WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a vehicle at XXXX in XXXX VA, I owned 4 other cars at that time and told the dealer salemen that I only need a XXXX  for XXXX and XXXX XXXX. I told them I don't live in VA i have North Carolinia dirvers licesnse is that going to be a problem, I was told " no! ". 

It's obvious now they gave me the car and thought " 3 months later '' I'll drump though hoops. 

I didn't live in VA at the time of purchase my drivers license can prove this I had the car repossessed becaue I was told " I '' didn't register the car I can prove this I paid XXXX Tax and Tags I can prove this I currently on this day of XX/XX/2018 have a credit of over {$100.00} dollars I can prove this I tried to find a law that gives the lien holder the right to take the car under these circumstances I couldn't find any. I was told today I need to get VA dirvers licenses I can prove this also. 

I told " XXXX '' from XXXX XXXX XXXX can you ship the car to a XXXX location in N.C. and because it's now a problem and it wasn't them and have them register the car there and I'll pick it up. I was told no " you have to get a VA driver 's license, and hey all you have to do is do that and this matter is resolved ''. I then told her " I'm not getting a licesnse in VA it wasn't required when I brought this car and I don't live in VA ''. 

I also told her well a person can sign an agreement for a loan for 5 years and move! it not a crime to move or is it a problem at all to move when your financing a car. In addition once I obtain a VA license I'm admitting wrong! 

I'll have to send you a copy of all paper work. 


I would like you to publish this and us my name and info :
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX  with no resolution because each organization states it is not their responsibility to report my payment. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX XXXX, the collection agency I paid in full is Keith D Weiner & Associates. I have the letter showing that I satisfied this debt and it is attached to this complaint.
On XXXX XXXX, 2015 I was contacted by XXXX XXXX with Oracle Financial Group. He left a voicemail message on my cell phone with his contact information and a reference number, XXXX at XXXX XXXX.. I returned the call at XXXX XXXX. He stated that they were an arbitrary company for XXXX XXXX XXXX in regards to a debt I owe from XXXX XXXX. I asked him to send me a debt validation notice. He stated that XXXX XXXX XXXX does not communicate through mail so I would not get a validation notice from them. I told him that I would not proceed in further conversation unless I received a notice. He stated that it might take him a while but he would send verification of debt. I still have not received any proper notice of debt. Today, XXXX XXXX, 2015 I received an automated message. They identified themselves as OFG ( Oracle Financial Group ) LLC and the same reference as before, XXXX. They are in direct violation of the Fair Debt Collection Practice Act.
I opened TD Premier checking account by clicking on the button of the attached picture bonus_promo.jpg on XX/XX/XXXX. It promised me {$300.00} bonus if I follow reasonably simple rules listed on the same picture I followed them and by XX/XX/XXXX had $ 2500+ in direct deposits, see " ACH DEPOSIT, XXXX XXXX XXXX XXXX '' marked transactions in XX/XX/XXXX and XX/XX/XXXX statements. Since the promo did n't say when bonus will be paid out and it was n't showing up on my account I submitted online inquiry. Since response was n't of any substance to my particular case I tried again, with the same result ( see attached XXXX and XXXX Since online inquiries werent going anywhere, I started calling TD customer service at XXXX. On XX/XX/XXXX I spoke to XXXX, who did math together with me, agreed that all conditions of the promotion were satisfied, confirmed that having credit card account with TD prior to opening bank account did not disqualify from this promotion and told me that bonus should be paid by XX/XX/XXXX On XX/XX/XXXX I spoke to XXXX, who confirmed everything that XXXX confirmed and promised that I will have a response within a week. On XX/XX/XXXX I spoke to XXXX, who also agreed that I satisfied all the conditions of the promotion yet pointed me at the bonus promo FAQ page ( see Bonus_promo_FAQ.jpg ) and said that bonus will be paid by XX/XX/XXXX according to it ( 95 days after {$2500.00} in direct deposits ) On XX/XX/XXXX I went to my local branch at XXXX XXXX XXXX XXXX, XXXX XXXX , NJ XXXX and spoke to XXXX XXXX ( XXXX XXXXXXXXXXXX ) - who also agreed that all conditions were met and he send an email to XXXXXXXXXXXX, who would supposedly fix it After not receiving any response from XXXXXXXXXXXX in about a week I called customer service again on XX/XX/XXXX and spoke to XXXX. XXXX also agreed that all conditions of the promotion were met. He clarified that there were 2 different promotions, one {$2500.00} in direct deposits within 90 days and bonus payout after 125 days of account opening - the one that I was using, and the other one ( {$2500.00} in direct deposits within 60 days and bonus payout after 95 days after deposits completion - the one described in bonus_promo_FAQ.jpg ) And in my case bonus should have been paid by XX/XX/XXXX and in any case I satisfied conditions of either promotion. He sent email to some promo department and said that they should fix the problem within a week or so It is XX/XX/XXXX now, bonus still have n't been paid. All customer service representatives I spoke to were very courteous and professional. Unfortunately, after 2 online inquiries, 4 calls and 1 in person visit I still was n't able to get promised bonus, so I do n't think they are able to help.
XXXX remove a public record from my account due to the fact that The XXXX bankruptcy court does not report any public records to any credit report agency. 

XXXX  has removed the item but XXXX and Experian has not. I've sent them I certified letters and they still have not removed the item.
I have already filed complaint # XXXX which has been closed with no satisfactory resolution.My continued complaint will be attached
Nelnet has my XXXX benefit documentation yet has failed to update all of my loans and payment status accordingly. They have repeatedly kept asking for social security documents and continuously keep switching me to REPAY then back to PAY AS I EARN then back to REPAY every few months. I do not have a review with the social security administration for another 7 years!!! This is working on my account in bad faith and intentionally trying to create a default on my student loans. A social security recipient should have to continuously keeps going through this every few months with Nelnet. I need the CFPB to investigate on the complaint on this matter.
I have been going through the process of getting on a rate reduction plan with Navient since XX/XX/XXXX. When I called then, knowing my plan was up in XXXX, they told me their computers would not allow them to process anything that far in advance and told me I had no options at that time aside for to wait it out. When I called back in XXXX, I submitted a financial statement and was told that, based on that, I would be able to keep my payments around {$1000.00} a month. I was told to call back at the end of XXXX/beginning of  XXXX to officially process the plan. 

I called back in XXXX and began the process. I was told, that there was no way for me to keep my current rate and it would, without a doubt go up. Well, they processed my request and suggested a {$1100.00} payment, but said it would be a couple of weeks until it was officially approved or denied. They also informed me that these new plans didnt last a year anymore, but only 6 months so I would need to go through this again. 
During this time they acquired a loan of mine from XXXX. When it was acquired I was in the process of a rate reduction plan with XXXX so I called navient to ask about a plan and was told at no time, under any circumstances could my rate be changed. I asked for my promissary note to be sent and they said they would. Two weeks later I got a letter in the mail stating they didnt have this document available yet for me and would try to provide it soon. 

Well, shortly after, my initial claim came back denied because they said I needed to have my cosigner provide a financial statement ( even though I was told in XXXX that wasnt necessary since he is retired and has been for at least 15 years so his statement hasnt changed from the previous year when I applied ). I had him call and provide the information. During that time, the amount they approved me for was charged to my account and I paid two cycles for the XXXX   loan. All the while, my account showed delinquent. I called expressing concern and was told not to worry, it just hasnt been updated yet, everything should go through just fine, it just takes time. 
I was contacted today, after nearly 5 months of communication and told again, it was denied. They said they could approve me at around {$1200.00} a month, but only if I double the terms of my XXXX loan to 300 months ( which would only bring my payments down about {$30.00} a month ). That would make my total monthly payments set at around {$1500.00} a month, but, with extending those XXXX terms, I would end up paying a ridiculous amount more. I asked if I could keep the XXXX loan as is, paying more each month, and was told the rest of the plan wouldnt be approved. I asked how it was so dramatically different each time I spoke to someone and unfortunatly the phone call was dropped before I could speak to a supervisor. I called back, asked to speak to the same person and was told they went on break.
My complaint relates to my loan servicer, Seterus , Inc . Since Seterus began servicing my loan, I have been extremely dissatisfied with their lack of customer service and inaccurate/incomplete reporting on the payment of my mortgage status to the credit reporting agencies. At this time, I am attempting to secure a refinance of my loan with another lender. However, the process has now dragged on for 6 months and the primary road block in the process has been the incomplete and inaccurate reporting on the payment status of my mortgage by the servicer, Seterus. Although it is now late in the month of XX/XX/XXXX, Seterus has not reported any information on the payment status of my loan since XX/XX/XXXX which happens to coincide with the first notice they were given that I intended to refinance the loan elsewhere by requesting a payoff quote. Additionally, the interest rate on my loan is set to increase 1 % on XX/XX/XXXX and Seterus has financial gain at stake by causing delays in information reporting on my loan to the credit reporting agencies. 

The lender that I am attempting to secure a refinanced loan with has received written transaction records of my mortgage payments for the past 12 months noting that they have been made on time ( within grace period ) and they are now pursuing a rapid rescore related to my payment history with the credit reporting agencies. However, this situation is ridiculous, unfair, and causing me to have to pay into a mortgage that is not aligned with my best financial interests as a consumer. 

In addition to what has been stated above, Seterus, Inc. negatively impacted my efforts to refinance by sending an inaccurate " Verification of Mortgage '' document on XX/XX/XXXX showing that my loan has been late 5 times in the past 12 months but they do not specify which months they are recording as late and they note my loan as " current ''! Furthermore, Seterus has not reported any late payments to the credit reporting agencies related to my loan since they began servicing it because it would be false reporting since I have been making my payments within the grace period of the due date for my loan while they have been servicing it.
After CFPB resolved my complaint about XXXX, I applied for a credit card from Capital One. I was immediately notified at the end of the application that I was approved for {$30000.00} line. The card was sent to me immediately and I created user name and password. I was then told I had to call Capital One to verify the card, which I did. I was transfered to Fraud Dept and they said I had to answer questions to verify my identity. I answered several questions correctly and then the agent asked me when I had purchased property at my current address. I had this info readily available and said it was 2001. They said the answer was incorrect. I said I had previously owned a different property at the address, which I transferred, but I would have to look through my files to find the date of the purchase. They said this was not acceptable ; if I could n't answer immediately, my card would be cancelled. So in the end, I wasted several days and have no card.
I called XXXX XXXX XXXX XXXX on XX/XX/18 to make a negotiation so that they can settle my account due to I lost my job, and so that they can close my account after agreeing to the settlement amount. In a recorded line, a certain XXXX XXXX offered me to pay {$1200.00} up front to settle the account instead of paying the whole amount of {$2400.00}. I accepted the offer but before I gave my payment I have ask them to send me the settlement letter of {$1200.00} and that I do not owe any money to them after the settlement. He agreed to send me the settlement letter after 2 weeks or so. He eventually transferred me to another person who took my payment and gave me conf # XXXX. But after 2 weeks I received a letter from XXXX XXXX XXXX stating that I still owe a balance of {$1200.00}. XXXX XXXX XXXX deceived me big time. On XX/XX/18 i tried contacting this company again to ask for the settlement letter but can't reach anyone to help me. Phone # 's are listed below : XXXX XXXX XXXX XXXX XXXX
We completed a short sale on this home XX/XX/17 and Carrington Mortgage was paid {$35000.00} from the short sale proceeds. The XXXX at the time of closing was {$58000.00}. The client has now received a XXXX saying she is being forgiven of {$79000.00}. Although we understand the XXXX is not the same as the payoff quote, we don't understand how there is such a discrepancy. I contacted Carrington on XX/XX/17 via phone and asked for clarification on the {$79000.00}. The rep told me she would have it researched and I would have a response in 5-7 days in writing. I never heard back from Carrington and our client can not file her tax returns without the correct information, so I called again today. I was on the phone over 3 hours and transferred back & forth between collections, customer service, short sale and the tax department. All parties indicated they can not see any information and are unsure where the number came from. So Carrington has issued a XXXX with information that they have no basis for?? The last rep indicated it is my responsibility to prove they are wrong by faxing in a dispute. I have just done so, however this is further delaying my client in filing her return.
The following company requested a credit score from Transunion : XXXX XXXX, TX XXXX ( XXXX ) XXXX I my most current check of my credit score, XXXX XXXX, XXXX, I noticed a hard credit score check on my Transunion XXXX XXXX profile. I did not authorize a credit score check by " XXXX '' nor do I have any information about this company. How do I request that they provide a reason as to why they obtain my credit score information from Transunion? 

Thank you, XXXX XXXX ( XXXX XXXX XXXX Cell
Over the past two weeks, I have received over 50 calls from this number XXXX. When I pick up the phone, the call is IMMEDIATELY disconnected. I started ignoring their calls, however they continue to leave voicemails that are one second of silence. I had no idea who they were or why they were calling me. When I attempt to call them back, I am placed on hold for 20 minutes and was never connected to a person, the line went dead. 

I looked the phone number up online and discovered the company was North American Recovery. I have received no mail communications, no actual phone messages, I do n't know why they are calling me. If i indeed owe them money, they are not letting me know who they are, how much I owe, or how to pay. All I get are hang-ups and empty voicemails.
When I submitted dispute to Equifax they requested that I fax in a number of documents. The fax number they provide on their forms is incorrect and has been this way for over a year. I have attached the form. Call the fax number yourself ... it's disconnected Clearly - they haven't corrected it to make the process more difficult for consumers.
I am writing to you to escalate an extremely serious unfair credit card decision by Citibank. This was regarding my new XXXX XXXX XXXX credit card application. Recently I applied for this XXXX XXXX XXXX credit card online, but it was declined by credit card department. Today a representative ( XXXX XXXX XXXX ) from Citibank executive office called me and explained why this application was declined. The reason that XXXX XXXX gave me was that I opened two new cards over the past 12 months ( not with Citibank, but with other banks ).

First of all, I have outstanding credit score and credit history that you can see in my credit report. Secondly, I know many of my friends who opened even more than two new cards in 12 months but were still approved with new card application by Citibank. Apparently, Citibank treated me very unfairly as opposed to other Citibank customers. This is seriously against US Federal Law of Fair Credit Act. I suspect Citibank credit card representative XXXX XXXX XXXX had discrimination against me because I am minority when she made such a decision. 

I must request Citibank to re-review and approve my application as fair decision compared to other customers. 

For your information, my application ID with Citibank is XXXX.
On  XXXX   XXXX ,   XXXX  , I called  XXXX  to have my telephone ( land line ) disconnected. As can be seen in Exhibit #  1,  the charges for the next month were not due until  XXXX   XXXX ,   XXXX  . However, by  XXXX   XXXX , the line had not been disconnected and the charges became due. I had to call  XXXX  again to have the line disconnected.     The following month, I received a bil l ( Exhibit # 2 )  showing that my account was delinquent. I called  XXXX   ( one  of their countless, undertrained & incompetent representatives ) to complain that it was their negligence, not mine, that had caused this mistake. ( At the time of this call, the representative refused to let me speak to a supervisor when it became clear she did not know what she was talking about ). They refused to make any changes and I refused to pay the bill. In  XXXX , I received yet another bil l ( Exhibit # 3 ).      Also, later in  XXXX , I received a collection notice from  XXXX   XXXX   XXXX   XXXX   ( Exhibit # 4 ).  In response, I sent a let ter ( Exhibit # 5 )  explaining why  XXXX  was in error and that I refused to pay the bill.     There the matter rested until this month, when a routing credit check revealed that that  XXXX  had reported my account as a delinquency  ( Exhibit # 6 ). As a  result, my  credit score  has plummeted from  XXXX  ( in  XXXX ,   XXXX  , I purchased a new car and was told that my credit rating was " the gold standard ''  )  to  XXXX   ( Exhibit # 7 ) . This is a result of  XXXX  's vindictive pursuit of a debt I do not owe.     I would appreciate any assistance that could be provided in removing this stain from my credit rating.      XXXX   XXXX
CBE Group , Inc., a national debt collector, in attempting to collect on a debt that has been processed and accepted by XXXX, an insurance company. The alleged debt arises from XXXX XXXX in the amount of {$4000.00} for four devices and on months service with late fees ( two phones for {$680.00} each, two tablets for {$760.00} each and one hotspot device for {$85.00} ). The telephone numbers and corresponding insurance claim numbers associated with each device are XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, XXXX claim number XXXX for an XXXX, and XXXX for the service on the hot spot device which I own. I tried to pay the {$85.00} for the one month of service with late fee, but I was told by XXXX that the account ( account number XXXX ) had been forwarded to CBE Group , Inc. on XXXX XXXX, 2017. I then informed XXXX XXXX that they are attempting to collect twice and are double dipping while committing at least two criminal acts of wire fraud and insurance fraud as well as violating State and Federal debt collation regulations and laws. 
I have been forced to elect not to have my devices replaced as I am currently homeless and to not have a physical address to mail replacements to. While I understand the norm is to mail out replacements, that is not the case in this instance. Therefore, no money is due by me for the devices, all of which were in use at the time of loss. XXXX XXXX has confirmed the debt associated with my account was sold for {$4000.00} to CBE Group , Inc., the debt collector trying to solicit payment on a debt that, except for the {$85.00}, has already been, or should have been, satisfied. 
In resolution of the double dipping attempt by CBE Group , Inc. I would like full forgiveness of the debt by both CBE Group , Inc. and XXXX along with updated credit reporting data provided to all credit reporting agencies and XXXX XXXX. I would also like this CFPB complaint to be sent to the appropriate State and federal regulatory agencies for a thorough and complete investigation to determine if this practice and type of behavior by the companies involved is the norm as a matter of ordinary business practices.
Public Record DetailsReference Number XXXXDate Filed XXXX XXXX, 2014Date XXXX XXXX, XXXXStatus PaidAmount $ XXXXClassification LienType Tax Lien Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX happened while I was going through a mortgage modification with XXXX XXXX XXXX. I had called them up to correct this error, since it was their error, my taxes are part of my mortgage payment, but XXXX forgot to make payment for XXXX months. I did n't even know about this error, and only found out about it when it showed up on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX
We have applied repeatedly for a loan modification over the last two or three years. Until 1 1/2 years ago we had made our mortgage payments regularly, never had a late payment, and never missed a payment. We had an excellent credit score! I retired one year ago. We also were both terminated from jobs 3 1/2 years ago losing $ XXXXyr in income. Our income is now 1/2 of what it was previously. Nationstar Mortgage keeps offering us a modification which is MORE than the payment we were making when we had to stop payments. The " modified '' payment is 72 % of our income. They have made no reasonable effort to offer us a modification.