23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX overcharged my account which has since been closed in the estimated amount of {$250.00}, so I called my bank to dispute the overages and they stopped the withdrawal. I closed my account confirming a zero balance with XXXX on or about XXXX. XXXX then came back and claimed I owed them {$110.00} which has escalated in owing $ XXXX to date and continues to show up on my credit report over and over after my disputes pulling down my scores. I can provide the names of each debt collector if necessary ; however, my main concern is to stop the initial false accusation of debt by XXXX. I tried and failed to resolve this problem with XXXX spent countless hours on hold and being hung up on only to call back and request to speak to supervisors and was transferred to a Texas customer service office vice a supervisor after holding an additional 30 minutes. XXXX has pulled this tactic with others with whom I have talked to as a way to extort monies when one closes an account with them. As someone who is working very hard to improve my credit I am outraged by corporate tactics to BULLY consumers into paying monies they do not owe and wish to exhaust every means possible to ensure they do not succeed in extorting me any further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX a Conditional Acceptance For Value letter on XX/XX/21 they received it priority express by XX/XX/21. per the notarized letter they were to respond via affidavit within 3 days plus 2 days grace, it has been 8 days, they have defaulted with no update or correction to my consumer report. As a consumer the alleged debt should have been removed entirely during the process of validation pursuant to 15 U.S. Code 1681i - ( a ) ( 1a ) Procedure in case of disputed accuracy. They did not validate the debt within given time frame nor update that it was in dispute. The investigation has concluded please delete this erroneous account from my report immediately.
Product: Credit reporting or other personal consumer reports

There are unrecognized accounts on my credit report that dont belong to me. I suspect they may be linked to identity theft or fraud.
Product: Money transfer, virtual currency, or money service

Two months ago, Venmo took money, overdrafting me, from my bank when I had a balance ( at least 2x ). 

I thought it was my fault until a later phone call disclosed venmo update changed settings and authorizations. 

I notified my credit union, who did nothing, and tickets still shows under review. 2x Early XXXX, it happened again this time to my XXXX  account 3x. This is when I contacted venmo and was guided to a hidden setting under businesses, that authorized payments to specific vendors ( XXXX ) to bypass user authorized app settings for payments. No compensation, was told you had access to the setting thanks for calling, glad we could assist you today, is there anything else? 

Just got notification of 3x more, overdrafting my XXXX account for at least 3x more as they separate the payments from the tips so a {$10.00} purchase just cost {$100.00}. 

I have disabled the venmo, but would like restitution as I'm on a fixed income and this is egregious.
Product: Money transfer, virtual currency, or money service

I called synchrony bank about 2 months ago due to I had gotten an alert that something had changed on my credit report. When I logged into it I had seen an account was added that was from syncb/ppc open XX/XX/XXXX of XXXX with a credit limit of {$680.00} and the account is current and still open. I asked to to close this and remove it from my credit report as this was fraud and they stated at that time they would. I then got a letter in the mail on XX/XX/XXXX from synchrony stating they were denying my claim that it was fraud. I called them back on the XXXX of XXXX to have this reported as fraud again and the lady on the phone said she would have the case reopend and make sure the account was closed. the account is still not closed at this time as of XX/XX/XXXX and still on my credit report I would like this taken care of please
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a letter from XXXX stating that the Biden Administration paid off my stiudent loan in full. I decided to check my credit report 30 days later on XX/XX/XXXXXXXX  with XXXX. The balance of {$36000.00} had not changed. I filed a dispute on XX/XX/XXXX, but when investigated, nothing changed. I then tried to see if my Equifax or XXXX account balances had changed- they did not. I filed a dispute with Equifax on XX/XX/XXXX, the report came back with the baance not changed. I filed another dispute on XX/XX/XXXX, but still nothing had changed. Keep in mind, I attached the PAID IN FULL letter from XXXX each time. On XX/XX/XXXX, I filed a dispute with XXXX, but the results of the investigation were the same - no change in the balance. I am at the END of my rope. What can a consumer do when credit bureaus refuse to update? I have also contacted XXXX by phone on XX/XX/XXXX, XXXX and XX/XX/XXXX -- and they claim they are sending the updated information to the bureaus.
Product: Consumer Loan

since XX/XX/XXXX i have submitted a higher monthly payment that my monthly payment due and requested that the difference be applied to the full principle amount that would leave me with an even amount due the loan company continues to apply interest dispite my requests. i have spoken to XXXX quote un-quote mangers who stated that would remove the interest amount.
Product: Mortgage

I am having serious issues surrounding my rights after the death of a borrower with my fathers reverse mortgage The property has a reverse mortgage. The mortgage has sold/be assigned multiple times since XXXX. I XXXX XXXX am the trustee, estate representative. 

XX/XX/XXXX I notified Finance of America Reverse of my dads passing. I was informed of the death of a borrower process. I was informed I was allowed up to 12 months to satisfy debt and the extension process was explained. I have a buyer. 

The property is currently under water damage claim/repair that affected half of the 1st floor kitchen and the 2nd bathroom plumbing. This process is being monitored by the reverse mortgage servicer. The foreclosure never should have started but at this point all I was trying to do was get an extension until the monitored repairs are complete and the sale can continue with an appropriate appraisal. 

In XX/XX/XXXX I started getting Foreclosure letters from XXXX XXXX, NO COMMUNICATION from my servicer/lender. 

***I spoke with XXXX XXXX XXXX XXXX XXXX as advised by Finance of America to get assistance. The firm representing the reverse mortgage lender asked me when the last time I made a mortgage payment was? I asked if the lender or HUD was given my death of borrower extension requests, he responded by telling me there is no extension process. ***
Product: Credit card or prepaid card

I 've had a 7 year relationship with Discover. I set auto-pay to ensure i am up to date on my payments to ensure I 'm continually in good standing. The three months my card was at or close to my limit and minimum payments paid, Discover reported me to the credit bureau as being over my credit limit. This has adversely affected my credit score. I do n't understand why this is when I authorized auto pay. This does not occur with any other credit card companies with whom I relations. Discover 's customer service can not give me a solution for this problem and they refuse to correct this problem with the credit reporting firms. They never contacted me to allow me to bring account bring my account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent XXXX  and Convergent Outsourcing ( original creditor XXXX XXXX  account # XXXX ) a followup letter regarding an alleged debt collection on my credit report by the company " Convergent Outsourcing ''. XXXX  has responded to my verification letters sent on the the aforementioned dates above. XXXX  has sent me a letter dated XXXX stating that the collection account has been DELETED but the account still remains on my credit profile. The account numbers shown on the letter sent from XXXX  are different from the account number shown on my actual credit profile. It has now been over 30 days since the original dispute on XX/XX/XXXX. They are in violation of my rights under the " Fair Credit Act '', for not removing inaccurate information off my account of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both XXXX  and the creditor, Convergent Outsourcing, for their failure to remove the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my XXXX  credit report.
Product: Debt collection

This company was told to stop contacting me for at least 3 weeks. The representative gave me two names. He goes by the name XXXX XXXX. Telling me not to run away from the debt. I ask them repeatedly not to contact me. The companys phone number is Alliance Interstate LLC. The phone number to this business is XXXX.
Product: Credit reporting or other personal consumer reports

under 15 usc 1666b these accounts listed in attached documents is a billing error. please UPDATE ALL LATE PAYMENTS ON ALL ACCOUNTS TO PAID AS AGREE OR ON TIME. THANK YOU
Product: Debt collection

XXXX 2017 - this company called saying they were collecting a debt which i didnt remember - her name was XXXX XXXX - she called form XXXX - I gave her my bank info and we agreed on XXXX a month which she has been taking for a year now..every month - i attempted to call her back to see how much was left on this bill but the number isnt in service. and I can find no info online as to how to contact them. They have taken XXXX from my acct over the last year ad now i feel really dumb..The company name is D2 management..Please help me ...
Product: Student loan

When I first applied for consolidation I considered Income Driven Repayment, however, I already pay a large amount of private loans monthly, and once I got my log in to nelnet, I applied for standard payments as they were lower and their offer for XXXX plus my private loans totaled XXXX a month. It adjusted my payment to about XXXX a month. I log in now, and I see two XXXX loans I dont recognize and are nowhere to be found on XXXX  gov. And my payments went back onto XXXX  and now being close to XXXX a month. Then I go back to reapply online for standard and now the monthly payments offered are close to XXXX a month. Nobody picks up the phone for HOURS over DAYS of calling and when I finally get a response Im told I need to be transferred and the call is disconnected again. Why are my payment amounts changing? What are these XXXX dollar loans I dont see on studentaid.gov??
Product: Credit card

I filed a complaint against a merchant with Citi pursuiant to the card contract XXXX and XXXX policy. Merchant was XXXX XXXX XXXX XXXX, XXXX de XXXX. de XXXX who refused to accept a foreign card in violation of XXXX policy and Local consumer protection law. 

Citi instead of filing a complaint against that merchant, filed XXXX ( XXXX ) DISPUTES against a different merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Citi was contacted XXXX separate times to try to resolve this issue, remove the disputes, and has not done so. 

A complaint has now been filed directly with XXXX, XXXX XXXX XXXX, XXXX, MO XXXX Citi has not done what is required of them per XXXX Rules nor what it is legally required to do under Card Holder Agreements. 

Original letter to Citi attached. ( private info redacted )
Product: Debt collection

I have three ( 3 ) PLUS loans with a standard repayment term of ten ( 10 ) years. They were issued by the Dept. of Education in. The loans were later transferred to SallieMae in the year XXXX under the terms of the original promissory note. I then received a letter in XXXX from SallieMae and Navient stating they were now servicing the loan on behalf of the Dept. of Education. The letter stated there will be no changes to the terms, conditions and benefits of the existing loans.

I moved around a couple of times, retired, and I called Navient to discuss how I could repay my loans and get back on good repayment terms. The customer service representative ( csr ) recommended a forbearance or deferment period of one year. I agreed and understood my payments would resume as originally agreed upon. When I called back in a year, I was given more information about the forbearances and I eventually agreed to defer payments for a total of two ( 2 ) more forbearance years. 

I was informed that my payment of {$200.00} for 240 months would stay the same. I was also informed of income related plans but when I applied for them, I was denied. The csr then informed me that if I consolidated my loans, I would then be eligible for an income contingency repayment plan. I took the advice, consolidated my loans, applied, didn't qualify, and was denied again. I am now no longer eligible for forbearances and my repayment resumed in XXXX. 

Right before repayment, I received notice stating my payment amount had increased When I further delved into my repayment terms, I realized my payments had not only increased but an additional ten ( 10 ) years were added. 

My original loan in the amount of {$24000.00} for 240 months ( $ XXXX/monthly pymt ) has been updated to a pymt of $ XXXX/mo for 20 years ( XX/XX/XXXX ) for a total payoff of {$60000.00}!! When I called to voice a complaint, I was informed : " The 10 year Standard Level plan was the original repayment plan for your individual loans. When you Consolidate the Department of Education resets the Standard Level repayment terms based on the total balance of the loans being consolidated from anywhere between 12 and 35 years. The monthly payment is higher now because you have used 36 months of Voluntary Forbearance time. If you would like to pay your loan in 120 years, you can request that we increase your monthly payment to {$360.00} to pay the loan in full ''. 

I will be in my XXXX 's by the end of those repayment terms and would have paid double the amount owed. I was never informed of these changes when I talked to the csr. I would never have agreed to a forbearance or consolidation of my loans had I been told my loan terms would change to such a marked degree. I feel I was falsely coerced into these changes and also feel preyed upon as a trusting consumer. The phone conversations I had with Navient misled me into believing my payments and terms were still the same.
Product: Credit card

I was {$100.00} shy of paying off my XXXX XXXX on the last month of promo and got charged {$2200.00} in interest. I explained to them how I thought it was taken care of because I had it on autopay and admitted it was my fault for being {$100.00} short ( I would have paid it off obviously ; it was an honest mistake ). They do not care. They all said they couldn't help me. I'm very devastated as I don't know how to pay this off now. How do you pay {$200.00} every month for 2 years and have a balance of {$100.00} go to {$2200.00} overnight. Very bad business practices.
Product: Checking or savings account

During XX/XX/XXXX, to XX/XX/XXXX, JP Morgan Chase has illegally transferred total of {$8800.00} from our Chase accounts to unknown accounts created by Chase using their XXXX fund transfer device, partially owned by JP Morgan Chase. Attached public information of Chase ownership of XXXX. We did not authorize any of these fund transfers. 

Chase has denied any responsibility for these un-authorized and illegal fund transfers from my account. 

We used Chase on -line fund transfer application XXXX to transfer funds to our employees and contractors. 

To access the Chase on-line site weused our home computer located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Security pre-cautions for our home computer : 1. Our home computer is secured in my home.

2. This computer is password protected 3. We have never saved or stored our Chase on-line log-in Passwords in home computer 4. We have never shared our Chase on-line log-in credentials with anybody else We suspect JP Morgan Chase has fabricated these un-authorized transfer of my funds from my account. 
We request help from CFPB to recover our funds from JP Morgan Chase. 

We have submitted claims with JPMorgan Chase through phone numbers provided on the following JPMorgan Chase officers contacts at our JPMorgan Chase Branch : XXXX XXXX XXXX, Vice President, Branch Manager, NMLS ID : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone Numbers XXXX, XXXX JPMorgan Chase calls almost all the time will go call centers in XXXX and XXXX, and the employees at these call centers will never give any contact identification information, and will ask for account numbers even to take phone calls. 

Chase has denied any responsibility for these un-authorized and illegal fund transfers from my account, and refused to return our funds. Our requests for written denial letters have been declined so far. 

XXXX XXXX XXXX XXXX is a United Statesbased digital payments network owned by XXXX XXXX XXXX XXXX XXXX, a private financial services company owned by the banks XXXX XXXX  XXXX, XXXX, XXXX XXXX, JPMorgan Chase, XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX. XXXX Customer service : XXXX ( XXXX ) XXXX Weekly limit : {$500.00} zellepay.com Parent : XXXX XXXX XXXX XXXX XXXX Founded : XXXX Headquarters location : XXXX, AZ Number of employees : XXXX ( est. XXXX )
Product: Credit card

I opened a new unlimited cash back credit card from Bank of America that offered 2.62 % cash back based on my preferred reward platinum honors status with the bank. The business has two accounts with Bank of America. A business checking account that qualifies for and is enrolled in preferred rewards platinum honors. The account has been enrolled in preferred rewards for several years. When logging into my account at BofA I was offered a credit card that would give me 1.5 % cash back plus an additional 75 % percent bonus for a total of 2.62 % based based on my current Bank of America platinum honors status. I noticed immediately the card wasn't receiving the bonus on any purchases since it was opened.. I spoke with customer service for both the credit card and the bank on 6 different occasions and was told various things on what needs to be done to correct it but basically said it wasn't their problem to fix. I even went into the bank on two occasions via an appointment and they called their own support and tried to correct it. The bottom line is that each representative keeps saying its a problem with a different department and or person I need to call a different number or talk to this support group which just created a circle of un-accountability ; Resulting in no one actually trying to resolve the problem to ensure I receive the promised benefits which I qualify for. In fact its disturbing how Bank of America simply passes the problem to someone else and then back again to the same support group that they sent me to the other support groups in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 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 without my written instructions.
Product: Debt collection

I dispute and demand the immediate removal of inaccurate information from my credit report. The banks confirmed a system error that failed to provide records for the reported accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX The banks are committed to removing these accounts after careful review.
Product: Debt collection

I paid I 've XXXX dollars and was told my puppy had a 99 % survival rate if I kept her there .. puppy had a turn for the worse I was never contacted when puppy passed I have called multiple time in attempt to speek to dr which I was told would be be only one to adjust fees never revived a call my puppy 's dead. It 's was held XXXX for over 30 days I was told XXXX dollars was the balance then collections is going for over XXXX XXXX the 99 % survival rate is why I kept her there I was told she should make it isf I left her ... again dr never called. It sure if any in my messages were relayed to him but I did pay I 've XXXX to this place. And the collection amount is incorrect and dr never called to discuss further amounts since the puppy did not live with his garunte of 99 % survival had I been told XXXX I would have taken her home just like I told them
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize these inquiries in letter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Experian and XXXX to remove some items off of my Credit Report. They have not provided Verifiable Proof ( an original consumer contact with my signature on it ). While some items have been removed not all, even though XXXX has removed the rest of the items.
Product: Debt collection

This is my fourth complaint against XXXX Incorporated. They are attempting to collect a wrongful debt from me. My pervious complaint on was closed because Ms. XXXX from XXXX replied she would sent me proof of this being my debt. Unfortunately, the proof she sent me, is still INCORRECT, the address is wrong, the address is typed in but someone wrote it in the apartment number, and it is still incorrect. I did not apply for XXXX XXXX XXXX. I have not apply to live anywhere, I have a home. This has been the worst. There a laws in place to protect consumers from wrongful debts and Im constantly being ignored. Im not being protected. This isnt my debt please block and deleted this from my credit report, it is an embarrassment to me as a consumer and hard working individual.
Product: Credit card or prepaid card

I made a purchase for some plants online from XXXX XXXXXXXX. I did not receive plants and instead received twigs and sticks and broken pieces of leaves. I complained to the company about this but they insisted they would resolve it. Very few of the items grew. When I asked for replacements, the company refused despite their warranty. I later found they have a track record of not sending what is ordered and not honoring their warranty. I then contacted Chase for assistance and provided documentation. 

Chase has been going back and forth with me on this. I have submitted a variety of documentation and spoken with several representatives. Despite the warranty that was provided to Chase, they want expert testimony about the fitness of the plants. This is a {$230.00} transaction for plants from my yard. I doubt an expert would get into this and it would certainly cost more than the transaction. 

There is a warranty. I provided a copy of it. The merchant provided a copy of it. It is clear that the merchant is not following their warranty. The merchant did not provide the merchandise I ordered. It was not as described. The merchandise did not perform as warranties and described. There are several reasons for this transition to be refunded. Chase is supposed to provide protections for customer who do not receive what they ordered and when merchants do not follow there warranties. I have provided tons of documentation about this. 

What good is a warranty or credit card protections if no one will uphold them? What is the point? I should not have to pay for something that was not as described. And if Chase will not follow its own card agreement, then there should be consumer protections.