WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I had a check deposited into my account Check # XXXX Bb & t Bank charge me an overdraft fee twice. I called the bank on the same day to make a deposited into my account to avoid the fee. The same day the check was presented to company is the same day they charge me the overdraft fee. The did n't wait for the next business day to charge the fee, like they normally do. And also, on that same date I was also hit with another overdraft fee for a {$2.00} withdrawal. So thats two overdraft fee 's in one day. Fast forward to today XX/XX/XXXX. I went to the atm to make a deposit ( XX/XX/XXXX last night. My account said XXXX and change ... I wake up this morning XXXX check to my account. And now another XXXX over draft fee. ( How ) if i made a deposit last night of {$110.00} and was already XXXX and cents. I am starting to think this bank is robbing me ... {$100.00} in fees in under two weeks. and they ca n't do anything for me ... I ca n't afford these types of fees. Its starting to look like predatory. I would close this account. But its not in my best interest at this present time. Thank You.
Equifax lost or had stolen my personal financial information. I am still not sure to what degree but at least my social security number. Equifax should be shut down. They get access to all our financial data, that can make or break someone 's life, with the only stipulation being that they keep it secure. They are allowed to profit off of this information and make us pay if we want to access it more than a few times a year, but then they ca n't even keep it secure. This is ridiculous.
At the beginning of the year I was a victim of identity theft ( FTC affidavit attached as well as proof of fraud alerts on all three major CRAs ). This caused me to look deeper into my credit. After doing so I discovered several inquires I did not recognize. One being from Ally Financial. On XX/XX/18 I sent a certified letter to Ally Financial requesting proof of " written authorization '' by me with my signature to pull my credit. Ally Financial failed to provide me with such proof. Thus I am assuming they have no such documentation and do not have written authorization from me to run my credit. I also did NOT authorize anyone to have Ally Financial run my credit. According to section 604 permissible purposes are : Firm offer of credit, insurance, employment and court order. Section 604 also states the consumer MUST give " written instructions ''. I have attached an FTC advisory opinion ( below ) which interprets Section 604 of the FCRA on what is both permissible and considered " written  instruction ''. According to this FTC advisory opinion Ally Financial is in direct violation of Section 604 of the FCRA. I again request that the UNAUTHORIZED inquires be removed from my XXXX  and XXXX  report or be provided proof I have given " written instructions ' to pull my credit. I am also aware according to FCRA Section 604 ( A ) ( 3 ) that Ally Financial is liable for a monetary fine if they fail to provide such  documentation. XXXX  and XXXX are liable for the monterey fines as well for reporting unverified information. 

https : XXXX
On Saturday XX/XX/XXXX, I received a text alert from Citibank asking if I was trying to make a certain charge on my credit card. I responded NO and was directed to call a certain phone number. On the ensuing phone call, the agent informed me Citbank would be closing the account because of this fraud and sending me a new card. <P/>The following week, I was able to login to my account online and see that there were additional fraudulent charges. I contacted Citibank and informed them of this additional fraud. <P/>1 )XX/XX/XXXX XXXX USD XXXX CA {$320.00} Reference # XXXX 2 ) XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$350.00} Reference # XXXX 3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$350.00} Reference # XXXX I have made repeated phone calls to Citibank over the past 3 months. I was told at first that they were investigating these charges and not to pay these amounts or any related interest charges as they would all be reversed at the end of the investigation. I was more recently told on at least 3 occasions that these charges would be removed from my account and I would see the credit on my next statement and the credit would not appear on my online account until the statement had been run. I have now received my 3rd statement that was supposed to have these charges removed and the charges remain.
This is a continuous issue : Navient is claiming I have not paid my student loans in five months ; however, they cashed my previously sent checks, which cleared my account, and they did NOT apply those funds to my account. First time I called, they said they would research it. I continued to get emails stating I could go into forbearance if I was having problems paying ; but I had paid! Second time I called, they told me to print my bank statement and mail it in. I did that, highlighted where/when the checks were cashed. I continued to get the forbearance emails. Third time I called ( three weeks later ), I was told they never received the bank statement, that the address I was given was incorrect, and told me to upload it to my online account for them to review it more promptly ; and they said they would put a high priority on researching it, as well as remove it from my credit reporting, if they were in the wrong. I continued to get the forbearance emails. Fourth time I called ( two weeks later ), I was told they could not find the funds from the check and that they would put a high priority on researching it, again. I 'm trying to get my own place, and with them erroneously reporting I have not paid my bills in five months, it is impossible to find someone who will deem me reliable -- not to mention the incorrect reporting to my credit. I 'm at a loss, as I have done EVERYTHING within my power for them to make my account up to date, and they STILL have not done ANYTHING to remedy this situation.
I have not requested or authorized XXXX XXXX XXXX or XXXX XXXX XXXX credit to make any inquiries into my credit file
Navy Federal Credit Union ( NFCU ) and my ex-spouse colluded to foreclose on my home by changing the loan solely to his name and refusing to give me any information in order to pay the mortgage and keep it from going into foreclosure when my ex stop paying on the mortgage. My ex-husband and NFCU employees colluded to embezzle the house I was awarded in our divorce. This occurred in XX/XX/2011 thus the criminal statute of limitations of six years applies. When I signed the loan documents NFCU promised to work with me if any problems were to arise. They lied to me, knowing that the purpose and long term goal was to embezzle my real property. This is a long running scam using : marriage, identity theft, kickbacks, and bribery and the tactics are similar to those used in the XXXX XXXX. 
At the time of the loan, I had reconciled with my ex-husband as he promised that his attorney would dismiss the divorce because there was no judgment. He lied knowing that his scheme was to embezzle my assets, me retirement, and illegally use my identity and assets for financial gain.
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX XXXX. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX
AT  TN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely
manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : American Coradius International    XXXX  #  XXXX
I have struggled to increase my Credit score for the last year, getting a score of almost 700, which after horrible XXXX  from a husband and finally getting a divorce was a great achievement. BUT>>>>> On XX/XX/2018 I contacted Navient to start repaying a 20 year loan. Navient, instead of helping me they reported that I was 90 days late to XXXX AND XXXX XXXX PLUMMETING my credit score to XXXX which is horrible and below average. 
I tried calling to correct this and they replied ... ... .. TOO  BAD!!! 
They have harassed me for years and I would go into forbearance on their advice. 
My score is so important to me as I have really tried hard to make it better for obvious reasons. PLEASE help me remove Navients NEGATIVE reporting on my credit report I borrowed XXXX for school and now it is close to 14,000.00. 
I have read that Navient has class action law suites against them and would like any advice
My sister and I rented an apartment from XXXX, after our lease was up we attempted to get our security deposit back. 
They refused and said we owed a lot of money. I took them to court and they settled with a payment to me for {$500.00}. ( Almost all of my deposit ) Then they submitted a bill to collections.
Please check the attached FTC ID Theft report, there are several inquiries on my credit report, they are all listed accordingly on that report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.
Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for any credit with your company.      This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater  ;
Account Resolution Services has refused to give me the address or contact information of XXXX. There are no records or phone number found for this company. I have never rendered services from a company called XXXX. 

Account Resolutions Services also refused to give me a copy of any bills, billing itemizations or contract information concerning the debt they claim I owe. 

Account Resolution Services has refused to provide me with proof that it has any authority to collect for XXXX.
XXXX XXXX 2017 I 've paid them so far {$200.00} they said they are collecting for XXXX XXXX and they attach a XXXX. 
This person I 've been speaking to XXXX XXXX Account Manager XXXX XXXX XXXX XXXX & XXXX XXXX ext XXXX XXXX direct line XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA. XXXX
I pre-qualified with Bank of America on a FHA purchase loan. After finding a property and signing a purchase contract i also was pre-qualified with XXXX XXXX XXXX. My purchase contract was accepted by the seller on XX/XX/XXXX and on XX/XX/XXXX I informed Bank of American I was going to go with XXXX XXXX XXXX as my lender. Since BofA had already pulled the FHA Case number I requested via email that the case number be transferred to XXXX. After many request by myself and XXXX to Bank of America to transfer the case number nothing has happened. As of today XX/XX/XXXX the FHA Case Number has not been transferred. Request were sent to the loan officer XXXX XXXX XXXX XXXX and his manager XXXX XXXX. Both work in the XXXX XXXX XXXX XXXX, CA XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. Their contact information is XXXX, XXXX and XXXX, XXXX. My contingency are coming due and I must release my contingency or fear losing the home or my earnest money deposit. I do n't believe a company should be able to hold my loan " hostage '' because I decided to go with a different lender. I had not signed a loan application or received and LE when i informed BofA of my decision to change lenders. All I want to do is have the case number transferred to XXXX XXXX XXXX so I can move forward. FHA Case number XXXX Thank you.
I forwarded to Equifax a copy of the ID Theft report as well as a detailed letter outlining various accounts which are not mine and are a result of ID Theft. The credit reporting agency ( XXXX XXXX and other staff in the Executive Services ) took my information and treated my ID theft report like a normal dispute rather than treat it as ID theft and failed to block the information from my report within five days under FCRA 604b. I contacted XXXX several times over a month and she said that she will not block any information from my report and that the creditor has 45 days to respond and if they verify the accounts will remain on the report. I told her I would like to invoke 604b and she said that she will not do anything under 605b. I also reconfirmed that they had receipt of the ID Theft report and still they participated in willfull non-compliance. I also asked for the verification method used and they did not provide this, I then asked for the exact proof such as an application or any other hard documentation and Equifax did not have a hard copy of anything to provide to verify the validity of these accounts. Ithen asked for physical proof and not just a computer automated response and again Equifax could not provide this. Equifax seems to be going on a computer generated system or the word of a person rather than hard physical proof such as loan documents or any other hard proof and thus they are incorrectly reporting negative infomration. The lawyer I consulted with said that Equifax must provide proof at this time and that proof must be documents and not automated documents. The documents needs to show signatures of the consumer to show that any reporting is that of the consumer. Further more, there are several accounts that I have been battling over in this Identity Theft for seven years and yet these accounts are still on my report, this is clearly a violation of the 7 year rule. I infomred them that I never received any result to date, however, the items that are not mine and were part of the ID Theft report and claim to ID theft are as follows : XXXX XXXX, XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX, XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX and XXXX XXXX. Each time I contact Equifax, there are a million and one excuses. There are even several inquiries which are not mine and I identified them to Equifax, however, there excuse is whether or not they were authorized that they are still going to remain on my report. Equifax clearly violated the FCRA and I was infomred by an attorney to make this complaint to add to the three years of documentation I have against Equifax for willfull non-compliance. This is the last straw before legal action is taken and this according to the attorney will serve as proof that I officially complained through a Government agency. Thank You.
I am XXXX year old XXXX. Pressler and Pressler counsellors at law, XXXX XXXX XXXX, XXXX, N.J. XXXX debt collectors, have been harassing me to pay a debt that occurred prior to the year XXXX. they are demanding i complete the forms they sent me requiring all sort of information regarding my personal finances. Their letter says I can make payment arrangements. this debt, i believe, is to old for collection. I do n't know what to do. I am so upset.
USBank LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX On a recorded line, XXXX with USBank has violated CA State and also required us to hide money from XXXX by saying the homeowner needed to bring in funds to close the short sale. USBank had previously approved this short sale at $ XXXX. Now they want {$11000.00}. I told XXXX and her XXXX XXXX, that what they are asking us to commit XXXX ILLEGAL ACTS 1 ) Violate State Law by asking a homeowner to bring in funds in a short sale, and 2 ) Violate Federal Law by giving a XXXX TD more money than is allowed by XXXX. 

With all the stuff in the media with XXXX XXXX being fined by the CFPB for this exact same loan fraud, it amazes me that USBank is now so blatant as to ask us to commit federal loan fraud by providing funds outside of escrow - essentially asking us to HIDE MONEY FROM THE FEDERAL GOVERNMENT.
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Bankruptcy : Dismissed CH-XXXX on eq XXXX Bk Chapter XXXX XX/XX/XXXX XXXX Bankruptcy chapter XXXX-dismissed XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Okay, over the past several months I have been corresponding with " XXXX Credit Reporting Bureau '', Trying to get them to delete a Bankruptcy charge off my report.

This company is a Third Party that sell information to other credit reporting Bureau which is against the law. I have copies of all three different Credit reporting agency Last credit reports. One XXXX Reporting Act shows a correction vs the other two.
I took out a loan with Big Picture Loans and have them paying a little extra but it is n't coming off the principal it is staying the same. Plus my payment is suppose to be {$160.00} which my and they took out {$170.00}. Plus my loan application date changes every day. I only completed XXXX application and only received money XXXX time.
My wife and I recently sent the attached follow-up letter to Experian. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.
Since my divorce in XX/XX/XXXX I have been scrupulously diligent in paying my bills on time. Only once in the past five years has a bill been over 30 past due and after calling the creditor ( XXXX XXXX ) it was found that an error had been made and they corrected it the next month. Recently my wife ( who had been paying the XXXX 's bill because she had purchased XX/XX/XXXX gifts for me ) missed XX/XX/XXXX payment and I promptly paid it. ( approximately 35 days after the due date ). I called XXXX 's at the time and they could offer no help in rescinding the credit report filing. 
I assumed that my current credit scores ( XXXX, XXXX, XXXXXXXX  ) would drop about 20-30 points at most. My current scores according to my XXXX XXXX account are ( XXXX, XXXX, XXXX ). An aggregate drop of 86 points across all three major reporting agencies. 
I understand it is my responsibility to pay my bills on time. As is evidenced in the Identity Guard credit score report attached there is only ONE late payment in the past two years ( all the further back I could go with their system ) I feel that this significant of a drop in my scores is at best an error on credit bureaus part and at worst a malicious and damaging attack on my financial well being.
On XXXX XXXX, XXXX I had a water back up into my home. XXXX XXXX XXXX, XXXX a remediation company removed sheet rock, took up floors, and determined cabinets would need to be moved from the home. They had fans in the home until XXXX XXXX. The insurance company wrote a check at this time for {$28000.00}. This was mailed to the mortgagee company on XXXX/XXXX/XXXX. An additional check from {$10000.00} was sent on XXXX/XXXX/XXXX. The only checks I have received to pay for my repairs was {$480.00} on XXXX/XXXX/XXXX and {$12000.00} on XXXX/XXXX/XXXX. I was told on XXXX/XXXX/XXXX they would pay XXXX out to the contractor and I and then XXXX at the halfway point and the remainder once it was finished unless I showed them paid in full invoices. I started sending paid in full invoices via fax and email on XXXX/XXXX/XXXX. The contractors estimate was sent on XXXX/XXXX/XXXX. I called every three days as instructed for status. They did not confirm receiving anything until XXXX/XXXX/XXXX at which point they acknowledged receiving the XXXX versions I sent. The girl promised she would upload my file for review herself. On XXXX/XXXX/XXXX this still had not been done. I spoke to a supervisor who spent over an hour stating what she was requesting be issued from my escrow funds. Long story short nothing has happened other then getting XXXX of my funds payable to me and the contractor. He has been paid in full and the XXXX was for more then what I owed him since I am supplying all the materials. I am unable to get the remaining funds even with a lien wavier signed and notarized by the contractor and paid in full receipts from the contractor and from the supplies. If you are not the correct person to complain to please let me know. I have a lot more information and dates just want to verify this is the correct place to file a complaint before I continue. I will attached a summary up until XXXX/XXXX/XXXX of my receipts and correspondence. I have the remaining information and supporting documents if required. I am truly at a loss on how to handle this.
This is not my account - XXXX XXXX XXXX # XXXX. I never co-signed for this Line of Credit. It belonged to my wife 's business, but she filed Chapter XXXX and this account should have been included in that proceeding.
Im writing this complaint out of complete frustration. I recently obtained a copy of my TransUnion credit report and I noticed some unauthorized hard inquiries on my report. I immediately reached out to TransUnion and told them that I had some inquires that werent me and I would like them removed due to fraudulent activity. TransUnion refused to help me remove them and told me there was nothing I could do. Im soo upset cause this is hurting my credit and someone unauthorized, used my info. The fraudulent inquiries are listed below : XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX :XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX