23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a debt on my credit report from Midland Funding LLC. This debt was purchased from XXXX XXXX. The amount of the debt is for {$920.00}. This debt appears on the XXXX, XXXX and XXXX credit reports and has been reporting since XXXX XXXX. I have disputed this debt with all three credit reporting agencies with no progress. I have contacted Midland Funding LLC several times because according to their website I qualify for a hardship that is outlined on their online Consumer Bill of Rights, which states : Article 2 : Hardship Consumers Who Are Servicemembers, Victims of Natural Disasters, or Who Are Experiencing Medical Issues, Job Loss, or Other Hardships We actively seek to identify active duty servicemembers and stop collections from those servicemembers. 
We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. 
We suspend collection activities when a consumer is a direct victim of a natural or other catastrophic disaster. 
We cease collection activities when we receive documentation indicating that the consumers only source of income is from exempt sources, such as Social Security or Supplemental Security Income benefits, and that the consumer has access to no other assets. We work with and are sensitive to consumers who encounter unforeseen circumstances, such as job loss. 

When calling Midland Funding LLC I 'm told each time by a customer service agent that no such program exists, after I explain that this does exist and it is on their website I 'm then transferred to a consumer care representative who then asks me what makes me think that I qualify for this program. I then explain my illness which is XXXX XXXX and that my income is only XXXX XXXX XXXX. I 'm then told that I need to contact someone named XXXX XXXX XXXX, who is an XXXX that works for Midland Funding LLC and work out everything with her office. I then explain to the CSR that the hardship is through Midland Funding LLC and that Midland Funding LLC is the business that is reporting this to the three credit bureaus. Then on every call I 've made I go back and forth with a CSR that I will not be calling any other office other then Midland Funding LLC because that office is not the entity that is reporting to the credit bureaus or the company that is offering the hardship. Midland Funding LLC then states that they will send an email to XXXX XXXX XXXX stating what I had stated to Midland Funding LLC and then I can call back in 7-10 business days to find out the results. I call Midland Funding LLC back in the 7-10 business days and then the process starts all over again, with no results.
Product: Credit card or prepaid card

Capitol One : Breach of Contract and Racial Discrimination. 

I submitted my identity documents on 11 separate occasions. I waited the 7-10 business days and heard nothing. 

I called and they first denied I sent them anything, then I recited the case numbers I had and they said that case is closed and I have to start over. 

Excuse me!? I uploaded front and back of my ID on XX/XX/XXXX. I called on XX/XX/XXXX ; well within the 7-10 business days! 

That's a breach of contract! 

But that case is " closed ''!? I also mailed copies, including yet another full color set on Wednesday, XX/XX/XXXX. I have sent several. 

Again, I was still well within the 7-10 businesses days for review. A review that has not happened and now I'm told will not happen since I called and effectively started the verification process over again by doing so! 

So, if I inquire about this again within the next few days, they will cancel on case and start the clock on another, and possibly give me XXXX answers within the 7-10 business days. Do you see the circular pattern of illegality occuring here? 

So while I was APPROVED of a {$10000.00} credit limit, they are refusing to release it claiming everything from " fraud '' to " we can't read your id '', then it was " your license is expired '', now it's " we didn't receive anything '' and " we have to start the verification process over again '' to me AND are refusing to allow me to see my credit score, and they are clearly using discriminatory business practices as part of the process. 

On another note : XXXX XXXX XXXX approved me for a loan USING THE VERY SAME ID PICS I SENT TO CAPITAL ONE! This process took only four days start to finish. I have even paid off my current Capital One credit cards with this loan I was approved for, using the aforementioned ID! 

I have sent my ID PICS as jpegs, fax, and in the mail. REPEATEDLY. 

Capitol One 's computer system will NOT allow me to send a CLEAR front pic ; the file would be too large. I told them this 6 times and in writing. And they still insist I use this method, even as they IGNORE the other methods, like mailing copies, that they suggest for me to do, and I have done. 

Again, Capitol One is engaged in flagrant XXXX discrimination and breach of contract.
Product: Debt collection

I have an account from CREDENCE RESOURCE MANAGE # XXXX that is Fraudulent I have requested that XXXX XXXX XXXX froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. I and requesting a 605b BLOCK on my file from all 3 bureaus and including the supplemental credit reporting agencies.
Product: Money transfers

In XX/XX/XXXX I used my XXXX credit card to pay for my severely XXXX son 's XXXX for {$800.00}. However when the provider ( XXXX ) processed the payment, they did so using XXXX different transactions and using a name I did n't recognize ( XXXX ). The next month, not recognizing the vendor name or the amounts on my statement, I disputed them with XXXX. On XX/XX/XXXX the provider contacted me about the charges. Finally realizing my error, I called XXXX back and they immediately re-ran the charges. Those charges showed up as having been charged to my credit card on XX/XX/XXXX. On XX/XX/XXXX, I received another call from the vendor demanding that I write a check for the missing money or my son would n't be able to finish the term ( even though my credit card statement clearly showed the charges and XXXX verified them ). I wrote them the check which they cashed. XXXX uses PayPal as their credit card processor and since XX/XX/XXXX XXXX, who has taken the lead on advocating a resolution with PayPal, has initiated XXXX calls with me and PayPal. On each call we have been told that the money is at PayPal but has NOT been transferred to the vendor 's account. As of today, it still has not funded even though on the XX/XX/XXXX call PayPal assured us that it would be funded by XX/XX/XXXX. Because I paid for the XXXX session XXXX ( even though XXXX has only received the money XXXX ), I did n't have the money to pay for the summer session and XXXX removed my son from the program. Because there are lots of other special needs children on the waiting list, XXXX will NEVER get his place back at XXXX. I believe that PayPal has been holding these funds, while I have been paying interest on them, since at least XX/XX/XXXX. Unfortunately, I ca n't afford to float this kind of money and neither can XXXX, which is a small volunteer-run non-profit organization.
Product: Credit reporting or other personal consumer reports

the XXXX for XXXX account has been on my credit report without me knowing for 6 years and as of XXXX I am reporting this negative item as incorrect information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

( 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. 
XXXX is reporting this information as a charge off Every month. 
A balance is being reported and a charge off can not have a balance reporting. 
The amount has been reported as a loss for each breauru. 
Equifax is reporting this as being payed as agreed this information is indeed incorrect
Product: Debt collection

The XXXX Credit Bureau is reporting inaccurate information on IND REC RES. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that during the COVID-19 Pandemic Congress passed a bill called the CARES ACT which allowed temporary relief to certain debt situations. Payments that were late during that time could be marked with a special code or marked as on time but not late. Prior to my late payments in XXXX and XXXX of XXXX and XXXX of XXXX all of my payments were made on time. After the late payment in XXXX of XXXX I continued to maintain an excellent payment history with your company. I will continue to maintain an excellent payment history and ask that the 3 late payments mentioned above be marked with a special code ( due to the COVID-19 Pandemic ) or as on time.
Product: Debt collection

I am writing to file a formal complaint regarding invalid debts that have been erroneously listed on my credit report. Upon reviewing my credit report, I discovered a debt that has been attributed to me by First Fed Credit Control, without any prior communication or knowledge from their end. 

I would like to bring to your attention the following details : *Lack of Account Information : First Fed Credit Control has not provided me with any account number or relevant details regarding the alleged debt. As a result, I am unable to verify the authenticity or accuracy of the debt.

*Absence of Communication : I have not received any correspondence, written or verbal, from First Fed Credit Control regarding the debt in question. This lack of communication raises doubts about the legitimacy of the debt and suggests possible fraudulent activity.

*No Recent Inquiries : To the best of my knowledge, I have not initiated or authorized any recent inquiries or transactions that would lead to the existence of a delinquent account. This further supports the notion that this debt is a result of identity theft.
Product: Checking or savings account

Received by mail 2 Visa debit cards for a Chase account I did not open. When I called ( XX/XX/21 ) to close the account I was asked to provide full SS number which I did not want to do over phone. I will try to close account at a Chase branch later today or tomorrow.
Product: Credit reporting

I went through the free annual credit report online and had no problem wwith XXXX and XXXX online reports when I tried XXXX they form wanted me to sign up for a account and needed my credit card information and other personal info not required. I talked to a XXXX who argued that I had to sign up for a free membership with a {$14.00} a month trial period he refused to transfer me to a supervisor and gave me the wrong number to request it by mail. I called XXXX who also refused to send the report as required by law every year! Someone hacked into my XXXX and got into my XXXX account and ordered {$2000.00} worth of XXXX and XXXX. I just wanted to know if someone had applied by asking trans union! They totally refused and were extremely rude and hung up on me!
Product: Debt collection

MOHELA/U.S. Department OF EDUCATION } in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing { Seriously past due date/collection, my account was charged off $ XXXX {$2500.00} } in ( XX/XX/2016 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update or delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax ; XXXX and XXXX a charge-off/collection in the amount of {$15000.00} along with reporting lates on the XXXX account number XXXX. ( Please see page 12 of the attached credit report. ) Due to extenuating circumstances, we voluntarily surrendered this vehicle. My wife unexpectedly had to move overseas to take care of her ill father for an indeterminate amount of time. The car was sold at auction and brought enough money to pay off what was owed. I was informed that a voluntary surrender would not be reported on my credit report and that a voluntary surrender would not harm my credit score. Since this debt was paid and there is no outstanding balance due, this account should never have been reported as a collection. This incorrect reporting is harming my credit score. I have contacted the ( 3 )  bureaus to resolve this issue, however I have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a 30 day late payment in XXXX of 2020 during the first month of Covid-19 Shutdowns. I made an arrangement with them, wrote a Good WIll letter and they refuse to remove the late payment status with all of the credit bureaus. 
Under The CARES Act, which was signed into law on XX/XX/2020, Act amends theFair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) The Credit Bureaus never did a proper " investigation '' according to the FCRA.

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for update. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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.
Product: Student loan

I currently have XXXX joint student loans with Navient. For over the past 6 months, my daughter and I have been trying to determine how the funds we are sending each month towards these accounts are being credited. Navient has listed XXXX account delinquent over 60 days. After several unsuccessful calls directly to the company, regarding how the funds are being applied I directed them to contact my daughter. I have continued to send funds on XXXX loans, but until there is a clear understanding of where the funds are going that my daughter is sending has provided Navient a clear field to report this account delinquent. In addition, I get several telephone calls per day demanding payment. Their representatives are very unprofessional. There have been times they can not answer my questions and although they will acknowledge receiving a payment ( not the full amount ), their reps can not explain how the funds are being applied. I have asked for explanations in writing and assistance to help bring the balance current. I have been given the option to accept a resolution over the telephone yet the company has denied providing me the information in writing. I just want this account to reflect correct information. All my other creditors are being paid timely ; however, Navient has refused assist me by providing clarity of this account and how the funds they received are being applied. 
Any assistance you can provide will be greatly appreciated.
Product: Debt collection

The subject debt was incurred on XX/XX/XXXX for a XXXX Handbag. The charge was {$2400.00} for the bag, {$20.00} for a delivery fee and California Sales tax of {$210.00}. 

I was not in XXXX XXXX on the date that the charge was incurred and have not been in California at all for quite some time. 


I did open a credit card at a XXXX XXXX XXXX Store in XXXX XXXX in XX/XX/XXXX. That is the account on which this charge was incurred. It is the only charge on the account. The card was issued through XXXX XXXX XXXX. In XX/XX/XXXX I moved from the address of record for the card. I never received any of the bills. None were forwarded to my new address. 

I discovered the debt when I did a credit check in in early XX/XX/XXXX. The debt was listed on my credit report as open & unpaid. The Original Creditor, XXXX XXXX XXXX is no longer attempting to collect the debt. The current creditor, XXXX XXXX XXXX XXXX XXXX. XXXX, is. The current debt is {$3200.00}
Product: Debt collection

I had a loan with XXXX XXXX where the loan terms were predatory. 

I did business with a car dealer in XX/XX/XXXX in XXXX NY that was shady to say the least. I purchased a {$15000.00} vehicle and gave {$5000.00} as down payment in XX/XX/XXXX. I had to start a new job the following day and rushed through a process that I would normally take my time on. In XX/XX/XXXX without missing a payment of {$450.00} a month for 5 years my loan was still {$14000.00}. Five years of not missing a payment and the loan went down {$500.00}? The dealer kept my deposit and did not put it towards the price of the car. 

I called XXXX XXXX to negotiate a new loan and they declined to help, saying that they would give me a lower payment but only for 6 months. I refused. After 5 years of paying {$450.00} a month I had already paid {$27000.00} on a car worth less than {$15000.00} and XXXX was not willing to negotiate a fair loan. I then asked for a Voluntary surrender of the vehicle and they came and retrieved the car. Later I received a letter from XXXX saying they auctioned the car for a few thousand dollars and I was responsible for the rest. I believe XXXX sold the vehicle for about {$8000.00}. Therefore XXXX collected {$27000.00} worth of payments from me plus {$8000.00} from an auction. Thats {$35000.00} on a car worth less than {$15000.00}. Then sold the debt to a debt collector named NCB Management Services on top of the {$35000.00}. 

Then I get a call from NCB Management Services. I tell them the story and tell them that I don't intend to pay another dime. This was in XX/XX/XXXX. 

Now in XX/XX/XXXX I need to buy a home for my family of 6 and NCB shows a collection on my credit report. I call NCB and tell them clearly that I want to pay this loan off to have the collection deleted from my credit report. I was very clear when I said I will only consider paying more money towards this car if the collection is removed from my credit report. Over the phone the person understood and knew exactly what I needed. I payed {$2000.00} more to settle the debt. 

I made the payment on XX/XX/XXXX and on XX/XX/XXXX the collection is still showing on my credit report. It does show a XXXX balance but my request before agreeing to pay was to have the collection deleted from my credit report. 

It is obvious that I paid XXXX and NCB enough money as to not be punished with this collection on my credit report. NCB used deception to collect this money which continues the same trend from the XXXX loan of negatively affecting my financial status since I will be paying a higher mortgage because NCB did not do what they told me they would.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never filed a XXXX  XXXX bankruptcy I disputed this with with all 3 credit agencies and no one has responded I also sent off letters this is my 3rd time trying to resolve this matter
Product: Mortgage

PHH Mortgage Services at XXXX XXXX XXXX, Mt XXXX XXXX XXXX, charged me {$2000.00} on the back end of my mortgage from an forbearance that I had taken. My balance was {$15000.00} left on the back end, I try to do a payment plan but they told me I had to refinance through another bank. From XXXX I was charge per day interest at 2 % ON {$15000.00}. I wrote the mortgage company and asked for a broke down of the charges and received a letter stating that I needed to pay the interest and to have it wired through a bank. 

I need to know what calculation was use for the balance on {$15000.00} that I had to pay {$2000.00} at 2 % my math is totally different from what they charged.