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

XXXX is falsely reporting a paid off account 's status as currently in collections/charged off/referred to collections when the actual current status is paid. 

The current payment status for Closed and Paid account # XXXX was being erroneously reported as 120+ days late with TransUnion and XXXX so I disputed it since the account was paid in 2016. In response, XXXX recently maliciously changed that 120+ late status on the paid account to currently a BAD DEBT IN COLLECTION/CHARGED OFF to get my much better credit score to immediately drop from the supposed " new delinquency '' when it should reported as PAID/SETTLED. 

XXXX is attempting to keep the false Current Payment Status on my credit reports as negative as possible while placing the actual current status that it was paid /settled collection way down on the report as a comment/note/remarks section instead of correcting the Current Payment Status to PAID/SETTLED FOR LESS THAN BALANCE. Accurate reporting is required under the Fair Credit Reporting Act 5 U.S.C. 1681 and that means a certain level of above board transparency about what the current status of the account is. No money is due or has been due for 2 1/2 years now and never will be again, yet they are pretending that the current status of the account field is for stating what had happened with the account instead of its actual current disposition. This is illegal. 

Instead, XXXX continues to reporting the CURRENT PAYMENT STATUS as a CURRENT BAD DEBT REFERRED TO COLLECTION, IN COLLECTION/CHARGEOFF or as CURRENTLY 120+ DAYS LATE, which is inaccurate and in contravention of the requirements of the Fair Credit Reporting Act 5 U.S.C. 1681. The account is not currently a bad debt, in collections or referred to any agency because it was settled and paid. This error needs to be corrected immediately. 

I am requesting that this item be either deleted or adjusted to accurately reflect that the CURRENT PAYMENT STATUS is PAID or SETTLED in order to adequately reflect my true credit history and final disposition on the affected TransUnion and XXXX reports. 

Both of our records ( mine and XXXX 's ) reflect that this account was PAID/SETTLED in 2016 and that the title of the vehicle was released to me free and clear. The vehicle was later sold with a clean title and I have records of the bill of sale. 


***Documents Attached*** - Not for Posting Examples from credit reports of how XXXX is falsely reporting my paid account # XXXX on my credit reports. 

On TransUnion, XXXX changed the false report of it being currently 120+ days late to a Current Payment Status of " in collections/charge off. '' On XXXX, XXXX reported the Current Status as a current Charge Off/Referred to Collections making it appear new
Product: Credit reporting, credit repair services, or other personal consumer reports

Prof Credit XXXX : This debt is currently being reported in a violation of the Bankruptcy Law. This debt is currently updating each month on my credit report and affecting me negatively. This was included in my Bankruptcy and is no longer valid to report on my credit file.
Product: Credit reporting or other personal consumer reports

Want all reported items removed and item previously removed removed again permanently
Product: Checking or savings account

XX/XX/XXXX I believe I cashed the check that Ive always cashed and then I dont {$160.00}. I was told by the bank that they were unable to verify the check I was re-issued the check and the bank told me they closed the account XX/XX/XXXX I think and I owe them {$140.00} at first. It was {$110.00} and Im being accused of fraudulently cashing a check and thats not accurate not true
Product: Debt collection

Landlord at Apartment complex didn't like me so false move out charge were put on my record i filed a complaint with HUD and judgment was in my favor to have charges removed I have been contacting XXXX, XXXX, XXXX  and the Company IQ Data whom all have received correspondence from HUD and the Attorney for the property regarding this bad DEBT that is Hurting my CREDIT Items have not been removed and its been almost 2 years that i have been trying to get these negative amounts removed. I am not responsible for these false charges.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  violated law 15 U.S.C.1681 ( A ) ( 2 ) ( A ) ( I ) reported a transaction on the date of XXXX XXXX the amount was {$6100.00}. XXXX XXXX XXXX XXXX has violated 15 U.S.C. By reporting closed account approximately date of XX/XX/2019. Amount was XXXX owed. According to " FCRA '' 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ), except for provided in paragraph 3 the term " consumer '' report or does not include reports containing information solely as to " transaction '' that I am highlighting. Under current law 15 U.S.C. 1681 ( A ) ( 2 ) ( A ) ( I ). In addition, I XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX are excluded from the consumer report. Delete these transactions from the consumer report or delete the item mark as closed charge off from my consumer report.,
Product: Credit card

I have sent Macy 's a letter disputing this charge and they are ignoring my request and continuing to bill me for the {$58.00} and now adding late fees to the original amount. There was never an explanation for the original amount. 

Macys , Inc. 
XXXX XXXX  XXXX XXXXXXXX XXXX XXXX, NY XXXX Dear Sir or Madam, I am disputing a charge on my XX/XX/2023 statement in the amount of {$58.00}. I talked to one of your agents on the phone on XX/XX/XXXX, and she explained that the charge is for the discount of {$58.00} I received when I purchased luggage for {$290.00}. I returned the luggage to the XXXX XXXX XXXX  and was reimbursed for {$290.00}. I should have received credit for {$58.00} as I returned the luggage. I did not keep the luggage and never used it. I did keep and pay for the other purchases I made on my first day with that new credit card. 
The bill I received in XXXX shows a previous balance of {$460.00}, payment of {$170.00}, credit of {$290.00}, and purchases or other debits of {$58.00}. My records and receipts do not explain the purchases or other debits in the amount of {$58.00}. 
I notified your billing department in XXXX that I was disputing the original charge of {$58.00}, but your billing department has neither acknowledged my questioning the {$58.00} nor relented in attempting to collect this amount, without explanation. I have been advised that I should contact the Consumer Financial Protection Bureau if you continue to attempt to collect this amount. Please explain the reason why you are demanding payment for a discount when I returned the luggage unused and with tags still on the luggage only a few days after my purchase. 
As a result of my phone call to Macys Customer Service on XX/XX/XXXX, my account has been credited for a late fee of {$30.00} plus an additional fee of {$2.00}, but I have received nothing, neither goods nor services, for the {$58.00}. I would greatly appreciate a note from your business acknowledging the dispute over this amount and expunging {$58.00} from my account. 
Sincerely,
Product: Student loan

In XX/XX/year>, I noticed that my bank account showed my funds being pulled for auto withdrawal to my Edfinancial account. However, my Edfinancial account says that I have yet to pay them. I called regarding this in XXXX, and they said they would submit it to the financial department for resolution. However, it still needs to be resolved. 
Then, I called again in XXXX and was told the same thing. It was never updated, and I never received a follow-up phone call. 
Next, on XX/XX/XXXX, I spoke to a customer service person named XXXX. She also submitted it to the financial department as an emergency. It still needs to be updated and followed up. 
Then, on XX/XX/XXXX, I took off work to resolve this problem. I spoke to a woman named XXXX, who was talking to " someone who could fix it, '' and was disconnected. She never called back. I then called back and spoke to XXXX, who told me it was submitted as " an emergency '' and did not move anything forward. Then I called back and talked to a woman named XXXX XXXX, who kept me on the phone to try to get it resolved with the financial department. She said the " emergency '' was put forth on XX/XX/XXXX and can take 7-10 business days. She stated she would take my issue to the financial department and call me back. She did call me back and said the following : " I did get word that the error has been corrected, and they were able to search those down and apply them to your account ; allow it to 24 to 48 hours to show it's reflected, and I will also leave notes on your account... and I will keep an eye on your account.. .. '' Unfortunately, it has not been updated and does not reflect my payments. 
Then, on XX/XX/XXXX, I called again on my way to work and spoke with who I believe was named XXXX, who also said it would take 24-48 hours. And now, it is Friday, XX/XX/XXXX, and my account still needs to be updated to show my payments. 
I am at a loss as to what to do. I have requested to speak to the financial department that all customer service reps refer to and need to request aid from. However, I am told that it is impossible. I have asked to speak to a supervisor and was told it is impossible.
Product: Money transfer, virtual currency, or money service

I've reached out to the bank and had all of my documents to prove they released funds to a fraudulent party and they have not rectified there mistake of releasing over {$20000.00} dollars from the account My number XXXX Mr XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information.

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation.
Product: Debt collection

I have been receiving the following message, XXXX, contact MRS BPO LLC regarding a matter with XXXX XXXX. MRS is a collection agency. 

Visit :XX/XX/XXXXXXXX Call : ( XXXX ) XXXX Opt Out : Reply STOP Rights/XX/XX/XXXXXX/XX/XXXX Firstly my name isnt XXXX. Secondly, I dont owe anything to XXXX XXXX My account is in good standing. Thirdly, I didnt sign up for anything to receive these messages. And I am on the do not call registry. I have googled this complaint and am seeing that other people are receiving this message as well. It is a scam.
Product: Checking or savings account

After Bank of America closed my checking account on XX/XX/2024, due to fraud, my next electronic paycheck from XXXX was sent to my closed checking account on XX/XX/2024. XXXX re-sent the funds to my new checking account number sometime between XX/XX/XXXX - XX/XX/2024. I have the amount that was sent and a receipt from XXXX in e-mail, but Bank of America will not deposit the funds in my new checking account. I have been to the bank on numerous occasions in order to access the funds from my electronic paycheck from XXXX without success. If the money is not in my account, I am blamed for it! No one makes an effort to find the funds from my electronic paycheck that was supposed to be deposited in my new checking account. My XXXX at XXXX used to work for banks for 27 years, she understands how to send the electronic funds to my new account at the bank. My new checking account number is XXXX. The address of the bank that will not assist me with access to my paycheck is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Product: Payday loan, title loan, or personal loan

I began XXXX XXXX back in XXXX of 2019 and right after I received my XXXX, I got a call from XXXX, saying I needed to pay for an accountant for the year. At the time, I did not know much about running a business so they sold me on paying for the year. When i told them i couldn't afford their costs, they offered to connect me with Lending Point which would allow me to make monthly payments. 

After a couple of months go by of me paying for this service and NOT using it, i realized I did not need this at all. To this day, I have not used the service once and because I struggled to make the payments in the second half of the year, it has negatively affected my credit score. I really feel like i should not have to pay this debt.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, we received a check in the mail from New Southern Loans for XXXX. We called their office to question whether they would check our credit. The young lady stated that she did not know and would have her supervisor call us. We immediately received a credit alert notification of a hard inquiry. The letter attached to the check stated that cashing the check would initiate a credit inquiry. We had no intention of cashing the check because of the 30 % plus interest rate. First, we have raised our credit score by over XXXX points and could obtain a loan from one of our banks. Secondly, we do not need a {$1000.00} loan. We would like this company to remedy this issue by removing the inquiry, report our previous account closed, paid as agreed and remove us from their mailing list.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They violated my rights numerous of times I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$8400.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes regarding the late payments from on my BMW Financial services account. They are saying that a payment was not made but in fact a payment was initiated to them. This inaccurate reporting is affecting my score by XXXX points. This is my last and final attempt to have BMW financial correct the 30 day late before I have to pursue legal action. Thank you.
Product: Credit card or prepaid card

Direct Express bank has never corrected any disputes that I have filed with them. 
I have several cards with other banks and I never, ever deal with disputes that are not resolved in my favor. They treat everyone like they are criminals!! 

I made 2 purchases online for some electronics and never received the items. After being ripped off I did some investigating and found out it is a fraudulent company that is ripping people off. 
The dates of purchases are as follows : XX/XX/2020 {$54.00} {$68.00} The company name is XXXX Bank shows a name of XXXX XXXX as the owner and the person who stole those funds from me. 
I provided all this same info to the bank and I was never credited for those charges to my Mastercard! I filed the claim on XX/XX/2020 and was never credited for these charges. 
I have never been treated so badly then this bank does to customers. I am a XXXX American that receives XXXX payments from Social security. All my other cards and banks that I deal with has never treated customers the way they do. I am closing this account on XX/XX/XXXX, since social security can't update my banking until then. I'm sure you have had numerous complaints about this bank!!! 
I have other complaints, but will do a separate complaint.
Product: Student loan

In XX/XX/XXXX I received a credit based student loan with Citibank for XXXX University at around 27,000.. 


I made payments of {$75.00} regularly until XX/XX/XXXX. 


I made attempts to work with Citibank to get a forbearance ( I am in good standing with all of my other student loan, whom had excellent student loan servicing in helping out during times of a tight budget ) in XX/XX/XXXX as the result of a tight budget in a few months in XX/XX/XXXX. Citibank were difficult to work with and they charged off my account then put me into collections. I asked for the name of the collection agency and phone number. However, the information they provided me was inaccurate. Thus, I waited for the collection agency to contact me and every year I would check my credit report waiting for the credit agency to report it to my credit report. In addition, I was in a custody battle that tightened my budget as the result of legal fees and other fees related to the custody battle for my daughter, of which I lost. As well, Citibank Student Loans became sued for misleading Student Loan service practices and were fined by the CFPB. XXXX : CFPB Takes Action Against Citibank For Student Loan Servicing Failures That Harmed Borrowers. Also, Citibank a couple of years ago off loaded some of their borrowers to XXXX XXXX as the result of similar issues with the CFPB. I did not pull my credit report at the end of XX/XX/XXXX, because at that time there were issues in the custody battle that retained my attention. At the end of XX/XX/XXXX I pulled my credit report and noticed a Citibank balance added to my credit report in XX/XX/XXXX and closed in XX/XX/XXXX, but it did not have a name of any collection agency. I went to the Citibank website and learned that they no longer service student loans from a lawsuit against them. The websites disclaimer read : Effective XX/XX/XXXX Citibank will no longer service student loans. If you received notification of the transfer of servicing of your private student loans from Citibank to XXXX XXXX, they can be reached at XXXX and by phone at XXXX. The website I went to was : studentloan.citibank.com. I called the phone number and they directed me to the phone number of two collection agencies. The first one I called did not have my debt, but the second one I called did have my debt. I informed the collection agency, XXXX, that I could give them a down payment and we could work out a monthly payment that they were agreeable with. On the other hand, I called the Consumer Protection hotline in Virginia and what other next steps I could take. They provided me general information that showed that my Citibank debt is outside the statute of limitations to be collected. Thus, I sought out an attorney that specialized in Fair Debt Collection Practices Act ( FDCPA ) to get clarification, if my Citibank balance is outside the statute of limitations. I learned that the debt is outside the statute of limitations and as the result of Citibank 's poor handling of my account could affect my security clearance.
Product: Credit reporting

I settled a debt with XXXX XXXX XXXX XXXX XXXX and filed a complaint with CFPB because they had not updated all three credit bureaus. At the time Experian showed the debt as settled and the other XXXX bureaus did not. After XXXX XXXX XXXX informed Experian, they updated the status of this debt to " legally paid in full for less than the full amount '' as requested, but now they note on my credit report every month a simple NEGATIVE for this debt that was settled in XXXX 2014. 

No specific reason is given for the recurring NEGATIVE on this debt. I wonder if this practice is in accordance with the FCRA, and if this continual NEGATIVE mark is retaliatory and is harming my credit rating unfairly. 

I would like this account to show that it was settled nearly two years ago, and request that these continued NEGATIVE marks be removed from my Experian credit report.
Product: Debt collection

Credit control LLC is attempting to collect a debt not owed and has been already resolved with another debt collector. These tactics are illegal.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX