of nonsense ... Completely unprofessional and unethical ... I told him since they could n't seem to read the federal and state regulations that govern the practices of these collection agencies WITH COMPREHENSION that I 'd inform CFPB and maybe you all can assist them.
They call my mother every day for the past 2 weeks and They told her that I'm behind with my payments and that if I don't pay by Friday that they are going to garnish my wages and I will have to pay an extra {$100.00} for the suit
Date Open XX/XX/2017 Ask them to Delete {$1300.00} From XXXX  and it remained non removel on report, I need this {$1300.00} Removal damaging my score and report
On XX/XX/2018, I received an e-mail from XXXX XXXX of Title Cash Now.Com at XXXX XXXX XXXX in XXXX, Georgia, XXXX, stating she wanted to " help me ''. I went to her office to what I thought was to discuss and settle the payment for my car, and as I was speaking to her, she called an armed police and a tow company, grabbed the keys from me, threatened me at gunpoint, and towed my car. XXXX XXXX, the General Manager of the office know as Title Cash Now.Com title pawn. The police officer was XXXX XXXX, and the tow company was called XXXX XXXX XXXX XXXX. They have several offices in XXXX, Georgia and hide under the number Title Cash Now.com, which I checked and was not registered under the state of Georgia. The company registered is called TCN , Inc. owned by XXXX XXXX XXXX. 
They are usingunfair, deceptive or abusive practice that violate federal law. They continue to expand with more stores in XXXX, but are not held liable for their criminal activity toward consumers. As in the case of CFPB Vs. XXXX XXXX, XXXX. they violate all of the same violations, and even more. They do not explain the risks involved with their process, such as this instance where they use threat, deception and violence, and do not encourage early payoffs. I hope that CFPB will investigate this company and bring justice to all who have been harmed by their illegal activity.
I had reported Personal Finance Company, now known as Mariner Finance in regards to their handling of a personal loan I had with them. They had agreed that if I paid their offered settlement amount, they would delete ALL negative reporting history and late payments reflecting on those accounts from my credit report. 

I paid the offered settlement amount over the phone after speaking with one of their representatives about what they had offered through their response to my complaint. They agreed that the actions promised would be taken. I made certain to have the rep confirm that the late payments would be deleted from my report right before providing my credit card information to make the settlement payment. She agreed this would happen and so I made the payment. 

Despite all of this, Mariner Finance has lied and did not remove the late history for this account from my credit reports as promised. I have in writing from them where they said this would happen and attempted to dispute this with the credit bureaus and Mariner Finance still refuses to do what they promised to do. Not only that, but they changed the status of the account to a charge-off, after I had paid what they asked. This is completely unethical and horrible treatment of the customer. 

I have attached a copy of their original response to my first complaint that shows where they said they would remove the late payment history.
OPENED SECURED CREDIT CARD PAYED ON IT EVERY MONTH AND ONE MONTH REPORTED 30 DAYS LATE HAD NO BALANCE SO DID NOT MAKE PAYMENT THAT MONTH THEY SAID I OWED EVEN IF DIDNT HAVE BALANCE NOT FAIR JUST TRYING TO LIVE ONE DAY AT A TIME THANKS
On XX/XX/XXXX I checked my bank account and noticed that Sallie Mae had taken out XXXX of my bank account and they were not authorized to do so. I called them immediately and they told me it was an accident and not on purpose and it would take 3 to 5 days for a refund. It took multiple phone calls on my part to get this problem taken care of and I was treated poorly throughout the entire process. I do n't know how anyone takes out over 2 grand on accident. I ended up getting my refund a week later and was thoroughly stressed throughout the whole situation. I am a hard-working single mom and this was just unacceptable I know people make mistakes but that caused me to not be able to pay bills and pay for other daily essentials. Fast forward to XX/XX/XXXX I check my bank account and I see that Sallie Mae again took out money from my account XXXX. I did not authorize this transaction either and I am completely frustrated with this company for their mistakes that they have made. I am writing to you to inform you of how poorly this company is ( Sallie Mae ) and what customers of them have to deal with on a day to day basis.
On XX/XX/2019 American Express is trying to commit extortion, buy sending my an email stating that if I don't make a purchase using their card they will close my account which may impact my credit score. to summarize : " We noticed that you haven't used your Account in a while, and unfortunately, your account is automatically scheduled to close soon. As with any change in account status, this closure could impact your credit score. If you'd like to keep your account open, simply make a purchase on your Card by XX/XX/19. " this is the definition of extortion - the practice of obtaining something, especially money, through force or threats.
I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION LISTED BELOW, WHICH APPEARS ON MY CREDIT REORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITYTHEFT. A HAND WRITTEN LIST OF 9 ITEMS IS ATTACKTO THE LETTER.
Creditor is reporting incorrect information, XXXX XXXX XXXX XXXX and incorrect information is showing on my transunion account. This is showing negative collection activity on my credit as well as my score. The car was paid off in full in XXXX, and i am no longer as well the holder of this vehicle. My account status is showing purchased by another lender, and their is no lender because the account is closed and paid in full, which is what should be reflected in the comments/status of this account.
Nationstar Mortgage LLC Is my LENDER and SERVICER, I have an existing complaint filed with your office relating to XXXX QWR letters I sent in XXXX 2016 and XXXX 2016 that was answered incomplete and when I filed a complainton your site you granted thier requested for another 60 days which would be 4 months worth of time all together to answer the start of the QWR letter dated, this XXXX XXXX th, which is well over the required 30 days to answer, I do n't think they should of been granted a total of 4 months, I sent the XXXX QWR letters by certified mail return receipt requested and received the returns by the post-office signed. 
NOW I AM FILING ANOTHER NEW COMPLAINT! 
I requested that Nationstar allow me to submit for a loan modification, XX/XX/2016 they sent the loan application by way of e-mail to go to the line site and download the documents with instructions, I did and completed the forms, signed the data and sent all the required documents by our state library fax machine, i received an e-mail from Nationstar the documents were received and completed on XXXX XXXX, and would review for approval. 
I called few times for the status, a rep would say something is missing and it was n't, and later I would call and another would say all is complete and nothing missing, this happened a few times, than out of the blue I went to check my mail and found a notice of sheriff sale date notice for XXXX XXXX, 2016, I m XXXX years, and my husband is bedridden, this notice shocked us and panicked.us, I called our state attorney 's office and faxed the proof that we made application and proof the documents were complete, and the sale is stayed-attorney as shown on the sheriff 's site. THIS IS DUAL TRACKING AND WE WANT YOUR OFFICE TO INVESTIGATE THIS MATTER., PLEASE! 
I am attaching the verification with this complaint,
a family gave me a {$1000.00} check for my birthday I cashed it on XXXX XXXX and the bank froze my account, my account says I have a total of {$860.00} now after maintenance fees have been payed every month sinceXX/XX/XXXX but my account is still locked and I cant purchase anything
Recently I noticed a company called XXXX XXXX XXXX Reporting a debt for XXXX XXXX amount XXXX .. I called them and advised them this debt was included in bankruptcy case # XXXX chapter XXXX discharged XX/XX/05.. their response was we don't have any information about that.. when I researched this company, they attempt to collect old debt. They are still reporting this debt to the credit bureau which is affecting my credit
On XX/XX/XXXX, I received a phone call from this company. I spoke to a person who represented herself as a supervisor. Her voicemail says her name is XXXX. Another agent referred to her as Ms. XXXX, I believe. She recited my name, birth date, and even social security number correctly. She purported to be looking for my address or place of business for the purpose of service of process regarding a complaint made to their company by another company ( Check into Cash ) regarding alleged loans from XX/XX/XXXX and XX/XX/XXXX. 

I refused to provide any additional information. However, I told them that I made no such transactions and that I suspected identity theft. I also asked for the contact information of the attorney or law firm handling the matter, so that I might contact them to resolve the issue. I was informed that there is currently no attorney involved. That their company refers cases to various unspecified attorneys. I asked to have them provide me the name of the firm or attorney to whom they refer the case when they do so. They refused to provide any information. When I told them that I am a XXXX XXXX XXXX, they asked for my XXXX XXXX. I told them that it is a matter of public record and that they can contact the XXXX XXXX or look it up online. 

I asked Ms. XXXX whether the company is registered to do business in California. She stated that it is. However, I have not located any registration for this company with the California Secretary of State.
My complaint is against Toyota Financial Services. We returned a leased vehicle and got another XXXX except it was under my name. The returned leased vehicle was under my wife 's name. Toyota financial sent us a bill for {$350.00} which was the disposition ( return ) fee. However the return fee was waived since we got another toyota vehicle. Per Toyota Financial request, I faxed them a signed letter ( 3 times ) with the the old and new account numbers by both myself and and wife, I also spoke with numrous accoutn representatives at Toyota Financial. I spent a lot of my valuable time to resolve this issue. Yet, we still get payment demand letters from them and the last letter was from a collection agent. I called back and the representaive did not know how to handle the situation. Please help. Thank you
over a week ago I had sent a letter to XXXX XXXX at XXXX XXXX XXXX, XXXX, TN requesting that contact to me be made by mail only. I specified no contacting my family friends etc. On 1. ) XXXX/XXXX/15 a representative from world finance came to my home, gave my husband a confidential envelope but still 2. ) discussed my loan with him! 3. ) They also continue to call me every day sometimes XXXX a day.
They call repeatedly giving me false answers to my questions below is the timeline just over the past XXXX weeks-Talked to a rep on XXXX said they called the creditor and they said they would settle for XXXX and said my credit report will show PIF but the creditor will not agree to remove it off my credit and will remain on there till date expected to be removed unless I pay full amount. I asked my credit counselor if this was the best thing to do she said no not to pay it unless they agree to remove it completely. 
Talked to a rep asha on XXXX told them about the conversation I had with the other rep and told them what my counsel had told me and they said let me place u on hold to ask my supervisor to make sure the debt can be removed got back on the phone and stated supervisor approved for her to put a note on the account about the deletion told her before we proceed I need that in writing said she would email a document over to me and call me back the call was at XXXX per phone records. I never received the documentation via email. Called asha back at XXXX stating I have not received the document no answer left a message. Called me back at XXXX left me a VM saying she needed more information from me before she sends the letter. XXXX called me saying he was the operations manager and to call him back called back spoke to him he said they do not do settlement offers like that and they wo n't be able to delete it unless I paid the full amount. I became frustrated at him since I clearly was n't told that not even an hour before said that he would call the creditor and ask. Never called back.
My mortgage banker was PennyMac Mortgage in XXXX XXXX, XXXX XXXX XXXX and XXXX ( current mortgage ) paid Penny Mac {$150000.00} to a principal balance of {$150000.00}. Penny Mac insisted that a refund check was issued on XXXX XXXX, I got XXXX for {$60.00}, that is all. Other than this I have made extra payments in XX/XX/2014 for XXXX and XXXX payments of {$250.00} in XX/XX/2014 which were never applied to the principal. I have requested several times for a summary of all payments made by me from XX/XX/2013 to XX/XX/2014 and never received this. What kind of a mortgage company is Penny Mac hoarding the money of a poor homeowner who was never late in making payments, biweekly drawn by Penny Mac from my checking account. This was simple mortgage no insurance or taxes included, I pay for these out of pocket.
XXXX XXXX XXXX is incorrectly posting a 30 last to my credit file. This is been negatively effecting me for more than 8 months now. They have admitted that were wrong and sent the late payment I was forced to pay back ( as see by the documentation that I have uploaded to this complaint ). It is not right and an inaccurate repot of 30 days late they can't send me a refund but continue to post that I was late. P
Some years back, I bought a small house through XXXX XXXX, in XXXX XXXX, WI. A bit after paying on the mortgage, with no late fees, no missed payments or problems, my wife and I received notification, that our mortgage had been sold to Seterus Company. It has been one nightmare after another since Seterus has taken over our mortgage. Rude, collection agency tactics, unresponsive to requests to speak with supervisors, speak to the main office, the complaint department or a manager. Lost payments we paid by the company and then requests for the same payment over again. Foreclosure threats, even before the payment date is due, applying payments late to our mortgage, though confirmation of them having received the payment many days before. My wife and I are at wits end. Could you please help us with this huge problem.
CASE # XXXX Companies have return policies that they are required to follow just like I'm required to follow them if I want to return something to a company XXXX XXXX have return policies they have a XXXX XXXX guarantee policies this information is relatively easy to find you can contact XXXX you can contact any XXXX XXXX contact the one closest to you and ask them if they have a XXXX XXXX satisfaction guarantee and you will see that I am telling the truth so please explain to me how you've come to this conclusion how is it possible that a company can have an advertised guarantee an advertised return policy in whenever I want to enforce that policy that is publicly displayed my credit card company doesn't agree with me. I would request that the merchant provide proof that they did what they claim they expect me to provide proof well then why can't I expect them to provide proof them just saying they did something isn't proof I did not receive any compensation myself XXXX XXXX did not receive any compensation from this hotel You keep sending me form letters but you're not actually answering my question I'm not going to go away until you answer my question they have a satisfaction guarantee policy it's advertised on their own website in addition to that the hotel did nothing that they claimed they were going to do you're telling me that they told you that they we're giving me points I never received any of that why can't you show me proof? I don't think it's unreasonable for me to ask to see the proof what documentation do you have that proves that they are right and I am wrong?
Daily, continuous automated calls from XXXX. Recording advises of an urgent, important matter regarding my daughter who has not lived with me for numerous years. I press XXXX ' as instructed to speak to an operator and then the line hangs up.
On XXXX XXXX, 2017, I filed a dispute with Equifax ( XXXX ) in regards to my credit inquiries. I submitted my police report ( XXXX ), and they are refusing to remove the inquiries I did not authorized. They are repeatedly telling me to contact the creditor, and when I call the creditor they tell me they have no record of my name in their database. I spoke to someone from Equifax fraud department on X/XX/2017.
XXXX XXXX/XXXX/15 I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
I made a payment on XX/XX/2018 of XXXX dollars. When I submitted the payment the screen went blank I didn't get a confirmation number and didn't think much of it at the time. About 2 or 3 weeks later I got a letter saying my account was closed due to failure to pay the same day I was getting phone calls from a number I didn't know. These calls would leave a blank message and would happen 8 to 12 times a day. I answer one and was told my account was past due and that a payment needed made. I told the lady that I already made a payment and i didn't understand why my account was closed. She told me to send the bank statement with proof that I paid. I went online and printed out a payment made to them by my bank on XX/XX/XXXX. I sent it with a letter saying to fix it and to stop calling me. The calls dwindled off about XX/XX/XXXX with only 3 being made with blank messages. I then got a letter saying the would do some more research into the information I provided them. I then got a letter saying that they needed a 15 digit number from my bank. I went to my bank and asked them about it and the lady at the counter looked at me dumbfounded and said she never heard of such a thing.
I have a banking account with TD Bank. TDBank has a consistent pattern. If you get a statement on the XXXX of the month and you pay your bills on the XXXX, they both go in the same date and TD Bank will charge you an Overdraft Fee for EACH payment that you paid electronically. They have totaled for last month taken over {$800.00} in one month in overdraft fees. Since the beginning of the year it has been over {$2000.00}.