determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	sent police report still XXXX XXXX not taking off cra not mine violation of my rights
Money was not available when promised	I have an online account on coinbase.com and sent XXXX euros to that company on XXXX XXXX 2017. Since then it is like my money completely disappeared, it was never credited on my online coinbase account nor refunded to my issuing bank account. Such delay is unacceptable and im starting to think that I was scamed and wo n't see my money again ...
Improper use of your report	on my 3 credit reports shows 3 inquires from Capital One Bank that i do not recognize. Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX
Incorrect information on credit report	The item with XXXX XXXX XXXX is being investigated. The account was opened in XX/XX/XXXX and should be removed in the year of XX/XX/XXXX. It has been XXXX years that this account has been reported.
Problem with a credit reporting company's investigation into an existing problem	all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with XXXX, XXXX and experian countless times with no luck
Loan servicing, payments, escrow account	I have my loan serviced with Green Tree. I have been paying more than the amount due each month that I would expect to be applied to principal, but instead they post it as Unapplied Amount. I have never worked with a less competent services. I 've worked with over XXXX in the past that know how to apply additional payments toward principal. Thus I am paying interest on amounts of principal that I have already paid. This must be illegal.
Incorrect information on credit report	I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given them
Problem with a credit reporting company's investigation into an existing problem	i have a letter from XXXX stating they will contact you guys to remove item. items still exist on my credit report proof will be attached
Improper use of your report	There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.
Confusing or misleading advertising or marketing	I hired Lexington Law Firm to remove questionable and negative items from credit report and paid up front and they never performed work or promises and ask for more money
Problems when you are unable to pay	I called Avant credit today, XXXX/XXXX/15 and was told to speak with debt management. I was transferred to them and the woman hung up on me and did not follow up. I am concerned about this company.
Incorrect information on your report	I submitted a dispute through Experian. {$68.00} was written off and the company ( XXXX XXXX XXXX ) is reporting {$68.00} is past due as of XX/XX/2018. How can that about be past due if it was charged off? The company refuses to remove it from my credit report even though there isn't a balance owed.
Taking/threatening an illegal action	Prior to receiving Earning Withholding Order ( Wage Garnishment ) from this law firm, attorney for : CAVALRY SPV 1, LLC also showed as plaintiff sent a letter to my office where I am a XXXX. As a result of this, my office contacted me to response to this matters. Since I have no knowledge to this issue nor who the originator / party involved. I am hereby request for your assistance as I strongly felt this is a false claim and possibly identity debt.
Loan servicing, payments, escrow account	My refi funded to payoff my current mortgage loan with Pacific Union Financial and I have an escrow and over-payment refund around {$9000.00} dollars. When I call Pacific Union today, they said it will take about 30 days before I will receive my funds. I asked why, and was told this is their policy
Charged fees or interest you didn't expect	XXXX XXXX XXXX gave me an up front payment of {$100000.00} in XXXX XXXX and took back {$290000.00} on XXXX XXXX XXXX . I feel that I was taken advantage of. I am a Veteran and was awarded this money by the Supreme court as a result of the XXXX XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX . Please help a Veteran in need.
Trouble using your card	Capital One has denied me credit by not even following their own guidelines for a credit increase. See attached paperwork for information
Incorrect information on your report	I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.
Managing, opening, or closing account	Rushcard has not deposited my money for the second time last week they did n't do it I had to wait a day for my funds I was n't able to pay my bills at all. Also charging me for fees they never charged me for before
Loan servicing, payments, escrow account	I have a mortgage with M and T Bank for 10 years. The house appriased for XXXX when I bought the house. I am still paying PMI after 10 years I think it should have been taking off when I reach XXXX % LTV {$91000.00} which I am around XXXX now.
Unsolicited issuance of credit card	Received a notice from Bank of America that my credit application had been approved along with a BofA credit card. I have NEVER applied for any type of relationship with BofA.
Deposits and withdrawals	An atm machine error caused my deposit to get lost in the machine. Now it 's taking 2 weeks to complete my cash deposit. Bank is breaking its own deposit agreement. The cash was found to be stuck in the atm machine by the bank.
Closing your account	capital one credit card closed XXXX accounts for no reason. due to the fact they closed the accounts we can not redeem our accumulated points to purchase a new XXXX XXXX product.
Taking/threatening an illegal action	I am call at least 5 times a day and so is my husband I am on XXXX and can not pay at this time they will not accept payments without bank account which I will not give them I have offered to send small monthly payments and they will not accept them
False statements or representation	XXXX XXXX XXXX represented by Credit Collection Services is attempting to collect monies that I feel are not owned. This company has changed the amount of the debt since my last communication with them. But this alleged debt is false. I have mailed documents to this company showing evidence of my position to no avail.
Written notification about debt	Dear CFPB, I am submitting a complaint against XXXX XXXX XXXX. Back in 2014, I had a phone account with XXXX. Last year, XXXX informed me that my account has been sent to XXXX XXXX XXXX. I was not provided written notice of this debt at all in 3 years. According to Florida Law, I was supposed to be provided with written notice of the debt. The company has not contacted me in almost 3 years since then, and the information was reported negatively on my credit report.
Problem with a credit reporting company's investigation into an existing problem	I have notified XXXX several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.
Incorrect information on your report	I have challenged address on my report that doesnt belong to me and they have refused to take them off my credit report.
Cont'd attempts collect debt not owed	I 've received several calls from piedmont credit and collection. They 've even began calling my precious landlord. I finally was just able to get ahold of the company and they had all of my personal info and told me that if I did n't pay {$650.00}, I 'd be served and taken to court. The person just kept saying " well see what the judge has to say. '' This is ridiculous.
Incorrect information on credit report	there are multiple inquiries about XXXX on my credit report that are from years ago that I am telling them that I did not do and they refuse to remove them and this is drastically hurting my credit report
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Problem with a credit reporting company's investigation into an existing problem	I sent a investigation request to XXXX and Trans Union on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.
Dealing with my lender or servicer	My private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments each month.
Written notification about debt	Over the past week I have received multiple calls from what appears to be a debt collector named allied interstate. They do not leave a message, they do not identify themselves. I have received no written communication from them. I am not aware of any debt that could be owed to them. I have had no opportunity to dispute whatever they might be calling about. I don't even know if I am the person they are trying to reach.
Cont'd attempts collect debt not owed	Experian continues years after paying all my medical off to report false information. I have contacted them, XXXX XXXX has contacted them. They continue to ruin my ability to secure financing. All the loans I have are high interest. Please make them stop reporting all my paid accounts as " no status ''. Thank you.
Incorrect information on credit report	I am not aware of this debt, I currently have XXXX, but its a prepaid phone. I have no knowledge when this account was opened. XXXX debt collectors tried to collect on this debt, then closed the account. I want proof or documentation with my signature that I opened an account with this company.
Delinquent account	Paypal has reported me late and I have made payments. They also call all the time. They bother me by calling over and over again. I have been a victim of ID theft and house fire and I need time to get back on my feet.
Trouble during payment process	I complained about Ocwen Servicing harassing phone calls. Once I submitted a claim with the Attorney they began Foreclosure proceedings on my home. I believe I should be protected under the Whistleblowers Act.
Incorrect information on your report	Today, XXXX/XXXX/2017, I noticed that my credit score had dropped from the mid XXXX to XXXX. I ordered a free credit report and found that I was in collections for {$290.00} for a check that bounced to XXXX XXXX XXXX drawn on a bank that I have never had an account with.
Dealing with my lender or servicer	I recently learned that I have a series of FFEL loans in repayment in the amount of {$11000.00} currently serviced by Navient, which is currently being investigated by the U.S. Consumer Financial Protection Bureau. In the XX/XX/2015, I was incorrectly mailed notices for being in default with regard to my loans despite making regular monthly payments.
Trouble during payment process	XXXX XXXX never notified me sending my escrow balance check. I followed up with them repeatedly and their departments are giving me run around. It has been more than month and a half and I am still struggling to resolve the issue. Last I spoke with someone named XXXX from payoff and she rudely denied any responsibility by the bank. I need my escrow balance check mailed ASAP. This bank is managed by absolutely worst people and they have 0 customer care.
Improper use of your report	There are multiple hard inquiries on my Transunion report that are exactly the same, with the same dates. I did not authorize these credit inquiries. At the very least they should be consolidated, if not removed altogether. There are three hard inquiries all from XX/XX/XXXX from XXXX XXXX. There is also one from XX/XX/XXXX from XXXX XXXX XXXX XXXX????? I never authorized this company to pull my report.
Struggling to pay your loan	I am currently behind in payment of my car. I have received several calls a day and today XXXX18 have gotten 2 voicemails about this issue. I am of the understanding that after contact has been made once a day, such as leaving a voicemail, there are to be no other calls made that same day.
Credit reporting company's investigation	I have requested on XXXX occasions now that XXXX remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; XXXX refuses to conduct a proper dispute. Letter is attached from XXXX.
Loan servicing, payments, escrow account	XXXX XXXX bank sold my mortgage and did n't notify me in a timely manner. USBank bought my mortgage and did not notify me in a timely manner.
Transaction issue	XXXX of my customers file a dispute on a transaction after buying a scooter from me and keeping the items. Contact Capital 1 to get my money back on my account and fax proof of purchase and as of today Capital did n't credit my account back. Transaction amount of {$800.00}.
Written notification about debt	I have reviewed my Credit report and found several account unrecognized items from your office ASSET CARE LLC # XXXX, # XXXX, # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
Incorrect information on credit report	Both XXXX and Equifax have my current address listed at I place I have not lived at for over a year. I discovered this after being rejected for a credit card because they could not verify my address. I put in an online dispute form with Equifax & it says it will take a month to resolve, despite uploading a pay stub showing what my current address is. Also, why is XXXX allow to charge me {$10.00} to temporarily lift a credit freeze???? Thank you.
Attempts to collect debt not owed	I have attempted several times to get this collection removed that is from XXXX XXXX XXXX or IC Systems IC. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file. I have the signed copy of the FTC if you need it.
Cont'd attempts collect debt not owed	Complete Collection Service continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.
Can't repay my loan	The company called and left my husband a message stating they were calling to collect a debt. When he returned the call they tried to get him to take care of the debt ( my personal student loan debt, he is by names or responsible for these loans ) and then continued to tell him how many loans they serviced and what the total amount owed was and how many days I was late. I never gave them permission to share that information with him.
Disclosure verification of debt	This debt is not valid. Original creditor falsely marketed with deceptive practices. False debt relief offers.
Incorrect information on credit report	Dispute with Equifax with no results. Company illegal re-aged debt and provide incorrect information on credit report in direct violation of FCRA 623 ( 5 ) ( A ). Account dispute in Question : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX This account has been removed from other credit reporting agencies due to this fact.
Credit reporting company's investigation	I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed ExPERIAN a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.
Closing on a mortgage	Good morning, I have submitted a complaint on XX/XX/XXXX and was assigned Resolution Specialist XXXX XXXX and I informed her that I have signed purchase contract on my property. Closing date is XX/XX/XXXX, and now I have information saying the foreclosure is in mediation process and this is an issue with my titling company. They are unable to reach XXXX to receive a mortgage payoff. Please advise, XXXX XXXX
Incorrect information on credit report	The XXXX Financial Aid, sent letters to XXXX Experian and XXXX XXXX on before XXXX XXXX, 2016 instructing the removal of the defaulted loan negative trade lines. So far, this has been ignored.
Written notification about debt	Company ignored phone request and written request to verify debt yet continues debt collection. I understand that this company must be a poorly run collections agency that is trying to get by, but unfortunately for them they purchased debt that I do n't owe.
Attempts to collect debt not owed	I received a call from XXXX of XXXX XXXX and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to First USA for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.
Problem with a credit reporting company's investigation into an existing problem	I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.
Communication tactics	They call almost daily right after XXXX and other times, and leave robo recorded messages. I have called the number left in the recording and told the agent that they have the wrong number. We have only had this number for a couple of months. The agent assured me they would take our number off the list, but Convergent robocaller keeps calling.
Improper use of your report	1 ) XXXX XXXX ( {$910.00} ) 2 ) Navy Federal Credit Union ( $ UNKNOWN ) 3 ) XXXX XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
Written notification about debt	I currently have a debt for the amount of {$2300.00} with Discover Credit Card Services. I called Discover at XXXX to inquiry about this debt. I was provided this fake phone number XXXX and was unsuccessful in communicating to the agents who would provide the necessary information to start paying this debt.
Struggling to pay your loan	Reported : XXXX XXXX, XXXX XXXX : {$8100.00}
Struggling to repay your loan	XXXX XXXX XXXX has been avoiding my deferment requests. I have a XXXX XXXX loan and my child is currently attending school full-time for an XXXX degree. XXXX & XXXX is not doing their due diligence by not promptly handling my requests. When I call them, they always have a different reason for how I have n't completed the correct forms, but I simply followed the instructions on their website and from their representatives over the phone.
Cont'd attempts collect debt not owed	on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.
Improper use of your report	XXXX XXXX XXXX XXXX WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.
Money was not available when promised	I did a withdrawal ( SEPA transaction to bank account ) of XXXX from coinbase.com on XX/XX/XXXXand the system promised that this money would be on my account on the XX/XX/XXXX, but it still has not arrived. I have submitted a support ticket ( Case # XXXX ) onXX/XX/XXXX but have not gotten a reply. My e-mail i used to register in their system is XXXX.
Taking/threatening an illegal action	XXXX fell behind went to court their lawyer asked if we can settle on agreement I looked over the expense some was wrong we then took some item off the list and made agreement for XXXX which I agree to pay. I then got a letter stating I owe XXXX which was not what I agree to a small claims courtthey have threaten to put on my credit report which as of few weeks ago they did.
False statements or representation	Continues to call after asked for verification. States I will be served or arrested. Continues to call from numerous numbers across the country to mask their company.
Cont'd attempts collect debt not owed	1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.
Problem caused by your funds being low	I attempted to contact the bank as the charge they approved was not authorized and they charged me {$230.00}. I would like this resolved asap. This put a major setback in my life and I feel taken advantage of in this situation and by the bank.
Loan modification,collection,foreclosure	XXXX XXXX acquired a mortgage, fell into some financial hardships and after exhausting her savings was no longer able to make another mortgage payment. She applied for several mortgage modifications unsuccessfully with Wells Fargo. At this point, the borrowers hired an attorney 's office to save their property. After receiving a denial for the modification we submitted, the lender refused us an appeal and has the property on the auction for sale.
Unable to get credit report/credit score	I have been trying to get a credit report from all XXXX bureaus. I have received experian, but i did not recieve on from trans unions or XXXX. They said i have recieved one already even though i have not. If i can get the issue resolved fast I would appreciate it
Incorrect information on your report	XXXX is reporting information supposedly reported by the XXXX XXXX XXXX however, XXXX XXXX contradicts what XXXX assure ( see letter from the court ) XXXX has acted with negligence. Please see attached documents.
Managing the loan or lease	My personal phone was called 12 times in a span of two days from a collections department from PNC bank. My account is in good standing with no historical delinquency. My payment was within the disclosure of the grace wait period. I think the collection practice was unnecessarily aggressive and inappropriate.
Deposits and withdrawals	Citi Bank has garnished my commercial checking account without notification. I have contacted them on the phone and in the branch and no repose so far. The account is also joint with my wife and it has a zero balance after it had {$38000.00} in it. I am a head of a household with XXXX kids and have no funds to feed my family. I have hired a lawyer and still no response. Need urgent resolution.
Incorrect information on your report	XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Contacted them requesting the original signed contract for 2 accounts that are errors. 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX DELETE ALL INFORMATION IS INACCURATE AND THEY HAVE FAILED TO DELETE OFF REPORT FOR 4 YEARS.
Loan servicing, payments, escrow account	we calle d Wells Fargo to get a payoff in full amount to pay of the mortgage, paid it off on Tuesday X/XX/17 to get a phone call from them telling us it was about XXXX short!!!! !!! Then we pay that and they charge a fee!!!!!!!!!! of XXXX ! we are so glad to be done with this horrible company.
Improper use of your report	Equifax was hacked and potentially all personal information needed for identity theft/fraud are likely to have been compromised.
Disclosure verification of debt	I just find out that one of my account was put in collection without my knowledge or notification. I received collections calls on my cell any hours of the day and want this calls to stop immediately. They trying to scare me and intimidates me.
Account opening, closing, or management	Associated Bank locked me out of my account. I declined the XXXX page online user agreement that is a " cash back '' scheme that gives permission for all merchants to call me and solicit me on my private phone. I do not want to participate in their program. They refuse to let me have access to my account this weekend.
Communication tactics	Repeatedly calling my federally issued XXXX number for a XXXX saying that its my final notice, this has been recorded, ect ect.
Attempts to collect debt not owed	Portfolio Recovery has failed to properly update my credit reports to show that they have been paid. I request that Portfolio Recovery update there records with the three major credits bureaus and send me a copy of my XXXX balance letter
Incorrect information on your report	I have paid my final balance with XXXX XXXX and they have said they have requested in XXXX of XX/XX/XXXX to remove the account from my credit report but as of XX/XX/2017 it has still been showing. please rectify the removal of this from my credit report as promised.
Attempts to collect debt not owed	Enhanced Recovery Co has reported a debt that does n't belong to me to my credit report. this debt was initially showing another date and now is reporting as of X/XX/2017 for XXXX for XXXX XXXX, which ive never had. I requested by certified mail that the collection agency validate this debt or delete, once in XXXX and again in XXXX as of today they 've done neither.
Other fee	My husband and I were out of state for a XXXX and were late on a payment to XXXX credit card services.We paid the late charge plus the account in full. Then we receive a bill for XXXX XXXX, 2015 but XXXX has added a {$2.00} interest fee. When I spoke to them, they said they would charge interest for XXXX subsequent account statements despite the bill plus late fee being paid immediately. How can they charge interest when it was paid off already? We have cut up our XXXX. credit cards.
Took or threatened to take negative or legal action	This agency isnt licenced to collect in my state, TN.
Incorrect information on your report	There is a double listing of the same exact account on my credit report. There is two XXXX XXXX that are reported on my Experian credit Report. They are both for the same account. Only 1 should appear on my credit not two ..
Problem with a purchase shown on your statement	There is a fraud charge on my citi XXXX Visa card in the amount of {$3200.00} from simplex. I called Citi several times and they are still no help. There was two fraud charges from simplex on my account but the one they refunded me on, the other fraud charge they are refusing too even though both are fraud and Ive told them that several times.
Attempts to collect debt not owed	Had Medicaid insurance. Medicaid stated they only have three months to submit claim. We gave them all of the information. At one point this company had four different collections on my credit report that were not correct. They were all removed and now a year and a half later one has popped back up
Improper use of your report	CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.
False statements or representation	I was called by my cell and home phone about an hfc account that was charged off in XX/XX/XXXX. Statue of limitations ran out on XX/XX/XXXX. No payment agreement or payments of any kind by me have been made since XX/XX/XXXX. When I told this man this he began to threaten me and verbally say four letter words. And now they 're calling again on XX/XX/XXXX at XXXX XXXX?
Account opening, closing, or management	Citibank put a hold on the bank account without notice and said that the address on file was a Post Office or Post Office Box. This is not true. Citibank has returned items and the account has over {$12000.00} in it. No one is helping release the hold. The account has been opened for XXXX years.
Incorrect information on your report	I sent a certified letter to Transunion and XXXX including my FTC ID theft form to Transunion and XXXX certified. The accounts that are listed they have verified as accurate, per law section 605b any fraudulent accounts or inquiries listed must be removed without a dispute and blocked within 4 days of receiving the notice. Transunion and XXXX has failed to abide by this law and continues to report inaccurate information on my credit report.
False statements or representation	Transunion is back reporting an account that has been deleted, The company is XXXX XXXX. A few weeks back Transunion removed this account I have documents ; nowXX/XX/XXXX I get a email saying Transunion is back reporting it! This company doesnt do investigations throughly either how are you going to take a account off then allow this company to put it back on!!! CFPB look into this!!
Application, originator, mortgage broker	Equifax Mortgage Services ( EMS ) made a hard inquiry on my credit report with Equifax , XXXX and XXXX. I did not authorized anyone employed by Equifax Mortgage Services to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Incorrect information on credit report	Inaccurate information on credit report XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016
Improper use of your report	On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.
Improper contact or sharing of info	The XXXX XXXX XXXX are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.
Disclosure verification of debt	I have not received enough information to verify the debt. I have repeatedly request proof of debt, they only have the statement but nothing else. I have disputed this information and they continue to say that the debt is mine without proof.
Loan servicing, payments, escrow account	I made an application for an interest rate modification from M & T Bank. The home values in my area are below my mortgage balance. I tried XXXX toget them to adjust my interest rate to reflect the market, they have refused on both occasions.

Incorrect information on your report

sent police report still XXXX XXXX not taking off cra not mine violation of my rights

Money was not available when promised

I have an online account on coinbase.com and sent XXXX euros to that company on XXXX XXXX 2017. Since then it is like my money completely disappeared, it was never credited on my online coinbase account nor refunded to my issuing bank account. Such delay is unacceptable and im starting to think that I was scamed and wo n't see my money again ...

Improper use of your report

on my 3 credit reports shows 3 inquires from Capital One Bank that i do not recognize. Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX

Incorrect information on credit report

The item with XXXX XXXX XXXX is being investigated. The account was opened in XX/XX/XXXX and should be removed in the year of XX/XX/XXXX. It has been XXXX years that this account has been reported.

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

all three credit burea have all avoided proof to change the situation on my credit report. XXXX is inaccurately reporting on my credit report, i have disputed with XXXX, XXXX and experian countless times with no luck

Loan servicing, payments, escrow account

I have my loan serviced with Green Tree. I have been paying more than the amount due each month that I would expect to be applied to principal, but instead they post it as Unapplied Amount. I have never worked with a less competent services. I 've worked with over XXXX in the past that know how to apply additional payments toward principal. Thus I am paying interest on amounts of principal that I have already paid. This must be illegal.

Incorrect information on credit report

I have several accounts that are listed with this bureau that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed and the bureau refused to remove the items with the information I have given them

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

i have a letter from XXXX stating they will contact you guys to remove item. items still exist on my credit report proof will be attached

Improper use of your report

There are inquiries on my report that I did not authorize. I also have information on my credit report that is still reporting after multiple request to send verifiable proof. I have not received verifiable proof of these accounts and I would like this information removed.

Confusing or misleading advertising or marketing

I hired Lexington Law Firm to remove questionable and negative items from credit report and paid up front and they never performed work or promises and ask for more money

Problems when you are unable to pay

I called Avant credit today, XXXX/XXXX/15 and was told to speak with debt management. I was transferred to them and the woman hung up on me and did not follow up. I am concerned about this company.

Incorrect information on your report

I submitted a dispute through Experian. {$68.00} was written off and the company ( XXXX XXXX XXXX ) is reporting {$68.00} is past due as of XX/XX/2018. How can that about be past due if it was charged off? The company refuses to remove it from my credit report even though there isn't a balance owed.

Taking/threatening an illegal action

Prior to receiving Earning Withholding Order ( Wage Garnishment ) from this law firm, attorney for : CAVALRY SPV 1, LLC also showed as plaintiff sent a letter to my office where I am a XXXX. As a result of this, my office contacted me to response to this matters. Since I have no knowledge to this issue nor who the originator / party involved. I am hereby request for your assistance as I strongly felt this is a false claim and possibly identity debt.

Loan servicing, payments, escrow account

My refi funded to payoff my current mortgage loan with Pacific Union Financial and I have an escrow and over-payment refund around {$9000.00} dollars. When I call Pacific Union today, they said it will take about 30 days before I will receive my funds. I asked why, and was told this is their policy

Charged fees or interest you didn't expect

XXXX XXXX XXXX gave me an up front payment of {$100000.00} in XXXX XXXX and took back {$290000.00} on XXXX XXXX XXXX . I feel that I was taken advantage of. I am a Veteran and was awarded this money by the Supreme court as a result of the XXXX XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX . Please help a Veteran in need.

Trouble using your card

Capital One has denied me credit by not even following their own guidelines for a credit increase. See attached paperwork for information

Incorrect information on your report

I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

Managing, opening, or closing account

Rushcard has not deposited my money for the second time last week they did n't do it I had to wait a day for my funds I was n't able to pay my bills at all. Also charging me for fees they never charged me for before

Loan servicing, payments, escrow account

I have a mortgage with M and T Bank for 10 years. The house appriased for XXXX when I bought the house. I am still paying PMI after 10 years I think it should have been taking off when I reach XXXX % LTV {$91000.00} which I am around XXXX now.

Unsolicited issuance of credit card

Received a notice from Bank of America that my credit application had been approved along with a BofA credit card. I have NEVER applied for any type of relationship with BofA.

Deposits and withdrawals

An atm machine error caused my deposit to get lost in the machine. Now it 's taking 2 weeks to complete my cash deposit. Bank is breaking its own deposit agreement. The cash was found to be stuck in the atm machine by the bank.

Closing your account

capital one credit card closed XXXX accounts for no reason. due to the fact they closed the accounts we can not redeem our accumulated points to purchase a new XXXX XXXX product.

Taking/threatening an illegal action

I am call at least 5 times a day and so is my husband I am on XXXX and can not pay at this time they will not accept payments without bank account which I will not give them I have offered to send small monthly payments and they will not accept them

False statements or representation

XXXX XXXX XXXX represented by Credit Collection Services is attempting to collect monies that I feel are not owned. This company has changed the amount of the debt since my last communication with them. But this alleged debt is false. I have mailed documents to this company showing evidence of my position to no avail.

Written notification about debt

Dear CFPB, I am submitting a complaint against XXXX XXXX XXXX. Back in 2014, I had a phone account with XXXX. Last year, XXXX informed me that my account has been sent to XXXX XXXX XXXX. I was not provided written notice of this debt at all in 3 years. According to Florida Law, I was supposed to be provided with written notice of the debt. The company has not contacted me in almost 3 years since then, and the information was reported negatively on my credit report.

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

I have notified XXXX several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.

Incorrect information on your report

I have challenged address on my report that doesnt belong to me and they have refused to take them off my credit report.

Cont'd attempts collect debt not owed

I 've received several calls from piedmont credit and collection. They 've even began calling my precious landlord. I finally was just able to get ahold of the company and they had all of my personal info and told me that if I did n't pay {$650.00}, I 'd be served and taken to court. The person just kept saying " well see what the judge has to say. '' This is ridiculous.

Incorrect information on credit report

there are multiple inquiries about XXXX on my credit report that are from years ago that I am telling them that I did not do and they refuse to remove them and this is drastically hurting my credit report

Incorrect information on your report

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

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

I sent a investigation request to XXXX and Trans Union on XX/XX/XXXX. Well over 30 days have passed, and I still do n't have a response back from either.

Dealing with my lender or servicer

My private student loan ( Sallie Mae ) is at 12.75 % yet on the web site they offer student loans from 2.5 % to 9.59 % i have called numerous times to try and get my student loan interest rate reduced so that i can afford making the payments each month.

Written notification about debt

Over the past week I have received multiple calls from what appears to be a debt collector named allied interstate. They do not leave a message, they do not identify themselves. I have received no written communication from them. I am not aware of any debt that could be owed to them. I have had no opportunity to dispute whatever they might be calling about. I don't even know if I am the person they are trying to reach.

Cont'd attempts collect debt not owed

Experian continues years after paying all my medical off to report false information. I have contacted them, XXXX XXXX has contacted them. They continue to ruin my ability to secure financing. All the loans I have are high interest. Please make them stop reporting all my paid accounts as " no status ''. Thank you.

Incorrect information on credit report

I am not aware of this debt, I currently have XXXX, but its a prepaid phone. I have no knowledge when this account was opened. XXXX debt collectors tried to collect on this debt, then closed the account. I want proof or documentation with my signature that I opened an account with this company.

Delinquent account

Paypal has reported me late and I have made payments. They also call all the time. They bother me by calling over and over again. I have been a victim of ID theft and house fire and I need time to get back on my feet.

Trouble during payment process

I complained about Ocwen Servicing harassing phone calls. Once I submitted a claim with the Attorney they began Foreclosure proceedings on my home. I believe I should be protected under the Whistleblowers Act.

Incorrect information on your report

Today, XXXX/XXXX/2017, I noticed that my credit score had dropped from the mid XXXX to XXXX. I ordered a free credit report and found that I was in collections for {$290.00} for a check that bounced to XXXX XXXX XXXX drawn on a bank that I have never had an account with.

Dealing with my lender or servicer

I recently learned that I have a series of FFEL loans in repayment in the amount of {$11000.00} currently serviced by Navient, which is currently being investigated by the U.S. Consumer Financial Protection Bureau. In the XX/XX/2015, I was incorrectly mailed notices for being in default with regard to my loans despite making regular monthly payments.

Trouble during payment process

XXXX XXXX never notified me sending my escrow balance check. I followed up with them repeatedly and their departments are giving me run around. It has been more than month and a half and I am still struggling to resolve the issue. Last I spoke with someone named XXXX from payoff and she rudely denied any responsibility by the bank. I need my escrow balance check mailed ASAP. This bank is managed by absolutely worst people and they have 0 customer care.

Improper use of your report

There are multiple hard inquiries on my Transunion report that are exactly the same, with the same dates. I did not authorize these credit inquiries. At the very least they should be consolidated, if not removed altogether. There are three hard inquiries all from XX/XX/XXXX from XXXX XXXX. There is also one from XX/XX/XXXX from XXXX XXXX XXXX XXXX????? I never authorized this company to pull my report.

Struggling to pay your loan

I am currently behind in payment of my car. I have received several calls a day and today XXXX18 have gotten 2 voicemails about this issue. I am of the understanding that after contact has been made once a day, such as leaving a voicemail, there are to be no other calls made that same day.

Credit reporting company's investigation

I have requested on XXXX occasions now that XXXX remove inaccurate information from my account regarding XXXX. XXXX has sent a letter confirming that it has requested the account to be deleted from my credit report however ; XXXX refuses to conduct a proper dispute. Letter is attached from XXXX.

Loan servicing, payments, escrow account

XXXX XXXX bank sold my mortgage and did n't notify me in a timely manner. USBank bought my mortgage and did not notify me in a timely manner.

Transaction issue

XXXX of my customers file a dispute on a transaction after buying a scooter from me and keeping the items. Contact Capital 1 to get my money back on my account and fax proof of purchase and as of today Capital did n't credit my account back. Transaction amount of {$800.00}.

Written notification about debt

I have reviewed my Credit report and found several account unrecognized items from your office ASSET CARE LLC # XXXX, # XXXX, # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.

Incorrect information on credit report

Both XXXX and Equifax have my current address listed at I place I have not lived at for over a year. I discovered this after being rejected for a credit card because they could not verify my address. I put in an online dispute form with Equifax & it says it will take a month to resolve, despite uploading a pay stub showing what my current address is. Also, why is XXXX allow to charge me {$10.00} to temporarily lift a credit freeze???? Thank you.

Attempts to collect debt not owed

I have attempted several times to get this collection removed that is from XXXX XXXX XXXX or IC Systems IC. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file. I have the signed copy of the FTC if you need it.

Cont'd attempts collect debt not owed

Complete Collection Service continues to post debt that has previously been REMOVED! Many agencies continue this process of adding, I continue to dispute them, they get removed, then reappear under a different name ( XXXX XXXX, XXXX, XXXX, XXXX ). Some have even changed the name of the original creditor.

Can't repay my loan

The company called and left my husband a message stating they were calling to collect a debt. When he returned the call they tried to get him to take care of the debt ( my personal student loan debt, he is by names or responsible for these loans ) and then continued to tell him how many loans they serviced and what the total amount owed was and how many days I was late. I never gave them permission to share that information with him.

Disclosure verification of debt

This debt is not valid. Original creditor falsely marketed with deceptive practices. False debt relief offers.

Incorrect information on credit report

Dispute with Equifax with no results. Company illegal re-aged debt and provide incorrect information on credit report in direct violation of FCRA 623 ( 5 ) ( A ). Account dispute in Question : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX This account has been removed from other credit reporting agencies due to this fact.

Credit reporting company's investigation

I am trying to get my credit report fixed and I was told that the bureaus have 30 days to respond, I mailed ExPERIAN a letter on XX/XX/XXXX and have yet to hear from them. I am not going to continue to waste my time on this so please help me. My main concerns are in the letter that I have attached to the complaint.

Closing on a mortgage

Good morning, I have submitted a complaint on XX/XX/XXXX and was assigned Resolution Specialist XXXX XXXX and I informed her that I have signed purchase contract on my property. Closing date is XX/XX/XXXX, and now I have information saying the foreclosure is in mediation process and this is an issue with my titling company. They are unable to reach XXXX to receive a mortgage payoff. Please advise, XXXX XXXX

Incorrect information on credit report

The XXXX Financial Aid, sent letters to XXXX Experian and XXXX XXXX on before XXXX XXXX, 2016 instructing the removal of the defaulted loan negative trade lines. So far, this has been ignored.

Written notification about debt

Company ignored phone request and written request to verify debt yet continues debt collection. I understand that this company must be a poorly run collections agency that is trying to get by, but unfortunately for them they purchased debt that I do n't owe.

Attempts to collect debt not owed

I received a call from XXXX of XXXX XXXX and in an aggressive manner she stated I owed a debt for someone I co-signed for. I have not co-signed a loan with anyone other than my husband in well over 10 years. I tried to ask for something in writing but she would not answer any of my questions. She did state the debt was to First USA for over XXXX. The phone number on my caller ID was XXXX and I received another call shortly after from XXXX.

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

I was billed for items I never received. I was charged late fees and finance charges for them. I have been disputing this constantly with the company since XXXX.2015. I have filed an FTC complaint as it is illegal.

Communication tactics

They call almost daily right after XXXX and other times, and leave robo recorded messages. I have called the number left in the recording and told the agent that they have the wrong number. We have only had this number for a couple of months. The agent assured me they would take our number off the list, but Convergent robocaller keeps calling.

Improper use of your report

1 ) XXXX XXXX ( {$910.00} ) 2 ) Navy Federal Credit Union ( $ UNKNOWN ) 3 ) XXXX XXXX XXXX ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.

Written notification about debt

I currently have a debt for the amount of {$2300.00} with Discover Credit Card Services. I called Discover at XXXX to inquiry about this debt. I was provided this fake phone number XXXX and was unsuccessful in communicating to the agents who would provide the necessary information to start paying this debt.

Struggling to pay your loan

Reported : XXXX XXXX, XXXX XXXX : {$8100.00}

Struggling to repay your loan

XXXX XXXX XXXX has been avoiding my deferment requests. I have a XXXX XXXX loan and my child is currently attending school full-time for an XXXX degree. XXXX & XXXX is not doing their due diligence by not promptly handling my requests. When I call them, they always have a different reason for how I have n't completed the correct forms, but I simply followed the instructions on their website and from their representatives over the phone.

Cont'd attempts collect debt not owed

on XX/XX/2016 I sent a debt validation letter requesting alleged balance including calculation, proof that the account is correct, documents showing I agreed to pay this debt and agreement that grants authority to collect this debt. I have not received any response from them.

Improper use of your report

XXXX XXXX XXXX XXXX WAS SUPPOSE TO REMOVE ALL HARD INQUIRIES THEY LEFT ONE DATED XX/XX/2016.

Money was not available when promised

I did a withdrawal ( SEPA transaction to bank account ) of XXXX from coinbase.com on XX/XX/XXXXand the system promised that this money would be on my account on the XX/XX/XXXX, but it still has not arrived. I have submitted a support ticket ( Case # XXXX ) onXX/XX/XXXX but have not gotten a reply. My e-mail i used to register in their system is XXXX.

Taking/threatening an illegal action

XXXX fell behind went to court their lawyer asked if we can settle on agreement I looked over the expense some was wrong we then took some item off the list and made agreement for XXXX which I agree to pay. I then got a letter stating I owe XXXX which was not what I agree to a small claims courtthey have threaten to put on my credit report which as of few weeks ago they did.

False statements or representation

Continues to call after asked for verification. States I will be served or arrested. Continues to call from numerous numbers across the country to mask their company.

Cont'd attempts collect debt not owed

1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. 2. This information was also shared illegally ( third party ) without my informed consent.

Problem caused by your funds being low

I attempted to contact the bank as the charge they approved was not authorized and they charged me {$230.00}. I would like this resolved asap. This put a major setback in my life and I feel taken advantage of in this situation and by the bank.

Loan modification,collection,foreclosure

XXXX XXXX acquired a mortgage, fell into some financial hardships and after exhausting her savings was no longer able to make another mortgage payment. She applied for several mortgage modifications unsuccessfully with Wells Fargo. At this point, the borrowers hired an attorney 's office to save their property. After receiving a denial for the modification we submitted, the lender refused us an appeal and has the property on the auction for sale.

Unable to get credit report/credit score

I have been trying to get a credit report from all XXXX bureaus. I have received experian, but i did not recieve on from trans unions or XXXX. They said i have recieved one already even though i have not. If i can get the issue resolved fast I would appreciate it

Incorrect information on your report

XXXX is reporting information supposedly reported by the XXXX XXXX XXXX however, XXXX XXXX contradicts what XXXX assure ( see letter from the court ) XXXX has acted with negligence. Please see attached documents.

Managing the loan or lease

My personal phone was called 12 times in a span of two days from a collections department from PNC bank. My account is in good standing with no historical delinquency. My payment was within the disclosure of the grace wait period. I think the collection practice was unnecessarily aggressive and inappropriate.

Deposits and withdrawals

Citi Bank has garnished my commercial checking account without notification. I have contacted them on the phone and in the branch and no repose so far. The account is also joint with my wife and it has a zero balance after it had {$38000.00} in it. I am a head of a household with XXXX kids and have no funds to feed my family. I have hired a lawyer and still no response. Need urgent resolution.

Incorrect information on your report

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Contacted them requesting the original signed contract for 2 accounts that are errors. 1. XXXX XXXX # XXXX 2. XXXX XXXX # XXXX DELETE ALL INFORMATION IS INACCURATE AND THEY HAVE FAILED TO DELETE OFF REPORT FOR 4 YEARS.

Loan servicing, payments, escrow account

we calle d Wells Fargo to get a payoff in full amount to pay of the mortgage, paid it off on Tuesday X/XX/17 to get a phone call from them telling us it was about XXXX short!!!! !!! Then we pay that and they charge a fee!!!!!!!!!! of XXXX ! we are so glad to be done with this horrible company.

Improper use of your report

Equifax was hacked and potentially all personal information needed for identity theft/fraud are likely to have been compromised.

Disclosure verification of debt

I just find out that one of my account was put in collection without my knowledge or notification. I received collections calls on my cell any hours of the day and want this calls to stop immediately. They trying to scare me and intimidates me.

Account opening, closing, or management

Associated Bank locked me out of my account. I declined the XXXX page online user agreement that is a " cash back '' scheme that gives permission for all merchants to call me and solicit me on my private phone. I do not want to participate in their program. They refuse to let me have access to my account this weekend.

Communication tactics

Repeatedly calling my federally issued XXXX number for a XXXX saying that its my final notice, this has been recorded, ect ect.

Attempts to collect debt not owed

Portfolio Recovery has failed to properly update my credit reports to show that they have been paid. I request that Portfolio Recovery update there records with the three major credits bureaus and send me a copy of my XXXX balance letter

Incorrect information on your report

I have paid my final balance with XXXX XXXX and they have said they have requested in XXXX of XX/XX/XXXX to remove the account from my credit report but as of XX/XX/2017 it has still been showing. please rectify the removal of this from my credit report as promised.

Attempts to collect debt not owed

Enhanced Recovery Co has reported a debt that does n't belong to me to my credit report. this debt was initially showing another date and now is reporting as of X/XX/2017 for XXXX for XXXX XXXX, which ive never had. I requested by certified mail that the collection agency validate this debt or delete, once in XXXX and again in XXXX as of today they 've done neither.

Other fee

My husband and I were out of state for a XXXX and were late on a payment to XXXX credit card services.We paid the late charge plus the account in full. Then we receive a bill for XXXX XXXX, 2015 but XXXX has added a {$2.00} interest fee. When I spoke to them, they said they would charge interest for XXXX subsequent account statements despite the bill plus late fee being paid immediately. How can they charge interest when it was paid off already? We have cut up our XXXX. credit cards.

Took or threatened to take negative or legal action

This agency isnt licenced to collect in my state, TN.

Incorrect information on your report

There is a double listing of the same exact account on my credit report. There is two XXXX XXXX that are reported on my Experian credit Report. They are both for the same account. Only 1 should appear on my credit not two ..

Problem with a purchase shown on your statement

There is a fraud charge on my citi XXXX Visa card in the amount of {$3200.00} from simplex. I called Citi several times and they are still no help. There was two fraud charges from simplex on my account but the one they refunded me on, the other fraud charge they are refusing too even though both are fraud and Ive told them that several times.

Attempts to collect debt not owed

Had Medicaid insurance. Medicaid stated they only have three months to submit claim. We gave them all of the information. At one point this company had four different collections on my credit report that were not correct. They were all removed and now a year and a half later one has popped back up

Improper use of your report

CRA VIOLATION / TOO MANY INQUIRIES NOT AUTHORIZED BY ME / CRA VIOLATION ACCOUNT NEVER LATE.

False statements or representation

I was called by my cell and home phone about an hfc account that was charged off in XX/XX/XXXX. Statue of limitations ran out on XX/XX/XXXX. No payment agreement or payments of any kind by me have been made since XX/XX/XXXX. When I told this man this he began to threaten me and verbally say four letter words. And now they 're calling again on XX/XX/XXXX at XXXX XXXX?

Account opening, closing, or management

Citibank put a hold on the bank account without notice and said that the address on file was a Post Office or Post Office Box. This is not true. Citibank has returned items and the account has over {$12000.00} in it. No one is helping release the hold. The account has been opened for XXXX years.

Incorrect information on your report

I sent a certified letter to Transunion and XXXX including my FTC ID theft form to Transunion and XXXX certified. The accounts that are listed they have verified as accurate, per law section 605b any fraudulent accounts or inquiries listed must be removed without a dispute and blocked within 4 days of receiving the notice. Transunion and XXXX has failed to abide by this law and continues to report inaccurate information on my credit report.

False statements or representation

Transunion is back reporting an account that has been deleted, The company is XXXX XXXX. A few weeks back Transunion removed this account I have documents ; nowXX/XX/XXXX I get a email saying Transunion is back reporting it! This company doesnt do investigations throughly either how are you going to take a account off then allow this company to put it back on!!! CFPB look into this!!

Application, originator, mortgage broker

Equifax Mortgage Services ( EMS ) made a hard inquiry on my credit report with Equifax , XXXX and XXXX. I did not authorized anyone employed by Equifax Mortgage Services to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Incorrect information on credit report

Inaccurate information on credit report XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Experian credit report prepared for XXXX XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016

Improper use of your report

On Friday XX/XX/18 I got copy of me credit report and notice some things on my report that I didn't apply for. I called credit bureau and told them about my credit, and they said they would take it off, but when i got a copy of me undated report the inquiries were still on.

Improper contact or sharing of info

The XXXX XXXX XXXX are repeatedly contacting my phone, my employers, and the landlord of the house I am renting. They call up to XXXX times a day re : a collection. This has now become a problem with my employers and the phone calls need to stop before I get fired because of them harassing my boss.

Disclosure verification of debt

I have not received enough information to verify the debt. I have repeatedly request proof of debt, they only have the statement but nothing else. I have disputed this information and they continue to say that the debt is mine without proof.

Loan servicing, payments, escrow account

I made an application for an interest rate modification from M & T Bank. The home values in my area are below my mortgage balance. I tried XXXX toget them to adjust my interest rate to reflect the market, they have refused on both occasions.