WillisBack/dataset-financial-user-claim huggingface dataset:
InXX/XX/XXXX, while trying to purchase a vehicle, I was informed, by the bank that my score was different than that reported by XXXX XXXX for XXXX and XXXX. As a result, I was denied credit. XXXX score showed XXXX, Experian XXXX. the bank showed XXXX. I enrolled in XXXX to try and get a more accurate score. {$19.00} month subscription, plus {$29.00} to get all three reports. those scores have been consistent as to what XXXX XXXX was reporting, along with the score reported by my XXXX XXXX credit card, XXXX XXXX XXXX, and XXXX XXXX ( credit monitoring by XXXX XXXX XXXX ).
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After doing some things to boost the score. Yesterday (XX/XX/XXXX ) I checked my scores on XXXX, my scores were, XXXX XXXX, XXXX XXXX, and Experian XXXX. I went to XXXX XXXX XXXX XXXX XXXX to try and refinance my rv. With the scores showing on the XXXX site, I would have been eligible for the financing. I was informed by the bank I has an Experian Score of XXXX ( 98  point difference ) and was given a copy of the report. I was denied. I went outside and enrolled in Experian Credit tracking. {$20.00} a month. Their 3 scores were XXXX XXXX XXXX XXXX ( the only one in the above range ), and Experian XXXX ( not a XXXX ). I called the support line for Experian. She stated that there are 1000 's of scoring models and that the banks and dealers can essentially make up their own scores and they cant be held to the scores they post. she also stated, that in their system, there were 4 different models, one of which showed a XXXX score. I would have NEVER gone to an institution with a score sub XXXX. I have bought 3 new vehicles sinceXX/XX/XXXX. two were at 18 % ( with the same bank ) and the most recent, 16.1 %, which the dealer called and friend at the bank to do the loan. I got it refinanced last week at 12.99 %. I have had 1, 30day late payment in 5 years. yet my score stays hovering around XXXX. And banks see an even lower score than that. This scoring in costing me {$1000.00} 's in interest. I spoke with a credit repair lawyer yesterday after all this, he stated that I need to go into the banks KNOWING my score will be 50 to 70 points lower than showing.
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there are 2 scenarios that are happening 1 ) the credit bureaus are defrauding the customers by making issues for you to keep paying for their services.
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2 ) banks are not abiding by the fico score system they say they use to charge outrageous interest rates.
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3rd ) both I should see
Debt has beet settled or written off, it has been many many years since it, s closure. 
This company still trying to collect even after they have been notified and are aware of the situation, dates, info. etc. 

Excessive calls at all times of the day even late nights, early mornings and weekends, I want this to stop calling and to update their system and information.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

Bankruptcy : Dismissed CH-XXXX XXXX  : XXXX-XX/XX/XXXX XXXX  : XXXX Chapter XXXX Bankruptcy Dismissed Transunion : XXXX, XXXX HOSPITAL XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX  : XXXX, XXXX XXXX  : XXXX, XXXX XXXX. Transunion : XXXX, XXXX XXXX  : XXXX Transunion : XXXX, XXXX HOSPITAL Transunion : XXXX, XXXX HOSPITAL Transunion : XXXX, XXXX  XXXX  : XXXX XXXX  : XXXX Transunion : XXXX, XXXX  : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX  : XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX XXXX, XXXX XXXX.
On XX/XX/XXXX I sent a letter to Experian Security Freeze requesting a freeze be placed on any file concerning my wife and me. I included all information Experian requested except the SSNs of my wife and me. I was able to effectuate a freeze with XXXX and XXXX without disclosing either SSN of my wife or me. 

Experian had steadfastly refused to grant the freeze by using alternative questioning in lieu of providing the above mentioned SSNs. Ironically their last mailing to me contained the last 4 digits of my SSN. I  need them to freeze any creditfiles they have on my wife XXXX and me. My last letter to Experian was dated XX/XX/XXXX. Their reply was dated XX/XX/XXXX. I spoke today with someone at Experian but no progress was made.
Called to request equity information for/concerning PMI cancellation. Company refused to help me/transfer me to a loan XXXX that would provide me with this information. Was put on hold for 45 minutes and then Freedom Mortgage disconnected the call. First customer service representative told me to " write a letter '' in order to get me off the phone, but could/would not answer my additional questions. Company is clearly refusing to provide me with loan information.
My Discover card is a card I seldom use, and as a result, I don't check the balances as often as other cards. This card was charged by a merchant incorrectly and as a result, the bill was not paid and resulted in negative reporting against my credit report for the months of XXXX, XXXX, XXXX, and XXXX of 2018. When I contacted the merchant they claimed responsibility and refunds were issued back to the original charged card, the Discover in question. I opened a case with the office of the president to get my credit profile updated with the proper information and they still have yet to do it.
In XX/XX/XXXX I received alerts on my credit a company had added collection account to my report. I never received a dunning letter for me to validate the debt or answer to the debt. I immediately sent a letter requesting proof of ownership of the debt, and proof I owed the debt as I do not owe any money to either companies. The company sent me a letter dated XX/XX/XXXX staying they would cease collecting on this account until they can prove validity. Then three days later they send out another letter stating its valid. They never sent me any information, contracts or proof I owe the debt. I have sent out a additional letter asking them to please remove this debt. I do not owe it. Nor did they validate the debt.
I vigorously dispute the response and closure to my complaint CFPB case #  XXXX  submitted on  XXXX  My original complaint : I received a dispute summary report from  XXXX   XXXX  and I see  Wells Fargo  closed my home Equity loan account #  XXXX  on  XXXX / XXXX / XXXX  with a  XXXX  balance then opened a new loan Account #  XXXX  under a loan type of a '' line of credit '' on  XXXX / XXXX / XXXX  with a balance of {$27000.00}. I never agreed or have any knowledge of this new loan, payment terms, repayment obligations or its association to my once home equity mortgage account.      Wells Fargo r esponse : Thank you for the opportunity to address the concerns about closing any accounts opened without your consent and to rectify the credit reporting. We 've carefully researched this matter and are providing a response. Here are important account details we 'd like you to know. The next payment is due on  XXXX   XXXX ,  XXXX . The account is in active foreclosure. We have confirmed that the account was opened with your consent and your credit is reporting accurately. We wanted to speak with you directly but were unable to connect with you at the phone number   ( s ) provided to us. We 've attached a copy of our response letter.
My dispute to Wells Fargo 's response : 1 ) What next payment? I have no information on this loan from Wells Fargo,   no documentation, no payment notice, no account number info or return address?    2 )  Their is no " Active Foreclosure '' as my home was foreclosed on in  XXXX  of  XXXX  by  Wells Fargo  while I was going though their modification process? yet another false statement.    XXXX  ) The erroneous account was absolutely not opened with my consent and therefore is not being reported accurately.    4 ) Wells did not try too hard to reach me as I called their POC   XXXX   XXXX  at the number provided  XXXX   XXXX  ex  XXXX  ) within their canned  XXXX   XXXX   XXXX  letter to me in response to my complaint and left numerous messages and contact numbers?    5 ) If Wells Fargo does not wish to resolve this issues amicably then I will have no choice but to use this very loan that Wells claims i 'm responsible for to reopen my once settled Pick-A-Payment law suit and use every means at my disposal to ensure Wells  is held responsible for their wrong doings and support of predatory lending practices.
Portfolio # : XXXX MCM Account # : XXXX Document Types : chrgoff I sent a debt validation letter to XXXX XXXX on an account that was erroneous in nature. I have disputed this with all 3 credit bureaus. XXXX XXXX simply sent me a bill as validation of a debt. As the FCRA state clearly and case law validates, any company seeking to collect on an account must establish that the account is accurate and true in nature. A bill can not verify an account. They are refusing to remove this account from all three credit reporting bureaus in violation of the FCRA.
This is in regards to my dispute with Huntington Bank over transactions that are connected to a fraudulent brokerage scheme. This broker claims to be regulated by the CFTC and the SEC. Ive contacted both of these regulatory agencies and they told me that not only are they NOT REGULATED, but its illegal for them to even do business in the United States and that Ive been the victim of a scam. That makes any transaction with them fraudulent. I made deposits via my Huntington Mastercard to a brokerage firm called CloseOption either directly or through XXXX. These deposit transactions have either the description XXXX *XXXX or XXXX. Now, when you withdraw funds from this broker, they issue the withdrawal in the form of a refund directly back to your debit card or through XXXX to your debit card. Or so they say. Ive made deposits totaling {$16000.00} via my Huntington MasterCard. Ive only received {$2700.00} in withdrawals from these jokers. Im missing {$14000.00} in withdrawals/refunds. Thats not including any of my profits which I know Ill never see because this company is fraudulent. But I should at least be able to get my {$14000.00} back through Huntington. When I filed the dispute with Huntington, they closed my claim and only addressed the {$2700.00} in refunds that I received. They didnt address any of the other transactions. They didnt even offer me provisional credit even though its been 10 business days since I filed the dispute. The deposit transactions are as follows ... 

For description XXXX : XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$530.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$750.00}, {$1000.00}, {$860.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} For description XXXX XXXX XX/XX/XXXX {$800.00} XX/XX/XXXX {$1500.00}, {$1000.00}, {$1000.00}, {$1000.00} XX/XX/XXXX {$300.00}, {$500.00} Thats a total of {$16000.00} in deposits. 

I have received the following refunds ... 

XX/XX/XXXX {$540.00} XX/XX/XXXX {$210.00}, {$540.00}, {$540.00}, {$860.00} Thats a total of only {$2700.00} in refunds. 

Im still waiting on {$14000.00} in refunds.
This ticket was actually my sons while driving my car. I paid it to get it off of my credit report and contacted the courts who said it was paid and also sent me confirmation of the payment showing the balance of {$0.00}.
bank of america fraudulent practices and lies are back again.after they change the original contract, they have change it to their own benefits. in XXXX the sent mea new payment much much higher than I can afford they gave me now my home insurance its cheaper it went from {$1100.00} to {$97000.00} my tax for this year and my tax for this year I will be {$1000.00} as you see they still keep making my mortgage payment higher, even my principal is higher. they gave me a loan modification knowing about my XXXX but they are taken advantage of my situation,
I got a piece of mail that said if I started an account with Wells Fargo with a minimum deposit of {$25.00} and made 10 transactions using their debit card ( 2 of which over {$10.00} worth ) within 60 days, 45 days after completed those transactions I would get {$200.00} put into my account. So in XX/XX/XXXX I went to my local Wells Fargo with the piece of mail and deposited {$1600.00} as there is a monthly {$10.00} fee for accounts under {$1500.00}. Within a week I completed the requirements and waited until XX/XX/XXXX when I was suppose to get the {$200.00} bonus deposit and called them as I didn't see the deposit. They said it should show up in the next couple days. I called again XX/XX/XXXX and they said they would get back to me. I called again XX/XX/XXXX, they said they were doing research and would have it resolve. 

I call in again today and they said they didn't even see where they had done research or that I had any history of calling. They tried to tell me a completely different promotion and that I didn't qualify, but luckily I kept the piece of mail and all my paperwork from when I started the account and they had to back track. They kept me on hold the majority of the hour I was on the phone and repeatedly said they were going to resolve the issue today. They finally found my promotion and were asking me if I did all parts of the promotion, which I'm not sure why they are asking me that when they should be looking at my account for if I completed it. Finally they confirmed everything but then said I needed to go to my local branch to resolve the issue ... why didn't they just say that at the start if they couldn't resolve the issue after saying over and over they could resolve it? 

So then I go to the branch, and they tried to tell me the same thing about me not qualifying for some other new promotion they have going, and then I pull out the paperwork and they too back track. After about 10 minutes of explaining 'THEIR ' promotion to 'THEM ' she finally agrees that I qualified and gets on the phone. After sitting there for over a half hour she says she filled out the form and it will be another 7-10 business days. I said " Noway! I've spent almost 2 hours dealing with this today, and this bonus was due to me over a month and a half ago! '' I demanded they credit my account the {$200.00} and they said that only the manager can do that. I asked " will the manager be here tomorrow? '' and they told me " I do not know when she will be in ''.
Prime Business Service is collecting on the same debt as the bank. THey are both reporting and damaging my credit. I have been fighting it and they claim it is valid. I have proof that they are duplicate reporting and collecting. They are in violation of the FCRA. This needs to be fixed or they need to be fined.
In XXXX 2016, I applied for a loan modification to modify my 2nd mortgage payments with Bank of America. 

Bank of America never worked on my submitted loan package. The paper work eventually expired and I had to submit another loan package on XXXX XXXX, 2016. 

Bank of America intentionally, delayed the review of my loan modification for over 60 days. I called dozens of time during the waiting period and got a recorded message of a Bank employee moving from this extension to another extension, and that they would be out of town. 

I finally received a phone call from XXXX XXXX. XXXX XXXX advised me my package was over looked and no one had worked on my loan modification package. 

XXXX XXXX informed me I would need to submit another loan modification package, because the paper work had expired. 

Bank of America intentionally used delayed tactics by not reviewing my loan modification package on time, and causing me to fall further behind on my mortgage payments. 

I lost over 60 critical valuable days by Bank of America not reviewing my loan modification package on time. Bank of America deliberately stalls and delays loan modification reviews so a borrowers fall further behind in mortgage payments. 

It took Bank of America 120 days to review my loan modification package because of the lenders delay tactics to avoid modifying my loan. 

Bank of America is also using these tactics with other homeowners who are applying for loan modifications.
A tenant of mine went to a Wells Fargo Branch Bank at XXXX XXXX XXXX XXXX, XXXX, VA XXXX, Phone # XXXX XXXX, Branch Manager : XXXX XXXX on XX/XX/XXXXHe presented a payroll check # XXXX, Drawn on XXXX XXXX XXXX in the amount of {$2000.00} dollars. The tenant XXXX XXXX was given cash by this branch. The check bounced. We had a joint account ending in # ... XXXX with me at that time for him to direct deposit his rent. We keep no money in the account it comes in we transfer to our rental account. The bank XXXX loss prevention on XXXX deposited XXXX into this joint account, the account was charged XXXX item return fee, then deducted XXXX, then on XXXX charged XXXX overdraft fee for the XXXX return and credited XXXX to the joint account. We closed this joint account. On XXXX the bank unlawfully took {$2000.00} from my personal account ending # ... XXXX. I was told by my local XXXX XXXX XXXX branch that I must to XXXX XXXX branch to get this corrected face to face. 
I did so, a XXXX mile round trip for me. I met with XXXX XXXX the branch manager. Who issued me a deposit ticket for XXXX back into my # ... XXXX account. I thought the issue had been resolved. No such luck. The {$2000.00} was never credited to my account. 
Again this appears to be unlawful. I have been referred to claims dept, research dept. then to loss prevention etc. round and round still no refund of the funds in this unlawful transactions. Please help me to get the funds the Bank Stole from me. I am not the payor or payee of the payroll check. An innocent party. Help. Do I need to go the the federal reserve or my Senator, or can you help?
On Thursday, XX/XX/XXXX, I woke up and found my credit cards at chase ( all five of them ) were closed. Upon calling in the same day, I was informed that due to an " unsatisfactory business relationship '' deemed as such by a Chase affiliate, they had gone ahead and closed all my credit cards and accounts. <P/>I have five cards : Chase Freedom, Sapphire, Hyatt, Fairmont, and IHG. I truly enjoy the service from chase and having these cards, but am very saddened by their closing. They told me I was able to redeem my points for at least 30 days after closure. <P/>I have since received two letters from chase, saying they closed the five credit cards on XX/XX/XXXX, and will close my two bank accounts by XX/XX/XXXX. <P/>Chase has refunded me annual fees totaling {$210.00}. I would rather have kept the cards open and continued using them. I have called numerous times the help lines on the back of my credit cards, with no success ( or help of any kind ), as well as spoken with a chase banker ( at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) early last week ( either XXXX or XXXX ). <P/>I am highly alarmed at my treatment, and am concerned about my points - the Fairmont credit card specified that if I spent {$6000.00} by XXXX, I would earn a free night award. I have done so ( three purchases of {$2000.00} on XXXX, XXXX, and XXXX ) but was repeatedly denied getting those points ( roughly 6,060 points ) as well as the free night award, due to the fact that my statement that would have closed in early XXXX will no longer post. <P/>I am happy to speak with someone about this in further detail. I have never missed a payment, am a loyal customer ( having chase for many years now ), always pay ON or well before statement due date, and generally am a model customer.
I think 90 days is a more than reasonable amount of time for the credit bureaus to do there research to determine that accounts are not valid. I have XXXX accounts XXXX of them are collections that have been merged to my file. Like I said I have waited 90 days and I hoping you can assist me before I take legal action. 
Please aid me in having the XXXX accounts below removed from my profile- so far I have never received a response from Experian XXXX XXXX XXXX
On XX/XX/XXXX @ XXXX CST I received a call from a private number saying I was contacted by a " debt dispatch '' company regarding a debt that was about to reach legal action, in the form of a summons. The lady had no information about the debt ( such as amount, type of debt, the company it was associated with or the age of the debt ). However, they gave me a # to call ( XXXX  ) XXXX and a accnt # XXXX. I called the # that was supplied and the gentlemen who answered told me the debt was from bank of America, of which ive never had an account with bank of America, nor have I ever received a letter regarding such a debt or account. The gentleman, who refused to give his name called me " A Liar '' and stated " Legal proceeding were occurring XX/XX/XXXX-XX/XX/XXXX to collect this unheard of debt. Now, I assumed maybe my identity was stolen. Quite possible, but then when I asked for more information, he said " the account # is XXXX, and that it was from bank of America. I asked for the address of his agency, he refused to give that information. All he said was " This is the XXXX XXXX '' As I was concerned because I have great credit, cleaned it up over the past 7 years, I contacted BOA this morning and spoke to a rep who could not verify any of this info. Now I'm filing a complaint and would love to know how my name and number was accessed and why are they saying I owe a debt, when I don't?? especially without ever receiving any written notice for an account if never had?
Received letter from HUNTER WARFIELD debt collector XX/XX/XXXX saying owed over 3500.00, called and spoke to XXXX who stated I need to file id theft with FTC and submit along with id copy, police report number etc. as I never rented any property, letter had address of XXXX XXXX and he supplied a XXXX XXXX address, both of which have no idea what is and he stated for past due rents/fees and I advised have never rented and do not know what addresses are. 
XX/XX/XXXX, Received another letter, without all info requested per FTC, only a copy of a lease agreement from a XXXX, with several people listed along with name same as mine only different middle name! They could see as inquired on credit, sent id etc, that is not me, yet still want me to pay a debt for these renters unknown to me and obviously not me.