WillisBack/dataset-financial-user-claim huggingface dataset:
I have written all XXXX major credit bureau 's at least 3 times each trying to clear up my credit score. Since their responses are so similarly obfuscating and unresponsive, I believe that they illegally work together! Please investigate them for illegal collusion! 

My credit history used to be excellent until XXXX loans I took out on condominiums in XXXX, XXXX were defaulted upon. I did sign for these loans, HOWEVER, I was scammed out of ownership of these properties. I do not own them. 
They are owned by my former accountant, XXXX XXXX and his wife, XXXX. That information can be easily checked. ( They were supposed to have been owned by an LLC that we owned equally, along with XXXX other condominiums in the same complex, however that was either not done or illegally undone. ) I diligently tried to work with the XXXX banks originally involved ( XXXX, XXXX and XXXX XXXX ) to buy the loans from them or to cooperate with a repossession. The banks recurrently failed to follow through on our ( mine and an attorney ) discussions. 
There were also title issues ( the XXXX condo 's were in XXXX different XXXX buildings for which the legal addresses and the street addresses of the XXXX were mixed. ( " We '' owned all the properties so it should not have been a bug issue! ) I also tried to help resolve this issue and hired an attorney. He too could not get the banks to cooperate. 

The Mandelblatts have, recently, resolved XXXX of the XXXX loan issues. I am not involved. 
XXXX XXXX informs me that he is willing to resolve the last loan, but the bank is refusing to work with him, but is trying to resolve the property tile issue. 

I would like my good credit score restored. The credit bureau 's seem unwilling to understand or accept my plight. I pay MY bills. 

I pay the mortgage on my home ( which they bizarrely claim I dispute along with the XXXX loans! ) I pay all my other bills on time. I simply refuse to pay for mortgages on properties I do not own. 

I refuse to accept that my credit score should be impacted by this when the holders of the mortgage debt refused to work with me to resolve the problem and could have been made whole. ; the properties have sufficient equity to fully reimburse the creditors. They just refuse to cooperate and/or act. 

I have lost over {$250000.00} and the banks are not at risk of losing a penny if they work with me or use their legal authority. I should not have my credit history and ratings destroyed because I was scammed and the banks either are ( XXXX of the XXXX ) or can be fully reimbursed. 

Please help me get through to the credit bureaus who are jointly deaf. I want my good credit ratings restored. 


XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Temporary address ( expected until XX/XX/XXXX ) during my remodel : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
On XX/XX/XXXX I apply with Bank of America credit card in which I am a customer and Financial Institution declined my opportunity to obtain credit card. 
I told Bank of America rep that I had a Bankruptcy Chapter XXXX that I filed because uncircumstances of past debts collection, medical bills and my XXXX XXXX. 
I told Bank of America that I am XXXX XXXX  and Retired.I had a phone conversation from my cell phone XXXX with Bank of America and my conversation was pre-recorded with Bank of America. 
On Saturday.XX/XX/XXXX I received a denial of credit rejection letter from Bank of America rejecting my credit application for a credit card because of my XXXX Retirement and filed Bankruptcy that I file on XX/XX/XXXX and it was discharged on XX/XX/XXXX. 
Bank of America pulled my XXXX credit report on XX/XX/XXXX and letter stated my score was XXXX. 
Now, that I have been rejected my credit scores went down and my credit is damaged by Bank of America rejection in obtaining credit. 
Why pulled my credit if I told Bank of America that I am XXXX XXXX   and I have a Bankruptcy chapter XXXX.on my credit report.? 
As a XXXX XXXX American and XXXX XXXX XXXX XXXX I am devastated by Bank of America rejection in me obtaining a credit card. 
I don't have Bank of America credit card, my denial reference number XXXX with last four # XXXX Urgent Matters
Hello, I am an unfortunate customer of Rushcard/Unirush LLC. I have XXXX direct deposits that are missing from my account that have yet to be posted and I am being told by rushcard that they dont have the funds and cant do anything. My weekely pay check has been deposited into my rushcard acct seemlessly for the last year up until the rushcard " system update '' on XXXX/XXXX/15. Every since this supposed update I have not been able to accesing my existing funds or any deposits made. I should have had a deposit on XXXX/XXXX/2015 and a deposit on XXXX/XXXX/2015 neither of which are reflected in my balance. I have called rushcard several times being on hold for countless hours at a time and have been informed on my last call that they dont have my funds and there is nothing they can do. I have verified with my employer that the funds were accepeted by rushcard into my account so there is nothing they can do because the funds havent been returned. At this point I am exhausted and disgusted with the entire ordeal. The stress this is causing me isnt worth me to continue to call them and deal with this. I have had several automatic Billpay payments returned, I have no food, no gas and I have no one else to borrow from. Im hoping my complaint doesnt fall on deaf ears and I will one day see my hard earned money.
My parents have XXXX certificate shares accounts managed by Wells Fargo ; XXXX account is a single account in my deceased father 's name and the other is a joint tenant account. I am currently the Power of Attorney over the joint accounts and I am trying to move the accounts into the family trust. My mother is very sick and we need to access the money to pay for caretakers. Wells Fargo is refusing to issue the medallion stamp required to make changes as we do n't have an account with them. They sent me to my bank, XXXX XXXX XXXX. They no longer issue medallion stamps. Their affiliate, XXXX XXXX, will not issue a medallion stamp as I do n't have an account with them and would need to have an account for 6 months. I called Wells Fargo again today and was told the medallion stamp is necessary so they " wo n't have to deal with the extra paperwork and I would just have to comply with the other agencies requests/guidlines. '' I explained my mother is very sick and I feel she is being denied access to her money so she can pay for the care she needs. She will be dead by the time six months is here and then the accounts will go into probate costing the family even more money. I was advised to keep making phone calls and find someone. They are not flexible. We are being denied access to our own money.
I have no idea why we got a debt collection bill for {$7.00}, when I paid this bill off over a XXXX ago, and never even got any recent bills for this amount. No idea where this came from and will be very angry if this affects my credit.
This complaint is in reference to the calls and letters I have received for student debt accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. United Guaranty has called and sent a letter stating that I have not paid the monthly bill for XXXX, XXXX, XXXX XXXX. This is not accurate as I have paid these bills each month. Please note that I have written several letters at this point over the course of several months asking for my account to be updated as I have missed NO payments dating back to XXXX XXXX when I found out my loans were sold to United Guaranty.
Chase denied all requests for assistance to help me maintain ownership of my home, I lost my home due to foreclosure. My savings depleted and I am homeless.
I sent documents requesting to have my address and employer updated on my credit file and It was refused. I also called and spoke with someone and my request was refused after answering security questions and on hold for 45 minutes. This happened on XXXX out of the XXXX credit bureaus. XXXX did update my address but the other XXXX refused my service ( Equifax and XXXX ).
I was contacted by a 3rd party called R3 Processing to consolidate my federal loans and make monthly low payments based off of my income. They told me that I would make monthly payments of {$41.00} for 240 months until my federal loans were paid off. They did consolidate my loans with a company called XXXX. XXXX in turn consolidated with my loans with XXXX. I got in contact with XXXX this morning and they told me that I was n't due to make a payment for 1 year. When I heard that, I was confused about where the {$41.00} was going exactly. XXXX informed me that 3rd parties do not have access to pay any student loans and are not responsible for them. So the {$41.00} is not going to my loans like they said they were, but going to R3 processing directly. I then called the number that R3 processing provided for me and they were both disconnected. I emailed the account manager- XXXX who I spoke to previously when I was setting up this consolidation with them, and asked him to give me a direct number to reach him. He did and I told him I got in touch with XXXX and told him what they told me about not having to make any payments for 1 year. I asked him where that money was going directly and he said it is a fee for us doing your paperwork. I was never told about any fee, and if I had knew about a fee I would of never signed up for their services. He lied about that money going towards my loans. XXXX informed me that there should never be a fee to consolidate any loans and that the 3rd party who contacted me are most likely running a scam. They also told me I can consolidate on my own at no cost.
This is a secure Discover credit card which I opened with a {$300.00} security deposit in XX/XX/XXXX. In XX/XX/XXXX, I filed for chapter XXXX, which resulted in Discover closing my card account. I contacted Discover around XX/XX/XXXX to inquire about getting the remaining balance of my unspent security deposit refunded back to me, approximate {$53.00}. I was told by Discover that I needed to wait for my discharge before I could get my money back. I again contacted them near XX/XX/XXXX and was told that they did not update their system with the discharge date and I would again need to wait again, since they just now did so. I again attempted to contact them today, and was told that they applied a balance to my card account in XX/XX/XXXX, and the statement closed in XX/XX/XXXX, and I would again need to wait. To date, it has been approximately 6 months that I have been waiting to receive the unspent balance of money that I gave to them last year, and they have done nothing but give me the run around whenever I call them.
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your XXXX/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to XXXX  XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with XXXX XXXX XXXX ( Ref #  XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of XXXX XX/XX/XXXX and to this date no reply or update has been provided. Lastly, Capital One did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date Cap One has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.
The payroll dept sent me an e-mail stating in XXXX weeks XXXX XXXX XXXX was going to start a wage garnishment from my payroll? I had no clue what she was talking about? I never received anything from them? No paper work no letters NOTHING!! They already took out the first payment of {$300.00} which she stated they requested every two weeks. I do n't have money for an attorney so I do n't know how to stop this? I have tried calling several times with no results. I mailed a letter to them with no results? If they continue with this garnishment I will not be able to pay for my car payment then I will be out if a job! How can companies like this purchase old debt and immediately start a wage garnishment. I am more than will to pay any old debt but not in this manner. I live from pay check to pay check. Half of my income goes straight to pay the rent on my apartment. Please help!!! I also noted they have my address that I lived at XXXX years ago
My husband and I were told by our CPA to go with Quicken Loans to refinance our home to get a lower interest rate. My husband is XXXX and working as a full time XXXX, I am an XXXX and in my XXXX. We both have near perfect credit scores. Starting back in XXXX, we agreed on a fixed interest rate with Quicken. Since XXXX up to the present date, Quicken required us to provide an ongoing stream of documentation to prove our credit worthiness ( despite our having a joint income of {$500000.00} annually ). Some of the documents they asked for went back as far as 30 years. The list never stopped, and sometimes they asked for duplicate documents. We provided all documents, but even after providing more and more documents, they would raise the bar, and ask for more documents. Then, this past week, they told my husband that we would have to negotiate another fixed interest rate, and more documents would be needed! I notified Quicken that we will no longer deal with them. I also feel enraged. It is my belief that this is how Quicken discriminates against individuals, who they decide that they do not want to loan money to. They keep a battery of employees that continually ask for more and more documents ( presumably hoping that either the individual ca n't produce the documents, or that they will find something to justify not extending a loan ). I might also add, that their advertisements mislead people into thinking that their loans will be relatively easy and without a lot of paperwork - quite the contrary. I believe that my husband and I were discriminated based upon our ages. I can not express the anger I feel towards Quicken. I had misgivings in the beginning, but we relied on our CPA. It is a junk company and I belief rife with insincerity about its loans.
I was in the middle of purchasing a house when I received a communication from my agent to wire down payment for a quick closing. Well, I did not know he got hacked and it was a scam. I transferred money from my XXXX account to an account in bank of America. After I was notified that I was scammed by bank of America ( apparently they already knew there was something wrong with that account and did not do anything about it ) I requested information when I was notified that I will not receive it and I have to report it. I opened a police case, FBI case and my XXXX XXXX requested a recall. 40 days is passed and basically everyone including FBI is telling me that they have no power over bank of America to get even the slightest information. I am sitting ducks here and no one is giving me any information about XXXX dollars that is now disappeared in the name of protecting the privacy of obviously scammers. Good to know that as tax payers we have no rights. More importantly, even government agencies have no power to get answers from these banks. I guess everyone is giving me the answer that I should spend more money on lawyers to get some answers.
I 've asked XXXX to ensure the information on my report to verified, accurate or otherwise removed from my report under the Fair Credit Reporting Act. 1st attempt was via email in which no removal was made only " Updated '', confirming there information was indeed incorrect. Next letters was sent through register mail, which a result of " Verified '' to account which they updated in previous dispute. I has asked for original copy contracts which XXXX must have on file and received nothing to day. Last correspondence stated XXXX will no longer investigate any further on the specific accounts I have already disputed. These oversights have cost me to be decline for credit. I have also at XXXX  request reached out to Debtor citing " Debt Collection Practice Act '', Section 1692g, and as of today never received a response. Which bring to question XXXX 's verification process. Information has been duplicated with same account number with different variations of Debtor company name.
I The consumer selected a vehicle on line offered for XXXXThe dealer increased the price to XXXX Unaware that the total loan of 72mo =XXXX. As of XXXX2017 the pay is XXXX. Paying XXXX/no. ,
I was solicited for a bonus offer from American Express. However upon application, I was instantly denied due to prior cancelled accounts. If Amex knew I would n't be approved sure to prior history, why am I being solicited in a deceptive manner. This seems very unfair and hurtful considering I was solicited directly by the company.
I have two store credit cards that where placed on my credit report from XXXX XXXX. The accounts where not opened by myself. I've tried numerous times to dispute these items off my credit report to no avail. I have attached a copy of my FTC report. 

The account in question are : XXXX XXXX
I sent following email to Experian with the subject of " Correct my score " .I got these scores from Experian website and I paid them to get these scores. They sold it as three credit bureau score. And clearly written there they are based on fico score XXXX. 

In reply they sent me a email explaining the difference in score models. 
As you can see in the following email from them. And clearly ignored the real issue. 
that why there is so much difference in score when credit reports are similar, and were based on Fico score XXXX. 

Correct my score Hi, My credit report of Experian is identical to my credit report of XXXX, and they both are based on Fico score XXXX. My score at Experian is XXXX and my score at XXXX is XXXX. 
This is a difference of 46 points. This difference in my score is from almost 2 years since I started noticing that. 
My credit score at XXXX is XXXX. also based on Fico score XXXX. 

My question is please tell me why there is difference of 46 points. 

XXXX XXXX Dear XXXX XXXX : Thank you for contacting XXXX XXXX XXXX regarding your FICO Score. 

We understand your concern that the Score you received might be different than one you received from a lender. 

FICO Scores are developed by XXXX XXXX XXXX. The FICO Score provided by Experian is based on the FICO XXXX scoring model. Many but not all lenders use the FICO XXXX scoring model. 

There are many different credit scoring models that can give a different assessment of the credit risk ( risk of default ) for the same consumer and credit file. Your lender or insurer may use a different FICO Score than FICO XXXX, or another type of credit score altogether. Just remember that your associated risk level is often the same even if the number is not. 

At present time my score at XXXX is XXXX and at XXXX  is XXXX But my score at Experian is XXXX when credit reports are similar. This is difference of more then 100 points. No matter what Scoring model is used here difference is very big. 

XXXX XXXX XXXX XXXX XXXX 
XXXX, Ca - XXXX ( XXXX ) XXXX XXXX XX/XX/2017.
This issue is for believed fraudulent activity committed by Coinbase. There is a double charge on my checking account from Coinbase. On XX/XX/XXXX I bought {$500.00} dollars worth of Ethereum ( ETH, a cryptocurrency ) from Coinbase from my XXXX  Debit Card, linked to my Checking account, and the transaction went through no problem. I received my Ethereum. Today, XX/XX/XXXX an  UNAUTHORIZED {$500.00} was withdrawn from my Checking account by Coinbase. I did not buy any product from them. This withdrawal on XX/XX/XXXX was not authorized by me, and is NOT listed in my transaction history on Coinbase. I did not receive any product from Coinbase. I submitted a support ticket with Coinbase detailing this fraudulent activity. The support ticket is # XXXX, submitted around XXXX EST on XX/XX/XXXX. They have not responded to my support ticket or deposited the {$500.00} that they withdrew back to my checking account. Attached is my statement balance from my Checking account. I bank with XXXX XXXX  XXXX XXXX XXXX XXXX. I removed my Account Number from my attachment.
To whom it may concern ; I appreciate the email dated ( XXXX/XXXX/XXXX ) addressing some questions ; but avoids the real issues. As a consumer this is how it looks ; 1. We decided to participate in the XXXX XXXX program with the understanding that the award miles could be used to book flights with the XXXX partners ( XXXX ) under their current advertised mileage per seat/class. To our destination one way is XXXX miles for XXXX XXXX. 
2. We qualified for booking on XXXX/XXXX/XXXX or 332 days prior to our scheduled flight date of XXXX/XXXX/XXXX. 
3. Since this date, I have called every day to be told that XXXX does not have any inventory available, unless you book non-rewards. It is evident that availability is there, but not for REWARDS travel. 
4. I am told that AA has mileage rewards and can be booked at a higher cost ( more than doubled the cost ) at XXXX XXXX way for same class. 
If this is a partnership under one program, or advertised as such, and XXXX allows to book on their flights using mileage rewards at a higher cost, but XXXX does n't, then the consumer ( s ) in the program is forced to take the higher cost reward. In the real world, this is called " extortion ''. 
And of course, the award mileage levels will change on XXXX XXXX, XXXX. So, I would assume that any inventory that might become available would be after XXXX XXXX, XXXX.