WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a car loan and received varying information from the credit bureaus and the services who monitor my scores like XXXX and XXXX XXXX. 

XXXX XXXX which has which has a service called XXXX XXXX, shows my score of XXXX, XXXX has a service called XXXX XXXX showing XXXX. 

If I go to Experian which I have a paid service, it shows XXXX, XXXX XXXX, XXXX   XXXX. They all have the same negative items and a lot of bad information all together. 
Old and closed credit cards done in XX/XX/2008 when I lost my job, based on a bad economy. 

First off, how can they vary so much with the same information? 

I sent a dispute letter to all three service, based on items that were 10 years or older and bad addresses and wrong past employers. 

Items 8 to 10 old should not appear according to Fair Credit Report Act.

The 3 bureaus replied to those Disputes stating I made payments several years after they were closed, which is totally false. 

Household Income went from a XXXX to XXXX so I could not make any payments having just enough money to make mortgage, car and insurance payments, utilities essentials and food never mind payments to credit cards. 

I was out of work about 4 years and could not make payments to any of those cards at any time. 

I can't help but think they make false payment statement to keep the negative items on the reports as long as they possible can, and the varying scores and information like addresses, employers proves their inefficiency. 

If they are all monitoring the same information how can they be so different, and false. 

Please help because they are once again like our banking industry getting out of control, can't help but think its based on the present administration.
I am behind on my Mortgage payments, I have had poor-paying jobs for a few years, plus mental and physical health issues. Since end  of 2016,  I have tried to work with the Co, to resolve some title issues on my property. I understand that I have the right to request the complete closing docs, from the original closing ; but the Mortgage Co has been very slow and in-cooperative with my request for docs. Finally, after several verbal requests, I was informed to put a request in writing, which I did.  Now there may be  a  Sherriff 's sale on m y property, while I am still being delayed by the Mortgage Co, over my requests for info. I shall probably go forward with the Dee d in Lieu of Forec losure, since I am running out of time, caused directly by the in-cooperative movements by the Mortgage Co. Please advise if I have any leverage over the  Mortgage co. wa sting so much of my time. I do not have any money for an attorney.
I recently submitted a complaint number XXXX and medical data system did not validate the debt it clearly stated in the complaint '' I do not want a copy of a bill because it's not debt validation. As per FTC opinion letter from Attorney XXXX. XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification '' and they sent a bill which is not debt validation and they did not provide a contract i have with their company. ( letter they provided from the above complaint ). The letter do not have medical data system listed any where which mean i am not in contract with them. It is laws in place to protect the consumer against fraudulent companies like medical data systems and I filed a ucc11 and I have no liens placed against my name from them. They is unlawful trying to collect from me. They also stated they sent letter and I had 30 days to respond if that is so then provide the tracking number for the letter sent to me. I do not owe this company and I hope the CFPB and they FTC fine them for not providing validation.They stated they do not own the account and they do not own the debt well they are committing fraud because they should not hold my name. ssn. address in thier database and they are a lie because it clearly says they attempted to collect a debt and you can not say that if the debt don't belong to you. What did medical data loan me of value? nothing, and they need to delete this inaccurate information off my credit report
Exquifax credit reporting is showing 2 collections on the reports for my account. XXXX is showing 1 same issue. I have called and questioned them and was told they could not resolve my issue as they have no opening dates on either account. XXXX is showing 0 collection accounts. Why would Exquifax be showing 2?. I know the Federal Fair Reporting sact requires a credit to remove an item if they can not show an opening date. I hope you can intercede on my beghalf to make sure they report the correct information one of the agencies is called XXXX XXXX XXXX and the other is XXXX  XXXX. Both of yhese item were paid and were supposed to be taken off my report at time of payment. But as usual each collection agency lied and left them up to be reported.
I attended XXXX University. I after my financial aid, i took out private loans to cover the remaining balance. The current loan amount is no where near the amount had taken out originally. Coming out of high school, the ramification of private loan and interest rates was never explained to me. The lowest interest rate at the time offered was Wells Fargo, so chose Wells Fargo as my lender. I was never given an example at any time what my expected repayment amount would be. I took out XXXX loans and all were treated separately. currently i am expected to repay {$950.00} dollars a month. this is almost XXXX percent of my monthly income. Wells Fargo acknowledged this is more than i can afford. Wells Fargo refused with work with me, even though i try my best to ensure my account is current. Their reason is, i have a co-signer. I explained that my co-signer helps with other aspects of my like financially to ensure i can stay current on my student loans. All i asked for was work with my on some type of repayment package, instead of paying XXXX % of my monthly income to just wells fargo.
XXXX has violated Usury laws by charging 13.75 % on a private loan. They then sold my loan to AES and the rate remains the same, not lower. The loan total was taken out at {$10000.00} and now has reached {$12000.00}. I have paid {$12000.00} in interest and yet my loan is now at {$12000.00}. I want this loan discharged, as the interest rates violate the California XXXX rate of no more than 10 %. This loan is virtually impossible to pay with the high interest rates. On top of that, the XXXX XXXX XXXX California - XXXX XXXX put me through unethical sales tactics through their financial aid department to take out this loan.
Convergent Outsourcing, Inc. sent a demand letter to my client alleging that she owed {$970.00} to XXXX. She does not have, and has never had, an account with XXXX. The fraudulent demand offers to settle for 50 % if she pays within 45 days.
Creditor Information : LINCOLN TECHNICAL IN is reporting on my credit profile what the credit has been removed once before the LINCOLN TECHNICAL IN does not own a location in FL and LINCOLN TECHNICAL IN has agreed to permanently removed the inaccurate credit reporting. I have attached the locations of the school locations furthermore proving validity.
Hello, I have a credit card with Barclays Bank ending in XXXX. I changed address in XX/XX/XXXX and I didn't receive my statements in the mail plus I had no internet access. As a result said company marked myXX/XX/XXXX and XX/XX/XXXX payment history as 30-Days late.
XXXX XXXX is stating that I owe a debt. I have lived out my lease turned my keys in on time and wasn't given anything in writing stating that I owe this debt.
This company had been taking money out of a joint account I had. I noticed back in XX/XX/XXXX that payments were being taking out. Finally I re searched who the call company was and it was loan me which they had taken out about 3500 dollars in money out of my account stating that a XXXX dollar loan had been taken out under my name. I then explained to them that I had no knowledge of such loan they neeeded to send me information in regards to whom took this loan out. I requested this information about 3-4 times but they never mailed nor emailed the information to me. On XX/XX/XXXX I received a call from a collection agency Apple recovery stating they were attempting to collect a debt from Loan me in the amount of XXXX. I proceeded to explain to the gentleman the situation and he put me on hold and stated that they are willing to settle for XXXX so that it can clear my credit and I then can file a civil case against them. I explained to him I wasnt going to pay anything until they provided me with proof of the loan as requested in the past. He then became aggressive and stated I was throwing a temper tantrum and they will start a legal action against me .... I asked him to elaborate on what he meant legal action and he replied Im gon na only ask you one last time how much can you pay today? If cant answer that. We will have to proceed with further action. I am not sure what he meant. I extremely worried about this and would like a resolution. Could someone call me for help in regards to this matter.
About XXXX XXXX, 2017. I paid {$290.00} for a 5 year contract to someone online to fix my computer and keep it working good. About 2 weeks later a man called and said the software he installed was n't compatible with my computer and that he would uninstall it and refund my money. Instead of refunding my money he got access to my Online Banking and was able to trick me which allowed him to take almost {$3000.00} from me. Bank Of America says it was not fraud that caused me to lose the {$3000.00} and I have decided that I will not fight that issue any longer. The issue I have with the credit card company associated with Bank Of America with card ending with XXXX is that the {$290.00} was a fraudulent charge. The company at first refunded the money but now have charged the amount back on the credit card. I received a letter on XXXX XXXX, 2017 requesting more in formation about the matter and stating that I had until XXXX XXXX, 2017 to submit additional information. I submitted that information but there was no way to submit it by the deadline they indicated. The charge was reinstated on XX/XX/XXXX.
In XXXX XXXX my Wife and I accepted an offer from XXXX XXXX to Consolidate our loans as a Married couple to lower the interest over the life of the loan. At no time were we informed that we would be waiving any potential rights later in life due to unfortunate circumstances while a young couple in their XXXX just start out together. My wife 's XXXX Federal Loans at the time of this consolidation XXXX XXXX totaled XXXX and today is at XXXX after 16yrs. We provided documentation through the Life of these Loans with regards to the XXXX accident in XXXX my wife was involved with from both the XXXX and several Physicians. Her XXXX Date was XXXX/XXXX/XXXX and Post Discharge Monitoring concluded 3 years after that. Our complaint is that these loans, totaling today XXXX, were not properly Discharged/Forgiven based on my wife 's XXXX inability to pay or benefit from her education. I myself have no ability to benefit from her education to provide any further financial means to support a one income family that has a spouse XXXX within the household. I 'm still burdened with trying to repay my own education loans from the consolidation in XXXX XXXX for XXXX which today 's balance is XXXX to date. With 16yrs we have only been able to repay XXXX out of XXXX due to a single income family during that time frame providing for a XXXX family member based on job availability and due to medical needs has had to exhaust all deferments and forbearance options during that time frame. With the proven XXXX of my Wife over 16yrs we believe that these XXXX Loans totaling XXXX were not properly Discharged and exempt from all parties involved for repayment upon Post Discharge Monitoring. Please Discharge and Forgive the XXXX Loans totaling XXXX from all applicable parties
I am showing as XX/XX/XXXX and XX/XX/XXXX. If I was in a bankruptcy XX/XX/XXXX to XXXX XXXX I should have not been reported. Navient is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
RE : CFPB Case Number : XXXX Previously tried to respond, but computer stayed buffering, I now realize none of my information was uploaded. 
This is regarding DiTech opting to remove me from the Making Home Affordable Modification Program Incentive : " Pay for Performance ''. DiTech states that due to a late payment in 2014, I no longer qualify for this program. This is not correct.
I have a closed account showing on my credit report in the amount of {$2600.00}. I have disputed collection with the so called creditor XXXX XXXX Online. They are alleging that I owe a balance to them when all of my schooling was handled by FAFSA and pell grants. Soon after disputing the account, I got a letter from General Revenue Corporation ( GRC ) demanding payment, so I called this company asking why I needed to pay them and if they would send me a copy of the contract they were attempting to collect on. I spoke to a XXXX XXXX an agent who was very professional and she agreed and stated that I did n't owe GRC anything. She then transferred me to XXXX XXXX who was a manager that was very rude and unprofessional, interested only on collecting and not verifying the debt or resolving the matter. I also asked her if she could send me a copy of the contract that she stated that she had, but she refused. I recorded the call as she asked me for personal information numerous times attempting to build on what little information they have besides my name. I declined just as she did when I was requesting the contract, in lieu of my identity being stolen by someone posing to be a legitimate company, providing suspicious documents that anyone could type up with no letterhead and no original signatures. XXXX XXXX informed me that the information she had was all she needed in order to collect on the debt, even though nowhere on the ( suspicious ) XXXX page contract do I give XXXX the consent to share my information with any third party company. The call ended when I asked her one last question about why they sent me XXXX page of the contract, and not the entire agreement that was signed with the so called original creditor XXXX. She ended up hanging up on me stating that she would put me in her system as a refusal to pay. Please help me gather legitimate documentation from the original party pursuing the debt, with support showing they loaned me funds.
In  XXXX  a tax lien was filed against me in  XXXX   County Superior Court.  This tax lien was released in  XXXX  and should have been removed from my file 7 years from the date of filing ( which would have been  XXXX   XXXX ,  XXXX  ). Both  XXXX  and   XXXX   are refusing to remove this from my credit report.
I had open my account with American Express in XX/XX/XXXX when I seen the promotion that I would get 15 mos no interest. When my bill came in yesterday, I had interest on my bill. I called American Express today, XX/XX/XXXX, to see why and they said that my account had no promotion on it. I told her when I applied for the card that is was under this promotion of 15 mos no interest and I printed everything out where it did say I would get the zero interest for 16 mos. She said she was sorry and that my account was not eligible for the promotion. I replied to her and said " you cant make a promotion offer to someone and not honor it. Needless to say I am still paying the interest on the account.
I was contacted by this company stating that I owed for SIX different accounts at the same medical facility for ONE visit. These accounts were paid as well as being indigent at the time and filing as so at the hospital. They have repeatedly contacted me in a completely unprofessional manner. I have reported them to the XXXX XXXX XXXX to which was responded by more unprofessionalism telling me that if I learned to pay my bills I wouldnt be in this " situation. '' I had a life saving surgery and any medical bills that I had afterwards were completely paid in a timely fashion so I am unsure where they get off with being extremely rude. The lady that repeatedly calls me initially wouldnt even tell me her name or where she was calling from or how she had my information. When told about the charges, there were two for the EXACT same amount. I also noticed that they were charging me more than the debt they claimed that I had in the sum of around {$1000.00} extra! 
At one point I went along with them and offered to pay the accounts just because I didnt want to be harrassed of have these accounts on my credit. ( the only ones I have! ) I was repeatedly called after setting a payment arrangment up asking me to pay more. After make a couple payments I decided that I was not going to continue to work with this company as they were very rude, pushy, and tried to make me feel inferior to them. This is not a debt that I should have to pay for since it is not my debt!
Credit report showed this company had placed my 'account ' in collection status. I was never notified of any letters/documents that pertained to this 'owed amount '. Below is what appeared on my credit report. 


Collection Accounts Collection Accounts Accounts in collection status FOCUS MGMT  Condition : Open Date Opened XXXX Balance {$190.00} Type : unknown Pay Status : Collection/Chargeoff
I am XXXX XXXX and XXXX XXXX went to debt relief company as help. To better my credit score if I payed up front fee and I payed with debt card at time. Did n't know it was a scam. 
Charging Illegal Fees and Deceiving Consumers
To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-XXXX and Chase alleged benefit letter-XXXX ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 XXXX. Chase policy requires certain form to be completed. 
XXXX. Chase policy required subpoenas for certain information. 

Chase violated XXXX XXXX XXXX XXXX by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letterXXXX and Chase alleged benefit letterXXXX and Chase Notification ) XXXX. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) XXXX. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX XXXX XXXX ) XXXX. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) XXXX By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.
I applied for an auto loan using Auto Pay as a servicer to source, organize and close a loan deal on my vehicle refinance. Throughout the time of the loan, I experienced multiple scenarios where Auto Pay personnel  mismanaged the application, information collection and contracting process. At times, I was asked for immigration documents I could not provide without either a ) falsifying the information or b ) using expired documents for a financial application, which could my wife 's XXXX   status in jeopardy by committing such a crime while on a 2 year XXXX XXXX status. The items requested were a valid XXXX, as well as XXXX paperwork, which would be impossible due to my wife being a XXXX XXXX XXXX to a U.S. citizen. I acknowledged that I was not comfortable with my wife using these documents to apply for our loan, because Auto Pay was not the lender, and I was not sure how Autopay was going to use these documents on our behalf to close a loan for us. In addition to this scenario, I was asked to have my cosigner 's name signed off a title that her name was not on. I was also sent our contract via online signature tool, XXXX, 8 times. The contract was sent this many times because representatives at Autopay sent the document in the wrong order, out of order, to me twice, etc and this process had to be voided out a total of 4 times over a period of 61 days. Further, we received numerous communications stating we needed to provide paperwork, then a phone call stating to ignore this communication. We also received emails stating our application had been approved and our contract was on it's way, having signed the loan agreement approximately 8 times. 

Most recently, we became aware that Autopay had furnished our loan application and documents to the credit union whom was supplying our loan a second time, thus running our credit again and placing a " hard pull '' on our credit reports. Per XXXX, an immediate 29- point decrease was experienced by my wife 's Transunion report and a 2- point decrease on my report. In contacting Autopay, my loan representative, XXXX stated we took too long to finish our loan application, so the company, without our permission, duplicated our initial application, sent the application to the lender as if it were a new application, thus causing the inquiries, and then, as a result of my calls, stated they were going to " back out '' of the process due to my legal action threats. We have requested in multiple scenarios that one of the hard inquiries be pulled from our credit report, and Autopay has refused to do so. 

To date, the loan has not been fulfilled, although approved, and our credit reports have been harmed by Autopay. We are in possession of multiple pieces of evidence to show mismanagement of the application process, and are asking for immediate help to stop further damage to our personal credit profiles.
Both reporting agencys report a address for me as XXXX XXXX XXXX XXXX, Pa. XXXX. This is not correct!!! I do not, nor have I ever had or used this address. I do not know if someone has tried to get credit using my information!! This has me very concerned. Thank You for your time!!!!!
I registered online on transunion.com to freeze credit report. After registration I was charged $ XXXX/month for credit monitoring service. There was no clear statement about the service fee. I was tricked to sign up such service. I called the company right away to cancel the service and tried to get a refund. I was put on hold for a long time, and finally a customer representative said their system was down, I needed to call back again. TransUnion doesn't conduct their business in a honest way.
Equifax allowed my information to be stolen in their latest hack. 

They are responsible for any and all issues that arise on my credit from now on.