WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  and Experian are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted  XXXX   XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.
Initiated new mortgage application for $ XXXX in XX/XX/2017 ( as a prior mortgage customer and had existing equity line ) with Nationwide Advantage. We had $ XXXX to rollover from the sale of our previous home. Our credit score is XXXX. Initial application process went well. Then the process fell apart. Our loan ap was assigned to a rep that then left for a one week vacation and was not available to assist us. The online DocuSign process required submitting large financial documents, which we completed. The file was large and was submitted as a XXXX doc. They were unable to process. Then the DocuSign deadline expired and our on-line application was cancelled. Repeated calls requesting a callback from a loan officer or supervisor went either unanswered or required a second call and were very delayed. Requested the application docs be fed exp to us so we could send back via fed exp. The docs were never received. After several frustrating weeks, we requested our application be cancelled. Had to request multiple times to get our application fee reimbursed. 

Then we paid off our equity line and ceased any business with Nationwide Adv. Come tax time, our XXXX was supposedly mailed to our old address and returned. I called and gave new address and was told 7-10 days to mail. After two weeks, still no XXXX. Called again and requested it be emailed. Told 3-4 days. After XXXX week, still no XXXX. Finally received in the mail after 3 weeks and it had again been mailed to our old address. Amazing they stay in business. Our experience very disappointing and frustrating.
After we made arrangements they still call everyday and week and keep calling till we answer! They call my house then my cell phone right after then I get a email also then text messages and voicemails! I do n't know what to do I 'm so stressed and we are only XXXX payment behind! Please help!
On XX/XX/XXXX, I received confirmation from XXXX that a buyer in XXXX won the bid for my XXXX XXXX. The posting had a no return policy. I received an email from PayPal confirming the payment. On XX/XX/XXXX, I shipped the phone to XXXX. The buyer refused the phone because they did not want to pay the custom fees. They requested a refund through XXXX, which I refused at the time because I did not have the phone. I asked XXXX what were my rights as seller. They stated I could give a partial refund, a full refund, resent or whatever I chose because I handled my responsibilities as the sell. They then requested a refund from PayPal. At that time the phone was still in transition and I declined. PayPal sent me an email stating the case was resolved in my favor. I received the phone at a later date. I communicated with the buyer and asked them what would they like to do. They stated they wanted the phone and requested I put it for a lower cost due to customs. I advised them I could resend but they would have to paying the shipping cost to resend. I was unable to get in contact with the buyer on PayPal. On XX/XX/2018 I checked PayPal and see my account is a negative XXXX and I only received {$850.00}. I contacted XXXX for the refund for my listing and PayPal to dispute the amount my account was being deducted and to offer a partial refund to the buyer. PayPal refused to give any credit even after deciding in my favor or only charge me the amount I received. They stated my case was closed and they refused to reopoen. However, I also received an email from them stating I had to XX/XX/2018 to dispute. And now they are refusing to reopen or create a case on XX/XX/2018.
My wife and I both have " excellent '' credit ratings with all three credit reporting companies. However, both of our XXXX credit reports include the following new inquiry : MICROBILT XX/XX/2018 Collection Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX We have never had any accounts, business or contact with " microbilt '' that would permit them to legally seek access to our credit history, and we have not authorized any credit inquiry by them. I recognize what a " Collection Reseller '' is, and we have no delinquent accounts, nor any accounts in collection. 
I attempted to file a online dispute with XXXX, but their online dispute process has responded " temporarily unavailable '' during multiple attempts per day over four consecutive days. Neither of our XXXX or XXXX credit reports reflect this inquiry, so I am unable to file a fraud alert with either of those credit reporting companies. 
I attempted several times over the past week to phone Microbilt at the number provided in their inquiry ( above ) and the phone quickly went dead without being answered, until I was finally able to leave a voicemail message today ( Sunday ). 
This inquiry is a fraudulent post of false negative account information that damages our credit standings. Additionally, it was used to obtain illegal access to our my credit files. We are concerned that this unauthorized access will lead to identity fraud.
XXXX Credit Reporting Agency continues to report that I have 2 late payments on my credit report. All of my open and closed accounts on my credit report do Not have any late payments. In addition, I 've applied for recent credit thru XXXX XXXX XXXX thru XXXX, and one of the reasons I 'm denied is I " pay few accounts currently as agreed ". Again, every account on my credit report is up to date. XXXX is reporting fraudulent information to possible creditors. Transunion is doing the same thing. I 'm being denied credit due to paying few accounts currently as agreed is what Transunion sends to my creditors.
I refinanced through Nationstar in XXXX of XXXX. When I refinanced part of the contract was that they wanted to " retire '' the title. Months later I called weekly to confirm that would retire it and they never did. I put my house on the market for sale in XXXX of XXXX. When the contract got to the closing attorney it was found that they had lost the title to my manufactured home.
My sister and I have banked with Bank of America for more than 5 years. We have never missed a payment, over drafted, or wrote any fraudulent checks when XXXX XXXX, 2015 they froze both of our accounts without sending us a letter or notification online. When we phoned them to find out what 's going on they told us both in person and on the phone it was a business decision and that they did n't have to give a reason for freezing our accounts. We 've sent in requests to have our funds released to us but all of them have been denied. We just got a letter in the mail stating the number of our accounts they have frozen along with saying they wo n't be returning any available funds. This has never happened to us before as we have never done anything for them to just freeze our accounts without telling us let alone not giving us reason why they wo n't release our money. While it was inconvenient to do this before the holiday 's and upcoming bills, now all we want is our money back then we will never do business with them again.
Castle Mortgage claimed we didnt pay our first payment for our loan.This simply did not happen we have documentation that we payed not just on time but early. Since then Castle Mortgage has sold our loan to XXXX. We want to refinance and this is hurting our credit score.
I do not know anything about XXXX XXXX. It lists the account status as Closed, therefore I should not owe any {$750.00} and it should be taken off my credit reports. Also Mr. XXXX XXXX, A debt consolidator, consolidated and paid off my bad debt.
on around XXXX XXXX 2016 I had applied for an American express credit card that was sponsored on my XXXX webpage. XXXX gave me an estimated chance of GOOD and encouraged me to apply so I applied and was DENIED when I received your usual decline letter it stated reasons that XXXX said my credit score was XXXX, I then paid a fee to retrieve my credit score from eqaufax the report said XXXX and I also paid for XXXX score which was XXXX so someone at American express lied about my credit score being just XXXX and unfairly denied me there credit card. I want CFPB to try and get me that card and reprimand American express for wrongly stating my credit score and denying me the credit card. thank you XXXX. C
XX/XX/2016 someone got a auto loan under my name. I do not own a vehicle or driver 's license.
My wife purchased a car from a XXXX dealership in XXXX XXXX, New Jersey. This purchase was financed at the time of the purchase through Ford Motor Credit. The purchase consisted of a down payment with the balance to be paid in monthly installments over a XXXX year term. On the same day financing was set up - we enrolled in automatic ( recurring ) payments from our deposit account. Nevertheless, each month my wife would log on to Ford Motor Credit 's web portal to make each installment payment and effectively overrode the auto-pay function. In the first part of this year we failed to manually make the payment as we were out of the Country ( XXXX ) and we were for the XXXX time relying on the auto-pay to make all of all periodic payments ( including this auto installment loan ). When my wife logged on the following month to make a manually payment, she was informed that the payment was not processed. She immediately made that payment ( inclusive of a late fee ) and the following XXXX, in addition to orally confirming with Ford Motor Credit 's customer service that the auto-pay was active for future months. In inquiring about the matter, I was informed by that our auto-pay request was not transferred from dealership to Ford Motor Credit when we initially financed the vehicle, but is now confirmed to be active on this account. There is now an inaccurate derogatory mark on my wife 's credit history because of their error which is negatively affecting our ability to purchase a new home. 

We reached out to Ford Motor Credit regarding this error in which they responded with a form ( XXXX ) letter that failed to address the claim. To wit they responded : " [ t ] o prevent derogatory information from being reported to the credit bureaus, the full payment must be received, or an extension requested and processed before the payment is XXXX days past due. As the reported information accurately reflects our experience with your account, we will not request the Credit Reporting Agencies to remove it from your credit file. '' The account was not XXXX days past due, rather any failure to process the full installment payment was a result of their own failure to execute the previously authorized automatic electronic funds transfer from our deposit account.
This is my second time filing with the CFPB. Nissan was supposed to pay off a residual balance when I purchased my new car. They did not pay it off as promised and I received a bill for over 2k. After being threatened by their management staff to call the police and have me arrested for asking them to pay off the bill ( as they promised ) I contacted the CFPB. They then back peddled and stated they would have this bill taken care of. I am not receiving collection calls about this bill, because they have yet to pay it off completely. I settle on a mortgage in 1 week and now this account is placed in collections. I am contacting an attorney and looking for some sort of compensation on this matter. Hours on the phone, credit being affected, threatened my father and myself of being arrested after questioning their management staff and now possibly affecting my upcoming settlement on my new house. This is not the first time Nissan has messed up. A year ago they applied my auto-debit payments to a car that I no longer owned and reported me delinquent to the XXXX. Nissan allowed someone to purchase my old car that I turned it and they broke traffic laws and I received the bill and had to prove it was not me. This is a joke, they are supposed to be a professional reputable company.
I never applied to pay pal credit but a credit inquiry is now showing up on my credid report from XXXXppc i have found many complaints online where they are doing unauthorized credit checks sence i did not authorize a credit check nor applied for pay pal credit i need to have this taken off of my credit report i lost XXXX points do to this error that was not my fault so please how do i go about this my name is XXXX XXXX email is XXXXXXXXXXXX phone number is XXXX XXXX XXXX
Specialized Loan Servicing LLc sent me back a check ( copies enclosed ) for a payment to be added to Payments in suspense. My modification was was based on the amount of an old insurer, and has not been changed, new insurer is half the cost of previous. enclosed is copy of trial modification. Now I am in fear that I will lose my modification. I have had this problem with SLS in the past.
I was current with my mortgage and applied for the Government HAMP program. 
5 years ago Bank of America destroyed my credit. " SUPPRESSED NOT REPORTING my mortgage to the credit bureau to help me '' BAC did not report my mortgage for 7 months to the credit bureau. ( to help me )? 
8 months later BAC reported to the credit bureau that I was180 days behind on my mortgage since XXXX 2009 and I was current in XXXX 2009.BAC reported my mortgage to the credit bureau that I dtd not made a payment in 18 months. " We Suppressed not reporting your mortgage to the credit bureau to help you '' BAC used that 18 months of Suppressing of my mortgage to destroy my credit, and used it to give me a bad loan.
I checked my credit report for the XXXX time only to discover that there was a claim of debt that was not true. I have called and requested verification of the debt and they said they would e-mail a bill. I am claiming that the bill was never an agreed upon total and I am requesting some substantiation of the bill, but they can provide none and refuse to remove the account.
I recently checked my credit report I came a cross a collection agency named Credit system.
I 've reached out to Credit system.
Credit system have no VALIDATION I have not signed anything with credit system ... I need VALIDATION NOT VERIFICATION. If this matter is not resolved and deleted I will be filing a complaint with the BBB.
Not sure why this complaint is being closed ... this is a collection agency reporting incorrect information. I need help getting this removed. I do not owe this collection. See Complaint # XXXX for details
On XX/XX/XXXX I purchased a face cream at a convention for {$260.00} where XXXX XXXX had a booth. For trying a bit of their product or watching it tried you were issued a free facial at their spa. OnXX/XX/XXXX purchased another product for {$260.00}. That night I tried to use and face and neck broke out in welts, huge red bumps. I photographed, sent to vendor and said I was returning and wanted refund. I mailed via US Post office with tracing number within their specified timelines for refund. Received confirmation of delivery. Vendor contacted for refund. Said package not received. I contacted American Express to dispute charge and sent confirmation that package was delivered. I have sent confirmation 3 times to American Express. Three times the charge was written off and 3 times reinstated. The vendor evidently has kept the package and American Express says if the vendor hasn't received the package they do not have to issue a refund. I am enraged.
I am writing about my Citi XXXX credit card ( Acct XXXX ) because Citi incorrectly reported my account as " 30 day late in XXXX XXXX '', even though I mailed in a check to them. I am attaching a photocopy of the check I sent as proof. They admitted that it 's possible that they lost or misplaced my check. I been a Citi credit card customer for over 10 years ( since XXXX ) starting with the Citi Dividend ( Acct XXXX ) and have never pay late. 

I wish for Citi to update my credit report to all the major credit report agencies XXXX to accurately reflect that my account was never 30 day late in XXXX of XXXX. 

As of the day of this complaint XXXX XXXX/XXXX/XXXX XXXX, my credit card account has a XXXX balance.
Threatened to take legal action and calling my employer 's Human Resources office to include garnishing my wages if either do n't call them back or pay a debt I do n't owe.
The collection agency namely XXXX keeps reporting information on my report that does not belong to me. They were unable to verify this debt belonged to me back in XXXX of 2015 and all XXXX trades were deleted well low and behold they are back at it again and the credit reporting agencies are allowing them to report this trade again even though it was deleted the last time because they could not verify any of the information pertained to me. Im sick and tired of doing this every 4 months I want these trades deleted from my reports at once and to never ever to return and I want this collection agency to be held accountable for falsely reporting information that does not belong in peoples reports. These entries have destroyed my credit score to say the least and they need to pay for this. I have disputed this again with all XXXX credit reporting agencies. It is your job to warn them them that these trades must never ever appear in my report again. Im not going to wait 30 days for another investigation I want these deleted like 5 minuted ago meaning now not 30 days from now but right now, Im tired of these collection agencies just doing whatever they please and have to not answer to anyone. I can not give you the full account numbers for the trades as the credit reporting agencies do not provide the entire account numbers for them. To put it plainly anything that says XXXX needs to be deleted
- In XXXX, XXXX I noticed a collection on my credit file I did not recognize from Ability Recovery Services , LLC. 
- On XXXX XXXX, XXXX I requested the collection agency validate that debt or remove from my credit file if they could not validate. I also disputed the debt with the credit bureaus. It was removed from XXXX, but not XXXX. I an not sure of the status on XXXX currently. 
- On XXXX XXXX, XXXX, Ability Recovery Services sent me a settlement offer with no validation or explanation of the debt. 
- On XXXX XXXX, XXXX I again requested validation of the debt or that it be removed from my credit file. 
- On XXXX XXXX, XXXX Ability Recovery Services again sent me a settlement offer with no validation of the debt.
experian after completing an investigation allows creditor to " re-age '' the account which makes it more damaging and is misleading and inaccurate.the creditor is west asset mgt, account no.XXXX.the account history shows in collection as of XXXX XXXX, when their own previous report shows paid in XXXX XXXX. 
EXPERIAN REFUSES TO RE-INVESTIGATE AS FRIVOLOUS.
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, all should n't be reported to my account I told them who I was staying with put me out and use my identity to try to obtain Credit in my name
XXXX client, XXXX XXXX is a victim of identity theft. A current credit report reveals that a fraudulent application was submitted with his information that resulted in an inquiry XX/XX/2018 with XXXX XXXX XXXX/ Cabela 's that he did not authorize reported to XXXX . My client first contact contacted Cabela 's because he does have a legitimate account however he did not apply for this second one. An official dispute was sent to Cabela 's XX/XX/2018 and as of this date no reply concerning the investigation was received. This is a violation of the FCRA and my clients consumer rights.
The Petitioner Capital One Bank hired XXXX XXXX XXXX, XXXX and sued me for debt they claim I owe. I was NOT properly served ; therefore they were granted a summary judgment. I summited an Answer to complaint on XX/XX/2018 with Civil Court of The city of XXXX XXXX  XXXX County. 

In this Answer to complaint I specifically asked for the original wet ink promissory note for my inspection. They sent me copies of statements which isnt what I requested and its not PROOF.
In XX/XX/XXXX I obtained a mortgage from Citibank for my home. I decided to use Citi for my mortgage because of a promotion they offered where they said that if I kept a minimum balance in a checking account they would reduce the interest rate by 1/8 th of a point ( percent ). They never applied the promotion that they promised. In XX/XX/XXXX, they sent a letter to me acknowledging that the interest rate discount to which I was entitled was " inadvertently not applied '' to my loan and they offered a check which would retro-actively reimburse me for less than 5-years of the amount that I had incorrectly been asked to overpay. In addition to not including any interest on the money they had unfairly collected, they have refused to apply the 1/8th of a point reduction to the ongoing interest rate that they have already admitted in writing that I should be receiving. This is totally unfair and I contacted the company to explain my position 3 times over the past 3 months : once at the local branch, once by phone and once by an escalation person that called back when I said I was not satisfied. In each of these conversations, the representative said the same thing : that I was correct that I should have received the lower interest rate but that they were not going to correct their error for any of the remaining 25 years on the loan. This represents a bait and switch theft of over {$31000.00} from me by the bank 's admitted wrongdoing.
addition to complaint XXXX Provident is now asking for duplicate documents, typo correction from insurance company on documents they have had for weeks, wife 's professional licencse ( even though two years complete XXXX 's provided as well as employment verification through the state of FL ) and now want us to execute a new sales contract extending the closing date past XXXX/XXXX/16 even though contract already has a built in extension for compliance with CFPB rules.
After my graduation, I was notified by federal loan service for student loans. However, as Conduent takes one of my school student loan ( XXXX XXXX XXXX ), they failed to notice me about the loan. I had zero idea about this loan ( including loan amount, interest rate, loan collector or even repayment method ). On XXXX XXXX, my credit scored reduced by a whopping 55 points that I realized that there is student loan. On XXXX XXXX, I had to call my school financial office to learn about my loan collector. Then, I made a phone call to ask why they do not contact me for my loan. According to them, they sent paper mails to my correct mailing address and the postal office returned the mails. I highly doubt that the address they input is correct. Also, they did not try to send me E-mail notification even though they can easily achieve my school email address. They also did not make a phone call. They representative insisted that they can not do anything about the past due report, so I am desperate to file this complaint.
On XXXX XXXX, 2015 I reinstated mortgage # XXXX with Bank of the West, XXXX XXXX XXXX, XXXX, XXXX. I was in the process of selling the property and provided Bank of the West a purchase agreement, but they refused to work with us. On XXXX XXXX, 2015, less than a month later, the property closed on the same purchase agreement and Bank of the West was paid off at the amount they demanded. 
Previously, demand was made on Bank of the West to this agency for full disclosure regarding all figures supporting the payoff of this loan ; however, the reinstatement figure of {$11000.00} remains unaccounted for. Bank of the West has failed to provide itemization for this figure.