WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a dispute with  XXXX , Transunion, and  XXXX  in reference to the bankruptcy reporting inaccurately on my credit report. They stated that it was reported by the  XXXX  bankruptcy court. I sent a letter to the  XXXX  Bankruptcy court on   XXXX   XXXX   XXXX     and they sent me a letter back stating that the  XXXX  Bankruptcy court does not report to the credit bureaus, and therefore they have no control over the information contained in my report and that I may want to work with the bureaus directly. I Then sent a letter to  XXXX  Transunion, and   XXXX    on   XXXX   advising of the letter that I received from the courthouse and they sent me a letter back stating that this has already been disputed and they will not reinvestigate and I will need to contact the courthouse. I have contacted the courthouse and provided  XXXX , Transunion, and   XXXX   with the information that was given to me and they fail to reinvestigate. It is my understanding that reporting false information is a violation of the Fair Credit Reporting Act, and by them claiming that they received the information from the court, when they did not is a complete violation and that means that false information is being reported on my credit report for the Bankruptcy and  XXXX   XXXX . The tax lien is showing that the courthouse is the furnisher of that when clearly they are not. I called the courthouse for the information pertaining to the  XXXX   XXXX  and they told me the same thing.
The original debt and lien was created by XXXX XXXX, XXXX in XXXX, Texas, An unlicensed mortgage banker. The debt was supposedly transferred to XXXX Bank after closing, however, there is no record of that transfer in XXXX XXXX, Texas as is required by law in the State of Texas. 

The original creditor, and not the debt buyer, is the party responsible for reporting information about the debt to the credit bureaus. Typically, at some point prior to selling the debt, the original creditor will report that the debt has been " charged off. '' The debt buyer can not change or remove this information from your credit report. Only the original creditor can do so. 
XXXX XXXX was our original creditor and as the chain of title with lack of registering any transfers according to the laws of the State of Texas, that would legally make XXXX the purchaser of a debt and not the legal holder of the Deed of Trust and Promissory note. 
This debt has been cancelled by Declaratory Default Judgment of wrongful foreclosure in XXXX of XXXX and the Deed of Trust and Promissory Note is no longer enforceable. 
" The damages for wrongful foreclosure, particularly a willful ( or knowingly ) wrongful foreclosure ( in a non-judicial foreclosure state ) can be quite substantial, including the loss in value of your property, the costs to you of having a poor credit rating because of the foreclosure, the costs of moving elsewhere, emotional distress, and various other costs, including consequential damages which the bank could have foreseen when it wrongfully foreclosed. '' These actions have caused undue hardships on us financially and personally. A seemingly willful disregard for the laws of the State of Texas and refusing to abide by the orders of the court seems to be a matter of contempt. 
The reported no payments were court ordered as the foreclosure process was wrongful and invalidated the Promissory Note and Deed of Trust is inaccurate because the court ruled in our favor declaring the aforementioned actions as illegal and thus voiding the lien. I am requesting that the item be removed or updated to show paid in full to correct the information. 
Another part of the case involved the Mortgage Banker that was illegally brokering Mortgages without a license in the State of Texas through XXXX XXXX XXXX. 
The mortgage began in XXXX of XXXX and involved XXXX lawsuits before final judgment was passed against XXXX XXXX XXXX XXXX in XXXX, Texas and their leaning to Accelerate the loan and all our possessions which is illegal in the State of Texas. 
XXXX is the company, along with XXXX that put the pressure on us and refused to speak with me, the third person on the mortgage simply because it did n't fit their paperwork system. 
I have challenged this through the credit bureaus three times now and XXXX as a Debt Collector, refuses to close this and wipe the slate clean.
We 've started working with this company called CMS ( Customized Mortgage Solutions ) via a broker named XXXX XXXX XXXX on XXXX XXXX and submitted our application on XXXX XXXX. We provided all info they needed and the initial closing date was XXXX XXXX. They missed the due date which was XXXX XXXX to get us the loan commitment letter and ordered appraisal after XXXX XXXX. We kept emailing about the appraisal schedule since it 's a XXXX family house and both units are occupied by tenants which we already informed them several times. Eventually we heard back from our agent that the appraiser went to the property without any appointment or notice on XXXX XXXX and could n't see the inside. They requested re-visit fee and we denied at first because it was n't our fault, but our seller 's agent said she would cover the fee and CMS ask me to pay with my credit card since it 's under my name. So I gave them the authorization and I figured they charged on mine & the seller 's agent, which was double charged. 
After the appraisal, the report took more than 2 weeks and after we got the report I found they put the wrong picture in XXXX page & wrong floorplan sketch with wrong sqaure footage on XXXX page which they made the property half of the size. 
I requested to fix this more than 4 times via email over 5 days and CMS never replied on anything. We finally decided to move with another company and let the lender know and requested a refund on the wrong appraisal report & re-visit fee but all they said was they have no control. I asked my attorney about this and he said CMS should refund the money if the report is wrong.
I do n't have the income at this time to pay back my loan and I 've been given the option of forbearance from Navient but not once was I told I would still be charged for interest until I read an article about Navient being sued and it mentioned it in the article.
Asset Acceptance has continued to report a debt which is not mine and which they have not previously validated as I had requested in 2011. I have attempted to correct the disputed information with my credit bureaus, and XXXX and XXXX have removed the account while XXXX has refused to review the investigation. Because of the continued reporting by Asset Acceptance and lack of review by XXXX it is causing significant hardship in obtaining a mortgage for a primary residence with which I am in contract for.
I am a licensed real estate agent working with a borrower to accomplish a short sale. Bayview Loan Servicing is refusing to assist the borrowers because they stated they do not have enough time  according to CFPB rules. Bayview received the short sale file on XX/XX/XXXX when the borrowers had a foreclosure sale date on XX/XX/XXXX. The borrowers were able to get the judge to grant additional time until XX/XX/XXXX so Bayview could review the borrowers for a short sale but they still continue to refuse based on the CFPB rules. My understanding is that once the file is submitted, the lender should have at least 37 to 30 days to review in which Bayview has this time. In addition, Bayview informed me that the net proceeds need to be $ XXXX in which the net proceeds exceed the amount at $ XXXX. Bayview is using the CFPB guidelines as an excuse to not assist this homeowner avoid foreclosure. NJ is a judiciary state.
XXXX XXXX XXXX XXXX ( XXXX ) has contacted people with the same last name as myself and left messages with them to find/call me XX/XX/XXXX. They have also violated tcpa by auto dialing my sons cell phone on numerous occasions in XXXX and XX/XX/2018. This matter does not have anything to do with anyone else. They are giving out personal information to third parties.
In XX/XX/XXXX a first account was taken out in my name but paid! 
XX/XX/XXXX a second XXXX XXXX XXXX for the amount of XXXX was taken out in my name fraudulently. 

I was at the time XXXX in the XXXX XXXX of the United States of America Starting XX/XX/XXXX and XX/XX/XXXX Which leaves me unable to have opened either of the above stated accounts! 

i have contacted all parties of this matter and no actions have been taken! 

AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX
This company Phoenix financial services has a debt of {$300.00} repotting on my credit profile I have sent a letter to this collector asking that they send me validation bearing my signature, because I dont remember obtaining any services from this institution, and I have not received anything, also they reported this on my credit file before ever contacting me ... please remove this information ASAP ..
American Express card was issued since XXXX through XXXX with no annual fee. Account converted to XXXX XXXX American Express card and no fee was charged at conversion. XXXX XXXX annual fee of {$95.00} charged but statement was put in incorrect XXXX. Called American Express the moment it arrived in XXXX. I asked that the potential to cancel/have refund of annual fee be considered. Was told it was escalated and to call back in XXXX7 days. Called back on XXXX/XXXX/XXXX and was told no annual fee was ever waived. Asked to cancel the card/pay remaining balance and have fee refunded. Was transferred to another area offering {$25.00} off. Asked to cancel card/pay remaining balance and was transferred multiple times and then was lost in the number punching. I did not ever request the conversion to XXXX XXXX, have never paid bill late or not in full, have excellent credit and would like the {$95.00} credited. Have ceased usage of the card. Will pay remaining balance minus {$95.00} and hope to have situation resolved. Not understanding why i should have to call back in multiple times vs. American Express reaching out to me. Could not answer my inquiries of when there was any advance communication of the fee to be charged. Have spent & gt ; 45 minutes on phone attempting to resolve a card that is used & lt ; $ 400 monthly and have not flown XXXX XXXX in years ( nor chose this conversion ). While some customer service representatives appeared to want to assist, appeared their hands were tied.
I received a letter of threat that I had 15 days from the date of a letter to pay a debt or they would file suit against me in court. The company then I called and they said I had 15 days to pay or they would send me a confession of judement in order to keep this out of court. I then told them I wanted all paperwork of verification sent to me and I would make a payment of I believe {$140.00} till I could see what this was about. I never received anything but a confession of judgement. I then set up a payment plan over the phone with them and sent the papers back. I emailed them and requested through many calls to get copies of the paperwork and bills to prove the amount. Still nothing. When my payment date came up I called to make a payment they denied me that opportunity said they never reeived the signed copy of the confession of judgement and then said they had already filed the lawsuit with the court. I said you never sent me anything in the mail or called to tell me you did n't get the paperwork. They said the only thing to do is sign a consent judgement. I then had the FTC on the phone with a recorded conversation of them dening me the option to pay. And also me requesting to have the verification documents sent to me. They still did nothing. I have yet to get any verification and they went ahead and said that I denied the service papers to the court when I was never served with papers at all. I sent them a consent to judgement because they threatened me numerous times on taking my paycheck which is only {$350.00} every 2 weeks. I have never receivec any proof of the amount owed on this debt and have around 10 emails asking for the proof and them responding. With what proof to you need. I said bills transactions. They told me that it was around XXXX pages but will not send anything. I was tricked into signing papers for consents and confessions by them and this was all in a 2 month time frame. I even sent them a 20th email stating that I will pay a settlememt of {$500.00} with proof of the debt they denied a settlkement offer. This company needs to be stopped.
I have checking account in Wells Fargo Bank. My prospective tenant living overseas mailed me Cashier 's check also drawn on Wells Fargo Bank. The copy of will be attached later.The money was meant for Holding deposit/Security Deposit and First month rent and Utilities.The total amount he sent me was $ XXXX.Check arrived to me via priority mail. I deposited in my Wells Fargo Account. It took them 18 hours to clear the check and bank told me funds are available for my use. Then after another 15 hours bank send me email stating my check has been returned for lack of funds. As such I was shocked and puzzled when the check that was drawn also on Wells Fargo Bank is bad check. 
At this time point I see not only Wells Fargo has already bad reputation publicly but my incident adds to more of the same. They say it is Scam then that means Scammer and Wells Fargo are in Collusion to carry such criminal acts. With the result I lost business because I had already taken AD off the market. Since I had promised this Gentleman I will reserve room from him before his arrival so I could not rent anybody else. ;
I received an email displaying a dept store statement which had an inaccurate balanced on  XXXX / XXXX / XXXX . I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at   XXXX   on  XXXX / XXXX / XXXX . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day,  XXXX / XXXX / XXXX , there were  XXXX  other hard inquiries done without my consent that someone else had did.    XXXX     XXXX   XXXX / XXXX / XXXX  &amp;  XXXX   XXXX / XXXX / XXXX . I also noticed an inquiry from  XXXX   XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.
Received several ( each 2 hours all day ) which were ROBO Calls from XXXX XXXX ( XXXX ) XXXX. Announced that if I was a specific person, I should input 1, if not input 2. I input 2. I input 2. I was told to pause the message to input 1, which I did. I was then told to get the particular individual and get them to the phone. Then the ROBO call went back to if you are " " input 1 If not input 2, but then added if this is the wrong number input 3. I input 3 and the message went back to if you are " " input 1 and if not input 2, at which point I hung up the phone and and took down the information and called them back to put in a complaint. 
The first thing they asked for was the phone number associated with the account. I explained that I had no account with them and that we had no previous business arrangement with them ( which is why I tried to register this as a violation of the do not call registration. I also told them that I did not appreciate the harassing ROBO calls and to remove my phone number from their records. 
I got in touch with the specific person ( who does not live here and has not given our number ( XXXX ) to XXXX XXXX. Evidently they got my phone number from public records and decided to try to collect a debt using constant harassment. 
The harassment started before noon today, and had a repetition rate of once per 2 hour period, until XXXX this evening when I finally had enough.
Home Depot somehow was able to run my credit and get a credit card for me even though they misspelled my name. That is incredibly scary. I called and cancelled the card, but how is it possible for credit to run if they do n't have the correct name?
I reached out to XXXX, XXXX and Experian about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. XXXX, XXXX and Experian all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( X/XX/2016 ) XXXX XXXX XXXX XXXX ( X/XX/2016 & X/X/2016 ) XXXX XXXX ( X/XX/2016 ) XXXX XXXX XXXX XXXX ( X/XX/2016 & X/X/2016 ) .XXXX XXXX XXXX ( X/X/2016 )
Hello, I have tried several times to get to speak with Navient as well as the credit companies ( XXXX, XXXX and XXXX ) about the multiple inaccuracies on my credit. My student loan report " good, good, good '' for months in a row and then the following month will jump to 120 days past due. After that 120 past due it will go back to good standing or they will not report for a few months. I do not understand this, however this is a reason I can not get approved for a home loan. Can anyone help with this?
I disputed several hard inquiries from SYNCB/walmart SYNCB/amazon on my  XXXX   XXXX   XXXX  and   XXXX   Credit Report. I wrote several letters to the companies asking to remove these fraudulent inquiries from my credit report, and I was told that those belong to me. I ask for each bank to send me proof if these items belonging to me and i was never sent this information. I am a victim of identity thief.
On XX/XX/XXXX, I decided to take advantage of a balance transfer offer on my current Chase credit card ( Freedom Unlimited ) and transferred {$3500.00} from another bank. The website offer clearly states " 0 % APR through billing cycle ending in XX/XX/XXXX. Additional terms apply. The balance transfer fee is 3 % of the amount transferred with a minimum of {$5.00}. Respond by : XX/XX/XXXX. '' There is no fine print about the interest rate, nor any other links describing how this affects my current balance or fees on new purchases. I typically pay off my new purchases in full. 

OnXX/XX/XXXX, I was surprised to see an interest fee of {$14.00} on my statement. I had just paid {$2000.00} the day prior to pay off my new purchases. I contacted Chase and they THEN decide to tell me " If you take the promotional balance transfer offer and do not pay off your entire balance each month ( including the promotional balances that you add by using this offer ), you will lose that interest-free period. This means that you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. New purchases include any fees added to your purchase balance, such as an annual fee, if applicable. '' I am extremely angry at this. Had I known this BEFORE, I would not have done the balance transfer. With the balance transfer fee, it actually cost me more money now if I want to keep using the card. This is a waste of my time and money and extremely deceptive.
On XXXX of 2017, I got a letter by mail with an offer to open a credit card with a promotional 0 % APR for 15 billing cycles on balance transfers and {$0.00} Transaction fee if used within 45 days of opening the card I applied, so I could transfer {$3500.00} from another credit card. Having excelent credit score, I saw no problems with getting approved for the amount mentioned above. I was approved for a credit limit of {$250.00} dollars. Obviously when asked about the reason, I was told because of high balance on other cards, even though my credit score is excellent. Strange thing, but I believe this is a misleading advertising as with this they got me enrolled, but I will not be able to use the offer that lead me to open the account on the first place. When I called to ask for the reasons, they ran my credit report for a second time, as they said that they couldnt use the previous one.  All for nothing, as they didnt grant any credit increase. This will affect my credit score.
Home Point Financial has reported a default on our home loan, charged us late fees, caused undo stress, and they refuse to correct their era. Homepoint reported us in default on our loan, acknowledged it was an era, but they havent corrected the problem. We are now getting default letters. We submitted documentation from our banks, verifying payments made for XXXX and XX/XX/2018. However, Homepoint has not corrected the era and claim we didnt make payments. We have spoken to the representatives over and over again, but no one seems to know how to correct the issue. We have corresponded through letters and still the same response. Its as if they are unwilling to do the research, verify the documentation, and correct their mistake. We had a good credit score, but if this continues we want.
This company constantly calls my cell phone sometime 2 times a day. They use the call back number of XXXX and XXXX.They leave no message on the answering service. on the XXXX number 11 times since XX/XX/2013. on the XXXX number at least 15 times and the XXXX number 5 times.I do not want to receive any further phone calls on my cell phone.They have called after XXXX and before XXXX violating fcra regulations
The 3rd week of XXXX XXXX, Freedom Mortgage XXXX, notified us we were short on XXXX Escrow. The shortage was caused by an increase in the home owners insurance premium, which we were not notified of. We changed insurance companies, which resulted in the premium going down {$500.00} for the year. The old insurance caused a shortage of {$1600.00}, we overnighted the full amount to the XXXX office, per the instruction of the company. We call a few business days later to see, if the check was placed in the XXXX Escrow account. We ask if they had the new insurance company information and new payment schedule. 
We requested the new amount for the monthly mortgage payment with the corrected escrow. We were told the XXXX Escrow check was supposed to be mailed to XXXX. As of today the {$1600.00} funds have never been correctly deposited to the XXXX Escrow account, despite the memo on the check specifically state " XXXX Escrow. '' We paid a {$600.00} house note, which was sent to Escrow for unknown reasons. The XXXX Escrow has never been figured, so to date after trying to the right thing for 8 weeks, we have made ZERO progress. We have called at least once, if not twice a week to see what updates have been made. We rarely if ever are able to transferred to a supervisor. We have yet to talk never talk to same person or the same office. I do n't know they just have bad business practices or what. Freedom Mortgage has not returned any of the phone calls as promised. We have a VA ARM loan and on paper it is a great deal, we strongly suspect the mortgage company is not making any money on the loan, so they are trying to force us into a conventional loan against own will. They also send us information on their conventional loans a min of weekly.