WillisBack/dataset-financial-user-claim huggingface dataset:
Credit Karma wish is an online service only! Their only ways of communcating is by : internet, websites, online, and or by via email! Just sick of business of this magnitude ; being able to conduct business, in the XXXX, or this Country! Then when CFPB launches your investigation, and trying to track down these fools : you 've to come up with, these sorry tired excuses, and worthless explanations! If they 're too big to fail, be challenged, reached, contacted, and seamlessly ca n't be located/tracked down! Why subject it to be so, that businesses of this magnitude, exist in the first place? XXXX XXXX merely tried to play, and mess all over me! In an attempt to get back, at me for some of my complaints, and negative feedbacks : either about themselves, partners, and or their members! I, thought this was the land of the free, and home of the brave! It seems that this, only applies to certain ; classes, and kinds of people! That 's some mess up, cheesy, disgusting, inappropriate, outrageous, and should be deem illegal! I 've sent several complaints, or grievances to XXXX XXXX! However, they had either objected, and or refused to respond to most of my complaints! Things had gotten so much, out of hand, and control! I was left with XXXX choice, and XXXX choice only : which was to unsubscribe, my membership with them! They ca n't take constructive criticism, negativity, being called out, and more certainly ca n't handle the truth at all! You know what CFBP? That sounds like something very personal, and their XXXX problem alone! Now, if I wanted to sign up again or become a member, then you 've to wait for six months! Which to me, sounds like a scare tactic, regrettably attempt, discouraging bluff, form of backlash, and punishment for unsubscribing! WOW!!! Instead of submitting any documents, I 'm just going to mail them.
To whom it my concern, Several months ago I pulled my credit report from all three major bureaus. There were several items being reported that I did not recognize. I disputed these items with the 3 bureaus and several of them were deleted. 2 accounts were not deleted, however. Portfolio Recovery Associates, LLC ( PRA ) Is reporting 2 accounts that I don't recognize. I disputed the accounts with the 3 bureaus and directly with PRA. I had never received ANY communication with PRA concerning these 2 accounts until AFTER I initiated the dispute process. Once I began the dispute process PRA sent a printout of an old statement from both accounts. The copies of the original statements showed that they were originally addressed to 2 different addresses, both of which belonged to my father. My father and I share the same name with no differentiating title, i.e. junior, senior, etc. I sent a letter to the 3 bureaus and PRA requesting more information/proof that the accounts were mine. I have received no such proof from either PRA or the 3 credit bureaus. I keep receiving the same form letter from PRA that lists name, account number, date account was opened, balance, etc. The ONLY original information I have ever received is one copy of a credit card statement from both accounts which both list addresses that belonged to my father. I believe that PRA and the three credit reporting bureaus have NOT performed a proper investigation, even after being requested to do so, and continue to use the XXXX system in order to " validate '' the accounts. I simply want proof that these 2 accounts are mine and not my fathers and to have these 2 accounts DELETED from my credit profile if proof can not be produced.

Thank You
Was attempting to purchase something using my Paypal account, and was somehow signed up for a Paypal credit card. This was not clearly documented that I was signing up for this as it appeared to me at the time that I was just using my Paypal account linked to XXXX of my credit cards. No qualifying information was asked of myself, such as yearly salary, full social security number, etc.
i made XXXX purchases at XXXX and the XXXX purchase is fraudulent the clerk used my card fraud and i disputed and bank of america keeps charging me for this in violation of the fcba this has been going on for 5 mos now
On  XX/XX/XXXX  Bank of America, N.A., sent me a letter stating, after being offered a Trial Period Plan or modification, you notified us that you did n't wish to accept or complete the offer. Absolutely, because Bank of America, N.A., and   XXXX   XXXX   attempted to persuade me into signing 40 more years on to a condominium that is severely underwater, costing me over {$120000.00} onto an existing mortgage. Not limited to overcharging me more than what the State of Illinois require for the escrow of taxes. I have requested in writing for Bank of American, N.A. to stop inquiring concerning my credit worthiness. Bank of America, N.A., in not in compliance with the fair credit reporting act and has thus far violated my fair credit rights according to the FCRA. Bank of America, N.A., was discharged in bankruptcy in  XXXX . Bank of America, has pulled over   XXXX   XXXX   inquiries concerning my credit history. After I repeatedly stating verbally and in writing I was not interested in the   XXXX   XXXX   Standard Modification Program Trial Period Plan. Yet I continue to be harassed by Bank of America, N.A., employees. This is against the FCRA and needs to thoroughly investigated.   XXXX   XXXX    Home Loan Team of Bank of America, N.A. is the latest employee who inquired about my credit. I made it perfectly clear, to Bank of America, N.A, to stop looking into my credit. I never applied for a loan or a refinance with Bank of America. I made a decision that I was not going to work with Bank of America, sent this in writing in  XXXX  and in  XX/XX/XXXX . I continue to be harassed by Bank of America, N.A., Bank of America, N.A., continues to violate the FCRA and credit worthiness by continuing to inquiry about my credit worthiness. After making my decision to work with Bank of America, N.A. and to remove their inquiries. My request have been ignored and Bank of America, N.A., continues to harass me by consistently pulling inquiries. Please investigate this matter thoroughly
This account was removed off my credit report on XXXX XXXX, 2016 and it was put back on my credit report, I have requested to removed this off my credit report.
Did not handle our situation today XX/XX/2018! My husband and I went into XXXX to get his free credit report. When we got to Experian and got the credit report on our computer, we couldn't read the report, and it wouldn't let us download the copy of the report. You could only print it, and there were too many pages to print. Our ink was already low! We went to one dispute item to select the reason, and tried to attach a document to the item and the site told us to go back to XXXX to start over again due to our time expired! We already didn't like the items they had on our credit report, and for us to go back to the beginning in order for them to charge us for our free credit report is totally insane! We didn't get to obtain the report number so we could go in the website to look at our report! We should track the credit bureaus! It may not always be the reporting companies! We don't want to have to pay for our free annual report! This is just crazy!
I remember paying off best buy credit card last year then all of a sudden I owed them like a XXXX dollars. I gave them the benefit of the doubt and paid it again. Now the same thing is happening where I supposedly owe them funds and its non sense. I paid them off. The credit rep tells me it bounced several months ago and the best buy rep that details purchases and credit card statements does not see where or why I owe money. 

XXXX reps are baffled as to why the payments are leaving as a check ... I never wrote them a check. 

Something criminal is happening here.
Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.
Since XXXX of 2018 I have been locked out of my Chase Account. Chase refused to fix the issue and I have spent hours on the phone with them. They are illegally blocking me from my account to charge late fees and raise my interest rate. They have reported to the credit bureau one time and the supervisor said that they do not have anything to do with the credit bureau. I still can not gain access to the account and they there automatic system is always down. I see that there are similar cases reported online. These practices are unethical and a way for Chase to gain money.
I have a loan with XXXX/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2018.
On XX/XX/18 a fraudulent {$160.00} charge by merchant XXXX XXXX XXXX   XXXX NY was made to my Citi Mastercard account. On XX/XX/18 when my monthly statement arrived, the fraudulent charge was discovered and an online dispute ID : XXXX with Citi was opened. On XX/XX/18 I received a letter from Citi, backdated to XX/XX/18, stating that it would not reverse the fraudulent charge.
XXXX account # XXXX The late dates are an inaccurate representation of my billing history with this company. They did not deliver my furniture as specified. I have a long history going back and forth ; it took them more than 90 days to complete delivery of the goods purchased. During which time they were accuring billing and late fees. However, until they delivered my furniture as agreed, they should have begun billing me. I began paying them when I recieved my furniture order in full.They are claiming I 'm late and reporting dates are inaccurately. I paid them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they also began billing me before delivering my products undamaged.
Hello This is a copy of the message that was left on my business, I called this morning around XXXX and left a message letting him know this was my business line and to cease and assist all communications on this number. They have called before on this number and left messages but cant retrieve that information sorry.Received another call on my job phone @ XXXX from the Oracle Group XXXX he refused to give me his name he said he was necessary to verify my employment to serve me at my job, I reminded him this was my work phone and he said he knows but he needs to serve me at work, he called through our switchboard which comes through with the caller ID unknown, he went on about taking me to court so I disconnected the call.
On XXXX XXXX, 2016, at XXXX I was called from XXXX XXXX, the company name is Account Outsourcing Group. I was sick that day and was very annoyed that they did not call between XXXX and XXXX as directed by 15 United States Code Section 1692c. When I communicated that it was against the law to call my phone that early, the caller stated that it was XXXX where she was calling from and I stated that I was in California and it is XXXX here. Therefore, I asked to speak to her supervisor and she put XXXX XXXX on the phone and I communicated the information to her, then she got extremely rude, said they have no record of my number, and hung up. I have a record on my phone what date and time I received the call.
I have been trying to fix my old mortgage reporting for over a year submitting over 10 letters & documents. 
Transunion reports mortgage derogatory. Enclosed documents from lender directly contradict that report. 
All three CRA 's fo NOT report my succesful history UP TO THE BANKRUPTCY. 7 years of missed reporting. 
COMPLETE HISTORY FROM LENDER ENCLOSED.
Our family has been living at this property for over XXXX years and due to the " not so good economy '' and loss of work, it has become increasingly difficult to keep up with our household bills and mortgage payments. XXXX option was a loan modification but OCWEN has refused to work with us on a loan modification. XXXX I have submitted to OCWEN request for mortgage assistance, HAMP and Keep Your Home California ( Reinstatement Program ) and was denied XXXX times.
I have a Capital One credit card that I rarely use. XXXX made an unauthorized charge to this account on XX/XX/2015 in the amount of {$38.00}. I do not receive paper statements and I was n't aware this charge was made due to the fact that I do n't use this credit card much. I was called XX/XX/2015 and was left a voicemail on my home phone from Capital One. I went online to see if I could understand what they were calling about. I immediately saw that my card was showing past due and I called Capital One to see what I should do. They said that I should work it out with XXXX XXXX XXXX first before filing a dispute with Capital One. I called XXXX XXXX XXXX about the unauthorized charge. They apologized for the charge and agreed to refund the full amount back to my card. They refunded the full {$38.00} on XX/XX/2015. I called Capital One back and they said they would take care of the late charges and interest. They also said I would n't be reported late to the credit bureau. I happened to notice my credit score dropped around XXXX points. Capital One did report me for being XXXX days late for an unauthorized charge made to my account. I called Capital One again and they said I would have to file a dispute to correct this and that they could n't do anything to help me. I asked to be transferred to the Credit Reporting Department, and I was put on hold for XXXX minutes just to be told that I could n't be transferred to that department. I was originally informed from Capital One from XXXX different employees that I would n't be reported late. This incident really leaves me with little respect for Capital One. Bottom line, I am being penalized as the consumer that was originally considered to have excellent credit to poor credit after a circumstance happened that was outside my control.
XX/XX/2016 XXXX, GA XXXX Director XXXX Consumer Financial Protection Bureau XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX Dear XXXX ; Recommendation : Legal Action Background Select Portfolio Services has responded to my grievance. The responses are general and superficial. SPS does no have the capacity and or will to address individual client complaints and to resolve injustices. 

There is a strong implication that this problem may warrant Class Action Litigation. 

First, I suspect that this economic and financial negligence is systemic. During the Great Recession numerous homes declined in price. Local tax authorities and Mortgage Servicers did adjust the tax escrows and actual payments to the house value decline. 

Further as in the case of SPS when the home was modified this was an act of evidencing an acknowledging that the home value was less than the price at origination. Hence, a tax adjustment was required. A tax adjustment in many cases such as mine would have saved the American 's homes FACT : SPS was notified that XXXX County taxes resulted in mortgage modifications becoming uneconomic. The taxes did not reflect the home market value. 

Negligence The negligence was a modification focus total mortgage debt and not government assistance and not cash flow. 

Modification ( Incomplete and Fraud in Modification ) In fact, it could be argued that less financial forbearance would have been required if the mortgage services had a tax adjustment strategy. The failure of mortgage banks to have a total risk strategy cost US taxes payers and the mortgage servicers shareholders. 

The charge is poor governance, financial negligence, and tax fraud. 

Governance It can be argued the interest earned while holding the tax escrow conflicted the mortgage servicer. This poor risk management increased foreclosures, Decreased mortgage servicing fees and income for shareholders In the case of SPS and many mortgage servicers when notified that the modification had made the mortgage uneconomic. A professional response by SPS would have been to contact the tax authorities and negotiate loss mitigation. This is because the homeowner was losing the home due to excess tax payments and not the principal and interest payment. Modification is not a modification without a tax payment adjustment or modification to market value. The modification was fraud. 

Further, SPS and other mortgage banks were negligent in forwarding or paying the escrowed taxes to the county or other tax authority when they knew that the taxes were excessive with or without a consumer 's complaint. 

SPS and other mortgage denied negligence and would like to pass the liability to the local Authorities. Many local authorities have imminent domain and a statutory limited liability. This is why SPS and other mortgages services must be included in the litigation. 


Sincerely, XXXX
After reading about the recent billing problems with PayPal credit, I decided to go back through my statements to see if there were any discrepancies on my bills. I have had an account with them since XX/XX/XXXX. Admittedly, I should have caught the problems before this, but the accounting errors are so small that I honestly overlooked them when paying my bill:XX/XX/XXXX : eBay purchase for {$99.00}. System shows this as the order total. PayPal reflects they charged {$100.00}. While this could be shipping, eBay 's system states " see description '' under shipping but yet they show the order total at {$99.00}. Therefore, I believe no shipping was charged. 
XX/XX/XXXX : eBay purchase for {$100.00}, but PayPal lists charge at {$100.00}. Obviously, this XXXX works in my favor, but this is still an accounting error. 
XX/XX/XXXX : eBay purchase for {$99.00}, but PayPal lists the purchase as {$100.00}. 
XX/XX/XXXX : eBay purchase for {$110.00}, but PayPal lists the purchase at $ XXXX : eBay purchase for {$110.00}, but PayPal lists the purchase as $ XXXX needed, I can give you my entire eBay purchase history and all of my statements through PayPal. It is also worth noting that PayPal credit 's online system often does not order interest free due dates correctly which can make it quite confusing when trying to pay off items before their due date. The customer has to sift through all the dates in order to figure out which one needs to be paid off XXXX in order to avoid interest. I know the credit card companies do not order expiration dates like this. For example, it might order it like this : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. I have a screen print of the ordering that I can include for your records.
I have a credit inquiry from XXXX XXXX that I did not authorize. It is on my Transunion Credit Report on XX/XX/2016.
I discontinued service with XXXX and transferred to a different carrier on XXXX XXXX, 2015. On XXXX/XXXX/15, eight days later, XXXX referred my account to a collection agency before I even received the final bill from XXXX!! Collection notice was sent to me on XXXX/XXXX/15 threatening to take action.