WillisBack/dataset-financial-user-claim huggingface dataset:
There are 5 Hard Inquiries on my TransUnion credit report file that I did not authorize. I got notification that my personal information was used on the black market and when I obtained a report of my credit file I seen these hard inquiries. 

1. ) XXXX XXXX ( Finance ) ( XXXX XXXX ) 2. ) XXXX XXXX ( Finance ) ( XXXX XXXX ) 3. ) XXXX XXXX ( Bank ) ( XXXX XXXX ) 4. ) XXXX ( Finance ) ( XXXX XXXX ) 5. ) Trans Union ( Misc. ) ( XX/XX/2017 )
Bank of America is holding {$12.00} XXXX attachment ) as Bank of America XXXX damaged my home. XXXX XXXX attachment ) roof, broke my front door down. I made a claim with my homeowners insurance company, Bank of America told me that they will foreclose on my house instead of releasing the funds owed to me. The police investigated the Bank of America XXXX damages and break in : The XXXX incident number ( XXXX ) was generated when XXXX of our officers responded to your property when a neighbor reported a suspicious person walking around the residence. 
The XXXX incident number ( XXXX ) was generated by XXXX XXXX at the time you spoke with him about the Bank of America XXXX XXXX burglary.
I just opened a XXXX XXXX and noticed Derogatory marks from Americollect XX/XX/2016 saying I owe them {$440.00}. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this so called loan. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
I received a letter requesting proof of flood insurance, I followed instructions to upload the flood declarations page as our flood insurance is covered under our HOA. I also faxed it to be double sure since I have no confidence based on past terrible experiences with Roundpoint. A few weeks later I received another letter stating I didn't provide proof so I uploaded and faxed again. Now I received a notice of Lender Placed Coverage charging me over {$2100.00} and stating it's because I never provided proof of flood insurance. Today I called and was hung up on 3 times. I went on their online chat and was told to now email the declaration page to insurance@roundpointmortgage.com which I did. I followed up with a phone call and was on hold over ONE HOUR and then person told me the document I sent was not what they were looking for. However, I am the treasurer of the HOA and provide the same document stating proof of flood insurance for 15 homeowners and it is sufficient. In addition, I looked back at my emails and I had the same issue last year with them with the exact same declaration page with last year 's dates. I feel that I am being scammed and don't know what recourse I have to stop this charge.
This Company is a total Scam. They promised to consolidate student loans into a lower payment and charge a monthly fee. They make it seem as if the amount you are paying is going towards your student loans. In fact, they keep all of it and loans go into default.

Also, they use abusive and illegal telemarketing to sucker in customers. They call several times a day on my cell phone which is on the do not call list. All of those calls are violations of the TCPA. I have already reported them to the XXXX, the California attorney general and no one seems to care.
The original request for payment from the debt collector was mailed to me on XXXX XXXX. I mailed a request on XXXX XXXX to verify and validate the debt. I received no communication from this company. On XXXX XXXX I sent another letter indicating the I had not received the information in the 30 days allowed by the Texas Debt Act as such the debt was invalid and to stop collecting practices. On XXXX XXXX they placed the debt on my credit report as a unpaid collection. I later found out that they do no have a surety bond allowing them to collect debt or do business in the State of Texas. In fact it was cancelled XX/XX/2015 so any and all business within the State of Texas is being done illegally.
I recently viewed my credit report and found a debt listed by Diversified Consultants for {$1000.00}. I mailed a Debt Validation Request via return-receipt mail on XX/XX/2017. The company did not respond. I have no knowledge of this debt.
Had my auto loan refinanced, the refinance company paid off the loan, and the original creditor reported my account has 30 days late to XXXX major reporting agencies, which my my XXXX score drop by XXXX points, after the loan was paid the original creditor called and said I owe {$76.00} to close the account I paid the amount and considered it closed, but the still reported it as late.
I went to a dealer that uses Chase Auto Finance as their captive lender. I purchased an add-on optional insurance product in the amount of {$690.00} and paid for that product separately on XXXX XXXX, 2016 while leasing my vehicle. Under the terms of the agreement for the insurance I have a 60 day right to cancel. I have diligently attempted to cancel the product without success. On XXXX XXXX, 2016 XXXX XXXX XXXX ( Chase ) sent me a letter stating that the Optional Insurance product was incorrectly stated on my lease and the total charge is {$690.00}. When I called Chase, I was told that the down payment amount was not applied to my lease ( I do n't know how that is relevant ) and the {$690.00} for the optional product was not factored into the lease payment calculation. 
The amount I paid at the time of the lease closing was : the first month 's payment of {$370.00} plus trade-in of {$500.00}, plus the {$690.00} optional product and taxes etc for a total of {$1600.00} which was charged to my XXXX XXXX. Not only can I not find an address to send a written complaint, when I called and requested XXXX I was given a XXXX XXXX XXXX This is literally the most complicated, convoluted process I have ever encountered. On a closing note - what type of oversight does Chase have with their dealers? The gentleman who I worked with told me " You wo n't understand this so I will just go over the important parts '' when reviewing the terms of my lease.
My paypal account has been frozen with money in my account. I have been accused of money laundering.
It was on XX/XX/XXXX at XXXX XXXX when I lost {$800.00} due to fraud. I had noticed someone selling an XXXX XXXX for {$800.00} on the XXXX XXXX. I asked if it was still available. He then said it was and that the only way to pay him was through XXXX. He asked me that he would meet somewhere after the payment was sent. He then sent me pictures of him leaving his apartment and even recording himself stepping in his vehicle. That assured me that he was a legitimate seller. After the money had been sent, he then sent me screenshots of him accepting the money and even offered to call me. He called me soon afterwards and told me that he was on his way. I waited for him in a College parking lot. Minutes began to pass. I sent him messages if he was going to come. He sent me screenshots that he was minutes away. Then after an hour had passed, I proceeded to call him again but the phone number was unavailable. I then called him with XXXX XXXX  and the last thing he said was " Why did you end the group chat '' before blocking me on XXXX. On XXXX, there are the photos and the video he sent me along with other victims he tried to scam as well. He also sent photos of other XXXX  and XXXX accessories that he was offering to sell as well. I believe those were stolen as well. I tried my best to contact 6+ people and warn them that they are speaking to a scammer. I couldn't find them. After I realized that I was a victim of fraud, I called Bank of America and told them what had happened. They created a claim and gave me a claim number. The female representative assured me that this would be resolved within 10 business days. I reported the seller on XXXX as well. Today is XX/XX/XXXX and have received a letter from Bank of America from the Dispute Resolution Services. They stated " Our records indicate that we initiated the transfer in accordance with your instructions. As a result, your account will not be credited for this claim. '' I feel as if they didn't conduct a thorough investigation and proceeded to not take this claim seriously. I have the seller 's number, name, screenshots/photos, video, and chat log still with me. I believe Bank of America should consider their customers a priority rather than simply giving them the bad news.
For the past 2 years I have tried contacting both XXXX XXXX XXXX and XXXX notifying them that they are both reporting the same mortgage delinquent. I am currently in litigation with the parties and feel this is their attempt to be spiteful. I have submitted disputes through Equifax and the continue to report that my information is correct and that I have XXXX delinquent accounts. I can no longer dispute the item any more and is destroying my credit score.
I am a XXXX credit card account holder. I have called in to XXXX  credit card customer service on multiple occasions requesting to have my payment due date changed to 2 days later to coincide with my paycheck schedule, and XXXX continues to fail to change the date, which then they charge me a late fee every month. Today they told me that they REFUSE to change my payment due date because my account is {$0.00} ( less than {$1.00} ) above the credit limit, which is due to the late fee XXXX  charges me because they refuse to change my due date. Every month they refuse to change my due date and then charge me a fee for late payment. I believe this is unfair practices for a credit card company to REFUSE to change a due date and then charge me a late fee every month.
I used PayPal Credit to finance the purchase of a IPhone 6 on XXXX. PayPal Credit promises protection when buying online and this encouraged me to use PayPal Credit when purchasing from XXXX. I received the IPhone XXXX and after a short while, XXXX " LOCKED '' the telephone due to some fraudulent activity by the prior owner. I could no longer use the IPhone. I immediately contacted PayPal Credit for assistance in combating the fraud perpetrated upon me. Also I am still paying off the IPhone by using XXXX XXXX 's 18 month payment plan. XXXX XXXX refuses to assist me in getting credit back from the seller because PayPal Credit claims that 14 days had lapsed prior to me contacting them. However, TMobile did not lock out the phone during the first 14 days. I relied on PayPal for this type of fraud protection. 

XXXX XXXX, 2016 XXXX - XXXX XXXX XXXX XXXX -negative {$560.00} Payment Paid withPayPal CreditXXXX x {$35.00} Make a PayPal Credit payment Shipped to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX your shipment XXXX XXXX, 2016, Sent by XXXX : ShippedTransaction XXXX Seller XXXX Ambulance XXXX XXXX ( XXXX ) Your purchase New Sealed iPhone 6S XXXXGB - Space Gray ( XXXX ) {$560.00} Item # XXXX Shipping {$9.00} Tax {$0.00} Purchase total {$560.00} Fee {$0.00} Total {$560.00} Need help? First contact the seller through eBay to try resolving the problem. If it 's still not resolved, go to the XXXX XXXX XXXX. You may be eligible for purchase protection.
A few months ago I had requested my credit report from Experian but for some unknown reason I was n't able to get it from them so I just went online and got my report from some website instead. 
I ended up filing some disputes with Experian because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least 2 months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have one I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within 30 days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than 30 days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
I have boxes full of communications from  XXXX  yet although I have been in touch before they continue to claim they can not process my requests continually asking for varied forms Of ID - as if that would stop a crook! My opinion is they have numerous delay tactics such as you can not get through via internet or phone and certainly this! In my opinion they are complicit in the lowering of credit scores not only for me and mine but all Americans having the protection of saying they have nothing to do with anything they just report! If so who do they SERVE the consumer or the lenders! Furthermore I have in writing multiple correspondence stating fraud alerts were placed on the accounts by all  XXXX  agencies, removed by Transunion prematurely and then put back and after that failed I finally placed a worthless security freeze which theycevidenyly ignore or do not know of! Secure my credit from ME!
I filed for bankruptcy XXXX XXXX and it was resolved XXXX XXXX. After the bankruptcy my mortgage from XXXX was given to Seterus XXXX XXXX where I received monthly mortgage bills until XXXX XXXX to which I paid. According to Seterus I stopped receiving mortgage bills because of the bankruptcy. Seterus strongly encouraged me to refinance. I was not approved for a refinance. Between XXXX - XXXX my salary dropped significantly and I fell behind on a payment to which I made up three months later. XXXX XXXX I separated from my job because of medical difficulties. I immediately notified Seterus. They notified me that a modification would work in my situation if I were behind in payments by one and a half months but because I was current they could n't help. I did not pay one and a half months to qualify for the modification. I was denied the modification because I did not have employment although I had savings that I was supporting myself and family. If I were told that not having current income would ALSO deny me for a modification then I would n't have missed the payments to qualify. Seterus told me that it was a common rule not to accept modifications if a person had no current income regardless of savings. They told me that I should continue to pay the mortgage and notify them when I gained employment ( XXXX XXXX ). I did and set up a payment plan to repay the month and a half I was behind. Mind you I still had n't received a mortgage bill so I was not aware of how much was going to my arrears and what was going to fees. Last I checked with Seterus my arrears was down to about {$800.00} in XXXX. My payment is {$1200.00} and I have been paying {$1300.00} since XXXX to continue to pay on my back payment in good faith. XXXX XXXX I paid only {$600.00} on my mortgage due to car maintenance and have every intention of making up the XXXX payment at the end of the month. I received a letter in the mail stating that I owe {$1900.00} in back payments and if I do n't pay in full by XXXX XXXX they will begin foreclosure proceedings. Since my repayment issues ( due to their misguided advice ) I have no idea where my payments toward my arrears are going. Is the {$1900.00} for the XXXX payment + past arrears + XXXX arrears? Their is n't a person handling my bankruptcy account that I can talk or email directly. The telephone number constantly refers me to the web-site that has a tendency not to work by freezing five minutes into searching for information about my account. The customer service line places me on hold for a half hour or more. Seterus is aware of this web page malfunction that 's been happening since XXXX when I unwillingly became a bankruptcy mortgage customer.
I Requested XXXX XXXX  Close my account in XX/XX/XXXX due to fraud and unauthorized user. ( My conversation was recorded with my Bank Manger conferenced in with XXXX. They did not close the account as promised until XX/XX/XXXX nor would they retroactively do so. Every time I close an account they open a new one and allow fraudulent charges to be transferred to new cards, at least six cards I am aware of. They lost my initial fraud report and have not reimbursed me nor can tell me when I will be refunded. My credit has been adversely impacted such that I can not get a job or new credit. Prior to this incident I had excellent credit in that my balances were paid on time in full every month. Despite having a XXXX XXXX XXXX which I believe has zero liability I am being held liable. They refuse to provide necessary documentation showing multiple frauds so I can apply for a new social security. My bank account was breached as well. While they admit orally to fraud they will not provide anything in writing or agree to blocking my account.
XXXX XXXX XXXX has reported monies owed to them. We moved early in the month due to an apartment available through Housing Authority of XXXX XXXX XXXX who in fact sent an agent to inspect prior to our acceptance and he said and I quote i dont need to see anymore im familiar with these apartments XXXX and had to accept or lose our place on wait list. XXXX Properties kept our {$500.00} deposit and made no attempt to contact me. I just seen this on my credit report through Credit Karma. Not only does that cover the month but that company made no attempt to repair anything that was needed since we moved in a little over a year. This included faulty oulets which sparked every time they were used in fact two outlets had the top plug working properly in the entire two bedroom apartment, a broken window due to a gun shot that happened prior to moving in ; never fixed, mold and deteriorating wall due to water leak through patio door, cockroach infestation, etc. I feel in no way did we leave them " HANGING '' so to speak. The {$500.00} deposit they kept should have sufficed that slumlord and we left it clean!
This company sent a letter on XX/XX/2018, and when I contacted them regarding the letter, I asked for them to validate the information, the debt, the amount, and that it was mine. They were not able to do so and I was told to contact the creditor. The letter stated that if I dispute the validity of the debt that I have 30 days to do so. 

On XX/XX/2018, I received an alert from the credit bureau stating that Diversified Consultants was placed on my credit report. To my surprise no validation of this account was given and I'm still disputing the validity. Per Fair Credit Act I am allowed to validate an account that appears not to be mine and I have 30 days to do so. 

I believe this account is not to be mine, and I need for them to validate it's mine. 

I don't know what is up with collection agencies not validating who they are but asking for money. There should be some legal process to protect us from scams like this.
Navient constantly calls me at work. They spoke to my former employer that works for the same organization I still work for, and my career may now be unstable because of this. They hit my credit so hard that there is no way to refinance through another company. I am a XXXX who is still in the service and they have affected my life so much that I am unable to buy a house for my sons as a single mother and I worked two jobs until a few months ago. They offered me that I could make a higher payment for 120 on time payments if I wanted to be forgiven for my student loans. I have ten years XXXX federal service and 18 years in the military. Nothing matters to the other person on the phone. The calls are relentless. They hound until you just go get a second job because you ca n't survive it. 18 years in the service, and their employees are to be avoided before a XXXX. I ca n't afford an attorney or I would get one. I ca n't file bankruptcy or I will lose my job. Most states wo n't include student loans in a bankruptcy in any case.
Used bank card as CREDIT CARD at XXXX locations and realized the next day I used the wrong bank. I check the account and it indicated PENDING for these transactions. I deposited CASH in account to cover these PENDING charges. Today I went to verify my SS check was deposited and notice XXXX overdraft fees : tier XXXX overdraft item charge of - {$38.00} tier XXXX overdraft item charge - {$38.00} overdraft item charge {$34.00} I called the Bank Manager and ask why if these were PENDING as CREDIT CARD transactions and CASH was put into account before the charges hit my account, why these overdraft fees. She said that is way it works, pending is same as charged. They took off XXXX overdraft fee but left other XXXX tier XXXX overdrafts. 
NOTE : the attached file No longer indicates PENDING but a charge backdated hiding the PENDING status.
Purchased item from Retailer on XX/XX/XXXX that was part of a " Equal Payment No Interest '' promotion period of 48 months along with an exchange program. We exercised the exchange program with the Retailer and paid difference for replacement item on XX/XX/XXXX. Item was to continue as if same original transaction and be on the " Equal Payment No Interest '' promotion period of 48 months with Store Credit Card ( Synchrony Bank ). Statement indicated a " Deferred Interest/No Interest If Paid In Full '' for 19 months for this cost difference transaction. Retailer insists it " coded '' the transaction correctly - should have gone to Store Credit Card Company as 48 month promotion. Store Credit Card Company insists it was coded as 19 month promotion when they received it. 
Vi telephone on XX/XX/XXXX, Store Credit Card acknowledge that Retailer issued notice to them on XX/XX/XXXX indicating the transaction should be 48 month promotion. Store Credit Card Company also indicated that the corrected statement would not reflect change for 2 months and I would be required to pay minimum balance or be accessed a Late Fee. 
I am being required to pay an additional amount for the two months while the correction catches up with the paperwork. Additionally, I will not be given the credit of this over-payment in subsequent billings - my future billings once the correction kicks in will be the original equal payment over 48 months, i.e. if my promotional transaction was 4 equal payments of {$25.00} totaling {$100.00} and I was required to pay an incorrect minimum of {$30.00} for payment 1, my remaining 3 payments would be {$25.00}, {$25.00}, and {$15.00} respectively. 
The initial customer service rep understood the error and attempted to correct the minimum payment requirement, but was unable to do so due to his access rights. The subsequent Account Supervisor/Managers I spoke to were condescendingly belligerent and argumentative ( both the company and I recorded the calls ). They argued that if I did not make the " Minimum monthly payment '' I would be charged a late Fee. I purported that, due to the fact the account was in error and their acknowledgement of such, the minimum should be the transaction amount divided by the number of months per the terms. They continued to argue that the terms indicate that I was required to pay the late fee regardless of any error until the error was corrected.