WillisBack/dataset-financial-user-claim huggingface dataset:
I received calls after calls in the last 30days : and today I received two Threatening letters from " radius '' Radius Global Solution LLC Formerly XXXX XXXX XXXX on an account that has been Resolved Through total deniability and 10 years of continued Disputes with all three Credit bureaus and 5 Collection companies and their attorneys and the alleged Creditor XXXX XXXX on an alleged account that was open back in XX/XX/XXXX/XX/XX/XXXX by my employer at the time and all bills paid by them and account was closed by them- I never open an account with XXXX XXXX myself. these fraudulent collection companies have been Breaking Fed-fair credit reporting laws on this Fraudulent account and attacking me financially through credit reporting and harassing phone calls and mailers- This account was sold to this Collection company Radius Global Solution LLC By XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX- as this have been order to not to contact me Every again : This is how fraudulent this account is the they say the Original Account # is XXXX and Radius Global Solution LLC Ref # XXXX I will be also be referring this to the FBI and the XXXX  XXXX from every state that I have recv-called from and Mail-
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. 
My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX , XXXX, OH XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2015 XXXX XXXX XXXX , XXXX, OH XXXX
I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$570.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and stole my rewards.
This business continues to contact my wife and I in reference to a supposed debt by her ex-husband. Neither my wife nor I are borrowers ( or responsible ) for this debt. They continue to contact me on my cell phone asking for my wife by her previous last name. When I do ask her to return their calls, they tell her they are calling her because she was listed as a " reference '' on her ex-husband 's delinquent payday loan. I have asked multiple times to not be contacted regarding her ex-husband 's debt. My wife has asked multiple times to not be contacted regarding her ex-husband 's debt. The first few calls they stated they would honor our requests and remove our cell phone numbers from their systems. Yet, within a few weeks we start getting calls again. Always to my cell phone number first. They called me again today ( XX/XX/XXXX ) and I explained that I am not the person they are looking for and to not call me again ( at which point the Rep told me this was the first time they had contacted me, that is a lie ). My wife called them back again today ( XX/XX/XXXX ) after I informed her I received another call and they told her they would not remove her cell phone number from their system until they were able to collect from her ex-husband. 
This debt is not ours, and they have confirmed this fact with her in previous calls, stating it was her ex-husband 's delinquency ( which I would think would also be a violation of Privacy Laws ). 
We can not make her ex-husband pay their client and we demand to stop receiveing calls regarding his debt. If they believe she is somehow responsible for this debt, then we request this in writing in accordance with the FTC guidelines under the FDCPA. So far, I have no indications that she is responsible for this debt, they have not told her she was responsible for this debt, and I certainly am not responsible for this debt. Please investigate this company as it appears they are operating in violation of federal regulations.
On XX/XX/XXXX, I wrote to Experian to dispute an inaccurate entry on my credit report in regards to XXXX capital XXXX credit card accounts. My credit report showed that I was late on my XXXX XXXX XXXX XXXX accounts on the following dates : Account # : XXXX ... .. ( XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/2016 XXXX Account # : XXXX .... ( XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX. I spoke with a XXXX XXXX representative in XXXX of XXXX. She verified that I was never late on both of my accounts and that it was a mistake. She also stated that XXXX XXXX will report both accounts as current and never late. I also received a letter from XXXX XXXX stating that XXXX XXXX finished their investigation and their research found that all payments are current and never late. They also stated that they will update my account with all three credit reporting agencies. However in reviewing all of my credits reports from all three credit reporting agencies, XXXX XXXX, and Experian, both my XXXX XXXX accounts still showed me as being late on the dates listed above.
XXXX XXXX XXXX AND XXXX, XXXX XXXX XXXX DEFRAUDED US BY MIS-APPLYING MORTGAGE RE-INSTATEMENT PER THE HAMP MODIFICATION RULES AND MONEYGRAM ALLOWED THIS TO HAPPEN. SEE ATTACHED. 

ALLPARTIES IS IN VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT AND STATE FRAUDULENT LAWS VIOLATED.
I requested my complete file pertaining to certain inquiries on my credit report in accordance with FCRA 609 and FCRA 611. This DEMAND of documents letter was sent to Experian by certified mail on XXXX XXXX, 2016 and I received acknowledgement of receipt on XXXX XXXX, 2016. After the 30 time permitted for compliance under FCRA 609 and FCRA 611, I did not receive completeness of records pertaining to the disputed items and they were not deleted after the 30 days permitted by law.
My mortgage was recently sold and now the new mortgage company is requiring me to obtain additional homeowner insurance or they would provide it a substantial price. I have had the same insurance coverage since the day I took out me mortgage in 2007. According the my mortgage contract I had to obtain insurance that was approved by my mortgage company. I complied with that obligation. The coverage was approved by my initial mortgage company. My understanding is that if a mortgage is assumed by another company all terms and condition are to be continued with no changes.
On XX/XX/XXXX I submitted a complaint here bc I had been working to have XXXX, XXXX and TransUnion correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. TransUnion and XXXX  have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/2017, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.
I submitted a complaint to CFPB case no. XXXX on XX/XX/XXXX about this same company : Republic Finance. A case was opened, the company responded, and I responded thru the CFPB website portal about XX/XX/XXXX. Since there were some peculiar events contained in the original complaint, I had not heard from the company for several months. The complaint was initially about how much money I owed, how much was reported to the credit bureau, and how much the company said I owed according to the original contract. There were discrepancies in all XXXX instances. To date, the company has not sent a complete itemization of the principal balance, interest accrued, interest paid and payments made to the loan. It is a personal loan taken out with personal property as collateral ( which they never saw ). I do still own the property. My concern is that after CFPB got involved, the company stopped all communications with me from approximately XX/XX/XXXX to XX/XX/XXXX. I have received no mail requesting payments for the debt until a few weeks ago. I believe according to the documents presented by Republic Finance they do not want to disclose the itemization of principal balance plus interest separately because they are lying about how much I owe. And they also have used intimidation to attempt to collect. I am writing again because I would like a third party to review this company 's collection practices. I am not in a position to hire an attorney. I just want them to itemize the principal balance, interest and fees in writing. Because the debt is well past due, they should have been contacting me several months ago. It is curious because if I was two days late they would be both calling and sending reminder letters out. the loan is about 2 years old now. Total amount borrowed was XXXX. total amount paid was {$2400.00}. None of the documents Republic Finance sent reflect these amount. The document I received has a return address of XXXX, LA. XXXX. XXXX. Branch # XXXX. Balance amount is now {$2300.00} with a payoff offer of {$2000.00}. Settlement offer of {$1500.00}. Still very confusing since none of the figures amount to what I have on record to owe. My last amount of the loan balance they reported was {$2200.00} as of XX/XX/XXXX. I believe I do not owe them anything because of poor business practice/misrepresenting how much I owed initially, and concurrently, intimidation and false credit reporting posted on my credit report.
AES  is reporting inaccurate information. Some include loans I never opened. I have tried disputing with the credit bureaus and no information is being provided to fully validate all the accounts. I even called on  XXXX / XXXX / XXXX  to see why all the inaccuracies were not being fixed and  XXXX  the representative stated they no longer own the account so she can not assist me.  XXXX  accounts definitely do not belong to me and they added them on illegally. One was " opened ''  XXXX / XXXX / XXXX  and closed  XXXX / XXXX / XXXX . The amount for this account that was charged off according to the company was {$33000.00}. They initially started reporting  XXXX  through  XXXX  which they went back to report on after a dispute. Than they did not report anything until  XXXX . This account was never mine and dragged out closing the account they illegally opened to begin with since it would have been closed in  XXXX . And the other account is showing an " open '' date of  XXXX / XXXX / XXXX  with a charge off amount of {$4300.00}. No reporting occured for this account until  XXXX . They added a false payment history once I reported the issue which than started in  XXXX , two years after they said the account was open. I never signed a loan for the  XXXX  above accounts and the company added them on for mere destruction of my credit reports. They also have an account with a charge off balance of {$33000.00} that they closed on  XXXX . This account has no solid reporting and therefore the closed date should have been in  XXXX . There is an account with loan amount of {$14000.00} and reported they received a payment in the amount of {$22000.00}. This account too had missing reporting which further shows there is no validation of a closed date. The last account reporting  is one  with an original amount of {$16000.00}. They stated they received a payment in the amount of {$26000.00}.
Never worked for " XXXX XXXX XXXX ''. Worked for XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Previous work history does not include this real estate company.
I originally wrote Equifax on XXXX XXXX, XXXX. They received the certified mail on XXXX XXXX, XXXX. They took until today, XXXX/XXXX/XXXX to respond. That is in excess of the 30 days allotted by the FCRA. Thus, I am requesting that all items listed on the attached letter be removed from my credit report. Nowhere in FCRA is a matter allowed investigation in excess of 30 days.
I agreed to a loan from this company, only to find out that they are not a legal lender in my state ( XXXX ). 

After repaying the principal amount, as well as a significant amount of interest, I advised this company that the borrowed principal was paid back and that I was revoking ACH authorization and requesting acknowledgement that the account was paid in full. 

As of this date, this request has not yet been satisfied.
Experian closed the account as lost or stolen this card was n't lost or stolen.This account was open without my knowledge.XXXX XXXX is a complete fraud and ive contacted them and they still not assisting me with resolving this issue
I called Wells Fargo Mortgage back on XXXX of 2015 to ask for a payment plan because I was two months behind, I wanted to make two payments for the following two months, but the customer service representative advised me that they have a modification plan that I can qualify for which is meant to help in this kind of situation and mean while I ca n't make payments until I am approved. I have been in and out of XXXX modifications in the past 11 months. And the payment due kept increasing and growing to now XXXX. I feel I have been cheated and mislead to lose my home intentionally. Every time I try to complain they state that the person handling my account left the company and assigned his work load to another. I intend to keep my home and I want to take my case to court have this investigated. I was able and willing to make the payments before they grow so high and they intentionally waited until it was beyond my means to pay to take my home from me. I have been paying this home for the past 17 years with no problems. Until now. I intend to seek legal help and to contact the local bank and mortgage regulatory entity in my state and file a formal complaint.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
My wife and I took out a loan over twenty years ago with the XXXX XXXX XXXX to help our son start his own business. Interest only was paid on this note for approximately 15 years during which time US Bank purchased XXXX XXXX and our note. Our son faced difficulty in the construction business plus XXXX of his young children developed XXXX health problems. I continued to pay this note and never missed a payment, even after a terrible down turn in the economy in 2008 which affected us greatly. I am a veteran XXXX years old and my wife is XXXX. It became impossible for us to make anymore payments living on our fixed income. The note was {$120000.00} - we paid {$1200.00} per month for 180 months ( totaling {$210000.00} ) plus {$50000.00} on the principal - so over the 20 years of making payments, we have paid back {$260000.00} on a {$120000.00} note. US Bank is trying to collect an additional {$75000.00} ; however, this is impossible for us. We have attempted to settle the debt for as much as {$7000.00} ; however, US Bank will not accept what little money we have left. I do not see how this is right considering the amount we have paid on this debt, in addition to our settlement offers in good faith to resolve the matter.
I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX XXXX XXXX XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.
I made a {$5000.00} payment to be applied to the principal of my loan on XX/XX/XXXX. SLS processed the check on XX/XX/XXXX. As of today, XX/XX/XXXX the funds have not been applied to the principal as requested and my most recent statement indicates some of the funds are held in a " Suspense Acct '' while the remainder have been incorrectly applied to a mortgage payment. I have made multiple calls to SLS but they have not resolved this issue.
Got the email about the XXXX data breach. Have been getting emails about my credit score decreasing from XXXX ( about 3 emails in the past 2-3 weeks ). One email said it was due to a new account being opened, which I did not do. 

Waited for some of the dust to settle after the data breach announcement, tried to check my report with transunion. After entering all the sensitive data, which does not make me feel good in the first place, got a message about the request not being able to be serviced due to an overload on the system. ( why could n't this information be conveyed before all the sensitive data is transmitted??? ). 

It has been less than a year since my last credit report at XXXX, and I hoped that XXXX had fixed the problem and decided to try to request the credit report from them. Got a similar message about the server being overloaded due to the high volume of requests. 

I should n't have to pay for a credit report because one of the top companies supposed to be charged with protecting the data gets hacked. Guess I 'll have to wait till most of the damage is done if I am a victim of identity theft.
We just received a request for payment of our mortgage from a new lender, so our loan must have been sold. However, we just sent XXXX payments ( the additional payments will go towards principal ) to Bank of America, not knowing they sold the loan. What is our best course of action? We do n't have the cash on hand to make a payment to the new servicer, how do we get the money from BoA to the new company? Is there a way to block loans from being sold? The new servicer is called XXXX, is that a reputable company?
For more than 1 year, I tried to close this US Bank Checking Account because they convinced me to open a 2nd account when I did not need it. When I tried to close the account because there were no branches where I lived, and besides their fees were due to the cost of the new account. When I travelled XXXX on business, 3 different times I went inside the branch inside the XXXX supermarket to close my account, every single time it was a different excuse # 1 the manager has to close the account # 2 I 'm new and I need to wait for the manager to help me close the account # 3 Similar situations not to mentioned the numerous phone calls. So I stop using my primary account because they kept taking money to cover the cost of the account that I never wanted. 
Now, not only did they finally close the account but US bank closed my primary account and with a negative balance plus reported me to the XXXX. I 'm furious! So why did they keep my savings account open???? This is totally ridiculous! I 'm reporting them so other consumers can be aware! and they MUST fix this wrong!!!
on my credit report it says that i opened 2 credit cards in XX/XX/XXXX and never paid them, also in XX/XX/XXXX that i recieved a home loan and a car loan that i also never paid on. At each time i was XXXX in the XXXX XXXX XXXX  XXXX, which is a matter of public record, obvious fraud. I've disputed these accounts with XXXX, trans union, and several times with XXXX  in order to have them removed completely from my credit report ; not just closed, because its obviously fraud. XXXX has just flat out refused to do this. im trying to put my life together and have been very successful so far. due to XXXX  's reporting these fraudulent charges, i have not been able to get approval for credit or a car loan. i dont know what else to do, they even at one tried to charge to have them removed from my record which i understand is racketeering by definition.
I Am Requesting An Itemized And Audit Report On My Account With XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX Because The Fund's That I Have Paid Is Not accounted For And My Account Balance Is Not Accurate
XXXX 2016 : I logged on to Navient to make a payment and found my account put into forbearance without my permission or notification. When I called customer service to sort out this issue I was told by a representative that they had received notification from a 3rd party that my father, the loans cosigner, had died. Needless to say this caused me distress and to spend the next few hours calling my family and tracking down my father to confirm that this was not true. When I called Navient back, I informed them that the information they received was false. I then inquired about the 3rd party that sent notice and I was told that that information was not available. I then asked them to correct the issue and put my account back to its previous state so that I could get caught up on payments. After 40 minutes waiting I was told that it would take 72 hours. I informed the agent that I would not make a payment until my account was corrected. It is now over 3 weeks later and the account is still in forbearance and showing inaccurate information and I refuse to deal with their incompetent customer service again. The account is probably accruing interest and I 'm sure late fees as well, but I ca n't get that information from their website. I am suspicious as well about this " 3rd party '' that told them my father passed. Since they will not tell me anything about them I have to assume that they, Navient, are behind this because they are the only ones gaining from my account being in forbearance ( accruing interest ). So I have turned to the only place that might be able to help me out.
I received a notice of wage execution for a debt that is 9 yrs old. We contact the original account holder in the beginning of this account to advice them that due to medical reasons I could not keep the account, and they failed to comply. Years later, they are till pursuing this account. 

Needless to say its 9yrs old and they are out of time as far as collecting, reporting and wage execution.