WillisBack/dataset-financial-user-claim huggingface dataset:
Synchrony Bank DBA Walmart Credit Services opened a fraudulent account under my name twice this year. When I called to tell them the second time, I spent over an hour on the phone and escalated three times to get the card ( that had already been mailed out ) canceled immediately. I was told there would be an investigation that would take up to 60 days and I would get a notice in the mail in 30 days that the account was closed. I told them to delete me from their entire database since they are complicit in opening these fraudulent accounts ( their own internal " processes '' failed which included leaving me a message that I needed to call back within three days to open the account ; I did not call back yet the account was opened anyway and the card was mailed out. INSTEAD OF CANCELING THE CARD AND REPORTING THE CARD AS FRAUD, SYNCHRONY BANK REPORTED THE CARD AS LOST/STOLEN TO THE CREDIT BUREAUS AND ALSOREPORTED A NEGATIVE ACTIVITY WHICH COULD ADVERSELY IMPACT MY CREDIT SCORE!!!!!!! This is twice this year the same bank has fraudulently opened an account under my name and I have no recourse. I ca n't even get it closed/canceled and reported as fraud to the credit bureaus. When I called again today to demand that they fix the false credit reporting and they reverse the negative activity. I escalated to the highest person who was named XXXX who said he was the floor manager and he was the highest person available. XXXX told me that the company could only send credit bureau updates every thirty days and the last statement closed XX/XX/XXXX. This is a lie because the credit reports they filed on my credit account with bureaus was published XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. So I can not believe they are not able to restore my credit more efficiently than waiting for a thirty day ficticious billing cycle ( since I never opened an account with Walmart there can be no " billing cycle. '' ) Given the urgency and victimization of this identify theft situation, I can not wait for them to passively send an update in thirty days and meanwhile my credit is negatively affected. This is absolutely fraud and they are complicit in fraudulently opening accounts twice this year under my name so they need to be held accountable. I WANT MY CREDIT RESTORED AND MY NAME PERMANENTLY REMOVED/DELETED FROM ALL SYNCHRONY BANK DATABASES SO THIS WILL NOT HAPPEN TO ME AGAIN. I OWN MY OWN DATA AND DEMAND THEY DO NOT USE MY PRIVATE/PERSONAL CREDIT INFORMATION ANYMORE. I have now spent hours on the phone with their toll free number, put on hold for long periods when I demand to talk to a supervisor who can actually do the right thing instead of read me company talking points. I NEED MY CREDIT REPORT RESTORED, ALL SYNCHRONY ACCOUNTS IMMEDIATELY CANCELED UNDER MY NAME, AND MY SOCIAL SECURITY/CREDIT FILE PERMANENTLY REMOVED FROM ALL SYNCHRONY DATABASES. I HEREBY DENY THEM PERMISSION TO EVER USE MY CREDIT INFORMATION IN ANY WAY AT ALL.
A hard pull on my Equifax credit report from bank I already have XXXX credit cards with XXXX. I have not applied for any loan, new credit card or credit line increase in nearly 18 months. I suspect identity theft or credit card fraud. I disputed it with Equifax on line and received a response that the hard pull was fact. Sent letter to XXXX about dispute on XXXX XXXX, 2016 have n't heard back. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX
Pprtfolio recovery calls several times a day and late at times. I have asked them to stop calli ng ne and to  instead swnd me documentation proving that this is indeed my account. I have asked them to send some detailed statements as this is not my debt and they refuse and instead resort to calling over and over to intimidate. I have had to block their calls and still have n't receiv ed ANY detailed bills or proof this debt is mine. I would need more than 1 bill to get an idea as to who ' s debt this is as it could be ifenity theft. This company is abusive with their calls and behavior.
I tried to enter into an income driven repayment plan XXXX separate times and both times Nelnet managed the applications inappropriately. The first time an application was filed on studentloans.gov on XXXX XXXX, 2016. This was a joint IDR application with my husband. Nelnet later claimed they could n't see the application when they were contacted on XXXX XXXX, 2016. During the call on XXXX XXXX, 2016 the collector never mentioned the possibility of an administrative forbearance on the accounts so that they would n't be reported to the credit bureaus.A paper copy of the application was sent to them through the mail on approximately XXXX XXXX, 2016. 
They also claimed they never received that application when they were contacted on XXXX XXXX, 2016. Only after checking my credit report on XXXX XXXX, 2016 and seeing they had reported me as being over 90 days late on my loan payments did I realize they had n't processed the IDR application. When they were contacted on XXXX XXXX, 2016 a collector named XXXX stated that they had never processed the application. He said that if the application was resent it could take them 3-4 weeks to process it through their processing center. When a supervisor ( XXXX ) was spoken to he claimed that they attempted to call me on XXXX XXXX, 2016 but the number came back as disconnected or incorrect so it was removed from the account. The number they tried had just been added onto the account on XXXX XXXX, 2016 when the initial call to Nelnet was made. They claimed it was n't their fault since they had n't been given current information even though they had received that number only 2 days prior to the call. XXXX also claimed that mail had been sent to the address on file sometime in early XXXX and it was returned to them. The address they sent the mail to was valid at the time they sent it and continues to be valid today. 
After removing the good phone number and address from the account XXXX states they then performed a skip trace that provided them with incorrect information for the account. 
XXXX and XXXX both stated that they first reported the accounts to the credit bureaus on XXXX XXXX, 2016. This means if they had actually made contact using the valid information they had been provided this situation would have been able to be remedied at some time before the negative credit reporting. The decrease in XXXX score related to this situation was XXXX points. I have done my due diligence to use the programs that were created to assist those needing help paying student loan debt. Had Nelnet acted more appropriately they would have been able to avoid this entire situation.
On XX/XX/XXXX I received an email from USI Solutions , Inc demanding payment for a loan. After them that this was paid off, I received two emails dated XX/XX/XXXX from USI Solutions stating that the account was closed. On XX/XX/XXXX I received a phone call from a collection agency and because I wasn't sure if they were inquiring about the sane account, I called USI who proceeded to tell me that the file wasn't closed and that they were going to reopen it. I asked them to give me 24 hours to get home and research my records and that I would call them the next day. On XX/XX/XXXX I called USI back and agreed to a settlement of {$500.00} post dated to XX/XX/XXXX which would allow me more time to prove this was paid. 
I called USI today, XX/XX/XXXX at XXXX CT to let them know not to process that {$500.00} payment which was due on XX/XX/XXXX and I wanted to request A Verification of Debt letter. The operator said that she could not process my request and that she would have an account manager call me back within a few minutes and he/she would discuss the matter with me. I never got a call from USI so at XXXX I called them back and spoke with another operator who congratulated me on making my payment and asked if I was calling to get my paid in full letter. I informed him that the ACH payment arrangement was for this coming Friday XX/XX/XXXX to which he responded that the payment was made today Tuesday XX/XX/XXXX. I then told him that I called earlier to stop the payment and was promised a call back and during that time his company went ahead and processed the payment. He told me that I would have to go to a website to request a refund along with proof of payment ( which I was able to find on old laptop ), to which I asked for either a manager or supervisor which he told me to call back tomorrow and ask for. I then asked for his information and he hung up on me.
I reached out to Navient in XX/XX/2018 because I was having difficulty paying such a high amount {$300.00} per month in student loan repayments and I wasn't making a dent in the balance. I had an additional {$300.00} in other federal student loans. I asked if they had an income-driven repayment plan and they told me no and that the amount paid per month can not change no matter what. 

I called Navient today XX/XX/2018 to ask for help since I am unemployed and searching for work. I asked for a temporary loan forbearance or loan repayment alteration in the amount per month. The employee informed me that I would still have to pay {$160.00} per month even though for the next 6 months to count toward both loands. I already paid for this month 's loan so it wouldn't be much of an assistance. The other forbearance option presented to me was to pay a trust fee of " {$100.00} '' for a three month forbearance. Other organizations do not require a fee for forbearance required to enroll in the program. The information is not clear how to qualify for these programs and what assistance they have for people in need. I have been paying for the student loans diligently.
Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.
I have been paying my student loan on a monthly basis yet my balance seems to continue to increase. 
Representatives are not consistent with information. I 'm told something different each time I call regarding my loan and payment options. Something does not seem right with this servicer!
X/X/17 I tried to follow up with Amex to let them know I 'm trying to get my debt resolved and what I can pay. i explain to them that my business has faced a hardship and was forced to close, but i am willing to try to pay XXXX a month until the debt is resolved or i can pay remaining balance i XX/XX/XXXX. They are telling me if I do n't pay in full they will keep attacking my credit with late fees and past due payments even though i am still currently making small payments to the Closed account. I was offered 2 payment plans that were out of my budget at this time and i explained to the rep this is a closed account that i am trying to pay on i should n't be paying amounts as high as my car note to resolve this debt I 'm trying to make payments that i can follow through with and works best for me and my family cause they have to eat. so i do n't understand why they not trying to help me in my situation when I 'm trying to do the right thing and pay the debt.
I have been added to a credit card account that I did not request to be added to nor did the person whose account it was request I be added to. I am now a joint owner of another persons credit card account when all I did was apply for new credit. I spoke with US Bank Manager XXXX XXXX Employee # XXXX and he said there is nothing he could do to resolve the matter.
I am XXXX representing some client 's of mine and they are going through a short sale. The bank who holds the loan is Flagstar based out in Michigan. I met the owners in XXXX and have had all necessary paperwork prepared and submitted since XXXX and have heard nothing from the bank. I call in to a service rep about once a week and they give me same update. They say the processor who 's name is XXXX XXXX has n't gotten to it and there is no update. Everytime I speak with the short sale rep they say she will call me to provide an update but never has once. I have emailed her about 3 times as well. I put my complaint into the bank and of course received nothing back from them. My client 's fear is that the bank is just skipping the short sale step and going straight to a foreclosure. She does n't want them to show up one day and have all of her stuff be thrown out on the lawn. I have all the necessary documentation about my client 's situation and why she ca n't pay mortgage anymore. Please advise what we can do about this situation as we have had paperwork prepared for four months now and have n't heard one thing from the bank.
My SSI benefits on loaded on the XXXX XXXX  Card issued by the Social Security Office. On XX/XX/2018 I looked on my App on my phone to see if my auto insurance cleared the bank at that time I noticed it had but I also my account was XXXX short. I looked at resent tranactions and notice 8 pending charges that I did not approve, authorize or give permission for. 4 at XXXX, ,Card Purchase to XXXX XXXX and 4 at XXXX to XXXX XXXX international fee. I contacted XXXX   XXXX  on XX/XX/2018 while they was still pending and told them I did not authorize those charges or do I know what they are. I told them non of my bills had been paid and this wiped out my account. I was crying and very upset cause I am very careful about my card. I told them I never use my card at any outside ATM or let people use my card and I keep my card with me at all times. I have never given any information about my card to anyone. I was told to call back after they cleared my account. On XX/XX/2018 I called back as they had cleared my account and spoke with level 2 and I explained the above information to her. She canceled my card and wanted me to pay XXXX to send my card fast..I told her I had very little money in my account to spend so now your wanting XXXX when I was just robbed of XXXX, I told her to send it regular mail. Then I asked when will I get my money back that I have bills and medicine and food to buy and would like to get my grand kids a XXXX gift. She said she would send the paper work to dispute the charges and I have 10 days to fill it out and send it back. I have not received any papers and from what I read this has been a issue with XXXX  XXXX. My understanding my XXXX  card is protected by Regulation E and I must get the paperwork in but if XXXX   XXXX  does not do there job to get the paperwork to me and get it to the bank then it falls back on me as not getting the information in on time. I then again called and every time you call it tells you that your card has been sent and hangs up on you. I really need my money I have bills to pay and they charge late fees that in the end I will have to pay. I asked XXXX  XXXX  to stop the payments when they was pending and they said they could not. Basically we who are on XXXX have to wait on XXXX  XXXX  to get anything done related to our money and if we can not reach them to find out anything or they refuse to give you the money back you are still dealing with XXXX   XXXX. Look at my history and my bills always gets paid. I do not make high purchases like that and I would not do it back to back purchase knowing I have other responsibilities. This are fraudulent purchases using my account. Those are not my charges and I want A IMMEDIATE PROVISIONAL CREDIT PER REGULATION E ... 
I was given this Number when I called XXXX  XXXX about the fraudulent charges I giess it is attached to the case XXXX//From complaints I have read recent about XXXX   XXXX this has been a issue lately with Fraud to other peoples card and XXXX  XXXX is not giving people back there money
I settled a charge account with XXXX/XXXX  via a debt negotiator for {$2200.00} The account was charged off XXXX, XXXX, and settled shortly after. Therefore, there was no data to report after XXXX, XXXX. On XXXX, XXXX, my report shows an active account, then another charge off on XXXX, XXXX. My account then shows an active status from XX/XX/XXXX until XX/XX/XXXX with another charge off on XXXX, XXXX. 

My Experian report shows '' status updated on XX/XX/XXXX '' There is nothing to update. The issue was resolved in XXXX. I have a " potentially negative '' alert regarding this account, and this info is scheduled to remain on my credit report until XX/XX/XXXX when it should have been off no later than this year. 

I never re-opened this account, there is no way XXXX would have allowed me too, so there has been no activity on this account. Can you please help me with this? This account information does not show on my XXXX  report,
attached is a copy of my victim 's complaint and affidavit and police for fraud on my account since I been XXXX since 2011. I am XXXX XXXX military. Someone using my old account and open new accounts in my name with previous lender and credit card companies. I faxed my identity theft victims complaint and affidavit and police report to all XXXX credit reporting agency and alert was placed on all my credit reports with all XXXX agencies. I complained
We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the XXXX   Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. 

We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. 

XXXX is reporting outdated info XXXX bought the debt and is reporting dates wrong and outdated information. 
All of which are aware. We have a recorded conversation with a XXXX Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4  times? That is a Clear Violation. 

CBNA is an inquiry not authorized XXXX  XXXX and XXXX as well. 
XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!
a dispute the first dead and they can not verified so was deleted.and now they do another one for {$600.00}
On XX/XX/2015 I walked into XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX I was looking around maybe trade in my car for something else, soon before I know I have a sales man approach me and started a conversation, I told him I was just looking and before I knew it I was sitting in the finance offfice putting me in a car that I could not afford, I told him I connot afford this car which in turn he replied do n't worry I 'm going to help you, I tell him I am on a fixed income, I do n't work I get my XXXX check once a month. My credit score is low, he said let me make some calls to what I 'm guessing are bank loaners and such.. So I ask him I can you put me in something cheaper maybe with what I get for my Kia Soul XXXX with low milage I had XXXX miles on this car, he offers me XXXX for my care and tells me the rest you can finance, I kept telling him I can not aford this car but he did n't seem to care he wanted my to leave the dearlership with one of his cars. I went back serveral times, even the next day, my car was gone, I ask him where is my car, he responded its gone, we already autioned it and that there was no way of getting my car back, so now I 'm stuck with a vehicle that I can not afford and a car note to pay more money then I can afford to pay, I told him I 'm on a fixed income over, and over, buy this time everyone that was being nice to me before I walked into this dealership were now turning their backs on me, saying sorry it 's out of my hands, there 's nothing I can do. So I contact the Bank that did approve the loan out of about XXXX or XXXX banks that denied me a loan and with good cause, because of my bad credit and low credit score, I ask them why would you approve me for a loan if I had such a bad credit history, they said well we go by what the finance Manager provides us, so I ask them what did he submit as to my income they told me he said to us you make XXXX a year when in reality I only get XXXX check a month for XXXX a month which comes out to XXXX a year. So I knew right there he is falsifying people 's income in order to put these loans through. Please help me bring this car dealership down this is fraud, this is a crime god knows how long they have been doing this to unsuspecting innocent people like myself, PLEASE HELP ME!!!!!
On XXXX XXXX, 2016 I went online to pull my free annual credit reports from all XXXX agencies. I went first to Experian. There was an ad for a " free FICO score for {$1.00} '' which I was going to request but when I read their disclaimer that their {$1.00} " free '' FICO score IS NOT used by lenders I decided not to. 
The Experian website is difficult to use and very confusing unless you want to give Experian your hard-earned money. Printing out a readable copy of my " free '' Experian credit report was confusing and difficult. I use computer ALL the time and prepare tax returns for a living so if I say it 's confusing, IT 'S CONFUSING! I exited the site then and there realizing that their website is not REALLY designed to help you find your free credit report. I then made my way to 'annualcreditreport.com '. I was eventually able to print all XXXX credit reports on XX/XX/XXXX ONLY. Experian charged me {$21.00} for a " free credit report ''. .Experian debited my bank account for {$21.00} on XXXX XXXX, 2016 ( 10 days later )!!!. I ordered nothing from them. I tried to contact Experian about this but they have no customer service number and no information about their overcharging customers. I only have XXXX credit report from Experian dated XXXX XXXX, 2016 that should be free. I did not order anything from Experian to my knowledge nor did I receive any receipt or communication from Experian stating that I had done so. I would like a refund immediately of the {$21.00} Experian took from my bank account without my knowledge or consent.