WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I received a response letter via email from XXXX XXXX Fraud Department. 
The letter states that they conducted a fraud investigation and that they were not able to approve the claim is because Customer benefited from use of card/participated in purchases. 

Synchrony did not provide any supporting documentation on their response. On XX/XX/XXXX I reached out to the fraud department via email asking who the investigator handling my claim was but I never received a name or a POC. 

Here are the facts that Synchrony is neglecting to acknowledge. 

I provided a copy of the FOIA from Customs and Border Protection showing that on the date that the Account was opened I was outside of the United States. 

On XX/XX/XXXX Synchrony provided me the IP address that was used to open the account XXXX That IP Address is from XXXX TX. 

On XX/XX/XXXX Synchrony bank obtained a sales draft receipt signed on XX/XX/XXXX for the amount of {$2100.00} On XX/XX/XXXX XXXX XXXX obtained a sales draft receipt signed on XX/XX/XXXX for the amount of {$950.00} I had no knowledge of these and both sales drafts bear my ex-husbands signature. 

-I never applied for an account from XXXX XXXX -I was outside the country when the account was opened by my ex-husband - I did not benefited from the account - I was never a patient of XXXX XXXX - I had no knowledge of the account or it existence until months after the account was opened - The account was awarded to my ex-husband on my divorce
I recently closed on the sale of a house in XXXX. I was due money back from the sale and received my check in the mail. The check did not match the amount " due to seller '' on the attached XXXX seller settlement statement. When I asked the title company I was told the missing amount of {$830.00} was for the owner 's title insurance. Upon reviewing my closing paperwork there was no mention of a cost associated with the title insurance. I did sign the attached sellers affidavit but again there is no mention of a cost on the page I signed. In the attached email, the title company says that I signed the XXXX statement instead of the closing disclosure and that I was still obligated to provide the title insurance. And that it was a " learning '' on their part.
I received letter from a collection company, Convergent, saying that I owed {$5800.00} to XXXX   XXXX. I have never had dealings with this company nor do I owe any debt to them or anyone that I am even late on.

The letter says they will " settle '' for {$1400.00}.

I do not owe this company.

I want them to stop sending me letters and to stop phoning me.
I was only informed via a XXXX article that my private information was stolen from Equifax servers back in XX/XX/XXXX. When I input my info on XXXX Equifax link, it confirmed My information was compromised and I would need to enroll in an identity theft product. By enrolling in the ID monitor I waive my rights. This will create a huge ongoing inconvenience and could delay a refinance. Equifax has such critical information that this could take many days, hours, or weeks to monitor over a long period of time. The thieves could also wait out the identity theft monitoring and then use my info to damage me. I am very concerned that equifax never contacted me directly, and this happened in XX/XX/XXXX. The identity theft service ca n't even start until XX/XX/XXXX. They have a responsibility to keep all info safe.
My daughter 's students loans began in XX/XX/XXXX and the full amount that was borrowed was {$44000.00} by XX/XX/XXXX. Her repayments began in XX/XX/XXXX, and the interest had been added to the accounts up to this point. 

She has been making payments, which are spread across all of the small loan amounts separately, and her total payments so have been {$18000.00}. Despite this amount of payments that have been made, her balance on all loans is {$43000.00}. Which means that less than {$1000.00} of more than $ XXXX has been applied to the principal of these loans. 

Now, as a parent, I realize that part of the responsibility of the loan agreements and terms is our responsibility. She has a teaching job where she is being paid $ XXXX a year, and she is waiting tables in a restaurant to try to make ends meet. I have recently finished my degree, and I am now looking into helping her pay off her student loans. Despite the blame that may be debatable in terms of taking out the loans to get her through college, I find that the practices of NAVIENT and the banks that support these loan practice to be criminal. Yes, we need to do a better job helping our your adults understand the terms of debt, but I would also add that the student loan practices in our country are only in the interest of big banks and NOT in the interest of helping kids through college. I am so angry and I am looking at joining and giving power to any class action lawsuits that will help to rectify this for our college graduates. 
With regret and anger, XXXX XXXX
I send XXXX check electronically every month at the same time for my daughter 's student loans, and they always arrive on time. NJ Class made a clerical error and did not log the XXXX checks on time, and claim that I paid late and now owe them this month 's and last months checks. I sent them proof of payment and they stated that those checks were for the previous month, which is incorrect. The payment is due on the XXXX of the month, and I always pay so that they get the payments by the end of the previous month, which is a few days early. These loans were for XXXX XXXX XXXX.
I have received debt collection letter from "  American Express   XXXX   XXXX  '' regarding Credit Card account that has been opened on my identity but I never actually opened it.     As American express detailed account number have last  XXXX  digit "  XXXX  '' and balance of {$4500.00} In my further inquiry about subjected account, I 've found out that a credit account has been opened on my name on   XXXX   XXXX   and closed on   XXXX   XXXX  . However I never opened such account and do not recognize any transaction from that account. Hence someone else must have opened a fraudulent credit card account on my stolen identity.     My name is  XXXX   XXXX  and I am a resident of   XXXX   XXXX   XXXX  , NY- XXXX . My appeal is to investigate this fraudulent account and fraudulent charges on my account as soon as possible. Also please advice me how to deal with this fraudulent debt collectors.     I 'm attaching copy of debt collection letter for your review.
I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company sent 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as the mandates of the FDCPA.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2014 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
i have written both XXXX XXXX and XXXX ( XXXX XXXX ) advising them to remove these accounts that I didnt authorize in my name. I was XXXX some time ago and during my XXXX time someone used my name to obtain credit. I explained this to all creditors and they all followed protocol of removing the blemishes all but these two creditors. I am trying to move on with my life and I cant with this hanging over my head.
Bank of America suddenly closed all ( 4 total ) my personal credit card accounts without any valid reason in XX/XX/2017. I have been a BoA customer for more than 10 years. My FICO score is around XXXX. There is no negative mark on my credit report. I never missed any payment with Bank of America or any other financial institute. The most outrage outrageous act was that BoA confiscated all the rewards points accumulated over the years. At the time of closure, I have around XXXX rewards points with the cash value around {$770.00}.
I just cant get any lower payments with Navient. The amount is way to high and with the school XXXX being shut down due to fraud with financial aid I don't believe me or any other XXXX   should pay that amount back if not paying anything back. I cant use my credits that i earned from XXXX to go to another school if i wanted to. I would have to start over.
I was charged {$29.00} by TransUnion for the service they mentioned as free trial. 

It was mentioned as a 30 day free trial period, but instead was charged {$29.00} without even a prompt to tell me before clicking the authorized button. 

Complete deception method applied. The customer service says that can not refund the charges back as we availed for the service.
In early   XXXX   I signed an agreement  with AES for a Rehabilitation program in which the terms clearly state that upon completion of 9 months of repayments my loans will be eligible for rehabilitation. Right on the agreement it states that one of the benefits will be that AES negative reporting will be deleted from my credit report. Here we are 4 years later and they have n't held up their end of the agreement and continue to illegally breach the agreement reporting the negative marks for these loans which continues to ruin my financial well being. Attached are the original agreement, the confirmation letter that I successfully completed the rehabilitation, and a recent copy of my credit report showing the section of the illegal reporting of 6 student loans in the rehab program.
I received an official looking letter in a XXXX envelope. It said that my FHA MIP premiums could be reduced effective XX/XX/2015. The following pages were government FHA docs which included the name of the Acting Assistant Secretary for Housing - XXXX ( XXXX XXXX ). I called the number and they were a mortgage lender. They said they were affiliated with the government. 
Fortunately I 've worked in the mortgage industry so I realized at this point that they were trying to get me to refinance my mortgage. They 're only affiliated with the government in the sense that they 're able to provide FHA loans. It 's completely misleading to the consumer who thinks he/she is receiving a reduction in mortgage premiums NOT a standard FHA refinance which could cost thousands and/or add years to they 're mortgages. The way the company ( XXXX XXXX XXXX based in NY ) presents themselves is a scam.
I have credit inquiries on my credit report that I dont recognize and I did not authorize ... I would please like these inquiries deleted from my credit report .. Thanks
I would like to see proof that I have made them charges for  XXXX   XXXX   XXXX  and  XXXX . I would like to see proof of my identification card and signature and not a statement of the bill! I did not authorize those charges!
In XXXX 2017, I received a letter from AMCOL Systems dated XXXX XXXX, 2017 for an account placed in their office for {$150.00}. I immediately responded by certified mail dated XXXX XXXX, 2017, delivered XXXX XXXX,2017 XXXX XXXX requesting validation of debt as I am certain I have never done business with AMCOL Systems and also requested that all attempts to collect this alleged debt be made in writing.I did not receive a response. In XXXX 2017, I received another notice dated XXXX XXXX, 2017. The balance due on this letter indicated {$60.00}. I promptly responded via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX.In this letter I reiterated that I do not owe this company any money as I have never heard of them prior to the first letter. I requested proper debt validation under the Texas Finance Code. I received a statement of bill from XXXX XXXX XXXX for {$60.00} dated XXXX XXXX, 2017. The patient listed was NOT me. I responded again via certified mail dated XXXX XXXX, 2017 delivered XXXX XXXX, 2017 at XXXX advising that the documentation provided does not validate that I owe this company money. I never heard back from AMCOL Systems. On XXXX XXXX, 2017, I received an alert from my credit monitoring service that AMCOL Systems placed XXXX collection accounts on my credit file! I am not only livid that this company has failed to provide proper validation, they have violated my rights. This company has made multiple phone calls after being advised to communicate in writing. Between XXXX 2017 and XXXX 2017, this company has called me a total of 62 times. I have recorded the date and time of these calls which I will use to pursue legal action if necessary as well as copy of phone records to prove the violation.
My last five automatic monthly payments have been misapplied by Discover. Their official policy on their website states that payments will be applied in the following order : late fees and penalties, interest, principal. However, my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to one of my four loans ; and my XX/XX/2018 payment was only applied to one of my four loans. 

This is in direct violation of Discover 's policies and is not in the best interest of the borrower as it is an inefficient payment method that increases the amount owed for the borrower. Because some of my loans did not have the payment issued towards its interest or principal, my credit score was affected because I had a line of credit with an increasing balance. 

I called Discover on both XX/XX/18 and XX/XX/18 reporting the error that they failed to identify. They assured me both times that the error would be addressed promptly but they have not done so. Both times they could not provide a reason for the error.
I am disputing the item on my credit report XXXX XXXX Account Number XXXX this account was never late, and also was paid by me, and XXXX XXXX XXXX XXXX my insurance company the account should be paid, and closed. The car was totaled XX/XX/XXXX it was a bad accident, I had full insurance coverage and, Gap. 

My insurance company Paid XXXX on XX/XX/XXXX I paid XXXX on XX/XX/XXXX I made payments since XX/XX/XXXX tell XX/XX/XXXX in the amount of XXXX thats a total with all payments made by me and, my Insurance company XXXX also I have gap through XXXX that included total loss plus XXXX XXXX XXXX  which I only got to use the XXXX for nine months, and never used any warranty 's, as the car was totaled XX/XX/XXXX, I paid XXXX for XXXX plus XXXX for XXXX. Which was told by XXXX XXXX that will be applied to my balance. 

The reporting of this should be paid and, closed with a XXXX  balance, and never late. Please correct this issue, I am requesting an investigation into the late payment in XXXX as, my bank sent them a Teller Check for way more than my monthly payments.
To date I have sent XXXX letters by certified mail to Navient requesting validation of the alleged debt pursuant to the FDCA and FCRA so that I may settle the matter in full. XXXX letters also requested that Navient cease and desist all communication unless by mail, and a point by point response to my validation letter as required by law. To date Navient has chosen to ignore both letters, and continues to harrass the alleged cosigner and myself with an average of XXXX automated and/or hand dailed calls. Navient seems to need some assistance in understanding TITLE XXXX & gt ; CHAPTER XXXX & gt ; SUBCHAPTER XXXX & gt ; XXXX
The one debt was from a phone company XXXX XXXX XXXX. They charged me for a service that I never received. I tried to cancel the service in which I paid but never received, but they gave me the run around. They would n't let me cancel so I went to a different phone company and the first company put me in debt for the contract. I filed a dispute which never showed up through XXXX XXXX. It 's been over 2 months and I have n't seen anything for the dispute.
Filed a Chapter XXXX Bankruptcy in XX/XX/XXXX. The investor agreed to a reaffirmed amount of {$25000.00} and has ever since XX/XX/XXXX been asking for a different monthly payment amount that was agreed to in the court order and has now demanding payment of the cram down money which was discharged in the bankruptcy. The investor has now sued me for the discharged debt.
I received a  XXXX  form dated for  XXXX  from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   account  ( cre dit card ). I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00}  ( this is not correct and is severely damaging my credit reports and credit scores ). I  demand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.
I Applied for Business Bank Account through Capital One, XXXX, And was declined because of the following One or more applicants, account holders or beneficiaries has past or present civil or criminal charges. When is a bank required to do a Criminal Background before a Business Account can be issued?
I am contacting because I thinking paying back XXXX for a XXXX loan is a bit much and ti am not sure why it so high I am making payments but I believe that is too much
After reviewing my annual credit report I noticed a hard inquire that I never approved from XXXX XXXX on XX/XX/XXXX and XX/XX/2017. I attempted to reach creditor and was unable to.
I paid to XXXX XXXX, XXXX. {$3300.00} I was not provided the services as described to me I received a cold call from XXXX XXXX in XX/XX/2017, from XXXX XXXX, he was offering me a way that I could make my business flow better and more profitable by connecting my business with millions of potential clients. As of today, I have had no contacts they said I would receive to my website and have not sold a single thing, he promised it would be a guaranteed fail proof way to increase my business. I informed that I was not at all pleased with the progress being made by their marketing team. And how dissatisfied I was with their services, it was all very basic in nature I have been very confused by their marketing skills. 

They misrepresented themselves and the marketing they were offering was less than acceptable, in my opinion, if a business receives less than a dollar back for every dollar invested in marketing, then the marketing team, should prepare to come under scrutiny. 

I would like your assistance in getting my money back. Thank you.
{$430.00}, Portfolio Recovery, I have talked to representatives multiple times about a debt Portfolio Recovery states I owe and told them numerous times that I do not remember ever applying for a XXXX XXXX card and that my ex wife in the past had applied for credit cards in my name and used my ss #. We are now divorced and I recently pulled my credit report to find this negative tradeline on my credit report by surprise. I have asked for proof of this debt a number of times from Portfolio Recovery and have never received any documentation in the mail. This has been going on for months and months now. I have written disputes to Portfolio Recovery and also to XXXX, XXXX, and XXXX to ask for this tradeline to be removed since this debt does not belong to me.
I am not sure who the company is or the company name but I keep getting robo calls about I am qualified to lower my interest rates on my credit cards from the following phone XXXX. It says to speak to a representative enter option # 1. I have done this multiple times and I have asked the representative to remove my number from their list. This last call the representative told me NO and hung up. 

I get about 6 calls like this type every month. I called the phone number back and now I am getting a message saying that the caller is no longer receiving calls.
the guys name is XXXX XXXX. I have repeatedly numerous times asked hit to stop calling me this is a work number. But he refuses even going to great lengths contacting my family members and threatening me with jail or lawsuits. he calls about 20 times a week at all hours of the day. when i ask him to stop he claims he has the legal right to call me as often as he likes and the only way he will stop is when i pay him. i know nothing of this debt and it is from many years ago.
The security questions asked by Equifax to prove my identity do not apply to me. It asked about a mortgage and credit card I do not have and never had. For this reason I am unable to get a credit report. I believe my identity has been stolen.