WillisBack/dataset-financial-user-claim huggingface dataset:
I have XXXX credit card accounts with Synchrony Bank. I access XXXX online. Today I received an e-mail from Synchrony Bank informing me that someone had looked up my online account ID. A few minutes later, I received a notice that my password had been reset. These things occurred without my knowledge or consent. At all times, I had not disclosed the password to my e-mail account connected to the account, and I had my credit cards in my physical possession. Immediately after Synchrony Bank allowed this to happen, I was informed an unauthorized {$300.00} charge had been fraudulently posted to my account. I attempted to resolve this issue with Synchrony Bank, but of the three people I spoke with, none were able to explain to me how they had allowed my account to be so easily compromised. Because I have no confidence in Synchrony Bank 's security measures, I requested XXXX accounts be closed immediately. I want an answer from Synchrony Bank explaining how they allowed this breach to occur and I want proof that they will investigate and cause criminal action to be taken as the criminal had replaced my personal information with theirs, i.e., they have clues to investigate. XXXX could not provide this information or assurance. I feel my legitimate concerns were not taken seriously by the Synchrony Bank employees I spoke with. Further, they do not allow you to easily speak to a representative, but must first spend several minutes on a voice automated system. Their e-mail fraud alerts should contain a dedicated fraud hotline that you can call to immediately speak with a representative -- please see the attached e-mails, which ( a ) do not contain a customer service number to call ; and XXXX b ) do not allow a reply to a monitored e-mail box -- they only contain a mail address, which is absolutely useless in the event of fraud, where fast action is needed. This is inexcusable -- Synchrony Bank should absolutely make this information available IN EMAILS THEY SEND WARNING OF POSSIBLE FRAUD. I do give Synchrony Bank credit for notifying me of the breach, but the fact the breach was allowed to occur so easily is inexcusable and I ask that the CFPB please investigate and punish if warranted.
Dispute Concerning XXXX XXXX XXXX XXXX XXXX XXXX Reporting On My Credit Report There was a hostile management take-over at XXXX XXXX XXXX XXXX location in XXXX, TN. a couple of years ago. The new management company advised me and my family that the prior management company was not licensed to manage timeshare projects in the state of Tennessee. The new management company gave us the option to withdraw or opt out of our timeshare interval. We exercised our option and opted out. 
The prior management company later regained control of XXXX XXXX XXXX management and a class action suit was filed. We joined the class action lawsuit. A negative report was placed on my husbands credit report, which was later removed when we advised the reporting agency about the circumstances and the class action lawsuit. 
Now, several years later, a negative report has been placed on my credit report. We have paid in full for each timeshare interval we used at XXXX XXXX XXXX. We do not owe any additional money. XXXX XXXX XXXX has continued to charge our closed account for each interval since we opted out of the timeshare. 
This negative report needs to be removed from my credit report. I have filed a complaint through Transunion and XXXX XXXX falsely indicates the report is accurate and refuses to remove the incorrect information from my credit report.
I called XXXX/Experian to dispute incorrect information in my credit file and they refuse to let me dispute the false information. They never sent me a frivolous notice stating that my disputes are frivolous. Even though this is a new situation I'm disputing XXXX/Experian still denied me the right to dispute inaccuracies in my credit report. My credit score fell by a 100 points because " XXXX '' keeps sending XXXX/Experian negative updates everyday even though I closed my XXXX account. I advised XXXX/Experian that displaying false information in my credit file is illegal in the United States but they have the attitude that they are too big to care or they are getting paid by XXXX to display inaccuracies for profit.
Fair debt collection practices act violations:1. Debt collectors are not permitted to ask a consumer to pay more than they proportionally owe [ 15 USC-1692c ] 807 ( 2 ) ( a ). By failing to validate the debt, the debt collectors are doing exactly that. By failing to provide a CERTIFIED STATEMENT OF ACCOUNTING as required under the Uniform Commercial Code Article XXXX. 
2. Sending a paper known as a financial statement that is not signed and or certified DOES NOT constitute as a valid certified statement of accounting [ 15 USC-1692g ] 809 ( b ) and violates the rights of the consumer or borrower. 
3. The debt collectors have added on extra fees that were never provided to the consumer or borrower and is in violation of the FAIR DEBT PRACTICES ACT [ 15 USC-1692F ] 808 ( I ). Because an accurate certified STATEMENT OF ACCOUNTING has yet to be provided, the actual amount purportedly owed is misrepresented and violates the rights and entitlements of the consumer and or borrower. 
4. The purported debt collectors and or financial institution have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
5. The financial institution and or debt collectors are threatening to take property that is not theirs to take. This is a violation of the FAIR DEBT COLLECTION PRACTICES ACT [ 15 USC-1692e ] 807. 
6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law. 
7. After receiving notice to cease and desist all communication until the debt has been validated and verified the financial institutions and or debt collectors have violated federal law [ 15 USC-1692c ] 805 ( c ).
A credit report that I recently received indicated that I was in default of payments for what appears to be since the start of 2015. On my end, I made the final payment on the credit card and stopped using the card as the one I had expired. I never received a new card, so did not continue to use the credit card. Upon receiving this credit report, I see that I have been missing payments. Upon calling the company, they have been charging me a XXXX $ " minimum interest fee '', and then a XXXX $ late fee when that was not paid. Again, I was not receiving notifications of any bills or that the card was in any way active. The amount totaled to XXXX $ by the time I received the report, which I paid off immediately. Previous to this incident, I had been making timely payments to this credit card for approximately XXXX years. The company did not do a good job communicating that this was happening with me, and so I had no idea that they were still charging me even though I was not using the card. This has harmed my credit immensely and made it look like I do not make payments on time when this is not the case at all. I have paid the overdue balance and closed the account, and would like my credit score to be repaired.
Recently on my credit report I see a record for " Caliber Home Loans ''. The credit item shows a status of " Derogatory ''. I have called the number XXXX listed on my report for this company. I get a representative who asks my name and when they try to verify my address I explain I have never done business with them. the Rep will hang up on me. I have researched this company name and at one time it was called " Vericrest ''. Four years ago I had a mortgage with Vericrest Financial but sold my home for a profit. This company is reporting a derogatory item on my report when I have never done business with Caliber homes. The Vericrest Mortgage was closed four years ago as a sale. No foreclosure, a sale for profit. Each time I call Caliber as soon as I provide my name they hang up on me. I want this company to remove and stop reporting bogus info about me to the credit bureau.
I have a Bank of America checking account. I informed them that I was outside the country and couldn't use the account for the meantime. I have two checking account at the time then finally I was able to set up direct deposit on one of the account. I asked if they could waive the monthly service fee so I could close the other account. They said no to me and kept charging me monthly service. 

Then second thing that happened to me was I filed a claim to dispute the charge from XXXX. I informed them that my email and XXXX was hacked all my cards were on their system I found out due to fraudulent transaction from XXXX. After that it continued to charge my card. I kept getting new replacement card but the charges continued. They told me that the charges were authorize by me but I never did authorize the charge. I will be taking them to civil court. 

This bank is very unethical and deceitful.
Company is re-aging this debt on my credit report. This account was closed 6 years ago and they are saying the account was past due as of XX/XX/XXXX. 

They are also showing it was open on my credit report in XXXX this account has been closed since XXXX. I want this account removed, The balance is incorrect and the credit agency is violating the law.
In XX/XX/XXXX I had a payday loan with Spotloan in the amount of {$500.00} - the APR at 390 %. At the time I did not know that payday loans were illegal in New Jersey or at best there were usury limitations. 

I had three payments debited from my bank account, and before the fourth I sent Spotloan a letter stating Payday loans were illegal in NJ and also mentioned usury law, and at this time I was revoking my ACH withdrawals, but would repay the principal via money order - which I did. Spotloan stated they were not governed by NJ Law, but is governed by the XXXX of ND, and the principal and interest would have to be paid even though there payments are mailed to XXXX, IL. However, I repeated what I stated in my previous letter to them, and continued to pay the principal balance. I soon received phone calls from their Customer Service Dept., stating I owed money and if not repaid it would be turned over to their Collections Dept. which was then renamed Fraud Dept in phone calls and emails. Eventually, approximately three months later the calls stopped. 

Spotloan operates a website at www.spotloan.com and lists its contact information and address regarding payments and correspondence as : XXXX XXXX, IL XXXX XXXX XXXX If you have a complaint against Spotloan, you can mail it to : BlueChip Financial dba Spotloan XXXX XXXX XXXX, ND XXXX Now, in XX/XX/XXXX I have received a letter from a Collection agency with their letterhead reading XXXX in XXXX MO and the Creditor is listed as XXXX. The address listed for XXXX is XXXX, XXXX MO XXXX. Phone number is XXXX. There is n't any information on XXXX - just listed as the Creditor. I see several online addresses on XXXX ( which I listed below ). Also, the BBB dropped XXXX 's rating to an XXXX in XX/XX/XXXX and the FTC filed an injunction on XX/XX/XXXX. 

XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX, XXXX, FL XXXX
I had a XXXX XXXX membership card with a Credit card issued by Synchrony Bank. The Account Number was XXXX XXXX XXXX XXXX. The said account was replaced with a new Master Card issued by Synchrony Bank bearing Account XXXX XXXX XXXX XXXX XXXX. However it seems the old account was never closed by Synchrony Bank. I have been using new XXXX XXXX card and associated with Account # XXXX XXXX XXXX XXXX. 
I recently noticed old account was never closed and I was un aware and recently I got reported a delinquent payment of {$14.00} and it impacted my Credit Score negatively.

I spoke to Synchrony Bank person and have closed the account which was supposed to be closed when a New card was issued in lieu of old account but they have not corrected the issue.
I have written to each credit bureau and they refuse to take the inquires that I did not authorized. I authorized one company 16 months ago a 1 mortgage company, XXXX, XXXX XXXX, XXXX XXXX and XXXX only! I only authorize them to pull them once and if has pulled down my credit and I want it removed.
I deposited {$45.00} cashin my account, Key banks ATM stole my money gave back my card and said sorry ATM isn't working this was XXXX on XX/XX/18 I contacted the bank and spoke to 2 people who refused to do anything. I asked for the video and was refused I asked for information on who services the ATM and again they refused to give me any information or assistance in anyway of retrieving they money they stole. I was going to do a police report but it was closed. Basically they steel money and it's legal? I can do nothing because they are a bank. They have 0 customer service and do not care anything about their members.
I found a collection company on my credit report called XXXX XXXX XXXX. I called them and they said that the City of XXXX said I owed them for an account that was my mother 's. She XXXX XXXX  XXXX of 2016. This was not my debt it was hers. They told me to call the City of XXXX. The City of XXXX said they were charging me because I was her power of attorney. Power of attorney ends at XXXX. I explained that and they said that they knew that, but someone had to pay the debt. I was not responsible for her debts and could not pay them after she died. They said they refused to remove it, even though they knew my power of attorney ended at XXXX.
I had told the original debtor we do n't owe that money and then I even included it in bankruptcy and they keep giving it to various debt collectors and I have told each of the debt collectors sue me and we go forward once I receive your lawsuit do n't threaten me or pretend to work for the government and arrest me. Today they called my neighbor who I do n't know and she came to my door and said this number is leaving a message for you saying they are taking legal actions against you and they will arrest you and I do n't even know our neighbor, not sure why they called her she has no connection to me except we live in the same building.
Started refinancing. Closing statement ordered on XXXX/XXXX/2016. Closed, i thought, on XX/XX/XXXX. My attorny pd taxes and insurance, perdium for the days past guarantee. Tax pmt and insurance satisfied by our payments. Seterus, the company who my loan was with refused to honor closing and now asking me to pay XX/XX/XXXX house and escrow. They said they pd taxes on XX/XX/XXXX. Money was removed from my escrow acct between XX/XX/XXXX and XX/XX/XXXX. XXXX county ia treasurere has not received the pmt from seterus and they are now demanding pmt for both XX/XX/XXXX and XX/XX/XXXX. They also spoke with my attorney 's office and discussed the specifics of my accout without me on the line and even voiced that they were unable to talk and proceeded to discuss. I am reporting them fir violating my consumer protection rights. Today i recvd papers from them for being 30 days behind on a payment i should never had to pay and for an empty escrow acct that shouldnt be empty until XXXX XXXX.
I purchased a XXXX Chrysler PT Cruiser from XXXX in XXXX XXXX California XXXX/XXXX/XXXX, I first was mislead to believe that I would be able to refinance my vehicle after 90 days so I would n't have to pay the high interest rate of 24.99 % which was the amount Santander Consumer USA was offering me. Once I could not refinance I attempted to pay my car off early to eliminate some interest fees, however, Santander would not allow me to pay toward the principle balance unless I could contact them on the day the payment was received for it to be applied as a principle payment ( I contacted them several times to ensure this was their standard procedure ) was told the same information. I also had to return my vehicle at least four times within the first few months of my purchase due to A/C not working, and after the repair shop at XXXX returned my vehicle to me the second time stating they replaced my A/C compressor, the vehicle has not been in good running condition nor safe to drive since then. I attempted to replace the vehicle and called the sales rep. that processed the sale of my vehicle, I was told to call XXXX XXXX Office and state my dissatisfaction, in which I did but it was to no avail, I had to have my vehicle transported to XXXX, Ohio in XXXX XXXX, at which time I had to pick my car up again from XXXX repair, this time my vehicle was in even worse condition ; my car was loud, making a clunking noise, vibrating from under the hood when in idle position or when XXXX was turned on, to the point that I could barely drive the vehicle, the front grill was hanging off and the hood was not replaced properly, which caused snow to blow through my vents during the winter. I attempted to have all these continual issues repaired but to date they are unresolved. I have continued to make my payments on time for 26 months at {$380.00}, I am no longer willing to do so, with a payoff balance as of XXXX/XXXX/XXXX, over {$11000.00}. I am willing to voluntarily surrender the vehicle to Santander, and would like to be compensated for having to deal with unfair sales and loan practices from XXXX and Santander. My vehicle form that was on the window at time of purchase stated that it had been Certified which covered my A/C, I would have never purchased vehicle that was in such poor condition nor did I expect to pay Santander charge extra fees of {$10.00} each time I made a installment payment with them over the phone, this addition was not in the loan agreement contract from Santander. I also had a extended warranty added to my contract for the agreement amount of {$1800.00} however, over a period of 72 months it would have costed me {$3700.00} since the additional amount added to my monthly note was {$51.00}. This means that my warranty would cost me more then the resale value of my car according to XXXX XXXX XXXX ( if the car was in fair condition ). This entire ordeal is totally unfair, time consuming and stressful. I have been incapable of keeping my doctor appointments and deal with my chronic pain issues and stress related issues due to not having reliable transportation. I hope that this matter can be resolved in a timely manner.
I do not have a contract with Department of Ed/Nelnet. I am not liable for collection of these debts from Nelnet XXXX, Colorado. I am not responsible for this debt.
cfpb compliant # XXXX Sometime in 2015 a so call, friend, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , Maryland XXXX, ( XXXX ) XXXX illegally and without my authorization apparently withdrew over {$40000.00} from my SunTrust checking account. SunTrust bank allowed this to happen and refused to investigate after my repeated request to do so. Another friend and neighbor, XXXX XXXX on my behalf went to SunTrust Bank several times and requested that they investigate the theft of my funds. I requested SunTrust to forward my checking account statement including copies of all withdrawals. They refused to do so. At no time knowingly did I give XXXX XXXX a financial power of attorney to make withdrawals from my bank account.
I have a second mortgage that was sold to GreenTree by XXXX XXXX XXXX. Since being past due due to financial difficulties I requested to have I the mortgage loan refinanced. As part of the over the phone interview processed I was asked to provide my spouse income. I explained to the Green Tree representative that my husband is not on the current loan and that I did n't want to use his income for the application process. Only my income which has always been the case will be used to repay the loan. Being in banking I feel that this violates Regulation B __ECOA ( 12 CFR 202.5 ) regarding rules regarding the request for information about a spouse. The Green Tree representative refused to take my application since I would not disclose my spouse income.
Someone has used my social security number to make XXXX attempts to apply for a credit card using my former maiden name. Fortunately this person has never succeeded, but I am left with XXXX hard credit inquires on my credit report with TransUnion. I placed a XXXX day fraud alert on my credit report. This person has made XXXX attempts to this creditor : XXXX, FL XXXX ( XXXX ) XXXX
I took out a XXXX loan with a repayment amount of XXXX by the date of XX/XX/XXXX which would automatically draft from my account. The attempt to collect the payment was not done until XX/XX/XXXX ( which was verified with the lender and bank ) unfortunately other items came out of my account the day prior resulting in the payment being returned. Had the payment come out on XX/XX/XXXX as agreed it would have gone through and the other item would have been returned. I also applied for a loan during this time but received an error that a loan could not be provided until the previous loan was paid ( This is how I found out that the payment did n't go through ) although the error was provided the loan was actually processed unbeknownst to me and the repayment amount was XXXX as opposed to the XXXX I could 've given right back to them because I now had to worry about paying the other loan. They are not returning calls or answering my calls since these errors have been brought to there attention and they are continuing to take on additional interest and fees. Please help me. I only did this to help my mother with her XXXX meds I just want to pay them what I owe.
TD Bank USA/Target Card Reported on    XXXX   credit bureau twice.  XXXX  different account numbers,  XXXX  different open dates  XXXX  for  XXXX / XXXX / XXXX  and the other  XXXX / XXXX / XXXX .    XXXX  account charge off amount says {$0.00}, the other account says {$1100.00}. I contacted Target yesterday  XXXX / XXXX / XXXX  about the accounts, c she verified I only had  XXXX  account with them that was settled in  XXXX   XXXX  and said I should dispute with credit bureau. I tried twice prior to calling and it was never removed.
My account was closed for cause. I deposited two third party checks and the next day my account was frozen and closed for cause. I ended up having to call the check issuer a and have both checks re-issued. Wells Fargo has reported to XXXX that both my savings account and checking account were closed for cause which has caused me to be unable to open a bank account. The banks are too quick to close for suspected fraud which is causing many consumers unnecessary inability to open a bank account.