WillisBack/dataset-financial-user-claim huggingface dataset:
The original loan was made in Oregon as a 2nd Mortgage. In XXXX the house went to short sale. The credit company Real Time Solutions apparently purchased the debt and is miss-reporting as making payments on the account thereby attempting to show it is not passed the statute of limitations. 


This account is well passed the statue of limitations and no payment have been made to this account since XXXX, but the credit agency is falsifying their report to appear that payments were made sooner. 


1 ) Real Time Solutions is not the original owner of the debt.

2 ) Real Estate Loan past the statue of limitations 3 ) Real Time Solutions is misreporting financial information based on payments that have been made to this account. None have since XXXX. 

I have disputed this through XXXX  but the credit agency again misreported the information. 

Report # : XXXX XXXX Mon - Fri : XXXX - XXXX CST Sat - Sun : XXXX - XXXX CST Reason and details Next Reason and details Next General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name REAL TIME RESOLUTIONS Account Number XXXX Account Type Mortgage Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$28000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$83000.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$420.00} Original Balance {$63000.00} Highest Balance {$0.00} Terms 30 Years
Disputed with the company on XX/XX/18 the company received my debt validation letter by certified mail on XX/XX/18 as it shows certified mail. It is XX/XX/18 and I have yet to hear back from the company. The FCRA gives the company 30 days to respond and there is no proof of response with verification of ownership nor contract with written signature with the company in which they could have sent certified back with tracking as their proof.
I received a final incorrect invoice from XXXX, dated XX/XX/XXXX after cancelling my service with them and returning all of their equipment on XX/XX/XXXX. Upon receiving the invoice I tried unsuccessfully to get the balance corrected by phone but eventually ( XX/XX/XXXX ) had to go in person to one of their offices with all my paper work, which proved that the service had been terminated and their equipment returned on the dates I had claimed they were. One of their agents reviewed my account and the paperwork I had brought in, decided I was correct and put in for a credit to remove the overcharges. Two days later ( XX/XX/XXXX ) I received an email from XXXX acknowledging that I had received a credit for {$93.00} which would be reflected on my next invoice, leaving a balance due of {$0.00} on my account. When I did not receive a next invoice, I went online and printed out the final invoice which did show the both that the credit was issued, and applied to my account and that the balance due was now {$0.00}. Despite this I was contacted a short time later ( XX/XX/XXXX ) by a debt collector, ( XXXX XXXX XXXX XXXX   XXXX, XXXX. ) hired by XXXX requesting payment on the original amount. After sending all my paperwork to them they dropped collection efforts. Three months later I received a new collection letter from a new collection agency, CBE Group, dated XX/XX/XXXX for the same {$93.00}, XXXX 's billing error, which they had corrected on XX/XX/XXXX. On XX/XX/XXXX I sent in all the same paperwork, proving that there was no debt with a letter explaining the situation to CBE, however instead of dropping the matter they have continued sending me collection letters for the original amount the latest one dated XX/XX/XXXX. 
The debt collector trying to collect the fictitious debt is : THE CBE GROUP , INC . 
XXXX XXXX XXXX XXXX XXXX, IA. XXXX
It is impossible to view a statement with clear numbers for how much I owe, how much the interest rate has gone up and even the dates for the loan. Specifically they increased my interest rate and I ca n't look at previous statements to see when. I think it was this month. I 've had a loan with XXXX since XX/XX/2004, then Navient. For YEARS it 's been impossible to deal with them - repeated misplacement of documents during consolation, differing information between agents on the phone, hours spent trying to answer simple questions and changes made to payments without my consent. I have many years documented, including names, id numbers and conversations. Most currently I just want to see a statement and the online site has no option to do so. Also the loan never said it was variable when I first signed on with XXXX. It was sold to XXXX, and is now under Navient. Please help!
In XX/XX/XXXXI opened an account with XXXX for a credit card with a limit of {$200.00}. After several months I was unable to make the payments, as I was not working. In XX/XX/XXXX I moved from XXXX to XXXX. As of the year XX/XX/XXXXI began receiving calls from a company called XXXX XXXX claiming I now owed over {$2000.00}. on this debt. On XX/XX/XXXX I was summoned to court and was convinced to make a payment arrangement with XXXX XXXX even though I was unaware and or not made aware of that the Statute of Limitations had most likely ran out on this debt. I paid XXXX XXXX from XX/XX/XXXXuntil about XX/XX/XXXX a total of {$450.00} and could no longer make the payments due to being out of work. On XX/XX/XXXX the County Court granted a final judgement to XXXX XXXX. I do not believe I have seen documentation of this judgement until XX/XX/XXXX. My signature is not on this document. On XX/XX/XXXX, I happened to notice money missing from my paycheck. I looked at the Pay Statement to find that {$220.00} had been taken for Garnishment. Apparently, a hearing took place on XX/XX/XXXX, at the County Court without my knowledge, to grant a Writ of Garnishment to Asset Acceptance. I was never notified of this, nor was a given a chance to explain, defend, or oppose this action. Nor was I made aware of that I could file an Exemption for Head of Household, as I provide at least 70 % of the household income for my Spouse and myself. I tried calling several attorneys, but the only suggestion they make is to file bankruptcy, which for me is not an option.
A dispute against the company XXXX for a collection for {$240.00} was started XX/XX/XXXX. The  company reported to the bureaus to delete the collection from my reports XX/XX/XXXX. XXXX was updated showing as deleted. Originally filed a complaint with the BBB after 50 days from the original dispute, they stated that Equifax has 0-90 days to delete the collection from my reports. Making XX/XX/XXXX 90 days. My XXXX XXXX was updated this morning, showing that collection has not been deleted.
This is a complaint from XXXX XXXX against LTD for LTDs failure to provide requested information for the debt alleged. On XX/XX/18 consumer received a demand letter from creditor, LTD. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 2 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
I wrote a letter to XXXX, TransUnion and XXXX dated XX/XX/2018 informing that there is negative report by XXXX XXXX XXXX  Court and Department of Treasury Internal Revenue Service Federal Tax Lien against my social security number. I did get a response but neither three credit bureaus addressed this dispute. I also submitted documents supporting my request. I will be submitting the documents to you as well. In my attachments you have only one letter to XXXX. However, TransUnion and XXXX also received the same letter, dated the same as well.
I have been trying to work with my mortgage company Citi mortgage for sometime now. I have seen all the documents into them when they have requested. I have let them know that my parents have moved into my home and are paying the cable, electric, gas, grocery bill and even providing me with {$150.00} a month toward my XXXX mortgage that is up to day. I have sent all the require documents. Citi have told me from time to time that they have n't receive any documents at all and if they have they were missing pages. I have contacted Citi and informed them that everything was sent. Citi has told me that they have n't received some of the docs that were requested. I have expressed to Citi that I want to keep my home and want to work with them. I have always sent all docs in with a letter that my parents are paying for bills in my home. Citi has told me that they need addition information. I have contact them by email and phone that everything was sent. As of last week Citi sent me an email about my over time at work and they need addition information about over time. I told Citi that my over time was not much and we are n't having over time anymore and do n't included that into my mod. Citi said that we need to have a letter sent on company letterhead about my overtime. I told Citi that I am trying to work with them and that my company is n't offering overtime anymore. Citi sent me a message back saying that we need a letter saying about overtime. I told Citi please do n't take overtime into the mod. I have worked in the mortgage dept before and I know if a customer says do n't included over time into a mod due to it may not be offered to exclude it. Citi stated that they need to have a letter sent to them stating about overtime or my mod will be turned down. I told Citi that I have been trying to work with them for sometime now and cant seem to get any results. I told Citi that they can see in my check statements that my over time is n't much at all. I told Citi that my home is underwater and I want to keep my house and to work with me. I let them know that I went through a divorce and took a pay cut with my company but I am working full time and my parents are helping me with my bills and they live with me full time. I let Citi know that I have always sent in all the documents that are requested and cant seem to get anywhere with them. On this pass Tuesday XXXX/XXXX/2015 I told them that over time is not being offered anymore at my company. Citi sent me an email letting me know that my mod would be turned down. I told them that you have never requested this from me before and why is it being requested now. I told Citi that I was being treated unfair and I feel like they do n't want to work with me at all. And I have been trying to have this taken care of for along time now. I told Citi that I am doing everything I can to keep my home for my family and want to work with them. I feel like they are n't helping me out at all and they are treating me unfair and to please assist. I told Citi that I was going to be contacting your office. I just want to keep my home and do a mod with Citi mortgage. Thank you XXXX XXXX XXXX
Re : XXXX XXXX XXXX ; XXXXXXXXXXXX, XXXXRe- Credit reporting Equifax , XXXX , & XXXX , are not reporting my long-term credit. 
XXXX XXXX since XX/XX/XXXXMortgage since XX/XX/XXXXI have a XXXX XXXX that says on it " Member since XX/XX/XXXX. " None of the credit reporting agencies are reporting that I have a XXXX XXXX. 
On XX/XX/XXXX I called XXXX to request that they report to all of the credit agencies that I have had credit with XXXX since XX/XX/XXXX and that I pay on time. The representative from XXXX said that they do report to all of the agencies regularly. 
I told XXXX rep that despite this, it is not being reported on my credit report. The XXXX rep said she would send the report the credit agencies right then when we were on the phone. 

I want all three credit agencies to report that I have had credit with XXXX since XX/XX/XXXX, what the available credit is, what my balance is, and that I pay on time. 

Also, I have had a mortgage since XX/XX/XXXX and have paid it on-time since XX/XX/XXXX. Yet none of the credit agencies report that I have had a mortgage since XX/XX/XXXX. Instead, my report just shows the last XXXX " servicing companies '' on my report and when I last looked they erroneously said I had a late payment. 
I have disputed this late payment ; and want it removed.
I checked my online report recently and discovered that there is a  Professional Adjustmen  XXXX  collection that is incorrectly being reported to my credit. It seems they are asking for {$1300.00} and the account number is "  XXXX  ''. I did not receive any notice with a right to dispute before this was reported to my credit. This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money. I 've done some research online and this company has been involved in several scam stories for many consumers. Considering their history, I am not about to reach out to this suspicious company when I do n't even know what this debt is for. They need to explain who they are and why they want me to pay them {$1300.00}.
I have a collection on my credit from Dyck Oneal. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. Dyck Oneal is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit
XXXX XXXX XXXX this account was not authorized to added to my credit report due the company they purchased the account from XXXX. I never opened an account with them with my authorized this account when the account was opened. The account was going to address that I am not even associated with at all. Please remove from my all three credit report promptly. I have contact over the phone and via certified mail to have this item removed with no response. I should not be penalized for an account that I never opened in the first place. It annoys me I have to go to these extreme to have this account removed. It seems that these companies should really do all they can not to adversely affect someone's credit unless absolutely necessary.
I'm a Survivor of XXXX XXXX which ended after 17 years and also my entire life ended when my husband came over and XXXX me under a PFA and made me completely XXXX XXXX   and XXXX XXXXXXXX my entire life changed within 5 minutes and due to that fact I had to wait a year and a half just to get XXXX and live off credit cards for me and my children child support took one year to receive as well and I had no money coming in. We have a home equity line of credit with Key Bank their address is XXXX XXXX XXXX XXXX Ohio XXXX and they do have a phone number here XXXX. My husband under a court order through XXXX XXXX received a credit of {$550.00} every month to pay the home equity line of credit at KeyBank. He continuously paid it late which affected my credit as far as the score and I am now having major difficulties finding anybody that will refinance me. Under the marital Separation agreement and property separate under the marital property agreement I am to refinance {$25000.00} of the home equity line of credit on to my house and my ex-husband must refinance the balance of that loan on to his house. I have been turned down by almost every mortgage company due to my score and due to his late payments. I have offered Court documentation showing that he was fully responsible for making the payments but they all say because it's affecting my score to and which brought it down drastically.
I signed an agreement with westcreek financial however i do not understand how they can charge me 80 % of my original price ( XXXX ) even if i still owe them {$1.00}. They said they would tack that money on after my 90 days interest free period. That would make my interest rate 80 %. That has to be illegal or loan sharking, right? No one told me any of that at the XXXX when i purchased my furniture. They just said it would be a high interest rate so i assumed 20 or 30 % of whatever was remaining not adding XXXX dollars on the balance.
I took out the loan, but later added it to my XXXX consolidation, and they refuse to quit contacting me. The XXXX company has contacted them numerous times as well, with my power of attorney papers and they still contact me several times a day from many different numbers. EMONEY USa ... never use them
I have already sent in complaints to CFPB about the  XXXX  credit bureaus. I submitted proof of identity theft and what items should be blocked on my credit reports.  XXXX  took care of the situation immediately. However, Equifax and   XXXX   has not. According to the law the items identified as products of identity theft were supposed to be blocked within 4 days. Instead, these companies are going through the normal dispute process and taking 30 days to do so.
My home was impacted by hurricane XXXX.I called Wells Fargo and made arrangements for my next payment to be the XX/XX/XXXX billing statement.I received notification that this arrangement was made via email...I just received an email below stating I missed my XX/XX/XXXX paymentI called three different departments at Wells - probably on hold a total of 75 minutes - spoke with a customer service agent who couldnt help with anything for about 3 minutes verifying information...Not a single person I spoke to could confirm the arrangement - move my payment to XXXX and waive a late fee.
I went to XXXX, looking to open up a bank account and was told I could n't do so because there 's fraudulent activity on my banking history. I then contacted chexsystems to see what they were talking about and it says there 's a charge off amount for {$330.00}. I 'd love to know why this is there, and what I can do to remove this from my history.
I contacted XXXX by mail to inform them that my credit that I had been working on was not on my annual credit report. And these accounts are : XXXX XXXX store on XXXX XXXX ( finance by XXXX ) bought King size bedroom set. made monthly payments. Then bought queen size mattress ( 3 ) sets at XXXX XXXX store on XXXXXXXX XXXX and XXXX XXXX. Made monthly payments each month. Then, I bought a furiture set ( 2 ) cough 's and pillow 's. Made monthly payments each month. Then I bought a sectional brown in color made monthly payments each month miss some payments but, I caught up and paid it with late payment amounts. Then I bought a car XXXX XXXX 3yr payment plan paid each month until I was finish. Then, I was a co-signer for my Daughter. Who never miss a payment. Not one payment miss. STILL These Items are not showing on my report. XXXX said that they never received any thing for none of my creditors. I contacted ALL of them and ask if they sent in my report of payments. THEY ALL SAID YES WE DID. And then I ask if they could send another one ( certified copy of finish payments ) THEY ALL SAID YES. THEN I sent in copies after 30 days and still nothing. HELP!!!!!
Synchrony Bank CLOSED MY CARE CREDIT ACCOUNT WITH NO NOTIFICATION TO ME! After reaching them today, XXXX/XXXX/XXXX, I was told the account was closed for " lack of activity ''. The " customer service representative '' FAILED TO EXPLAIN WHY HOWEVER, I WAS NOT NOTIFIED OF THE ACCOUNT BEING CLOSED!
Unauthorized hard inquiries by barley bank and XXXX I made no applications to either of these need them removed lost XXXX points on my score.
Listed inquiries below are what needs to be removed from my credit report : AMERICAN HONDA FINANCE (XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XX/XX/XXXX
I recently opened an account with citi simplicity and made a balance transfer to XXXX XXXX XXXX. The representative I spoke with, apparently mailed the check to the wrong address. I was told it was mailed on XXXX/XXXX/2015. 10 days have passed, the transfer was still not processed. I kept calling citibank for an update they keep saying it should be posted soon. Today, I called XXXX XXXX XXXX to verify if they have received the check. Still no check up to date, they advised me to ask citibank what address the check was mailed to, because they might have mailed it to a wrong address. So I called citibank to verify the address they mailed the check to, and indeed, the check was mailed to the wrong address. Now they have to cancel the transfer and wait 2-4 business days for the completion of cancellation, and then wait another 7-10 days to receive the check. Which now puts me to another 2weeks of waiting. I asked them to trace the check to see if they can forward the check to the right address, but I got no help. 7-10 days processing turned into a month of processing. It was their fault at the first place for not verifying the correct address. But now I 'm the one who 's receiving all the inconvenience. They should have a way to expedite the process for inconvenience like this. But I did not get the help that I need.
I 've had the worst customer experience in completing a refinance on my home from CapitalOne, TWICE. The first time around the loan officer completely dropped the ball and did not answer any of the questions related to my loan and as a result it was closed. No one ever contacted me to inform me that the process had been terminated and I only found out when I called to get a status update. After complaining and escalating the issue to a manager, I was assured that I would be placed with a more " seasoned '' mortgage consultant who would ensure that all my concerns were addressed and help me to close on my loan. I was required to reapply again and the process went smoothly until my new loan officer failed to return every single phone call and email I made to request a status update on my loan. At this present moment I have no idea what is going on with the process and both the loan officer, her assistant and manager are unable to be contacted! The customer service at Capital One is awful! Its ridiculous that after I 've shared tons of private and financial information I can not get even XXXX response!!
This HELOC was included in a bankruptcy in 2004 and so does not report to the credit bureau 's and they are not allowed to chase me for it, despite this I pay it on time every month, at least for the last 2+ years. For the second time this year I received a SCRA notice, which is the first step in the foreclosure process. I called Bank of America and they said it was a mistake. Twice already this year, while I pay them monthly, they have sent this which always scares the heck out of me and causes me to spend hours trying to get them to talk to me and checking my own records. They need to cut the XXXX - sending that notice is akin to threatening foreclosure and for anyone who's ever faced foreclosure it is terrifying. So to receive these repeatedly when the mortgage is being paid monthly is unacceptable. They also took away my ability to view the status of the mortgage on my BofA online account - up until last year I could view the activity on it so it was easy to pay and see what was due when. Now they restrict online access to this one account, which is wrong, because it was included in my bankruptcy 15 years ago.