determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
APR or interest rate	Capital One promised a low interest rate that was never honored and then increased interest rate over 24 %. I just want this predator deceptive Bank removed from XXXX, XXXX & XXXX or willing to share with Congressman XXXX XXXX and speak in XXXX, and discuss how Big Banks appear to be Untouchable!
Getting a loan	XXXX closed in XX/XX/2016 and over charged me on my loans. The school no longer exists. XXXX took over and now I have to pay out of my pocket XXXX dollars to complete my course
Loan modification,collection,foreclosure	Not applying whatever payment I send to my account. Holding it so that a full amount is received & then posting it to my account.
Communication tactics	Midland Funding Credit Management continues to call in reference to a debt that was settled last year XX/XX/2016. Receiving several calls a day from different numbers.
Attempts to collect debt not owed	I called on XXXX/XXXX/XXXX to dispute a debt that they were trying to collect. The representative I spoke with was condescending and tried to make it seem like there is no way I could be telling the truth. Then tried to tell me that I couldnt dispute the debt unless I sent them proof that I had not purchased the gym membership to a XXXX XXXX XXXX I refused.
Cont'd attempts collect debt not owed	XXXX said I owed XXXX to their company for services. I have never had XXXX XXXX.. I had this account removed from my credit bureau. They have since sold the account two other times to different collection companies who in turn keep putting this as a collection account on my credit reports
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Identity theft / Fraud / Embezzlement	I have disputed this account several times with Capital One. I have informed them that this account was a result of identity theft. I sent Capital One a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.
Attempts to collect debt not owed	I sent a debt validation letter and they replied that they could n't find any account with my name on it but they are reporting to XXXX that I owe a debt to them
Charged fees or interest I didn't expect	It was {$350.00} when I borrowed {$300.00} for a payday loan and I also have a XXXX title loan from the same place for XXXX
Communication tactics	Company was told by attorney not to contact me or my sister. This was done in writing. They continue to call me sister after they received this notice. They have not contacted my attorney
Incorrect information on credit report	I have request validation of this account many time and never received it Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] from XXXX XXXX and have notified Trans Union of XXXX XXXX noncompliance I do n't know who this account belong to. This is how Trans Union report this account. I ask that this account be deleted from my credit report
Credit monitoring or identity theft protection services	I contacted Experian via Credit Check total 2 months ago to cancel my free trial membership and was told I would not be charged anything. On Friday the XX/XX/XXXX my card was charged for 2 months while I was out of town on a family vacation. I have called everyday since then and spent hours on hold and cant get through to anyone. I have also emailed asking for help. I want my money back. My account # is XXXX.
Improper use of your report	Experian unlawfully shared my personal information with others without my consent as a revenge for reporting them to the CFPB
Attempts to collect debt not owed	I contacted XXXX on XXXX XXXX, 2017, and I contacted the collection company I.C. Systems in XXXX XXXX 2017, asking for proof that this was my debt. I asked for a signed contract or invoice of some kind. The company who claims I owe them is called XXXX and does business out of Alabama and Florida. They would NOT provide any proof whatsoever, but maintain the debt is mine and will not remove it from my credit report. The amount of the debt reported is {$1300.00}
Cont'd attempts collect debt not owed	I was told by Medical Business Bureau that once I paid this account in full and not a settlement it would be deleted from my credit report. Instead of deleting it, they still listed it on my credit report as paid. My maiden name was XXXX XXXX.
Money was not available when promised	I purchased digital currency from Coinbase.com on XX/XX/XXXX/XX/XX/XXXX respectively. They have taken my money ( {$1400.00} ) but have not issued said currency ( Ethereum ).
Incorrect information on credit report	information on criminal background check does not belong to me and is reported through First Advantage this is holding about a career opportunity and needs to be cleared up immediately
Problems caused by my funds being low	US Bank has bumped up their overdraft charge to an astronomical level. I balanced my checkbook wrong and had XXXX checks bounce. I ended up with charges of {$140.00}. I have a very long history with this bank and have rarely ( maybe once ) bounced a check before. I sent a letter asking for a reduction in the fees and never heard back from them.
Improper use of your report	NAVIENT This loan was paid off. Reinvestigate and erase please.
Improper contact or sharing of info	I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.
Loan servicing, payments, escrow account	Seneca Mortgage only provided service to 33 % of our property for the first year we were with them, including failed to pay ( but collected ) county property taxes from escrow. We did not know this until our county sent us a late bill and fine for failure to pay property taxes on XXXX of the XXXX lots that Seneca was supposedly serving. We notified Seneca and the issue was not resolved for over 6 months.
Incorrect information on credit report	Equifax, they have pulled this info from a 3rd party and the court verified w me that they do not report to credit bureaus and therefore must be deleted
Incorrect information on your report	Equifax & XXXX XXXX shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied. I 've checked my credit report. And it shows everything is closed besides a student loan of XXXX who 's payments are current. Why em i being denied as if I have some collection issues
Incorrect information on your report	A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.
Credit reporting company's investigation	I have contacted Transunion to dispute the account XXXX XXXX XXXX XXXX because the account is not mines and I was told over the phone & in writing that the account is factual and is going to stay on my credit file. There was no investigation into the matter and basically told in 5 minute s over the phone there is nothey that they can do and to contact the original creditor.
Trouble using your card	My credit card was restricted for no explanation from Wells Fargo, and I need to unblock it.
Credit reporting company's investigation	Experian is blocking my attempts to dispute entries on the credit file they keep on me stating that they are previously verified. Things change and/or are incorrect on it but I can not even correct anything because of them. This is illegal and they have been routinely doing this to the public for a few years now, please help.
Billing disputes	Capital one could n't find a record of the card in question
Cont'd attempts collect debt not owed	I am being contacted that I owe a company money who I never heard of, it is for a product I bought once but paid then and there so I 'm confused to the price of what it is saying i owe.
Getting a credit card	I have been incarcerated since XXXX/XXXX/XXXX I have inquiries on my credit report
Loan modification,collection,foreclosure	I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I HAVE APPLIED FOR MORTGAGE ASSISTANCE AND I BELIEVE THAT MY SERVICER, SLECT PORTFOLIO SERVICING ( SPS ), DECLINED MY REQUEST. SUBSEQUENTLY I APPLIED FOR A SHORT PAY. SPS WAS PROCESSING MY SHORT PAY REQUEST AND WHILE PROCESSING MY REQUEST, SPS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2015. NO WRITTEN DECISION ON THE SHORT PAY REQUEST HAS BEEN ISSUED BY SPS.
Improper contact or sharing of info	XXXX Collection Associates XXXX XXXX reported misinformation on a bill. The actual amount, that were paid, the actual amount of the bill, etc.
Cont'd attempts collect debt not owed	I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services
Incorrect information on your report	I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX XXXX XXXX! Is my ONLY address
Disclosure verification of debt	I have requested debt validation information from Ability Recovery Services and they have failed to send me any information. They are reporting this on my credit report and damaging my ability to secure credit.
Incorrect information on your report	Accounts with debt collector that have no relationship with or never done business with.
Trouble during payment process	I have been asking for like 10 years, yes years, for the balance my escrow had in it when it was transferred from Washington Mutual Bank to Chase Bank. They have sent me everything but what I have asked for .... the ending figure that was to be transferred that Washington Mutual had.
Closing on a mortgage	During the closing process of home loan our lender was late on closing and told us he would pay for the late fees ( per diem charges ) After closing of escrow we did not receive reimbursement for those fees. We submitted a complaint and the lender responded stating those fees were reimbursed to us through our realtor which is just not true. This is an attempt to recover fees XXXX XXXX from XXXX XXXX said he would pay for.
Advertising and marketing	XXXX partnered with Citi to issue a branded credit card. One of the benefits of the card is priority boarding. After reading the fine print, I applied, was approved, I received and used the card in accordance with their rules. I am now taking a trip, and I do not have the priority boarding. They tell me I had to purchase the ticket with the branded Citi credit card. However, there is nothing I can see in their fine print saying that.
Incorrect information on your report	THIS IS THE 3RD TIME THAT I HAVE ASKED EXPERIAN TO REMOVE ALL INCORRECT ADDRESS FROM FROM MY CREDIT PROFILE. IT IS AGAINST THE FAIR CREDIT REPORT ACT TO REPORT INACCURATE, AND ALL INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY.
Incorrect information on credit report	As it is. Im not sure how the Identity theft gained access to my credit report and personal information such as my personal accounts ssn, dob, and etc. Experian refuse to investigate the nature of this issue properly. Experian only sends my personal information to the orginal creditors, debt collection and etc to verify those items. Experian do not issue an accurate investigation. Im Irate! Please Help get this matter resolved soon. Thanks!
Improper contact or sharing of info	GC Services called multiple times to my work, discussed some debt that I am not aware of with my company receptionist ; they also contacted HR department in regarding to debt info and claimed that they are calling from the government and will garnish my wages.
Problem with a credit reporting company's investigation into an existing problem	I have contacted Experian to get erroneous negative information removed from my credit report for a company, XXXX XXXX XXXX, for which I have no knowledge. Experian says they have received certification as to accuracy but this is impossible as I have no knowledge of the account for which the company is trying to collect. Experian does not provide any details or contact information to get this matter cleared up.
Managing an account	Violation of my individual ( rights ) due process in banking.
Disclosure verification of debt	I dispute the validity of this debt.This debt is not valid.I am requesting XXXX to obtain verification of debt. Please also include method of verification. ( a ) The name of the original creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The Address : ( d ) The telephone number ; and ( e ) The documentation used to verify the debt Address of this Complaint- XXXX , CA.XXXX Loan Number of this Complaint- XXXX
Attempts to collect debt not owed	my student loans were originally thru sallie mae they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, XXXX, and federal student loan website. portfolio recovery says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to portfolio recovery, which they didn't accept for proof of pay off.
Cont'd attempts collect debt not owed	Penn Credit ( previous case XXXX ) is attempting to collect a debt again that is not mine. I have gone thru this over and over numerous times over several years. Every time I challenge them, they can not prove the debt is mine and they remove from my credit for a few months and then try again. I currently only have a debt collection letter from them. How do I stop these repeat attempts?
Cont'd attempts collect debt not owed	Despite filing XXXX with CFPB and no valid verification being provided as to the origination of this alleged debt ( no signature bearing documentation provided, or ANY documentation ), this Midwest Recovery Systems entry continues to remain on my credit report.
Fees or interest	hi my credit card company charges 2 time interest every month 1 they take from my credit cart automatic.other one i have to pay minimum payment every month, XXXX/XXXX/XXXX they took XXXX INTERESTCHARGE ON PURCHASES {$190.00} this amount they took from my credit card, and i paid monthly minimum amount.they do not have to take 2 time interest please help me
Credit reporting company's investigation	I submitted an investigation back on XXXX XXXX, 2015, and was told that the investigation would be complete on XXXX XXXX, 2015. When I received the new version of my report, the information was still the same as before. When I called them, I was told that they extended the investigation another thirty days for the same item that was submitted back in XXXX. Now, it is taking them 60 days to update my report ...
False statements or representation	According to my credit reports from XXXX, XXXX, & XXXX, National Credit Systems is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State National Credit Systems does not have a bond for the state of Texas to collect debt. National Credit Systems is attempting an illegal practice of collecting debt in the state of Texas.
Written notification about debt	First Credit Svcs has reported a {$200.00} collection account on my credit report. Prior to seeing this account appear, I received no notification from this collection agency at all. This is a violation of my rights under the Fair Debt Collection Practices Act.
Closing an account	Account number ending in XXXX, close date XXXX XXXX. Send my deposit back to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga, XXXX
Incorrect information on credit report	This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane.
Improper use of your report	Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.
Struggling to pay your loan	I have talked to the agent I have went online to set up a payment they are calling 5 to 6 times a day plus sending emails I advised I was later off they are calling my old employer on XXXX/XXXX/17 they called me 5 times and sent 2 emails
Incorrect information on your report	COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX AND XXXX EXPERIAN ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT
Incorrect information on your report	I have filed a complaint against Kia Motors finance XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.
Fraud or scam	I sent {$1000.00} via XXXX to XXXX XXXX XXXX, XXXX with the understanding I would get a return of {$10000.00} in 14 days. They asked for fee after fee that I paid and never paid me what they promised. Many of the fees were sent via XXXX or money gram.
False statements or representation	this company serv ome court documents with out my knowledge, at th location wre i was not longer working. i have moved out the estate do to a family law case, in ordr to save myself and kids, iw as evicted from my house and they went and garnished my wages
Problem with a credit reporting company's investigation into an existing problem	I have a loan with Peaks Private Student Loan and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with XXXX and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.
Attempts to collect debt not owed	I have received several calls from this group in the past until I filled complaints. They did stop for some time, but they are back at it again now. I am getting a voice mail saying that they have a bad check with my name on it and I need to contact them immediately. This is not possible. The name of the company that is calling is Premier Portfolio Group and the call back number is XXXX.
Dealing with your lender or servicer	{$5000.00} approximately to cover a certificate graduation
Problem with a credit reporting company's investigation into an existing problem	Experian has my son 's social on my credit file I have provided Experian now twice a copy of my social security card and the issue is still not fixed. Please help My social is XXXX and my son 's is XXXX I want his social off of my credit file and anything else belonging to him
Taking/threatening an illegal action	Discover is trying to sue me on a debt that 's too old
Disclosure verification of debt	I never received any notice that money was owed to my apartment complex to begin with OR the collection agency they sent the debt to. Until several months later when I checked my credit score online and it showed I owed money. When I called the agency they said they did not say why money was owed and the apartment complex could n't help me either. I 'm not just going to pay that amount of money for something I 'm not even sure what it 's for.
Credit monitoring or identity theft protection services	They reported us to for being more than 30 days late, but we have NEVER been late with our payment. This has affected our credit score. I have made 3 phone calls and 3 emails to them
Disclosure verification of debt	I have submitted a valid ftc report and police report and this collection agency refuses to comply with FCRA laws
Incorrect information on credit report	I recently requested a credit report thru my XXXX XXXX XXXX XXXX on XXXX/XXXX/16 ... I noticed a XXXX XXXX in my name with a XXXX XXXX address that shows that service being used on XX/XX/XXXX thru XX/XX/XXXX that does not belong to me ... I have never lived in XXXX XXXX and I have never used XXXX ... I need to dispute this incorrect information off my credit ... Please assist or advise ...
Problems caused by my funds being low	My Chase account being overdrawn when speaking to Chase, I have several tickets XXXX and I can also have a ticket # XXXX amongst other tickets. Please replace those overdraft fees and thank you.
Making/receiving payments, sending money	chase bank closed ristricted my account numberXXXX XXXX, they said the official closing date is on XX/XX/XXXX, my ballance on the account will be mailed to me XX/XX/XXXX. i have been calling them but they bent on humiliating me
Incorrect information on credit report	I received a credit report from Equifax which states I have a level of delinquency on accounts! To my knowledge i have not had any delinquencies!!! I would like this corrected. I am planning on buying a house pretty soon! Thank you, XXXX XXXX XXXX
Cont'd attempts collect debt not owed	contacted by debt collection agency, ( Truaccord ), through e-mail, about a debt that i dont owe. Truaccord wrote that I owe XXXX to XXXX XXXX.
False statements or representation	Southwest credit systems is reporting a balance of {$160.00} dollars on my credit report. I have never done any business with southwest credit systems and I do not owe them anything.
Took or threatened to take negative or legal action	Contrary to the FCRA, as well as XXXX and XXXX credit scoring procedures, company has falsely reported multiple charge- offs, one each month since the actual single occurence, rather than the single charge off that existed, resulting in inceasing negative impact over time rather than decreasing negative impact over time.
Can't repay my loan	Hello and thank you for your time!! I am a XXXX year old XXXX currently approx. {$140000.00} in student loan debt with a monthly payment of {$1500.00}. I have made multiple attempts over the years to try and lower my monthly payments and have also tried to refinance and consolidate my loans, and have been unsuccessful in every attempt. My loans are private and thru Navient and XXXX XXXX. Do you folks have any advice or help to offer? Thank you so much!
Struggling to pay your loan	Ally Financial. I called to lower payment or refinance balance but was denied. the payment were too high and I couldnot trade it because of the negative equity.
Cont'd attempts collect debt not owed	I was notified from my XXXX accoutrements say I 'm in collection status for a debt. Hillcrest Davidson and A XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Communication tactics	CITI STILL CONTINUES TO CALL REPEATEDLY ALL THROUGH THE DAY. THE CALLS NEVERED SEIZED XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX (XX/XX/XXXX ) XXXX
Incorrect information on your report	I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting docume nts. XXXX XXXX WITH A BALANCE OF XXXX THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH XXXX AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS
Communication tactics	Ca n't stop calling about 8 times a day and after XXXX XXXX XXXX XXXX .
Communication tactics	Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.
Making/receiving payments, sending money	trying to log in to my bank for almost week. I called 3 times and get the same XXXX XXXX people are aware of the problem, and they are working on it.. I need to get in to my accounts. I have to pay bills etc. I do not think that their issues should affect me..
Loan modification,collection,foreclosure	I surrendered my property as part of bankruptcy in XX/XX/XXXX. I was discharged in XX/XX/XXXX. I can send that doc if you like. Bank of American continues to send me threatening bills for my mortgage.
Problem with a lender or other company charging your account	I was defrauded by a third party for three amounts of {$89.00} and not refunded by this bank after repeated attempts to explain what happened. My treatment at the hands of the bank was appalling.
Cont'd attempts collect debt not owed	I 'm receiving letters from ProCollect Inc. that I owe a bill to XXXX XXXX when I been with XXXX for 13 years. I talked to them and they still sending me bills please assist me in this matter.Their office is XXXXXXXX XXXX XXXX, TexasXXXX.Phone number XXXX Thank You, The bill has my name and address, but is not mine someone is using my name and address.I Protect my identity Theft with XXXX and XXXX And I know is not me I do n't know what else to do.
Problem with a lender or other company charging your account	This is a small town bank who is abusing their authority and returning my checks for irregular signature out of spite even tho they have been contacted and know the checks are authorized
False statements or representation	LVNV continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. LVNV is reporting that they are a creditor when they are not.
Cont'd attempts collect debt not owed	Debt collector " XXXX '' attempting to collect on invalid debt.
Incorrect information on credit report	XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not my address. I 've never lived in XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. I 've lived at this address for 10 yrs. please remove the XXXX address from my credit report. Thank you.
Unable to get credit report/credit score	Hello, Simply I contacted XXXX to ask them to reinvestigate several hard inquiries on my credit reports. When they got back to me, they stated that I did authorize the hard inquiries, I asked them to provide proof of this and they will not. I ask that you guys aid me in having XXXX completely remove the hard inquiries for lack of proof.
Managing an account	My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. I had submitted a bank statement request for a client on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they were unable to process the request. I would like to receive the bank statements requested. Document Identification : XXXX
Loan modification,collection,foreclosure	Hi my name is XXXX XXXX I have been trying to get a loan modification with my servicer Ocwen on my property XXXX XXXX XXXX XXXX, XXXX CA XXXX for over 3 years, they have refused to cooperative and they have been engaging in dual tracking and wrongful foreclosure. My property is now in foreclosure and i am facing the possibility of losing my home.
Trouble during payment process	I Am Requesting An Itemized And Audit Report On My Account With XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX Because The Fund's That I Have Paid Is Not accounted For And My Account Balance Is Not Accurate
Improper use of my credit report	This letter is a formal request to remove unauthorized inquiries from my credit report. I have n't applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. Please delete all inquiries made by XXXX XXXX, XXXX, XXXX and XXXX XXXX. That is over XXXX inquires and some are for the same day.
Communication tactics	XXXX XXXX keeps calling my cell number looking for someone else. They don't seem to understand that they have the wrong number. They continue to leave me voicemail messages indicating there is an urgent and pending matter that must be addressed.
Cont'd attempts collect debt not owed	I have sent Central Financial Control letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.
Incorrect information on credit report	Remove XXXX Bank that is open on XXXX XXXX, XXXX, that has me listed as an authorized user because I am not. Balance is XXXX Remove XXXX XXXX Bank XXXX that is opened on XXXX XXXX, XXXX, that has be listed as an authorized user because I am not. Balance is XXXX

APR or interest rate

Capital One promised a low interest rate that was never honored and then increased interest rate over 24 %. I just want this predator deceptive Bank removed from XXXX, XXXX & XXXX or willing to share with Congressman XXXX XXXX and speak in XXXX, and discuss how Big Banks appear to be Untouchable!

Getting a loan

XXXX closed in XX/XX/2016 and over charged me on my loans. The school no longer exists. XXXX took over and now I have to pay out of my pocket XXXX dollars to complete my course

Loan modification,collection,foreclosure

Not applying whatever payment I send to my account. Holding it so that a full amount is received & then posting it to my account.

Communication tactics

Midland Funding Credit Management continues to call in reference to a debt that was settled last year XX/XX/2016. Receiving several calls a day from different numbers.

Attempts to collect debt not owed

I called on XXXX/XXXX/XXXX to dispute a debt that they were trying to collect. The representative I spoke with was condescending and tried to make it seem like there is no way I could be telling the truth. Then tried to tell me that I couldnt dispute the debt unless I sent them proof that I had not purchased the gym membership to a XXXX XXXX XXXX I refused.

Cont'd attempts collect debt not owed

XXXX said I owed XXXX to their company for services. I have never had XXXX XXXX.. I had this account removed from my credit bureau. They have since sold the account two other times to different collection companies who in turn keep putting this as a collection account on my credit reports

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 30 days past due as of XXXX 2011 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Identity theft / Fraud / Embezzlement

I have disputed this account several times with Capital One. I have informed them that this account was a result of identity theft. I sent Capital One a Fraud Affidavit and they still have not remove this account from my credit file. They are in violation of the FCRA by not removing this account from my credit file.

Attempts to collect debt not owed

I sent a debt validation letter and they replied that they could n't find any account with my name on it but they are reporting to XXXX that I owe a debt to them

Charged fees or interest I didn't expect

It was {$350.00} when I borrowed {$300.00} for a payday loan and I also have a XXXX title loan from the same place for XXXX

Communication tactics

Company was told by attorney not to contact me or my sister. This was done in writing. They continue to call me sister after they received this notice. They have not contacted my attorney

Incorrect information on credit report

I have request validation of this account many time and never received it Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] from XXXX XXXX and have notified Trans Union of XXXX XXXX noncompliance I do n't know who this account belong to. This is how Trans Union report this account. I ask that this account be deleted from my credit report

Credit monitoring or identity theft protection services

I contacted Experian via Credit Check total 2 months ago to cancel my free trial membership and was told I would not be charged anything. On Friday the XX/XX/XXXX my card was charged for 2 months while I was out of town on a family vacation. I have called everyday since then and spent hours on hold and cant get through to anyone. I have also emailed asking for help. I want my money back. My account # is XXXX.

Improper use of your report

Experian unlawfully shared my personal information with others without my consent as a revenge for reporting them to the CFPB

Attempts to collect debt not owed

I contacted XXXX on XXXX XXXX, 2017, and I contacted the collection company I.C. Systems in XXXX XXXX 2017, asking for proof that this was my debt. I asked for a signed contract or invoice of some kind. The company who claims I owe them is called XXXX and does business out of Alabama and Florida. They would NOT provide any proof whatsoever, but maintain the debt is mine and will not remove it from my credit report. The amount of the debt reported is {$1300.00}

Cont'd attempts collect debt not owed

I was told by Medical Business Bureau that once I paid this account in full and not a settlement it would be deleted from my credit report. Instead of deleting it, they still listed it on my credit report as paid. My maiden name was XXXX XXXX.

Money was not available when promised

I purchased digital currency from Coinbase.com on XX/XX/XXXX/XX/XX/XXXX respectively. They have taken my money ( {$1400.00} ) but have not issued said currency ( Ethereum ).

Incorrect information on credit report

information on criminal background check does not belong to me and is reported through First Advantage this is holding about a career opportunity and needs to be cleared up immediately

Problems caused by my funds being low

US Bank has bumped up their overdraft charge to an astronomical level. I balanced my checkbook wrong and had XXXX checks bounce. I ended up with charges of {$140.00}. I have a very long history with this bank and have rarely ( maybe once ) bounced a check before. I sent a letter asking for a reduction in the fees and never heard back from them.

Improper use of your report

NAVIENT This loan was paid off. Reinvestigate and erase please.

Improper contact or sharing of info

I was looking at a collection noticed I received and I noticed that a medical debt was transferred in my name to a 3rd party agency. I did not give permission for this third party to receive my medical information. This is a violation of my hippa privacy rights as I did not authorize my information to be transferred.

Loan servicing, payments, escrow account

Seneca Mortgage only provided service to 33 % of our property for the first year we were with them, including failed to pay ( but collected ) county property taxes from escrow. We did not know this until our county sent us a late bill and fine for failure to pay property taxes on XXXX of the XXXX lots that Seneca was supposedly serving. We notified Seneca and the issue was not resolved for over 6 months.

Incorrect information on credit report

Equifax, they have pulled this info from a 3rd party and the court verified w me that they do not report to credit bureaus and therefore must be deleted

Incorrect information on your report

Equifax & XXXX XXXX shows on my credit report I 've been denied credit as well as opening up a bank account. They mentioned to me these two show and do n't know why but I was denied. I 've checked my credit report. And it shows everything is closed besides a student loan of XXXX who 's payments are current. Why em i being denied as if I have some collection issues

Incorrect information on your report

A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

Credit reporting company's investigation

I have contacted Transunion to dispute the account XXXX XXXX XXXX XXXX because the account is not mines and I was told over the phone & in writing that the account is factual and is going to stay on my credit file. There was no investigation into the matter and basically told in 5 minute s over the phone there is nothey that they can do and to contact the original creditor.

Trouble using your card

My credit card was restricted for no explanation from Wells Fargo, and I need to unblock it.

Credit reporting company's investigation

Experian is blocking my attempts to dispute entries on the credit file they keep on me stating that they are previously verified. Things change and/or are incorrect on it but I can not even correct anything because of them. This is illegal and they have been routinely doing this to the public for a few years now, please help.

Billing disputes

Capital one could n't find a record of the card in question

Cont'd attempts collect debt not owed

I am being contacted that I owe a company money who I never heard of, it is for a product I bought once but paid then and there so I 'm confused to the price of what it is saying i owe.

Getting a credit card

I have been incarcerated since XXXX/XXXX/XXXX I have inquiries on my credit report

Loan modification,collection,foreclosure

I AM ATTEMPTING TO AVOID A FORECLOSURE SALE. I HAVE APPLIED FOR MORTGAGE ASSISTANCE AND I BELIEVE THAT MY SERVICER, SLECT PORTFOLIO SERVICING ( SPS ), DECLINED MY REQUEST. SUBSEQUENTLY I APPLIED FOR A SHORT PAY. SPS WAS PROCESSING MY SHORT PAY REQUEST AND WHILE PROCESSING MY REQUEST, SPS SCHEDULED A FORECLOSURE SALE FOR XXXX XXXX, 2015. NO WRITTEN DECISION ON THE SHORT PAY REQUEST HAS BEEN ISSUED BY SPS.

Improper contact or sharing of info

XXXX Collection Associates XXXX XXXX reported misinformation on a bill. The actual amount, that were paid, the actual amount of the bill, etc.

Cont'd attempts collect debt not owed

I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services

Incorrect information on your report

I have a number of inquiries on my report from when I purchase my vehicle in XXXX of 2017 I asked the Dealer to send this information to ONE place not multiple, in addition I have a bankruptcy on my credit report that I NEVER filed for, I have never had enough debt for a Bankruptcy.Lastly My Correct Name and Address is as follows XXXX XXXX ( I have never gone by anything else ) XXXX XXXX XXXX XXXX XXXX XXXX! Is my ONLY address

Disclosure verification of debt

I have requested debt validation information from Ability Recovery Services and they have failed to send me any information. They are reporting this on my credit report and damaging my ability to secure credit.

Incorrect information on your report

Accounts with debt collector that have no relationship with or never done business with.

Trouble during payment process

I have been asking for like 10 years, yes years, for the balance my escrow had in it when it was transferred from Washington Mutual Bank to Chase Bank. They have sent me everything but what I have asked for .... the ending figure that was to be transferred that Washington Mutual had.

Closing on a mortgage

During the closing process of home loan our lender was late on closing and told us he would pay for the late fees ( per diem charges ) After closing of escrow we did not receive reimbursement for those fees. We submitted a complaint and the lender responded stating those fees were reimbursed to us through our realtor which is just not true. This is an attempt to recover fees XXXX XXXX from XXXX XXXX said he would pay for.

Advertising and marketing

XXXX partnered with Citi to issue a branded credit card. One of the benefits of the card is priority boarding. After reading the fine print, I applied, was approved, I received and used the card in accordance with their rules. I am now taking a trip, and I do not have the priority boarding. They tell me I had to purchase the ticket with the branded Citi credit card. However, there is nothing I can see in their fine print saying that.

Incorrect information on your report

THIS IS THE 3RD TIME THAT I HAVE ASKED EXPERIAN TO REMOVE ALL INCORRECT ADDRESS FROM FROM MY CREDIT PROFILE. IT IS AGAINST THE FAIR CREDIT REPORT ACT TO REPORT INACCURATE, AND ALL INACCURATE INFORMATION MUST BE DELETED IMMEDIATELY.

Incorrect information on credit report

As it is. Im not sure how the Identity theft gained access to my credit report and personal information such as my personal accounts ssn, dob, and etc. Experian refuse to investigate the nature of this issue properly. Experian only sends my personal information to the orginal creditors, debt collection and etc to verify those items. Experian do not issue an accurate investigation. Im Irate! Please Help get this matter resolved soon. Thanks!

Improper contact or sharing of info

GC Services called multiple times to my work, discussed some debt that I am not aware of with my company receptionist ; they also contacted HR department in regarding to debt info and claimed that they are calling from the government and will garnish my wages.

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

I have contacted Experian to get erroneous negative information removed from my credit report for a company, XXXX XXXX XXXX, for which I have no knowledge. Experian says they have received certification as to accuracy but this is impossible as I have no knowledge of the account for which the company is trying to collect. Experian does not provide any details or contact information to get this matter cleared up.

Managing an account

Violation of my individual ( rights ) due process in banking.

Disclosure verification of debt

I dispute the validity of this debt.This debt is not valid.I am requesting XXXX to obtain verification of debt. Please also include method of verification. ( a ) The name of the original creditor ; ( b ) The person 's name they verified the dispute with ; ( c ) The Address : ( d ) The telephone number ; and ( e ) The documentation used to verify the debt Address of this Complaint- XXXX , CA.XXXX Loan Number of this Complaint- XXXX

Attempts to collect debt not owed

my student loans were originally thru sallie mae they were sent to navient. some how one of the accounts were sent to XXXX XXXX XXXX. i have paid navient in full according to XXXX XXXX, XXXX, and federal student loan website. portfolio recovery says i have not paid my student loan in full and still owe around {$2900.00}. there phone number is XXXX all document of proof of pay of were sent to portfolio recovery, which they didn't accept for proof of pay off.

Cont'd attempts collect debt not owed

Penn Credit ( previous case XXXX ) is attempting to collect a debt again that is not mine. I have gone thru this over and over numerous times over several years. Every time I challenge them, they can not prove the debt is mine and they remove from my credit for a few months and then try again. I currently only have a debt collection letter from them. How do I stop these repeat attempts?

Cont'd attempts collect debt not owed

Despite filing XXXX with CFPB and no valid verification being provided as to the origination of this alleged debt ( no signature bearing documentation provided, or ANY documentation ), this Midwest Recovery Systems entry continues to remain on my credit report.

Fees or interest

hi my credit card company charges 2 time interest every month 1 they take from my credit cart automatic.other one i have to pay minimum payment every month, XXXX/XXXX/XXXX they took XXXX INTERESTCHARGE ON PURCHASES {$190.00} this amount they took from my credit card, and i paid monthly minimum amount.they do not have to take 2 time interest please help me

Credit reporting company's investigation

I submitted an investigation back on XXXX XXXX, 2015, and was told that the investigation would be complete on XXXX XXXX, 2015. When I received the new version of my report, the information was still the same as before. When I called them, I was told that they extended the investigation another thirty days for the same item that was submitted back in XXXX. Now, it is taking them 60 days to update my report ...

False statements or representation

According to my credit reports from XXXX, XXXX, & XXXX, National Credit Systems is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State National Credit Systems does not have a bond for the state of Texas to collect debt. National Credit Systems is attempting an illegal practice of collecting debt in the state of Texas.

Written notification about debt

First Credit Svcs has reported a {$200.00} collection account on my credit report. Prior to seeing this account appear, I received no notification from this collection agency at all. This is a violation of my rights under the Fair Debt Collection Practices Act.

Closing an account

Account number ending in XXXX, close date XXXX XXXX. Send my deposit back to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga, XXXX

Incorrect information on credit report

This debt was settled with the exact same debt collection agency yet they reinserted the debt back onto my credit report after it had been taken off. This is becoming insane.

Improper use of your report

Hello, I checked my credit score and received inquires on my account that I did not receive any credit card or morgagte or anything from these places I checked and seen all inquires have been on my account which is hurting my score and I have not received the product and did not hand sign a application.

Struggling to pay your loan

I have talked to the agent I have went online to set up a payment they are calling 5 to 6 times a day plus sending emails I advised I was later off they are calling my old employer on XXXX/XXXX/17 they called me 5 times and sent 2 emails

Incorrect information on your report

COMPANY : XXXX XXXX XXXX HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I HAVE NEVER HEARD OF THIS PROBLEM TILL IT SHOWED UP ON MY CREDIT REPORT I HAVE NEVER RECEIVED MAIL OR KNOW OF THE EVENT THAT TOOK PLACE ( XXXX AND XXXX EXPERIAN ) HAS ALREADY TOOK IT OF MY CREDIT REPORT JUST SEEING IF YOU WILL DO THE SAME THANK YOU SO MUCH BECAUSE THEIR FOUNDING INCORRECT

Incorrect information on your report

I have filed a complaint against Kia Motors finance XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.

Fraud or scam

I sent {$1000.00} via XXXX to XXXX XXXX XXXX, XXXX with the understanding I would get a return of {$10000.00} in 14 days. They asked for fee after fee that I paid and never paid me what they promised. Many of the fees were sent via XXXX or money gram.

False statements or representation

this company serv ome court documents with out my knowledge, at th location wre i was not longer working. i have moved out the estate do to a family law case, in ordr to save myself and kids, iw as evicted from my house and they went and garnished my wages

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

I have a loan with Peaks Private Student Loan and it has been charged off for sometime now however they keep re-aging the account and this practice is illegal. I filed a dispute with XXXX and all they did was verify that the account belonged to me. That was not what I was disputing. So I would like the account deleted from my file.

Attempts to collect debt not owed

I have received several calls from this group in the past until I filled complaints. They did stop for some time, but they are back at it again now. I am getting a voice mail saying that they have a bad check with my name on it and I need to contact them immediately. This is not possible. The name of the company that is calling is Premier Portfolio Group and the call back number is XXXX.

Dealing with your lender or servicer

{$5000.00} approximately to cover a certificate graduation

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

Experian has my son 's social on my credit file I have provided Experian now twice a copy of my social security card and the issue is still not fixed. Please help My social is XXXX and my son 's is XXXX I want his social off of my credit file and anything else belonging to him

Taking/threatening an illegal action

Discover is trying to sue me on a debt that 's too old

Disclosure verification of debt

I never received any notice that money was owed to my apartment complex to begin with OR the collection agency they sent the debt to. Until several months later when I checked my credit score online and it showed I owed money. When I called the agency they said they did not say why money was owed and the apartment complex could n't help me either. I 'm not just going to pay that amount of money for something I 'm not even sure what it 's for.

Credit monitoring or identity theft protection services

They reported us to for being more than 30 days late, but we have NEVER been late with our payment. This has affected our credit score. I have made 3 phone calls and 3 emails to them

Disclosure verification of debt

I have submitted a valid ftc report and police report and this collection agency refuses to comply with FCRA laws

Incorrect information on credit report

I recently requested a credit report thru my XXXX XXXX XXXX XXXX on XXXX/XXXX/16 ... I noticed a XXXX XXXX in my name with a XXXX XXXX address that shows that service being used on XX/XX/XXXX thru XX/XX/XXXX that does not belong to me ... I have never lived in XXXX XXXX and I have never used XXXX ... I need to dispute this incorrect information off my credit ... Please assist or advise ...

Problems caused by my funds being low

My Chase account being overdrawn when speaking to Chase, I have several tickets XXXX and I can also have a ticket # XXXX amongst other tickets. Please replace those overdraft fees and thank you.

Making/receiving payments, sending money

chase bank closed ristricted my account numberXXXX XXXX, they said the official closing date is on XX/XX/XXXX, my ballance on the account will be mailed to me XX/XX/XXXX. i have been calling them but they bent on humiliating me

Incorrect information on credit report

I received a credit report from Equifax which states I have a level of delinquency on accounts! To my knowledge i have not had any delinquencies!!! I would like this corrected. I am planning on buying a house pretty soon! Thank you, XXXX XXXX XXXX

Cont'd attempts collect debt not owed

contacted by debt collection agency, ( Truaccord ), through e-mail, about a debt that i dont owe. Truaccord wrote that I owe XXXX to XXXX XXXX.

False statements or representation

Southwest credit systems is reporting a balance of {$160.00} dollars on my credit report. I have never done any business with southwest credit systems and I do not owe them anything.

Took or threatened to take negative or legal action

Contrary to the FCRA, as well as XXXX and XXXX credit scoring procedures, company has falsely reported multiple charge- offs, one each month since the actual single occurence, rather than the single charge off that existed, resulting in inceasing negative impact over time rather than decreasing negative impact over time.

Can't repay my loan

Hello and thank you for your time!! I am a XXXX year old XXXX currently approx. {$140000.00} in student loan debt with a monthly payment of {$1500.00}. I have made multiple attempts over the years to try and lower my monthly payments and have also tried to refinance and consolidate my loans, and have been unsuccessful in every attempt. My loans are private and thru Navient and XXXX XXXX. Do you folks have any advice or help to offer? Thank you so much!

Struggling to pay your loan

Ally Financial. I called to lower payment or refinance balance but was denied. the payment were too high and I couldnot trade it because of the negative equity.

Cont'd attempts collect debt not owed

I was notified from my XXXX accoutrements say I 'm in collection status for a debt. Hillcrest Davidson and A XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX

Cont'd attempts collect debt not owed

I was a victim of identity theft and noticed a collection from XXXX XXXX XXXX I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Communication tactics

CITI STILL CONTINUES TO CALL REPEATEDLY ALL THROUGH THE DAY. THE CALLS NEVERED SEIZED XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXXXX/XX/XXXX) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX) XXXX XXXX (XX/XX/XXXX ) XXXX

Incorrect information on your report

I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting docume nts. XXXX XXXX WITH A BALANCE OF XXXX THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH XXXX AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS

Communication tactics

Ca n't stop calling about 8 times a day and after XXXX XXXX XXXX XXXX .

Communication tactics

Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect.

Making/receiving payments, sending money

trying to log in to my bank for almost week. I called 3 times and get the same XXXX XXXX people are aware of the problem, and they are working on it.. I need to get in to my accounts. I have to pay bills etc. I do not think that their issues should affect me..

Loan modification,collection,foreclosure

I surrendered my property as part of bankruptcy in XX/XX/XXXX. I was discharged in XX/XX/XXXX. I can send that doc if you like. Bank of American continues to send me threatening bills for my mortgage.

Problem with a lender or other company charging your account

I was defrauded by a third party for three amounts of {$89.00} and not refunded by this bank after repeated attempts to explain what happened. My treatment at the hands of the bank was appalling.

Cont'd attempts collect debt not owed

I 'm receiving letters from ProCollect Inc. that I owe a bill to XXXX XXXX when I been with XXXX for 13 years. I talked to them and they still sending me bills please assist me in this matter.Their office is XXXXXXXX XXXX XXXX, TexasXXXX.Phone number XXXX Thank You, The bill has my name and address, but is not mine someone is using my name and address.I Protect my identity Theft with XXXX and XXXX And I know is not me I do n't know what else to do.

Problem with a lender or other company charging your account

This is a small town bank who is abusing their authority and returning my checks for irregular signature out of spite even tho they have been contacted and know the checks are authorized

False statements or representation

LVNV continues to report account is a open/revolving account. This account should be reported as a collection account. They are reporting a past due amount when a collection account can not have a past due amount because we never agreed to any terms. LVNV is reporting that they are a creditor when they are not.

Cont'd attempts collect debt not owed

Debt collector " XXXX '' attempting to collect on invalid debt.

Incorrect information on credit report

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX is not my address. I 've never lived in XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX XXXX. I 've lived at this address for 10 yrs. please remove the XXXX address from my credit report. Thank you.

Unable to get credit report/credit score

Hello, Simply I contacted XXXX to ask them to reinvestigate several hard inquiries on my credit reports. When they got back to me, they stated that I did authorize the hard inquiries, I asked them to provide proof of this and they will not. I ask that you guys aid me in having XXXX completely remove the hard inquiries for lack of proof.

Managing an account

My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. I had submitted a bank statement request for a client on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating that they were unable to process the request. I would like to receive the bank statements requested. Document Identification : XXXX

Loan modification,collection,foreclosure

Hi my name is XXXX XXXX I have been trying to get a loan modification with my servicer Ocwen on my property XXXX XXXX XXXX XXXX, XXXX CA XXXX for over 3 years, they have refused to cooperative and they have been engaging in dual tracking and wrongful foreclosure. My property is now in foreclosure and i am facing the possibility of losing my home.

Trouble during payment process

I Am Requesting An Itemized And Audit Report On My Account With XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX Because The Fund's That I Have Paid Is Not accounted For And My Account Balance Is Not Accurate

Improper use of my credit report

This letter is a formal request to remove unauthorized inquiries from my credit report. I have n't applied for credit because I know my credit is not good due to false and wrong information on my report. I have also never had an account with you. Please delete all inquiries made by XXXX XXXX, XXXX, XXXX and XXXX XXXX. That is over XXXX inquires and some are for the same day.

Communication tactics

XXXX XXXX keeps calling my cell number looking for someone else. They don't seem to understand that they have the wrong number. They continue to leave me voicemail messages indicating there is an urgent and pending matter that must be addressed.

Cont'd attempts collect debt not owed

I have sent Central Financial Control letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.

Incorrect information on credit report

Remove XXXX Bank that is open on XXXX XXXX, XXXX, that has me listed as an authorized user because I am not. Balance is XXXX Remove XXXX XXXX Bank XXXX that is opened on XXXX XXXX, XXXX, that has be listed as an authorized user because I am not. Balance is XXXX