WillisBack/dataset-financial-user-claim huggingface dataset:
We finished our three year lease with Ally Financial in XX/XX/XXXX. Throughout the course of the lease I was frustrated with Ally 's billing statements. It seemed that I was perpetually late! Even after I sent in payments in the exact amount listed on statements mailed to my home, I was always shocked to find that there was an outstanding late fee from months before that was now compounding in additional late fee charges. We have had several home and auto loans. Ally was by far the worse financial institution to deal with. Needless to say, we were happy to be finished with our leasing agreement with them. We were disappointed to receive a letter from Ally on XX/XX/XXXX telling that we owed {$1000.00} in excess wear charges. They sent pictures of the " so-called '' damages which appeared to be no damages at all. We told Ally that we were disputing the charges and agreed to only pay for a small dimple dent on the hood of the vehicle that Ally was charging {$240.00} to repair. Ally refused. I filed a complaint with the FTC ref. number XXXX as well as the Better Business Bureau Serving XXXX Michigan and the Office of the Attorney General Consumer Protection Division ref. number XXXX. We jumped through every hoop Ally asked of us however after their " internal '' review of the case ( they had to review because of my BBB complaint ) they stood by their {$1000.00} charge. We were forced to contact a lawyer. Not because we could n't afford the charge but rather because a company should not be allowed to take advantage of customers and bully them into paying for fictitious wear and tear charges. We informed Ally that we had contacted a lawyer. In the process they sent us to a collection agency. My husband and my credit score has dropped 100 points because of Ally Financial. Our lawyer sent a letter to the collection agency and we recently settled with Ally for half of the {$1000.00} charge. Something we could have done back in XX/XX/XXXX if Ally! I was informed by the Collection Agency that Ally is the only one who can take the complaint off of our credit report. This is what I do n't understand! Ally Financial has a BBB overall rating of F, they are NOT accredited by the BBB because of their poor business practices. Of the 136 customer reviews of Ally, 133 were negative, that 's a 98 % negative customer rating! https : XXXX How can a company with a F rating have any authority to ruin a customer 's credit score for 7 years. I do n't know what our recourse is. I just know that something MORE has to be done to watchdog companies from customer bullying. And there has to be negative consequences for companies with a F rating.
XX/XX/2017 XXXX XXXX XXXX Charge {$10.00} I noticed this charge on my credit card statement, has been charged each month for a year. I never approved it, when I called the number listed they were not able to " find any customer info at this time '' and assured me they would get back to be as soon as possible and took my address and phone number. I want my money, I requested a refund of all charges over {$100.00} easy. 
I have documents if needed.
This is my now 5th complaint against Equifax  Consumer Credit Services concerning the same matter which is unauthorized inquiries on my credit. I have spoken with all credit lending services which are XXXX Bank-Inquiry XX/XX/2018, XXXX XXXX XXXX XXXX Inquiry-XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX XXXX XXXX-Inquiry-XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018, XXXX-Inquiry-XX/XX/2018, XXXX XXXX XXXX XXXX-Inquiry XXXX, XXXX XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX XXXX-Inquiry XX/XX/2018, XXXX XXXX-Inquiry XX/XX/2018 and last but not least XXXX XXXX-Inquiry XX/XX/2018. These are all fraudulent inquires which all these banks have said they have no file on me and on top of that, I HAVE HAD A FRAUD ALERT ON MY CREDIT FOR THE LAST TWO YEARS AND XXXX   AND XXXX HAVE BOTH HANDLED REMOVING THESE FRADULENT INQUIRIES ON MY CREDIT AND THE ONLY CREDIT SERVICE THAT HAS NOT IS EQUIFAX. I would like a full investigation as to why they are not obiding by law.
There is a negative item on my credit report from XXXX XXXX XXXX. I have no record of the account which was from 2003 and neither does XXXX XXXX XXXX. I have called them several times over the last two month and have been told that they do n't have anything listed under my social security number. I also opened an investigation with all three credit bureaus and Experian will not take it off of my report despite the fact that I submitted a written request detailing the issue.
My son XXXX XXXX is trying to secure a place to rent in XXXX, XXXX. He found a place on XXXX XXXX in XXXX, and contacted the owner of the property, XXXX XXXX, via e-mail. An agreement was made over the phone, as XXXX XXXX represented himself as the owner, but was in XXXX on business. The XXXX of them made an agreement that XXXX would send the security deposit of {$600.00} and that once he moved in he would pay the XXXX months rent. The agreement was that the lease was to be sent to XXXX to sign and return to XXXX XXXX, by his secretary XXXX XXXX. XXXX XXXX was also the one who was going to pick up the deposit of {$600.00} in XXXX. sOnce the security deposit of {$600.00} was received, XXXX XXXX would have his secretary XXXX XXXX, send the keys to the place to XXXX via XXXX and she would forward that tracking number to XXXX. The security deposit was sent on XXXX/XXXX/15 via MoneyGram in the amt of {$600.00}. Today, XXXX, XXXX XXXX notified XXXX that he had " his plumber '' go to the house to check on everything so that it would be ready for XXXX to move into. Per XXXX XXXX, the plumber found pipes leaking in the wall and now XXXX XXXX is asking for another {$1200.00} to be sent to him to help cover the cost of the repairs. My son does have a copy of the lease, which states that the deposit would be {$600.00} and outlined that the rent was $ XXXX. with all utilities included. I possess the receipt for the security deposit of {$600.00}. In the original e-mail correspondence between XXXX and XXXX XXXX, XXXX XXXX indicated that he is a new landlord and that he had the keys to the property. Now today, he states that a " plumber '' has keys to get into the property. If this plumber truly had a key, why did XXXX XXXX not offer for XXXX to meet the plumber at the house to do a walk through, before we sent the {$600.00}. XXXX has corresponded back to XXXX XXXX today, the XXXX, and asked him why he did n't offer for the plumber to meet XXXX there, if someone local had a key. He has not received a reply as of this time at XXXX XXXX/XXXX/15. XXXX XXXX also stated that " He 's been busy today and has n't had a chance to XXXX the key yet ''. This sounds like a total scam, I 'm hoping not, but it 's starting to smell very fishy. I hope you can offer some advice of assistance in this matter.
Client got behind on mortgage due to being diagnosed with XXXX. They asked for reinstatement amount & was adv it would be {$17000.00} or thy wld start foreclosure. On XX/XX/XXXX I wired {$13000.00} prior to the deadline to starting the foreclosure even though it was short. Then the bank sent a 2nd wire the same day which totaled {$27000.00}. The applied the funds to my account and forward posted my payments for almost a year in advance. Since they received the funds they still filed for foreclosure and charged me additional {$2500.00}. Once the 2nd wire was pulled back they backed out all of the payments and held the money in a suspense account and proceeded with foreclosure even though the {$13000.00} had been sent. Part of the {$15000.00} included the month of XX/XX/XXXX which was a current due payment plus attorney fees. They scheduled a hearing for XX/XX/XXXX. They continued to accept our monthly payments. Then I got sick again and had an issue with my employer depositing my paycheck into my account which I was not aware of when I made the arrangement for the payments. On XX/XX/XXXX I received a reinstatement letter of {$5200.00} there were other fees listed below but it is noted that those amounts were not needed to reinstate the loan. So on XX/XX/XXXX I sent a wire for the {$5200.00} just one day after receiving the reinstatement amount. Then on XX/XX/XXXX I got a letter stating they were returning the funds because the file was now back in active foreclosure and on XX/XX/XXXX they sent a letter stating it would now be {$7300.00} to reinstate which included all the fees that had been listed below the line of the reinstatement plus another XXXX for attorney fees and they have set another notice of hearing for XX/XX/XXXX.
applied at XXXX and requested my annual XXXX free reports, none of the XXXX reporting agencies would relesase/show me my own credit information?
on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.
I tried many times to place a credit security freeze online at Equifax. I put in all the correct information ( I have no XXXX or XXXX, XXXX, etc after my name ). After entering all the required information correctly, the website reports the folllowing : " Additional Information Required We 're sorry ... we can not process your online request concerning an Equifax security freeze. To assist us in processing your request please submit in writing the required items outlined below. 

For all security freeze requests please submit the following ID information : your complete name including any suffix ( e.g. XXXX, XXXX, etc. ), complete address, Social Security number and date of birth. 

For the Placement of a security freeze, please provide the above required personal ID information. 

To temporarily lift a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Date range ( e.g.XX/XX/XXXX - XX/XX/XXXX ) or proper information regarding the third party ( ies ) to receive your credit file ( e.g. XXXX ) To permanently remove a security freeze, you must submit all of the following along with the required personal ID information : - 10-digit personal identification number ( PIN ) - Two ( 2 ) forms of identification ( eg.Pay stub with address and utility bill ) Please return your required personal ID information along with any additionally required information noted above to : Equifax Information Services XXXX XXXX XXXX GA XXXX Please include payment by check or major credit card for the appropriate fees. For XXXX, XXXX, XXXX or XXXX XXXX payment, please include your name as it appears on the card, the card number and the expiration date. Please click here for the fees associated with your state 's security freeze. 

We will provide you with written confirmation of the successful completion of your security freeze request. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, TX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Thank you, Equifax Information Services LLC " XXXX and XXXX allows me to do this on-line. This demand of performing a freeze request by mail is an undue burden and obstacle put in place to deter the consumer from doing what is his/her legal right. XXXX only wants to continue profiting off information about the consumer, to the consumer 's detriment. XXXX can not be trusted with distributing my information securely nor admitting failure to do so in a timely manner to enable me to protect myself from identity theft. 

Why is n't there regulation against this?
The credit card account was closed. Then I received a phone call from XXXX claiming that I made airline purchases using that account. I informed XXXX that there was fraud on that account because I did not make any of those purchases. They then had me fill out fraud forms which I returned to them. I was told by them that the issue would be resolved. A few years later I received a collections letter from XXXX XXXX XXXX stating that I owe {$1400.00} from the XXXX account. I explained to them that there was fraud on that account and that I did not owe them. XXXX XXXX dismissed my statements and said I would have to pay that amount.
I am not understanding Wells Fargo has done with my money I have sent to them. 
It seems I have too much due and I am frustrated with this procedure. 
I want to include a copy of all payments sent to Wells Fargo this year. 
Something is not correct.
I am filing complaint because I had wrote to Equifax in regards to various inquiries made on credit file in which I never authorized to run a hard inquiry on my credit. I wrote a letter to Equifax requesting an investigating on my file and to provide proof of authorization of any hand written signature from myself to the creditors listed. As of XX/XX/2018, Equifax has not provided proof and has failed to deleted inaccurate information on my credit. I have also contacted the creditors directly and was notified that they on there half didnt have any documents with my signature or any form of authorization. The creditors of the inquiries are as follow : Creditors Inquiries : Inquiry Date : - XXXX XXXX XX/XX/2018 - XXXX XXXX XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX XX/XX/2018 - XXXX  XXXX. XX/XX/2018 - XXXX XXXX XXXX  XXXX XX/XX/2018 - XXXX XXXX. XX/XX/2018 XX/XX/2018
This information is wrong on my personal information with Equifax. The following information : Equifax XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX I have never lived anywhere else in the United States but in ALABAMA and locally to XXXX, ALABAMA. This is not my address and I have no affiliation with anyone that lived there. Please remove this address from my personal file XXXX, I fear this my be related to fraudulent activity of someone trying to steal my identity. Please Remove. Thanks!
On XX/XX/2018, Wells Fargo mortgage apparently sold my home at foreclosure auction while I was in an active Chapter XXXX Bankruptcy which I believe to be a violation of the law. The also did so after assuring me that since I was in bankruptcy the sale would be stopped pending the adjudication of the chapter XXXX case. Since that time the " buyer '' has continued to harass me and demand that I leave my home. I do not believe the foreclosure sale was valid. I am still working through legal remedies for the situation but feel that the appropriate government agencies should also be made aware of this practice.
I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with Citibank and XXXX with XXXX XXXX. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want Citibank and XXXX XXXX to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.
National Recovery Agency was reporting two debts on my credit report. I have never received written notification describing the alleged debt or who the original creditor is. I disputed it with the three major credit agencies and while one of the accounts were deleted as a duplicate, the other remains because National Recovery Agency certified it as mine. I then sent National Recovery Agency ( the furnisher ) a direct dispute via certified mail according to my rights under FCRA and CFR 660.4 but never received a response. The letter was signed for by XXXX XXXX XXXX according to my proof of receipt ( see Attached ).  This negative account is impacting my credit and interest rates and is not a good representation of my credit-worthiness.
I need to lift my credit freeze with XXXX, XXXX, and Experian, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

XXXX XXXX XXXX. 

XXXX XXXX
I have reach out to the department of education for Navient about the reporting on my credit card showing that i was late 90 days For XX/XX/XXXXover 10 times since my credit score has been impacted. Requested several time and even hand written a goodwill letter to the department in XX/XX/XXXXExpressing and apologize if they didnt receive my electronic paperwork in time for the repayment plan. I explain to them i suffer for migraines which is why i requested for the plan to give me time to get my healthy again to be able to work which they agree to but got blindsides with being reported late.
I opened up an account on XX/XX/XXXX. My report should reflect that I paid my account on time for 18 consecutive months. This account should reflect closed XX/XX/XXXX. I reached out to the company to resolve the problem with no success.
I had a savings account with American Express Savings Bank FSB. I requested for an account closure, however there was a remaining balance in the account. I have never received any of my money from my account.
Every 3 months I get this same offfer from my personal bank Regions Bank, offering : *Earn 2 Regions Relationship Rewards points for every {$1.00} spent on qualifying purchases2 in the first 90 days after the account is opened. After that, earn 1 point for every {$1.00} spent on qualifying purchases.
*0 % Introductory APR for the first 12 billing cycles on all purchases posted in the same period and all balance transfers posted in the first 60 days after account opening. *No annual fee *No foreign transaction fees Promo code XXXX When I go to apply w/prmo code XXXX and enter all my information, then I get the error that says my promo offer is Invaild, and I could continue as a normal applicant. Every time ... .This sis a scam I they would do anything about it.
I recently obtained a copy of my credit report. There was an unauthorized inquiry made by XXXX XXXX XXXX. On XXXX, I wrote to XXXX XXXX Services asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!
I am asking that the 30 day late negative placed on my credit report by Toyota Financial Services be removed. When I received my first bill ( TFS Account : XXXX ), I paid my bill online and setup autopay to ensure that a timely payment was delivered. For whatever reason, XXXX website did not process my payment. Upon learning that my payment did not go through, I tried to pay my bill online through XXXX website XXXX more times before I gave up and started paying though my XXXX Bank bill pay. I have since setup automatic payments through XXXX and have had no issues thus far. Attached are files showing my attempted payments as well as my banking statements showing ending daily balances. There is no reason the payment should not have been processed. 

I take great pride in my credit history and ability to repay my obligations. As you can see from my attached credit report, I have no other occurrences of bills not being pay on time. Further, in this example I made multiple attempts to use the XXXX provided service to pay my bill only to be rejected. Given this is my first time purchasing a XXXX and using Toyota financial services, I am extremely disappointed to be writing this letter.
XXXX XXXX and XXXX XXXX is reporting duplicateaccount on my XXXX, XXXX and XXXX Credit reports, The amount owing on the account was {$60.00} not {$220.00}. Have contactedthem several times and they have refused to remove this falseinformation. I have contacted all credit reporting agencies regarding this matter also. Please delete incorrect information.
I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX2017. This was a {$800.00} loan. The annual percentage rate of 478.9907 % which I did not know about. Now I just received a email saying that my overdue balance is {$1300.00} I tried to pay in full at the beginning but was unable to because they were giving me the run around.
I have contacted all XXXX credit bureaus in reference to several accounts on my credit report it has now been over a year and still the items remain on my credit report and they have yet to respond to any attempts I have made in regards to the errors on my report
foreman financial gave someone else a auto loan in my name on XXXX/XXXX/XXXX for the amount of {$19000.00} after I contacted ( XXXX ) which is the supervisor for the finance company he ran my credit once again knowing that I had already made a police report and also made a report to the federal trade commission for identity theft and two days later XXXX called my place of employment harassing me. and every time I called back to speak with him his staff XXXX XXXX XXXX XXXX would give me the run around and continued to hang up on me