WillisBack/dataset-financial-user-claim huggingface dataset:
Equifax and XXXX have refused to remove a Medical debt account from my credit reports with them, even though the account was listed as a collection accounts less than 180 days since it 1st became delinquent. The account is from XXXX XXXX XXXX ( reported via XXXX XXXX XXXX ) for {$4.00} and 1st became delinquent onXX/XX/XXXX. The account was published as delinquent and a collection account onXX/XX/XXXX, for a total of 173 days since 1st delinquency. There was a miscommunication with insurance but this debt has since been paid. I tried to dispute this account with Both credit reporting agencies ( Equifax and XXXX ) but they refuse to explain why they are still listed and have not updated the actual dates of 1st delinquency and date of 1st report as a collection account.
There are a couple items that should not be listed on my credit file which are XXXX XXXX # XXXX - See attached deletion notice, remove this item per the company they sent a deletion notice and it is still on my credit file XXXX XXXX # XXXX -Company stated they requested a deletion why is this still listed on my report
I have contacted the Credit Reporting Agencies about the hard inquiries on my credit report and have been told to contact the companies who requested the report and to have them deleted. I called XXXX XXXX XXXX XXXX and have been told they do no delete hard inquiries even though I did not authorize the inquiry. I called back Transunion to advise them of the statement from XXXX XXXX XXXX XXXX. I have disputed and written letters and I have been continuously told by Transunion the hard inquiry will not be deleted even though I did not authorize anyone to check my credit file. I am asking for your help because I am given the same answer which is not fair to me as the credit when I did not not ask for the hard inquiry with XXXX XXXX XXXX XXXX. I have continued to request a deletion to no avail. Please advise if you can assist me with this.
My loans ( XXXX & XXXX ) were originally with XXXX XXXX XXXX XXXX XXXX until they went under and were sold to Franklin Credit Management Corporation who is the servicer for XXXX XXXX, XXXX. I fell behind on my payments on my second mortgage and applied for a loan modification and sent in my documents. I received notification from XXXX XXXX XXXX that I was going into foreclosure and the Trustee was The XXXX Firm. After researching I located the Substitution of Trustee which was dated XXXX/XXXX/2015, however, this document was not recorded until XXXX XXXX, 2015, Three months later, additionally, there was no evidence that notice of the substitution was sent to me as required by law. The Notice of Default stated as of XXXX/XXXX/2015 I owed {$75000.00}, the Notice of Default was recorded on XXXX/XXXX/2015. I am questioning the validity of the Notice of Default, also, who was my previous trustee prior to the XXXX Firm, since the loan was transferred a couple of times.
EQUIFAX IS CHARGING ME TO FREEZE MY ACCOUNT TO FIX THEIR MISTAKE!
My name is XXXX XXXX and my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX was wrongfully foreclosed on XXXX/XXXX/2016 while I was in the middle of working out a modification with US Bank. I do believe the lender violated my homeowner bills of rights by engaging in dual tracking and never been able to speak to my single point of contact at the lender, now i am homeless with no where to go and are currently been evicted.
I have been a victom of identity theft. I submitted formal letters to the bureaus XXXX XXXX, 2017. I included a police report, an FTC affidavit, a utility bill and my necessary drivers license and social. XXXX and XXXX removed this fraudulent item. XXXX also removed it. As of yesterday, XXXX XXXX, 2017, it has appeared back on my report for XXXX. I called and asked why it was back on there. I was told it was never taken off ...? I asked why it was on there and they other fraudulant charge from the same company, same acct number for just a different amount, was taken off but this one wasnt. I was told by XXXX that the lender confirmed it was my account. I asked if the lendor provided them proof it was mine. And if I was mailed proof it was mine? I was told no to both questions. I informed her it has been over your 30 day alotted legal amount of investigation time and you must remove this fraudulent item. I was told they would not and would submit it for reinvestigation. I replied, '' this is NOT the law '' I am trying to get a home loan and your errant posting of this item has hindered me. The law says that you must remove it after a 30 day investigation if you can not provide proof it is mine.
Had to dispute a charge on my bank account for Key Bank and they said they sent me XXXX letter for the dispute. I never received it so now they overdrafted my account and put me in the red. Now they wont reverse the charge which they screwed up. I moved and the letter never arrived so I would like this reversed and an apology from the bank
I have called American Credit Acceptance and spoken to 3 different account representatives ( its all on their recorded phone line ) to tell them they have not reported to the three credit bureaus ( XXXX, XXXX, XXXX ) in over three months. The information regarding my account is incomplete and inaccurate. As a result of them not reporting my credit scores have not raise to reflect my payments. I have been making payments before their due dates every month and have not gotten any credit for it on my credit report, as they have not reported, " pays better than agreed '' or anything since XX/XX/2018. Per 15 U.S.C.1681 ( FRCA ) American Credit Acceptance is willfully violating the fair credit reporting act.
I first learned of the debt of {$130.00} on XX/XX/XXXX from Transworld Systems Inc., that I did not know I owed. They immediately put this debt on my credit report prior to my knowledge of the debt. I tried to pay the debt and inadvertantly dated my check XX/XX/XXXX instead of XX/XX/XXXX. They returned the original payment slip with my check to my son with a letter stating he owed $ using the same account number. According to the original account at XXXX XXXX my son was XXXX at the time this debt occurred. I am not exactly sure what they are trying to do but I am sure they can not go after XXXX different people for the same debt. I also do not believe they followed proper procedures prior to reporting anything to my credit report.
I made a payment on a {$69000.00} loan of $ XXXXXXXX3.62 % they applied {$960.00} to finance charge and {$230.00} to principal. This is wrong. I called and was told they will look in to it. My first call was XXXX/XXXX/15, they have still not resolved this. I do n't know who this Co is Specialized Loan Servicing LLC, they said they got this loan from XXXX XXXX XXXX XXXX to witch I have been making payments for several years.
I would like to report this company Core Advisory Group XXXX, LLC out in California has scammed me out of {$2200.00}. My property just got foreclosed on so I contacted Core Advisory to seek help to see if they can reverse the sale of my home. I spoke with XXXX XXXX who promised me the world to convince me hire them. I had explained to XXXX XXXX XXXX that the lender had offered me a " cash for keys '' settlement of {$2000.00} if I agree to move on within 30 days. XXXX XXXX XXXX informed me that he can get me a better larger offer and the way they will do this is by filing complaints with the government agencies to force my lender to give me a better " cash for keys '' offer than {$2000.00}. He also told me the complaints can also force them to get me into a rental agreement where I can just lease the property and not have to move out. For me to do this it would cost me {$1600.00} upfront and {$500.00} per month for the next XXXX installments. So I signed up with them on XXXX/XXXX/2016 and paid Core {$1600.00} upfront. After I paid them, the only communications I got was from their paralegal XXXX who advised me to file for a Chapter XXXX bankruptcy and stated that is the only way to buy some time. So she went ahead and prepared the bankruptcy papers for me and provided me instructions on where to file the bankruptcy petitions. I am disappointed to learn later that the bankruptcy I had did little to any effect as it only delayed my eviction for only a few weeks and I ended up receiving a notice from the XXXX stating " writ of possession '' and I will have to vacate in 30 days. Not once during this whole process did I see them file any complaints on my behalf to my lender and no negotiations with my bank ever took place. It was all a lie and a scheme to get me to pay them upfront to get no where and to make the sitatution worst, the offer from my lender of {$2000.00} to relocate has now been taken off the table so not only did I ended up having to fork up over {$2100.00} in thinking I would get a better cash for keys offer and now I 've lost the {$2000.00} offer that my bank originally offered me to move out. This is a scam. I want my money back in full. They ruin everything for me. I was also advised that I was given legal advice to file bankruptcy from a non-licensed attorney so they also was practicing law without a license. This company needs to be shut down. I later went onto their website to find the address, and they have taken down their website. There is no contact number but a messge stating they will no longer take new businesses. Now that is just proof that they are just out to scam people and disappear on them. I hope you will find this guy and put him away for good. Please help me get my {$2200.00} I paid to them, they did nothing to deserve that.
We purchased our home located in XXXX, Washington in XXXX of 2010. The title search revealed no outstanding mortgages on this property, so the previous owner, XXXX XXXX, walked out of the title office with a check for the full proceeds of the sale. 

Shortly after we moved in, XXXX began leaving envelopes on our doorstep addressed to the previous owner that came from XXXX home retention department. We immediately contacted XXXX XXXX and they reran the search and again came up with no record of any liens on our property. 

Several months passed and notices began to appear at our door to contact Green Tree Servicing. Unfortunately I was told that unless I had permission from the long since vanished previous owner, they would not talk to me. I did have XXXX representative at XXXX time tell me that they owned our home and that we should contact XXXX County and ask them about the missing deed of trust. 

I contacted XXXX XXXX and they agreed to open a claim against our title insurance in case Green Tree attempted to foreclose. XXXX further research revealed that an out of state title company recorded the deed in XXXX County, making it null and void according to XXXX claims attorney. A phone call to XXXX County also revealed that XXXX County notified the title company, but this title company failed to refile in XXXX County. The State of Minnesota eventually shut this title company down. 

We then began to have representative from Green Tree 's local foreclosure contractor ( XXXX XXXX ) ring our doorbell asking for the prior owner and leaving the same " contact us '' pamphlet behind. Eventually they quit showing up and no foreclosures were initiated. 

Apparently Green Tree has n't completely given up. For the past several years they have continued paying half of our property taxes. Our own bank pays the first installment and so does Green Tree. I contacted the County to find out who has made this year 's first tax installment and it once again was Green Tree Servicing. XXXX XXXX still has an open file, but Green Tree refuses to talk to them as well.
Equifax and  XXXX  are not responding to my requests to investigate and remove one account from my credit report that does not belong to me.
XXXX XXXX is hitting me with 2 hard inquires for XX/XX/XXXX and XX/XX/XXXX. I should only be hit with 1 inquire as both were done on XX/XX/XXXX. The confusion is it took an additional day to process the other part. I have spoke to them on the phone around XX/XX/XXXX about the situation and they agreed to remove the Inquiry on XX/XX/XXXX. 

Since than I have noticed no changes and I have put in 2 separate cases/complaints about the matter which both have passed the 30 day rule. 

I than called up XXXX XXXX again and they were unsure what to do and could not find my agreements in the files. I just hope they follow there original agreement as I have been a good cardholder with there company and plan to continue to be.
To whom it may concern, Thank you for taking the time to read my comments and concerns. I am currently a XXXX XXXX customer of over 15 years in total dating back to the account that this letter pertains to. 

I am reaching out to the CFPB in the hope that they may assist me in finally reaching a resolution to my unique situation. 

My previous account was sent to collections on XX/XX/XXXX because there was a dispute on my behalf of the total charges of {$1800.00}. I was willing to pay the total amount due at the time but naturally, I needed a more detailed explaination from a Representative explaining to me how the bill became so high.I didn't receive enough information to verify debt. After several months of back and forth with my Unresolved matter and unanswered questions the account was sent to collections without me being aware of this action taken against me. If I knew that XXXX was going to send the account to collections I would have just paid the entire amount reluctantly.I didn't receive notice of my right to dispute. Fast forward to XX/XX/XXXX, I was contacted by a Collection Agency ( Diversified Consultants ) that is hired by XXXX XXXX that said they represented you as theyre client and as long as I secured payment with them in the form of a settlement for the amount of {$750.00} that they would notify XXXX and that my debt would be settled and all negative remarks removed/deleted from my account and credit reporting. Sounds good right? So I pay and Im under the impression that all is well. Fast forward some more to XX/XX/XXXX Im currently in the process of refinancing my home Loan and have been going through the steps with my lender. To my surprise I was notified that I still have XXXX XXXX showing as a collection on my credit report from a couple of years ago. The report shows that the account in question has been settled for less than full payment and the account has a zero balance but it has not been deleted/continuing to report. 

After calling XXXX XXXX customer service representatives numerous times last week and spending hours explaining my story to several people I have been unable to get this resolved. I dont know what else to do and if Im not able to refinance my mortgage payment with my lender ( XXXX XXXX ) XXXX XXXX , I could be in jeopardy of losing my home entirely. I feel there has been inaccuracies with This credit reporting from the beginning and I cant stress enough how important it is to my Family that I be able to have this resolved. Please please reach out to me somehow so that we can discuss this further. 

I appreciate you so much for reading this as I know you must have more important things to attend to.
XXXX has stolen my identity and is continually running credit check EVEN THOUGH I HAVE NOT APPLIED TO THEM OR THEIR AFFILIATES FOR CREDIT. THESE INQUIRES ARE ILLEGAL ACCORDING TO THE FCRA ACT AND I WANT THEM REMOVED IMMEDIATELY. They APPEAR to be doing this to hurt my credit and by continually doing it they are trying to force me to put fraud alerts on my credit report when they are the ones committing the fraud. The FIRST TIME, though suspicion of an inside job I filed the credit report and as soon as the 90 days was up the started again and keep doing it. THE RUNS ARE NOT ACCURATE REPORTING BECAUSE I DIDN & # XXXX ; T AUTHORIZED THEM! I want this to stop and I want it to stop IMMEDIATELY as they were just fined for this very violation. As part of your & quot ; investigation & quot ; please also request the ip address of the supposed application. From the application you can see that no application would submit lacking this much information AND they are using my address which would defeat the purpose of someone trying to get a credit card sent to them. I am being violated and my credit run illegally. MAKE THEM STOP PLEASE! I could NOT submit this information through the " upload '' even though the file was small enough and the person assisting me on the phone said that " any company can run your credit report for business purposes '. and I KNOW THAT THIS IS A LIE. The credit report could be run as part of a backgroud check for a job or as was indicated by the denial letters IF I AM TRYING TO OPEN OR APPLY FOR AN ACCOUNT! I DID NONE OF THAT and per the FCRA these inquiries are ILLEGAL and for the Experian to say otherwise needs to be reported. In addition, I 've found that XXXX has a habit of doing this and just had a class action as a result. It is as if as soon as they closed the class action they started again the illegal pulls using XXXX as a source!
My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,
This XXXX XXXX XXXX was included in Chapter XXXX Bankruptcy discharged on XX/XX/XXXX I recently learned the debt has re appeared as a derogatory account still owed on all three credit reporting agencies on both mine and my wife 's credit reports, even though the original account was in my name only. Both names are on the discharge. Then on XX/XX/XXXX I received a collection notice from Diversified Consultants claiming the dept is now owed in the amount of {$860.00}. It appears to me that XXXX and the collection agency may have assumed the discharged debt would not be noticed, in an attempt to repost and collect the debt illegally. 

The collection agency ; Diversified ConsultantsInc XXXX XXXX XXXX XXXX Fl XXXX
We respectfully request a copy of the call transcript between myself, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX from XX/XX/2016. 
I requested XXXX XXXX make sure to document the conversation. XXXX XXXX advised that the call is recorded and can be reviewed if the information does not make the file. On this call, XXXX XXXX was reminded of our meeting of XX/XX/2016 and blames XXXX XXXX XXXX for alleging that XXXX can not mark our credit for 45-60 days. 
On XX/XX/2016, I went to the BBVA Compass location off XXXX. in XXXX, TX. XXXX XXXX so happened to be at the location. We met to discuss the refinance and to determine if we were moving forward. I advised XXXX XXXX that we either move forward or we were walking away from the refinance. XXXX XXXX did not want to see all the work and costs be for nothing. 
In this meeting, I questioned XXXX XXXX in regard to our XX/XX/XXXX payment to XXXX. I advised XXXX XXXX we did not want a late payment on our credit as we wanted to avoid hits to our credit. I also informed XXXX XXXX that I did not want to make the payment if I did not have to. I advised XXXX XXXX we had no late or missed payments on our credit and we wanted to keep it that way. XXXX XXXX then left the room. Upon his return, XXXX XXXX 's response was " Do not worry about the XX/XX/XXXX payment unless I tell you to make it. If you make it, it will delay the close. XXXX can not hold it against you since they know about the refinance. As long as we close by XX/XX/XXXX, you will be fine. '' XXXX XXXX XXXX was in the office when I was told about the XXXX day hold on marking our credit history. XXXX XXXX admitted to XXXX XXXX, according to one of my conversations with XXXX XXXX in XX/XX/XXXX, that he did in fact tell me not to worry about the XX/XX/XXXX payment. I was informed XXXX XXXX coached XXXX XXXX on how to handle a similar situation in the future. XXXX XXXX and XXXX XXXX both apologized that not all options were presented to us. 
At this point, XXXX XXXX " does not recall '' many things he has told us. Self-preservation can make you distort the facts. 
The late payment is not a reflection of how we handle repayment of our bills. This is evidenced by our prior payment history and the approval of our refinance by BBVA Compass Bank. 
All 100 % of the blame for this falls on XXXX XXXX 's shoulders. The representation he provides to customers for BBVA Compass Bank falls short of anyone 's expectations. XXXX XXXX XXXX XXXX has the sole liability of this situation. He has the ability to be honest and admit his mistakes but is in self-preservation mode. 
We would like to put this incident behind us rather than being forced to take legal action against both BBVA Compass Bank and XXXX XXXX XXXX XXXX. I have attached our documentation and can provide additional texts between XXXX XXXX XXXX and myself, if necessary.
I am trying to apply for financing for a home and there are items listed that do not belong to me. I have a feeling Experian has merged my credit file with someone else. There is an inaccurate social listed XXXX which is NOT mine and a name I have never used XXXX XXXX. I do not have or ever had a XXXX XXXX account # XXXX or a XXXX # XXXX showing or a XXXX credit card for {$250.00} # XXXX on my credit file. This situation needs to be resolved ASAP. I also have submitted a dispute by mail.
My name is XXXX XXXX. I am a XXXX year old widow and surviving spouse of XXXX XXXX. 

We had a Reverse Mortgage but I was not on the deed, yet this was my homestead for over 35 years. 

I was forced into bankruptcy and finally given time by the courts to take my homestead through bankruptcy. 




My husband passed XX/XX/XXXX. It took Financial Freedom until this year to realizethat I was the surviving spouse although it was listed on the death certificate the entire time as I had mentioned. 




My home was flooded and bathroom damaged. I do not have a fully functioning bathroom. 

Mold is growing in my home because of this, The XXXX/Financial Freedom received theinsurance check in XX/XX/XXXX. I was told that I had to go through probate first. 

I wrapped that up in XXXX. I was told that the XXXX check was mailed out on XXXX XXXX via regular mail. 

As of XXXX XXXX, I have not received the {$2000.00} installment of {$6000.00}. I owe contractors because the job is more than the {$6000.00}, but I have started making payments on the difference. 




My home is making me sick and this matter has stressed me out beyond measure. 

I can not have my home refinanced without the bathroom completed. I have been trying to resolve this matter. 




I have spoken to numerous individuals in the point of contact department. 

I have spoken with XXXX XXXX of the XXXX have emailed his manager, XXXX appears as if I am intentionally being dragged out to wear me down towards the XXXX XXXX sale date. I do n't want to re-file bankruptcyI am contacting the OCC, AARP, The Florida Financial Office of Regulation for Insurance and anyone else who can help me. 




I am desperate. I live off of fixed income, my husband 's social security and I work to make ends meet. I am XXXX years of age and I need help. This is not fair to me. 




Sincerely, XXXX XXXX
They are reporting on my loans now for 15 years which is far beyond the maximum credit reporting limit and XXXX claims it will be on for another year and a half?
Midland Credit Management PH : XXXX attached my bank account with no notice to me on a debt that is at least 7 years old. I had gotten no notice of a court date ( if any ) or that they were attaching my bank account!!! I only found out by trying to by fod at the store and my debit card would not work!