determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Communication tactics	XXXX XXXX has made repeated phone calls to our home after being sent a no contact and being told to call the XXXX XXXX XXXX 's and not to call our house anymore. On XX/XX/XXXX they call several times, but have called so much that my caller ID is full and could n't go back any further. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Improper use of your report	Unauthorized Credit Inquiry XX/XX/2017 Scrng Rpts XXXX XXXX, IL XXXX ( XXXX ) XXXX
Disclosure verification of debt	I called the company Account Resoultion Services several times and was hung up on when I asked for their registration number to collect in Florida. I am very aware of my laws and rights for a collection agency to collect a debate in Florida they MUST be registered to collect in Florida and be registered with Florida office of financial regulation.
Loan servicing, payments, escrow account	Roundpoint Mortgage Servicing Corporation services my XXXX XXXX XXXX Mortgage, and converts without my permission, my regular payment into 'principal curtailment '. This requires that I have to make an extra payment to prevent late fees from occurring because I sent in my XXXX payment ( with no add'l principal ) early. This has occurred twice in the last four or five months.
Incorrect information on credit report	I did n't give authorization to apply for a credit card with XXXX XXXX
Incorrect information on your report	I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe XXXX XXXX XXXX XXXX. The credit bureaus all come back stating the information has been verified. XXXX XXXX XXXX XXXX has been paid to the original creditor by my insurance company before any collections. XXXX XXXX XXXX XXXX Is reporting to unpaid accounts on all my credit reports that are incorrect.
Incorrect information on your report	I was given a XXXX XXXX on a child that ended up not being my child. I was placed on child support and it was put on my report. After it was determined the child was not my child, it has not been removed.
Disclosure verification of debt	I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.
Charged fees or interest I didn't expect	I think these loan should be illegal due to fact it plays on the poor.
Dealing with my lender or servicer	I was a struggling single mom trying to repay student loans but sent to forbearance for years. I 've been paying on these loans since 1998. They sold min to XXXX a few years ago.
Incorrect information on your report	LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.
Incorrect information on your report	XXXX : Calls asking for an unknown called on my mobile. He does not exists at this number. They refuse to stop calling. Their number is XXXX. They ask for a person stating that it is a person business matter. Refuse to identify themselves and then finally after I angrily inquire why they keep calling me, they tell me where they are calling from.
Can't repay my loan	I have been unable to repay my loans. We make just enough to pay our bills and I even sell scrap metal to earn extra money some months. My wife has a lot of medical issues and should not be working but can not afford to quit. I myself have an XXXX and half of a left XXXX, we both have permanent XXXX., but I ca n't afford to quit either. Now Pioneer Credit is calling my family members and sending me letters threatening to garnish my wages.
Charged fees or interest you didn't expect	The original loan was for {$500.00}. It has since almost doubled due to interest.
Incorrect information on your report	I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved
Incorrect information on your report	XXXX XXXX CC ( MYLIFE ) XXXX PAID OFF XXXX OUT.
Disclosure verification of debt	I paid my medical bill in full XX/XX/XXXX. I started receiving phone calls stating that I had paid too much, and that I needed to submit a separate payment to reach the total. I have been receiving phone calls since XX/XX/XXXX, and with each call I request that they send an invoice to validate the debt. The phone calls increase in quantity and hostility.
Billing statement	In 2010 I rec 'd a letter from Macy 's stating that they had inadvertently matched me with another customer with the same name. Macy 's corrected their records and removed my address from that record. They stated no incorrect information. was reported to the credit reporting agencies, and they would contact XXXX
Incorrect information on your report	I was reviewing my XXXX credit report on XX/XX/XXXXand I saw a hard credit pull from CBNA. I contacted Citibank on XX/XX/XXXX and again today XX/XX/XXXX. Both times I was on hold for over 25 minutes in silence. I eventually ended the call. ReviewING others in similar situation, they advised that I contact CFPB.
Disclosure verification of debt	I was contacted by Portfolio Recovery Associates , LLC about a debt from XXXX XXXX. When I called, they stated the debt was from XXXX. I filed a dispute with the credit reports to verify the information was being reported correctly and that the date of first delinquency was verified from the Original Creditor. This information had not been provided or verified by either party. It is affecting my credit score.
Incorrect information on credit report	My credit report with experian has several accounts for southern ct gas which has XXXX balances, XXXX with account number beginning with XXXX and the other beginning with XXXX which should have been deleted off my account. I should only have XXXX bill on my credit file and that is the one with account number starting with XXXX which is current. I am not sure why the other XXXX have n't been deleted as of yet.
Dealing with my lender or servicer	Navient has been calculating my interest wrong on my student loan. The initial capitalization of my interest was wrong. Then, wrong several other times between stages of repayment. I have paid over {$2000.00} on a {$3000.00} loan that has not moved at all. I 've been reviewing my payments and things do not add up.
Account opening, closing, or management	I have an account opened in my name at Wells Fargo and I never held an account there.
Incorrect information on credit report	Experian is reporting inaccurate information on XXXX collection accounts ; XXXX account # XXXX and XXXX. They are showing as if they are new collections and they are not. This is affecting my credit scores negatively. Account XXXX was last paid on XX/XX/XXXX. Account XXXX was last paid on XX/XX/XXXX. These errors need to be corrected immediately or the accounts deleted off my credit file.
Communication tactics	They are calling people in my extended family whom i have no contact with. I dont know who they are or what they want. If they want to contact me they need to do so by mail.
Problems when you are unable to pay	I was approved for a loan that took the place of an existing loan and so it was cancelled out with a new balance to pay monthly. The interest however has increased and when it was time to see if I can lower the payments they said that I could not because I have n't met the criteria on my loan as in terms of when I will be eligible to get a reduced monthly balance to pay per month. They are also harassing me by calling me from work and or at home.
Written notification about debt	This debt showed up on my credit report on XXXX XXXX XXXX ... I never received a dunno letter. So I mailed out a letter on XXXX/XXXX/XXXX requesting debt validation that I owe this company ( sign contract ) ... I never received any information. I sent my second letter XXXX/XXXX/XXXX requesting the same information and have n't received anything. I disputed this thru the credit bureaus and was told the information was correct.
Cont'd attempts collect debt not owed	There are XXXX hard credit inquiries that I did not authorize on my credit report. One is from CBC Novis, and the other is from XXXX. These XXXX unauthorized inquiries have knocked my credit score way down. Help me. Why would/could they do this? XXXX XXXXXXXXXXXX - XXXX
Problems at the end of the loan or lease	My Toyota XXXX was repossessed from my driveway. I wa s three payments away from having the lsix year loan paid in full. now on my credit report it reads tha t I/O Toyota {$700.00}.
Customer service / Customer relations	I have an account with Capitol One and they have placed it in restricted status without any option to ever remove it.
Communication tactics	Received a call from XXXX which works for Michael Andrews & Associates LLC after talking to him and informing him that we have not received any information over the mail and that we were not aware of any collections, he wanted me to come to a payment arrangement immediately. After I told him I was not able to do it at the moment he told me that if we did not pay arrangements would be made to garnish my wages and that I will have to pay more than what he was offering me.
Communication tactics	PMAB is harassing me by re-aging an old debt to collect on.
Credit decision / Underwriting	My request for a loan assumption was denied due insufficient assets. I provided documentation that provided proof on reserves that exceeded the 8 month reserve criteria for investment property during my initial application. Over the 7 months I continued to provide proof of reserves. on XX/XX/2016 I provided proof of reserves from my bank and was told that the underwriter would not accept my documentation.
Cont'd attempts collect debt not owed	i HAVE NOT HAD XXXX SINCE 2007 AS FAR AS I REMEMBER, I HAVE CONTACTED DIVERSIFIED CONSULTANTS TO ADVISE AND THEY HAVE HAD THIS IN DISPUTE FOR 90 DAYS NOW AND REFUSE TO REMOVE IT FROM MY CREDIT REPORT OR SEND ME PROOF THAT THIS IS MY DEBT.
Improper use of your report	My personal information was very possibly hacked and stolen from the Equifax breach. On XXXX XXXX, XXXX I have gotten my annual credit reports to ensure there was nothing out of the ordinary on there, I placed an initial 90 day fraud alert through Equifax and I am now filing this complaint. This breach could be potentially catastrophic to me if my information is stolen and this is absolutely unacceptable and Equifax has handled this situation extremely poorly.
Loan modification,collection,foreclosure	The home was sold at a foreclosure without proper notice in XXXX 2011. I complained for weeks, then the sale was rescinded. XXXX/XXXX/2011. It " will be sold at a later date, '' according to the PHH XXXX Department. Assigned XXXX/XXXX/2011 to Foreclosure Attorney, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/2011 - Insurance submitted. I am in the process of doing a Qualified Written Request and/or XXXX XXXX. The current status is in active foreclosure.
Disclosure verification of debt	On XX/XX/2016 I sent a letter to the creditor, which requested confirmation of information regarding the debt, originator, amount. On XX/XX/2016 I received this letter back from the XXXX, with a label " return to sender, unable to forward '' I have made several attempts to dispute this collection via collection bureau- XXXX XXXX I can not verify the debt, I can not contact the debt collection agency to verify the information.
Incorrect information on your report	I was a victim of the Inquiry issue with Transunion. I contacted them and asked to please remove the Inquiries from my credit report and they did nothing to assist me. This was today XX/XX/2018 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
False statements or representation	I agreed to move into an apartment complex but a week in it became clear they were infested with bugs. So the apartment manager told me that I could move out and get my deposit. They gave me back the deposit but 2 years later there 's a charge for around {$3500.00} on my credit report.
Cont'd attempts collect debt not owed	I paid the amount owed directly to the conpnay and the collection agency will not remove it from my credit file and keep calling me. I have also provided them with proof of payment.
Incorrect information on your report	XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.
Dealing with my lender or servicer	I went XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX I never applied for loans directly Somehow they applied for some loans that I 'm not aware of Now I owe money that I do n't know about
Improper use of my credit report	My complaint is with Trans-union, XXXX, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.
Incorrect information on your report	There are XXXX address on my report that does not belong to me, I 've never lived at those addresses, XXXX is a store front property after my investigation. XXXX Someone reported this information to the credit bureaus this month and it was NOT me. XXXX This is fraud.
Communication tactics	I already blocked their number, but keep calling and do n't leave a message. They call 3 to 4 times a day everyday. I dealt with the same debt collecting agency before and they 're rude and inconsiderate thats why i do n't answer their calls anymore.
Disclosure verification of debt	I wrote XXXX about this dispute, but got no response.
Struggling to pay your loan	Auto was repossessed on XX/XX/XXXX after contacting after GM Financial they would work with me as I communicated I could pay my normal payment but had no residual income for arrears. I was told not to worry they will work with me.
Disclosure verification of debt	I recieved a called from Hunter Warfield claim to be a collection Company. Said that i had i had a debt with XXXX XXXX for XXXX. Guy was very rude never identify me with the particular debt or even said is this your account or not just began talking. Told him thats not my account. I want to dispute it. Told me i couldnt dispute it. They continually call my phone at XXXX at night. Their not following correct procedure on collection.
Attempts to collect debt not owed	THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.
Unable to get your credit report or credit score	I have been denied access to an ONLINE version of my Credit Report from the XXXX major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?
Cont'd attempts collect debt not owed	Receiving a letter stating I owe a payment for an accident in a truck I did not own and an accident I was not in to the insurance company XXXX. Stating they will submit to DMV and take my license.
Cont'd attempts collect debt not owed	Received a debt collections letter from Enhanced Recovery Company in XX/XX/XXXX stating I owed a debt of {$130.00} from an account that was with XXXX from XX/XX/XXXX. I disputed this via telephone call in XX/XX/XXXX and they said they would mark it as disputed, but it never happened and I never received company statement validating the debt, but the debt was then listed on my consumer credit report.
Loan servicing, payments, escrow account	In 2012 w e were forced to declare bankruptcy because the credit union would not alter our loan modification as they said our bill were our fault so they would not help us even though I was a member for over 20 years with a perfect record. During the BK they would not take called from our lawyer so we were not able to reaffirm our mortgages. Now they report them as delinquent as of X/2012 ev en thought they have always been current.
Incorrect information on credit report	All inquiries were Deleted and added back on my reports
Communication tactics	I keep getting calls from someone claiming to be PNC bank. They call me then ask me to verify who I am to them with personal information. I traded my car into a dealership and I have called PNC and told them and they said OK great. But yet I still get harassing calls from their collections department.
Communication tactics	The law firm of Bronstein and Weiss have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.
Incorrect information on your report	Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.
Problems caused by my funds being low	My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees
Loan modification,collection,foreclosure	I defaulted on my mortgage because the monthly payment and the interest rate increased from one day to another, making it impossible for me to stay afloat. I have tried to do loan modifications and many other alternatives for my house not to get foreclosed on but the bank is not willing to cooperate. I feel that I was done wrong by the bank and there might be some fraudulent activity on the bank 's part.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Written notification about debt	Americollect XXXX- {$450.00}, {$680.00} and {$1000.00} Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.
Settlement process and costs	this is the XXXX complaint our mortgage company keeps making same mistake charging us for paying our taxes and house insurance when this is a non escrow account they say my county and house insurer say we are delinquent far from the truth we send documentation proving they are lying they are tuning our credit we are on social security and cant afford a lawyer some should help us they keep tacking on more money to our morgage
Money was not available when promised	Paypal limited my account on XXXX for additional documentations. After I uploaded my identifying documents and business documents, Paypal decided to permanently freeze my account and lock my fund for 180 days citing " security reasons '' for chargebacks. This is absolutely ridiculous, all the payments I received are from Paypal funds or checking accounts. This is their way of getting a free loan from their customers.
Can't repay my loan	I called Sallie Mae to find out more information regarding their Rate Reduction Plan. The representative advised that Sallie Mae will only discuss the rate reduction with borrowers who are delinquent on the account. I do n't understand how borrows who are delinquent get rewarded with lower interest rates, and borrowers who are struggling, but still make payments on time are punished by not having access to a program created to help borrows repay their student loans.
Other features, terms, or problems	This is a rebuttal - see enclosures
Incorrect information on your report	equifax and XXXX have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the equifax breach destroy my credit
Incorrect information on credit report	My name is XXXX XXXX . Report number : XXXX I had received the credit report and I found out the Experian was missed my credit card record beginning from XXXX , XXXX till XXXX , XXXX , since I was activated from XXXX XXXX XXXX card. The Experian gave me the report just shows from XXXX XXXX , XXXX till now. Please e-mail me at XXXX XXXX XXXX or send it to me at XXXX XXXX XXXX XXXX , XXXX .
Cont'd attempts collect debt not owed	Harris and Harris called me two times, claiming I owe the Arizona Department of Revenue money, but they wo n't tell me why I owe them money or show me the paper trail of the debt. They refuse to send me all the documentation that supports this claim. They also claim that the Fair Debt Collection Practice Act does n't apply to them.
Incorrect information on credit report	I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports
Incorrect information on credit report	Closed since 1985
Incorrect information on credit report	Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Loan servicing, payments, escrow account	I paid off my mortgage on XXXX XXXX, 2015 to Nationstar Mortgage. The lien release/Release of Mortgage/Satisfaction of Mortgage hasnot been recorded in the XXXX XXXX, Florida as ofXXXX XXXX, 2015. Florida statutes deadline to record is XXXX daysfrom the pay-off date for this matter. I have called to NationstarMortgage numerous times to resolve this issue with no success. The mortgage is under my wife, XXXX XXXX.
Problem with a credit reporting company's investigation into an existing problem	XXXX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.
Cont'd attempts collect debt not owed	WAKEFIELD XXXX XXXX TN XXXX XXXX The company claims that I owe {$970.00} for a medical bill that was already paid through my insurance according to XXXX in XXXX, TN. I have been to civil court several times however we never see the judge. I consult with the lawyer and we always reschedule. This item is negatively affecting my credit score, and I wish to resole it quickly.
Making/receiving payments, sending money	Our company sought to obtain a loan in the amount of {$250000.00} from XXXX XXXX, XXXX XXXX. We were required to submit a 1 % retainer for the loan, which would then finalize the requirements. Unfortunately, the firm located in XXXX, was conducting fraudulence and walked away with our money. XXXX XXXX evaded all contact with our company and never fulfilled the contract we had. Enclosed you will find all supporting correspondence and receipts
Payoff process	I was issued a new card due to security breach in the company. I have paid on time and the checks have been cashed by the company but they are being credited to the inactive account, not the new number. Bank refuses to resolve this situation and the card has been placed on hold.
Credit monitoring or identity protection	I tried to het my free credit report and thry went all the eay to asking securty questions. I answered them corectly i dont have any line of creit with any stores but apprently someone does in my name. Im afraid im a victim of identy theft. I have a havker on my email and they have done thid. Were are thr packages going not here please help
Loan modification,collection,foreclosure	I have been trying to modify my home loan with Caliber Home Loans and they have ignored me and moved my file to foreclosure and now I have a foreclosure scheduled for XXXX/XXXX/2015!! I do n't know what to do because I want to keep my home.
Improper use of your report	I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.
Cont'd attempts collect debt not owed	I signed up for the service that the representative promised that I would have service in this area and we 're we live the service around here is very spotty and had dropped calls cause of that.this service is more geared toward the southern states as even people from your company have mentioned to me.I 've paid my fair share of this bill even though you did provide me the service I was promised.
Dealing with my lender or servicer	Harassing phone calls. Received phone call before XXXX on Saturday XX/XX/2017. Phone call received was at XXXX. Received phone call after payment arrangements were set up online on Friday, XX/XX/2017.
Problem with a credit reporting company's investigation into an existing problem	I contacted experian to dispute something on my report and was given the run around with transfers back and forth and a t one point the representative hong up the phone on me after being half hour on the phone
Incorrect information on your report	stuff showing on my credit report that are not mine please remove tham XXXX, transunion, and XXXX inaccurate information
Cont'd attempts collect debt not owed	FIA Card Services was collecting on a credit card I had from BofA. FIA sought a judgement and won. I later settled the judgement yet it is still showing on my credit report as not satisfied. I have contacted the credit bureaus and can not get it removed or at the least correctly reported.
Incorrect information on credit report	After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX XXXX, the file is again reopened for a third time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.
Incorrect information on credit report	XXXX is reporting me and im not able to open any bank account, and everytime that i call them or they tell me that if i want to be remove from their system i have to pay a several amount of money : example like XXXX and i have no reason to paid that amount and neither be on their system cuz i dont owe any money to any bank
Unauthorized transactions/trans. issues	I have been with Rushcard for over 4 years. As of late, they have held my money for over a week and refuse to give me a time frame on when my money will be released. I am a full time college student and have daily expenses that I can not take care of now because they refuse to release my money.
Bankruptcy	I filed a chapter XXXX bankruptcy and it was discharged in 2010. Syncb/Care Credit was included in that bankruptcy and they are still continuing to update and report damaging my credit. By law they can not continue to report and damage someones credit after a discharged bankruptcy.
Credit reporting company's investigation	I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.
Cont'd attempts collect debt not owed	We have been making payments for a debt to a company called RJM Acquisitions. Today we received a call from XXXX XXXX, another debt collection agency, claiming they are the actual owners of the debt and that they are suing my husband for nonpayment. We now have to figure out who actually owns this debt and how we recover the fact that we have already paid a debt to a possible scam artist- all while being sued for this very old debt.
Incorrect information on credit report	Experian placed back a Tax Lien which is not mine and was previously deleted as fraudulent. It 's associated with a fraudulent address in XXXX CA. This lien is NOT mine.
Incorrect information on your report	My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.
Incorrect information on your report	Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.
Incorrect information on credit report	I disputed a public record ( tax lien ) that I received letters from the state that they lien was paid and told to forward said letter to the CRAs for withdrawal from my credit report. Instead, I received a letter saying that it would not be removed. In addition to the letter, another lien that never existed populated onto my credit report.
Improper contact or sharing of info	Constant robocalling from Harris & Harris calling to collect money, at minimum XXXX per week from # XXXX and many times after XXXX CT to the point of harassment violating the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act.
Struggling to pay your bill	I contacted XXXX XXXX because I am going through a financial hardship. I asked them to settlement on this amount owed before I am not able to pay for it. The representative told me over the phone WE HAVE NO SETTLEMENTS TO OFFER YOU. I told the representative that I am reaching to them first before it gets too bad. But they were no help at all.
Attempts to collect debt not owed	I reported this item to my credit report, i never new about this debt., nor is this debt mine, i have no knowledge of this amoit and account
Loan modification,collection,foreclosure	My Lender foreclosed on my home after I put it in bankruptcy. They told me it was being transferred.
Dealing with my lender or servicer	My name is XXXX XXXX, I attended XXXX in XXXX, ca. I believe I have genesis loans from XXXX colleges and would like to know if they were included in the CFPB settlement.
Cont'd attempts collect debt not owed	I am not responsible for this bill. This bill is from XXXX medical center and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off my credit report.

Communication tactics

XXXX XXXX has made repeated phone calls to our home after being sent a no contact and being told to call the XXXX XXXX XXXX 's and not to call our house anymore. On XX/XX/XXXX they call several times, but have called so much that my caller ID is full and could n't go back any further. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Improper use of your report

Unauthorized Credit Inquiry XX/XX/2017 Scrng Rpts XXXX XXXX, IL XXXX ( XXXX ) XXXX

Disclosure verification of debt

I called the company Account Resoultion Services several times and was hung up on when I asked for their registration number to collect in Florida. I am very aware of my laws and rights for a collection agency to collect a debate in Florida they MUST be registered to collect in Florida and be registered with Florida office of financial regulation.

Loan servicing, payments, escrow account

Roundpoint Mortgage Servicing Corporation services my XXXX XXXX XXXX Mortgage, and converts without my permission, my regular payment into 'principal curtailment '. This requires that I have to make an extra payment to prevent late fees from occurring because I sent in my XXXX payment ( with no add'l principal ) early. This has occurred twice in the last four or five months.

Incorrect information on credit report

I did n't give authorization to apply for a credit card with XXXX XXXX

Incorrect information on your report

I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe XXXX XXXX XXXX XXXX. The credit bureaus all come back stating the information has been verified. XXXX XXXX XXXX XXXX has been paid to the original creditor by my insurance company before any collections. XXXX XXXX XXXX XXXX Is reporting to unpaid accounts on all my credit reports that are incorrect.

Incorrect information on your report

I was given a XXXX XXXX on a child that ended up not being my child. I was placed on child support and it was put on my report. After it was determined the child was not my child, it has not been removed.

Disclosure verification of debt

I received notification that someone applied for a credit card with this company. I was unsure as to why it happened as I have a freeze and fraud alert on my credit reports to prevent unauthorized inquiries from happening.

Charged fees or interest I didn't expect

I think these loan should be illegal due to fact it plays on the poor.

Dealing with my lender or servicer

I was a struggling single mom trying to repay student loans but sent to forbearance for years. I 've been paying on these loans since 1998. They sold min to XXXX a few years ago.

Incorrect information on your report

LATE PAYMENTS ARE REPORTED ON STUDENT LOANS WHICH WERE IN DEFERMENT AND THEN LATER CONSOLIDATED. LATE PAYMENTS NEVER REMOVED AND IT IS NEGATIVELY AFFECTING MY CREDIT SCORE. DEFERRED LOANS CAN NOT BE LATE, WHEN NO PAYMENTS ARE DUE. XXXX XXXX OVER 20 ACCOUNTS SHOW LATE PAYMENTS.

Incorrect information on your report

XXXX : Calls asking for an unknown called on my mobile. He does not exists at this number. They refuse to stop calling. Their number is XXXX. They ask for a person stating that it is a person business matter. Refuse to identify themselves and then finally after I angrily inquire why they keep calling me, they tell me where they are calling from.

Can't repay my loan

I have been unable to repay my loans. We make just enough to pay our bills and I even sell scrap metal to earn extra money some months. My wife has a lot of medical issues and should not be working but can not afford to quit. I myself have an XXXX and half of a left XXXX, we both have permanent XXXX., but I ca n't afford to quit either. Now Pioneer Credit is calling my family members and sending me letters threatening to garnish my wages.

Charged fees or interest you didn't expect

The original loan was for {$500.00}. It has since almost doubled due to interest.

Incorrect information on your report

I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved

Incorrect information on your report

XXXX XXXX CC ( MYLIFE ) XXXX PAID OFF XXXX OUT.

Disclosure verification of debt

I paid my medical bill in full XX/XX/XXXX. I started receiving phone calls stating that I had paid too much, and that I needed to submit a separate payment to reach the total. I have been receiving phone calls since XX/XX/XXXX, and with each call I request that they send an invoice to validate the debt. The phone calls increase in quantity and hostility.

Billing statement

In 2010 I rec 'd a letter from Macy 's stating that they had inadvertently matched me with another customer with the same name. Macy 's corrected their records and removed my address from that record. They stated no incorrect information. was reported to the credit reporting agencies, and they would contact XXXX

Incorrect information on your report

I was reviewing my XXXX credit report on XX/XX/XXXXand I saw a hard credit pull from CBNA. I contacted Citibank on XX/XX/XXXX and again today XX/XX/XXXX. Both times I was on hold for over 25 minutes in silence. I eventually ended the call. ReviewING others in similar situation, they advised that I contact CFPB.

Disclosure verification of debt

I was contacted by Portfolio Recovery Associates , LLC about a debt from XXXX XXXX. When I called, they stated the debt was from XXXX. I filed a dispute with the credit reports to verify the information was being reported correctly and that the date of first delinquency was verified from the Original Creditor. This information had not been provided or verified by either party. It is affecting my credit score.

Incorrect information on credit report

My credit report with experian has several accounts for southern ct gas which has XXXX balances, XXXX with account number beginning with XXXX and the other beginning with XXXX which should have been deleted off my account. I should only have XXXX bill on my credit file and that is the one with account number starting with XXXX which is current. I am not sure why the other XXXX have n't been deleted as of yet.

Dealing with my lender or servicer

Navient has been calculating my interest wrong on my student loan. The initial capitalization of my interest was wrong. Then, wrong several other times between stages of repayment. I have paid over {$2000.00} on a {$3000.00} loan that has not moved at all. I 've been reviewing my payments and things do not add up.

Account opening, closing, or management

I have an account opened in my name at Wells Fargo and I never held an account there.

Incorrect information on credit report

Experian is reporting inaccurate information on XXXX collection accounts ; XXXX account # XXXX and XXXX. They are showing as if they are new collections and they are not. This is affecting my credit scores negatively. Account XXXX was last paid on XX/XX/XXXX. Account XXXX was last paid on XX/XX/XXXX. These errors need to be corrected immediately or the accounts deleted off my credit file.

Communication tactics

They are calling people in my extended family whom i have no contact with. I dont know who they are or what they want. If they want to contact me they need to do so by mail.

Problems when you are unable to pay

I was approved for a loan that took the place of an existing loan and so it was cancelled out with a new balance to pay monthly. The interest however has increased and when it was time to see if I can lower the payments they said that I could not because I have n't met the criteria on my loan as in terms of when I will be eligible to get a reduced monthly balance to pay per month. They are also harassing me by calling me from work and or at home.

Written notification about debt

This debt showed up on my credit report on XXXX XXXX XXXX ... I never received a dunno letter. So I mailed out a letter on XXXX/XXXX/XXXX requesting debt validation that I owe this company ( sign contract ) ... I never received any information. I sent my second letter XXXX/XXXX/XXXX requesting the same information and have n't received anything. I disputed this thru the credit bureaus and was told the information was correct.

Cont'd attempts collect debt not owed

There are XXXX hard credit inquiries that I did not authorize on my credit report. One is from CBC Novis, and the other is from XXXX. These XXXX unauthorized inquiries have knocked my credit score way down. Help me. Why would/could they do this? XXXX XXXXXXXXXXXX - XXXX

Problems at the end of the loan or lease

My Toyota XXXX was repossessed from my driveway. I wa s three payments away from having the lsix year loan paid in full. now on my credit report it reads tha t I/O Toyota {$700.00}.

Customer service / Customer relations

I have an account with Capitol One and they have placed it in restricted status without any option to ever remove it.

Communication tactics

Received a call from XXXX which works for Michael Andrews & Associates LLC after talking to him and informing him that we have not received any information over the mail and that we were not aware of any collections, he wanted me to come to a payment arrangement immediately. After I told him I was not able to do it at the moment he told me that if we did not pay arrangements would be made to garnish my wages and that I will have to pay more than what he was offering me.

Communication tactics

PMAB is harassing me by re-aging an old debt to collect on.

Credit decision / Underwriting

My request for a loan assumption was denied due insufficient assets. I provided documentation that provided proof on reserves that exceeded the 8 month reserve criteria for investment property during my initial application. Over the 7 months I continued to provide proof of reserves. on XX/XX/2016 I provided proof of reserves from my bank and was told that the underwriter would not accept my documentation.

Cont'd attempts collect debt not owed

i HAVE NOT HAD XXXX SINCE 2007 AS FAR AS I REMEMBER, I HAVE CONTACTED DIVERSIFIED CONSULTANTS TO ADVISE AND THEY HAVE HAD THIS IN DISPUTE FOR 90 DAYS NOW AND REFUSE TO REMOVE IT FROM MY CREDIT REPORT OR SEND ME PROOF THAT THIS IS MY DEBT.

Improper use of your report

My personal information was very possibly hacked and stolen from the Equifax breach. On XXXX XXXX, XXXX I have gotten my annual credit reports to ensure there was nothing out of the ordinary on there, I placed an initial 90 day fraud alert through Equifax and I am now filing this complaint. This breach could be potentially catastrophic to me if my information is stolen and this is absolutely unacceptable and Equifax has handled this situation extremely poorly.

Loan modification,collection,foreclosure

The home was sold at a foreclosure without proper notice in XXXX 2011. I complained for weeks, then the sale was rescinded. XXXX/XXXX/2011. It " will be sold at a later date, '' according to the PHH XXXX Department. Assigned XXXX/XXXX/2011 to Foreclosure Attorney, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX/2011 - Insurance submitted. I am in the process of doing a Qualified Written Request and/or XXXX XXXX. The current status is in active foreclosure.

Disclosure verification of debt

On XX/XX/2016 I sent a letter to the creditor, which requested confirmation of information regarding the debt, originator, amount. On XX/XX/2016 I received this letter back from the XXXX, with a label " return to sender, unable to forward '' I have made several attempts to dispute this collection via collection bureau- XXXX XXXX I can not verify the debt, I can not contact the debt collection agency to verify the information.

Incorrect information on your report

I was a victim of the Inquiry issue with Transunion. I contacted them and asked to please remove the Inquiries from my credit report and they did nothing to assist me. This was today XX/XX/2018 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

False statements or representation

I agreed to move into an apartment complex but a week in it became clear they were infested with bugs. So the apartment manager told me that I could move out and get my deposit. They gave me back the deposit but 2 years later there 's a charge for around {$3500.00} on my credit report.

Cont'd attempts collect debt not owed

I paid the amount owed directly to the conpnay and the collection agency will not remove it from my credit file and keep calling me. I have also provided them with proof of payment.

Incorrect information on your report

XXXX is being reported as part of my CHP XXXX bankruptcy. It was a new account and less than XXXX XXXX old prior to filing. It is illegal to include new accounts to bankruptcy. I am on time and never late. This is being reported inaccurately.

Dealing with my lender or servicer

I went XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX I never applied for loans directly Somehow they applied for some loans that I 'm not aware of Now I owe money that I do n't know about

Improper use of my credit report

My complaint is with Trans-union, XXXX, XXXX. Improper use of my credit report. They are reporting a bk on my report I called the court, and court does not validate or verify that information. That information was pulled from a third party, Therefore its in-accurate and now must be deleted immediately.

Incorrect information on your report

There are XXXX address on my report that does not belong to me, I 've never lived at those addresses, XXXX is a store front property after my investigation. XXXX Someone reported this information to the credit bureaus this month and it was NOT me. XXXX This is fraud.

Communication tactics

I already blocked their number, but keep calling and do n't leave a message. They call 3 to 4 times a day everyday. I dealt with the same debt collecting agency before and they 're rude and inconsiderate thats why i do n't answer their calls anymore.

Disclosure verification of debt

I wrote XXXX about this dispute, but got no response.

Struggling to pay your loan

Auto was repossessed on XX/XX/XXXX after contacting after GM Financial they would work with me as I communicated I could pay my normal payment but had no residual income for arrears. I was told not to worry they will work with me.

Disclosure verification of debt

I recieved a called from Hunter Warfield claim to be a collection Company. Said that i had i had a debt with XXXX XXXX for XXXX. Guy was very rude never identify me with the particular debt or even said is this your account or not just began talking. Told him thats not my account. I want to dispute it. Told me i couldnt dispute it. They continually call my phone at XXXX at night. Their not following correct procedure on collection.

Attempts to collect debt not owed

THE CREDITOR HAVE CONTACTED ME AND I HAVE NO KNOWLEDGE OF THIS DEBT. I HAVE CONTACTED MY ATTORNEY TO GET OUT OF THIS DEBT.

Unable to get your credit report or credit score

I have been denied access to an ONLINE version of my Credit Report from the XXXX major companies. I do not have the time to submit all of their requests by mail. Why am I being denied an ONLINE version that I can easily print from my home office and submit any legitimate disputes that I find?

Cont'd attempts collect debt not owed

Receiving a letter stating I owe a payment for an accident in a truck I did not own and an accident I was not in to the insurance company XXXX. Stating they will submit to DMV and take my license.

Cont'd attempts collect debt not owed

Received a debt collections letter from Enhanced Recovery Company in XX/XX/XXXX stating I owed a debt of {$130.00} from an account that was with XXXX from XX/XX/XXXX. I disputed this via telephone call in XX/XX/XXXX and they said they would mark it as disputed, but it never happened and I never received company statement validating the debt, but the debt was then listed on my consumer credit report.

Loan servicing, payments, escrow account

In 2012 w e were forced to declare bankruptcy because the credit union would not alter our loan modification as they said our bill were our fault so they would not help us even though I was a member for over 20 years with a perfect record. During the BK they would not take called from our lawyer so we were not able to reaffirm our mortgages. Now they report them as delinquent as of X/2012 ev en thought they have always been current.

Incorrect information on credit report

All inquiries were Deleted and added back on my reports

Communication tactics

I keep getting calls from someone claiming to be PNC bank. They call me then ask me to verify who I am to them with personal information. I traded my car into a dealership and I have called PNC and told them and they said OK great. But yet I still get harassing calls from their collections department.

Communication tactics

The law firm of Bronstein and Weiss have contacted my family members in an attempt to reach me to collect a debt. This has upset my family, and me, especially after they are trying to collect a debt that is more than five years old, and after being requested to submit any correspondence and contact information in writing.

Incorrect information on your report

Their refusal to have the accounts removed has ruined my life and especially my credit. The XXXX XXXX XXXX has my accounts listed 4 different times on my credit report starting from XX/XX/XXXX to XX/XX/XXXX and these are with XXXX XXXX. And the others are with XXXX and they are listed multiple times from the dates of XX/XX/XXXX-XX/XX/XXXX and they are all the same accounts.

Problems caused by my funds being low

My former bank kept my bank account open by putting and taking money out of my account so they can keep charging me fees

Loan modification,collection,foreclosure

I defaulted on my mortgage because the monthly payment and the interest rate increased from one day to another, making it impossible for me to stay afloat. I have tried to do loan modifications and many other alternatives for my house not to get foreclosed on but the bank is not willing to cooperate. I feel that I was done wrong by the bank and there might be some fraudulent activity on the bank 's part.

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Written notification about debt

Americollect XXXX- {$450.00}, {$680.00} and {$1000.00} Disputed with the company on XX/XX/XXXX. Company received my disputes on XX/XX/XXXX as it shows according to the certified mail. It is now XX/XX/XXXX and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

Settlement process and costs

this is the XXXX complaint our mortgage company keeps making same mistake charging us for paying our taxes and house insurance when this is a non escrow account they say my county and house insurer say we are delinquent far from the truth we send documentation proving they are lying they are tuning our credit we are on social security and cant afford a lawyer some should help us they keep tacking on more money to our morgage

Money was not available when promised

Paypal limited my account on XXXX for additional documentations. After I uploaded my identifying documents and business documents, Paypal decided to permanently freeze my account and lock my fund for 180 days citing " security reasons '' for chargebacks. This is absolutely ridiculous, all the payments I received are from Paypal funds or checking accounts. This is their way of getting a free loan from their customers.

Can't repay my loan

I called Sallie Mae to find out more information regarding their Rate Reduction Plan. The representative advised that Sallie Mae will only discuss the rate reduction with borrowers who are delinquent on the account. I do n't understand how borrows who are delinquent get rewarded with lower interest rates, and borrowers who are struggling, but still make payments on time are punished by not having access to a program created to help borrows repay their student loans.

Other features, terms, or problems

This is a rebuttal - see enclosures

Incorrect information on your report

equifax and XXXX have not left me look at my credit report i sent all the documentation and police reportCra violatonid theft but wont send me a copy of it to look at it but they have let the equifax breach destroy my credit

Incorrect information on credit report

My name is XXXX XXXX . Report number : XXXX I had received the credit report and I found out the Experian was missed my credit card record beginning from XXXX , XXXX till XXXX , XXXX , since I was activated from XXXX XXXX XXXX card. The Experian gave me the report just shows from XXXX XXXX , XXXX till now. Please e-mail me at XXXX XXXX XXXX or send it to me at XXXX XXXX XXXX XXXX , XXXX .

Cont'd attempts collect debt not owed

Harris and Harris called me two times, claiming I owe the Arizona Department of Revenue money, but they wo n't tell me why I owe them money or show me the paper trail of the debt. They refuse to send me all the documentation that supports this claim. They also claim that the Fair Debt Collection Practice Act does n't apply to them.

Incorrect information on credit report

I am showing as late XXXX XXXX and late XXXX XXXX. If I was in a bankruptcy XXXX to XXXX XXXX I should have not been reported. XXXX is saying XXXX reported me and XXXX is saying they did n't so who reported me. Both companies are trying to say the other reported me and neither will correct my credit reports

Incorrect information on credit report

Closed since 1985

Incorrect information on credit report

Equifax is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Loan servicing, payments, escrow account

I paid off my mortgage on XXXX XXXX, 2015 to Nationstar Mortgage. The lien release/Release of Mortgage/Satisfaction of Mortgage hasnot been recorded in the XXXX XXXX, Florida as ofXXXX XXXX, 2015. Florida statutes deadline to record is XXXX daysfrom the pay-off date for this matter. I have called to NationstarMortgage numerous times to resolve this issue with no success. The mortgage is under my wife, XXXX XXXX.

Problem with a credit reporting company's investigation into an existing problem

XXXX REFUSES TO VALIDATE THE ERRONEOUS DEBT BEING REPORTED BY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX.

Cont'd attempts collect debt not owed

WAKEFIELD XXXX XXXX TN XXXX XXXX The company claims that I owe {$970.00} for a medical bill that was already paid through my insurance according to XXXX in XXXX, TN. I have been to civil court several times however we never see the judge. I consult with the lawyer and we always reschedule. This item is negatively affecting my credit score, and I wish to resole it quickly.

Making/receiving payments, sending money

Our company sought to obtain a loan in the amount of {$250000.00} from XXXX XXXX, XXXX XXXX. We were required to submit a 1 % retainer for the loan, which would then finalize the requirements. Unfortunately, the firm located in XXXX, was conducting fraudulence and walked away with our money. XXXX XXXX evaded all contact with our company and never fulfilled the contract we had. *Enclosed you will find all supporting correspondence and receipts*

Payoff process

I was issued a new card due to security breach in the company. I have paid on time and the checks have been cashed by the company but they are being credited to the inactive account, not the new number. Bank refuses to resolve this situation and the card has been placed on hold.

Credit monitoring or identity protection

I tried to het my free credit report and thry went all the eay to asking securty questions. I answered them corectly i dont have any line of creit with any stores but apprently someone does in my name. Im afraid im a victim of identy theft. I have a havker on my email and they have done thid. Were are thr packages going not here please help

Loan modification,collection,foreclosure

I have been trying to modify my home loan with Caliber Home Loans and they have ignored me and moved my file to foreclosure and now I have a foreclosure scheduled for XXXX/XXXX/2015!! I do n't know what to do because I want to keep my home.

Improper use of your report

I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

Cont'd attempts collect debt not owed

I signed up for the service that the representative promised that I would have service in this area and we 're we live the service around here is very spotty and had dropped calls cause of that.this service is more geared toward the southern states as even people from your company have mentioned to me.I 've paid my fair share of this bill even though you did provide me the service I was promised.

Dealing with my lender or servicer

Harassing phone calls. Received phone call before XXXX on Saturday XX/XX/2017. Phone call received was at XXXX. Received phone call after payment arrangements were set up online on Friday, XX/XX/2017.

Problem with a credit reporting company's investigation into an existing problem

I contacted experian to dispute something on my report and was given the run around with transfers back and forth and a t one point the representative hong up the phone on me after being half hour on the phone

Incorrect information on your report

stuff showing on my credit report that are not mine please remove tham XXXX, transunion, and XXXX inaccurate information

Cont'd attempts collect debt not owed

FIA Card Services was collecting on a credit card I had from BofA. FIA sought a judgement and won. I later settled the judgement yet it is still showing on my credit report as not satisfied. I have contacted the credit bureaus and can not get it removed or at the least correctly reported.

Incorrect information on credit report

After this issue had been resolved with a collection agency for an agreed amount on behalf of the creditor XXXX XXXX XXXX XXXX, the file is again reopened for a third time after this had already been settled. These people are seeking a vendetta against me and seemingly are continuing to resubmit these derogatory credit filings to the agencies to reap their revenge for what I do n't know.

Incorrect information on credit report

XXXX is reporting me and im not able to open any bank account, and everytime that i call them or they tell me that if i want to be remove from their system i have to pay a several amount of money : example like XXXX and i have no reason to paid that amount and neither be on their system cuz i dont owe any money to any bank

Unauthorized transactions/trans. issues

I have been with Rushcard for over 4 years. As of late, they have held my money for over a week and refuse to give me a time frame on when my money will be released. I am a full time college student and have daily expenses that I can not take care of now because they refuse to release my money.

Bankruptcy

I filed a chapter XXXX bankruptcy and it was discharged in 2010. Syncb/Care Credit was included in that bankruptcy and they are still continuing to update and report damaging my credit. By law they can not continue to report and damage someones credit after a discharged bankruptcy.

Credit reporting company's investigation

I sent a letter XXXX XXXX, 2016 asking for an investigation into what I believe are mistakes on my credit report things I do not recall or recognize. It has been 2 months and they have not responded to me. I read on the Internet that they were supposed to answer in 30 days, so now I am very upset.

Cont'd attempts collect debt not owed

We have been making payments for a debt to a company called RJM Acquisitions. Today we received a call from XXXX XXXX, another debt collection agency, claiming they are the actual owners of the debt and that they are suing my husband for nonpayment. We now have to figure out who actually owns this debt and how we recover the fact that we have already paid a debt to a possible scam artist- all while being sued for this very old debt.

Incorrect information on credit report

Experian placed back a Tax Lien which is not mine and was previously deleted as fraudulent. It 's associated with a fraudulent address in XXXX CA. This lien is NOT mine.

Incorrect information on your report

My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.

Incorrect information on your report

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted.

Incorrect information on credit report

I disputed a public record ( tax lien ) that I received letters from the state that they lien was paid and told to forward said letter to the CRAs for withdrawal from my credit report. Instead, I received a letter saying that it would not be removed. In addition to the letter, another lien that never existed populated onto my credit report.

Improper contact or sharing of info

Constant robocalling from Harris & Harris calling to collect money, at minimum XXXX per week from # XXXX and many times after XXXX CT to the point of harassment violating the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act.

Struggling to pay your bill

I contacted XXXX XXXX because I am going through a financial hardship. I asked them to settlement on this amount owed before I am not able to pay for it. The representative told me over the phone WE HAVE NO SETTLEMENTS TO OFFER YOU. I told the representative that I am reaching to them first before it gets too bad. But they were no help at all.

Attempts to collect debt not owed

I reported this item to my credit report, i never new about this debt., nor is this debt mine, i have no knowledge of this amoit and account

Loan modification,collection,foreclosure

My Lender foreclosed on my home after I put it in bankruptcy. They told me it was being transferred.

Dealing with my lender or servicer

My name is XXXX XXXX, I attended XXXX in XXXX, ca. I believe I have genesis loans from XXXX colleges and would like to know if they were included in the CFPB settlement.

Cont'd attempts collect debt not owed

I am not responsible for this bill. This bill is from XXXX medical center and I never go there is always go to XXXX hospital. When I had my kids I went to XXXX. So I 'm not sure how they even got my information. And if I took my kids there which I do n't recall they had XXXX that paid they bill. I will like for this bill to be closed and deleted off my credit report.