WillisBack/dataset-financial-user-claim huggingface dataset:
American Express is not reporting consistent information after I 've left their company with a XXXX balance and closed the account. The account still reflects an outstanding balance of the entire credit limit plus residual interest which has since been wiped from the account. 
Please explain to this company that they should not be reporting FALSE information after a customer pays the remaining balance off and closes an account. 

Please refer to the images which go into detail on the payment information as well as the account closed listing. This particular listing indicates that I closed the account with an outstanding balance which is not true.
This is my second case ( first case : XXXX ). TD failed providing a resolution to the previous case I opened. They are unable to justify the remaining balance and on top of that they added late fees and additional charges of XXXX cents daily. Not only TD never sent a bill for the remaining balance, they never told me anything about it during my calls with their customer service. My last payment was of {$1900.00} and was the exact amount they told me it was remaining on my car loan after I made previous payments to pay my car quicker. After that {$1900.00} amount was paid they told me they were going to send the car title but never sent it. I have called several times after that but they never mentioned anything about a remaining balance. I even tried to access my online account but I was unable to login, and when I called to see why I was unable to login they told me it was because mu account was closed because my car was already paid off. TD needs to send me my car title as soon as possible. After months of me requesting my car title they send through CFPB a supposed letter they sent me in XX/XX/2018, and one letter on XX/XX/2018, the, letters that have never made it to my house and I only received them because I filed a complaint through CFPB. Because of their irresponsible customer service, account mismanagement and blatant miscommunication I am unable to get my vehicles title for over seven months now and it seems they have sent my account to collections. TD cant explain where the remaining account comes from, and theyre adding fees on top of it adding insult to injury. They attached documents to the previous case that dont show where that remaining balance comes from even after their Customer Service specified my car was already paid off. They also need to listen to the phone calls from customer service when I contacted them all the times I called where they confirmed my car was already paid off. TD needs to fix this problem urgently and eliminate or erase the supposed remaining balance because there is none existing since my car was paid off as confirmed by the several phone calls I made ( requesting the car title ) and their various phone representatives that spoke to me, and the zero balance on my account when the las payment of {$1900.00} was sent.
I contacted XXXX about this issue, they show multiple inquiries in reference to purchases I made. eg : I purchased a car from XXXX XXXX XXXX ... ..3 inquiries hit my credit record for one purchase. This has happened on many of the items I 've purchased. So now my credit report shows 3 to 1 ratio ( inquiries I made to the ones that actually hit my credit record ) on many of the purchases I 've made. Now I ca n't get credit and my Bank ... ..XXXX XXXX XXXXXXXX is reducing my credit because of these additional inquiries. I 've talked with XXXX  twice about this and they refuse to delete the additional inquiries so that they reflect what actually occurred. They said it 's not up to them? I asked : who then? They said they will drop in 3-7 years ... ... ..not acceptable as I 'm denied credit in the interim. 

There were also several inquiries made on my credit report that I did n't even recognize. They would n't do anything about them either.

XXXX and Experian were contacted because of the same issue and all 3 still report similar information in error.

I make a six figure income, have well over 750 credit score and pay my bills on-time ... .NO LATE PAYMENTS EVER ... ..yet I ca n't get credit ....

What can I do about this legally? Can CFPB help me?
On XX/XX/XXXX, I applied and received a Capital One credit card. When I applied I requested paperless statements. On my records the card had an 18-month no interest grace period. 
XX/XX/XXXX the card charged interest. Upon calling, it came to my attention that the company could not find the original terms and did not provide them to me. The company agreed to waive the interest for that month and find and send the terms. I just received the letter -- it has NO indication of the grace period and no mention of any terms. It looks like a regular account of their fees and other practices. 
I 'm at a loss as to how to proceed.
The name of the company is ERC and they keep calling me after I have asked them several times to stop calling me.They are calling about a relative of mine who does not live with me and is not at my address or my phone number.But they keep calling.The lastest calls all all automated with a message to call them and a reference number thens hangups.
I sent a certified letter to all three credit bureaus, to have an investigation done about this hard inquiry from navy federal credit union on XX/XX/18. It's been well I've r99 days and I've heard nothing yet. Which violated the FCRA, law that credit bureaus must report accurate information and respond to consumers within a timely manner. This hard inquiry has caused a great hardship on my life i've been denied home loans and credit and my credit scores dropped drastically because of it.
My account was hacked, I could see where money was moved around, insuffient funds were reversed, and items that was paid was reversed. The Chase Bank said that I owed them {$3000.00} plus dollars, I went to the bank two times, they told me on both times that I owed the money, I asked if I could make monthly payments, they told me no, I had my pay check and my social security checks going to the bank, Chase took both my checks, I had to borrow money from a friend to pay my rent so that I would not be homeless. I changed banks after XXXX XXXX, 2017, Chase said I still owe them {$130.00}. I am XXXX years old, it is really said when people can work with a computer and move your money around, very scary.
When checking my credit report I found that I four negative marks for a late payment of my student loans with XXXX XXXX in XX/XX/2018. This was the first time I was made aware that I had a delinquent payment. When I made the student loan payment to XXXX on XX/XX/18 I received confirmation of my payment and went on with my day. 

Due to a banking routing number error the payment I had made was reversed, and I quickly amended it upon receiving a phone call from XXXX and logged in to pay my loans. I addressed the technical error and the payment was made. I was never told that this was seen as a delinquent payment or a default. It was not sent to collections and in my history of the loans, this was the only error in payment made in 12 years. 

I opened a dispute onXX/XX/XXXX with XXXX stating that, although it was four loans, it was one payment that encountered an error and that the payment was paid in full and was not in default. I asked for these four late payments to be taken off my record. I included proof that I had received an initial confirmation of it being paid in XX/XX/XXXX prior to the bank error. The dispute was closed without any resolution except for a statement that two of the loans have since been fully paid. Unfortunately their dispute results online portal is not functional and I have had no ability to actually view the results aside from two separate conversations with agents that have resulted in additional confusion and frustration. 

I reopened the dispute ( ongoing ) on XX/XX/XXXX and called XXXX XX/XX/XXXX and spoke with a customer service representative who stated that because there are 4 loans they count the payment error as four delinquent payments and that they do not engage in disputes and will only send that the payment was late. The customer service agent was rude and unhelpful and refused to work with me or assist me with the dispute process, stating that despite a technical error with a routing number it is considered late. I noted to her my 12 years of payment history and she said that those payments don't make a difference. 


My reason for this dispute is : -I received a confirmation that my XX/XX/XXXX payment was paid -The missed payment due to the routing number error did not go to collections and was in fact, paid and currently two of the loans are completely paid -Showing up as 4 separate, negative marks is unreasonable given that it was one payment ( XX/XX/XXXX ) -Their attempts to reach me on this bank routing error were minimal at best and when i was reached I quickly made the payment -They are unwilling to support their customers financial needs, despite a twelve year history of having made payments -This is the ONLY late payment on my entire credit record, and due to a technical error in the routing number
I recently checked my XXXX credit report and I notice that there are 8 unauthorized inquiries listed on my report. The only one that I am aware of and take responsibility in authorizing would be the XXXX inquiry made on XX/XX/2017 for a personal loan that I currently have with them. The other seven especially the inquiry from XXXX XXXX XXXX XXXX, I did not authorize. With XXXX XXXX XXXX XXXX they could not run my credit with my understanding due to me not having any identification to identify myself. I had forgotten my driver 's license and was refused service when I made them aware of having no ID on hand. XXXX customer service representative had no right to submit my application if it was not complete. Credit Technologies, XXXX XXXX, and XXXX XXXX are companies that I have never heard of nor would allow them to have access to my personal information such as my social security number to pull any information about me. I did not sign anything from the list of companies I just mentioned.
What happened is that I bought the debit card to make a {$100.00} donation online. I loaded the card at XXXX. It is card ending in XXXX. Expiration XX/XX/XXXX. I noticed that on the back of the card it states : * No credit check. Clear, Easy to use and Simple. Buy online.. XXXX  prepaid Crd Reloadable.

This card can not be used until purchased, loaded and activated. Flip open to see fees and more. I thought I would be able to donate online and not have any issues with this card because of the verbage of having no fees and no hidden fees.

I spent about 2 hours on the phone trying to decipher why my card was saying deficient funds to the Orginization that I was trying to donate to.

I found out that there were hidden fees involved. At first, I feared someone had stolen my {$1000.00} off the card! The Agent and her Supervisor explained that there are , {$2.00} fees every time I use the card. Then I was informed that I had to go to a Loading Station.

I was furious! I told the Supervisor to refund my {$100.00} to me in the mail. Then she said, there was another way she could help. This was at or about the 2 hour of continuous, precious, time I was spending on the phone, trying to resolve this issue.

I am requesting a {$100.00} check be sent to me. I want to shut this card down. I still don't understand all the associated fees with tthis card. I don't understand the requirements to not have fees assigned either.
EQUIFAX IS SHOWING XXXX XXXX ON MY CREDIT REPORT TWICE ONE HAS A XXXX BALNCE ONE HAS A BALANCE OF XXXX. SHOULD ONLY BE 1 ACCOUNT XXXX  BALANCE. PLEASE REMOVE THE 2ND ACCOUNT ONLY 1 ACCOUNT WITH CREDITOR. XXXX XXXX IS SHOWING INCORRECT BALANCE. BALANCE IS XXXX THIS WAS PAID THRU A 3RD PARTY COLLECTION AGENCY PLEASE VERIFY WITH COMPANY. XXXX XXXX IS SHOWING 120 PAST DUE THAT IS INACCURATE INFORMATION PLEASE CORRECT. O DAYS PAST DUE.
My  Citibank Master  card ending in  XXXX  was used for a purchase on  XXXX   XXXX  on   XXXX / XXXX /17 for  a flight from  XXXX  to  Puerto Rico  by  XXXX   XXXX  for  XXXX . I am not this individual or know anyone by this name. I did not authorize or have any knowledge of this purchase. I found it on a routine check of my balance about one week later. I reported this to Mastercard and they closed the account. However, I have not been give credit for this fraudulent charge. I was given a " provisional credit '' and then  Mastercard  revered the credit by recharging the  XXXX  to my account. I have called  Citibank Mastercard  5 times and told that this would be resolved. It remains on my bill.
I have asked XXXX XXXX XXXX 3 times not to call my work # but they continue to call me daily. I have not answered the last couple times. I risk facing disciplinary action from my employer for personal phone calls or avoiding incoming calls.
Debt was written off. Company purchased debt that I do not owe. I have no agreement to pay debt with a company I did not assume debt with. Repeatedly call asking for payments and money while refusing to give information as to who they are.
I have filed multiple disputes with Equifax along with copies of my identity theft report, proof of where I have lived for 4.5 years on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 and they still continue to say I am responsible for a debt that is on my credit report even though again, I have told them and given them documentations that show that I am a victim of fraud. The amount of the fraud is for {$6200.00} with XXXX XXXX via XXXX XXXX XXXX XXXX who is also not giving me proper documentation so that I can have this fraudulent account removed from my credit report. The proof I have given them should be plenty sufficient to prove that I am not the one who rented this apartment and that I am a victim of identity theft.
Hi I recently contacted them to removal my hard inquires. They FAILED to provide proof these records are factual. I contacted each company they said that it was removed however the credit bureaus aren't removing them. I also have proof they requested it too be removed. I am a victim of fraud and I put a freeze on my account. Some of the inquires are wrong social security and some are over two years old. They don't want to help me because they PROFIT off bad credit and refuse to help me they keep sending me FACTUAL reports. For example XXXX pulled my credit four times and even XXXX said XXXX XXXX  did not respond so it's not my account all credit inquires should of been removed. This was in XX/XX/XXXX they still haven't removed all of my hard inquires and I sent them all th information
On or about XX/XX/18 I noticed my XXXX XXXX checking account was overdrawn a little over {$900.00}. A review of the debited amounts showed I paid Chase Bank Creditcard {$3700.00}. This is incorrect. I paid {$170.00} on XX/XX/18. When I called Chase, I was told it was a " posting error '' and they would reverse the amount, excluding the minimum payment due of {$160.00}. I then called XXXX XXXX and explained what happened. They had taken funds from my checking, savings and a XXXX XXXX credit card to satisfy the {$3700.00}. In addition, they charged a number of overdraft fees for this and other automatic payments that I have set up for various bills. XXXX said they would initiate an investigation. A few days later I received a letter, dated XX/XX/18 from XXXX ( copy attached ). I thought the matter was resolved until I received the attached letter from Chase dated XX/XX/18. I called them & spoke to XXXX at the number listed on the card. He transferred me to a Supervisor named XXXX in XXXX, Florida, who told me they returned the {$3700.00} twice, in error. The problem is I only see one refund amount for {$3700.00} on my bank statement. I don't know where they sent that money, but it wasn't to me. In addition, they've added that amount to my balance and now show that I owe {$7300.00}, which is over the card limit of {$4000.00}. 
Any assistance you can provide would be greatly appreciated.
Discover card someone opened a secured card in my name I never authorized it and they won't remove it
COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Rossman & Co, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Rossman & Co tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Rossman & Co was update to XXXX and XXXX credit bureaus as a verified account ; Rossman & Co placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Rossman & Co and XXXX XXXX ; I have never received any validation letter from Rossman & Co prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Rossman & Co actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;
I received a notification from XXXX credit monitoring service that a credit report had been pulled by Wells Fargo on XXXX XXXX, 2016. I called Wells Fargo with XXXX on a XXXX party conversation on XXXX XXXX, 2016 at XXXX XXXX talking with XXXX from Wells Fargo who transferred me to XXXX XXXX XXXX where it dropped off several times. We tried again at XXXX XXXX and after discussing for approximately XXXX XXXX was advised by the Wells Fargo representative that I needed to go to a local Wells Fargo bank and deal with it. So I went to the bank where I had an account several years ago located at XXXX XXXX XXXX XXXX in XXXX XXXX CA at XXXX XXXX and met with assistant manager XXXX who after looking in her computer assured me that no bank accounts or credit cards had been opened using my information. I have received no bill for this, however I am disturbed that XXXX would have received a hit if nothing was opened. I have been noitified by XXXX about 26 times before without a false alarm. I do not know weather the hit was for savings, checking or what because Wells Fargo denied having anything to do with a credit report being pulled. I selected a savings account in the field below because that was the closest option and I had a checking and savings account with them prior. Also I would like to add I only had an account with Wells Fargo because they took over my bank that I had signed up with originally, XXXX XXXX Bank.
I received a call XX/XX/19, at XXXX XXXX  to my do not call or text cell phone ( XXXX ) XXXX from a caller ID hidden number. The caller represented herself as member of the XXXX County District Court. She requested that I have a relative call her immediately regarding a fraud case and told me that my son XXXX XXXX XXXX as well as me, XXXX XXXX XXXX may be called to the court in the fraud case. She told me to have the relative call XXXX ext XXXX and gave me the name XXXX XXXX. I called the number given and connected to a voicemail. I told them I would be reporting XXXX because of the misrepresentation and they have no right to contact me regarding a debt collection that is not mine. I directed them not to call me again. Almost immediately, XXXX called me again, twice, which I did not answer. I was left a voicemail to call them and talk. XXXX reported the true phone number as XXXX. I have kept the 27 second voicemail from XXXX.
I have tried unsuccessfully to get Navient to lower my payments without any success.My payments are {$700.00} a month. I {$2000.00} before taxes. I have cosigners and they have been after them to make the payments. I am able and willing to make payments but not {$700.00}! My mom has been helping me out for the past few months. Her house burned last year and with the insurance money that she was to used to replace items in her home, she gave to me. I have called Navient numerous times asking for a reduction in payments and their only answer is my cosigners. Neither of my cosigners are financial able to help and both are retired.
XXXX and XXXX XXXX is reporting derogatory marks on credit reports. On XX/XX/2018 I sent full payment for the balance of my pass due accounts to : Source Receivable Management in the amount of {$380.00} and XXXX XXXX XXXX in the amount of {$110.00}.
I submitted an application for  Public Service Loan Forgiveness ( PSLF ) to FedLoan Servicing. I have not been credited the correct number of payments for my current employment. I called FedLoan Servicing and was informed that I was not eligible for PSLF with my current employer (   XXXX   XXXX   ),  which is why my payments are not credited. However,  3 payme nts for  XXXX  loan and  2 fo r the other were credited according to the statement I received. It does not make sense why there would be differing numbers of qualifying payments.     I am also confused as to when I entered into a qualifying payment plan  for PSLF as the National Student Loan Data System only has information for my current repayment plan.
I had a prepaid phone in   XXXX  . Through  XXXX   XXXX   XXXX . It was {$60.00}.      XXXX  claimed when I discontinued the service that I still owed them {$60.00}. Which under a prepaid plan is impossible because it is pay in advanc e. Service ca n't be p rovided without payment.     I make a significant annual salary, but I refused to pay this because I felt it was a large company abusing their power and that they 'd normally succeed because no one would know how to defend themselves vs a big company.     They put me in collections and just this year almost 4 years after the issue. my credit rating was hit for  XXXX  points.     I spent the last 8 years of my life never missing a payment from any creditor and paid several  XXXX   XXXX  in bills only to get an  XXXX  credit rating ruined by  XXXX  over a {$60.00} bill.     I think that is ridiculous that companies can have this level of control in a dispute.
After reviewing my credit report I noticed an inquiry on there being reported by this company in which I have disputed them and put a fraud alert on my account as well with the credit bureaus & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX XXXX on my XXXX credit report. Regarding the following inquiry < XXXX XXXX XXXX from XXXX XXXX, 2016 > I have disputed this unauthorized inquiry for several months with no help from the company or XXXX. I have NEVER applied for credit online or in the store with this company. I have had no response from certified letters sent to XXXX XXXX. I called and spoke with XXXX in their credit department and she advised me to fax over the information that is reporting inaccurate and they would delete it. As of today, it is still reporting. This is an UNAUTHORIZED inquiry. I am demanding this unauthorized inquiry be deleted from my credit file immediately!