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

I have disputed this error a number of times. Either XXXX  or Military Star can not grasp what Military Star has done. I had a collection account with Military Star Credit Union ( account number XXXX ). When I made arrangements to pay the last {$900.00}, Military Star Credit Union set up a separate account number for me to make those payments ( XXXX ) I completed those payments and this account shows a XXXX  balance. 

BUT THEY LEFT THE FIRST ACCOUNT ON MY BUREAU WITH A BALANCE OF {$900.00}. This is a violation of my Fair Credit Reporting Act Rights. And since I have now disputed it 3 times, it should be considered an act of " willful negligence '' which carries punitive damages with it. 

How may Military Star Credit Union customers have old collection balances that they have already paid, sitting on their credit bureaus because of this internal process of creating a separate account for paying them off? How many credit scores are artificially lowered due to this negligent act? 

This would be a prime example for the CFPB to publish on Consumerfinance.gov so that other consumers aren't sucked into the negligence.
Product: Student loan

My loan servicer, Edfinancial, started moving my loans to their new system on XX/XX/2023 as stated in an email I received from them. I was told that two weeks after the transfer process begins, I will need to register for a new online account on their website 'Edfinancial.com/MyAccount '. I attempted to register on XX/XX/2023, over two weeks after the transfer had begun. The new system told me it could not find my account, despite several attempts and double checking that I had my info correct. I contacted a support agent, XXXX, via live chat on their site. She told me that they had extended that two week period and said that the system wouldn't be ready until next week. I asked why hadn't this been communicated to me and if they would let me know when the system would actually be ready. She told me that they wouldn't be giving any notice of when it would be ready, I would just have to check back with them. 

When dealing with large amounts of money, it is frustrating when the company managing my account doesn't communicate, applies payments to the wrong loans ( see my previous complaint XXXX ), and has bad support that is difficult to get in touch with. 

Quoting their email about my account transfer : " Edfinancial Services will continue to be your student loan servicer and will remain in communication with you regarding updates to your account. '' This alleged communication has been nonexistent. I check my account regularly to ensure accurate account info, and to make sure I know when payments are due. Per my last complaint, I no longer trust Edfinancial to apply funds to my account correctly, and having no access to my account and not knowing when I will regain that access is concerning.
Product: Credit reporting or other personal consumer reports

Capital one closed and charged off my account without proper notice and charged off more than my original balance they refuse to acknowledge the XXXX dollars that I paid them when I believed my account was still open however they closed it without proper notice, then charged off XXXX! I have notified them several times to correct this or stop emailing me to pay an amount that I do not owe. They continue to ignore my emails back to them to correct this and continue to harass me for XXXX yet when I check XXXX they charged off XXXX thats illegal and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020, I sent a letter to XXXX XXXX XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/2020, I have not received any notice and the account is still showing on my credit reports, and still listed as active and showing a balance due and not settled. I disputed the entry still being on my credit report with Transunion, sent them a copy of this letter and money order and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me XXXX days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report.

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX  XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n XXXX XXXX because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
Product: Consumer Loan

Describe what happened so we can understand the issue ... 
After loosing my job, I fell behind on car payments, I always called and made arrangements. I had called KIA MOTOR FINANCE and made arrangements to pay the balance of XXXX on the XXXX of XXXX. I had made a payment of {$500.00} XXXX and that payment had cleared my account. 
XXXX XXXX I woke up to my car missing. I immediately called KIA MOTOR FINANCE they told me that had not taken my car back. I called the police, after 2hours the police informed me the car had infact been repossessed by KIA MOTOR FINANCE. 
I sent KIA MOTOR FINANCE the record of my payment on the XXXX XXXX being withdrawn from my bank account and I asked them why I they had repossessed my vehicle if arrangements had been made, and then told me that they had not done the repossession forcing me to call the police and waste a public officials time based on a lie. 
They would not answer my questions, they told me I know owed from a beginning balance of XXXX which was reduced by a {$500.00} payment on the XXXX XXXX, to {$960.00} was no infact {$1400.00} + {$490.00} + {$320.00} and another {$370.00} to the tow company. 
I had 48 hours to complete the transaction. 
I paid the full amounts owed to everyone and went to pick up my car. The tow company XXXX in XXXX, CO did not print me a receipt of payment, I was informed they could not print. I retrieved my car which had significant damage on both the driver back door XXXX and the passenger bumper. 
Immediately I informed the lot clerk, who pulled up the pictures of my vehicle when they picked it up on XXXX XXXX. I stood behind her and took pictures with my cell phone, clearly the there was no damage in the photos on the computer, proving they lot or drivers had done the damage upon repossession. 
I asked fora copy of the photos, which I was denied. The owner XXXX, asked to speak to me on the phone, he told me I was " confused '' and when I protested he yelled " XXXX and let me talk '' At which time I called XXXX Police Dept. who sent XXXX officers to assist me and take note of the damage, the verbal confrontation and the photos displaying on the computer showing no damage. 
The police informed me the owner would prefer me take the vehicle to a repair shop and " send him the bill '' rather than give me his insurance information. 
I refused the offer and requested the insurance information for a claim. 
Consent to publish the description of what happened? Consent provided Product Vehicle lease Issue Problems when you are unable to pay
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

keep getting calls on my cell from some one saying they are American Express regarding a loan application- have no loan application, have receeived 12 calls from XXXX. When I call they want me to give them my SSN.
Product: Payday loan, title loan, personal loan, or advance loan

I had banked with Penfed for many years and had opened a few different credit accounts with them as well. The issue began when I became XXXX  on a continuous basis and asked them to work with me on payments. Numerous times I asked for a deferment, explained my hardship and asked to see the original contract to see if there were any protections in place, due to XXXX. I was ignored every one of those times, the balance continued to grow and gain interest and my account was closed. Though the account was closed, they are still adding interest. This comes after years of good standing with the institution, without even as much as an overdraft in my checking account. I am a XXXX XXXX XXXXXXXX Veteran and am suffering XXXX XXXX XXXX that is impacting my life significantly. Considering the pride Penfed suggests they have in their relationships with Veteran 's, I surely expected some sort of results when seeking help. But I was never sent an original contract to see my rights, I was never offered a deferment or hardship and instead I was just thrown away as a bad debt. There must be laws in place to protect Veteran 's like myself whom become completely XXXX and face the hardship of inability to pay. This information should have been provided, instead of requests ignored.
Product: Student loan

I received a forberance on my loans last spring. XXXX 2016. When i saw i was recently reported the last few mths for non payment i contacted the Fed Loan Servicing center and my info was not entered correctly on the fed loan side. The women i spoke with stated shefixed the error and suggested i file a dispute. They will correct the statemenr of multiple late payments.
Product: Debt collection

I was called on XX/XX/XXXX from XXXX XXXX XXXX, a person claiming to be in the legal dept named XXXX XXXX. XXXX stated I owed a debt to XXXX XXXX for a credit card I opened in XX/XX/XXXX, and if I did n't pay it they would sue me for wage garnishment or put a lien on my house. She stated they mailed a settlement letter to my home, which I did not receive, I confirmed they have the right mailing address. She stated the debt first became past due in XX/XX/XXXX. I told her the statue of limitation is up and that I do not believe I owed this debt. She stated that she would send it to an attorney in my county and they would sue me the debt. When I told her I would wait to speak with my attorney, she began yelling that I owe on many credit cards and that they are all at their limit and I was going to pay the debt whether I agreed with it or now. She then hung up on me. I called back to try and reach her and ended up speaking to a woman named XXXX who rudely asked me what I wanted when I asked to speak with XXXX in the legal dept. I stated we were speaking when XXXX hung up on me and I just wanted to know why they were trying to collect on a debt that was almost 10 years old. XXXX said they acquired the debt in a federally regulated sale back before the statue of limitation was expired, and recent XXXX had done an audit and requested that ARA pursue this debt again. XXXX stated that because the debt was bought before the statue of limitations was up, they had the right to keep collecting on the debt until it was paid or they decided to sue me.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I noticed some fraudulent accounts. Please delete these entries from my report, as they are stopping me from getting credit. I do not recognize these accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$670.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} Account Name : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00}
Product: Student loan

My account was not available to be addressed until  Navient  transferred my account to  XXXX   XXXX   XXXX  a month after the original default date. I was not able to have any questions answered by either  Navient  or  XXXX  during this time. The customer service agent I have been assigned to  ( and there is no other agent available ) is extremely rude and disrespectful and said that he would hang  up on me. On the day that I was able to fax my information in to create a repayment plan, the obstacles that  XXXX  representatives posed were completely unreasonable. They did not give all the information that I needed and told me that there was no way that my account could be serviced fully on that day as " everyone had already gone home ''. This was a lie. After faxing my information TWICE ( once in the morning and once in the afternoon ) and having calle  XXXX  over  ten  times that day to speak to the supervisor  XXXX   XXXX   XXXX , we finally got our agreement made with a different supervisor (  XXXX   XXXX  who had told us that our cause was essentially hopeless. It seems as though we have to ask the right questions to get the answers that we needed and they were completely unhelpful. We believe it was their goal to have us become disheartened after how difficult they made the process so that we would give up and then have to be responsible for more fees and a 24.34 % interest rate hike on my account. They sent me the paperwork for the account in an undated envelope that was past the five day window required by law, and when I called them to discuss it on the  XXXX  of  XXXX , I could not reach anyone during their business hours. I called  16  times. I called today  XXXX   XXXX   XXXX ,   XXXX   ) to confirm that  XXXX  had recieved my borrower repayment agreement, and twice I could not reach anyone. Only when I called from my husband 's phone  XXXX  the supervisor told me previously that they know immediately who is calling as a screen pops up and gives them all the information of the " client '' whenever I call  )  did they answer me. They behave in a ridiculously unethical manner and should be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry from XXXX  XXXX that I did not initiate on XX/XX/2022 for some credit I assume. I didnt do this
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( 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. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had what Associated Bank refers to as a Credit Builder account. Which was essentially a CD I paid monthly that they reported as a secured loan on my credit report. This account was opened in XX/XX/XXXX with a term of 24 months. 

In XX/XX/XXXX I made an early final payment in the amount of {$340.00}, which paid off the account six months early. As of today, XX/XX/XXXX, Associated Bank continues to report this account 's current status as 30-days past due on my XXXX  and TransUnion credit reports. After disputing this with the bank, they advised that that payment for XX/XX/XXXX was late ( also in dispute ). Regardless if XXXX 's payment was 30-days late, my pre-payment for the remaining balance immediately brought the account current. Which is why the account is now closed. It has been reported as " currently past due '' for over three months now. Please note for clarification that I am not referring to the tradeline 's monthly payment history. I am referring to the " Current payment status '' of the account on both above mentioned reports which should reflect it's current status. 

I have attached three files to support this complaint : 1. Screen shot of this account on my XXXX  report ( file labeled respectively ).

2. Screen shot of this account on my TransUnion report ( file labeled respectively ).

3. Copy of email from Associated Bank confirming final payment ( file labeled respectively. Note that date the email was sent ).
Product: Credit card or prepaid card

In XX/XX/XXXX opened credit card ac. w/ Home Depot ( XXXX XXXX ) Store in XXXX . PA. 
I arranged for payment through my electronic bill payer with XXXX XXXX XXXX. 
On or about XX/XX/XXXX received 1st billing statement. Due date XX/XX/XXXX Bank records show payment was made in amount of {$5.00} on XX/XX/XXXX XX/XX/XXXX received late payment notice with fees assessed. 
XX/XX/XXXX Sent ltr. to Home Depot Credit Card Serv. with copy of negotiated bank check by Home Depot. Ltr. sent after several call to the Credit Department. 
Began receiving delinquent notice telephone calls from collections agents ( several ) daily. 
XX/XX/XXXX Received ltr. from H-D Credit Services acknowledging receipt of my payment and that payment should have been credited previously and that it would be immediately credited to account. 
01 thru present continue to receive late notices with {$2.00} charge each month. 
Negative entries have been sent to credit reporting agencies affecting credit score Credit Score of over 800 was down to XXXX as of XX/XX/XXXX. 
No other negative activity has occurred with any other creditor.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and noticed that I have Inquiries on account ( s ) that I do not recognize nor do I hold accounts for. I have kept a respectable credit portfolio prior to this and I am afraid this will prevent me from any future credit opportunities. This is an inaccurate reporting on my credit report and Consumer Reporting Agencies have a responsibility to report information to the best of their ability with maximum accuracy. I called these lenders and they could not confirm with me the legitimacy of these inquiries and I asked them to have them removed but they informed me this is the only way. I have tried to resolve this numerous times by beaching to both the creditors and the Credit Bureau. These inquiries I want removed are : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE, CAPITAL ONE XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE CAPITAL ONE XXXX XXXX XXXX CAPITAL ONE CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE CAPITAL ONE 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 XXXX Please investigate and provide proof with statements showing that these inquiries belong to me. If proof can not be provided I demand that these accounts be deleted from my Credit Report Immediately.
Product: Prepaid card

I was issued a citi prepaid card by the XXXX to remit my tax return. When I registered the card no details are provided on ACH fees - or any fees even as the user agreement forces agreement to the fees. The disclosure indicated a link to said fees would be provided but none was. I searched the site and elsewhere online thoroughly and found none. I called the customer service line and no option to speak with a customer service representative was provided, only limited automated service. Considering this is my money provided in a format I did n't approve, at least I could be provided clear terms and adequate service given Citi is earning returns on my float and potentially vendors where I will be forced to use the card as direct transfer to my bank account has unclear financial fees. I 'm highly irritated and should be able to access my own funds more easily.