WillisBack/dataset-financial-user-claim huggingface dataset:
Shellpoint Mortgage is in violation of CA Homeowner Bill of Rights and is illegally trying to inflate property values to deny homeowner legal rights to avoid foreclosure. 

At issue is the Shellpoint illegally refusing to acknowledge market conditions and property damage which directly affects the value of homeowner property. Homeowner is trying to sell the property to avoid foreclosure. CA Homeowner Bill of Rights requires lenders and servicers to work with homeowners to avoid foreclosure. By illegally disregarding hard facts about property condition and the fact that this property has been on the market for 238 days with multiple offers that has fallen out due to property condition they are in fact breaking the law by not taking those issues into consideration. 

Shellpoint is requiring an unreachable and unreasonable price of XXXX for the sale of this home. We are keeping a record of this dispute and will have the option to use this as a record for any potential class action law suits if Shellpoint forecloses and lists this property for sale for anything less than XXXX. This property is NOT worth XXXX and Shellpoint has plenty of facts to back up the true value of the property including recent sold comps and bids for repairs needed for this home but Shellpoint refuses to take that information into consideration. By illegally inflating the property value, failing to realize that a property marketed for 238 days in an area that has an average DOM of 60 days they are acting as a foreclosure mill. Only interested in foreclosing not adhering to CA law in helping avoid foreclosure or working in the standards of real estate law in marketing a property. This is illegal and Shellpoint must immediately cease and desist their foreclosure mill process.
On XX/XX/XXXX, I received a notice from XXXX XXXX that " Capio Partners '' had disclosed an account from XXXX University XXXX XXXX for {$420.00} up for collection, opened onXX/XX/XXXX. I have never received a call or a letter from them saying that I owe this amount at any point in time, and disputed the error several times via XXXX  using XXXX XXXX. I still have not received any mail or calls referring to this matter from them, and therefore can not be sure of its validity or that it is even my debt in the first place.
Wells Fargo is reporting a mortgage on my credit report that was awarded to my ex wife XXXX and should not be on my credit report. I have attached documents to support my claim.
We were in the process of selling our home and needed a payoff from Ditech to gear if it was feasible to be able to sell our home. I contacted Ditech in XX/XX/XXXX and was given a payoff of XXXX and asked them if there was any other debt assigned to the property and they said no, so we proceeded in selling our home. We received an offer in XX/XX/XXXX to sell our home of XXXX, and we accepted it. Closing was set for XX/XX/XXXX. My lawyer XXXX XXXX found that there was another lean on the property and immediately contacted Ditech for additional information. Ditech was less than cooperative to resolve the issue and did not resolve till closing date. Closing came and 1 hour into closing the sale of the property We were informed that we needed an additional XXXX for the sale of the property and if we did not pay it we may have a lawsuit or have to file bankruptcy. What had happened there was a non interest subordinate loan on the property from Hud and Ditech never disclosed it. This was set up by XXXX XXXX in XX/XX/XXXX from a modification. the loan was sold to Ditech and the modification was no longer disclosed by Ditech in any form. We would not have sold our house if we knew that loan was still outstanding. We ended up putting ourselves in deeper debt to close on the property. We were severely mislead by Ditech and there complete lack of service.
I was attempted to be contacted by a person posing as a process server from a spoofed local area number ( not a working number when called back ) stating that they couldnt contact me so they were going to call my place of employment and supervisor as means to get ahold of me stating there was a location order out for me. They also contacted a friend and family member of mine stating that they were looking for me to serve a subpoena. The RECORDED message on my phone stated that I could stop any legal action by contacting your office at XXXX. 
There is no subpoena on record with the local court in XXXX County and no order of location out for me either ( last I checked those are issued in family court on child custody cases ).
XXXX Violation- noty mine accounts are inaccurate PO report XXXX No knowledge
For several years I have been trying to pay off or at least get current with my Juniper Credit card ( owned by Barclay ). XXXX card has been closed, but they continue to charge me interest. I have XXXX other cards that have been more than helpful in that respect and I am slowly paying them off. When I ask for a similar deal they refuse. I have been through several short term hardship programs, that have been somewhat helpful, but have never brought my account current. After the last stint at short term hardship, I spoke to an account rep who was surprised that I was never offered a long term plan. I told her, it was never available to me, per their parameters. I asked her if my account was closed, she confirmed it was, I then asked why they are trying to charge me more that the Washington State limit of 12 %, she did not have an answer. I want to pay off my account, but they make it impossible with the interest they charge on top of late fees. I have written them a letter asking to be put on a plan with even monthly payments and no interest. Is there anything else I can do, besides filing for bankruptcy?
University XXXX XXXX has removed this debt from my credit before as a result of it being supposed to be paid for by XXXX XXXX XXXX XXXX. This was several years ago. Now Debt Recovery Solutions is reporting it and has not sent me ANY notification of the debt collection and has reported it to my credit.
So I was checking my Bank of America account and saw charges that I did not recognize. I called the bank and was told for a year and a half there was charges from XXXX on my account. Today is XX/XX/XXXX these charges started back in XX/XX/XXXX they issued me a credit for the amount then after the investigation I was told it was not fraud and that i was responsible for the money they credited me back. I did not Authorize the charges made on my XXXX account and do not no where they came from. I cancelled the card was issued a new card and they shut down my XXXX  account. Made a new password for my XXXX account and applied new cars to the account. There has not been a charge for 4 months since and they still tell me its not fraud. I called again to see if they could investigate the charges again and they said yes but are still charging me back on my account.
I have disputed the debt that XXXX wireless has on my credit report with all agency, XXXX has removed it after my dispute, yet it still remains on my transunion report. Also all the medical bills on XXXX still have NOT been removed, as they have been on trans union report, so my credit reports conflict XXXX another. I thank you for your prompt attention to this matter.. have a great day! Also I went and applied for a new car and the company assured me that it would not impact my credit score, they ran it XXXX times at XXXX different credit unions so I have a total of XXXX on my trans union report, can you please also look into this false information that XXXX XXXX XXXX gave me. Again ty
I have settle the amount with the lawyer representing the  XXXX   XXXX   XXXX . I had paid a certified check and it was cashed on the  XXXX  of  XXXX  for the agreed amount.  XXXX   XXXX   XXXX  also reported the balance was still owed and that 's incorrec t. Case No   XXXX  in the  XXXX  Ohio Court. This was a  Home Depot original Citibank, NA
Over the past 4 years I have been lost 3 jobs due to role elimination. Given my job losses my credit became damaged and I was forced to seek a loan from a high interest rate organization ( Spotloan ). My unemployment this time around has lasted longer than anticipated ( 11 months ) and I have been unable to pay back my outstanding debt with Spotloan. 

Today I received a call from a Debt Collection Agency claiming to now own my outstanding debt with Spotloan. The individual claimed to be from a collection agency name " XXXX XXXX XXXX '' the call came in from XXXX XXXX XXXX XXXX. I spoke with a gentleman named XXXX XXXX and he gave me a call back number of XXXX XXXX XXXX XXXX Ext. XXXX. 

I knew that I had an outstanding debt with SpotLoan so I agreed to set up automatic debts to begin paying down the debt. XXXX XXXX was very unprofessional during our first conversation but I accepted the fact that I owed the debt and I just should make arrangements to pay off the balance. XXXX XXXX stated that they only did payments by debit card so I provided him with the necessary information. 

After hanging up with XXXX XXXX I checked my records and determined that the balance he quoted did not align ... I telephoned the company back.. The gentleman who answered the phone did not identify himself as being with XXXX XXXX XXXX he just said " Hello '' when I questioned him about the company he became very rude so I hung up. I than called back and asked to speak with XXXX XXXX directly. I was transferred to XXXX XXXX. I asked him again to provide me with my balance. He hesitated, became very irate and claimed my balance was {$800.00}. Well {$600.00} was the amount of the original loan but I had in fact made payments toward the balance. 

I called Spotloan directly to confirm my balance and they stated their records indicated the balance was {$510.00}. Their records also indicated that the loan was " pending '' sell but they could not tell me at that time who the loan had been sold to. Spotloan requested that I call back next week and they could tell me who the loan had been sold to. 

I called back to XXXX XXXX XXXX, to request a breakdown of how they arrived at the {$800.00} ... Again XXXX XXXX became irate and stated that if I did not want to uphold the arranged {$50.00} bi-weekly payments he would just sue me ... He continued to complain that the " little {$50.00} payments meant nothing to them ''. 

My concern is if this company " XXXX XXXX XXXX '' is a legitimate organization and how can they refuse to give me a breakdown of my balance. The original creditor ( Spotloan ) stated today that my balance was {$510.00}. 

How can I get alignment on my balance and confirm the legitimacy of XXXX XXXX XXXX. I plan to cancel my debit card thus blocking their ability to receive any payments until I can confirm the identity of this debt collector. 

Seeking guidance on this confirmation. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
It came to my attention that my file has been merged with my fathers file which is clearly erroneous. 
I took the liberty of writing to this company on XX/XX/XXXX, with clear instruction differentiating my fathers data with mine. 
our personal info detail differs from one another. 
My fathers name : XXXX XXXX XXXX, My fathers Social security number : XXXX XXXX XXXX, My fathers date of Birth : XX/XX/XXXX. 
This is my information : My names are : XXXX XXXX XXXX XXXX, My social Security number : XXXX, My Date of Birth : XX/XX/XXXX. 
Unfortunately, with all my detailed differences, this company still went ahead and kept reporting both our data merged until now. Yet again the following accounts are not mine and I need removed asap : XXXX XXXX XXXX, CA XXXX This is not my address, please delete XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX- Not mine, please delete XXXX XXXX XXXX XXXX XXXX , CA XXXX Not mine, please delete XXXX   XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX # XXXX Status Updated XX/XX/XXXX Not mine please delete XXXX XXXX XXXX XXXX XXXX XXXX- I dont recognize what this is, please delete asap XXXX XXXX XXXX # XXXX I have no knowledge of this account please delete I am looking at taking legal action if my data is not separated from my data.
I have been contacted by this company twice. They claim to be doing business for a XXXX bill they say I owe. However I have contacted XXXX and have spoken with a XXXX who is a supervisor. He assured me that I will be handling this with them. The total isnt correct. Everything is off. The social on the account doesnt even come back as mine. XXXX has told me to stop all communication with this company as I will be handling it with them. It is now on my credit report by this company and they have no right to report it. I WANT IT OFF and want ALL communication to STOP!!
XXXX & XXXX would not remove these accounts from my credit after doing the online dispute and writing in my dispute. Equifax has already removed these accounts due to an insurance claim. Both of these accounts were joint accounts and the vehicles were not my responsibility : XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax, XXXX, and XXXX would not remove these account after I requested it to be investigated by showing proof of a physical contact that I signed, per the FCRA : XXXX XXXX : Account # XXXX ******XXXX XXXX. Account # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Equifax customer service and online dispute would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX Personal Loans Cos. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX customer service would not remove these inquiries. I never signed any documents stating to have these inquiries placed. <P/>XXXX Inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
The name of the company is XXXX. They have a bill for collection in my name for the amount of {$530.00}. There is absolutely no way that this bill should be this high. That is a huge lie. They are taking advantage of whomever they may. I would settle with them for {$200.00}, plus have them removing the information out of my credit report. These big corporations are like wolves.
Our house was foreclosed on in XXXX, 2009. There was no deficiency on the XXXX trust ( there may have been an overage ). There was a HELOC on the property. It does not show up on a title search. We have been contacted by attorneys claiming to represent the BoA. One of osur credit report shows this debt has been sold. It is showing as fully due on our credit report even though XXXX attorneys have told us that this debt is no longer collectible thru the courts in Virginia. We recently applied for a mortgage and even the loan officer can not explain how this is being represented on our credit report and suggested that we contact you because she ca n't even figure out who we should contact to get it updated to reflect the actual situation.
I hired all state vanlines to move me from XXXX to XXXX in an XXXX wheeler. Gvae them {$1400.00} down. when they showed up on XXXX they were in a rental penske truck ( like a XXXX uhaul ) with another families belongins on it already. I went directly to wells fargo bank across they street and put a stop payment. called all state and they said too bad. I had to leave XXXX of my belongings behind. then i proceeded several times to mail, fax all the documents to wells frago. as of XXXX they are reversing the charges. this is in the handle of XXXX and the attorney generals for consumer fraud. Wells fargo had all the info to make the correct decision and they did not do it. they screwed me too. i am on XXXX and will never be able to replace XXXX out of XXXX pieces of destroyed furniture and they money that wells fargo is reversing will never be able to be repaid.all becuase wells fargo ca n't do their jobs properly
I got a new phone number a few months ago for a cell phone. Nationstar Mortgage XXXX which is a debt collector ) keeps calling the number up to several times a day. I have told them I just got the number, do not know the person they are seeking, and please stop calling my number. XXXX person claimed they put in the system to stop calling me. It has been two weeks or more and they are still calling me. Today A person at Nationstar asked for a woman 's name. I said I do not know who it is and please stop calling me it is harassment. He said he would remove me from the system and started to hang up. I said hold on, I have asked them a few times to do that and they never do. He said XXXX or XXXX words then hung up in mid-sentence. That was XXXX. I called back the number on caller ID and spoke to a receptionist or someone. She put me on hold came back to the phone and said she was adding a note not to call my number. XXXX the same day a woman called with XXXX caller ID displayed. I said hello. She said hello mirroring what I said and same mannerism. I said hello again and she did the same thing again sounding amused. She hung up.
I do not have a contract with this Midland. I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau ( XXXX   ) and  they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
XX/XX/XXXX was my first dispute with the collection agency. I sent a letter XX/XX/XXXX requesting information that proves I owe the debt. I asked for documentation with my signature of the alleged debtor where I promised to pay the original creditor. I asked for a complete payment history on this account, copies of any papers that showed I agreed to pay what they alleged I owe.On XX/XX/XXXX they sent me a validation letter with a generic itemize bill with procedures and charges. They also stated saying that my name and address was correct and the debt belong to me. I sent another letter XX/XX/XXXX stating that they had fail providing me with satisfactory proof and information that I owe this debt. They could not prove I owe this debt and was asked to stop reporting to the credit bureau. I believe the documents that were sent to me is a Hippa violation.
This alleged company has contacted day/evening. Never leaves a message nor identifies who they represent .never a name is rendered just the threat of action of filing papers against you immediately. 
I researched the many nos. that have come thru and established they are allegedly as follow : Patients Account Bureau XXXX XXXX XXXX XXXX, GA XXXX ... 
AKA XXXX XXXX I have attempted to ascertain why they would be calling/emailing me since there are no lingering medical bills in my life! 
A series of nos. have been used : XXXX XXXX XXXX XXXX I have been subjected to identity theft in the past and scams. But again, these calls and emails are malicious otherwise I would not be prompted to contact the FTC Thank you I look forward to your response.. 
Thank you
I went online today to XXXX to check my credit report at Experian 's website. I was enrolled for their credit monitoring service for {$19.00} per month although I did n't want to. I 've always watched carefully so that this does n't happen. They clearly have the website designed to mislead people into signing up without their knowledge. Enrolling in these services should not be automatic because I forgot or did n't see some box at that bottom of the screen to uncheck.
My home was flooded in XX/XX/2016. Flood insurance payments were made for repairs and were endorsed over to the mortgage company to disperse for repairs on the home. The mortgage company turned over management of funds to insurance claim check.com and they continue to delay and stall the process of repayment to me to repay Repair the home. To this date they have yet to disperse any funds to me other than what I have already paid for and will not release funds based on prior agreement of turning in receipts and contractors bids in a timely basis. They continue to change guidelines on release of funds to me which are much stricter than they would in the case of releasing funds to a general contractor there by placing unreasonable burden on me. Each time I attempt to resolve repayment of receipts or contracts I get a different story and continued delays. They also require additional inspections that they would not require with a general contractor. These guidelines or not laid out on their website process section and have not been made known to me until the process is again shut down. In addition they continue to slow walk disbursement of funds even though they have verified all checks were to be overnighted they use instead snail mail. It is my believe at this point that there is intentional slow walking of disbursement of funds to cause further duress on me and my family to repair damaged home. The most recent action of sending reimbursement check for paid receipts has again been mailed through the Postal Service rather than overnight even though I had clarified with two supervisors that all checks would be sent overnight due to the financial stress that their guidelines had placed on my family.
On XXXX/XXXX/16 I filed a dispute with XXXX and they reported that EOS-CCA verified this XXXX XXXX XXXX XXXX debt. Collector was never able to provide debt validation despite several attempts via USPS to retrieve said validation. The continue to verify with the credit reporting agency with no regard for the FCRA and FDCPA. 

On XXXX/XXXX/16 i sent a letter to the CEO of the company regarding their continued verification of a credit reporting agency despite their inability to VALIDATE the debt. No response and they continue to report on my credit.