WillisBack/dataset-financial-user-claim huggingface dataset:
I have taken the liberty of compiling all of the credit card and credit limits that have been affected due to Synchrony Bank 's harsh and detrimental behavior. The credit cards are as follo w  s : 1.   TJ Maxx/Marshalls  XXXX   XXXX   XXXX   XXXX , card ending in  XXXX , {$2400.00} limit - closed completely in  XXXX  without explanation and had a {$0.00} balance, open since  XXXX , never late 2.  XXXX , card ending in  XXXX , {$6000.00} limit - lowered to {$100.00} and had a {$0.00} balance when lowered without explanation, open since  XXXX , never la te 3 .   XXXX   XXXX    XXXX , card ending in  XXXX , {$5000.00} limit - lowered to {$630.00} and had a {$200.00} balance when lowered without explanation, open since  XXXX , neve r late 4. Walmart,  card ending in  XXXX , {$1200.00} limit - lowered to {$100.00} and had a {$0.00} balance when lowered, just recently closed  XXXX / XXXX / XXXX  without explanation, open since  XXXX , never  la  te 5. Amazon   Prime, card  ending in  XXXX , {$2500.00} limit - lowered to {$100.00} and had a credit of {$140.00} when lowered without explanation, open since  XXXX , nev er late 6.   XXXX   XXXX   XXXX   XXXX  , card ending in  XXXX , {$3500.00} limit - lowered to {$1500.00} and had a balance of {$1200.00} when lowered without explanation, open since  XXXX , never  late 7.  Care Credit, card ending in  XXXX , {$3900.00} limit - lowered to {$2900.00} and had a {$0.00} balance when lowered, just recently closed on  XXXX  without explanation and open since  XXXX , never  late Total affec ted amounts : {$24000.0 0} New limit totals :  {$2300.00} Now you can clearly see why I am upset and am boycotting these stores. This entire situation has impacted my credit negatively. Synchrony Bank not once reached out to me during their credit lowering and closing process.     Thank you again,  XXXX
I have a home line of equity loan from Bank of America for approximately {$130000.00}. It is coming to a balloon status in XXXX 2016. I have proactively tried to request an extension and had taken over 5 months to complete the application and trial payments. They have sent the new document to sign with the new terms in regards to the extended time of 180 months and the new payment will have to include interest and principal. The concern that i have is that the new agreement does not mention the interest rate for the new agreement and it does not indicate in plain language that the rate term will continue as the original agreement of adjustable rate that is prime minus 1 %. I have spoken to several relationship manager and they all have verbally explained that the rate will continue as the original agreement but they cant send anything in writing. I asked if they can email or I can email them with this information and they declined. All their calls are however recorded but i am not allowed to record any of their conversation. How can i feel assured with the new agreement that they are asking me to sign will in fact have the rate of the original document. My original loan document was with Lasalle bank which was acquired by Bank of America. I have always paid on time and am current on my loan. I hoped that i would have received the fixed rate on the extension but they said that the term can not be changed.I would have to apply for another loan. My home is underwater at this time.
DEAR CONSUMER FINANCIAL PROTECTION BUREAU  SO IM SUB MITTED WRITTEN COMPLAINT FORM AGANIST AND FINANCIAL BANK COMPANY THAT OFFER GOVERMENT BENEFITS CARDS THREW TH E US  DEPARTMENT OF TREASURY SO ASLO I CALL MY BANK CREDIT CARD COMPANY TODAY AND INFORM THEM ABOUT AND TRANSACTION FUNDS THAT WAS MISTAKEN OFFER MY DIRECT EXPRE SS MASTERCARD ACCOUNT 16 DIGIT  NUMBER SO ASLO I CAN PROVIDE THE TOLLFREE CUSTOMER NUMB ER I C ALL  XXXX   SO ASLO  WHEN I CALL CUSTOMER SERVICES DEPARTMENT ABOUT MY  MASTERCARD  ACCOUNT NUMBER THEY SAID THE ONLYWAY THEY CAN TELL ME WHERE MY FUNDS WAS MISPLACE OFFER MY CREDITCARD THEY WILL HAVE TO CLOSE  MY MASTERCARD ACCOUNT NUMBER AND START AND INVESITAGATION WILL TAKE 30- 60 DAY S FROM THE DISPUTE TRANSACTION DATE  XXXX / XXXX /  XXXX   WAS THE DATE THAT THE FUNDS WAS TRANSFER FROM MY MASTERCARD ACCOUNT NUMBER TO ANOTHER BANK CHECKING ACCOUNT SO THE SPOKE PERSON I TALK TO OVER THE PHONE IN DIRECT EXPRESS CUSTOMER SERVICES DEPARTMENT INFORM ME THAT THE FUNDS ARE  FDIC COVERAGE INSURANCE BUT THEY COULD NOT TELL ME WHERE MY FUNDS WENT EVEN KNOW THE COMPANY HAD ACCESS TO MY MASTERCARD ACCOUNT NUMBER SO I TOLD MY CREDIT CARD BANK COMPANY I DID NOT MAKE FALSE MONEY TRANSFER FROM MY GOVERMENT BENEFITS CARD SO THEY ASLO IMFORM ME THAT THEY COULD SEE THE CARD ACCOUNT TRANSACTION BUT COULD NOT TELL ME WHAT FUNDS THE COMPANY WAS PAY TOO WITHOUT MY CONSENT MAKING MY OWN TRANSACTION CARD ACCOUNT HISTORY SO THEY TOLD ME AT DIRECT EXPRESS MASTER CARD CUSTOMER SERVICES CENTER SOMEONE ELSE HAD ACCESS TO MY MASTER CARD ACCOUNT NUMBER WITHOUT ME KNOWING ITS SO THE BANK CREDIT CARD COMPANY FALIURE TO HONEST PROMISE CONSUMER CREDIT CHARGE BACK TO MY 16 DIGIT MASTERCARD ACCOUNT NUMBER SO I HAD TO CONTACT DIRECT EXPRESS CUSTOMER SERVICES DEPARTMENT 7 TIMES AND WAS STILL UNABLE TO RESOLV E DISPUTE WITH MY BANK CREDIT CARD COMPANY
I pay on my account 01 to 08 month of 2016 toyota motor credit have dramge my credit with negatively mark on credit so i can not trade my car i had 5 month left on lease every dealer ship i with to had hard time get information when they call and went they look at transunion i had now if i pay a lease car for 10 month they would have came got call they just do want see me trade car they close my account and did want me to pay on it .i still have car we going court this was a lemon car deal for new car to shut me up now i having problem 5 month left i have paper from attorney General of they violation on that i trade for lease i did want to lease and i did have good credit to lease
I am sure that I am not the only person having this problem. Soon after the XXXX data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like XXXX, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.
Wells Fargo contacted my phone in attempts to bring my joint account with my husband up to date. I told them i was aware of the over drafted account but due to the sudden loss of my mother, i lacked funds to bring the account up to date in order to pay for her funeral. I told them not to contact me not my husband because i will bring the account up to date when my husband i returned home from her funeral and there was simply no need of a reminder. They responded and said okay and within the days they reached out to my husband several times and i finally answered the phone reiterating that i demanded you all not to contact us during our time of hardship, we were aware of our debts and when we had the money which would be next week, we would replinish the account. I am already emotionally distraught due to my mother 's passing and their constant harassment is not helping.
Sagestream LLC is reporting negative credit information, I want info removed and them removed from reporting, thank you XXXX
I have the children 's social security and my XXXX pension deposit on Direct Express Debit card. This has happen in the past as well and YOU did NOTHING to hold these criminal at Direct Express accountable. In the recent incident two vendors XXXX XXXX for {$85.00} plus {$89.00} and XXXX. XXXX XXXX {$84.00} both of New York. Have without authorization taken out money from my account. BOTH were told they NEVER EVER had any authority to withdraw and money from my account. XXXX XXXX has NOW done so twice. EVEN after both them and Direct Express to stop. 

Direct Express said it would NOT stop those transaction and refused to take any action that stop that vendor or others in gain access to any money in my account. In the past they said as company they felt need to redirect any social security funds back out to other businesses. In the last 3 or 4 incidents and in my dealing with Direct Express that have STOP making such remarks. BUT are clearly doing every thing they can to encourage that type of theft. 

I have accounts with other banks as well as credit cards. I have never met a credit card business that was refused to help it clients and to openly encourage that type of theft. There was about a 5 day period where it says the transaction is pending and should be reverse able. Direct Express refused to take any action till after the funds have completed it transaction and can ONLY be returned by the free will of the merchant. This is beyond insane. 

It is 2016 there are many legal and ethical businesses working online. So of the best deals are online. Direct Express will not allow me to pay for my mobile phone with XXXX that offers the cheapest service. There are other vendors it will not allow me to use. I had contacted them and Direct Express said those vendors had ties to terrorist group. I had contacted many afterwards ALL had denied any connection to terrorists. Direct Express had noticed and pointed out I had a single Pay-Pal transaction. They claimed with Pay-pal they could do an instant refund. 

Prior to tis nightmares other then XXXX customer service I would said I like Direct Express as means of handling Social Security and my XXXX pension. It seem to work like a BANK in handling direct deposit, did not charge a fee for doing nothing at all. And it was suppose to not allow any bounce check fee. Direct Express is clearly idelaogy opposed to hand federal funds to children collecting social security and federal pension funds. Pleas take the most aggressive action possible against Direct Express. 

XXXX
I have not received confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this final notice to your offices .Past this point, the CFPB wilXXXX have authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. please send with your return receipt respond to the CFPB that you did answered the affidavit 15 working days should be good to respond seeing that you validated it and must have investigation at hand. this pertains to Portfolio Recovery, XXXX, XXXX, XXXX complete documentation of your Validation investigation, Portfolio Recovery A consumer contract with my signature, yours and companies on same contract allowing you to report to the CRA 's
In XXXX, I was devastated by hurricane Irma. We spent XXXX days sleeping with our XXXX children in our car before FEMA could step in and find us a hotel. Everything in our trailer was destroyed. FEMA couldn't help us with the trailer. As a school teacher, I'm not afraid of hard work, but no one could work. I called my mortgage company and Capital one car loan. They granted me a two month reprieve. However, I couldn't catch up. I really tried. I worked extra seasonal jobs at XXXX. I was sleeping for four hours and working 20. Recently, I came to the realization that if I don't slow down, I'm going to die. I began to get migraines and numbness. An XXXX show that I need to be concerned about my health. I talked to my husband, prayed, and saw that the best option was to voluntarily surrender the car. I called Captial one on XXXX explaining that I wanted to surrender the car. The agent told me someone would call me to make arrangements. No one called. I called back on XX/XX/16 explaining that I removed the insurance on the car and I'm worried that someone will steal the car to please come and get it. The person on the line told me that my number was on the don't call list and unless I rescind that I would have to wait for the car to be repossessed. I am trying to mitigate my lost and capital 1 is trying to drag out the process to make me pay more at the end.
Campus Student Funding , LLC ( paid through XXXX ) This is a private school loan taken over by Campus Funding when XXXX was in process of bankruptcy. They bought these school loans in hopes to collect money from the students. None of this monies was personally give n to me. It all went back into XXXX
Acc. XXXX , commonwealth financial. This is the second time a dept collector came after me for this. This is not me. They asked me for my SS number I said you tell me what you have on file. Last time it dropped my credit score by 17. I got it taking off . Now a few months later this different collector started calling. And my score drop 45, from excellent to good . this is unacceptably.
I would like to opt out of all Trans Union, XXXX, XXXX  pre approved credit card promos and insurance promos. My credit file has out date information listed that needs to be removed. My current address is XXXX XXXX XXXX, XXXX, OH XXXX I do not live at XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have found out that my name and credit file has been confused with perhaps another XXXX XXXX with is not my name my name is spelled XXXX XXXX XXXX . I HAVE NUMBER ON MY FILE I DO NOT RECOGNIZE. PLEASE DELETE AND REMOVE THE FOLLOWING NUMBERS : XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX )
This account with XXXX XXXX XXXX XXXX was never late, however it is showing late payments on my credit report. The creditors have asked me to dispute it with the credit bureaus. below are the months that are reporting late. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
I recently got almost XXXX taken from my checking account from a 3rd party global collection from Bank of America.. They said it was. " tax levy indiviual " withdrawel from XXXX an audit done on my taxes from XX/XX/XXXX. I also have a mortgage issue with Bank Of America where i pledged my stock to get a mortgage when i got another company to pay that loan, BANK OF AMERICA is refusing to have ever taken my stock as collatorall and XXXX will not speak on it they sold my debt to XXXX XXXX in XX/XX/XXXX! Can you help?
I had a XX/XX/XXXX report at XXXX with XXXX XXXX XXXX, then in XX/XX/XXXX I tried to open a business account at Well Fargo where I was a secondary signee.
The account was opened and after a few days it was closed because of the XXXX record. I did not have 7 days with the account and no transactions were done. Wells Fargo also kept the {$100.00} dollars I opened the account with.
After I was denied opening a business account at Wells Fargo onXX/XX/XXXX I requested a report and this is what I found : Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause-Purged Previous Account Status : Closed For Cause.
Wells Fargo has created a file just because I tried to open an account, I have done nothing to defraud anyone, ever.
The XXXX record with XXXX XXXX XXXX was due to overdraft fees from a payday Loan company that stubbornly kept doing the check presentation even after I talked to them about my situation to make an arrangement.
I am not a con man or a schemer. I just fell in a long unemployment period, which last time I check it is not a crime.
The XXXX XXXX is lazy. Everybody is thrown into a pool with the criminals and the XXXX XXXX of this world. Who is going to fix this system?
I request that these reports should be totally purged from my file. I have been delivered an economic XXXX XXXX, and possibly an employment opportunity just because of unemployment.
Theykeep calling my employment every single day, my boss is advising me that they can't call here.
XXXX XXXX and XXXX in the Office of Consumer Affairs told me that even though XXXX XXXX XXXX put through a deletion for my account and provided a confirmation in the form of control number XXXX, which is used as confirmation by Equifax 's business team, Equifax was still refusing to delete the information. They said even if I provided the letter from the creditor that says the item was reported as deleted, they still would not delete it. They completely refused, saying that I should file an additional dispute even though XXXX XXXX XXXX has told me they have received none of the disputes from Equifax that I have already filed. Equifax told me they would offer no relief for the incorrect information.
On XXXX XXXX 2015 my XXXX Mitsubishi Truck was totaled loss andNavy Federal Credit Union financed it and I purchased GAP because theRep ex plainer that my truck if ever loss would be replaced at Bill of SalesValue. The wreck was n't my fault and they took 100 % Liabilty for the XXXX Mitsubishi. 
XXXX NFCU paid XXXX XXXX from XXXX XXXX and willReimbursed from the they 're insurance. XXXX the Claims Repfrom NFCU refused to pay me XXXX. XXXX deductible stating it was included in the XXXX. Despite GAP Claim on NFCU Website they pay up to XXXX & XXXX for replacementvehicle. XXXX also has filed a claim demanding the XXXXGAP Reimbursement from the driver at fault insurance company. 
They refused me another vehicle because of my lowcredit score- that 's not what they 're sales representativeexplained to me XXXX XXXX years ago when I Purchased GAP norWhat they 're NAVY FEDERAL CREDIT UNION WEBSITE STATES. 
I 've been without my truck for a month and they received XXXX plusXXXX.XXXX and I still have my rights violated by NFCU FRAUDULENT SALESPRACTICES AT TIME OF PURCHASE.
I have dispued this before. This is not mine I have asked for proof of how this phone account happened. No one can prove where I have signed for this no ID for this or anything. Also this was to have been in 2009 so should it not be removed anyway?
In XXXX of 2017, My wife and I closed our loan for our new house in XXXX, CA. It is a VA loan issued through XXXX XXXX XXXX. This complaint is NOT against XXXX. Since closing, we have received several offers in the mail to change our loan from different companies. One we received was from Credence Funding, NMLS # XXXX. On the one page letter, it states the " Payments based on 30 year fixed rate of 2.25 % and the original loan amount of {$250000.00} '', and " Payments are fixed for 30 years. '' I contacted the company today to discuss getting this loan. I talked to XXXX at XXXX. During the discussion, XXXX indicated the current rate was 3.25 % and my P & I would go down approximately {$80.00} per month, ( not the {$240.00} quoted on the notice ). When I questioned him on the published rate on the notice the company had sent me, XXXX said that was for the XXXX  ARM loan, not the 30 year fixed. I explained to him that the notice I have in hand from his company specified it is for a 30 year fixed loan, and did not mention a XXXX ARM at all on the notice, XXXX said it was probably just the marketing group that put out the notice and it is only for XXXX ARMS. I thanks him for his time, and informed XXXX that I was not interested in an ARM, and ended the call.
On XX/XX/2017 my son went to the ATM to deposit {$600.00} in money order and {$59.00} cash. The machine only took the {$600.00} and {$30.00} cash and he went to the counter to deposit the {$20.00} cash. I checked my account and nothing was posted. I went to the branch and they said nothing was out of order. I have my money order receipt for the transaction.
My count number is ending XXXX. I am repaying then thru XXXX XXXX in Wyoming who set up the repayment of {$210.00}. I had credit card protection for over two years when I got laid-off XXXX, of 2012, The insurance only paid for 12 months even though I paid the full amount till my unemployment ran out. The insurance company said they only pay 12 months and the criteria changed they now pay 24 months but I never received any notice to that effect. I paid all those months for no protection over one year and 6 months. This is not fair for which I told them but they did not want to hear my complaint. Please look into to and let me know if I will be a participant in the Citibank Settlement. The new criteria is for a new issue not my problem. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX cell
I found out today that there are several fraudulent charges on my XXXX debit card issued by Comerica Bank ( DirectExpress - USDirectExpress.com ). I 've tried multiple times to dispute these, but each time I 've been disconnected. I 've reached the first tier customer service- after giving all my personal info each time - and then they say I have to talk to " Level XXXX '' and they transfer me and then I get disconnected after they transfer me. One time I did reach a level XXXX rep and told her about problem being disconnected and she said it would n't happen again, and sure enough it did. They have the info regarding which charges are fraudulent, but apparently I still need to talk to another dept. anyway - yet I ca n't reach them. They ( the crook ) took all of my XXXX payment which is what my son and I live on and now there is no money left in my account so we are in a desparate situation. I 've also had other issues with this credit card company where they cancelled my card without notifying me and then charged me for a replacement card. I appreciate any help you can offer. Also, uploaded transaction info from bank website which shows XXXX of the fraudulent charges ( apparently there are others that have n't appeared on the website yet. ). The first XXXX charges are fraudulent XXXX XXXX, XXXX XXXX XXXX XXXX and there are also several not shown which are from the XXXX XXXX, CA area ( XXXX. and others ) which are fraudulent as well. The only authorized charges were from the XXXX store and XXXX atm withdrawal - the rest were not authorized.
Amerihome Mortgage. This is a follow up to complaint # XXXX. I will be submitting a letter I received today with the following. After CFPB contacted Amerihome they finally agreed that I did possess a 100 % tax exemption for my property located at XXXX XXXX XXXX, XXXX SC. , XXXX because I am a XXXX % service connected XXXX veteran. The letter states an escrow analysis was completed and I would be receiving a check from escrow overage in the amount of {$3100.00}. I saw the check in my Amerihome online account made out on XX/XX/2018. I called them today as I had not received the check. I spoke to two employees that had no idea what they were talking about, one of  them going so far as to that I would only receive about {$2000.00} because I owed back HOA fees, ridiculous because my HOA fees have never been escrowed are are paid monthly through a XXXX bank credit card. The supervisor, XXXX, who refused to provide his last name or employee ID said the {$3100.00} had been deposited back into my escrow account and a separate analysis said the refund was less over a {$1000.00} because I had to keep a padding in my escrow account of 2-3 months. My insurance is {$27.00} per months and even after the {$3100.00} check is cut there is still a couple hundred in escrow for insurance. Again, this company is taking advantage of XXXX American veterans and more than likely anyone that does business with them. Please, I am asking you to take action against these crooks, their entire staff is incompetent and knowledge of their product and the laws about servicing them is nile. These people are crooks and a federal investigation of their practices should immediately be launched. I finally spoke to XXXX XXXX who signed the scanned letter and she also was unable to provide an explanation. Unbelievable a company sends a letter of resolve and then changes their mind.