23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on a HELOC with Santander last fall. It was a 30 year loan with a 20 year draw period and a ten year repayment period. I signed up for interest only payments for the draw period, with an eye towards locking the interest rate at some point. 

On XX/XX/XXXX, I called Santander to lock the interest rate on my HELOC. I spoke with a consumer lending supervisor out of Pennsylvania by the name of XXXX XXXX. 
XXXX explained to me that my interest rate would go up from 5.75 % to 5.94 %. I specifically asked him what my new payment would be and he estimated it at {$500.00} for 15 years. I asked him what the interest rate would be after that period. He said he was not sure and that we would cross that bridge down the road. 

Flash forward to XX/XX/XXXX. I am online looking at my accounts for another reason and I see that my next monthly payment has more than doubled. My payment in XX/XX/XXXX was {$460.00} and my payment for XX/XX/XXXXis {$1100.00}. 

I am surprised and call Santander to find out what happened. It is explained to me then that when the interest rate was locked, this automatically restructured the loan as a 15 year fixed interest rate loan. XXXX XXXX never explained this to me and, in fact, was seemingly unaware of this ( to think he knowingly misled me is ghastly to consider ). Recorded phone conversations will confirm my account. I also never received documents to sign or any correspondence from Santander regarding the rate lock and the terms. 

Conversations with Santander agents were less than helpful. I was told that research could take 5 business days or more and the resolution time beyond that varies. 
On XX/XX/XXXX, when I mentioned to a supervisor named XXXX that I would be submitting a CFPB complaint, I finally made some progress. XXXX called me back and told me she could reverse the rate lock on her screen ( why didn't the several other supervisors and agents that I spoke with realize this? ). XXXX told me that my terms would return to what they were before the rate lock ( which would be interest only payments during the draw period ). The caveat, she explained, was that my XX/XX/XXXX payment would still be {$1100.00}, which is significantly higher than the {$460.00} payments ( there and about ) I am used to. 

Given that the mistake was egregious ( a supervisor either willingly misled me or was grossly negligent in how he handled the rate lock conversation and, then, request ), I do not believe that I should be forced to make the {$110000.00} payment. I would like to have my XX/XX/XXXXpayment recalculated to be an interest only payment based on the original loan terms.
Product: Credit card or prepaid card

I have an existing Chase credit card that has accrued XXXX of their credit card reward points ( Chase Ultimate Rewards ). I intend to close this credit card account in the coming weeks but would like to transfer my existing points to my wife 's Chase account. My wife has an active and separate Chase credit card account and existing Ultimate Rewards account. Chase 's website and literature advertise that transferring points to another member of one 's household is allowed and considered a benefit of the card. 
On XX/XX/21 I attempted to make the transfer of points to my wife via Chase 's website. After visiting the " Combine Points '' website, Chase has removed the option to add a member of your household ( see attached screenshots of what is visible on their website now, compared to what used to be there ). 
On XX/XX/21 I called Chase 's customer service line to escalate the issue. The representative on the phone was unable to transfer the points, could not provide an explanation for why they couldn't be moved, and then said that he would escalate the problem and that someone at Chase would follow up with me. I have not received any further communication from Chase since then.
Product: Debt collection

I have disputed a debt from National Credit Systems and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid. 

This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from the following inquiries. Block and remove them. 
XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX
Product: Checking or savings account

I opened a business account at Citibank on XX/XX/XXXXXXXX  at the branch, filling out all the forms that were provided to me. XX/XX/XXXX I received an email message to contact the bank, which I did. I was directed to the Citibank XXXX division which told me that my paperwork was not complete. I was directed to complete a business ownership form which I did and faxed into Citibank ( I have a receipt that the fax went through ). XXXX  month later I attempted to deposit some checks into my account by my mobile phone which was unsuccessful. I went to deposit them at ATM machines and that was also unsuccessful. After inquiring at the branch I was told that my account had been frozen from about XXXX  and that XXXX  checks had bounced and XXXX  EFT payment refused to a credit card. At the branch, they inquired further and found that I needed to have the business ownership form completed which we did through the branch. It was the identical form that I had completed and faxed in. The account was unfrozen a few hours later. At no time did I receive any notification by text, email or snail mail that the account was frozen and it was only on XX/XX/XXXX in a letter dated XXXX  that I received notification that the autopay for the credit card was canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has allowed an unauthorized inquiry to be placed on my credit report and I 've disputed it twice, with no assistance. On XX/XX/XXXX and XX/XX/XXXX, I disputed an unauthorized inquiry from a company called XXXX XXXX XXXX. It 's a company I have no knowledge of. My disputes were received in letter form.
Product: Debt collection

/-/-/-/-/-/- The original creditor is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX The original transaction occurred on XX/XX/XXXX XXXX 
The quoted amount and payment arrangement differ from the actual bills from the following 12 months. I was billed a much higher amount, under a term neither disclosed to nor acknowledged by me. 
I cant not tell the exact total amount, as that figure was not reflected on multiple incoherent invoices. I was led to believe at the time of service, that my remaining balance is {$0.00}, after my initial co-payment and on-going insurance payment. 

I hired XXXX XXXX on XXXX to assist me in resolving the billing discrepancy. XXXX XXXX XXXX XXXX XXXX XXXX was not responsive in the following attempts to communicate. I was told by XXXX XXXX that after initial contact, none of the following XXXX phone calls over a period of 3 months were returned. 

On XX/XX/XXXX, I sent a letter to company XXXX XXXX XXXX along with a check for insurance payment I received up to that point. In the letter, I requested a copy of the sales agreement I agreed to prior to receiving the equipment, along with any advanced notices and consent forms I am required to sign, per state and federal laws. 

The check was cashed 6 days later, but the information requested in the letter was never provided. 

/-/-/-/-/-/- The debt collector is : SIMM Associates , Inc . 
XXXX XXXX XXXX XXXX, DE XXXX Amounts claimed by SIMM is {$600.00}. 
On XXXX, I requested debt validation. The collector did not provide a response is 30 days as required by the Fair Debt Collection Practices Act. 

I requested the following information from the collector : 1. Your credential, license numbers and Registered Agent that entitle you to engage in debt collection activities in the State of California and the XXXXXXXX XXXX XXXXXXXX. 
2. Proof of any assignment or transfer of the alleged debt, including a copy of the assignment agreement.

3. The name, address and contact information of the original creditor.

4. The correct original account number.

5. The date ( s ) the alleged debt was incurred.

6. Any sales agreement ( s ), payment agreement, payment already made, complete and itemized bill associated with the debt that I agreed to.

7. Proof of my receipt and acknowledgement of any advanced notices, consent forms mandated by federal and state laws relating to the specific product and services provided.

8. The amount claimed, including any fees or interest charges.

9. Proof that the product and/or service has been provided according to the sales agreement above.
Product: Credit reporting

This account was closed and included in my 2009 bankruptcy. Show a XXXX balance and paid as agreed but still showing open with Transunion. I need this account to be fixed as closed. This is hurting my ratio of expensive with an extra balance who is incorrect.
Product: Debt collection

On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX, I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with ARS NATIONAL SERVICES INC.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Venmo permanently deactivated my account stating there were several concerns with my account and refused to address them or even tell me what the issues were. Ive been trying multiple times to reach out via online chat and email to find out and fix the problem but they will not cooperate. Today XX/XX/XXXX I received an email stating : After reviewing your account, we have determined that it is not eligible for reactivation due to several concerns regarding your activity. We informed you about this decision on XX/XX/XXXX. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 

Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 


So now I would like to file an official complaint against them.
Product: Bank account or service

I requested that my checking and savings account with SunTrust Bank to be closed more than six months ago. The checking account was closed but for some reason the savings account was not closed. Now some charge has been applied to this account, please note there were no auto drafts set up on this savings account and the account should have been closed, and now they are adding an over draft fee. I have made several attempts to resolve this with SunTrust Bank customer service but they have been no help. I believe this is exactly the type of customer abuse the CFPB was setup to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes letters to all 3 bureaus XXXX, XXXX  and Equifax about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I received notice that my credit score had decreased. I investigated and found out that the company I was leasing my car from had sent a final bill to an address that I hadn't lived at in a decade. Because of that, the bill was not paid and was sent to collections. 

Upon learning that this happened, I called the company and paid the outstanding fee immediately. However, the damage had been done and my credit score dropped XXXX XXXX. 

In the 18 months since that has happened, this mark is still not off my credit report and is now causing me to have to pay a high fee for my next car because I am being approved at tier 2, not tier 1. 

I have not missed a payment on anything else and my credit report will show that. I immediately paid the fee upon learning of it, and yet my credit score has only minimally rebounded. 

This is causing me money, this is causing me stress, and this is something that should have been resolved 18 months ago when the fee was paid. 

I am livid that this hasn't been resolved yet and I will fight tooth and nail until it is. 

My credit history is spotless outside of this one instance, which again, was initiated by the car company sending a bill to an address I hadn't lived at in 10 years, and will continue to be so. 

I have filed claims with my credit reporting company, with the car company, with CFPB, and left reviews on XXXX  I am looking for a resolution to this punitive experience and will not stop until I find it.
Product: Checking or savings account

I'm receiving emails from chase.com of JPMorgan Chase & Co., I never confirmed or verified that email with Chase.com, there is a serious security risk of phishing and chase.com don't even have an email or form to contact, only phone, I'm not even on US.

I receive plenty of personal mails for an account like this : " We posted a new notice for your account Here 's what it's about An Insufficient Funds Notice posted for your account ending in ( XXXX  XXXX ) We encourage you to read the entire notice because it contains specific information about your account. '' First email was on XXXX, and there are like XXXX more. 

Contacted over XXXX  weeks ago, no resolution until now.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Dispute - XXXX - XXXX To Whom it may concern, I am reaching out to express my profound dissatisfaction and concern regarding the handling of the reporting of the account XXXX  - XXXX on my credit report. It has come to my attention that there are multiple clear breaches of the Fair Credit Reporting Act ( FCRA ) associated with this account, and I am requesting immediate action to address this issue. 

I am formally demanding a comprehensive debt validation, which necessitates the provision of the following details : Original Contract : Furnish a complete copy of the original contract between the purported creditor and myself pertaining to the account XXXX - XXXX. 
Original Creditor : Clearly disclose the name and contact information of the original creditor linked to this account. 
Original Open Date : Specify the precise date on which the account XXXX - XXXX was initially established. 
Date of Last Payment : Provide the exact date of the last payment made in connection with this account. 
Date Account Was Closed : Indicate the date on which the account XXXX - XXXX was formally closed. 
I am fully aware of my rights under the FCRA, and it is evident that there has been a failure on the part of Experian to fulfill its obligations in ensuring the accuracy and validity of the information it reports. I am insisting on a swift response and resolution to this matter. 

Failure to adhere to this request within [ 15 days ] from the date of this correspondence will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. Please consider this as a formal notice of my intention to take such action. 

I anticipate a timely response, along with the requested documentation, to be transmitted through the CFPB portal. Additionally, I request that any corrections made to my credit report are promptly reflected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around mid XXXX, there was an attempt by a XXXX XXXX, who does not share my same social security or was attempting fraud under my name, to take out a loan for a car. XXXX, XXXX XXXX, and XXXX  said they attempted to XXXX me a loan. There were hard inquiries in XXXX on all XXXX credit reporting agencies and there should not be any.
Product: Credit card or prepaid card

the balance in full of {$230.00} on  XXXX / XXXX /   17  and the company states they have a hold on the account because the funds have not cleared. However the funds cleared my account on  XXXX / XXXX / 17 . Still it is now  XXXX / XXXX /   17  and they still have a hold on my account stating it still has not cleared.
Product: Debt collection

I am being sued in two different cases in XXXX court in XXXX XXXX, Ohio by LVNV Funding. One account is for {$1400.00} and the other is for {$790.00}. Both accounts are the result of identity theft, of which I am the victim. LVNV Funding and their attorneys are basically dragging their feet on providing me any kind of documentation that Ive requested including an affidavit of fraud. Neither LVNV Funding nor their attorneys, XXXX and XXXX have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They wont cooperate in any attempts to prove this debt is invalid and fraudulent. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. I believe they know full good and well that these two accounts are fraudulent. They do not care about the truth. They only care about winning no matter what the truth is.
Product: Credit reporting or other personal consumer reports

I am a victim XXXX XXXXXXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



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