WillisBack/dataset-financial-user-claim huggingface dataset:
Credit Karma advertised a new product this year, Credit Karma Tax, as No upsells. No hidden fees. Free for everyone. Truly free from start to finish. We have absolutely no upsells or fees. Everythings included. However, when attempting to sign up, they require a phone verification step. I entered my phone number and was met with an error message We dont support this phone type. Please enter a valid mobile or landline phone number. [ Screenshot available. ] The phone number, which is the same one as on this complaint and on my account, is perfectly valid and you can call it to reach me when I am available. However, it is not from one of Credit Karmas preferred providers. In order to use their service, falsely advertised as noted above, one MUST purchase contracted phone services from one of Credit Karmas preferred providers, and pay for that.
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The page requiring this phone validation has a note that says Do n't have a phone? Contact Member Support so I did, and was told that theres no other way around it, I just have to get a phone from one of their preferred providers in order to use that system. That is an upsell, a hidden fee, and it makes sure that access to the system is NOT free for everyone.
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Customer Support wrote, We do our best to balance your security with efficiency. Im not able to bypass this security procedure. We sincerely apologize for any inconvenience. This does not account for the continued false advertising, which they should STOP.
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Imagine if I made the same advertising claims for some software I offered, but then if someone actually tried to use that " free for everyone '' offer I 'd let them know that it 's actually only available to members of  XXXX  - for security purposes, because those people have been screened to my satisfaction. The initiation fee to join that club starts at {$200000.00} plus annual dues, but once someone has paid all that s/he wo n't have to pay anything more for my software. Would you say that 's really " free for everyone? '' What Credit Karma is doing here is the SAME principle. The eligibility pool is larger, and less expensive than   XXXX   to get into, but still not cheap and definitely not free. They CAN NOT make the assumption that everyone has a paying account with one of their preferred providers, and if theyre restricting usage to only their customers that should be reflected in advertising rather than the current false statements.
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I tried making this point to the company directly, and going through BBB, but they just did n't respond, because false advertising is more profitable and not penalized.
FHA Loan Refinance initiated on XXXX/XXXX/15. It has been almost 3 months and no one can tell me a clear status of the loan. I am told that it has passed underwriting but is in review by FHA. I called FHA and they claim that FHA does not review loans. The credit scores and loan to debt ratio are supposedly ok. 

I have been given at least XXXX targeted closing dates that come and go with no clear explanation. The people I was working with initially all have disconnected numbers. All efforts to escalate have not been effective
I am continuing to receive information from Citi despite cancelling the account several months ago. The account was closed in good standing and balance is paid in full. My complaint is the following Citi is violate federal privacy laws by maintaining my personal information in their company database. 
Citi and their affiliates continue to harass me by sending spam postal mail.
I have contacted XXXX XXXX 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account NumberXXXX
Byl needs to recognize that the account should not have been put on my report, because I was never given proper notice to resolve matter.
I am filing this complaint because Experian did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XX/XX/XXXX/XX/XX/XXXXXXXX
Synchrony Bank has XXXX of the worst phone IVR systems that forces you to speak instead of inputting number options. This causes extreme frustration to a consumer by the time they speak to a human. I will be doing everything in my power to never give Synchrony XXXX more penny of my money. After 15 minutes trying to navigate the system, you then can not even get account information for a card that I OWN and need a number for immediate payoff. There is a reason this company is at the bottom of the cesspool.
On Friday, XX/XX/XXXX, it was reported in major news outlets that Equifax had suffered a massive data breach which exposed some 143 million records to unknown assailants. These records included very sensitive information such as Social Security numbers, credit cards numbers, addresses, and more. In short, the type of information which is essential for performing identity theft. Shortly thereafter, Equifax set up a website called equifaxsecurity2017.com which purportedly let you check if Equifax believed your data had been accessed, and sign up for a identity monitoring service. What they failed to mention in easily noticeable writing was that signing up for that service waived all your rights to a class-action lawsuit. Furthermore, it came to light that Equifax sat on this breach for some time before notifying the public. In the interim, several executives sold approximately {$1.00} million dollars worth of shares. Leaving aside the allegations of insider trading, the fact that Equifax did not  IMMEDIATELY notify all potentially affected consumers is atrocious. They did not, as far as I 'm aware, institute any sort of fraud alert for affected consumers, leaving a wide open window of opportunity for anyone wishing to abuse the stolen data, and leaving millions vulnerable to identity theft. Regardless of whether they should have been spending more on their security infrastructure, their actions in response to this breach have been slow and lacking, to say the least, and potentially criminal.
Loan Servicing company trying to collect discharged class XXXX bankruptcy debt. see QWR notice of error within.
I have a mortgage with Ocwen Mortage. Two years ago they defaulted me on my loan and charged me fees because I supposedly was behind in payments. It took months and an attorney for Ocwen to finally admit that they made a mistake. They never corrected the mistake or send a correction to the credit reporting bureaus. Now Ocwen is once again defaulting my loan alleging that I am two months behind in my mortgage. My attorney once more supplied Ocwen with 24 months of my bank statements evidencing that all payments have been timely made. Ocwen is going forward with a foreclosure proceeding. It is impossible to reach anyone at Ocwen who can fix this situation. This is twice in three years Ocwen has made the same mistake.
I have a mortgage which I originally obtained in XXXX through the VA. I paid the mortgage through XXXX. It was taken over by XXXX XXXX XXXX. The transition was smooth. Last year my mortgage was sold to Carrington. This transition has been the worst I have ever had to endure not to mention demeaning and discriminatory. In the beginning Carrington sent me information about the transition. They sent me a bill with an increased mortgage payment of around {$60.00} or more. When I called them I was told they required three months of escrow in the escrow account and I had a choice to pay them upfront or monthly. Then they stopped sending me statements with the payment coupon. Originally I thought maybe the mail person had delivered it to the wrong address. I sent them a check to an address from a previous letter from them. After another month of not receiving a statement I called them, a phone call I hate to make because they are the rudest company I have ever encountered and the call ends in my anger and yelling. I called the company on XXXX XXXX, XXXX XXXX XXXX. I spoke to XXXX different people without any closure to this problem. The supervisor informed me that Carrington will not be sending me any statements because I have a bankruptcy filing. I informed her that the bankruptcy was filed XXXX yeas ago in XXXX and was discharged in XXXX and therefore should have no bearings now. She said that by law if a customer has ever filed bankruptcy they will more than likely do it again, so their accounts are flagged and Carrington does not send these customer any communications. So I asked her how I was supposed to pay my bill. I was again given choices- look on the website to see what I owe and mail it to an address I have on hand, pay by phone, or send them a letter requesting bills to be mailed to me. My bill was due on the first of the month. I told her I was trying to figure out what had happened to the bills and since it was n't paid by the first they were now going to charge me more interest for the extra days during the grace period and late fees if I had n't figured it out before the XXXX of the month. She said that was untrue, paying after the first does not incur more interest and no late fees are charged. I believe this is false information. I also believe a discriminatory practice is being practiced by this company in addition to priming a customer for fees by not sending them statements. I should not have to mail a request to receive statements. I asked her to send me a letter telling me about this law of no communication if you have ever filed a bankruptcy during your lifetime. She said she ca n't. I asked her to mail me an envelope with the address that I was to send this request to so that I would be sure it was reaching the correct place. She said they ca n't send me anything because of my bankruptcy even if it was 17 years ago. So each month they expect me to call or go on the website to see how much I should pay and if they have increased my mortgage for some other fee they want to charge me.
I 've called and called and called and called and called sooooo many times about this account, still no luck. This account was opened fraudulently and I 've reported it several times and called about this credit card dozens of times. It seems that I get put on hold for long times, transferred around to different departments, my calls get disconnected, I get told different answers/responses, and so on. This company is going to have a lawsuit if they can not process a dispute correctly. I am so lost and do not know what to do, I ca n't get through to anyone. I 've been dealing with this for almost two years now. I ca n't seem to get a solid answer about this account nor will this bank remove it from my name. They claim I opened it because of payments that were applied to this account that I did n't make. I 've made a large payment recently to pay off the balance but they returned my check because there was no account found to the check, false. I have a checking account with XXXX and it is open, they just refused the check. So either way, I guess I ca n't pay off the balance. I made a large payment because they told me that I am going to be rebilled for some transactions and to prevent this from hurting my credit. Sometimes I am even told by Chase reps on the phone that my account is not accessible by them and that they have to get me to a different dept. that ca n't access my account either. So it 's like I am stuck in a hole and ca n't get out! At this point, I feel that Chase does n't want to assist me with this matter and that they do n't want to take a loss. But I have every right to request for this to be removed from my liability since I did not open it. Furthermore, my drivers license ID was stolen around the same timeframe for this matter. I 've even tried disputing the charges to get them removed, still they denied it. Just because the information on credit card applications and ID 's match does NOT mean that it is me, it could be someone that looks like me. WHICH IS ID THEFT!!!!
There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying me.
I made an application on XX/XX/XXXX for the Bank of America 's XXXX BOA XXXX XXXX XXXX XXXX XXXX XXXX ) to replace my current BOA ELOC on my residence on advice of my BOA branch XXXX. She made the recommendation because the new XXXX will provide me a similar loan at a more attractive interest rate resulting in savings. 
As part of the application I submitted our XX/XX/XXXX and XX/XX/XXXX IRS tax returns. When I asked XXXX I should provide any other documentation, such as XXXX, social security XXXX XXXX etc, I was told it was not necessary because BOA has all that information in their system. There was some other requests from different people at the processing center, but questions on our offshore income ( which is already on the XX/XX/XXXX/XX/XX/XXXX tax returns ) was resolved when I submitted XX/XX/XXXX FBAR I filed with XXXX XXXX XXXX. Please see the attached letter to BOA to get some more details on the nature of ensuing events. 
My application was rejected on the basis of " Unable to verify income '' ( please see the attached copy of this letter )
I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Southwest Credit Systems a re reporting to  XXXX  that I owe a balance of {$250.00} for  XXXX   XXXX  showing that this was reported  XXXX   XXXX ,  2015 . However I have current service with  XXXX , and have been well before that date.   I do not have an account at the address that is attached to this collection. I have an active account with  XXXX .
I am trying to rebuild my credit and it seems nothing is ever removed or corrected with the  XXXX  credit reporting agencies I reach a score then I receive a notice that my  credit score  has dropped  XXXX  points or  XXXX  and have the sam e collectors just year after year still appearing on my report I am a veteran and have a veterans home loan but I can never seem to reach the credit score to obtain a loan it 's been 15 to 18 yea  rs that these debts have been on my report
I was selling some chairs. I got a text from phone number XXXX. The agreement was that they would send me a check in the amount of {$3400.00}. I would keep {$1900.00} and give the moving company {$1500.00}. I received and deposited the check at my local Chase bank via ATM on Thursday, XX/XX/XXXX. The check cleared the next day Friday XX/XX/XXXX. The buyer than asked me to deposit the {$1500.00} instead of give the movers in cash so they can have a receipt of the deposit. The {$1500.00} was to be deposited to a chase bank account XXXX XXXX account number XXXX on Saturday XX/XX/XXXX. I looked up the company and it was valid and since it was a Chase account I didnt think much of it. A few hours after this transaction was done the buyer contacted me saying that I need to send the amount {$1700.00}, $ XXXX- {$250.00} because I lost another buyer, to his nephew and that he cant go through with the transaction. He asked me to deposit the amount to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX bank ACC # XXXX routing number XXXX. I told them that they are going to have to wait as I didnt trust this was a legit transaction. They started threatening me and calling from phone number XXXX. In the meantime, I called Chase Fraud department and explained that I thought I was in receipt of a counterfeit check and that I was being scammed. Chase fraud assured me that the check cleared and the funds where available and nothing seemed to be wrong. I still wanted to wait another 24 hours before I returned any more to them. On Monday XX/XX/XXXX, I saw that everything was still ok so I told the buyer I would send them the money. They asked that I send via XXXX XXXX to another nephew XXXX XXXX XXXX address XXXX XXXX XXXX , XXXX, In XXXX. The XXXX XXXX tracking number is XXXX XXXX. They picked up the money Tuesday XX/XX/XXXX. The buyer than told me to send the remaining {$250.00} plus the {$25.00} the XXXX XXXX charged as a fee. I told them to stop contacting me and they kept threatening me. Then he said that I should send the {$250.00} and the deal is back on and that they would send me a new check for the chairs. I stopped responding and checked my bank account. The amount of {$3400.00} was deducted. I called Chase and spoke to the customer service manager. I ask her what happened and she said the check wasnt endorsed properly and the funds where returned to the issuing bank. I explained that I had called on Saturday and they told me all was well they then said there was nothing they can do about it, even when I asked that they freeze my account as I think I might be at risk of identity theft. NOTHING they can. They also said that there was no way they can know this would happen. I was shocked. I then asked what does invalid endorsement mean as I've been depositing checks for years and I am very sure that I followed the proper procedure. They could not respond. Im available to provide any further information you may need.
LHR Inc, was supposed to take this off of my account, they removed it from XXXX but never took it off of XXXX. I am not sure why this is not taken off because this was the amount that was supposed to be adjusted after I made the settlement payment. I have tried calling LHR but I do n't have an active phone number for them and the one that is listed if for something else.
I opened a account with XXXX on XXXX/XXXX/2006 and the account shows pays as agreeded, however the account shows me with a balance of XXXX. I need this account to be updated to show at a XXXX balance.
I disputed A collection with Franklin Collection company through XXXX on XX/XX/XXXX that the debt was paid in full and should be removed from my credit because it is false reporting. It has been almost two months now and they have not responded nor fixed the error. They are saying I owe {$1000.00} which is false. It has impacted my score and I would Like it fixed and removed from my credit for good. My dispute number is XXXX.
I have a checking account with US Bank which is headquartered in XXXX. The bank insists that some federal regulation requires it to send me a paper copy of a bank statement each month or to post this information online. The charge for a paper copy is XXXX XXXX. I do not want a monthly statement and want to waive this protection. I am willing to sign any waiver which relieves the bank of legal liability. The bank refuses to let me do so. Is my argument with the bank or the agency which promulgated the regulation?
I havve been paying my student loans rigurously. On XX/XX/XXXX XXXX reported a late payment which was not my mistake and have not removed it form the 3 credit reports until today.. It has been the mistake of all the representatives that are not doing the job correctly and are reporting whatever they want. I contacted them to removed the late fee from my 3 credit report agencies.

Yesterday and Today I had received 2 alerts. XXXX is reporting again on all the 3 agencies. 

XX/XX/XXXX, reported late again ( 2 negative items on XXXX  ) Yesterday XX/XX/XXXX ( 3 late negative items ) when I have been paying on time I am tired to deal with XXXX. 
they keep changing and sending letters of changes on the loans and kept changing the due dates as they pleased. MY payment dates are on the XXXX of each month and they kept changing date and loan terms, then they report you as late. 


everytime I have a problem with them I need to recur to this agency becuase they lock the phones, theire representatives dont answer correctyl. Even if you pay your loans on time. They keep calling you to make payments that are already made.
XXXX Account # last 4 : XXXX XXXX XXXX XXXX account # XXXX Amount XXXX I contacted XXXX  and XXXX 12times. I sent in police reports, I reported this fraud. I even requested the debt verification and they only sent me three bills that are address to a address that isnt mines. They didnt send the sign contract, they never sent in the copy of identification. Nothing and they are reporting it in my report while the original company is doing so as well. When I call XX/XX/XXXX at XXXX XXXX  the rep did not wan na help me when I asked why werent the requested debt documents sent to me see just estates if you have a lawyer we can speak with them. They are illegally reporting someone else debt in my report and will not help me
XXXX broke there contact at that point in time never gave me notice of the change It went from {$89.00} each month to $ XXXX each month + they would add channels or remove channel and I never asked for there for I canceled.. I 've had several collection offers from $ XXXX there fore I elect none they ca n't get it right i owe nothing and want it off my credit score thanks XXXX XXXX
usaa had a sales promotion that if you opened a direct deposit account to checking you would receive {$300.00} after 60 days. I joined and received {$300.00} in my account XXXX XXXX or XXXX XXXX, 2015. Under my account details they listed the {$300.00} as INTEREST. IT WAS SALES PROMOTION. When I complained they list it as job income, other income, everything but a sales promotion, and then without my knowledge switch it back to interest received 2015. IT WAS A SALES PROMOTION, NOT INTEREST ON MY ACCOUNT. I have complained several times. I receive only XXXX social security. It being listed as interest or job income changes my IRS filing status. I want it listed for what it was A SALES PROMOTION. I only received {$0.00} interest for 2015.
In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.
I am a co-signer on a loan # XXXX for my daughter with Navient. Her name is XXXX XXXX. It is a college loan. For some reason, she was 60 days past due. 
I was not aware of this until Navient reported it to XXXX. My score ( have excellent credit ) dropped from XXXX to XXXX. I feel that this action is unwarranted and unfair to me. 
I am being penalized because she as an adult failed to make the payments.She is a XXXX and this is her loan. I have contacted Navient ... they will not correct my credit score.This has been extremely upsetting to me and my husband died in XX/XX/2017. 
I am going to need this higher score to purchase a car. 
What can be done about this ... .I really need your help to clarify this situation. 
Thank You, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, OH XXXX email : XXXX XXXX