WillisBack/dataset-financial-user-claim huggingface dataset:
Portfolio Recovery ( PR ) has been excessively calling / harassing my home multiple times daily/weekly/monthly for over 6 months. PR began steadily calling my home from XX/XX/2018. They have been calling using 26 different phone numbers from all across the USA. Their calls disconnect when my answering machine turns on. Therefore, I do not know the reason for the call because they do not leave a message. I was forced to buy a phone with a block feature ( XXXX   recommendation ). When a specific PR phone number is blocked, they resume calling with a new phone number from a different state. My wife and I have been the only residents here for the past 10 years. We do not have nor had any debt. I have complained to XXXX regarding this harassment. XXXX contacted Portfolio Recovery on XX/XX/2018 at XXXX regarding the abusive calling. Portfolio Recovery would not provide XXXX with any information. I am registered on the do not call list and have filed multiple complaints about PR on the FTC web site. I was advised the contact your agency. Thank you.
I have written and called Experian several times about their incorrect reporting of a collections account with XXXX XXXX XXXX that caused my score to drop drastically. I paid the account in full, submitted the letter from the creditor, and Experian continues to report the account as a charge-off when it was not. It was paid.
XX/XX/XXXX - paypal credit sent a bill to me and I have never seen this account before. The charges were for little amounts and I have no idea what they are for. I called the number on the statement and asked them to close this account and to dispute all the charges. They would not give any information on what the items were. XX/XX/XXXX XXXX received letters stating that the charges were valid and the case was closed. Contacted the paypal credit and asked to speak to supervisor. The ladies name was XXXX and she refused to supply me with a last name or id number. She stated that the charges were made using the same ip address. I asked her how the account is accessed and she said through email. The email address is not my email address and she refused to tell me what the email address was. How can someone have my social security number and use and account to order items I have never heard of. She refused to give me any information on the account that is supposed to be mine. She stated she the account was not closed from the prior week and asked that she close the account for the second time. I even tried to google the names of the charges on the credit card statement and was unable to find information. These are not charges made by me or my wife and I do not understand how they can refuse to dispute the charges. The amount is very little - but it is still the point that these are not valid charges.
PNMAC MORTGAGE XXXX XXXX XXXX, XXXX, AS A SUBSIDIARY PNMAC XXXX XXXX, XXXX XXXX, XXXX COUNTY COURT OF COMMON PLEAS AND XXXX XXXX XXXX & XXXX filed an illegal foreclosure action in a non-competant judcial XXXX defined in XXXX XXXX XXXX XXXX a ) ( b ), which is outside the district to the United States XXXX PNMAC MORTGAGE XXXX XXXX XXXX, XXXX is fully aware that such attempts to avoid federal laws of the United states regarding interstate commerce, obligations of the United States is illegal. XXXX COURT OF COMMON PLEAS IS NOT a state defined in XXXX XXXX XXXX ( XXXX ), however is not exempt pursuant to XXXX XXXX XXXX. Accordingly under federal law and statues of the United States, constituions, consumer federal law preempts any state law that is inconsistant with federal law that provides less sufficieny in terms of consumer protection.The actions taken by all parties the consumers were upon private instruments, assets, consumer accounts, within interstate commerce, which are in facts obligations of the United States. Therefore, Defendants foreclosure upon, bringing suit against, seizing or by disablement, dispossession, accounts, instrumentalities of the Unites States, which includes the consumer. XXXX county court of common pleas would lack any jurisdiction, competently or otherwise, to engage in any acts against the United States. Defendants Failed to obtained prior consent from the Consumer, or permission from a proper, competent judicial court, district, before engaging in such acts. It is believed that defendants are acting on the false notion that the consumer is some sort of artificial entity, citizen, or other, corporation formed under their a XXXX XXXX laws. Therefore, XXXX Court of Common Pleas is properly defined as a debt collector, XXXX XXXX XXXX ( a ) ( XXXX ), collecting a debt defined in XXXX XXXX XXXX ( XXXX ). And not exempt under XXXX ( XXXX ) ( c ) .Conseuqently, and knowingly, no evidence has been presented to support this presumption. The consumer is not a citizen, state citizen and such creation of an entity without knowledge and consent is of the consumer is fraud, even criminal.
I applied for a bank position online. I got a call for and interview. I then received an email and letter stating the possible employer did a background/credit check. I did not give written consent. I did not give verbal permission either. I then get a call stating what they found on my credit they were n't going to proceed with the interview.
Credit Management LP is a fraudulent company operating in TX that attempts to collect on non-existent XXXX XXXX XXXX payments. I complained about this to the XXXX and Credit Management responded that they would cease all collection activity and request that all XXXX major credit bureaus remove any mentioned of their fraudulent claims. However, Credit Management LP has failed to follow up and each credit bureau report still displays a negative unpaid account balance. This continues to hurt my credit score. Frankly, I should not have to spend time reaching out to each credit bureau to correct this. Lastly, I have a {$0.00} balance with XXXX XXXX XXXX and have had a {$0.00} balance since I ended service with them over two years ago.
I want to create a situation to safely pass along my account to my daughter and nobody will comment on how to do it. They say I need 3rd party legal advice and 3rd party legal advice only knows so much. I want to know risk and terms regarding the ending of my account when I pass away and nobody answers those simple questions. I want to know if a debt holder could find out about my giving my account to my daughter who has unpaid debts, but nobody will answer that simple question as to what the bank will show in any availability to debt holders. 

I am widow of retired XXXX XXXX
To whom it may concern, My name is XXXX XXXX ( XXXX ) and I am writing in regards to an issue I have pending with a company called Coinbase ( A crypto currency investment platform ). 

In short, my account, which contained only cash at the time, has been emptied of approximately {$6700.00}. It appears to me as though the account was emptied, deleted and reopened using the same login credentials. I say this as my money, transaction history and all external account links have been deleted. The site makes it appear as though I just joined which is not the case. I have the original emails from Coinbase from when these ( now missing ) transactions had occurred. These transactions include, joining Coinbase, ID and photo verification, purchasing coins, and transferring some coin ( only the BTC ) out of Coinbase. 

The details : I joined Coinbase in XX/XX/XXXX. 
I funded Coinbase originally with {$5000.00} in XX/XX/XXXX. 
I bought XXXX ( XXXX ) Etherium ( ETH ). 
I bought XXXX ( XXXX ) litecoin ( LTC ). 
I bought ~XXXX Bitcoin ( BTC ). 
-All purchases in XX/XX/XXXX. 
I transferred the ~XXXX BTC into a different crypto wallet to execute trades not available within the Coinbase platform, but left the ETH and LTC in Coinbase . 
During this time I was monitoring Coinbase using their app. I had not logged into their site on my laptop for several months. 
On XX/XX/XXXX I sold all of my ( XXXX ) ETH and ( XXXX ) LTC via the Coinbase app resulting in ~ {$6700.00} being deposited into my Coinbase USD wallet as confirmed via the Coinbase app. I did not receive a confirmation email for this transaction from Coinbase although the money could be seen in the USD wallet on the Coinbase app. 
On XX/XX/XXXX I attempted to withdraw my money from Coinbase via their app and send it back to the institution I originally used to fund my Coinbase account ( XXXX XXXX ). The app indicated that I needed to login to the website to complete the transaction. When I logged into the Coinbase site using the same credentials, it began asking for new joiner type information as if I had just signed up ( not the case ). This is when I noticed that the USD wallet indicated a balance of {$0.00} and there was no transaction history to be found on this +6 month old account. 
At this moment, the app was still indicating the correct amount of money, {$6700.00} in my Coinbase USD wallet. 
Next, I logged out of the app and logged back in it. The app now matched the online site with {$0.00} balance, no bank links, and no transaction history. It appears as though I have been scammed. 

I have contacted Coinbase customer service to request their assistance but have not received a reply. I know this is not a huge sum, but it is a lot to me and it is mine. 

If there is anything that you could do to get Coinbase to look into my issue I would be extremely grateful. 

Thank you. 

Sincerely, XXXX XXXX
I have a judgement recorded in  XXXX  County Florida due to a foreclosure on my primary residence in 2009. At that time I was trying to facilitate a short sale of this house and Chase Bank was no help at all with this. As I was submitting offers from buyer they tracked the foreclosure concurrently. They kept rejecting the offers until the foreclosure date came and the property was sold at auction to Chase Bank. The judgement amount is {$220000.00}. After they received the certificate of title the property was sold for {$120000.00} which was less than the short sale offers I submitted.
I would like to have this judgement cleared from the records in  XXXX  County.
I have presented HSBC Bank with disclosure of concerns pertaining the request for a debit card that has not been address since the opening of my account. A supervisor has acknowledge the error and noted on the account that indeed a debit card was requested at the time of the account application. The supervisor apologized for the poor practices and said that a debit card would be expedited to me. It has been several months since the opening of the account and I have not been issued a card nor other concerns have been address with propriety. 
The continue failure to act appropriately is unacceptable and I continue to be prevented from using my account.
I received a letter from a debt collection company by the name of Financial Recovery Services INC dated XX/XX/XXXX - which states that the current creditor is XXXX XXXX who is in affiliation with XXXX XXXX. The letter they sent me clearly violates the FDCPA 807 ( 10 ) "  False or misleading representations '' in which the preclude to the letter states " Assigned as a Pre-Legal Account ''. The letter continues on with multiple misleading and confusing statements cited as : If we can not resolve this account, our client will place the account with a law firm and in the same paragraph goes on to state We do not make any decision whether to place any account with a law firm as that decision rests solely with our client. No decision will be made regarding whether to place any account with a law firm until after the end of time frame described below. This is clearly misleading as in one sentence they tell me it WILL be placed with a law firm and a few sentences later it is inferred that it may or may not be sent to a law firm by the beginning sentence of No decision will be made regarding whether to place. This is an illegal practice under FDCPA in which the debt collector is threatening legal action that has no proven intent and is also violation committed by Financial Recovery Services under FDCPA 807 ( G ) ( 5 ). Any letter from a debt collector or creditor has to be clear and concise and be able to be understood by the least sophisticated consumer. The materiality element of the Least Sophisticated Debtor Standard does not hinge on what an ordinary individual might reasonably interpret from a debtors communication, but rather, a material statement is one that has a natural tendency to influence or has the capability of influencing the decision of the decisionmaking body to which it was addressed. Id. Here, the relevant decisionmaking body is the least sophisticated debtor. Id. ( citing XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Furthermore, Financial Recovery Services states that the " current creditor '' is XXXX XXXX. Under the FDCPA the term " creditor '' is defined as anyone who extends or offers credit. Financial Recovery Services nor XXXX XXXX ( XXXX XXXX ) has ever extended or offered any credit to me.
I had paid off the full balance of my XXXX  XXXX issued through XXXX XXXX   after calling and asking them for the payoff amount. I proceeded to pay the payoff amount and assumed that my card was fully paid off because the representative had told me that was all I needed to do. Months later I was sent a letter that my account would go to collections soon if I did not pay the balance. I was never warned before this that the payoff amount was not correct and received no contact until I found out my account was over 30 days late. By this point I paid immediately and tried to contact XXXX XXXX but they never answered the phone any of the times I called the consumer affairs department. After this I got an alert that they had reported my credit card as 30 days late to the bureaus and this seriously impacted my credit score.
Hard credit pull by XXXX on XXXX/XXXX/16. I have not and do n't do business with XXXX.
Chase is moving forward with a foreclosure sale on XXXX XXXX 's home despite the fact that her lossmitigation review remains pending. Dual tracking is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) so  we did file a complaint with the CFPB the sale likely wont be stopped.
I applied and was approved for the American Express Delta Gold Business card  on XX/XX/XXXX. The terms under which I applied were a welcome bonus of XXXX Delta Skymiles for reaching {$3000.00} in purchases within 4 months which I did complete on XX/XX/XXXX. Weeks passed and the XXXX miles never posted so I contacted them via online chat on XX/XX/XXXX and they opened an investigation into the matter. I never heard back so I did another online chat on XX/XX/XXXX and was told I wouldn't receive the bonus " due to incentive bonus offer misuse history ''. I had never been warned/notified of this before/during/after the application process. I feel I don't have a history of misuse with Amex and I'm frustrated that they haven't lived up to their end of the deal when they approved me for their card.
I ca n't get my report online because of ilgetting answers wrong when it checks my identity because it 's not accurate so it 's easy to see why I got it wrong.
I sent my first letter to Consumer Porfolio Services XX/XX/2018. I also sent dispute letters to all credit bureaus reporting this information form CPS. 

CPS is reporting inaccurate information related to an open account. 

CPS has not provided me with proper documentation by virtue of my signature on contract binding me to this negative account. 

Consumer Portfolio Services are now in violation of the FCRA and continues to be in noncompliance.
I get my direct deposit to my acct every wenesday at midnight, I had a bill scheduled to auto draft through bank of America 's bill pay on the same day, they charged me a {$35.00} overdraft fees with {$80.00} still in the account and a {$460.00} credit pending ( my payroll/direct deposit ), I called the bank and spoke to someone and he couldn't even figure it out, he was like " oh yea there's the credit '', and when I asked why I'm still being charged a fee he told me " we've already discussed this mam.
I have been a loyal customer of chase for 2 years with no late payments since the purchase of my XXXX XXXX XXXX. My car was involved in a wreck on XXXX XXXX 2017 and was deemed a total loss by the insurance company at fault ( XXXX XXXX ). I reached out to XXXX numerous times to provide the proper documentation to XXXX XXXX so that the car could be paid. There are records that show that I called XXXX over 10 times asking to submit documentation that was required by XXXX XXXX and XXXX XXXX to pay the remaining balance of my car. Every time they stated they would handle it and I would reach out to XXXX XXXX or XXXX and nothing had been sent. This resulting in a showing of 2 late payments due to their lack of diligence in the matter. They understood it was a total loss and never did they inform me ( through numerous calls ) that I had to continue paying my loan because they would send me to the total loss department each time. This was a lack of communication on their part and I recently sent a GoodWill letter asking XXXX to remove the late payments and they have refused. I should not be deemed responsible or liable for late payments that were not properly explained to me nor the lack of urgency for the XXXX personnel ( s ) that did not complete paperwork that I asked to be completed several times. This has negatively impacted my credit report and I am in the process of repairing. Those late payments should be removed.
I didnt know about this debt or anything. I tried to find out and was rude to and hung up on. I want this off my credit.
To whom it may concern, On XXXX of 2016 XXXX XXXX XXXX   reported my monthly payment as being late. I called XXXX XXXX the moment I noticed this on my Credit Report. I have never been late on any of my Credit Cards or loans. I never received a statement from XXXX XXXX as I always did, therefore I did make the payment on time due to their negligence on sending the statements. I also never received a phone call from them letting me know about the payment. While speaking with XXXX XXXX there was an individual that stated I should have received a noticed by mail and a phone call ( I believe his name was XXXX ) If the phone calls are recorded then XXXX XXXX should have that information on file, this individual admitted that XXXX XXXX did not take the necessary steps in this situation. I have disputed this item multiple times and it was removed from the Credit Bureaus in the past, but then it is added again ( It just recently happened again ) XXXX XXXX Negligence to provide me with proper community when it comes to payments has affected my credit score and caused stress in my life. Loan interests are higher due to this and it has taken time out of my busy schedule to provide these letters in the hopes to get this rectified. I pride myself on having pristine credit and XXXX XXXX has affected a lifetime of work on my credit. I'm not asking for any money, all I want is fair treatment and to have this item removed. XXXX XXXX is a large Corporation and it is not fair for them to treat a client this way. It is very disappointing how I have been treated and hope to get this resolved. 

Thank you. 

I have submitted this complaint to your office in the past I appreciate any help you may provide to get this handled.

I would like to have the late noticed removed from all of my Credit Reports I will also be filing with the Attorney General 's office
As of Wednesday XX/XX/2018, JP Morgan Chase has closed all of my credit cards. This is the 3rd time this has happened and for no reason. I have never missed a payment and always paid my bill way ahead of the statement. My credit is 100 % perfect in payment history and always have had a healthy usage. I am a XXXX year old managing my credit to the best of my ability and have not done anything wrong. I am utterly confused as to why Chase is targeting me.
Bank of America cashed a forged check made payable to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX , of XXXX cashed the forged check and did not provide the funds to the XXXX or XXXX XXXX . XXXX XXXX is now XXXX. Bank of America Claims that California Code of Civil Procedure Section XXXX applies to this case limiting the statute of limitations to one year. I contend, based on counsel from XXXX XXXX, that Bank of America 's claim to California Code of Civil Procedure Section XXXX is not applicable, because it refers to claims by a " depositor. '' I further contend that my wife, XXXX XXXX and I are not a " depositor '' of Bank of America, so it is unclear upon what basis Bank of America relies upon the statute. CCP XXXX states ( emphasis added ) : XXXX An action for libel, slander, false imprisonment, seduction of a person below the age of legal consent, or by a depositor against a bank for the payment of a forged or raised check, or a check that bears a forged or unauthorized endorsement, or against any person who XXXX as defined in Section XXXX of the Business and Professions Code, for that person 's XXXX. 

I also contend that there is applicable California case law stating that the statute is limited to claims by an actual " depositor. '' For example, in the California case of XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ) ( a copy attached XXXX ), the California Court of Appeal noted that Section XXXX only applies to actions by a " depositor '' against the depositor 's bank. In the XXXX case, the plaintiff did not have a depository account with the bank, but was merely a loan customer. The appellate court said that the one-year statute of limitation only applies to a depository customer : " As plainly written, section XXXX, subdivision ( XXXX ), applies only to an action brought by a 'depositor. ' With respect to her HELOC account, Appellant is not a 'depositor. ' The one-year statute of limitations in section XXXX, subdivision ( XXXX ), therefore is not applicable to this action. '' XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ). 
Since my wife and I are not " depositors '', I again request you review your stated statute of limitations for validity against the California Case laws referenced in the above paragraph. 
We also can not verify the validity of our signatures because XXXX XXXX had access to our signatures and forged our California Licenses in order to cash the checks at Bank of America. XXXX XXXX is currently XXXX. We demand that the check for {$170000.00} be reissued to XXXX XXXX, XXXX XXXX and XXXX XXXX based on Bank of America 's cited code as not being applicable.