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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This account was erroneously placed in a 3rd party collection. The debt originated with XXXX XXXX XXXX  for {$1200.00} ( I will attach the original invoice ). I am attaching proof this account was paid in full to the original creditor on the date on the XXXX receipt which was XX/XX/2023. This account was paid IN FULL before it was ever sent to collections to XXXX XXXX XXXX. I have written the creditor twice and they responded that the debt is " verified '' and owed by me ( I am also attaching ) and the amount they claim I owed originally on my credit report 7 months ago, matches what I paid to XXXX XXXX XXXX/what is on my XXXX receipt ( who I purchased the money orders from ). After writing XXXX XXXX and disputing for months with the XXXX credit bureaus XXXX, Equifax and XXXX, the account was removed from XXXX due to its inaccuracy. The amount owed under this account has changed from {$1800.00} to now {$650.00}. This amount was inflated from the alleged start with XXXX XXXX XXXX. How has the amount owed even decreased from {$1800.00} 6 months ago to {$650.00} now when XXXX activity has been made under this account with this creditor. This error proves the company to be fraudulent and in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Acccout # XXXX has violated my rights. 

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: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$600.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Owed : {$0.00} Chapter XXXX XXXX  XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX IN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$600.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance Owed XXXX {$600.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

LVNV FUNDING LLC # XXXX is violating my consumer rights by reporting negatively on my credit report. 

This is a direct violation of my consumer rights!! They are debt collectors not licensed in the state of Florida  to collect debt, I've asked accounts to be removed by both credit bureaus and LVNV FUNDING LLC both have failed to removed the erroneous account from my report. 

This is my last and final warning before legal action is taken and LAWSUIT will be filed for violating consumer my rights. 

I'll also be reporting them to the FDCPA as well.
Product: Credit card

XX/XX/year> requested a balance transfer from Citibank Double Cash Master Card {$850.00} to my XXXX XXXX XXXX. XXXXXXXX XXXX app showed the payment was duplicated removed duplicated and again and again. Its now XXXX. I have spoke with numerous account managers. XXXX said they needed REVERSAL TRANSMITTAL REPORT, Citibank said they don't do that. But provided Customer ID and Trace ID. 

Citibank provided two Balance Transfer Confirmation for that date with the same DATE, CUSTOMER ID and TRACE ID. One states {$850.00} the other states {$8.00}. 

Neither Company will help to resolve this issue. Now my XXXX account is over the credit amount and my Credit Score dropped over XXXX points yesterday. 

I need resolve! Someones books did not balance XX/XX/year>. Can we please find out where the mistake lies and correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report shows an account listed as XXXX XXXX, in which account validity is still being verified, then once placed in collections which XXXX XXXX XXXX, the same account XXXX XXXX account is listed as XXXX XXXX. There is no consistency in the listing of the company name and one or the other should be removed.
Product: Credit card or prepaid card

On XXXX XXXX I called Capital one to verified I can make a payment using a prepaid debit card. I was told by the representative as long as there was an account number and routing number I would be able to use the card. The next day XX/XX/XXXX I called Capital one back to make a payment. The representative verified while on the phone with a XXXX banking rep, my account number, the routing number and clearance of the total payment. 

On XX/XX/XXXX I find out the payment has been returned. I first called XXXX to find out what happened and they told me the payment never came through. I then called Capital one and the rep. tell me she was not sure why the payment was returned. I then proceed to make the same payment using a different bank account. That payment was cleared the next day so I didn't think too much about it, just thought I couldn't use a prepaid card anymore. 
The day after XXXX I went to use my card and find out it had been closed. After talking to countless representative on serval different occasion. After hours on the phone trying to get this resolved, I finally get an account manger who tell me that they gave them the wrong routing number. The number that was giving was the number to process deposit to the card and not make withdrawals. I do not work for Capital One nor do I work for XXXX XXXX. This is not my fault. I had no ideal there are two different routing number for prepaid cards.

The rep stated that she would request that the card be reopened but there are no guarantees. This could take up to three weeks to process. This is unacceptable. I have had this card for over a year I use it to help with credit building and to help me in between paychecks. Me and my family depended on this card.
Product: Debt collection

Hi, Today, Wednesday, XX/XX/XXXX, I received a collection notice for a XXXX XXXX XXXX for the amount of {$29000.00}. This notice is from a collection agency, Municipal Services Bureau ( hereinafter referred to as MSB ). 

I filed a complaint on XX/XX/XXXX against MSB for sending collections to my residence at XXXX XXXX XXXX XXXX XXXX, Hawaii for A XXXX XXXX XXXX for the amount of {$1400.00}. 

This is the 3rd collection notice I have received from MSB at my address for the wrong person. The first notice was for a XXXX XXXX XXXX ( now deceased ) and the second and now third time for a XXXX XXXX XXXX. 

I filed a complaint with your agency on XX/XX/XXXX which was readily handled and I received an apology from MSB and they claimed that my address would be permenantly removed from their consumer record. 

This continued inept handling of collections by MSB is becoming tiresome. It is a hassle for me to keep addressing this issue over and over again. The system they use to track people known as the " skip trace system '' is definitely flawed as it continues to attach my address to other people named XXXX XXXX who do n't even reside on XXXX. I may contact an attorney if this XXXX continues. 

I would greatly appreciate your help again in contacting MSB to resolve this issue. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hawaii. XXXX
Product: Mortgage

Our mortgage banker lied to us about processing times, and was shady about our interest rate. Dropping it a full 1 percent when we engaged with other lenders just ot keep us working with him.
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 XXXX XXXX closed my account in the amount of {$710.00} and reported it to the consumer credit reporting agencies as " charged off ''. Since then, I have not yet received the 1099-C form for a Cancellation of Debt for this item. I am requesting again that this be removed from my credit report and to send me the 1099-C that I am entitled to. This has put a major ding on my credit report and needs to be taken care of.
Product: Credit reporting or other personal consumer reports

There has been an identity theft going on with my Equifax credit report as someone tried to apply for a credit card with a banking institution called " XXXX XXXX  '' on XX/XX/year> using my SSN and other details without my consent or knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, This complaint is in regards to the latest credit report as of XX/XX/2022 and my name showing as wrong - please see attached for : - my drivers license - my social security card - my address- my written complaint - screen shots on report where it shows up as wrong Please get rid of all wrong/inaccurate name variations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XXXX : UNAUTHORIZED INQUIRIES XX/XX/XXXX Letter Credit Bureau XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX at XXXX XXXX  on XX/XX/XXXX.
Product: Mortgage

XXXX is making payments on our behalf to Ameris Bank. To date, they have made 3 payments in the amount of {$1100.00} each time. Ameris should have three payments that should be forward to our new loan servicer which is XXXXXXXX XXXX Even though we have updated XXXX multiple times, they still pay Ameris Bank which no longer holds our account. There should be a refund of three payments which should be transferred to XXXX. I have made multiple attempts with both XXXX and Ameris to rectify this situation and they state payment has not been received. 

Ameris Bank was the service for XXXX and then it was transfered to XXXX thereafter. Ameris Loan # XXXX Current provider is XXXXXXXX XXXX XXXX XXXX. 

Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to have this company removed from my report for quite sometime now. I've spoken to Credit acceptance on several occasions where they verbally agreed to have themselves removed from my credit report. This account has been paid in full and is closed since 2021 and yet it remains on my report. Ive been disputing this with the credit bureau 's as well and they intend to keep this on my report for 10 years. im currently trying to get funding a new home and the lenders are refusing to fund me because of this matter. I am XXXX XXXX XXXX that means id have to wait until im XXXX to get some kind funding. this isn't fair and I need this removed.
Product: Credit reporting or other personal consumer reports

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 I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : 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 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 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 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 I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 

Thank you for your assistance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and XXXX XXXXhat affects every aspect of my daily life. The XXXX  impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.
Product: Credit reporting or other personal consumer reports

"

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. I recently reviewed my consumer report and noticed an
incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

"
Product: Mortgage

I bought my home in 2019. It was a fixer upper. It appraised for {$240000.00}, and I took out a loan for {$200000.00}. I put over {$60000.00} into the home and had it re-appraised at {$320000.00}. I submitted my appraisal and a request to remove my escrow account to my loan servicer, SP Servicing. They are denying my request because they are calculating my Loan to Value from my original loan amount ( XXXX ) vs. my current loan amount ( XXXX ) and NOT using the paid appraisal that I ordered out of my own pocket. They are trying to say that my loan is over 80 % because XXXX/XXXX is more than 80 %. It should be {$200000.00} ( current loan amount ) / {$320000.00} ( current proven appraisal ). I've been fighting with them for over a month to get this done, and all they do is give me the run around and no answers, or a denial. They are using false data to create numbers that are not accurate on my account. Also, they applied an escrow only payment to my principal balance forcing me into an escrow shortage. I had to fight them to re-apply funds correctly - and I'm still paying the escrow shortage. I've also been told by their customer service team that I can " Just pay my principal and interest only '' on my loan a not my full amount every month. This would cause me to have a monthly shortage and cause me to go into default. This is BAD information to be giving out to the general public when it's FALSE information!!
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX, I looked at my credit report, On XXXX XXXX I XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX sent a letter to EXPERIAN asking them to reinvestigate this Accounts : XXXX. ) XXXX XXXX XXXX XXXX  Acct # XXXX XXXX. ) XXXX Acct XXXX : XXXX On XXXX XXXX ( EXPERIAN sent me back their investigation and said these accounts are complete and accurate. ) AS OF TODAY, XXXX XXXX, I looked at my report and notice these accounts are still the same!!! 

And according to 15 USC 1681i 5, they are suppose to do this ( 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 APPROPIATE, BASED OF THE RESULTS OF THE INVESTIGATION ; AND ( ii ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE INFO HAS BEEN DELETED OR MODIFIED FROM THE FILE OF THE CONSUMER. 

AND ACCORDING TO 15 USC 1681eb THEY ARE SUPPOSE TO ENSURE THIS ( b ) ACCURACY OF REPORT. 
WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL.. FOLLOW REASONABLE PROCEDURE TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

AND ACCORDING TO 15 USC 1681 s-2 THIS OS SUPPOSE TO HAPPEN ( 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. 

( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS. 
A PERSON SHALL NOT FURNISH INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF- ( i ) THE PERSON HAS BEEN NOTIFIED BY THE CONSUMER, AT THE ADRESS SPECIFIED BY THE PERSON FOR SUCH NOTICES, THAT SPECIFIC INFORMATION IS INACCURATE ; AND ( ii ) THE INFORMATION IS, IN FACT, INACCURATE. 

EXPERIAN really DID NOT reinvestigate. THEY LIED ON AN OFFICIAL DOCUMENT SAYING THEY DID SOMETHING THEY DID NOT ACTUAL DO AND I HAVE ENOUGH EVIDENCE TO PROVE MY CASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, this account is not mine. The address reported in my file is not my legal address. 
XXXX XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022
Product: Credit reporting or other personal consumer reports

You are reporting the wrong balance for account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. The original creditor provided verification via XXXX, and I have attached their correspondence to this complaint. You are also reporting the incorrect payment history for this account. How can XXXX bureau report a status of 'OK ' while another report it as 'CO '. This is a violation, and this account is to be removed from my credit report immediately. I do not owe this collection anything, and the balance they are reporting does not match that of the original creditor.