WillisBack/dataset-financial-user-claim huggingface dataset:
I just found out that Synchrony bank has been charging me {$10.00} a month on a card I've had with them since XXXX of 2015. 

For the last six months I had been wondering why I couldn't get my balance to go down. I thought maybe I had a subscription to something that I didn't realize I had subscribed to, so I cancelled the card. I was still getting these fees and not understanding where it came from. I messaged someone on the live chat. They told me I signed up for it, what it was, and why it's been there. I reacted in a very shocked manner because I really couldn't believe eyes. 

Keep in mind I'm a XXXX year old attending XXXX  full time. 

I messaged XXXX on the secure messaging system, as well as the live chat, as well as emailing synchrony and XXXX. Nobody would help me and the live chat employee told me to call a number to have them cancel and refund me. XXXX. 

I called and after being on hold for 20 minutes, the CSR answers and of course, tried to give me the run around. At this point I was furious. I kept telling her " I did NOT sign up for this, and I was NOT aware of it. I need you to cancel it and give me a refund '' I was told I'd be refunded {$360.00} ( Out of my {$610.00} total, meaning I had only accrued {$250.00} on this credit card myself. ) I never received the {$360.00} refund. 

This " optional '' security fee that nobody is informed of, ended up costing me over half of my balance. Why would I pay for something that would get rid of my debt in the event of " losing my job '', when it costs over double what my actual balance is??? THAT MAKES NO SENSE. 

This is a SCAM and it is deplorable.
This is a complaint against : Credit Management , LP Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX https : //www.creditmanagementonline.com/contact On XXXX XXXX, I received the attached statement ( alleged debt letter XXXX and XXXX ), dated XXXX/XXXX/15. It is the first and only contact from them. It was for a XXXX debt owed by a person with a similar but different name, and I have never had a XXXX account. This is not my debt. I have already contacted them about this but do not yet have a reply. 

Further, prior to them contacting me about her debt, they made derogatory reports about me to all XXXX credit bureaus ( attached ). That is malicious, libelous, and a defamation of my character. I demand that they contact the agencies at once and have all negative remarks and accusations removed. 

Further, according to the Fair Debt Collection Practices Act, XXXX XXXX, Validation of debts [ XXXX XXXX XXXX ] : ( a ) Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ... 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


They failed to perform the quoted sections ( failed to make these statements ) and are thus in violation of the Fair Debt Collection Practices Act. A full copy of the first and only contact is attached ( alleged debt letter XXXX and XXXX ) and shows that these were omitted. 

Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people in the country with a name similar to XXXX XXXX received similar letters. They went rather wide by mailing XXXX to a person XXXX. 

They need to correct this at once.
On Saturday XX/XX/XXXX I opened an account at a Bank of America branch and deposited a payroll check for {$14000.00}, withdrew {$4300.00} and deposited the {$10000.00} which the teller told me since the check was drawn from the same bank ( Bank of America ) that there was no hold but take one business day to clear.  Monday morning I find out that b of a is closing my account with out giving me a reason ok thats fine. Im requesting to withdraw my funds of {$10000.00} since they decided to close the account. They put a hold on the check thats already been partially paid to me until it clears and are telling me now its not going to clear until the XX/XX/XXXX. Why is it taking so long to clear a check they issued and originally told me would clear Tuesday XX/XX/20. I am XXXX and need the cash to move as well as help my father with XXXX XXXX and medicine. There is no fraud, no overdraft balance nothing that I did to cause this. I was advised by them when I took the check into the bank that I couldnt cash the check because of the amount was to high as a non customer and they had me open an account to cash the check and then two days later decided to close the account and hold my funds. If I would have known that was going to happen ( remember the teller told me no hold and by Tuesday midnight it would be in there cleared. ) I would have taken the check to my bank so the put me in this place essentially and are now holding my money on a fictitious reason.
I am having trouble signing in to XXXX saying one of my security questions was answered incorrectly. XXXX advised me to contact Experian by phone to have them reset my account, as I know I answered the questions accurately. Low and behold, there is no way to speak to a live agent there and their IVR is the worst I have ever experienced. I want them to contact me since the credit score is through them.
I filed, y taxes online through IRS and I had the option to either get my refund loaded on a pre pay card, Direct deposit or either get them mailed out to me. I choose to get the prepaid card through this company called Pay Power. 
I called paypower on today, which is Wednesday, XXXX XXXX, 2015 and I asked for my balance and I was informed that it was a balance of 300 dollars on my account. However, when I went to use my card I was informed that it was block on my card, mind you I have never used this card before. I called Paypower to find out what was going on and they informed that my card had been blocked because of Fraud. I asked them if they partner with the IRS how could it be tagged as fraud. I asked for his name and I XXXX number and then he hung up on me. I want to know how is there anything I can do to get my money back.
Keeps calling day and night from many different phone numbers, always 'spoofing ' my caller id. Its getting beyond XXXX.
On XX/XX/17 Alpine Credit charged my credit card for {$1800.00} confirmation number XXXX. Speaking to XXXX, the authorization to charge the card was based upon their agreement to make an exception to their standard policy and delete the record based upon my address changes that my non-receipt of any prior notices. 

On XX/XX/17 I sent a letter demanding proof that they were authorized and/or contracted to collect the alleged debt and for documentation. No response received. 

I have made two additional calls to Alpine and asked on the status for the deletion, and was told that they do not do that. I advised them of the conversation with XXXX on XX/XX/17 and was told that there was nothing they would do. 

I did not authorize my card to be charged without the aforementioned deletion and would under no circumstances have provided that information to them. 

Furthermore I believe they have multiple FCRA violations on every contact with them, they have never identified that they are a debt collector and that any information they collect may be used. Per the FCRA.
I have sent this company 4 letters asking for, copy of contract, the accounting log any addendum of contract, sales documents. Every time I get no response. I think the total purchase price was XXXX  with a 7 or 9,000 trade. The loan had fallen behind and called company and got payments caught up but I was supposed to have a lower revised monthly payment as I was a victim of XXXX and at times had to hide and I feared for my life. I called finance company to explain and send proof of my fleeing for safety, they refused to work with me, refused to send me anything on new arrangements and said there were non. I explained I was going thru divorce, that I am XXXX on XXXX  and this is a fixed monthly income. I also asked to show me how I could owe more for a car than the sales price especially when I had a trade in of 7 to 9000. I was informed they would not adjust, or send me anything until payments were current I again explained I was a victim on a fixed income and my spouse wasnt paying support and stoped paying on home that my spouse left two days after my mom passed stopping direct deposit leaving me a home in bad shape a XXXX  parent to an infant and knew I was to pay to bury my mother. This company then just ignore me and refuse to respond to my request to validate money owed. This is now creating a major heartache that I am looking to buy a home and this truck constantly breaks down and no money to fix it and cant purchase another car without a huge deposit. I need to get to my doctors and take my 6 year old for her doctors but this company will not respond.
Numerous documents have been emailed to BMWFS in regard to payment taken out of my account in error, XXXX on XXXX, an overdraft fee in the amount of 35.00 as well. Its been several weeks since initial documents emailed, they were confirmed received, still no refund issued back. BMWFS reps state the matter is being reviewed/worked on but nothing is actually done. The last rep by the name of XXXX stated she was working on it, requested new documents which she received, still indication of refund ( s ). Please do not mark this as a duplicate, there is additional information contained
Purchased furniture at XXXX 's in XXXX CA, applied and received credit on a Brandsource CC for XXXX 's. XXXX XXXX 's cash for amount above XXXX. Used card for XXXX balance for interest free promotion. Within less than a month XXXX doubled my balance to max card out at XXXX. Many attempts made to resolve problem with XXXX 's and XXXX. Took 2 months to get the charge off. In the meantime, XXXX had turned in maxed out card balance to credit bureaus that dropped my credit scores after stating they would n't do that. 

Now getting letters from XXXX security at their company that they intend to reinstate that fraudulent double charge again. One letter made on 1XX/XX/XXXXand another on XX/XX/XXXX, both from XXXX Credit Card Security. I have saved these letters and have sent a message to the effect of starting legal action if they do just that. 

I also had called Citibank, my own place of banking, and asked if they could intervene on my behalf to help me since the XXXX card is issued by Citibank. They would not help.
For many years, I have been on an automated student loan repayment plan with Navient, where they withdraw {$70.00} each month from my bank account. This month the loan was finally fully repaid on XX/XX/18, with the last payment slightly reduced to {$70.00} to reflect the last remaining amount on the loan that was actually due. 

After this months payment posted on XX/XX/2018, Navient showed I still owed a balance of XXXX cents on this loanand that they had scheduled another $ XXXX payment to be withdrawn automatically from my bank account next month. If I had actually still owed XXXX centsthen the amount they should have withdrawn this month for my last payment would have been {$70.00} XXXX still XXXX cents less than my normal monthly payment ), and resulted in a zero balance. 

I can only guess that having their system erroneously reduce the normal payment on what should have been my final payment for the sole purpose of producing a small amount still owed on the account apparently allows their system to attempt to fraudulently withdraw a full payment ( clearly no longer owed to them XXXX next month from my account. 

If I hadnt caught this, who knows how many more months they would have unjustifiably generated a small balance still due on my account for the purpose of continuing to fraudulently collect a full monthly payment no longer due to them from my bank account through their automated system.
XXXX XXXX XXXX XXXX is reporting negative incorrect information on my XXXX credit report. They are in violation of the FCRA which requires consumer reporting agencies to maintain an accurate file of my credit information. My credit score has dropped over XXXX points because of this error. They have also misspelled my name and provided inaccurate mailing information. After disputing with XXXX , I was told it was being reported correctly
Sent letters to XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

Called and spoke to XXXX on XX/XX/XXXX about the late payments in the past and asked for a goodwill adjustment for the late payments. 

Never got a letter from the Credit Union.
Credit card balance has always been paid on time, never late. XXXX XXXX XXXX, I started having issues with Capital One stating I had not paid my balance. When this would happen I would directly contact my bank which would in return send the necessary and requested statements to Capital One showing the tracking number and when the payment came out. In late XXXX XXXX, Capital One contacted me stating again that my account was past due. At that point I thought the best option was to pay the balance ( again XXXX and according to Capital One they would issue me a refund check once the initial problem had been resolved along with the accuring interest that would totally just over {$900.00} for everything. Every time I called Capital One I would get another story about them processing the paperwork and that my refund and new card would be issued within the next month. Every week I would contact them and find out what the update was. I have been in contact with the fraud department at Capital One since XXXX XXXX and I have yet to receive my refund or my new card. I also asked if they had cleared my credit the the XXXX main bureaus because I did not what it to be affected because of something that was out of my hands. Over the past month I have called Capital One almost on a daily basis to see what the hold up is and this past week XXXX XXXX, XXXX, I was told to expect the card and refund by XXXX no later than today. At XXXX p.m. XXXX XXXX XXXX I realized that yet again I have been lied to about what is actually going on so I called and spoke with the company yet again. This time I was informed that they could see a card had been issued but no tracking number could be found. I also asked about my XXXX XXXX considering I have spent some time improving it. 

I just want my credit cleared and my refund issued back at this point. If you could look back at my payments with Capital One you will see that all my payments were paid immediately after a purchase cleared.
Notice to Cease Communications Certified Mail TO : Citibank XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2018 RE : Acct. # s XXXX & # XXXX To Whom It May Concern, This letter is in response to the many phone calls I have been receiving from you concerning the above mentioned accounts. 
1. I am requesting Citibank to cease further communication with me by PHONE concerning these accounts. 
2. I am requesting Citibank to close both these accounts Please DO NOT communicate further with me via phone with respect to these accounst. 
You are harassing me calling numerous times and leaving messages as I have a seriously ill individual who I care for and these numerous calls stress her. 
Pursuant to the Fair Debt Collection Practices Act and Fair Credit Reporting Act,, [ 15 USC 1692c ] Section 805 ( c ) : Ceasing Communication, you must stop all communication with me after receiving a letter that I no longer wish to communicate with you. Therefore, do not call me at home, at work, on my cell phone or any other phone. 
I am keeping a record of each call. I am requesting that you communicate with me only in writing. I simply wish you to cease all communication via phone calls. I do not admit or deny liability on the debt. I just want you to stop calling me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
I placed a living room order with Rooms To Go far back in XX/XX/XXXX, and after careful consideration of my living room layout and wall color, which resulted in some changes to the order as deemed acceptable by the sales man ( XXXX XXXX ) at the time, so far the price of the selected item is not more than what is on the package. 

We settled for the items below : XXXX Pc Living Room Package {$2400.00} List of Living Room Package Stationary Love Seat Recliner Sofa XXXX ( Nos ) End Tables XXXX ( Nos ) Tablr Lamb XXXX '' TV Console Oval Cocktail Table XXXX ' LG LED Card ; Sofa Protection Plan {$120.00} ; Rug Padding {$47.00} ; Decorative Club {$59.00} ; ( Although I never knew this was added, I will take the bite as I should have seen and rejected much earlier ) Rug {$310.00} ; Delivery {$150.00} ; Sub Total {$3200.00} ; Tax ( 6 % ) {$190.00} Total {$3400.00} Payments Made XXXX {$350.00} XXXX {$40.00} Coupon : {$100.00} Total {$490.00} Finance Amount ought to be {$2900.00} but amount showing on the statement is {$3200.00}. Difference = {$310.00} I have made repeated contacts with Rooms To Go even before delivery but got no help on the difference. Had I known this will drag this long, I would have rejected/returned the order way back. As matter of fact, I strongly believed I was dealing with customer focused reputable company that would resolve issue with ease until we called the Corporate office who directed us back to the Store. When they call to see how the items are, we mentioned the ongoing issue and again they said go to the store Since there was no progress, We contacted Sychrony Bank XX/XX/XXXX. They promised to get my proof of claim but even with repeated calls to them, they eventually sent a letter on XX/XX/XXXX, received XX/XX/XXXX stating that they would go with Rooms To Go because we signed the receipts. Please, permit me to ask " If one signs to authorize payment after a purchase from a store/retailer, only to get home to find errors on the receipt / bill, will the signature be a basis not to make claim or request a refund? If anything, I would imagine you will, at the very least, get a proper explanation of why your bill is as is. This is all we have repeatedly asked for. Pretty much let us understand the bill In any event the case was closed, thus our recourse to you. we will attach proof of promotional package price ; picture of what we have at our house and payments made. As for the coupon, it was not returned to us after they collected to apply on the rug. 

Again, visiting Rooms ToGo earlier today, XXXX finally offered to refund about {$150.00} dollars which is about half of what is due. This is not acceptable. We are tired at this back and forth and per XXXX, Rooms To Go will not accept the items back because we already took delivery, meanwhile they took over 2 months to even accept we were over charged.
In contrast to as recent as XX/XX/XXXXthe Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General levying heavy fines against Wells Fargo Mortgage in excess of {$2.00} Billion for fraudulent activities perpetrated against hardworking mortgage holders. Wells Fargo Mortgage XXXX XXXX Senior VP of Lending and Executive Resolution Managers XXXX XXXX, XXXX XXXX  and their entire team have devised a new scam to continue defraud Home owners, already defrauded by the Banks deceptive employees by transferring or selling their questionable Mortgage Loans to XXXX XXXX. Both companies have been notified numerous times in writing by us of directly violation 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX  Bankruptcy Court .

In the case of XXXX XXXX, we have served written letters ( see attached ) begin XX/XX/XXXX to cease and decease all collection attempts on our Wells Fargo Mortgage Account since XXXX XXXX is third party to a debt already in dispute with Wells Fargo Mortgage, and therefore lacks proper jurisdiction as a debt collector pursuant to 5 U.S.C. 1692-1692p, to date we have been ignored while the harassment and collection attempts continues. It should be noted, Wells Fargo Mortgage in its deceptive attempt to unload a questionable debt to a third party debt collector XXXX XXXX  which in turn recruited XXXX XXXX  an individual located outside the United States in the country of XXXX to further enhance the original fraud perpetrated on our mortgage account while making false statements to the Chapter XXXX in the XXXX  District of California. XXXX XXXX   on behalf of Wells Fargo Mortgage apparently ignore our XX/XX/XXXX letter ( see attached ) and proceed to file a fraudulent Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXXt, XXXX XXXX XXXX XXXX

In summary, the same fraudulent activity perperatered on us in XX/XX/XXXX by Wells Fargo Mortgage in Loan Modification Bait & Switch has now mushroom into additional fraud by all parties making inconsistent statements to the Chapter XXXX  Bankruptcy Court.
Wells Fargo Student Loans : I am a recent college graduate paying back student loans. I have XXXX in total all different lenders. Wells Fargo does NOT work with you. I have been late on my payments due to not being able to afford paying back my student loans at times. 

Issue causing distress : * Wells Fargo immediately reports a late payment to the credit company if you are a day late with payment ( other student loans do not do this you have a 30 day grace period before they report it to credit ) *I will call in and tell them I ca n't make my due date but can make the payment the next day and still get a late payment sent to my credit. 
* On top of the late payments being sent to credit if you are past your due date they will call you 10+ times a day every day ... even if you answer the phone to tell them to notate your account that a payment will be made on a given day they say " this will not stop the calls '' and the calls continue to happen until the payment is made. They will also call your Co-Signer and your Co-Signer will get the 10+ calls a day ... my grandma can attest to this. 
*I had also requested an automatic payment form to be sent to me at least a dozen times before I was adamant to stay on the phone with a rep until it was received in my inbox so I can fill out and send back ... 

I do n't believe Wells Fargo is fair with their lending. Student Loans should not affect your future. Lenders should be willing to work with you they should be for your future and not against it because they want to make a {$.00} I do n't believe it 's right for a student loan company 's ( this one in particular ) to report a late payment to the credit company a day after their missed due date just to affect their credit more when they are trying to work with the lender to make their payments. They should have a grace period like other student loan lenders. It sets students up for failure in the future when it comes to applying for homes or other things that matter in life ... it 's hard enough that we have to go to college pay {$50000.00} + to graduate and have to re-pay that back right away job or not and not have a lender work with you on payments.