23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally lodge a complaint regarding the handling of my Citibank credit card account, which was closed in XX/XX/year>. The sequence of events that transpired has led to a significant negative impact on my credit score and overall financial well-being, and I believe this situation reflects a failure on Citibanks part to provide adequate service and communication. 

In XX/XX/year>, I received a notification via mail from Citibank stating that my credit card account had been closed. Subsequently, my access to view the credit card information through online banking was removed, leaving me with only a message indicating that the credit card was closed. Despite this, Citibank failed to send me any statements or remaining balance reminders since XXXX, leaving me unaware of any outstanding amounts that needed to be settled. 

As a result of this lack of communication, I was shocked to find that my XXXX credit score decreased by XXXX points XXXX months later. Upon reviewing my credit report, I discovered that Citibank had reported my credit card account as delinquent. This was done without any notice to me, the cardholder, for a period of XXXX months. The credit report also indicates that the account was closed in XX/XX/year>, further compounding the confusion and frustration. 

I am deeply concerned by Citibank 's handling of this situation. The lack of notification regarding the remaining balance and the subsequent reporting of the account as delinquent have caused considerable damage to my credit score. This incident has not only harmed my financial standing but also undermined my trust in Citibank 's ability to manage customer accounts responsibly. 

I request the following actions to rectify this situation : 1.Immediate correction of the erroneous delinquency report on my credit report.

2.Written confirmation of the steps taken to amend my credit report.

3.A detailed explanation as to why the account was reported as delinquent without proper notice. 
4.Assurance that all future communications regarding account closures and balances will be handled with due diligence to prevent similar issues. 

I trust that Citibank will take swift and appropriate action to resolve this matter. I expect a response to this complaint within 14 days from the date of this letter. Failure to address this issue satisfactorily may compel me to escalate the matter to the relevant financial regulatory authorities. 

Thank you for your prompt attention to this serious matter.
Product: Debt collection

I became aware of a six year old or so debt by credit reporting agency. I dont believe I owed any money. I contacted collection agency on Monday to obtain detail information and to resolve the matter. I requested they send me information on the debt, where were the services rendered, by whom, amount owed, date of service and if processed by insurance. Collector said they had it on there screen and would not send me the information but gave me a phone number for the healthcare provider. Collector said I had to pay balance in full to have it removed from my credit. Per FDCPA rules they are obligated to verify the debt, this collector refused to do so. I have a right to know. 

Ive reached out to multiple providers in an effort to get details and have been unsuccessful. To date the collector refused to prove me with any details regarding this alleged debt, if they represent the original creditor or not, nor has any other provider been able to provide me any details associated with this alleged debt. Ive been given the run around ona debt I dont believe is even collectible 6years later.
Product: Checking or savings account

I have not received the new account sign up bonus of {$500.00} which I was promised would be deposited into my account within 30 days of meeting all qualifications. That 30 days is over and I still have not received the bonus. So request you to give me the bonus. The offer code I used while opening this account is XXXX. 

I contacted customer service twice. First time they said I had to wait 45 days instead of 30 days to get the bonus which is not true because the offer code emailed to be my the bank clearly says 30 days ( email attached ). Second time the customer service said the offer code is not attached to my account which is also not true because the application printout given to me by the banker at the time of opening the account shows the offer code attached ( printout attached ). Basically with Wells Fargo I am getting a different answer from different agents who are clearly clueless.
Product: Credit card or prepaid card

XXXX XXXX aka : WSFS XXXX has opened a credit card account under my name without my consent. I reached out to them to resolve this matter however, they refuse to remove this account, and tell me how this credit card account was opened under my name or even disclosed their location. Please investigate this company and find out why they are opening accounts without the consumer 's consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have become aware that the company LexisNexis has violated the Fair Credit Reporting Act by accessing and selling my consumer report to other consumer reporting agencies without my permission. As a Consumer in Fact, I have the right to privacy pursuant to Title 15 USC 1681 ( a ) ( 4 ) and did not give LexisNexis authority to have my personal information in their database or to sell my information to other consumer reporting agencies which is an infringement upon my rights as a natural person per Title 15 Per USC 1681b ( a ) ( 2 ). 
I have forwarded to LexisNexis an affidavit and invoice specifying my requests and have not heard from them as of yet.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX I made the decision to close this credit card after numerous issues with XXXX XXXX issued by XXXX XXXX XXXX. I contacted them via phone to initiate the account closure and at about the same time revoked account access to my checking account with XXXX via a XXXX XXXX XXXX  called XXXX. This app enables a company to see an account holders balance and transaction history within my personal checking account. The day of that call and prior to closing the account I used the lenders app to initiate the payment of the majority of the balance due them. 

Within days of closing the account I no longer had access to the XXXX XXXX XXXX  or website for current account balance and to make debit payments from my XXXX XXXX account as payment to XXXX XXXX This lender also does not accept payments pushed from my bank to them via XXXX. I should also mention that auto pay was set up on this XXXX account to ensure that a payment due was never missed. 

Based on my experience, conversation with XXXX bank and my numerous attempts to get answers from XXXX, it appears that when I revoked permissions via XXXX this lender automatically stopped sending XXXX debits to XXXX for payments whether payments I requested or auto payments. They simply stopped and as a result have reported my account as delinquent, charged erroneous finance charges, refused to resolve the issues and made numerous claims that my bank reversed payments when in fact they reversed the payments and never submitted them into the XXXX clearinghouse. 

I was able to pay them {$320.00} via check on XX/XX/XXXX check number XXXX. They did successfully apply that payment to my account but now insist that i still have a balance for finance charges. They have also reported the account as 60 days late to the credit bureaus.
Product: Checking or savings account

Grid card has money of mine frozen since the Synapse bankruptcy, they refuse to provide any information as to when I can get my {$160.00} that is locked in their account, they refuse to provide any updates or help and keep saying to contact synapse who also provides no information, this has been ongoing since XX/XX/scrub>XXXX XXXX XXXX
Product: Checking or savings account

PayPal limited my account without prior notice and held my money for 180 days to cover any disputes. Their customer service always promised that they will release my funds after 180 days. I logged in to my account after the 180 days passed to discover that PayPal stole my money and transferred all my balance to themselves under the false claim of nonexistent damages. There was no damage to PayPal and I believe their claims are false. All disputes related to my account was settled. PayPal acted in bad faith and debited random arbitrary amounts to empty my balance to XXXX enriching themselves from my hard earned money. PayPal transferred my whole balance ( {$9000.00} USD ) and took my hard earned money under the Transaction ID : XXXX. ( please find attached the screenshot of the transaction ) Under the common law, liquidated damages may not be set so high that they are penalty clauses rather than fair compensation. I believe PayPal acted in bad faith as a payment company, they have failed to offer the promised service. I believe that I was deceived and scammed by PayPal and I want to complain about this corrupt acts done by the payment company PayPal. I have tried to resolve this issue friendly with them many times but they always reply with canned and useless responses done by bots. PayPal failed to provide the advertised payment service. Looking forward for your reply. Thank you
Product: Debt collection

In late XXXX or early XXXX a XXXX representative allowed a scammer into my account. The result of the scammer gaining access to my XXXX account was my phone number being stolen and from their access to my email was gained, then access to my bank account ( XXXX ), then access to my crypto currency account where over {$300.00} of bitcoin was taken. XXXX fix to my bitcoin being stolen, without the possibility of recovery, was to credit my account with a {$300.00} credit against my wishes. While still having around {$100.00} of credit on my account when I switched back to XXXX XXXX, I closed my XXXX account and transferred my phone number to XXXX. Upon doing this, I verified with XXXX that I still had a {$100.00} of credit on my account that I would not be able to recover, along with verifying my phone number was transferred. Around XXXX or 5 months later, I received a bill for {$78.00}. I called XXXX and was transferred through multiple departments and representatives to figure out what the {$78.00} charge was. No one could give me an answer even though I received multiple bills about every XXXX or 3 months or so. I called back everytime I received a bill in the mail and nobody could gain access to my account even though I gave them every verbal password I would have used and nobody could give me an answer about what the {$78.00} bill was for. Once they sent the amount to collection, they were also unable to tell me what this bill amount was being billed for. If they were sending out a bill, they should have been able to tell me and explain to me what it was for. I do not have a copy of the bill, nor the collection notice as I did not know this was an option.
Product: Debt collection

XXXX XXXX the manager at regional fininance on nacogdoches was very aggressive over the phone and when I explained I would not be able to pay and to only communicate with me in writing I said he will continue to call and did n't care if reported his behaviorAt this point he is violating the fair debt act by calling after my requests to only be contacted by writing
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

account has been closed and no amount is due, it is over 7 years, contacted the company my self and no help was received I was told I have to just let item fall off and they would not give me any further assistance on how to remove item from my credit
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft due to the XXXX data breach, and I've discovered unauthorized or misleading items, linked to my profile. 
XXXX XXXX Balance {$XXXX  XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX Balance {$XXXX} XXXX XXXX XXXX Balance - XXXX XXXX  XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$XXXX} XXXX XXXX Balance {$XXXX} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX SERVICE XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FINANCIAL XX/XX/XXXX
Product: Mortgage

See Prior CFPB Case # XXXX SETERUS - Fraudulent and bad faith lending practices. Fraudulent foreclosure. Misrepresentations in lending. 
In XXXX, my mother passed away and I inherited her condominium located at XXXX XXXX XXXX XXXX, XXXX, California XXXX. As the estate was finalizing, the Lender was transferred from XXXX to XXXX ( see prior complaint against XXXX ). After multiple 'lies '' by XXXX and bad faith, XXXX then transferred the Loan to Seterus in XXXX which required me to start the process over of assuming a loan. Seterus, throughout the process, has misled me, committed fraud, backdated letters sent to me, indicated they sent letters which were never sent and are attempting to 'steal ' a property and I am doing everything possible to assume. They have set a foreclosure date of XXXX XXXX, XXXX so that matter is urgent! I am providing extensive documentation of my communication with XXXX and Seterus and their bad faith and fraudulent lending practices. Where is process now? After being told by Seterus on multiple occasions that a Loan Assumption Packet was complete ( originally completed XXXX XXXX, XXXX ), Seterus is now requiring a new packet. I received XXXX letters from Seterus this past weekend XXXX XXXX XXXX, XXXX ) which indicated the loan was " in process ''. I had spoken with XXXX XXXX of Seterus on XXXX XXXX, XXXX who indicated my Assumption packet was complete with the exception of a utility bill and an address. I immediately faxed the requested information ( attached ). Thankfully, I phoned Seterus today ( XXXX XXXX, XXXX ). I spoke with XXXX XXXX who informed me that XXXX XXXX was incorrect and an entirely NEW Loan Assumption packet was needed. This was the first time I was informed as such. It is clear that Seterus and committing fraud and bad faith and attempting to steal my property. At all times, I 've tried to pay the mortgage and assume the loan, but Seterus continues to misrepresent the status of my assumption packet in an effort to sell my property. This is my home and I want to keep this property. Please read prior Case # XXXX. 
I have now initiated at least 8 phone calls with Seterus and am basically lied to or mislead in every call. As an attorney myself, I 've never encountered such fraud and bad faith. Please help. I 've done everything I can to assume this loan and the predatory lending practices by Seterus will not stop.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Checking or savings account

I made XXXX deposits of XXXX that they said they recieved in night deposits box that are over 90 days old and are not getting my money into my account as they changed night deposits policy. It is complete theft as I included my deposit slip and name and phone number with my deposits. I have been making deposits there for 32 years now it has been a month trying to get my money in my account they have taken and used! Numerous stops and calls but am told executive approval needed and is NOT GETTING DONE! XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint Against Experian Regarding Inaccuracies In My Personal Information As Reported In My Credit Report. 


Details Of The Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX, but my credit report shows an outdated address as : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my current address be updated accordingly. 


XXXX. Employer : My current employer is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX. I request that employer be updated to reflect the correct information. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Credit reporting or other personal consumer reports

Capital One is reporting late payments on two of my credit cards, cards ending in XXXX and XXXX. 

15 U.S.C. 1666b is part of the Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit card

I received a letter from Synchrony Bank on XX/XX/year> stating they were changing the terms of my card. 

These terms Include new and changed items such as a promotional fee, returned payment fee, paper statement fee, and changes to calculating interest. 

The promotional fee lists two deadlines and is not clear when this goes into effect.

One deadline is XX/XX/year>, the other is XX/XX/year>. The XXXX date was long before I was ever even notified about any changes to terms or agreements. 

The balance I have with this account was advertised as promotional and with ZERO Fees or Interest, so long as payments are made regularly and on time. All payments have been made meeting that criteria. 

They are now trying to strong-arm consumers into paying ADDITIONAL and UNAGREED UPON fees. This is at minimum unethical and shady, and more likely illegal and the company should retract all these changes immediately. This will have an effect on small businesses and individuals. I am filing complaints with multiple agencies and will consider consulting a lawyer. 

I REFUSE all of these changes, including any pause, cancellation, or stoppage of my account and access to it. 

The original agreement that was made when I signed up to the account and made the promotional purchase is all I have agreed to and will not agree to any further changes that incur additional fees or costs. 

I Refuse and deny their Promotional Fees, Their Paper Statement Fees, and the changes to interest calculation on these so called fees. 

They are also trying to charge interest on top/in addition to these new fees, thus increasing the amount they will collect more so than just the direct fee itself. 

This is extremely unethical and shady, anti-consumer, and potentially illegal.
Product: Consumer Loan

I was approved for a Title Loan from XXXX XXXX, Part of deal was to pay off old debt with Mariner Finance. I am XXXX and on ly receive XXXX, So I am judgement proof. SO after Mariner receive. The create a second loan for {$250.00} stating my original was paid in less then in full. and do a charge off and report on my credit report as bad debt reported for collections. Mariner is a Predatory Finance COMPANY. i WOULD urge OTHERS TO STAY AWAY FROM them. Originally WHEN THEY BOUGHT OUT XXXX XXXX OF XXXX, XXXX. I WOULD N'T PUT UP WITH THERE HARASSMENT, SO I DISCONNECTED MY NUMBER. THE WENT IN TO MY ORIGINAL HARD COPY PAPERWORK KEPT IN THE BACK ROOM TO FIND MY REFERENCES. SOME MALE COLLECTOR FROM OUT OF TOWN. CALLED EX POLICE XXXX XXXX. WHO HAPPENS TO BE A NEIGHBOR. HE STATED TO HIM BACK IN XXXX OF XXXX. THAT HE WAS A RECRUITER FOR THEM AND I FILLED OUT A JOB APPLICATION. HE COULD N'T REACH ME AND WAS HOPING XXXX HAD MY NEW NUMBER. 

WHEN I MENTIONED THIS XXXX FROM MARINER WHEN MAKING THIS DEAL. THEY WANTED TO I GUESS PUNISH FURTHER. WHAT XXXX ARE THESE PEOPLE. 


Bad Debt ; Placed for collection ; ( XXXX ) - MARINER FINANCE , LLC XXXX XXXX, XXXX MARINER FINANCE , LLC has flagged your account as Bad Debt ; Placed for collection ; ( XXXX ). 
Alert Type : Potentially Negative Found On : XXXX XXXX, XXXX Potentially Negative Alerts notify you when one of your accounts has reported information that may negatively impact your credit score. 
Additional Info Please review the details of the alert for information that may indicate identity theft. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. 
Alert DateXXXX XXXX, XXXX SourceXXXX CompanyMARINER FINANCE, LLC Payment StatusBad Debt ; Placed for collection ; ( XXXX ) Status DateXXXX XXXX, XXXX Balance {$0.00} Balance DateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX If you feel you are a victim of identity theft, please contact a XXXX Specialist at XXXX.