23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My students loans went into GC services as they defaulted while I made to little money to pay them and the private bank ones and my cost of living. I have changed my profession and working 7 days a week and for a year now been having it with GC Services. They wanted a payment plan I am paying them to the US National Payment Center for Dept of Educaiton. I never get a receipt, or any communications of any kind. I had to send in over a dozen email and letters to ask for Rehabilitation Processing and payment plan was set at {$170.00} a month based on my income reported and documented. 

I have been paying it always on time, even ahead and over the amount working lots of over time to make all due effect on this. I have NO communication of any kind. I get a letter from the US Dept of Education that they are charging a XXXX % commission on payments. So between their commission and then the interest on the amount now raised $ XXXX to $ XXXX on a $ XXXX original loan balance I am looking at not a cent is going to principle. 

I am trying to get out of default. I am asking both GC Services in emails, written letters in the mail and the US DOE the same and calls and told GC has all the cards here. Well in less then 90 days I am the 9 months of paying per the Rehabilation process. I have NO information of what are my duties, needs to do here, options, rights? Reciepts, what are my tax deduction for filing in 2015 on this in the XXXX digits. No idea if I am getting my tax refund this year or is GC going to seize that before Rehabiliation 9 months ends. 

What do I owe once that process is out of default? 
What do I need to do when to get out of default with less then 90 days left till kept payemnts to the agreement and then some? 
Who then owns my payment and the regulations? 
Do I still owe XXXX % commissions to GC then or are these dropped? 

I want to know where I stand on my 2015 tax return. 
Want to know what forms I need to file my taxes with the interest deductions they are I am assuming required to provide and when by? 

Having some written information from GC Services on these matters would help me understand my rights, process and how to end being in default when I have meet the agreement. 

Do I have fees after I am out of default or just the interest as the original loans were taken out as the additional to the principle?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans through   XXXX   XXXX  . I pay a company called MRS BPO for these loans. They are paid on time each month for the last 4 years. Approximately 3-4 times per year, MRS-BPO does not provide my up to date payment information to   XXXX   XXXX  . Which then causes them to report a payment as late to the credit reporting agencies. This has now happened again for the month of  XXXX . My payment was made via automatic draft on 4/15 as it is every month. I was just notified of a negative report on my credit monitoring service stating that   XXXX   XXXX   is reporting the account as 60 days late yet again. I am in the process of repairing my credit report in order to buy a house. Their reporting of my account could greatly hinder my ability to get a mortgage in a timely fashion.
Product: Mortgage

Wells Fargo loan # XXXX I completed two loan remodifications and ended up being taken advantage of and they took more money from me. 
Please look into these remodifications and see if they were correctly done.
Product: Student loan

I have both federal and private student loans. My federal student loans are under a payment agreement, however, the private student loan lenders will not work with me. All of my private student loans came out of deferment in XXXX of 2016 or within a month or two of that time period. I gave XXXX in XXXX 2016 and then had a 3 month unpaid XXXX leave. Now that I am back at work I am struggling to pay for child care and get back on my feet. It seems at this point the student loans will have to go into default because I do not have the money to pay the lenders. My complaint is that if the lenders would help I could and would be willing to pay. Also, for my loan with Citizens One I owe more in interest then the beginning balance of the loan. I originally borrowed {$8600.00} and now owe {$16000.00}. I have student loans with XXXX XXXX, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested In disputing all incorrect information on my credit report with Equifax. checking all information listed the data is incorrect. please remove all listed items to correct my credit profile.
Product: Debt collection

XXXX has reported my credit to a collection agency for a balance owed. I have never had any credit card or payment arrangements with XXXX. Anything I purchased was paid in FULL and withdrawn from my account. I havent used XXXX in years. I called XXXX and asked for some type of documentation explaining whats owed and why. I have not received anything. I am trying to purchase a house and this is killing my credit. I do not owe XXXX any money, any time I used their services I paid in full.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXXXXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX Balance XXXX {$7300.00} XXXX XXXX XXXX Balance : {$5500.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Filing a complaint to report inaccuracies on my credit report 15 U.S.C ss 1681i : Failure to conduct a proper reinvestigation after I disputed the inaccurate information. 15 U.S.C ss 1681s-2 : Responsibility of the furnished of information to report accurate data. 15 U.S.C ss 1681e ( b ) : Failure of the credit reporting agency to ensure maximum possible accuracy of the information, which caused significant financial harm and distress. The errors involve incorrect dates and amounts which affect my credit score and financial standing. I request assistance in investigating.
Product: Debt collection

This is to follow up with my request to send me debt validation, you mentioned on your response that you were sending me documents but I don't see anything like a validation letter. Please send it to me by responding to this message so the CFPB would also know of your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost 7 years ago I voluntarily gave back my car to us auto credit. Since then they sold the vehicle and never disclosed info with me. So instead of taking off sale of car off loan they have been charging me late fees. I am working with XXXX XXXX  and for the last three months they have been reporting missed payments to a closed case. I have tried reaching out however I never get the same person and the 2 times I gave them my debit card number to try and make small payments they were trying to take more than allowed. Any help is appreciated as it will be 7 years in XXXX.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we need to delete wrong accounts from my credit report. Could you please look at the papers? Some of the accounts listed are wrong in terms of reporting, with wrong amounts and dates being reported.
Product: Debt collection

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$750.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$720.00} ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX XXXX XXXX XXXX XXXX   ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Creditor : XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) I understand that mistakes happen but your inaccurate information is costing me money in higher interest rates and I have enough expenses asis. 

Thank You Sincerely yours,
Product: Mortgage

I was currently XXXX overseas as a XXXX XXXX XXXX XXXX XXXX XXXX. My house loan had recently been transferred from XXXX XXXX to Flagstar Bank. I later found out there was only paper mail to my house for notification. I had been off the grid with little to no connection back home. Therefore, I did not receive any notice of the financial movement and missed consecutive payments on my mortgage ( I had auto-pay with XXXX XXXX  ). I paid in full for all the months missed as soon as I identified the problem. I contacted all credit bureaus, XXXX XXXX, and Flagstar Bank to remove the late payments on my credit report and to remove my late charge fees on my account. I had an above average credit score ( 800s ) up to this point and have always been a reliable client to any bank I have worked with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : US BKPT CT AL  XXXX Identification number XXXX Claim amount {$0.00} Date filed XX/XX/XXXX Status Chapter XXXX bankruptcy XXXX. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX in settlement. {$15000.00} written off. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account number XXXX .... 
Recent balance {$25000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$25000.00} written off. {$25000.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status XXXX, XXXX. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy.

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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 or other personal consumer reports

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

On XXXX I filed a dispute for a charge of XXXX from XXXX XXXX which took place on XXXX. In this dispute, I outlined OnXX/XX/XXXX after finding the same item at a much lower price online, I attempted to return the purchase. Despite only having made this purchase a few days prior and the return policy stated on my receipt clearly states a 45-day return policy, my return was denied with no explanation. As an XXXX XXXX member, my return period extends to 45 days from the date of purchase. Therefore, I am disputing this charge as I was within the return policy set by XXXX XXXX. To assist in the dispute investigation I included a copy of the original receipt showing the original purchase, the merchant return policy, as well as the proof of the attempted return and resulting denial denial by the merchant. As outlined by the XXXX merchant dispute conditions Condition 13.7 Cancelled Merchandise/Services, this is a valid dispute as I attempted to return the purchased merchandise in accordance with the return policy provided at the time of sale only to have the merchant refuse the return, violating the terms of sale. 
On XXXX Chase sent a letter stating they refused to chargeback as they sent me a letter to which they claim they did not receive a response to. This is a false statement as not only did I call and resubmit all necessary paperwork, but when initiating the dispute I provided Chase with all relevant documents and information to process this dispute. I contacted Chase many times via phone insisting the dispute be continued as the merchant had failed to produce any information invalidating the dispute. OnXX/XX/XXXX and onXX/XX/XXXX I sent letters in ( proof of submission attached ) reasserting my dispute. Chase further states I did not meet the policy guidelines when I returned the merchandise. This is, in fact, a false statement as it was the merchant who failed to meet the policy guidelines as indicated by the included return refusal receipt. 
I requested a copy of all related documentation for this dispute which I never received. Soon many fronts Chase failed to meet their legal requirements both in investigating this dispute as well as providing documentation as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through XXXX  's website and i noticed a few fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the ACCOUNT that need to be removed from my file : XXXX XXXX XXXXXXXX Balance : {$930.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian, please review the following complaint against your client and XXXX XXXX XXXX XXXX. Is XXXX correct and they don't provide credit reports used for their loans and you provide? I am not going away. 
I have repeatedly requested the credit report used for the XXXX XXXX XXXX XXXX loan # XXXX. My requests have been ignored and repeatedly called duplicate on Consumer Financial Protection Bureau. So I called XXXX today to request a copy. The gentleman went offline to request from that department. After an extended wait, he instructed me XXXX didn't provide credit reports and I would have to call dealer or credit bureau.??? I thought he misunderstood so I told him that I needed the report used for the loan, He said understood. I told him that it was law for the companies to provide the credit reports used for the loan. He went off line again and came back with the same news. And then he admitted that XXXX didn't have a copy of that credit report and I would need to get from the credit bureaus or the dealership.?? I am sure all of this was taped for XXXX 's review. Now everything makes sense. His superiors were just telling me a story and XXXX repeatedly calls my requests and complaints duplicate because they can't just say they don't have the credit report. Attached is the credit report and application used for the other car purchased in my name same day, same dealership. The other lender was XXXX XXXX XXXX, After XXXX reviewed the information and dates on application and credit report, they immediately dropped the claim. It is obvious the credit report was accessed before application and permission.I have again attached the application used for XXXX XXXX XXXX XXXX. It is the undated one used to access my credit report and completed the day after pulling my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( DISCOVERBANK XXXX )
Product: Prepaid card

I made the complaint on or about XX/XX/year> to XXXX. I went to make a purchase a my local XXXXXX/XX/XXXXXXXX store. My purchase was declined and I knew I had a balance of {$380.00} the previous day when i left my local XXXX. I was told by a XXXX XXXX card rep that a purchase of XXXX dollars was just used on my card at a place called XXXX, in COLORADO, I knew nothing of this place. They assured me this matter would be handled within 45 to 90 days. I contacted them regularly to find out that they did not have answers for me and eventually said it was my own doing and they would not refund my money. 
In XXXX I then contacted the XXXX whom said the Merchant was not in complaince and they were not willing to refund the money. 
XXXX i received in the mail a XXXX gift card with a new balance of {$1.00}. 
i would love to have help with the recovery of the {$380.00} that i did not use and was taken off my card without my permission. 
an added note : when i tried to make the purchase at XXXX XXXX XXXX in XXXX NC, the attendant actually typed in XXXX after i told her the amount of XXXX that was on the card and then she swiped it. but it declined. 
XX/XX/XXXX Store # XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017, I sent Equifax a request for verification of proof on the following accounts in the attached documents. Especially on an account named XXXX XXXX. I NEVER received an update on the investigation status! I recently pulled my credit from Equifax this year and saw that some of the accounts were deleted. I NEVER RECEIVED notification of an update on my request nor a status on an investigation. So they are 30 days OVER-due.
Product: Credit reporting or other personal consumer reports

For the months XXXX, XXXX, and XXXX reported my payments as being late and they were not late. I informed the supervisor that they couldn't just post my payments to my account when they wanted to and then report to the credit bureaus that it was late. We went back and forth and I informed him I can report XXXX to the CFPB, the guy said he didn't care. I asked to speak to the person in charge of him, I was informed they would give me a call and no one called, that's when I decided to take action. I also cited to them section 15 U.S. Code 1681le-compliance procedures. 
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 4 letters please fist update my personal information and please delete the accounts which are reporting errors to my credit
Product: Credit reporting

Transfer union reinserted previously deleted information. 
There was glitch in their system that violated the rights of consumer under section 6,11.As a result, I have been affected and my score is suffering.no notice was given.I am requesting all inquires be removed
Product: Credit reporting or other personal consumer reports

I SENT OVER THE XXXX XXXX LETTER THE XXXX TO ADJUST THE XX/XX/year> LATE TO N/A FOR ACCOUNTS XXXX FOR THE PERSONAL LOAN AND AUTO LOAN. 

XXXX XXXXXXXX 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  To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XX/XX/year> ] for my [ XXXX XXXX AND XXXX LOAN ] account. 

I want you to know that I understand my financial obligations, and if it werent for [ circumstance that caused you to miss a payment ], Id have an excellent repayment record. I made a mistake in falling behind, but since then, [ description of how your circumstances have changed or how XXXX improved your money management ]. Since then, Ive had a spotless record of on-time payments. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX