WillisBack/dataset-financial-user-claim huggingface dataset:
I had a XXXX XXXX account that went into collections with Radius Global Solutions. I entered into a settlement agreement with Radius Global Solutions and made 1st payment fine with no problem received a confirmation letter in mail for payment. Radius sent me 2 letters, 1 in the month of XXXX and one in XXXX reminding me that my final settlement payment of {$180.00} was due on by XX/XX/2018. I paid the amount required on the letter on XX/XX/2018 with a rep from their company. On XX/XX/2018 at XXXX I get a call from a XXXX, I believe this is what he said his name was, stating I was short {$63.00}. I advised him female that took my payment said she saw the letter that was mailed to me and agreed amount on letter was correct that I should get a settlement letter within 10 business days. He wanted to argue. I told him he must honor what was place in writing on their letter head, he refused. He then placed me on line with a guy name XXXX XXXX said he was not a supervisor but the person that handles complaints that no manager was there and he refused to argue and told me I need to pay the additional amount. I told him I wasn't paying anymore this is not what was on their letter, he proceed to tell me that the settlement will be voided and they would go after me. I requested a manager, he said no manager he is the manager. I advised he previously told me there was a manager now there is no manager. I explain to have manager contact me today XX/XX/2018 and hung up on him. This company is not willing to accept what they placed in writing and agreed upon when they took my money for payment. I want XXXX ( XXXX ) made aware of this and this company.
Loan was paid of f in 2011 and Lender has not removed information from credit report after 5 years XXXX XXXX XXXX said they do not contact Cashnet about loan pain in full
A family member 's phone number was called by a man named XXXX XXXX who said he worked for XXXX XXXX XXXX and at first said they needed to speak with me or to my attorney in a message on their answering machine. When I was played the message, I contacted them after doing a web search of the phone number to discover they 've been harassing other people into paying old debt that has gone past the statute of limitations, supposedly scamming them, and even gone to the length of harassing people just because they have similar names with people who incurred debt. I even listened to some of what they had to say and did not recognize names of any companies or addresses but the year they named being 2006 of when the debt began. That would make it well over 10 years for whoever incurred it and that goes beyond the fair debt collection practices of 7 years which would make it time barred. I feel sorry for the people they 're still seeking to do that to, there are laws in place meant to protect the consumers after so many years have went by and this creditor is violating those laws.
I HAVE MULTIPLE INQUIRES ON MY CREDIT REPORTS. I HAVE SENT MULTIPLE LETTERS DEMANDING EVIDENCE THAT I HAVE AUTHORIZED SUCH INQUIRIES AS THEY ARE DAMAGING TO MY FINANCIAL REPUTATION. MY SOCIAL SECURITY NUMBER IS POSTED ONLINE FROM A COMPUTER HACK OF THE MISSOURI XXXX WEBSITE XX/XX/2011.
Were being lied to by XXXX XXXX. tell us our payment will be adjusted back down to original amount if we paid an additional XXXX by one XXXX and it remained at the increased amount
My personal financial information was stolen from the servers of Greentree Servicing. We received a letter in XXXX regarding the theft from Greentree and an offer for free credit montering from XXXX with their ProtectMyID program. The program requires an activation code that is on the Greentree letter. Unfortunately we misplaced the letter. XXXX requires the code and Greentree is the only one who has the code. I have spoken to Greentree XXXX or XXXX times and each time a customer service agent or suppervisor tells me they will mail a new letter or call me back with the code. All lies. No new letter or phone call. Greentree is now XXXX. I would appreciate some help in getting a new letter or code.
XXXX XXXX says they bought my medical bill from XXXX XXXX XXXX in XX/XX/XXXX and I have had state issued insurance that pays for everything. I never had any type of balance, I have not been uninsured ... I have literally been covered since XX/XX/XXXX. They keep reporting on my credit and this information is false! They constantly call, they talk to me like I'm XXXX, disrespectful, they don't even know what the bill was for, who the patient was, etc
XXXX failed to correct an account from XXXX XXXX XXXX in the " Pay Status '' as Current ; Paid or Paying as Agreed. The account is showing 60 days Past Due. I want XXXX and XXXX XXXX XXXX to correct this error and update my credit report.
On XX/XX/18 I applied for a Military Discount for XXXX XXXX families at a XXXX dealer in XXXX, DE. I presented an official copy of my father 's Certificate of Death, a copy of his entire military record, and signed an application for the XXXX Military Reward Program. 
The dealer 's financial representative told me that he would not submit the application because XXXX XXXX XXXX  would not approve it. 
I talked with 4 different XXXX dealerships, and all 4 told me that I could not get a Military Discount as a XXXX XXXX family member. 
I talked with several folks at XXXX XXXX XXXX about this problem, and most of them did not know what a XXXX XXXX family is. 
I wrote to the Chief Executive Officer at XXXX and was given what can only be kindly described as the run around. His office told me to call the dealership, then to call XXXX XXXX XXXX, then to call the XXXX XXXX XXXX XXXX XXXX coordinator.
Valley Credit services, has reported, on my XXXX credit report, a collection account for an alleged debt. I contacted the agency today at XXXX, I spoke with XXXX , whom failed to disclose communication was attempt to collect a debt ever during the phone call. I obtained a recording of the call as proof of the violation to my consumer rights. The agent also informed me the account has been sold to another collection agency, since I live in that state of Texas. Under Section 392.101 of the Texas Finance Code laws a third-party debt collector or credit bureau is prohibited 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. According to the Texas Secretary of State, Valley Credit Service does not have a bond filed in the state of Texas therefore are not bonded to collect in the state of Texas. The account is reporting as open on my credit file, as well as showing an updated date for the balance they are currently trying to collect on. So this account is now being collected by XXXX separate collection agencies, and XXXX showing as open, and current on my credit report, which again is a violation to my consumer rights. I sent Valley Credit a certified letter with a tracking number, requesting validation of the alleged debt, which they received XX/XX/XXXX. I never received validation, or a response of any kind from the agency. I then disputed the account with the XXXX Credit bureau, on XX/XX/XXXX, the account came back as verified and accurate, on XX/XX/XXXX. Again, Verifying not only false information to my credit file but the account in general, with the Credit bureau, before sending me, the consumer validation of the account is violating my rights. Valley Credit not only failed to conduct a reasonable investigation, but clearly has a blatant disregard for my legal rights.
On the morning of XXXX I was searching online for a pair of gloves for my XXXX year old daughter, to complete an over looked x-mas gift. I came across a pair on XXXX for {$19.00} and purchased them, Order #, I do recall entering my information for shipping, but I never applied for any credit for a {$20.00} item from XXXX that I would rarely ever buy an item from! A little while later I received an Alert from XXXX XXXX and Trans Union, checking both to verify there is a hard inquiry from XXXX on my credit report for credit that I never authorized.. Later that evening on the XXXX, After reading literature on XXXX XXXX about online dispute, I went to Trans Union to do an online dispute # XXXX on XXXX I then contacted Trans Union by phone as I was unsure of my online dispute process was complete, I was then told I could not file this dispute with them or online, and that I would have to contact XXXX to get an Inquiry Delete letter from them, which I ca n't understand why offer a dispute process online when your not going to dispute it, I also have them the dispute number and was told that meant nothing, was only told that was mainly dealing with the other simple correction that I had noticed on my account, like phone numbers and address, So I contacted XXXX, was told I do not have a credit card with them, so do n't worry about it, but they are still failing to realize, that I have a hard inquiry that I never authorized, so after raising a little more ruckus, I was switched to another person named XXXX # XXXX , she said that she would provide this this letter that I requested, Inquiry Delete letter to the credit bureaus, and I copy to myself in 7 to 10 days..
i applied for a loan modification with XXXX XXXX under the making home affordable program, in fact my loan was in process for that program until the servicing was change to CALIBER HOME LOANS once they took over every thing change instead of loan modification staying within the Hamp program they took upon themselves to put it into a forbearance agreement and offer me a higher interest rate and payment that is {$1300.00} a month higher then my orginally loan payment, so i rejected it and appeal it because it is not making my loan more affordable this loan modification is designed for me to fail, it is not helping me it`s hurting me i want to keep my home not lose it, XXXX never had a problem with my request for the Hamp program so why is caliber trying to put me in a bad deal, and as of today I got a notice of sale on my home while i am still trying to modify my loan, i have a job and income to pay a mortgage payment again under the HAMP PROGRAM GUIDELINES not a payment that almost doubles what i had before
I got approved by this company for a loan to purchase some furniture, everything was ok at first until they decided to change my contract to their benefit without notifying me about the change, when I call them they were extremely rude about the situation, I decided to pay off my loan and asked to close this account, I did not want to have any type of business with these people due to the fact that they have poor customer service, almost a year late I get a call from them asking for a late payment, so I call back and ask what this was about and according to them I owed a maintenance fee, when not once in almost a year later did this people made an effort to contact me about any maintenance, so I'm not about to pay any fee for a service that was never render. 
They stated that it would be removed, even though they did not have it on file, ok, so I asked for an email confirming the change, which they refuse to do, they also refuse to let me speak to the manager to solve the issue.

I want people to know that this is not a very friendly company, they will try to get your money with the so call " maintenance fee '' be really careful, revise your agreement make sure they don't change without you knowing it or prior notice. and the fact that they don't want to send emails confirmations or let you speak to a manager to resolve an issue, to me shows they have something to hide.Send people
I went online to get my free yearly credit report which I have not done for several years. 
I was able to get my report from only one company out of the 3 which I was told the reason was ( A  condition exists that prevents XXXX from being able to accept your request at this time. ) I see a lot of complaints online from people saying the same thing. 
Only XXXX was able to give me their report. Neither Equifax or XXXX would help.I am just trying to see who has a cell phone in my name which I just learned from XXXX on XX/XX/XXXX/19 while buying a new cell phone online. Today is XX/XX/XXXX2019.
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
this company LVNV Funding bought a debt from XXXX on an account that i never opened.
i took out a loan of XXXX $ from green trust cash. i paid XXXX XXXX after looking at the contract more closely i realized that if i made the minimum payment i would pay more than XXXX $ in total. that is absolutely rediculous. This must be illegal?
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX-XXXXTrans UnionXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XXXX is now XXXX/XXXX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in 30 days time period .all letters attached. please remove following inquiresCreditor Inquires DatesXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
On XX/XX/2017, the State of Florida was declared a disaster zone, FEMA-4337-DR ( please see attachment ). After Hurricane Irma hit Florida, I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and asked for aid concerning the car payments. I was informed that aid was available but that the guidelines were not yet clear from corporate. I was instructed not to make payments and that the they will waive the fees and that my credit will not be affected. In XX/XX/XXXX I informed them that I would make one months payment and during the months of XX/XX/XXXX and XX/XX/XXXX I would pay all that was due. They agreed and this is exactly what I did, ( please see attached credit report ). During the month of XX/XX/XXXX while reviewing my credit report ( please see attachment ), I noticed that they reported late payments so I called customer service. After a long back and forth, they stated that they will not remove the negative information. I explained that I have never been late as the record proves and that the reason for all this was because of a natural disaster that 's out of my control. Even this reasoning would not help and they stated that they will not remove any negative information. My biggest problem is that this company supposedly extend aid during a drastic time but then hurts you by damaging your credit score.  This ill action by World Omni has even affected my employment since its credit score sensitive.
Hello, I am disputing this bill because it was never submitted to my XXXX Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over XXXX years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine.
I noticed recently that the principal payments are not getting properly distributed to my mortgage balance. I closed on my condo on XX/XX/XXXX. XXXX XXXX had this mortgage before they sold it to Ocwen Financial in XX/XX/XXXX. On XX/XX/XXXX I noticed the mortgage balance is incorrect and called them. I was on the phone over 2 hours and spoke with a manager specialist regarding this case. The current balance on my mortgage that Ocwen has is {$150000.00}. The original balance Ocwen has is {$190000.00}. I asked for a amortization report for the history of the loan and they said they can't provide this b/c they don't provide on fixed loans. They don't have any of XXXX XXXX records either when loan was transferred. The original loan amount actual real numbers are {$170000.00}, which I have proof of all these numbers and original docs. I refinanced pulling $ XXXX out, which changed the balance to {$180000.00}. The balance was never {$190000.00}. The records online only go back 3 years. I saw that {$430.00} per month is going to principal. When Ocwen acquired the loan, they said the balance was {$190000.00}, which is impossible considering I paid my mortgage for 6 years and no principal was applied. They will not supply records. My mortgage balance should be {$120000.00}. Ocwen will not show me the amortization, or any documents that were transferred to them when they acquired the loan. This is in clear violation and the correct balance needs to be updated. It's not possible to pay a mortgage for 6 years and have no amount that goes to principal. This has always been a 30 year fixed mortgage. Ocwen is under investigation, and has been for some time for providing fake financial records, among many other things. This is a very stressful matter, and hope to get solved soon. 
Thanks
I ordered a XXXX Tablet for {$53.00} at XXXX on XXXX XXXX and ended up cancelling it the same day. XXXX confirmed that they sent the money back and that I would have to contact my bank about the matter. I did and they continued to tell me to contact XXXX and that there was nothing that they could do. So I did and XXXX referred me back to Bank of America because they are the only ones that can release the hold. I contacted the bank yesterday and they told me it could take up to 3 days for the money to show up on my accont. I told the teller it was the XXXX day and she said it should be released by the end of the day. I then called Bank of America today when I saw it was not released and I was told that they could not find the purchase of file a claim because the {$53.00} sent to XXXX was not able to take the money out of the account due to problems with my card and then the story changed to it was automatically refunded and to check my transactions on line by the claims department supervisor named XXXX XXXX. XXXX was very rude and talked over me. She also told XXXX a lie instead of trying to find out about my daughters child support money.
I took a private student loan on  XXXX   XXXX ,  XXXX . I was supposed to start paying the loan in  XXXX   XXXX . My mother was the co-signer on this loan and she included this loan in her bankruptcy in  XXXX   XXXX . In  XXXX   XXXX  my mother dismissed her bankruptcy and contacted  XXXX , the owner of the loan at the time, to ask them to re-affirm the loan so we could start making payments. We were told the loan had been charged off and there was no way to make payments on the loan. I never made any payment on this loan and it went delinquent in  XXXX   XXXX . Recently I was contacted ( 7 years lat er ) b y  XXXX  different collection companies trying to collect on this loan. I informed all three companies that the statutes of limitation in California is 4 years and I have no legal obligation to pay this debt. I have asked all  XXXX  companies to stop calling me, however I continue to receive collection notices and phone call to my cell phone, home phone, and my mother 's cell phone. The  XXXX  companies are :  1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  Phone number  XXXX . They are demanding payment of {$20000.00}  2 )   XXXX   XXXX   XXXX   ,   XXXX   XXXX .  XXXX   XXXX   XXXX , NY  XXXX  Phone number  XXXX . They are demanding {$16000.00}  3 ) U nknown company, received letter by mail with no Company address, Phone number  XXXX  Processing number  XXXX . They are demanding payment of {$19.00}.   I have copies of all three letters/notices.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I will be entitled to under Section 616 and Section 617 if the UNVERIFIED debt with XXXX XXXX XXXX with a balance of XXXX with file # XXXX if this account is not deleted from your file. 

I`m making this complaint through the Federal Trade Commission so it can be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

To my knowledge, I never done business with your XXXX XXXX XXXX and I have no legal binding contract with this company. Per FCRA, I`m demanding this XXXX XXXX XXXX provide me an original documentation ( a consumer contract with my signature on it, showing I have an agreement with XXXX XXXX XXXX as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Do not send me bank statements, or payment history in replacement of not sending me the original consumer contract with my signature on it. 

Now that you have violated the FCRA, because I have no contract with XXXX XXXX XXXX. I will be entitled to XXXX per occurrence of each violation. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I`m entitled to under Section 623 ( a ) ( 1 ) ( A ) if XXXX XXXX XXXX with a balance of XXXX is not deleted immediately from your file. 

This unverified item will be in violation of Federal Law once you report it to my credit report. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct.
I can not get a paperless copy by pdf of my monthly statements easily. This is my second complaint. I just want it fixed. 
I travel XXXX XXXX XXXX so I hope to keep a business card with them, but CitiBank is inept.
I would like to know how the bankruptcy that is on my credit report was verified and by which company?