WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I contacted Credit Systems Inc. They placed a false judgment on my credit report which was removed by the credit bureaus. however I still wanted to discuss it with them because they have me in collections. The debt they had was originally {$230.00}. They then sued me in court and raised my debt to {$1000.00}. They are continuing to raise the amount I owe. I communicated with them I could not make the court date because I was in a hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my XXXX XXXX son. They said that 's not their problem and they will continue to charge me interest. I am XXXX XXXX military and by law, the company is required to let the court know that when they " sued '' me. They told me they did n't let the court know and again it 's not their problem. As a service member, I have legal protections against situations like this. The company has lawyers and they know the law. Their blatant disregard for it is inappropriate.
I HAVE TRIED NUMEROUS TIMES TO UPLOAD VIA WEB AND/OR FAX MY FTC REPORT LETTER TO THE LISTED FAX # AS I HAVE DONE BEFORE AND EACH TIME THAT I HAVE TRIED I AM RECEIVING AN ERROR FROM TRANSUNION END, EACH DAY THAT THIS INCORRECT INFORMATION STAYS ON MY CREDIT FILE IS HURTING ME. 
** MYTRANSUNION FILE # XXXX **
XXXX XXXX XXXX transferred the servicing of my mortgage loan to Shellpoint Mortgage Servicing, a division of New Penn Financial, LLC on XXXX XXXX, 2016. ( Exhibit A ) At that time, my mortgage was delinquent and XXXX XXXX XXXX had approved a six month forbearance on XXXX XXXX, 2016. ( Exhibit B ) Per statement balance from XXXX XXXX XXXX dated XXXX XXXX, 2016, my delinquent balance amount was {$6400.00}. ( Exhibit C ) On XXXX XXXX, 2016, I made a payment by check of {$3400.00} to a XXXX XXXX XXXX branch location in XXXX XXXX, Maryland. ( Exhibit D ) This should have taken my delinquent balance down to {$3000.00}. I received a mortgage statement from Shellpoint Mortgage with first payment due for XXXX XXXX, 2016 in the amount of {$1300.00}. ( Exhibit E ) I contacted Shellpoint Mortgage on XXXX XXXX, 2016 to notify them of a my payment that I made to XXXX XXXX XXXX. I spoke with XXXX XXXX XXXX, he informed me that my total past due amount is {$6400.00}. I told him I did n't understand why it is that much. He explained there is {$2500.00} of fees and charges accrued over the years of having the loan. He told me to email escalations. I sent an email to escalations on XXXX XXXX, 2016 ( Exhibit F ) and another email on XXXX XXXX, 2016. ( Exhibit G ) I received a letter dated XXXX XXXX, 2016 in response to my emails. This letter shows a balance of {$7800.00}. They state in the letter that {$2500.00} are corporate advances. ( Exhibit H ) I have a statement dated XXXX XXXX, 2016 with a past due balance of {$7800.00} ( Exhibit I ) and a statement dated XXXX XXXX, 2016 with a balance of {$4300.00}. ( Exhibit J ) I made a payment of {$1300.00} on XXXX XXXX, 2016 ( Exhibit K XXXX On XXXX XXXX, 2016, I called Shellpoint customer service and spoke with XXXX XXXX and XXXX XXXX, they stated my current balance due is {$6400.00}, delinquent for three payments. My monthly payment is {$1300.00}, which adds up to {$3900.00}. I do n't understand what is happening to my mortgage account. I fear that this transfer of mortgage servicing is going to cause me to lose my home due to errors in financial computing.
This is regarding an old Foreclosure account that went past due as of XXXX XXXX. This date of XXXX is also the last active date. The account is held by XXXX XXXX XXXX in Texas. XXXX XXXX and Equifax are claiming the " last active date '' is XXXX of XXXX. Therefore, the account should no longer be reporting. I have sent ( twice ) to Equifax a Mortgage statement from XXXX XXXX Mortgage XXXX that reflects the account was 3 months past due by XXXX of XXXX. In summary, this account should be gone and Equifax is stating they can not use my supporting documentation. When I tried to call XXXX XXXX XXXX, they claimed they can not take " inbound '' calls in the research department and that is the only department ( based on what customer service stated ) that would handle wrong reporting dates. Please help. I am attaching all documents. 
This issue is only with Equifax. The other Bureaus have removed the account already in XXXX. 
Thank you, XXXX XXXX XXXX
Real Time Solution a debt collection agency is attempting to collect on a 2nd Mortgage ( Home Equity Line of Credit ) on a mortgage initially established with XXXX XXXX XXXX. The mortgage was a conventionally mortgage with a XXXX split. As a result of the XXXX XXXX XXXX experienced XX/XX/XXXX the properties went into Foreclosure XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX who bought XXXX allowed the mortgage to go into foreclosure and I have been severely Financial Damage with a XXXX Credit Rating ever since this happen.. I attempted a loan modification on the original loan ( 1st Mortgage with XXXX XXXX XXXX but they mess up and delayed the modification and the homes went into Foreclosure. XXXX XXXX XXXX charged off the loans, and then XXXX XXXX XXXX bought the debt from XXXX XXXX XXXX and attempted to collect on the debt which was charged off by XXXX XXXX also, then XXXX tried collecting on the Debt and eventually charged off the debt. Now Real Time Solutions is doing the same. The financial structure established by XXXX has been haunting me since XX/XX/XXXX. 
The action of XXXX XXXX further harm and destroyed my Credit Rating. The home equity line of credit was a form of creative financing so I could get a loan that I did n't qualify for and funds I did n't receive. When the property was Foreclosed on by XXXX XXXX XXXX, I lost everything. 
The property was located in XXXX XXXX SC which is not my current address.
My fianc and I financed a car thru at called USAUTO in XXXX XXXX GA back XX/XX/XXXX. AWESOME car it was 14,000 ( est. ) well we was having financial problems and they came and got the car XX/XX/XXXX. We got back on our feet and called about trying to recover the car, I was told that the car was sold at a auction for XXXX but theres still a remaining balance that we have to pay of XXXX. I have been received phone calls but no letters. Its on my credit and its hurting us because I dont understand why I have to pay a remaining balance and they already sold the car. PLEASE HELP
Please read carefully!!!! 


This is the second time I have contacted the CPFB. Previously I contacted you regarding an inaccurate lien on my credit report from XXXX of the credit bureaus. Your help successfully got XXXX of the bureaus to remove the information. Experian did not comply and I need your help. 


The state of ohio misapplied a tax lien with the XXXX XXXX clerk of courts. 

The lien was applied due to a clerical error by the state. No money was actually owed. This was not a real debt. 

The amount due was zeroed out by the state once I became aware of the item on my credit report and contacted the state. 

No money exchanged hands as no money was actually due. 

Let me repeat. This was not a true debt. No money exchanged hands. 

A lien cancellation letter was sent to my home. I took the letter and filed it with the XXXX XXXX Ohio XXXX XXXX XXXX. 

I have attached a copy of said letter to this complaint. 

I have contacted all XXXX credit bureaus to dispute the item and have it deleted. XXXX and XXXX complied, and Experian did not. 

I have actually filed disputes with experian and they all turn up the same. They claim the report is accurate per their investigation. 

I need your help getting Experian to remove the State Tax Lien that was filed with the XXXX XXXX XXXX XXXX XXXX. 

The state cleared up its clerical error. See attached letter. 

The clerk accepted the state 's paperwork but experian refuses to comply. 

I have no way of getting the lien removed. This was not a debt and should not be on my credit.
I am receiving multiple calls on a daily basis. When I answer their call, they threaten me with a lawsuit. I have n't received proper verification of debt due to them having an incorrect mailing address on file.
Our mortgage was sold from XXXX XXXX XXXX to Mr. Cooper ( Formerly Nationstar ) and we have been trying to get a loan modification since XX/XX/XXXX due to a car accident where my wife was rear-ended and lost her job about 5 years ago. I have sent them requested documentation via mail and email ( at least 8 times ). I resent information today XX/XX/XXXX and we still do n't have an answer. This is by far the WORST company we have ever done business with. I needed to let you know so this company can be investigated, and hopefully this wo n't happen to others. My wife is going to be XXXX in XX/XX/XXXX and I will be XXXX in XX/XX/XXXX and we are to old for this kind of POOR customer service.
RE : CFPB Complaint - XXXX Sallie Mae has not updated the address as the said they would and have now increased his APR to 10.25 % ( XXXX ) and 8.250 % ( XXXX ) although they know he is XXXX in the XXXX XXXX as a XXXX. I am paying on his account and handling his finances while he away.
There are two mortgage accounts that are reported to the three credit reporting agencies under XXXX account number XXXX and XXXX from XXXX/XXXX/XXXX. Those two accounts where paid in full and the accounts were closed on 2012. The accounts are reporting as joint accounts. However, there are late payments reported. Those two accounts where set up to be paid automatically each month. Meaning that XXXX would pull out the money directly from the checking out when the payments were due. After sending an investigation request to the three credit reporting agencies. They all replied that they verified the accounts. So I sent a letter directly to XXXX requesting the payment history, i sent the letter to the address listed on my credit report for this particular company. The post office returned my letter with a sitcker label on the outside of the enevolpe that says " Unable to forward, undeliverable as addressed ''. So I sent a copy of that envelope to XXXX XXXX and Equifax, and to this day they keep responding that they veirfied the account though I sent them proof I ca n't get a hold of XXXX in writing. Attached is a copy of the envelope that shows the post office keeps returning my letters to XXXX.
Im currently the conservator/guardian for a protected person the guardian/conservator on the accounts with the accounts with protected person died. SunTrust Bank closed all banks in XXXX XXXX and I was informed that I needed to send all documentation to the Legal Dept. in XXXX XXXX which I did overnight. Legal received all documentation a week ago and Ive yet to hear from them. The documentation that they received was the court order to release all funds and account information to me as the conservator, death certificate of the previous guardian/conservator only with social security numbers of both the protected person and previous guardian/conservator on the two accounts. The protected person is now in Minnesota and is need of the funds in her accounts and these funds are being withheld. Ive now been inform by a supervisor of SunTrust that I will have to go to a branch office to present the documentation in order for the accounts to be release to me. This shouldnt be this difficult, if I was told this before leaving West XXXX I could have gone to a branch office in XXXX. But now Im in XXXX with the protected person and have no means to access her monies.
I received a collections notice from XXXX XXXX XXXX. I immediately contacted them and let them know this debt was invalid and I wanted to dispute the debt. as of XX/XX/2018 this has been reported on my credit and I have not received any information regarding my wish to dispute this debt.
I put in my application for credit with Discover on application ID XXXX. 
On XX/XX/XXXX, it was denied for the reason of 'STATUS OF EXISTING / /PRIOR DISCOVER CARD ACCOUNT ' I called Credit operations on the provided XXXX on the denial letter and though XXXX ; XXXX ; XXXX and finally XXXX all forwarded my request for information to each other, all I could get was 'your prior account was revoked ' ; when I asked why, no answer was provided. XXXX then provided a new number XXXX. That number is not accessible as of the time of this complaint. 
I suspect given I had previously reported Discover ( XX/XX/XXXX ) to CFPB for wrongful action on my account, I was 'blacklisted ', my account-fully paid-revoked and wrongfully denied future credit requests as retaliation. I suspect this because the same document denying me credit has my XXXX score at single digits from XXXX. 
Help me figure out why my account ending in XXXX was REVOKED as I never requested closure given its effect on my credit score.
I am a XXXX XXXX XXXX. I filed a chapter XXXX bankruptcy and indicated on the schedules that she wanted to reaffirm her mortgage. Wells Fargo Home Mortgage sent the reaffirmation agreement late, and then would not file it once they received it. We faxed it to them and mailed it on XXXX XXXX, XXXX. This is 1 week before the deadline. They received the paper letter within time to file it, and claimed to have never received the fax. Our fax had a verification of delivery. They told us twice on the phone on XXXX XXXX, XXXX that despite having the paper they would not file the paper. Filing it takes approximately 45 seconds. Despite having the signed reaffirmation agreement prior to the deadline, they refused to file it. They instead said that the lawyer should file a motion to extend the time to object to the discharge. Wells Fargo Home Mortgage also has standing to prepare and file such a motion. They refused to prepare or file it. A motion like this costs over {$1000.00} of attorney time plus postage and service costs. They refused to reimburse the borrower, their customer for these costs.
I purchased my home in XXXX XXXX, financed it through Ditech and opted for tax and homeowners insurance escrows. In XXXX XXXX, I received a delinquent tax bill from my county for school and county taxes. When I called Ditech, looking at my online account, which registered approximately {$5000.00} in escrows and only had an " earthquake insurance '' ( I live in PA, and do not have earthquake insurance ) payout scheduled for less than {$500.00}. The customer service agent told me I do n't have tax escrows on my account, when clearly I should have tax escrows set up, and the " earthquake '' insurance was coded incorrectly. It has been over a week since I alerted Ditech to the issue, forwarded a copy of my tax bills, and a copy of my Closing Disclosure reflecting that tax escrows should have been set up and tax escrows were collected at closing. My taxes have still not been paid. This is completely unacceptable and if I end up with a tax lien on my house, I am not sure what I will do. I 'm not sure why Ditech can not cut me a check of MY money sitting in my escrow account so I can pay the tax bill myself. Please help.
I had recently put in a complaint via your website because of some injustices that I feel had been going with my loan servicer, Caliber Home Loans. Previously my file was not being reviewed properly or was getting dropped out of review because Caliber claimed that I was not sending in documents, when in fact I had been. In addition, Caliber has been running a duel process of having my file in review along with active foreclosure sale dates, which I have been told in California is not legal to do. I recently was declined again XX/XX/XXXX, due to low income, so I resent a new application showing over a 40 % increase in income ( I am self employed so my income can increase significantly ) XX/XX/XXXX and last week I was told that my sale date was on hold and that my file was in review. Today, XXXX/XXXX/15, I call for another update and have been told that my file was declined on XXXX/XXXX/15, only XXXX days after I emailed my documents and that my sale date is now on for XXXX/XXXX/15. I spoke to the rep and they told me that they used an income of over {$7400.00} against only {$5500.00} in debts. How is it that my debts are excessive if this is the case. I have also expressed that I am willing to take a higher payment than my previous payment because I just want to get back on track. I do not have enough to bring my loan current and I keep getting told that they can not modify my loan because I already have 2 %.
A COMPLAINT was filed by me with CFPB in XX/XX/XXXX, concerning an identical entry on my XXXX credit report by STELLAR RECOVERY INC., their account number XXXX, ( " STELLAR '' ) using their address as XXXX XXXX XXXX XXXX, XXXX, FL XXXX and NOT STELLAR 's office at XXXX XXXX XXXX XXXX XXXX XXXX, MT XXXX ( XXXX ) XXXX. My COMPLAINT to XXXX stated in part : " Never contacted by Collector who is scavenging. XXXX agreed to reverse charges when I moved out of service area in XX/XX/XXXX and subject to [  my Plaintiff 's litigation ] XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, US District Court Oregon ( XX/XX/XXXX ). '' After being contacted very timely by CFPB, XXXX  deleted the collection item dated XX/XX/XXXX. I would appreciate the same from XXXX and for the same reasons.
My information was compromised in early XXXX 2017 by Equifax. My information is now public and I do n't know who has access to it.
I applied for a credit with Chase Bank twice once on XX/XX/2017 and XX/XX/2017. The bank is stating that my credit report may reflect a bankruptcy for the reason why the application is being denied. I called Chase Bank the first time back in XXXX asking for a reason from the representative and was told that she did not see a bankruptcy on my current credit file and she did not understand why I was been denied. I asked the representative if there was a department that could review my application for an answer and was told she was the department to correct the issue and the highest level to go. I think the bank is redlining certain customers in certain zip codes. I previously live in other zip codes and have credit cards from may banks.
Equifax is reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include 'Serious Delinquency. ' This has been reported to XXXX different financial institutions this year. After each time I have tried contact Eqifax by phone with no luck. On XX/XX/2016 I wrote a letter to Equifax and included a copy of the adverse factors I received from the XXXX institutions. Nothing happened. I got no reply and it was again reported this month to the third institution. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get Equifax to stop from sharing false information as it is hurting my credit. We wanted to refinance our mortgage, but this 'Serious Delinquency ' has really hurt our chances. 
I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... NEVER LATE. Because of attempts to correct this issue we now have had a lot of inquiries as it is the only way to see these adverse factors. 
please help!!!
I have a car loan that I have paid over $ 8k but they are reporting only {$300.00} paid down on principal. I disputed the balance with the bureaus but nothing. 
I wonder how the bureau validated information when the company has not provided me with copies of my payment history as request amortization schedule. 
I need to know where my money has gone. No one is providing me answers or getting me records.
a Representative from Recovery Solution Group sending texts threatening to reach out to family, know associates, and landlord to discuss the debt
Stellar recovery place a bill on my credit report without sending me a written notice. Also never left me a message to call. I received an email thru my credit alert about the bill.
I made requesting to removal due to following both public records has been reporting in my credit file since XXXX XXXX item were reported by vanguard mgmt company since XXXX XXXX. Than it went court matter and paid in XXXX XXXX been reporting this negative item since XXXX XXXX and than XXXX XXXX reporting since XXXX. Same negative item for over 9.5 years XXXX item were reported by XXXX XXXX copany since XXXX XXXX. Than it went court matter and paid in XXXX XXXX XXXX been reporting this negative item since XXXX XXXX and than XXXX XXXX reporting since XXXX. Same negative item for over 10 years XXXX attached letter of disputes and their vague response and playing with credit since last 9 to 10 years Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Equifax I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.
Attached to this complaint is a copy of a debt validation notice we received on  XXXX   XXXX ,   XXXX  , and dated  XXXX   XXXX ,   XXXX  , from the debt collection law firm  of McCarthy Holthus  in  XXXX  WA.     We dispute the validity of the debt identified in the notice and we will be sending a formal debt validation request and dispute letter direc tly to McCarthy Holthus within the 30-day period of receiving this notice. McCarthy Holthus should  cease and desist all collection activity and threats of judicial foreclosure until they have validated a debt, provide proof of creditor status and provide a complete accounting of all individual amounts, which would include a ny 3rd party payme nts made towards this loan from obligors and other parties. Evidence of any electronic transfers of the note should be provided as well to establish who is entitled to receive payments.     The notice is a threat to deprive of our property with the statement, Even though the judicial foreclosure process is being commenced an d may proceed during the 30-day period In this notice, McCarthy Holthus provides a false statement that    XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   ), is t he current creditor to whom the debt/loan is owed.  XXXX  has never extended credit to us and has no economic interest in promissory note.  XXXX  is only a servicer debt collector.     In a previous notice ( attached with this complaint ) sent to us by  XXXX , they stated that  XXXX   (   XXXX   XXXX   ) w as the creditor to whom the debt was owed.      McCarthy Holthus  and  XXXX  are violating the FDCPA that they must comply with.      XXXX  is not a creditor per the FDCPA   XXXX   XXXX   XXXX    803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends   credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.       XXXX   XXXX   XXXX   Sect ion 803 ( 4 ) defines " creditor '' as " any person who offers or extends credit creating a debt or to whom a debt is owed. '' However, the definition excludes a party who " receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 1. General. The definition includes the party that actually extended credit or became the obligee on an account in the normal course of business, and excludes [ 53  Fed.  Reg. 50102 ] a party t hat was assigned a delinquent debt only for collection purposes.