WillisBack/dataset-financial-user-claim huggingface dataset:
description : I got a leased car XXXX XXXX XXXX from XXXX XXXX   XXXX ( in XXXX NJ, ) and the financing company is XXXX XXXX XXXX located in California ( and of course the company holds the Title ) In New Jersey I can not get the. Car registration without the title But Id like to return back to the time of getting the car : - The dealer gave me temporary registration telling me you will get the registration by mail I wait for 3 week, never get it I contacted the dealer in person and by emails and phones but in vain Then I filed a complaint through XXXX, after that I received the registration And didnt notice that it is for one year only While the Lease is 3 years and in New Jersey it is allowed to get 3 year registration InXX/XX/XXXX the registration expired I didnt notice that till XX/XX/XXXX I stopped driving my car and Calle the dealer They told me it is not their responsibility and it is XXXX XXXX XXXX responsibility I contacted XXXX, and they told me that they will send me a power of attorney To apply by my self for renewal of car registration And up till now I wait,!!
I sent, via certified mail, a formal dispute of items contained in my credit report, accompanied by copies of my driver 's license and Social Security card, to EXPERIAN. The attached document is their response to me, which you will see is a refusal to investigate my dispute because they viewed it as a " suspicious request ''. It is my understanding that EXPERIAN 's tacit disregard of my request is in direct contradiction of FCRA, 15 U.S.C. 1681i ( a ). I greatly appreciate you investigating my complaint.
I am very concerned regarding the serious possibility that you have not followed thepermissible purpose provisions of the federal FCRA. A credit inquiry for SPRINGLEAFFINANCIAL was placed within my credit file in XXXX, 2014. The Act specifies thatyou must document your reasons for including such items on my report and, when inerror, remove them as well. I am depending upon XXXX to follow the law : Eitherprovide documentation that the law was followed by contacting SPRINGLEAFFINANCIAL at once, or remove this offending inquiry as soon as possible. 
Yours truly, XXXX XXXX
I used Paypal services to transfer money to my son, as I have done in XXXX other occasions. I was fully expecting to have the funds taken out of my bank account ( as Paypal has this information on file ). 
This transaction occurred on XX/XX/XXXX and I erroneously assumed that the transaction went through as before ; but, on XX/XX/XXXX, I received a call from a PayPal representative, stating that I owed them for the original amount processed plus a fine for non-payment. 
Upon further discussion, I learned that the money was not taken out of my account, but rather a PayPal Credit loan was used to proceed with the transaction, this totally unknown to me. I have asked the PayPal Credit representatives for an explanation as to how this happen, all I have learned is that I owe the money, how do I want to pay for it. 
It is very frustrating and most deceiving, I wanted to let someone know, so others are not snarled into this fraud.
CRA is in direct violation of FDCPA, FCRA, DODD FRANK ACT and METRO 2 COMPLIANCE ...
I previously disputed this exact collection and it was taken off. It was previously on my credit report before being removed as opened XX/XX/XXXX for {$600.00} and now it listed opened XX/XX/XXXX. It has now been re-added and under the opened dates have been changed to XX/XX/XXXX for {$600.00} with Diversified Consultants , Inc. as if it is a new delinquent account ... This account is listed on all of my three credit reports with the reporting bureaus. I have read guidelines that companies can not do this so I want it fixed as my score just plummeted almost 30 points for no reason. They were not able to prove that this even existed or is valid within the time period with you all and the reporting bereaus, so I do n't appreciate this company falsifying a new listing to do this. It 's unfair and how long will I have to keep going through this with the same company? I have not received anything in writing about this new supposed account either.
This is a attempt  for two years  to obtain an accounting showing payments made and the current amount due and owing. I filed a complaint number  XXXX  back in  XXXX   XXXX  ; however, you appear to have dropped the ball. Nothing came of this complaint and I did not receive an accounting for  XXXX . Now I am attempting to obtain an accounting for  XXXX  from  Midland Credit Management Inc. I have made repeated requests for this accounting with no response from Midland. I do not u nderstand why this is so difficult to do. Further cfpb appears to have done nothing regarding my prior Complaint What gives?   Again why is this so difficult if  Midland  can not do this they should go out of business.
Cardinal Financial offered a better rate on my mortgage so I followed the normal refinance process of full disclosure of my assets, income, and obligations. There was no doubt that I had at least 60 % equity in my home based on selling prices of like models in our subdivision. I said to Cardinal Financial if I did not qualify for any reason I would not pay for an appraisal. Cardinal Financial said I qualified so I paid the {$470.00} for the appraisal. The appraisal came 10 % lower than comparables, but still showed 50 % equity. I have a pension, social security, and had a part time job. Next thing Cardinal called me and said the part time job needed to be in existence for 2 years and suddenly I did not qualify. Since my wife at this time received an inheritance that could bridge this income shortfall through an annuity I offered this as a substitute for the part time job. The individual I was working with suddenly would not return my calls as well as any of my contacts at Cardinal. I registered a complaint to the North Carolina XXXX ( case id : XXXX ) to get my {$470.00} back and even though they responded that I did n't qualify because of the XXXX job, they never answered my other questions such as why I qualified before the appraisal but not after they got my {$470.00}.
This company is reporting inaccurate derogatory information on my personal credit file. When I called to inquire and request validation of the debt, XXXX was incredibly rude with me. She gave me incorrect information as to how to resolve the issue and refused to send me the debt validation. The call was ended with her hanging up in my face!
I received a collection letter on XX/XX/XXXX for property damage and unpaid rent. {$3.00}, XXXX is the amount owed. I do not owe this debt and I also had no knowledge of this debt.The rental company kept my deposit on XX/XX/XXXX so I was under the impression that they would repair the property with the kept deposit. I spoke to the collection office on XX/XX/XXXX and it was then that I learned of the debt which I believe is not valid.
As of XXXX XXXX, XXXX, ive sent three letters each to the credit bureaus ( XXXX, XXXX and TransUnion ) trying to resolve multiple negative student loan accounts on my report. The Credit Bureau 's ( XXXX, XXXX and TransUnion ) are neglecting to verify the accounts properly to determine which ones are duplicates or original.. All of the loans in question have been consolidated since XXXX and is in good standing ; but the negative accounts that are being reported are hurting my credit score.
My husband and I applied for a mortgage refi loan through Loan Depot and subsequently was approved. We decided to move forward with the process being told it would take XXXX - XXXX days. A XXXX XXXX XXXX was executed by both parties on XX/XX/2016 and subsequent appraisal on XX/XX/2016. It was disclosed that our rate would be in effect for XXXX days. We were contacted on XX/XX/2016 by a Loan Depot representative ( XXXX ) stating that if the loan did not close within the 45 days, our original rate offer would be extended. On XX/XX/2016 we received another communication ( email ) from XXXX stating that our lock rate had expired and we would have to obtain a new rate. I called Loan Depot to inquire about the issue today ( XX/XX/2016 ) and was told that delay in closing was due to delays in processing by Loan Depot, but Loan Depot was not in a position to honor our original rate as they could incur significant losses. 

It is my opinion that my husband and I are a victim of predatory lending practices and were purposely deceived by Loan Depot by their obvious delay the processing and closing of our loan. This delay was a deceptive ploy on the part of Loan Depot that resulted in the Rate Lock Agreement to expire thereby forcing us to renegotiate the terms of the loan which are no longer advantageous to consumers because of the recent increase in Mortgage Interest Rates. This is a direct violation of the Dodd-Frank Act. Loan Depot has the responsibility as a licensed mortgage lender to be truthful in their lending practices and not take advantage of consumers. Our desired outcome is for Loan Depot to honor the original rate agreement which will allow us to proceed with the mortgage loan application. I am also concerned that because of this complaint filing Loan Depot will manufacture a reason to reverse their decision to approve our loan application and decline us because we refuse to renegotiate new terms or cancel our application. It is our intent to also notify the media and XXXX Attorney General of XXXX regarding this matter.
I have only been with Select Portfolio Servicing for a year, my account transferred to them by XXXX. 
My home burned XXXX-XXXX-17 & I have been trying since that date to get short pay offers approved. 
XXXX did an appraisal after the fire which came in at {$38000.00} BPO. Two different XXXX  representatives promised me that an offer of {$36000.00} on my part would be accepted. I had the call on speaker & have witnesses that the 2 representatives made this statement to me about {$36000.00} ( 95 % of the BPO ) being accepted. 
It was not! 
This company has been sending me default letters since the fire. Prior to the fire & since, I have missed zero payments. XXXX until now I have sent {$4000.00} in payments to XXXX while being homeless due to their threatening mail. My mortgage payment is supposed to be locked in on a permanent modification at {$490.00}. 
I sent {$1000.00} that I did not owe in the past 45 days to stop the daily default notices & constant collection calls.
Equifax is requesting an additional 60 days to the Consumer Financial Protection ( US ) as of XXXX/XXXX/2016. Equifax mentioned this is what XXXX XXXX , XXXX is reporting however XXXX, XXXX can not provide me signed documentation or proof I owe this debt. It 's my belief Equifax is violating the " Deceptive Trade Practices Act ''. Equifax should report information correctly or remove it within 30 days as they advertise. Asking for a 60 day extension with the Consumer Financial Protection is unacceptable and deceptive in my belief of how they conduct investigations. After my original dispute it should not be reported unless the company had accurate documented backup.
I have been consistently receiving calls from this company on and off for 5 months. I have told them to cease & desist. This is a scam company that I never did business with & do not owe a balance. I have already received notification by the IRS that some tried to use my identity. This company harasses me, my family & associates as well as contact my job. They have made threats repeatedly
Good Afternoon, I first learned about the debit on my credit report as I was under the assumption this was my ex wifes debit. After learning that we are both responsible I contacted the company at Hunter Warfield to find a settlement. I asked for my account number & pin number and was told I didn't have one the first time called back 2nd time and had to speak to the gentleman several times in order to be provided it. Then after I told them how much we had to settle he proceeded with a counter offer and I asked him to please provide the settlement in writing so that I know that it is a legit and I would be protected before providing my card number. He refused to provide me the offer in writting and then said if I don't pay right now I will owe the whole amount. He has not stopped calling me even though I continue to tell them I want to pay I want to accept the settlement offer but, I need to have something in writing that by pay this settlement amount I will be paid in full. They still refuse.
My mortgage was with Green Tree who subsequently merged with Ditech. My payments are due XXXX of the month. In the past i have made the payments by the XXXX of the month and accepted the late payment charges. While with Green Tree this was seemingly never a problem, it is apparently a huge problem with Ditech. Inspite of me making arrangements and notifying them when my payment will be made I get no less than XXXX calls per day between my home and cell phone. The last call I received stated that my representative XXXX, who was ( is nasty on the phone ) would need to make a decision as to what she was going to do with my account come Wednesday XXXX XXXX. Really???? My account is not even 30 days late and I do not take kindly to underlying treats being made to me!! This is harassment and needs to stop, I had already advised them when the payments would be made, why are they continuing to even contact me let alone threatening me?
On XX/XX/2018 I purchased ( XXXX XXXX ) from a website called XXXX and after not receiving my tracking number for the order after a day and half I called my bank to file a complaint concerning this issue. I order from online pretty frequently and Ive never waited over 24 hrs to receive a tracking number so it raised suspicion to me and so after going back to the website and calling the customer service number and me being forwarded to the voicemail 5 times I called my bank immediately to have the stop the payment. They told me NO wait until a week before I file a complaint or dispute but I keep urging and telling them this didnt seem right because again I order online all the time and Ive never had this issue with a seller before. I told them I wanted my money back because I tried to tell them that the website was fraud they kept telling me to wait and after three weeks they finally listened to me and started an investigation at this time Im disappointed and upset because thats {$99.00} Im out of and that couldve been stopped if they wouldve listened to me before. I want them to release my {$99.00} to my account. Ive tried calling several times to get it back they dont seem anxious enough about getting my money and is telling me that it could take 120 days Im not waiting that long then they told me I may not get my money at all but thats not fair because I called them in time enough to have it stopped they wouldnt listen. I told the Supervisor to check in XXXX when I called because they supposed to keep records and notes and recordings of every single call and that wasnt done. Im very upset
Back in XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.
XXXX XXXX of United Collections Bureau called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX
XXXX XXXX XXXX XXXX put a collection on my credit. I sent a request to them asking to verify the account. This has been going on for four months. I have sent several requests. They never sent anything yet they continue to put this on my credit. XXXX XXXX is not licensed or bonded to collect in my state. They are in violation of the Texas Finance Code Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
They are also in violation of the FDCPA
I had a promotion with Sears master card that would expired in XX/XX/XXXX. 
My balance was {$500.00}. 2 months before the promotion expired, I made a full balance payment in XX/XX/XXXX. In the same month I started another promotion thinking my balance was paid off. 

Sears instead taking my payment and applying towards my balance, took my my full balance payment and apply towards the promotion i just started, therefore it seemed like a still had a balance from my previous promotion. 

In NXX/XX/XXXX sears applied {$610.00} in interest charges and refuses to solve this problem. 
Sears was deceiving towards the end of my promotion and it is trying to make money praying on misinformed customers.
My girl friend and I purchased a used XXXX XXXX and financed it with Ally finance. They have report us more than 30 days past due 3 separate times incorrectly. I found this on my credit report while trying to obtain a home loan. My loan officer and myself along with an employee from XXXX XXXX  called Ally to question the late payments. My due date on the loan is the XX/XX/XXXX of every month. In XX/XX/XXXX they reported me 30 days late when the check was presented to my bank on the XX/XX/XXXX and was cashed. In XX/XX/XXXX, they again reported me 30 days late. This check was written on the XX/XX/XXXX and presented to my bank on the XX/XX/XXXX and posted on the XX/XX/XXXX. The 3rd offense was XX/XX/XXXX I had missed the payment for XX/XX/XXXX and made a double payment in XX/XX/XXXX after I had received a nasty gram from ally reminding me that they did not receive XX/XX/XXXX 's payment. I am asking that these two 30 days late marks on my credit report be removed as I believe it is illegal to report incorrect information. This is adversely affecting my credit report and lowering my FICO score. I am also asking that as a courtesy, ally also remove the 30 day late payment in XX/XX/XXXX, as they appear to have issues with there book keeping. They claim I bounced a check to them, however, I find no bounced checked fee listed in my account during that time frame.
I have been trying to get this debt properly verified. I have requested for original contract. They refuse to provide this information. Every month they report the account as late to the XXXX Agency and it decreases my score. I have been trying to deal with this for a year. I dispute this account and XXXX says it has been verified, but there is no proof. Diversified Consultants have been reporting since 2017.
I filed a complaint # XXXX on XXXX/XXXX/15 about my deed in lieu with the Bank of America. I received a letter dated XXXX XXXX, 2015 from the Bank of America stating that an approval was granted for the {$2000.00} which was mailed out. On, XXXX XXXX, 2015 I received an email from XXXX XXXX that they needed a XXXX completed. I completed it on XXXX XXXX, 2015 and emailed it back. On, XXXX XXXX, 2015, I received an email XXXX that Bank of America is unable to assist with my request of the whereabouts of the {$2000.00} check.
I applied for a Capital One Platinum card XX/XX/XXXX and was approved for {$500.00}. The card is advertised as one for consumers with bad to good credit that need a card to bolster their credit history and score, and that 's what I did. Since XX/XX/XXXX, I have consistently requested credit limit increases, and have been denied. I have received XXXX increases in XXXX years, XXXX for {$250.00} and XXXX for {$1000.00}, the last being XX/XX/XXXX. Since then, when I request an increase, I am given various reasons for the denial and I have attached the documents. The last time I called and talked with an Account Manager, I was told that I need to use the card and then I would get an increase! I think this is totally unfair and unlawful.