23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I've had an auto pay agreement with Chase bank to pay an outstanding credit card balance for over a year. Every month, {$100.00} has been approved for Chase to automatically extract payment from my XXXX XXXX   checking account. 
In XXXX 2020, the payment did not go through. I received no notification to that effect from Chase.. Then in XXXX of 2020, again, the payment did not go through. 
Multiple attempts to contact Chase bank have failed, due to an automated phone system that does not give any option to talk to a real person. 
I am unable to access my account with Chase online because I lost my username and password, due to a computer crash. I no longer have the credit card because I threw it away so I would not use it again. I don't get paper statements, only electronic, and they never include the account number, so I can't do anything online without the account number. I only have the last 4 digits of the old credit card, which does not give me access. 
I have written a letter, to be mailed, explaining the problem and I feel that they are now guilty of breach of contract with me under the auto pay agreement with them. They have my checking account number and routing number of my account at XXXX XXXX, which has never changed. XXXX did issue me a new debit card back in XXXX 2020, which I did not think affected the Chase agreement at all. The main problem is no means of contacting a person regarding this account. No help without the account number for their automated phone system.
Product: Debt collection

Navient Att : Dispute Department XXXX XXXX XXXX, PA XXXX Re : Reference : XXXX ( XXXX Navient Private Loans ) are not ( 60 days Late ) Dear Sir/Madam : I am disputing the above-reference. Please verify these days as required by the Fair Debt Collection Practice Act. 
I dispute this accuracy due to Financial Hardship and loss of employment because I did provide notification to Navient representatives on my account, thus, having extra time to pay the monthly payments and interest loan amounts in a timely matter to Navient. It appears as negative accounts on my credit report. I believe this business practice is reflecting negatively and is difficult obtain a financial position in a job market. Please remove from all three credit report agencies entirely. 

The days that were paid were XXXX XXXX, 2016, XXXX XXXX, 2016 and XXXX XXXX 2016. 
The application submitted for was submitted as a forbearance before XXXX XXXX 2016 to allow sufficient time for Navient to record payment made and retract any negative impact on my credit report. I was never 60 days consecutively late. The one payment I missed was XXXX 2016. And it is why I applied for the forbearance. 
Navient processed the forbearance late after XXXX XXXX making XXXX payments late causing a negative reporting on my file and submitting false reporting to the credits agencies I am disputing this days and amount own and as recorded, you should not report it to the credit reporting agencies, if you have already reported it, please notify the credit reporting agencies that the delinquency is disputed and delete the trade-line from my credit report. Reporting information that you know to be inaccurate, and failing to report information correctly, violates the FDCPA and Fair Credit reporting Act. 
Aside from verification of the days, do not contact me about this debt. The FDCPA requires that you honor this request. Thank you. 
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau, XXXX Department of Consumer Affairs, and Federal Trade Commission- Consumer Response Center
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I discovered through XXXX XXXX that Kimball , Tirey & St. John LLP filed a collection account of {$17000.00} against me. This debt stems from a lease at XXXX XXXX XXXX in XXXX XXXX. During the lease, I faced extraordinary financial and personal hardships due to XXXX : My roommates, who were all co-signatories on the lease and equally responsible, moved out unexpectedly while I was out of state, leaving me solely responsible for the increased rent burden. 

I was in Florida caring for my father, who passed away from XXXX in XX/XX/XXXX. 
Upon returning, a remaining roommate tragically passed away in the apartment on XX/XX/XXXX. 

Following these events, the building management charged a {$7000.00} hazard cleaning service fee to my rent ledger, despite being aware of the shared living arrangement and the tragic circumstances. I vacated the apartment on XX/XX/XXXX, and have a full ledger of my payment history, which demonstrates my efforts to stay current under incredibly difficult conditions. 

The debt and additional charges are unjustified, as all roommates were signatories and equally responsible. The building management failed to acknowledge the shared responsibility or work with me to resolve these issues. 

I request the CFPB investigate this matter and mediate with Kimball , Tirey & St. John LLP to remove this collection from my credit report, as it was unfairly assessed.
Product: Debt collection

Received a debt collection letter from Advanced Recovery Systems on on XX/XX/2021 .I sent Advanced Recovery Systems a debt validation letter on XX/XX/2021 requesting for them to validate the debt because in the letter the sent me it said that I owed them {$100.00} on multiple accounts and I didnt know what accounts they were referring to. They never replied to my request.
Product: Debt collection

Notified Credit Collection Services ( CCS ) on XX/XX/19 and again on XX/XX/19 that a debt they were claiming owed was incorrect from their client XXXX XXXX XXXX. CCS was claiming a debt of {$1300.00}, that their client XXXX XXXX said was owed to them due to me cancelling auto insurance services with them because they stopped taking payroll deduction payments. I notified XXXX of this issue twice. Once in XX/XX/2019, when I noticed that payroll deduction payments to XXXX were not being taken. I was told by the XXXX representative that everything was fine and I was in good status. I contacted them again in the beginning of XX/XX/2019, when the issue still wasn't corrected and asked why the issue wasn't corrected and again I was told I am in good status. I have been a customer of XXXX XXXX for many years and have always paid with payroll deductions with no problems. However, XXXX never once corrected the payment issue. It is against the law in the state of Arizona to not have auto insurance. I was forces to hire another insurance company on XX/XX/2019. On XX/XX/19, I even provided CCS with a supporting document that was sent to me from XXXX that shows the amount owed for five weeks of service coverage is {$490.00}. CCS continues to notify me of the {$1300.00} amount. CCS was informed that this is false representation of a debt amount.
Product: Student loan

I applied for an Income Based Repayment program for my student loans back in XXXX/XX/XX/2018. I was sent a form asking for clarification on my past stubs because this company couldn't do the math and figure out that the pay stubs were two weeks apart meaning I get paid BIWEEKLY. My take home pay is {$0.00}, I am a waitress and make barely enough money to pay my rent. After TWO MONTHS of patiently waiting for this to be processed I reached out to their email communication team. I heard nothing back for over a week. I contacted again threatening regulatory action. I then applied for an Unemployment Deferment because they repayment plan was taking forever and my due date was coming .... A few days later I got a response that my program is approved but I am now due for {$6300.00} on XX/XX/2018! HOW IS THIS POSSIBLE!? I cant pay that? I just sent in my pay stubs showing I MAKE NO MONEY!! I need this fixed. That past due amount will tank my credit and I am working so hard on getting this all my debts settled. I cant do much more than give them everything they ask for! Please help me get the {$0.00} monthly payment I was told I qualify for based on my income. This has to be some form of predatory lending trying to take their time in processing these apps so they can make their money on the interest that keeps accumulating .... cant you see I am trying to do my part!!!
Product: Debt collection

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Checking or savings account

I have wells fargo bank, they have repeatedly said i've had more money in my account than i have. then they have charged me numerous over draft fees for my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   XXXX  ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX
Product: Debt collection

The original debt is from XXXX XXXX XXXX in the amount of {$3800.00} the account went into default and transferred to debt collections company ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX on XX/XX/XXXX. 

XXXX XXXX reported the collections account from XX/XX/XXXX, XXXX XX/XX/XXXX. They received no contact or payment from me during that time. 
The collections then fell off of my report as of XX/XX/XXXX. 

Apparently the debt was sold sometime around XX/XX/XXXX to : DEBT RECOVERY SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, They have not received any payment or contact from me. 

The company : DEBT RECOVERY SOLUTIONS has now began harassing me and trying to collect this old debt. They have reported to both XXXX and XXXX that the collections account is a new account and origination date was XX/XX/XXXX. This information is incorrect and they are still trying to collect a debt that has reached its statue of limitations for California and are re-aging my account. I have reached out to XXXX and have not yet to have the account updated with correct information or removed.
Product: Debt collection

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with ASSETCARE company I believe the original creditor XXXX XXXX XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Mortgage

Our home was substantially destroyed by  XXXX   XXXX . We have recieved t he RREM Grant from the state of New Jersey and are currently raising our home and have had to find  other residence. In  XXXX  we were made aware of a Forbearance of Mortgage Payments  by The  New Jersey Department  of Community Affairs. We  applied for that certification. On  XXXX   XXXX  we received a Certification of Eligibility,  XXXX  - Impacted Forbearance Certification. We contacted our Ban k Wells Fargo by g oing into a local branch and speaking with their hea d officer. We also sent Wells Fargo a certified letter with the Certification letter attached. They said they would be back in touch with us in two weeks. We have never received any notification from Wells Fargo on  how to proceed. I have paid our escrow of {$1000.00} for both the month of  XXXX  and  XXXX  so our Insurance and Taxes would be covered. They now tell me that they do not apply partial payments and I am in arrears  for two months to for {$5300.00} not taking into consideration our two payments of {$1000.00} equaling {$2000.00}. I am getting threatening letters about foreclosure and I am worried about them reporting our loan as delinquent. I just spoke with the NJ Department of Banking and Insurance and they advised me that Wells Fargo is a Federal Bank and does not come under their jurisdiction and I should make the complaint with your Bureau. Wells Fargo refuses to give me any direction on this and I am afraid this will have a great impact on my cre dit standing I took so long to attain. Please advise me of what to do.
Product: Mortgage

Fear Consumer Financial Protection Bureau, I live in Florida, and due to the XXXX disaster I applied to FEMA help. There i was told to call my mortgage company ( OCWEN ) to request few months forbearance at not cost added to the end back of the loan, since this is a Federal Law. I called Ocwen on XXXX XXXX 2017 and asked, they told me that they could give me 3 months without payments and then start paying those 3 months in the amount of {$5700.00} divided by 6 in the following six months plus my regular payments. I asked them why they where charging me {$5700.00} for 3 months if my regular payments are {$1300.00} and this multiply by 3 will be XXXX. They said that was the offer. So I escalate this issue to different managers and after 2 days of fight they said it was a mistake. 

Now I called on XXXX XXXX, I kept asking for 3 months added to the back of the loan ( the minimum the law says, I understand it could be up to 12 months ) and they said they do not have that offer. I told them this is a Federal law, finally they said that they are not saying they will not follow the law but that this option is not available now is under discussion ... 

I appreciate your help because i have been trying my best to deal with them, but instead of helping they are trying to take advantage. I just need some time to get back on my feed, considering i also have to pay my house taxes. 

I appreciate your help in advance. 

XXXX XXXX OCWEN Loan Servicing, LLC Account Number XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX agents ID : XXXX XXXX / XXXX XXXX / among others My email address is : XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/ I do not remember authorized this company to obtain a copy of my credit report. This inquiry need to be removed immediately. Please deleted " XXXX XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been furloughed in 2020 between XXXX. I have applied for mortgage forbearance and Fifth Third Bank granted me 6 months. In XXXX I called the bank to inform them Im back to work and I would like to restart payments. I have never received nor signed a forbearance contract. Nor I was informed that at the end of the forbearance I would have to repay the missed payments. In XX/XX/2020 Ive noticed in my mortgage statement that the entire missed amount is due. I called the bank and they said they will send me a mortgage addendum to have the missed payments applied to the loan. Addendum received, signed, notarized and sent back. I received a new addendum to sign due to the fact the first one was missing my wifes name as a co-borrower. I executed the second addendum and sent it back timely. 
In XX/XX/2020 I have noticed the bank reported late payments to credit bureaus for the months of XXXX, XXXX, and XX/XX/2020. I have NEVER had a late payment in my credit history. I called the bank multiple times to have the reporting corrected. After months of calls and inquiries, the bank informed me they will not change the reporting since I have not paid back the missed payments on time?! 
I hope my above explanation of the events is showing how I obeyed all rules and instructions at all times. I have never been informed ( in writing or by phone ) that I would have to pay the missed amount at the end of the forbearance. How would that help the customer anyway? I was out of work ( due to pandemic lockdown ) and immediately after starting work I would have to repay few months of missing payments??? 
I also want to mention that Im current with my mortgage loan. 
Thank you for the attention given to my case!
Product: Credit reporting or other personal consumer reports

this is my second dispute and you have failed ad admired that you are in violation of the fcra delete the following accounts immediately from my consumer reports Upon reviewing my credit report, I have identified the following item ( s ) that contain inaccuracies : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The wrong amount is being reported XXXX XXXX Account XXXX : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Employers : XXXX XXXX XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
XXXX. The wrong amount is being reported XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX Account XXXX : XXXX Please ensure that all information is accurate XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX  XXXX  XXXX, CA XXXX XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 
XXXX. The wrong amount is being reported XXXX XXXX Account XXXX : XXXX Please supply information on how you have verified this item. 
XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate Please supply information on how you have verified this item. 
In accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and promptly removed from my credit report. It is my understanding that you are required to verify these items with the relevant creditor. Please eliminate any information that the creditor is unable to substantiate. I am aware that under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Furthermore, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. 
Thank you for your attention and assistance regarding this matter
Product: Credit card

They continue to call me at least XXXX times a day and are unwilling to work on a lower payment plan and instead try to sue me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.