determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however XXXX and Equifax will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.
Taking out the loan or lease	My loan has been taken away but the company still keeps their account open in my credit information.
Taking out the loan or lease	There is an unauthorized inquiry.
Cont'd attempts collect debt not owed	XXXX XXXX treated my dog, overcharged me and they were paid in full.
Identity theft / Fraud / Embezzlement	I have checked my credit report from XXXX and I have noticed an unauthorized hard inquiry. I have no knowledement of this inquiry on XXXX XXXX, 2015. I would like it off my credit report due to I personally not applying this inquiry.
Advertising and marketing, including promotional offers	I added an authorized user during 2017 XXXX by promotional offer for XXXX XXXX points Then I finish spending requirement but american express closed my account and did not give me XXXX points.
Improper contact or sharing of info	They contacted my employer and told them i would be served with a summons at work the next day. They told them i was being sued. When i called they asked for my personal information and hung up when i did n't give them any. They called me the next day and left a message threatening to serve me at my home. I do not know who these people are and they would not tell me what i supposedly owe and to who.
Incorrect information on your report	I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.
Managing an account	I have received my finicial aid disbursement for the XXXX XXXX XXXX in the amount of {$5100.00} on XXXX XXXX the hold was placed on my funds until XXXX XXXX even after the funds were paid the bank continued to hold my funds.
Cont'd attempts collect debt not owed	I do not know what this bill is and for what.
Cont'd attempts collect debt not owed	This company, ERC, began harassing me in XX/XX/2016. They call me consistently regarding a debt that I do not owe and have no idea about and they continuously try to get personal information from me such as my address, social security number etc. from me stating that they are going to collect their debt no matter what. They call me all the time from different numbers ( which I block ) and different representatives.
Written notification about debt	There has been a huge miscommunication between XXXX XXXX AND XXXX ( XXXX ) I have a XXXX balance turn in al my equipment and no longer have any contract whatsoever with either company. I dispute this debt. I was current and paid off, never late.
Improper contact or sharing of info	This collection agency has contacted me several times about a debt that I owe them. I am unfamiliar with this company and do n't understand how that got my information. I know that if this bill is from the old day care provider that I used the bill is not suppose to be this amount. However, this occurred seven years ago. I thought it suppose to have disappeared by now.
Improper use of your report	It has become apparant that the Data Breach in XXXX has caused considerable damage to millions of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from all 4 reporting agencies and new social security numbers issued
Late fee	JP Morgan Chase credit card company did not send a monthly statement so I had no information when my payment was due. This was done to scam me so that they could charge a " late fee '' for my not making a payment in time.
Incorrect information on credit report	There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and others that include past due amounts when in fact they were in XXXX. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not.
Can't contact lender	I had a Cash Call/XXXX payday loan. I went to make my payment and the account is gone and was told by the lender the account was paid in full. They said they could n't discuss the account with me. Why and who paid the account? I saw where Cash Call/XXXX was sued, who sued them and what happens to all the money I paid in?
Incorrect information on credit report	I was in a chapter XXXX. The mortgage company did not report my payments which I understand. My chapter XXXX was discharged in XXXX so I disputed the fact that it was not being reported because I had never been 30 days late. The mortgage company reported my payments and there were XXXX past 30 day payments on my report which dropped my credit rating that I have been working so hard to repair.
Communication tactics	I am currently paying off a Discover Loan through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. XXXX XXXX XXXX, XXXX are now trying to collect on the SAME debt!
Payoff process	our XXXX cards were cancelled. The account was turned over to XXXX international to set up a payment plan. We were told by XXXX that if our payments with XXXX were paid on time that our payments would not be counted as misses or late. our credit report indicates that we have 18 missed payments. We have made ALL of our payments with XXXX in a timely manner.
Dealing with my lender or servicer	I am on a rate reduction plan, and I called to resubmit because the last one was about to expire, and the lady on the phone told me to call back next month, and that I did n't owe anything that month. When I called the next month they asked me why I had n't paid last months bill. Things like this happen every time I call and it cost me extra money every time.
Improper use of your report	Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Improper contact or sharing of info	I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$650.00} with a collection Agency without knowing the name of the previous company.
Overdraft, savings, or rewards features	On the XX/XX/XXXX I withdrew XXXXeuros from Coinbase digital wallet to my bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the firm a multitude of times without result. Through email, chat, XXXX, all fruitless attempts. It 's like I 'm purposely ignored. My email address at Coinbase is XXXXXXXXXXXX. I 'll send a screenshot as attachment. Thank you very much! Sincerely, XXXX XXXX XXXX
Attempts to collect debt not owed	XXXX SOLD ACCOUNT TO TO COLLECTOR TO WHOM VIOLATED THE F.C.B.A. AND FDCPA AND FCRA AND T.C.P.A. AND THE DODD-FRANK ACT. WE ARE SUING XXXX AND COLLECTOR IN CLASS ACTION EFFORT! WE ARE NOW ADDING XXXX TO SUIT.
Credit monitoring or identity theft protection services	These companies make it so you ca n't dispute anything on your report. Everyone should know how crooked this is and its setup so you ca n't dispute. The whole credit score and identity theft is a joke and people need to quit buying into this whole farce.
False statements or representation	Patient XXXX XXXX Dental Provider XXXX XXXX Collection Agency Golf Coast Collections XXXX of 2015 our Dental Insurance Provider told me I owe {$500.00} XXXX XXXX sent the account to Golf Coast Collections and said I owe over {$2000.00}
Written notification about debt	NCB management services is showing on my credit report for the amount of XXXX. I contacted the company and they say my account is closed and they have no information regarding account. Would like to dispute but company is unable to verify information.
Incorrect information on your report	I was receiving countless calls to XXXX ( my cell phone ) throughout the day and when I answered the person would either hangup or say hello and then hangup. I called back and every time I ask them to send me proof they hangup on me and I can't get through to anyone to resolve it. There is a {$410.00} charge I want removed and I want to be removed from their call list!
Attempts to collect debt not owed	A XXXX XXXX account was opened in my name that I did not open. I received a letter in the mail from Diversified Consultants who is the debt collector in the matter on XX/XX/XXXX. The letter states I owed XXXX XXXX {$1200.00} for services I did not purchase. I proceeded to call the collections company who said I have to file a police report. I filed a police report on XX/XX/XXXX.
Incorrect information on credit report	I have previously notified the credit bureaus this is a result of fraud and sent the police report. I am very upset this is still on my credit report.
Deposits and withdrawals	TD Bank debited my account {$50.00} for check # XXXX that was written for {$20.00} I have contacted customer service three times since XX/XX/XXXX and was advised it was going to be taken care of and to date it still has not been taken care of
Disclosure verification of debt	I am unaware of this debt.
Incorrect information on your report	There was an error on my employer 's behalf with submitting tax documents.
Problem with a credit reporting company's investigation into an existing problem	This account is reporting beyond the 7 year FCRA rules from the first day of delinquency. The first day of delinquency dates back in XXXX of XXXX . This account is obsolete and should no longer be reporting on my credit file. I have requested this item to be removed. This account was opened XXXX .
Dealing with my lender or servicer	When I do try to pay my student loans, I ask for the income driven repayment plan. However, it is still way too high. I have never been given a loan payment I can actually pay without draining my income. The customer reps always say I should just sign a forbearance form. It is not that I am unwilling to pay, it is that the repayment options are n't feasible.
Incorrect information on credit report	XXXX is listed on my Equifax report as charging off then going positive, and then charging off again, and then once again going positive. This is inacurate information reflected in my payment history that continues to keep my credit rating from improving. There are several accounts that are inacurate with my Equifax file that i have tried and tried to get resolve i have uploaded documentation that supports my claim.
Incorrect information on credit report	My XXXX credit card ending in XXXX went past due XX/XX/XXXX and remained that way until it was charged off in XX/XX/XXXX. This item is still showing on my credit report even though the 7 years since the first time it became past due has passed. I have enclosed statements showing the past due status of the account as of XX/XX/XXXX.
Incorrect information on your report	I sent a request to have my name and address updated about a month ago and the credit reporting agency has not corrected the issue.
Problems caused by my funds being low	PNC Bank manipulated transaction orders and delayed updating my account balance when items were listed as pending, which led to an overdrafting of my account. They then charged XXXX separate {$36.00} fees ( {$140.00} total ) as a penalty for their error.
Incorrect information on your report	Transunion has placed a tradeline on my credit report that does not belong to me.
Credit monitoring or identity theft protection services	Sensitive information compromised in Equifax hack.
Attempts to collect debt not owed	I received a call from a woman named XXXX XXXX claiming she was representing Chase bank. She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.
Charged fees or interest I didn't expect	I had no idea that I would get charge so much interest on a {$350.00} loan. I have borrower from Lend up and they dont cost nearly as much as BPL. I have made 2 payment triple the about I borrowed. Please help me! I have made over XXXX in intrest.
Problems caused by my funds being low	m and t bank will hold on to checks that should have been cashed when the account is low so they can charge you with an over draft fee, this is happing to many times.
Cont'd attempts collect debt not owed	I have begun receiving at least XXXX to 3 calls per day from Diversified Consultants , Inc . They are very rude and claim they are contacting me regarding a bill I owe to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX and do not want to continue to be harassed by this organization and want them to stop. Today I received a letter via the mail claiming I owe a balance of {$550.00}. Please make them stop calling and mailing me. Thank you in advance.
Taking/threatening an illegal action	Recieved a call from a lady name XXXX earlier in the week and she stated I owe a debt with XXXX XXXX and gave me the price of the alleged debt owed. She stated legal actions will be taken against me is debt was not paid. She Call today about the debt but this time it was a different amount. I googled the company and read that people were scamed by this company ZFN & Associates. The number she used to called my cell is XXXX
Incorrect information on your report	I was shocked when I reviewed my credit report and found a late payment on the date below : CREDITOR : XXXX/XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments to you when I received my statements. I am not sure how this happened. I believed that I had made my payments to you. My only thought is that there was a billing error with my statement.
False statements or representation	XXXX Mortgage XXXX is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment.
Incorrect information on credit report	According to my credit report dated XXXX/XXXX/2014 my XXXX XXXX utility bill is more than 90 days overdue. However, I have not missed a payment since opening the account XX/XX/XXXX. The credit report also states that the account is current, but the payment is late. I have disputed this with Transunion but have not gotten a response. I will mail supporting documentation via USPS.
Incorrect information on credit report	On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.
Dealing with my lender or servicer	I keep getting calls from the collector of my student loan, Weltman Weinber & Associates, at very inconvenient times, before XXXX on weekdays. I have filed a complaint with them before through the Ohio XXXX and they had agreed to stop the calls. However ; their calls continue to be placed very early in the morning. I want this level of harassment to stop and to communicate with them only through mail at this time.
Threatened to contact someone or share information improperly	This Debt Collection Agency has my medical information, which i did not authorize them to have and Shared my medical information with the XXXX Credit Reporting Angencies in XXXX 2016, when I disputed the validity of the debt! This is inviolation of the Hippa Laws!
Problem with fraud alerts or security freezes	I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.
Late fee	Synchrony Bank charges interest on late fees. They said that late fees are considered part of the total payment and purchases.
Loan modification,collection,foreclosure	I need some help with saving my home from foreclosure. I am behind in my mortgage payments and am in foreclosure with a sale date scheduled on XXXX/XXXX/16. Wells Fargo/ASC said they would review me for a loan modification and I have provided all requested documents to them. I just need to make sure the sale doesnt take place that is scheduled on XXXX/XXXX/16. Please help me in any way possible, thank you.
Incorrect information on credit report	trans union has shared my other accounts to show how much I am paying per month on all open accounts and the information supplied is incorrect.
Billing statement	I recently was approved for a Target credit card. When I went to the company 's website to sign up for online account management I was not allowed to sign up because I would not agree to receive all communication, including monthly billing statements electronically. In addition, I would also have to agree to pay my credit card bill through their website. I declined to sign up. I believe this is unfair.
Communication tactics	Had a contract with XXXX.wasnt happy with service.wanted to go back to XXXX.XXXX said they would pay termination fee, and they did! XXXX said we owed more which we did n't.
Fraud or scam	On the XXXX we had a scam phone call from " IRS '' and " sheriff department ''. They asked us to pay them {$4900.00} through Bank of America. Because we got afraid we did that. However after we checked with police department in XXXX XXXX, CA we found that this was a scam. We tried to stop transaction but it was too late. The bank does not like to give us money back. We need help to recover our money back. XXXX XXXX
Closing on a mortgage	On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.
Struggling to pay mortgage	In XXXX XXXX we applied for a loan modification. All requested paperwork was turned in on a timely manner. In XXXX XXXX, XXXX we were told our income was not enough. Our income changed in XXXX XXXX, XXXX our income increased and proof was turned in. On XXXX XXXX, XXXX we were informed it was too late and a foreclosure was in process. We objected but were told it was too late in XXXX XXXX, XXXX.
Incorrect information on credit report	XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
Incorrect information on your report	I filed a bankruptcy for chapter XXXX in XXXX and the discharge of it went out since XXXX. Van XXXX years of that process and still Equifax shows the same in my credit report.
Cont'd attempts collect debt not owed	Collection agency is attempting to collect on a debt that I satisfactorily paid off a few years ago.The collection agency has XXXX the price owed and has negatively placed this collection on my credit report.
Credit monitoring or identity protection	I contacted XXXX XXXX on a closed acct closed on XXXX, XXXX, 2011, that i was a co signer on and i asked that the negative be removed from my credit because it was causing a hardship. They said they were keeping it for XXXX years. I would like this removed the loan was paid off and it is causing my family a hardship.
Cont'd attempts collect debt not owed	This debt is not valid. The information is inaccurate. They are trying to charge me for things that did not even exist. They said I owe XXXX but in cost to repair it says XXXX dollars. Then when I ask for explanation of charges they send me a maintenance price list in which half of the items are not even on the move out sheet. This has cost my family to be homeless among many other things.
Dealing with your lender or servicer	I would like validation of my student loans with Navient.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Taking/threatening an illegal action	I want to know why XXXX was hit with a consent order in XXXX and told that employees of the debt collector could not testify in court as custodian of records as to the validity of the documents, and therefore not have the documents submitted into evidence, it is still allowed in XXXX? Specifically by Absolute Resolutions. A debt buyer that uses it 's own employee, XXXX XXXX, to testify as custodian of records for debt that originated with XXXX XXXX.
Incorrect information on your report	There are 5 name on my credit report that Ive been trying to correct for almost a year ... .. XXXX XXXX XXXX - not me XXXX XXXX XXXX -not me XXXX XXXX XXXX - not me XXXX XXXX -not me Ive paid in good standing XXXX car loan XXXX XXXX XXXX Never lived in any other state 2 address XXXX XXXX XXXX XXXX nj XXXX-me XXXX XXXX XXXX XXXX nj XXXX -me XXXX XXXX
Taking/threatening an illegal action	The constantly call me wanting me to pay over the phone, and want my personal information. When I tell them I will verify what they have the lady got really rude with me and told me they are going to sue me and garnish my wedges, but would not tell any thing else.Will not send me any papers in the mail like I have repeatedly asked. Constantly tell me that I need to pay.
Credit reporting company's investigation	THIS IN REGARDS TO A COLLECTION ACCOUNT ON MY CREDIT REPORT LISTED AS XXXX XXXX # XXXX for the amount of {$620.00} that has been disputed in the pass ... the experian did not properly verify this account ... .due to the fact that the company itself has no imformation regarding this account accept the original creditor. when i disputed the validity of the debt .... experian will not inform me of their verification methods .... ..
Other fee	I have a CITI issued prepaid visa that was issued XX/XX/XXXX. I was unable to activate it in the 4 month window. When I called today XXXX agent ID XXXX advised they seized all funds and account {$0.00}. The terms and conditions advise of a {$3.00} per month maintenance fee but has no reference to the card company seizing entire balance. XXXX Visa Card was issued with balance {$120.00} now {$0.00}
Incorrect information on credit report	wrong information on my report im XXXX
Struggling to repay your loan	I am currently a college graduate student at a XXXX XXXX in Massachusetts.I was encouraged to apply for student loans through XXXX 'MASSACHUSETTS EDUCATIONAL FINANCING AUTHORITY ' a state agency which are only available to students who are Massachusetts residents or attend college in Massachusetts.I was devastated to learn that i could not defer my undergraduate loans from XXXX XXXX while i continued my education.
Loan modification,collection,foreclosure	I took out a mortgage loan in 2006 because it was advertised as a low monthly payment and low interest rate. However, every month the mortgage payment kept increasing including the interest rate. I defaulted because the payment ended up getting so high that I was no longer able to afford the monthly payment. It was like if the bank wanted me to default on the loan on purpose. I also tried to modify the loan several times but it was denied.
Problem with a credit reporting company's investigation into an existing problem	My payment for XXXX 2017 to my mortgage payment to Ocwen Mortgage is missing in my XXXX Credit report ( see attachment ) and also my Credit report was last updated XXXX XXXX , 2017 by my credit reporting agency
Improper use of your report	I was purchasing a vehicle back in XXXX and Ally Financial ran my credit 7 times, there is no reason why it should put 7 inquiries on my credit report. I sent a verified letter to the dealership and to ally financial, and I got a response back that it was " factual ''. I am trying to purchase a home for my family right now and this is damaging my credit.
Attempts to collect debt not owed	In XX/XX/2018 and prior I have disputed the negative account with all three collection bureaus and spoke to a representative explaining that the debt was not mine. I was able to show that I lived nowhere near the area at the time the debt was taken out. This debt is for a gym membership in XXXX, Ga.
Improper contact or sharing of info	Continue to get calls at my workplace when asked not to! Also, leaving messages, or trying to speak to co-workers to try to contact me!
Incorrect information on credit report	I have disputed several times several public records listed on my personal credit file with Equifax. There are inaccurate remarks and even duplication 's. I ca n't get anywhere with this agency. Please help as they are listing # XXXX tax lien for {$80000.00}, # XXXX tax lien again for {$80000.00}, # XXXX {$1700.00} and # XXXX tax lien XXXX I do not owe any tax liens and these are a mistakes listed. Please help
Closing/Cancelling account	I want this account to be removed from XXXX closed account XXXX/XXXX/09 with XXXX balance.
Cont'd attempts collect debt not owed	Wells Fargo call me two to three times a day ( on number XXXX ) attempting to collect/negotiate a debt. This bank leaves a voice message for XXXX. The message is from XXXX with wells Fargo Card Services, asking XXXX to return her call. This harassment has been going on for over two months now. Some calls are late at night. I am NOT XXXX and my voice mail message clearly states my name, being XXXX.
Problem with a credit reporting company's investigation into an existing problem	Equifax is reporting fraudulent inquiries from XXXX XXXX on my credit file and refusing to investigate them correctly to remove them from my report
Incorrect information on credit report	As of XX/XX/2017 I have noticed an address on my Equifax credit report that I have never been associated with and would like proof my connection to this address or its immediate deletion.
Attempts to collect debt not owed	Stated XX/XX/2016 I owe {$2400.00} in debt to Pro Collect I cant get any information on it dont even know where the debt from. Seem like I cant get accurate information on it.
Shopping for a loan or lease	I applied for an auto loan. Unfortunately, Exeter Financial wanted to charge me an interest rate of 15.4 % which is absurdly high. Exeter Financial has a reputation for charging XXXX and XXXX customers higher interest rates than XXXX borrower applicants. They were trying to charge me an absurdly high interest rate because of my national origin.
Disclosure verification of debt	I initially did a dispute through XXXX and XXXX and XXXX to verify this account. It was considered unverifiable and removed from my credit report in XX/XX/XXXX, After sometime the account was readded without notice.
Loan servicing, payments, escrow account	Ocwen has the new payment wrong ( was interest only and principal payoff is starting now ), admits the mistake, but wo n't send a new statement with the correct payment. We 've wasted XXXX hours on the phone with their XXXX call center who keeps passing the issue around in circles. They have a payment based on 5 yrs rather than 15 yrs as per the loan docs. They realize this is wrong but XXXX ca n't seem to fix it.
Communication tactics	On XX/XX/XXXX I mailed a certified letter, return receipt requested to Wakefield and Associates disputing my debts and informed them in the letter to only contact me by mail. On XX/XX/XXXX a XXXX XXXX signed for the letter at Wakefield and Associates. XX/XX/XXXX XXXX from Wakefield and Associates called me and left a voicemail message stating who he was and this was an attempt to collect a debt and to return his phone call.
Attempts to collect debt not owed	Fair collections and outsourcing are reporting on my credit report saying I owe them a debt. I never agreed or signed any contract with FCO. They sent me a contract via cfpb with a signature that is ntot mines and lied saying I never contacted or spoke with anyone verbally. I have no abiding contract with FCO and they refuse to stop reporting on my credit report. They are in violation with the Fair Credit Reporting Act.
Applying for a mortgage	XXXX 2017, XXXX I have contacted this company more than one time to get this matter resolved. I have not received a phone or any feedback. It is reporting as derogatory for XXXX XXXX. I have never live there and the application was never complete. When I was going to sign a lease they change the cost of the rent before the move date application was never complete.
Incorrect information on your report	This agency has continued to report to chexsystems on an account I paid off in full on XXXX and closed as agreed upon.
Incorrect information on credit report	my credit report shows a different name under my social security number
Communication tactics	I 'm getting a variety of calls from a variety of phone numbers, some of which I 've traced to be Tek Collect. No one speaks and they leave empty voicemails.
Cont'd attempts collect debt not owed	I have made every attempt to dispute this account with both XXXX and Trojan Professionals. XXXX stated that Trojan Professional verified this debt. It will be impossible for Trojan Professionals to verify a debt that do not belong to me. I have not received anything from Trojans with regards to this debt. So they are in violation of the FCRA. Please assist me in getting this matter resolved.
Attempts to collect debt not owed	IC Systems has put a negative mark on my credit report I dont recognize. XX/XX/XXXX I went to the website and reported this and I have not had no response and it still on my credit report.
Cont'd attempts collect debt not owed	THEY ARE TRYING TO MAKE ME PAY A DEBT I DO NOT OWE
Credit monitoring or identity protection	I 'm trying enroll I think victim of identity theft I need help of a fraud alert on my info

Incorrect information on credit report

I have contacted all XXXX credit reporting companies regarding incorrect info on my credit report regarding a public record. XXXX deleted the incorrect info however XXXX and Equifax will not. I asked them to verify the information which they did not. I 'm writing you all to have this information removed as a solution. Thanks.

Taking out the loan or lease

My loan has been taken away but the company still keeps their account open in my credit information.

Taking out the loan or lease

There is an unauthorized inquiry.

Cont'd attempts collect debt not owed

XXXX XXXX treated my dog, overcharged me and they were paid in full.

Identity theft / Fraud / Embezzlement

I have checked my credit report from XXXX and I have noticed an unauthorized hard inquiry. I have no knowledement of this inquiry on XXXX XXXX, 2015. I would like it off my credit report due to I personally not applying this inquiry.

Advertising and marketing, including promotional offers

I added an authorized user during 2017 XXXX by promotional offer for XXXX XXXX points Then I finish spending requirement but american express closed my account and did not give me XXXX points.

Improper contact or sharing of info

They contacted my employer and told them i would be served with a summons at work the next day. They told them i was being sued. When i called they asked for my personal information and hung up when i did n't give them any. They called me the next day and left a message threatening to serve me at my home. I do not know who these people are and they would not tell me what i supposedly owe and to who.

Incorrect information on your report

I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help.

Managing an account

I have received my finicial aid disbursement for the XXXX XXXX XXXX in the amount of {$5100.00} on XXXX XXXX the hold was placed on my funds until XXXX XXXX even after the funds were paid the bank continued to hold my funds.

Cont'd attempts collect debt not owed

I do not know what this bill is and for what.

Cont'd attempts collect debt not owed

This company, ERC, began harassing me in XX/XX/2016. They call me consistently regarding a debt that I do not owe and have no idea about and they continuously try to get personal information from me such as my address, social security number etc. from me stating that they are going to collect their debt no matter what. They call me all the time from different numbers ( which I block ) and different representatives.

Written notification about debt

There has been a huge miscommunication between XXXX XXXX AND XXXX ( XXXX ) I have a XXXX balance turn in al my equipment and no longer have any contract whatsoever with either company. I dispute this debt. I was current and paid off, never late.

Improper contact or sharing of info

This collection agency has contacted me several times about a debt that I owe them. I am unfamiliar with this company and do n't understand how that got my information. I know that if this bill is from the old day care provider that I used the bill is not suppose to be this amount. However, this occurred seven years ago. I thought it suppose to have disappeared by now.

Improper use of your report

It has become apparant that the Data Breach in XXXX has caused considerable damage to millions of Americans across the country with no sign of remorse or monetary supplementation I believe my right to privacy has been infringed upon and request that all my personal information is stripped from the credit reporting agencies immediately all accounts deleted and all inquiries deleted from all 4 reporting agencies and new social security numbers issued

Late fee

JP Morgan Chase credit card company did not send a monthly statement so I had no information when my payment was due. This was done to scam me so that they could charge a " late fee '' for my not making a payment in time.

Incorrect information on credit report

There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and others that include past due amounts when in fact they were in XXXX. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not.

Can't contact lender

I had a Cash Call/XXXX payday loan. I went to make my payment and the account is gone and was told by the lender the account was paid in full. They said they could n't discuss the account with me. Why and who paid the account? I saw where Cash Call/XXXX was sued, who sued them and what happens to all the money I paid in?

Incorrect information on credit report

I was in a chapter XXXX. The mortgage company did not report my payments which I understand. My chapter XXXX was discharged in XXXX so I disputed the fact that it was not being reported because I had never been 30 days late. The mortgage company reported my payments and there were XXXX past 30 day payments on my report which dropped my credit rating that I have been working so hard to repair.

Communication tactics

I am currently paying off a Discover Loan through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. XXXX XXXX XXXX, XXXX are now trying to collect on the SAME debt!

Payoff process

our XXXX cards were cancelled. The account was turned over to XXXX international to set up a payment plan. We were told by XXXX that if our payments with XXXX were paid on time that our payments would not be counted as misses or late. our credit report indicates that we have 18 missed payments. We have made ALL of our payments with XXXX in a timely manner.

Dealing with my lender or servicer

I am on a rate reduction plan, and I called to resubmit because the last one was about to expire, and the lady on the phone told me to call back next month, and that I did n't owe anything that month. When I called the next month they asked me why I had n't paid last months bill. Things like this happen every time I call and it cost me extra money every time.

Improper use of your report

Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Improper contact or sharing of info

I have no idea which company represent never received a bill from previous company just find out when I pull up my credit that I have a debt of {$650.00} with a collection Agency without knowing the name of the previous company.

Overdraft, savings, or rewards features

On the XX/XX/XXXX I withdrew XXXXeuros from Coinbase digital wallet to my bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the firm a multitude of times without result. Through email, chat, XXXX, all fruitless attempts. It 's like I 'm purposely ignored. My email address at Coinbase is XXXXXXXXXXXX. I 'll send a screenshot as attachment. Thank you very much! Sincerely, XXXX XXXX XXXX

Attempts to collect debt not owed

XXXX SOLD ACCOUNT TO TO COLLECTOR TO WHOM VIOLATED THE F.C.B.A. AND FDCPA AND FCRA AND T.C.P.A. AND THE DODD-FRANK ACT. WE ARE SUING XXXX AND COLLECTOR IN CLASS ACTION EFFORT! WE ARE NOW ADDING XXXX TO SUIT.

Credit monitoring or identity theft protection services

These companies make it so you ca n't dispute anything on your report. Everyone should know how crooked this is and its setup so you ca n't dispute. The whole credit score and identity theft is a joke and people need to quit buying into this whole farce.

False statements or representation

Patient XXXX XXXX Dental Provider XXXX XXXX Collection Agency Golf Coast Collections XXXX of 2015 our Dental Insurance Provider told me I owe {$500.00} XXXX XXXX sent the account to Golf Coast Collections and said I owe over {$2000.00}

Written notification about debt

NCB management services is showing on my credit report for the amount of XXXX. I contacted the company and they say my account is closed and they have no information regarding account. Would like to dispute but company is unable to verify information.

Incorrect information on your report

I was receiving countless calls to XXXX ( my cell phone ) throughout the day and when I answered the person would either hangup or say hello and then hangup. I called back and every time I ask them to send me proof they hangup on me and I can't get through to anyone to resolve it. There is a {$410.00} charge I want removed and I want to be removed from their call list!

Attempts to collect debt not owed

A XXXX XXXX account was opened in my name that I did not open. I received a letter in the mail from Diversified Consultants who is the debt collector in the matter on XX/XX/XXXX. The letter states I owed XXXX XXXX {$1200.00} for services I did not purchase. I proceeded to call the collections company who said I have to file a police report. I filed a police report on XX/XX/XXXX.

Incorrect information on credit report

I have previously notified the credit bureaus this is a result of fraud and sent the police report. I am very upset this is still on my credit report.

Deposits and withdrawals

TD Bank debited my account {$50.00} for check # XXXX that was written for {$20.00} I have contacted customer service three times since XX/XX/XXXX and was advised it was going to be taken care of and to date it still has not been taken care of

Disclosure verification of debt

I am unaware of this debt.

Incorrect information on your report

There was an error on my employer 's behalf with submitting tax documents.

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

This account is reporting beyond the 7 year FCRA rules from the first day of delinquency. The first day of delinquency dates back in XXXX of XXXX . This account is obsolete and should no longer be reporting on my credit file. I have requested this item to be removed. This account was opened XXXX .

Dealing with my lender or servicer

When I do try to pay my student loans, I ask for the income driven repayment plan. However, it is still way too high. I have never been given a loan payment I can actually pay without draining my income. The customer reps always say I should just sign a forbearance form. It is not that I am unwilling to pay, it is that the repayment options are n't feasible.

Incorrect information on credit report

XXXX is listed on my Equifax report as charging off then going positive, and then charging off again, and then once again going positive. This is inacurate information reflected in my payment history that continues to keep my credit rating from improving. There are several accounts that are inacurate with my Equifax file that i have tried and tried to get resolve i have uploaded documentation that supports my claim.

Incorrect information on credit report

My XXXX credit card ending in XXXX went past due XX/XX/XXXX and remained that way until it was charged off in XX/XX/XXXX. This item is still showing on my credit report even though the 7 years since the first time it became past due has passed. I have enclosed statements showing the past due status of the account as of XX/XX/XXXX.

Incorrect information on your report

I sent a request to have my name and address updated about a month ago and the credit reporting agency has not corrected the issue.

Problems caused by my funds being low

PNC Bank manipulated transaction orders and delayed updating my account balance when items were listed as pending, which led to an overdrafting of my account. They then charged XXXX separate {$36.00} fees ( {$140.00} total ) as a penalty for their error.

Incorrect information on your report

Transunion has placed a tradeline on my credit report that does not belong to me.

Credit monitoring or identity theft protection services

Sensitive information compromised in Equifax hack.

Attempts to collect debt not owed

I received a call from a woman named XXXX XXXX claiming she was representing Chase bank. She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.

Charged fees or interest I didn't expect

I had no idea that I would get charge so much interest on a {$350.00} loan. I have borrower from Lend up and they dont cost nearly as much as BPL. I have made 2 payment triple the about I borrowed. Please help me! I have made over XXXX in intrest.

Problems caused by my funds being low

m and t bank will hold on to checks that should have been cashed when the account is low so they can charge you with an over draft fee, this is happing to many times.

Cont'd attempts collect debt not owed

I have begun receiving at least XXXX to 3 calls per day from Diversified Consultants , Inc . They are very rude and claim they are contacting me regarding a bill I owe to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX and do not want to continue to be harassed by this organization and want them to stop. Today I received a letter via the mail claiming I owe a balance of {$550.00}. Please make them stop calling and mailing me. Thank you in advance.

Taking/threatening an illegal action

Recieved a call from a lady name XXXX earlier in the week and she stated I owe a debt with XXXX XXXX and gave me the price of the alleged debt owed. She stated legal actions will be taken against me is debt was not paid. She Call today about the debt but this time it was a different amount. I googled the company and read that people were scamed by this company ZFN & Associates. The number she used to called my cell is XXXX

Incorrect information on your report

I was shocked when I reviewed my credit report and found a late payment on the date below : CREDITOR : XXXX/XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments to you when I received my statements. I am not sure how this happened. I believed that I had made my payments to you. My only thought is that there was a billing error with my statement.

False statements or representation

XXXX Mortgage XXXX is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment.

Incorrect information on credit report

According to my credit report dated XXXX/XXXX/2014 my XXXX XXXX utility bill is more than 90 days overdue. However, I have not missed a payment since opening the account XX/XX/XXXX. The credit report also states that the account is current, but the payment is late. I have disputed this with Transunion but have not gotten a response. I will mail supporting documentation via USPS.

Incorrect information on credit report

On XXXX XXXX, 2015 I disputed an unauthorized inquiry on my report. I was unsuccessful in receiving a response from XXXX XXXX XXXX after not receiving a response, I sent my letter of concern to the XXXX credit bureaus addressing my concern. XXXX XXXX XXXX responded after the 30 day time frame only to ask to send additional information I have already provided. See information attached and remove this from my credit report.

Dealing with my lender or servicer

I keep getting calls from the collector of my student loan, Weltman Weinber & Associates, at very inconvenient times, before XXXX on weekdays. I have filed a complaint with them before through the Ohio XXXX and they had agreed to stop the calls. However ; their calls continue to be placed very early in the morning. I want this level of harassment to stop and to communicate with them only through mail at this time.

Threatened to contact someone or share information improperly

This Debt Collection Agency has my medical information, which i did not authorize them to have and Shared my medical information with the XXXX Credit Reporting Angencies in XXXX 2016, when I disputed the validity of the debt! This is inviolation of the Hippa Laws!

Problem with fraud alerts or security freezes

I was a victim of identity theft. a lot of accounts were opened in my name and it 's still been reported.

Late fee

Synchrony Bank charges interest on late fees. They said that late fees are considered part of the total payment and purchases.

Loan modification,collection,foreclosure

I need some help with saving my home from foreclosure. I am behind in my mortgage payments and am in foreclosure with a sale date scheduled on XXXX/XXXX/16. Wells Fargo/ASC said they would review me for a loan modification and I have provided all requested documents to them. I just need to make sure the sale doesnt take place that is scheduled on XXXX/XXXX/16. Please help me in any way possible, thank you.

Incorrect information on credit report

trans union has shared my other accounts to show how much I am paying per month on all open accounts and the information supplied is incorrect.

Billing statement

I recently was approved for a Target credit card. When I went to the company 's website to sign up for online account management I was not allowed to sign up because I would not agree to receive all communication, including monthly billing statements electronically. In addition, I would also have to agree to pay my credit card bill through their website. I declined to sign up. I believe this is unfair.

Communication tactics

Had a contract with XXXX.wasnt happy with service.wanted to go back to XXXX.XXXX said they would pay termination fee, and they did! XXXX said we owed more which we did n't.

Fraud or scam

On the XXXX we had a scam phone call from " IRS '' and " sheriff department ''. They asked us to pay them {$4900.00} through Bank of America. Because we got afraid we did that. However after we checked with police department in XXXX XXXX, CA we found that this was a scam. We tried to stop transaction but it was too late. The bank does not like to give us money back. We need help to recover our money back. XXXX XXXX

Closing on a mortgage

On XX/XX/XXXX I received Mortgage Satisfaction, Letter from Bank of America. Called Bank of America, to inform the paper work was Incomplete. File complaint on XX/XX/XXXX. Bank of America called me on XX/XX/XXXX. Bank of America is unwell to give me a date when they will release missing title to my home. On XX/XX/XXXX Bank of America received payment Of XXXX to close the loan. It has 146 days and counting And still I can not prove I own the home I live in.

Struggling to pay mortgage

In XXXX XXXX we applied for a loan modification. All requested paperwork was turned in on a timely manner. In XXXX XXXX, XXXX we were told our income was not enough. Our income changed in XXXX XXXX, XXXX our income increased and proof was turned in. On XXXX XXXX, XXXX we were informed it was too late and a foreclosure was in process. We objected but were told it was too late in XXXX XXXX, XXXX.

Incorrect information on credit report

XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XXXX. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.

Incorrect information on your report

I filed a bankruptcy for chapter XXXX in XXXX and the discharge of it went out since XXXX. Van XXXX years of that process and still Equifax shows the same in my credit report.

Cont'd attempts collect debt not owed

Collection agency is attempting to collect on a debt that I satisfactorily paid off a few years ago.The collection agency has XXXX the price owed and has negatively placed this collection on my credit report.

Credit monitoring or identity protection

I contacted XXXX XXXX on a closed acct closed on XXXX, XXXX, 2011, that i was a co signer on and i asked that the negative be removed from my credit because it was causing a hardship. They said they were keeping it for XXXX years. I would like this removed the loan was paid off and it is causing my family a hardship.

Cont'd attempts collect debt not owed

This debt is not valid. The information is inaccurate. They are trying to charge me for things that did not even exist. They said I owe XXXX but in cost to repair it says XXXX dollars. Then when I ask for explanation of charges they send me a maintenance price list in which half of the items are not even on the move out sheet. This has cost my family to be homeless among many other things.

Dealing with your lender or servicer

I would like validation of my student loans with Navient.

Incorrect information on your report

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

Taking/threatening an illegal action

I want to know why XXXX was hit with a consent order in XXXX and told that employees of the debt collector could not testify in court as custodian of records as to the validity of the documents, and therefore not have the documents submitted into evidence, it is still allowed in XXXX? Specifically by Absolute Resolutions. A debt buyer that uses it 's own employee, XXXX XXXX, to testify as custodian of records for debt that originated with XXXX XXXX.

Incorrect information on your report

There are 5 name on my credit report that Ive been trying to correct for almost a year ... .. XXXX XXXX XXXX - not me XXXX XXXX XXXX -not me XXXX XXXX XXXX - not me XXXX XXXX -not me Ive paid in good standing XXXX car loan XXXX XXXX XXXX Never lived in any other state 2 address XXXX XXXX XXXX XXXX nj XXXX-me XXXX XXXX XXXX XXXX nj XXXX -me XXXX XXXX

Taking/threatening an illegal action

The constantly call me wanting me to pay over the phone, and want my personal information. When I tell them I will verify what they have the lady got really rude with me and told me they are going to sue me and garnish my wedges, but would not tell any thing else.Will not send me any papers in the mail like I have repeatedly asked. Constantly tell me that I need to pay.

Credit reporting company's investigation

THIS IN REGARDS TO A COLLECTION ACCOUNT ON MY CREDIT REPORT LISTED AS XXXX XXXX # XXXX for the amount of {$620.00} that has been disputed in the pass ... the experian did not properly verify this account ... .due to the fact that the company itself has no imformation regarding this account accept the original creditor. when i disputed the validity of the debt .... experian will not inform me of their verification methods .... ..

Other fee

I have a CITI issued prepaid visa that was issued XX/XX/XXXX. I was unable to activate it in the 4 month window. When I called today XXXX agent ID XXXX advised they seized all funds and account {$0.00}. The terms and conditions advise of a {$3.00} per month maintenance fee but has no reference to the card company seizing entire balance. XXXX Visa Card was issued with balance {$120.00} now {$0.00}

Incorrect information on credit report

wrong information on my report im XXXX

Struggling to repay your loan

I am currently a college graduate student at a XXXX XXXX in Massachusetts.I was encouraged to apply for student loans through XXXX 'MASSACHUSETTS EDUCATIONAL FINANCING AUTHORITY ' a state agency which are only available to students who are Massachusetts residents or attend college in Massachusetts.I was devastated to learn that i could not defer my undergraduate loans from XXXX XXXX while i continued my education.

Loan modification,collection,foreclosure

I took out a mortgage loan in 2006 because it was advertised as a low monthly payment and low interest rate. However, every month the mortgage payment kept increasing including the interest rate. I defaulted because the payment ended up getting so high that I was no longer able to afford the monthly payment. It was like if the bank wanted me to default on the loan on purpose. I also tried to modify the loan several times but it was denied.

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

My payment for XXXX 2017 to my mortgage payment to Ocwen Mortgage is missing in my XXXX Credit report ( see attachment ) and also my Credit report was last updated XXXX XXXX , 2017 by my credit reporting agency

Improper use of your report

I was purchasing a vehicle back in XXXX and Ally Financial ran my credit 7 times, there is no reason why it should put 7 inquiries on my credit report. I sent a verified letter to the dealership and to ally financial, and I got a response back that it was " factual ''. I am trying to purchase a home for my family right now and this is damaging my credit.

Attempts to collect debt not owed

In XX/XX/2018 and prior I have disputed the negative account with all three collection bureaus and spoke to a representative explaining that the debt was not mine. I was able to show that I lived nowhere near the area at the time the debt was taken out. This debt is for a gym membership in XXXX, Ga.

Improper contact or sharing of info

Continue to get calls at my workplace when asked not to! Also, leaving messages, or trying to speak to co-workers to try to contact me!

Incorrect information on credit report

I have disputed several times several public records listed on my personal credit file with Equifax. There are inaccurate remarks and even duplication 's. I ca n't get anywhere with this agency. Please help as they are listing # XXXX tax lien for {$80000.00}, # XXXX tax lien again for {$80000.00}, # XXXX {$1700.00} and # XXXX tax lien XXXX I do not owe any tax liens and these are a mistakes listed. Please help

Closing/Cancelling account

I want this account to be removed from XXXX closed account XXXX/XXXX/09 with XXXX balance.

Cont'd attempts collect debt not owed

Wells Fargo call me two to three times a day ( on number XXXX ) attempting to collect/negotiate a debt. This bank leaves a voice message for XXXX. The message is from XXXX with wells Fargo Card Services, asking XXXX to return her call. This harassment has been going on for over two months now. Some calls are late at night. I am NOT XXXX and my voice mail message clearly states my name, being XXXX.

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

Equifax is reporting fraudulent inquiries from XXXX XXXX on my credit file and refusing to investigate them correctly to remove them from my report

Incorrect information on credit report

As of XX/XX/2017 I have noticed an address on my Equifax credit report that I have never been associated with and would like proof my connection to this address or its immediate deletion.

Attempts to collect debt not owed

Stated XX/XX/2016 I owe {$2400.00} in debt to Pro Collect I cant get any information on it dont even know where the debt from. Seem like I cant get accurate information on it.

Shopping for a loan or lease

I applied for an auto loan. Unfortunately, Exeter Financial wanted to charge me an interest rate of 15.4 % which is absurdly high. Exeter Financial has a reputation for charging XXXX and XXXX customers higher interest rates than XXXX borrower applicants. They were trying to charge me an absurdly high interest rate because of my national origin.

Disclosure verification of debt

I initially did a dispute through XXXX and XXXX and XXXX to verify this account. It was considered unverifiable and removed from my credit report in XX/XX/XXXX, After sometime the account was readded without notice.

Loan servicing, payments, escrow account

Ocwen has the new payment wrong ( was interest only and principal payoff is starting now ), admits the mistake, but wo n't send a new statement with the correct payment. We 've wasted XXXX hours on the phone with their XXXX call center who keeps passing the issue around in circles. They have a payment based on 5 yrs rather than 15 yrs as per the loan docs. They realize this is wrong but XXXX ca n't seem to fix it.

Communication tactics

On XX/XX/XXXX I mailed a certified letter, return receipt requested to Wakefield and Associates disputing my debts and informed them in the letter to only contact me by mail. On XX/XX/XXXX a XXXX XXXX signed for the letter at Wakefield and Associates. XX/XX/XXXX XXXX from Wakefield and Associates called me and left a voicemail message stating who he was and this was an attempt to collect a debt and to return his phone call.

Attempts to collect debt not owed

Fair collections and outsourcing are reporting on my credit report saying I owe them a debt. I never agreed or signed any contract with FCO. They sent me a contract via cfpb with a signature that is ntot mines and lied saying I never contacted or spoke with anyone verbally. I have no abiding contract with FCO and they refuse to stop reporting on my credit report. They are in violation with the Fair Credit Reporting Act.

Applying for a mortgage

XXXX 2017, XXXX I have contacted this company more than one time to get this matter resolved. I have not received a phone or any feedback. It is reporting as derogatory for XXXX XXXX. I have never live there and the application was never complete. When I was going to sign a lease they change the cost of the rent before the move date application was never complete.

Incorrect information on your report

This agency has continued to report to chexsystems on an account I paid off in full on XXXX and closed as agreed upon.

Incorrect information on credit report

my credit report shows a different name under my social security number

Communication tactics

I 'm getting a variety of calls from a variety of phone numbers, some of which I 've traced to be Tek Collect. No one speaks and they leave empty voicemails.

Cont'd attempts collect debt not owed

I have made every attempt to dispute this account with both XXXX and Trojan Professionals. XXXX stated that Trojan Professional verified this debt. It will be impossible for Trojan Professionals to verify a debt that do not belong to me. I have not received anything from Trojans with regards to this debt. So they are in violation of the FCRA. Please assist me in getting this matter resolved.

Attempts to collect debt not owed

IC Systems has put a negative mark on my credit report I dont recognize. XX/XX/XXXX I went to the website and reported this and I have not had no response and it still on my credit report.

Cont'd attempts collect debt not owed

THEY ARE TRYING TO MAKE ME PAY A DEBT I DO NOT OWE

Credit monitoring or identity protection

I 'm trying enroll I think victim of identity theft I need help of a fraud alert on my info