23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have a judgement on my credit report with Experian from XXXX County District Court. The judgement has been paid and I have been issued a " Certificate of Cancellation of Judgement '' signed by both the Clerk of Court for XXXX County and XXXX XXXX who is the attorney for the plaintiff ( XXXX for a student loan ). I have sent the copy of the certificate to all reporting agencies. Experian will not remove it. There response is that it is showing " Paid ''. I could understand that if I was simply giving a receipt showing that it was paid. However, if I have documentation from the court showing that the judgement has been cancelled, why would they refuse to remove it from my credit file. The judgement is set to be removed later this year anyway. However, I will be receiving my XXXX XXXX XXXX in XX/XX/XXXX and will be job searching. I would like for this to be removed prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights. 
15 U.S.code 1681 section 602 A, A ( 4 ) states that I have a right to privacy.

Also 15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I have been applying for forbearance with Freedom Mortgage for the past XXXX months ( since XXXX XX/XX/XXXX ) ; they have been jerking me around and telling me something different every day. When I finally get ahold of someone on the phone, they tell me to re-send the documentation and they will process it ; to no one 's surprise, they reject the paperwork without any reasoning or explanation so I call them again and the cycle repeats. they also flat-out lie about trying to contact me ; to this day, I haven't gotten a single call or a voicemail from them, other than one letter in the mail stating I needed to contact them again. 
I just found out today, XXXX XX/XX/XXXX, that allegedly there is a template that I am to submit. Why has this not been communicated to me before? and why do I still not have the template after they promised they would send it within 30 minutes? I have looked through their website and online everywhere and I can not find the template. When I explain to them that I am unemployed and I can not afford to make the payment, they threaten it will affect my credit. That is the whole reason I am applying for the hardship in the first place. I need Freedom Mortgage to process my application to move this process along.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I canceled service with XXXX XXXX XXXX XXXX, and was required to return XXXX boxes via XXXX. The boxes were returned, several months later I was advised by an XXXX XXXX XXXX Customer Service Rep that I had a past due balance due to unreturned boxes. I disputed this information, provided the location of the XXXX store that the boxes were returned to ( as per XXXX XXXX XXXX 's explicit instructions ), and the date of return. Upon following up with the company a few days later, I was advised that the charge for unreturned boxes would be removed from my account. 

Instead of being removed, this balance was sold to Afni, Inc. I noticed this balance on my credit report initially in XXXX. I disputed the amount as it was incorrect, and the report was removed. Afni, Inc. reinstated the charge on my credit report in XXXX fraudulently as a " new collection '' ( so that the credit bureau was not required to advise me of the reinstatement ), for the exact same amount due as the previous account ( {$970.00} ). I again disputed the charge as it was incorrect, and the report was removed from my credit report. 

In XX/XX/XXXX, Afni, Inc. fraudulently reported this same collection account to the credit bureaus for the third time, although it has been disputed and removed twice from my credit report thus far as it is incorrect and the balance is not owed. Again, the company fraudulently reported this as a " new collection '', citing that the account was " Opened XX/XX/XXXX ''. 

The practices of this company are horrific. First, not only was the balance reported incorrectly as my boxes were returned and I did not owe a balance, but even after being disputed and removed, the company continued to attempt to collect on an account that they knew was incorrect, aggressively reporting it to the credit bureaus as a " new collection account '' on multiple occasions and masking their tactics by disclosing a fraudulent " opened '' date, in an effort to collect a falsified debt. 

I would like this mark permanently removed from my credit report immediately, and assurance that it will not reappear as a " new collection account '' with a new reported " opened date '' of the company 's choosing, at a later date. 

Company in question : Afni, Inc XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Collection : XXXX XXXX XXXX XXXX Amount : {$970.00} Fraudulent " Account Opened '' date : XX/XX/XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX a stolen and fraudulent check was cashed in my wife 's name from our joint Citizens Bank checking account for {$800.00}. I immediately alerted the company through their 1-800 number, and let them know that a police inquiry had already been opened because our car was broken into the prior day. The check book was frozen and the bank charged us {$35.00} to get a new checkbook. We were told we would have to wait up to 10 days to hear back. 

I called the police detective of our open investigation and alerted him of the fraudulent transaction, as well as sent him a copy of the checks and the criminal 's photo ID. 

Later that month we received a letter ( dated XX/XX/XXXX ) that the investigation into our stolen money had been closed because the signature " appears to match other items that have been paid on your account '' despite the criminal having been arrested with the name our check was made out to. This criminal also attempted to cash a check from my personal XXXX XXXX XXXX bank checking account for {$800.00}, however this superior institution called me to confirm the transaction was accurate. 

We contacted Citizens Bank again, and we were told we had to obtain a police report to have our case reopened. The police rejected our formal request for this document, citing the ongoing investigation. We have again reached out to Citizens Bank but have not heard back after several weeks. 

Throughout this whole process we have been met with poor customer service, long waiting times, and frustrating inaction. This is not a trivial amount of money and we hope this situation can be resolved soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an item on my credit report that I believe is inaccurate. Upon reviewing my credit report, I was surprised to find this account listed as negative. After conducting a thorough review, I discovered that this same account is not reported as negative with other credit bureaus, such as XXXX and XXXX. This discrepancy raises serious concerns about the accuracy and reliability of your reporting.
Product: Checking or savings account

XXXX XXXX XXXX XXXX IL XXXX Account was closed in XX/XX/XXXX, after numerous calls, funds were to be sent by check to my residence. 
Check of {$730.00} was sent via mail last year, never received. 
XXXX cancelled the check after several calls and resent a new check. No check received. 
They cancelled this check and said another check would be sent. Never received. 

On XXXX, I called them again, to see what was going on. 
They claimed that another check was sent on XX/XX/XXXX. 
Again check never received, at my current address. 
Now they are cancelling that check as they did in XXXX. 
My account is closed and they wont let me access it. 
After these XXXX attempts for a check to be sent, I am filing a complaint.
Product: Credit card

Macy 's Card Services customer service makes it almost impossible to pay my bill in a straightforward manner ( unless I paid in person at a store ). I have been unable to successfully obtain my credit information through my online account for the last several months in order to see a statement, pay a bill, or review purchases. *As a side note, although I have changed/updated my address to reflect a new location, this did not trigger in their system on XXXX side and information goes to another address ( happens to be a relative of mine - thankfully. I am concerned about their ability to maintain PII in check/identity theft concerns ). Furthermore, I requested over the phone to receive paper statements after having gone paperless previously in order to send in a check each time. I did not receive a paper statement consistently. Both the tech side and customer service side of Macy 's was unable to completely resolve the issue and hence, why I am writing to the CFPB. If the website were my only concern, I would not write this complaint ; however, here are several of my other concerns : 1. Customer Service line is busy each time I have called and eventually, the line goes dead or it states that they are too busy to answer the call and the line hangs up. The only instance where this does not occur is if you call collections ( how convenient for them ). I have never intentionally missed a payment on any card and the experience is less than favorable. 
2. When I requested to speak to a manager/supervisor or person with authority on several occasions, I was either denied or my request was met with a considerable amount of attitude. Only once was I able to get through to a collections supervisor who realized my issue was due to my inability to get through to the technical services department for website issues. 
3. When I asked to close my account and cancel the card, the rep asked over XXXX times if I wanted to cancel. This is an overt attempt to keep the card open after repeated requests to close. 
This frustration is probably felt by others and could be detrimental in multiple ways.
Product: Mortgage

On XX/XX/2021, I made my regularly scheduled mortgage payment via phone to XXXX XXXX ( the current mortgage servicer at the time ). I received a payment confirmation number of XXXX for my payment of {$1700.00} at that time. 

As of XX/XX/2021, servicing of my mortgage was transferred to PHH Mortgage. I was assured at the time that there was a 60 day " grace period '' where I would not incur any late fees, penalties, collection calls, or negative marks against my credit, and that my previous mortgage servicer ( XXXX XXXX ) would transfer any payments collected over to the new mortgage servicer ( PHH Mortgage ). 

I tired to contact XXXX XXXX ( the old servicer ) multiple times on XX/XX/2021 and XX/XX/2021 but was only able to get to their automated system - no real humans were apparently available to talk. I followed up by contacting PHH Mortgage ( the new servicer ) on XX/XX/2021 at XXXX XXXX  and discussed the matter with one of their representatives. This is when/where I was assured that there would be no issues with the XX/XX/2021 payment being transferred to the new servicer, as mentioned above. I was told it may take 1-2 weeks for the payment transfer to occur, but there was nothing further I needed to do about it.

Today ( XX/XX/2021 ) at XXXX XXXX, while at work, I received a collection call from the new loan servicer ( PHH Mortgage ). They informed me that they were calling to inquire about my past-due outstanding balance on my account ( the XX/XX/2021 payment made to the old servicer as outlined above ). I recapped all of the above information with the PHH Mortgage representative that called. They advised that they would notate my account with that info. 

The next issue coming from all of this is that I now can not properly make my XX/XX/2021 mortgage payment through the PHH Mortgage system, because they are currently showing my account as " past due '' with a total balance of {$3400.00} due for XXXX. PHH Mortgage informed me that if I try to make my regularly scheduled payment of {$1700.00} they would count it as a " partial payment '' towards the {$3400.00} they show as being due, and that I would actually need to pay the full amount shown in their system to be considered current. This is in direct conflict with the information provided by the PHH Mortgage representative that I spoke with on XX/XX/2021. 

I am not a person who pays their mortgage payment late. I am always on time - typically early. I need XXXX Lending to forward my XX/XX/2021 payment to PHH Mortgage immediately, and for PHH Mortgage to correct their issue in this matter, and allow me to make my XX/XX/2021 payment as normal. The XX/XX/2021 payment is an issue between PHH Mortgage and XXXX XXXX that I have no control over. 

I expect to receive NO ADDITIONAL COLLECTIONS CALLS from either mortgage servicer on this matter. Perhaps PHH Mortgage should be making their collection calls to XXXX XXXX instead ....? 

I appreciate your help with this matter. Please feel free to contact me should you need additional information.
Product: Credit reporting or other personal consumer reports

The following corporation Discover Bank, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX is reporting income to the top three credit reporting agencies, XXXX, XXXX, and XXXX. Income is not part of any XXXX, XXXX, or XXXX credit reports. This needs to stop immediately. 
According to XXXX 's own web site It states ( see provided upload ) " Your credit history does not include income information. And according to the IRS web site publication 525 and 4681 ( see provided uploads ) The IRS clearly makes it known that 1099c is to be considered income. And as such income is not and can not be a debt therefore income can not be reported to the credit reporting agencies. I have uploaded the proof of income 1099C along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. Discover Bank, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXXXXXX must remove delete all income from being reported to my credit reports In summary it is abundantly clear to all parties that the IRS considers 1099C cancelled debt to be reported as income and accordingly the credit reporting agencies as well as Discover Bank, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX  themselves should not be reporting income. See below more clarification regarding the fact that income can not be reported to the credit reporting agencies, ie 1099c being income to be reported on tax returns
Product: Credit reporting or other personal consumer reports

The following inquiries were made without my authorization and are in violation of the Fair Credit Reporting Act ( FCRA ) : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These public records were not reported to the Credit Bureaus as stated in the attached letters from the Federal Courts that housed the case ( s ) in question. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX I have sent NUMEROUS letters to the bureaus requesting their removal with provided documentation. 

Their refusal to remove with the evidence provided proves they are intentionally preventing me from having an accurate credit report. 

I request that this information be blocked and removed immediately.
Product: Debt collection

XX/XX/2019 my husband received 4 letters from Kramer & Frank addressed to him in regards to medical bills from XXXX XXXX XXXX that are in my name and not his. I am the primary on the insurance and he did not sign to be responsible at the time of medical visits. Letters included the following amounts : {$310.00}, {$220.00}, {$490.00}, {$160.00}. My husband is not responsible for the debt, the insurance is mine through my employer, and the FDCPA states that Kramer & Frank can not disclose this information to my husband.
Product: Mortgage

I sent a payment via negotiable instr ument ( p romissory note ) which is legal tender according to th e 1912 Hague treaty and the U.C.C. laws of the United States. To Nations Direct Mortgage/  XXXX  for full payment of mortgage on my propery. This institution accepted and received payment which is acknowledged in the letter that I have attached from them in this complaint. They were at that time only asking for the intrest that accrued from the time of reciept of instrument to when they recieved payment from Treasur y Dept.  That letter was also responded to and another negotiable instrument was issued to cover that amount.  Nations Direct  Mortgage is in violation of the terms of the note. They did not notify me that they recieved it within the 3 day period alotted by law. Aft er three  days, law states that the prommissory note is accepted. And the debt in question should have been released. This institution is still trying to collect on a paid debt. They have no more claim to  XXXX   XXXX   XXXX   . Th ey are to cease all collection action and release the lean on the propery. For your reference I have attached copies of the notes sent with all quoted  U.C.C. la ws on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review my attachments, this is not a 3rd party. 

XXXX XXXX XXXX is reporting inaccurate information and in violation of several laws under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company agreed to remove account from all credit reporting agencies if I would pay the account in full which I did. They are still report the status of the account as charge off. I had no knowledge of this account due to ex spouse and when I found out I called the company to pay IN FULL for the company to remove from all credit reports which they have not done and they still reporting negative information that is inaccurate. I have called this company numerous times and keep getting the run around. Please help me!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2024 I reported to Western Union that my personal email address had been used to create an account that I did not authorize or create. I received a case number and and email from Western Union showing the account under my personal email address was deactivated. I also reported my mom 's personal email to them because the email I received showed her name on it. I was told there was no account under her email, just mine. I thought this would be the end of it. 

On XXXX XXXX, I received 8 emails from Western Union to my same personal email address. They showed the account was reactivated, the profile changed, and a money transfer had been completed. I called Western Union again and had them deactivate the account linked to my personal email address for a second time, but not before someone had used it to wire {$3400.00} out of my mom 's checking account. Western Union is now claiming that on XXXX XXXX, they deactivated an account linked to my mom 's email address rather then mine. I have email to my address showing that they deactivated the account I reported. Either way, they claim they are not able to refund the stolen funds. 

Though my mom 's bank has agreed to refund her the loss, I am making a complaint against Western Union for complete and total incompetence and failure to act on a fraud claim. My mom and I are not Western Union customers nor do we plan to be. I stated as much during my first call on XXXX XXXX, and that any activity pertaining to our email addresses and names should be shut down. They failed to act on that. If Western Union can't provide better protection to consumers, especially when they had a warning, they should lose their license to transact business.
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was included in my Chapter XXXX Bankruptcy that was discharged. I gave the accurate information to the company, JHPDE FINANCE I , LLC, called them and told them, called and sent the information to XXXX, and the account still is on my account as a " Collection Account. '' The debt buyer is claiming an OPEN BALANCE of {$5000.00} from the original debt they bought. However, the balance was DISCHARGED in my Chapter XXXX Bankruptcy and I DO NOT OWE that debt. JHPDE FINANCE I , LLC is reporting the balance as an open Collection Account that I owe to them in the amount of {$5000.00} from the original debt that was discharged. I told them this and to verify it has been discharged and sent them proof and they still report it. 

The XXXX cards and accounts I had have ALL been discharged through my Bankruptcy, and as a result should NOT be showing as a collection account. 

A debt buyer bought a XXXX account that was discharged in XXXX, but they are claiming the account as unpaid and open as a Collection Account AFTER my XXXX discharge. This is incorrect and needs to be REMOVED. 

ALL of my debt was DISCHARGED in the XXXX, including this account.