WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX, 2016, XXXX Mortgage Company sold my home mortgage to a company named Seterus , Inc . I was not send a " Goodbye Letter '' from XXXX notifying me of the sale, and to date, despite numerous requests to XXXX by phone, have never received XXXX. So then did not handle the sale in the manner they are required to do ; they never notified me. 

This complaint concerns a " mortgage company '' called Seterus , Inc . 

I learned my mortgage had been sold when I called XXXX to make my monthly payment and they told me they could not take payment ; the loan had been sold. They did not know who they had sold it to and told me all information would appear in the " Goodbye Letter '' that has never come, 4 full months later. 

I finally was able to learn through other sources that the loan had been sold to a company called Seterus, Inc and called them, spoke to them, asked for my loan number and made my payment. I was told to expect a " Welcome package '' which did not come until I 'd asked many, many times. It contained almost no information. 

Here 's the problem : Since my first payment to Seterus in XXXX, I have always paid on time. That would, to date, be XXXX, XXXX, XXXX, XXXX, XXXX ... 
All payments have been made on time. 
However, Seterus did not show up on my XXXX credit reporting bureaus ( XXXX ) until I wrote and complained. 

They have added the account now to XXXX, but it is incorrect. It only shows a payment in XXXX only. As far as I can tell, the other credit report bureaus are not reporting at all. 

I have written to Seterus several times asking that they follow the law and report accurately to all XXXX of the credit bureaus on a MONTHLY BASIS. I even sent XXXX of the letters certified mail, so I can prove it was sent and received. 

None of the letters have resulted in compliance and Seterus 's lack of reporting is HURTING my credit score a GREAT DEAL. They must report accurately and monthly. 

Please assist me in getting Seterus to comply and report my payments in a timely and accurate fashion, as is required by law. These payments must date back to when they bought the loan, which is XXXX of 2015. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
The financial institution that is financing a vehicle I have had put me on a do not contact list without my approval, which resulted in me not being contacted for four months while delinquencies were happening without my knowledge.
Borrower XXXX purchased her home at XXXX, LA in XX/XX/XXXX for {$39000.00}. To purchase the home, she took out a FHA Loan at 8 % interest. Her monthly principal and interest payments were {$280.00}. For the duration of the loan, she has paid taxes and insurance out of pocket. 

In XX/XX/XXXX, XXXX lost her job and was placed on a 3 year workout program by HUD. During this time, her monthly payments were reduced to {$79.00}. She continued paying principal and interest out of pocket during this time. She was verbally informed that the {$8000.00} in interest she accrued during this time frame would be forgiven upon the maturity date of her mortgage. 

After she began making payments towards her mortgage once again in XX/XX/XXXX, XXXX remained current on her loan until this date, aside from two months after Hurricane XXXX in XX/XX/XXXX, which she promptly repaid. 

As her loan was approaching its maturity date in XX/XX/XXXX, she was made aware that there was still an outstanding principal balance of {$15000.00}, plus an interest arrearage of {$8100.00}, and additional fees for a total payoff amount of {$23000.00}. 

It is unclear why there is such a large remaining principal balance when the borrower 's loan was fully amortizing, and it appears that the servicer has failed to forgive the interest arrearage as agreed to at the time of the workout option in XX/XX/XXXX-XX/XX/XXXX. 

The outstanding principal balance on the loan does not appear to be accurate.
northland group current creditor XXXX XXXX XXXX oringal creditor XXXX XXXX XXXX XXXX oringinal account # XXXX northland ref XXXX northland phone number XXXX ext XXXX i do not know what this is it has been on my credit report for a least 10 yrs or more i am XXXX and do not know what to do thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX
This company is reporting inaccurate late payments. Each credit bureaus has different months being reported which is inaccurate and needs to be removed as the FCRA law requires. 

Capital one XXXX is showing that XX/XX/2017 is OK but XXXX is reporting that is was late. However these late payments are an error. 

XXXX XXXX XXXX Is reporting 60 day late payments for 4 consecutive months in 2017 which is inaccurate. How is that possible? Please remove these inaccurate payments. 

XXXX Has yet to provide any signed documents that this account belongs to me. No itemized bill is acceptable, but an actual signature is required by law. 



XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX
In XXXX, we had XXXX XXXX that we canceled. We knew we would have to pay an early termination fee. We sent the equipment that was requested back to them. Our final bill, they charged us for the equipment that they did not receive back within 30 days. We sent it back and it was received. We told them that we were not going to pay for equipment that we did not and that they admitted they had. We are trying to buy a home and the amount of {$1300.00} showed up due to them selling the collection in XXXX XXXX.
XX/XX/XXXX I purchase my home original loan amount with Chase bank {$100000.00}, in XX/XX/XXXX I was forced to do a loan modification with Chase Bank at that time my loan amount was {$100000.00} I just today XXXX/XXXX/XXXX realized that at the time of the modification Chase put another {$11000.00} on to my principle balance bringing the loan amount up {$110000.00} and even after XXXX years of making payments I owe {$100000.00} on a home that I have been paying on for fourteen years. Not to mention that they gave me a 40 year period in which to pay this. The modification was done in XX/XX/XXXX it is now XX/XX/XXXX how is it possible after making monthly payments for four years my principle balance has only come down XXXX dollars? and how is it that in doing a loan modification they are able to add on {$11000.00} to my principle balance? How is it that I owe more on my home now then what I purchase it for fourteen years ago? I have never received a loan against the property, I have tried to be responsible and do the right thing how could this have happened. The banks are really getting over, rip off. The Loan Modification I thought was put in place to help people stay in there homes, Obama created this mess he needs to step up and do something about it. I WOULD ADVISE EVRYONE DO NOT DO A MODIFICATION WITH CHASE BANK!!!
Nordstrom claims on my credit report that I have an amount unpaid on the card, however I paid this amount and have the receipt of me doing so. Their claim on my credit report of this incorrect amount has resulted in a major drop in my credit score.
I am the Power of Atty for my mom, who lost her husband in XX/XX/2018. I have been assisting her with her financial affairs. We contacted Everbank ( now TIAA ) in XX/XX/XXXX to inquire about the process to add my mom as the Personal Representative on the mortgage, as it was solely in my step dad 's name. We provided the death certificate and Surviving Spouse Affidavit of Community Property Inheritance at that time. 
In XX/XX/XXXX, we started the process of refinancing that loan ( with another bank ), to pay off this Everbank/TIAA loan. Every communication that we had with TIAA was a nightmare as we were told the request was " in process '' and they couldn't speak to us as we were not " authorized ''. We made multiple attempts to get the Mortgage Verification letter so that the refinancing bank could verify that the TIAA loan was in good standing. Every call, including those escalated to supervisors, ended in frustration. 
The loan was paid off in XX/XX/XXXX and a check was issued for the remaining escrow funds but it was made payable to " The Estate of '' my deceased step father 's name and my mom could not negotiate the check. 
We called XX/XX/XXXX to ask them to re-issue the check and we told that we would need to provide the following items in order to do so : 1. A letter with the detailed request 2. A copy of the most recently recorded Deed of Trust 3. Surviving Spouse  Affidavit of Community Property Inheritance 4. Death Certificate 5. W-9 Form to validate my mom 's SSN We provided ALL of those items on XX/XX/18. I also provided the copy of the Power of Atty to validate that I am authorized to take care of all financial matters. 
I made a call on XX/XX/18 to ensure that all of the documents had been received and to inquire on how long it would take to process. I was told the documents had been received and to expect 30 days to receive the new check. 
I made a call to TIAA on XX/XX/18 to check in on the process and again, was told that the documents have been received, but they are " in review '' and that " these issues are complicated and take time to resolve '' and that I could call back in 2 weeks to check on the status. They would not provide me any additional information or give me any timeline on when we could expect to see the escrow refund. 

This is a pretty simple request and they have been in receipt of every legal document to support our inquiries, requests for information and re-issuance of the escrow refund. We have faxed and re-faxed the SAME documents multiple times since XX/XX/XXXX. We have followed ALL of their instructions and they have been very difficult to work with and are not responsive. 
We DID receive a confirmation that the loan was paid in full and they included the Re-conveyance Notice that was filed with the county. But they have not yet re-issued the check for the escrow balance. I feel that this has been an excessive amount of time and effort to complete and would like this to be addressed and resolved ASAP.
Due to the fact that my situation does n't have a check box above to best describe my problem. I will have to explain it this way to you if you do n't mind. I have XXXX account on my TransUnion credit report that are outdated. They are seven years old and someone re-aged the debt as well That is against the Fair Credit Reporting Act you ca n't re-aged old debts. The accounts goes as followed : XXXX Account # XXXX this account was open XXXX This account was open in XXXX and re-open in the XXXX XXXX Account # XXXX This account was open in XXXX and re-open in XXXX XXXX Account # XXXX This account was open in XXXX and re-open in XXXX If you look at the credit report open dates you see two dates one at the top and another one right under it.
On Saturday XX/XX/XXXX I did a online money transfer through Wells Fargo app with XXXX of {$560.00} I put in one wrong dight so the money was transferred to a person I dont even know and didnt notice after Tuesday XX/XX/XXXX I called Wells Fargo and let them know about my mistake they told me to give them 10 business days so they would solve the problem through the period of time I kept on checking the status of the claim and they told me if by the 10th business day the money was not refunded they would credit it back until they solved the problem I waited and nothing happened so I called them again and they told me they were no longer able to help me because it was my mistake then I spoke to a head supervisor '' and he told me they couldnt help me that they had spoken to the person the money was transferred to and the person declined to sent it back so I had to get a hold of the person I explained to him that i had already tried to get a hold of the person but they wouldnt answer or respond so he said that then I had to deal with the person, right after hanging up with him I went to my local bank and explained the situation the banker called the claim department to see what they had done and they told him once the money is sent nothing could be done and that they could not contact the person the money was sent to so this means the supervisor lied to me when he said they had contacted the person and that they had declined to refund the money so the banker again told me they couldnt do anything either. So this means I just lost {$560.00} to a person I have no idea who it is and the bank was no help!!
My loan was recently transferred to Navient. I have received multiple emails, calls and letters about renewing my income-based repayment plan in recent months. Each time I call, I am given different, contradictory information and told I have to call back at a later date. Half of the time, the call is dropped, and I have to call back and start the process over again. Eventually, after at least six calls over two months, I was told I had to make an extra payment to exit income-based repayment. At fist, I was told that one-time payment would be credited toward my next month 's payment. But after I agreed to the one-time payment, I was told my next payment would still be deducted. Given this frustrating experience, I have no faith that anything I am being told is correct.
I opened a new checking account with BB & T in XXXX, I closed the account in XXXX of XXXX. During the year in which I had the account, I had direct deposit transactions, debit card transactions and upon closure, I received over {$2000.00} from the balance remaining in the account. In XXXX, I had a XXXX direct deposit transactions made by mistake to the closed account. XXXX of the XXXX deposits were returned to the sender, the other, the bank kept to pay off of debt owed from an unrelated account originating in XXXX, which was in a charge off status in XXXX. I have several issues with this transaction - First of all, the bank did not notify me of the fact that they took the deposit to pay off an old balance. I only obtained this information from them verbally after inquiring about the return of the ACH deposit to the sender. I have made numerous calls to the Executive offices of the bank, no one has called me back to talk to me about my situation. They sent me the attached letter detailing the charged off account. This letter does not describe their rights in collecting the funds from the ACH deposit made on the unrelated closed account nor have they have not sent me any transaction records of their taking of the ACH deposit to pay off the said debt. Anytime a bank makes a transaction on your account, they are to notify you, and I have not yet received anything and it is XXXX XXXX, XXXX, for a transaction that occurred on XXXX XXXX, XXXX Secondly - This letter does not indicate that the charged off account is formally closed or settled. Finally, these ACH transactions were made by my college, and were stipends from a XXXX XXXX and XXXX XXXX XXXX loan. It is my understanding that in the state of VA, you are not allowed to " garnish '' those such transactions, and that 's what this actually is.
Equifax refuses me an investigation regarding XXXX invalid liens that have since been cleared from my name at the county and federal courts, and they still appear in the public records section of my file with Equifax. XXXX and XXXX deleted these XXXX liens after and investigation ... they are labeled # XXXX and # XXXX. These liens are no longer on file under my name and I have spent countless certified letters trying to correspond with Equifax and have them remove it and provide me the descriptions and procedures of how and what steps they took but they refuse to provide me with anything. They have since begun to ignore me and simply send me a telephone number to contact the courts but that line has NO dial tone and the address is incorrect. These liens were joint with another individual who has since resolved them and they are now invalid an no longer on record with the county and state clerks. XXXX asked Equifax how they possibly verified them and they refused to answer me and simply sent me bogus and threatening letters that kept saying it was verified and nothing else could be done and that it was not their responsibility to provide me with any descriptions and procedures regarding their reinvestigation. But, I know that FCRA and California laws state that I am entitled to it. If they conducted a proper investigation they would see that these liens are no longer under my name. They claim to have verified it via my social security number but that is impossible since the county and federal dockets do not even release consumer social security numbers, so they are also LYING to me. Please, can the government help enforce some discipline on Equifax. XXXX and XXXX have deleted these XXXX liens after their investigation, so what is Equifax doing illegal?
XXXX  has been reporting the wrong  1st date o f delinquency since the loan has been on my credit reports. I have proof of this as well and have sent numerous letters to all three credit bureaus with no change in it being fixed over the last year. Only  XXXX  credit bureau removed  XXXX  of the  XXXX  accounts as it should have been but failed to remove the other. I have sent bills from  XXXX  to prove that the first date of delinquency is incorrect and that the  XXXX  accounts from  XXXX  should not even be on my credit reports.  XXXX  has also been past the statute of limitations for NY  ( 6 years ).  For a long time  XXXX  was reporting the wrong history and balances of the accounts since da y one,  but that was updated last year. I never had this issue with   XXXX   XXXX   as the original creditor. Please help me fix this situation as it is ruining my credit. I have highlighted in the  XXXX  payment history for both accounts in yellow via attached documents to show the proof.
We were notified today XX/XX/2016 that we have Hard Credit Inquiries on our Credit Reports ( Equifax , XXXX and XXXX ) for a loan that we DID NOT apply for. 
The following companies XXXX, XXXX, XXXX, XXXX and others have run Hard Inquiries against our credit reports and we have Never heard of these companies before. We call Equifax and XXXX and they put a Freeze on Our Credit Reports. XXXX has not put a freeze on yet. Equifax and XXXX said we would have to call these companies as ask to have the Hard Credit Inquiries removed but we said this is FRAUD. We had a freeze put on our credit reports so no more credit inquiries can be made for now. We have already had our credit scores reduced by these Fraudulent Credit Inquiries. We need help in all of this since Equifax and XXXX and XXXX DOES Not want to help us. We paid money to have the freezes put on each credit report. Do we now need to seek a lawyer to help us and have to pay for the lawyers fees too? We have tried for a long time to get improved credit scores but in a flash our scores are lower and we did not even apply for any loans or miss payments but are being penalized with no one to help us.
Since XX/XX/XXXX I have asked to remove escrow account for the reason it was never included in the refinance in XX/XX/XXXX. I request so many time to escrow account to be removed and it was removed around XX/XX/XXXX. I requested for loan modification around XX/XX/XXXX and after long hassel my has been modified. I also inform multiple times and was to write multiple times I don't need escrow account. Despite this escrow has been added against my will. Since I have stated on multiple occasion not to include escrow account in writing escrow should part of my payment against our will.
I had an XXXX XXXX that was sent to collection in error. I fought back and forth with XXXX XXXX and XXXX to make sure this error on XXXX XXXX  part did not adversely affect my credit score. I was assured it would not. Once the error was corrected I paid off my balance with XXXX. Now I am being hurt by over 50 points on my credit score because this account is showing up on my Experian and XXXX  reports. This is causing me to not be able to get my home loan that I have been working so hard to get. Currently my family is XXXX  and we are living with my in laws because we were expected to have our home loan funded by this time, but now because this account is reporting we are not able to obtain financing.
I noticed several hard credit inquires on my TransUnion credit report. None of them were appearing on the reports from the other credit reporting agencies ( XXXX and XXXX ). I called TransUnion to dispute this and have these removed. I said that I suspected that they might be related to a recent system glitch TransUnion made by removing, then reinserting inquiries back into consumers credit reports ( from what I understand can only be done in a very specific way that requires notification to the consumer ). Nevertheless, the customer service representative was not willing to help me.
Ally fraudulently claims that I missed a payment on my account when I did not. They reported to the credit bureau   XXXX   that I missed a payment and that my account was a charge-off. I have the letter written by  Ally stating that they were waiving the bogus {$820.00} in excess wear charge. I did not miss a payment nor is this a charge-off. They also stated in the remarks " Consumer disputes afte r resolution ''. List payment status as a collection/charge-off. Ally waived the fee and I did not contact them afterwards. On my   XXXX   report, they reported that my account was closed with NO missed payments. Payment status is listed as current. Stated in the remarks " Dispute resolved, customer disagrees ''. Ally continues to illegally damage my  credit score and may pot entially damage my ability to apply for a mortgage. What confuses me is that I check my credit report weekly and both  XXXX  and   XXXX   both had shown that they were closed with   XXXX   payments missed. Ally needs to investigated by the federal government. They will correct my credit report immediately, otherwise I will sue them.
XXXX XXXX, 2017 XXXX XXXX XXXX with held the fund {$2200.00} in my bank account due to a Notice of Levy Under Writ of Execution in the amount of {$30000.00}. I did n't know where this debt came from. I received a judgement letter notifying me of the bank levy on my account after the withdrawal had already taken place. I was short on all of my rent and bills. I
contacted the Winn Law Group that filed the judgement and asked to provide me more information on the debt amount, but I was given the run around with no resolves. I did sent them a follow up letter regarding clarifying the debt and collection.
In addition, I contacted the Sheriffs department that executed the bank levied but they ca n't help me or release the funds. 
I check my credit report on with 3 major credit reporting agencies and found no debt or collection account in the judgement letter.
This collection is a misrepresentation on the part of the Winn Law Group and falsifying the judgement with the local court. 
I 'm a XXXX XXXX and low income with my wife and XXXX children. I need the CFPB to help me investigate the law firm and get my funds release with XXXX XXXX XXXX. So I can pay rents and living expenses. 

Thank you
While working to close on a house, I received an email from an individual I thought was with my closing company along with another email address that appeared to be my realtor 's email address asking about wiring money for closing. After a few emails back and forth, I wired the money per the instructions provided due to email representing my realtor looking legitimate. The wire transfer occurred on XX/XX/18 for {$44000.00}. The wire went between USAA and XXXX  XXXX XXXX.
Wells Fargo dealer services has a credit inquiry on my credit reports from 2017 I never applied for a loan with them in 2017
The synchrony Bank has reduce credit limits on cards that has not been late or late and refuse to respond to emails about payment being late and charging fees when they only had to respond and state the issue, instead charging late fees and reporting me to the report company 's. Also the XXXX XXXX XXXX cancelled my automatic bill pay when funds was available, they did n't notify me and I could n't get to my funds and late payment was reported and the late fees was charged to which I had to pay to protect my credit