determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Dealing with your lender or servicer	I have tried several times to consolidate and lower monthly payments. I have various interest rates as high as 13 %. They are unwilling to discuss and say they have nothing available. When I was unemployed they did not offer any relief and continue to offer no assistance or forbearance. They also where assertive in borrowing me funds while I had already borrowed {$65000.00} for my degrees already. After reviewing my credit I expect to be denied.
Incorrect information on your report	Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX refuses to remove or correct.
Communication tactics	Debt company trying to collect the debt which has any right to do so. Same debt previously has been tried to be collected by multipple different companies, with each of them failing to validate the debt or prooving to be the rightfull executor of the debt. Letters of validation, as well of cessing any communication will be send to the collector. If company will still harass me in any way, I wo n't hessitate to take legal actions against them.
Incorrect information on credit report	I have worked for the same company for 20 years and it is n't showing up on my credit report.
False statements or representation	Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.
Advertising and marketing	US Bank advertised its XXXX XXXX card with " bonus award night exclusively for card members '' who " enjoy all these benefits after paying {$75.00} annual fee. Relying on this advertising, we paid the annual fee, but now the bonus award night has been rescinded.
Incorrect information on your report	I am a victim of identity theft. The following XXXX XXXX credit card account : XXXX do n't belong to me. It 's not my account.
Incorrect/missing disclosures or info	I sent money to my friend in XXXX but by mistake I sent to a wrong bank. It happend on XXXX/XXXX/2016
Lender repossessed or sold the vehicle	Title Max of Texas, Inc. d/b/a Title Max, XXXX XXXX, Texas I have paid over XXXX dollars for XXXX loan to there company because XXXX a month was a lot for me just for interest. They have towed my car twice and vandalized and stolen the contents. The contents were all of my Identification to legally enter the XXXX XXXX XXXX XXXX
Incorrect information on credit report	Experian refuses to remove the incorrect address XXXX XXXX XXXX XXXX, CT XXXX, from my credit report.
Written notification about debt	When I moved out of the apartments, I signed my contract over to someone else. My rent was paid in full. 6 months later they said I never paid the last month. However, they wouldnt let me move out until I paid the rent in full.
Communication tactics	This company call repeatedly and has called my friends, neighbors and family members. I have asked them to stop. They violate privacy laws and give information they have no right to share with others. They have yet to provide me with anything in writing.
Improper use of your report	I have multiple inquiry entries that I did not initiate, nor give permission to release any of my credit information within my credit profile, the entries are as follow : 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX XXXX 6. XXXX. XXXX 7. XXXX XXXX XXXX 8. XXXX. XXXX XX/XX/XXXX, XXXX 9. XXXX XXXX XXXX
Loan modification,collection,foreclosure	Private Bank of XXXX refused to share the appraisal of our home during the negotiation of the sale, resulting in the buyer 's frustration and walking away from the offer. We are now being threatened with having to pay the balance of the loan or renegotiate the terms of the loan as it will shortly become due.
Incorrect information on your report	I was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are inaccurate.
Incorrect information on your report	Equifax has added a 90 days Fraud Alert i n my credit report stating that was requested by consumer. I HAVE NOT REQUESTED A FRAUD ALERT TO BE ADDED ON MY REPORT. Please REMOVE Fraud Alert i mmediately.
Cont'd attempts collect debt not owed	On XXXX/XXXX/15 I paid a debt owed to a collection agency in full. In writing I received notice that they would not report to a credit reporting agency. However as of this date, they continue to report the account and refuse to remove it even though I have pointed out in their own writing that they agreed not report to the credit reporting agencies.
Incorrect information on your report	XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX all should n't be reported to my account I told them who I was staying with put me out and use my identity to try to obtain Credit in my name
Problem with a credit reporting company's investigation into an existing problem	I mailed an addition to credit report letter to Transunion to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
Incorrect information on your report	I did not apply for any new credit or a cell phone account and have a new HARD INQUIRY from XXXX XXXX XXXX on my Equifax report. Please investigate. Thank you SO much!
Advertising and marketing	I applied for a Chase Sapphire Reserve credit card on-line from their official web site and my credit card application was denied because of a XXXX rule ( I applied for more than XXXX credit cards in the last 24 months ), which was not clearly written in the application page.
Communication tactics	I receive on average 3 phone calls a day. I have repeatedly asked them to stop calling, and even to communicate via email. They 've insisted that they can not communicate via email and that they will continue to call. From XXXX XXXX I recieved 63 phone calls.
Credit card protection / Debt protection	One Main Financial keeps attempting illegal phone calls to me after I have requested for them to stop. I sent them a letter, here it is attached and they are flagrantly disreguarding federal laws in their attempts and they need to be fined in accordance with the do not call policy. Consumers need help against banks like this.
Problem with a credit reporting company's investigation into an existing problem	I have sent IRS Not ice of Withdrawal of Federal Tax lien to Equifax, XXXX and XXXX to delete the entry from our records, and they have not.
Incorrect information on credit report	We did a refi with XXXX on XX/XX/2015 did the closing on XX/XX/XXXX and it did not get to our old mortgage co until XX/XX/XXXX.now the old mortgage.co is reporting us 30 days late for our XX/XX/XXXX payment.I have talked to everyone and no help, everybody at the time assured us that it would be there on time.We have never been late and my husband is a XXXX on XXXX and turning XXXX this coming year .can you please help
Cont'd attempts collect debt not owed	Been getting calls from Credit Collection Services from phone no. XXXX trying to collect from unpaid bills from XXXX XXXX XXXX. I do not have subscription from XXXX XXXX XXXX and the person on the phone are demanding, interrogating, and unpolitely harrassing me. He has my phone number and name and some PII. I am a federal employee whose background check information was compromised at OPM..
Improper contact or sharing of info	World Acceptance was contacting my references and leaving them messages about how far past due I was and also asked a reference if they could make the payment or loan me the money to make the payment. They have also continued to call myself and also my work after they have taken me to court and been told to not contact me through work from me and they continuously call me everyday on both numbers.
Can't contact lender	I am receiving suspicious calls from a company saying that I owe money from a payday loan. They are constantly calling leaving threatening voicemail messages. They say that they are going to serve me papers to sue me for check fraud. I asked them to send me written verification by mail. They refused. They wo n't give me any legitimate information. No full company name, no mailing address. The phone calls coming in are from numerous numbers.
Problem with fraud alerts or security freezes	Good Morning : My credit information was included in the recently disclosed ( XX/XX/XXXX 2017 ) Equifax security breach. I would like to place a security freeze on my credit file at the 3 major credit bureaus, but each charge a fee for this action. This action is wholly required due to Equifax 's failure to secure information, Equifax should cover all expenses incurred by consumers to protect their credit information for the rest of their lives.
Incorrect information on your report	I have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts on my report.
Communication tactics	Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas.
Disclosure verification of debt	Creditor did not give me a chance to pay it prior to it being placed on my credit as a collection
Incorrect information on your report	I was told by the company in question that when i paid the account in full that they would remove the derogatory account from my credit report with the 3 credit bureaus. I paid the account but they never removed the account from the three credit bureaus.
Loan modification,collection,foreclosure	Loss job and was unable to pay mortgage.
Unable to get credit report/credit score	I went to XXXX to get my report. The Transunion questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
Incorrect information on credit report	To whom this may concern, In follow up to my disputes concerning false information on my credit report, I have obtained my FTC Identity Theft report number which is : XXXX. The website is broken at the moment and will not generate a full PDF, however, Chex Systems , Inc. is legally required to investigate all disputes for fraud and the information within this PDF will assist in removing known to be false and previously disputed information.
Dealing with your lender or servicer	In XXXX And XXXX of 2014 i asked for a Forbrence and was told that i got it but was stilll marked for late payment. which is still on my credit. The company is Navient
Disclosure verification of debt	I do n't owe XXXX {$33.00} I do n't even have their service
Taking/threatening an illegal action	USBank and XXXX -This card was charged off back in 2001 they attempted to put a lien on my home but it fell off but since then I 've sold the house. I have not heard from these people for XXXX years and all of sudden they are trying to serve me. This company is harrassing my family members.
Improper use of your report	These inquiries were not authorized by me I contacted the credit agencies but the items were not removed. TransUnion XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017
Taking/threatening an illegal action	Barclays Bank Delaware obtained a judgment against me in a county in XXXX. I live in XXXX and being unable to travel to XXXX they obtained a garnishment of my wages in XXXX without transferring the case to XXXX where I would be able to seek exemption for rent and other living expenses.
Attempts to collect debt not owed	My old boyfriend got in my bank account and took money out of XXXX XXXX when he was here. He saw my password to my bank. Did not know it at the time. He took XXXX out that I never had in there and ran with it!
Communication tactics	The collector has called another family member and constantly keeps calling my cell after I said stop.
Settlement process and costs	In regards to the CFPA complaint response to # XXXX Specialized Loan Servicing failed to have a Date for the Blank Endorsement Stamp on Equity Agreement Document and to identify the " Note Custodian '' holding original documents.
Communication tactics	repeated calls after being told that I was laid off from work. adding stress to my dilemma by questioning me about how I survive.
Taking/threatening an illegal action	The company called me threatened to have me put in jail and I would have to attend classes if I did not pay full amount. Told me I committed fraud and had to pay full amount or they will send me to my county court. Contacted friends and relatives and revealed personal information to them regarding my debt. Threatened to take my references to jail as well
Loan servicing, payments, escrow account	Citi Mortgage is not reporting payments to credit bureaus. And I have spoken with them on several occasions in an attempt to remedy this issue
Opening an account	I purchased a bank check in the amount of {$1500.00} payable to my granddaughter. My granddaughter missed placed the check and I put a stop payment on the item. I was told that the replacement of said item would take 90 days. I found this unacceptable. I tried to get them to replace it sooner and they will not.
Loan servicing, payments, escrow account	BSI Financial mailed a Escrow disbursement check naming me and my EX wife the payees. I am divorced, quit claim deed was filed. There is an order of protection on file. I do not have any contact with my ex wife. I mailed in all documentation stating such. They were unwilling to reissue a check with only my name so I could cash it. So there is money sitting not being utilized because of this inconsiderate, corrupt company.
Credit reporting company's investigation	I have asked via certified letter to validate accounts with XXXX, XXXX and XXXX to no avail. My response was " account verified ''. However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.
Incorrect information on credit report	I been pay on time
Improper contact or sharing of info	The manager of Eagle Loan Compnay visited my home and left a postcard ( business card ) in the door about contacting his office. This upset me and my husband tremendously and was extremely embarrassing. I asked to be contacted on my cell phone only. I thought it to be completely harrassment to vist my home, all I receive are calls, they have never sent me a letter, stating the balance. But the manager made a house call to my home.
False statements or representation	I disputed this claim thru XXXX about a double posting of a collection account of {$800.00} beginning of XXXX XXXX and XXXX is not going to take the double posting off my credit report. The open date is XXXX XXXX, XXXX on the double post. I have called XXXX XXXX XXXX XXXX, NJ and they said they will not take this amount off till I pay in full which is {$800.00} not {$1600.00}
Adding money	I put money on a card and she took my money
Incorrect information on credit report	I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditor 's collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.
Managing an account	XXXX/XXXX/17 i attempted to link this account with the stock for the business line account and got an error message. i ws promoted to file this notice
Cont'd attempts collect debt not owed	Have received XXXX to XXXX ROBO calls from Synchrony Bank daily related to Amazon credit card. I did use this card and scheduled XXXX payments XXXX, XXXX and XXXX to pay off the charges ( 6 months interest free if paid ). First payment is XXXX/XXXX/15. This was based on their payment schedule. Their system when trying to connect from the phone calls was failing to transfer to a person until tonight.
Disclosure verification of debt	The company contacted me regarding this debt and have not provided me with additional information, nor verified where I agreed to take on such a debt as this. Which obviously, I have not. A XXXX XXXX, I believe, has begun calling the workplace and started a harassment campaign.
Cont'd attempts collect debt not owed	I am receiving numerous robocalls daily asking for a person who is not known to me. I have received 31 calls in the last 20 days ranging between XXXX and XXXX. It is very annoying. The caller ID shows Navient at XXXX which I believe is a debt collector. The calls are recorded messages. I wish this to stop.
Improper use of your report	I have been contacting Capital One since XXXX 2017 about 3 hard Inquiries that are on all 3 credit bureaus XXXX XXXX & XXXX XXXX, which are damaging my credit. I do not recognize these inquiries, and have place a fraud alert on my report. I have spoken with dozen Representatives from Capital One with no resolution ... ..last 4 of my social security number
Incorrect information on credit report	Transunion refuses to help me.
Improper contact or sharing of info	I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt.
Cont'd attempts collect debt not owed	I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine.
Incorrect information on credit report	I have paid my intouch account credit card balance of XXXX {$.00} however the credit report XXXX still shows as balance XXXX {$.00} request to help me in clearing this from the reports as it impacts my credit score even though I paid my balance
Struggling to pay mortgage	We have submitted a Complete Loan Modification Packet but the lender is refusing to review because of the sale date. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regula tion X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). QWR was sent on XXXX -2017 with no response.
Incorrect information on your report	This credit bureau has been notified that this account is not mine and may have been obtained fraudulently. The companies are XXXX XXXX and XXXX.
Improper contact or sharing of info	COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA
Improper use of your report	I have several inquiries that are appearing on my report that are not mine. Wells Fargo # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.
Improper use of my credit report	I have asked TD Bank to remove mortgage information that has been settled in short sale, but they continue to report negative information. The properties were sold in XXXX, yet the accounts remain active on my credit report.
Incorrect information on your report	A new collection was reported on my Experian account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. Experian keeps messing with my credit account and we do not know why this keeps happening.
Incorrect information on credit report	all XXXX burs are still reporting items over 7 yrs, XXXX reported to your agency that the item in question was remove and was reported to all XXXX burs that the item was paid XXXX which the banks used still have a item XXXX. when this was paid
Shopping for a loan or lease	I was put on an auto loan as co-borrower, the borrower and I are divorced and he has me on a loan that he has defaulted on purpose because I filed for divorce and divorced him. Im now trying to move on with my life and now this issue has come up. I would like to have myself removed from this loan that is hurting my credit. Im being held responsible for his actions and Im not driving the car that is in question.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013 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.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, Bank XXXX XXXX, XXXX XXXX, Bankruptcy, The XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And XXXX has never been late
Getting a loan or lease	Capital One denied an " End of Lease Buyout '' financing loan to me due to " Previous delinquent account ''. Company never stated what the account was so I contacted them to find out. They also refused to work any type of deal regarding the supposed debt meaning to consolidate the debt into the car loan. They did mention that it was NOT denied due to credit score.
Credit reporting company's investigation	There is car reporting on my credit that was a repo in XX/XX/XXXX. I reported back then that I did not authorize the buying of the car but nothing was ever done. I waited until XX/XX/XXXX seven years after the reported repo and ask that it be taken off but they want even allow me to investigate it claiming an investigation was done already. Will not give me the option to ask for another a car has been on credit for 9 years
Was approved for a loan, but didn't receive the money	XXXX XXXX notified me that USAA is not relaying information timely so it is hindering my use of their services
Unable to get credit report/credit score	I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information.
Account opening, closing, or management	Flagstar has misappropriated funds from mortgage customers through unauthorized " fax fees '' charged for payoff statements. They overreach their interpretation of permission waivers to quietly add a usurious fee for faxing payoff notices. XXXX attempts to resolve this dispute were unsuccessful. Customer 'service ' representatives were rude, condescending, and unreceptive to any sort of negotiated resolution.
Incorrect information on credit report	Under late payments I have XXXX reported by my mortgage company. I was under a grievance for XXXX payments and then Thru a modification process. I was instructed not to pay during this period. After my trial modification period the modification was finalized and the account is in good standing. I am requesting this be removed from my credit report
Trouble during payment process	I took out a loan for {$310000.00} from XXXX XXXX in XXXX . It was then sold to Green Tree with loan number : XXXX and then to XXXX with loan number : XXXX , then to XXXX with loan number : XXXX and I have still not received an updated payment history from them. It is apparently now with XXXX XXXX XXXX .
APR or interest rate	The way payments are applied by banks to different balances with different interest rates is NOT consumer friendly at all. I should be able to denote exactly where every cent of my money is going.
Credit reporting company's investigation	I sent in a dispute to TransUnion regarding a federal tax lien that was an error. I sent the documents that clearly showed an error had happened and I had to get my congressional representative to force the IRS to correct this. TransUnion did not delete this from my credit record but changed it to a paid tax lien. This is not correct and I want this record deleted from my credit records as the other credit reporting agency has done. ( XXXX ).
Unable to get credit report/credit score	I just pulled up my Free Annual Credit reports from XXXX and XXXX. No Problem accessing and receiving the reports. When I went to the Equifax site, they refused to process my report on line. They stated that I needed to send them copies of my Social Security Card, Drivers License, etc. They said it 's for my protection. What is their problem. XXXX and XXXX were quite friendly.
Closing an account	in fact, I opened an online account at the bank group : national city bank group. my account was only visible for two months then nothing. I have addressed correspondences still no solution to my problem.
Cont'd attempts collect debt not owed	I have contacted several times to advise the debt does not belong to me
Cont'd attempts collect debt not owed	check n go continues to attempt to collect a payday loan that is now discharged in a ch XXXX they have continued these collection attempts the last 4 years even when told it was filed. they continue to tell me they were not listed but I have attached the XXXX showing them listed
Fees or interest	I called XXXX XXXX store card which is a part of Citi Bank. The interest rate is rather high. I have NEVER missed a payment and asked to have the interest rate lowered they said no. I feel I am being unfairly treated and want to complain.
Unexpected or other fees	XXXX XXXX,2017 Unauthorized atm transactions were being processed on my account more than {$1400.00} was taking out my account! I have an account with rushcard I did everything possible to prove & show to them i didnt authorize these transactions Im still getting a hard time & want to get the lawn involved now
Delinquent account	I viewed my credit report and I still have a credit card from Citi Cards/Citi Bank ( that had been charged off in 2010 ). It has been over 7 years since this has been delinquent/charged off and the Fair Credit Reporting Act states that negative items must be removed from your credit report seven years from the first date of delinquency. The negative delinquency is still showing on my report and I would like to have it removed.
Incorrect information on credit report	This account is past the statute of limitations and I have an open and active account with them. Please remove this item from my credit file XXXX XXXX XXXX
Improper use of your report	Equifax security breach potentially exposed my credit information according to equifaxsecurity2017.com
Account opening, closing, or management	I signed up for a promotion for XXXX XXXX after completing specific requirements. " Within 60 days after account opening : you spent the required minimum amount ( {$1000.00} ) using the Citibank Debit Card Completed 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month " I have completed this and never got my points, I have requested twice for reviews and nothing has happened.
False statements or representation	Ic system inc is trying to collect on a debt that originally defaulted over 9 years ago. It 's now on my credit report and their attempts to collect are beyond az statute of limitations.
Cont'd attempts collect debt not owed	Company ( North Star Location services ) is contacting myself and my wife to collect a debt from / locate a family member whose debt it actually is.
Cont'd attempts collect debt not owed	Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact XXXX XXXX and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. I have attempted to contact XXXX at XXXX and tried to reach via phone.
Incorrect information on credit report	XXXX nissen altima was fininaced in XXXX with XXXX it was paid in full XXXX titles was released and sent to me traded the car in XXXX and purchased a XXXX dodge thru XXXX, the amount of {$1000.00} was put on my credit XXXX if it was not paid in full the titles would not have been released, i am deputing that {$1000.00} amount on my credit, please remove it.
Incorrect information on credit report	With this reporting agency the Tax Lien has expired according to trans union this case will not be resolved due to the fact of their policies, but why other agencies like XXXX and XXXX had removed the tax lien report from their list, all XXXX agencies operate under the same policies and compliance and also the merchants whom consult with tax lien removal will constantly send me mail which is very annoying.
Attempts to collect debt not owed	XXXX XXXX the original service provider removed once i advised that this amount was not owed and i was charged for equipment that was not contractual and XXXX acted in bad faith and did not provide the services that they alleged to be the provider of. They had removed the negative information and sold the account to a different debt collector that later transferred it to diversified.
Disclosure verification of debt	In XXXX of this year I noticed an account reporting on my credit file and by RGS Financial. I immediately mailed them a letter requesting validation and more information pertaining to this account. It 's been several months and they 've still yet to send any sort of communication pertaining to this supposed debt, however the account continues to report on my XXXX credit file.

Dealing with your lender or servicer

I have tried several times to consolidate and lower monthly payments. I have various interest rates as high as 13 %. They are unwilling to discuss and say they have nothing available. When I was unemployed they did not offer any relief and continue to offer no assistance or forbearance. They also where assertive in borrowing me funds while I had already borrowed {$65000.00} for my degrees already. After reviewing my credit I expect to be denied.

Incorrect information on your report

Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX refuses to remove or correct.

Communication tactics

Debt company trying to collect the debt which has any right to do so. Same debt previously has been tried to be collected by multipple different companies, with each of them failing to validate the debt or prooving to be the rightfull executor of the debt. Letters of validation, as well of cessing any communication will be send to the collector. If company will still harass me in any way, I wo n't hessitate to take legal actions against them.

Incorrect information on credit report

I have worked for the same company for 20 years and it is n't showing up on my credit report.

False statements or representation

Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Advertising and marketing

US Bank advertised its XXXX XXXX card with " bonus award night exclusively for card members '' who " enjoy all these benefits after paying {$75.00} annual fee. Relying on this advertising, we paid the annual fee, but now the bonus award night has been rescinded.

Incorrect information on your report

I am a victim of identity theft. The following XXXX XXXX credit card account : XXXX do n't belong to me. It 's not my account.

Incorrect/missing disclosures or info

I sent money to my friend in XXXX but by mistake I sent to a wrong bank. It happend on XXXX/XXXX/2016

Lender repossessed or sold the vehicle

Title Max of Texas, Inc. d/b/a Title Max, XXXX XXXX, Texas I have paid over XXXX dollars for XXXX loan to there company because XXXX a month was a lot for me just for interest. They have towed my car twice and vandalized and stolen the contents. The contents were all of my Identification to legally enter the XXXX XXXX XXXX XXXX

Incorrect information on credit report

Experian refuses to remove the incorrect address XXXX XXXX XXXX XXXX, CT XXXX, from my credit report.

Written notification about debt

When I moved out of the apartments, I signed my contract over to someone else. My rent was paid in full. 6 months later they said I never paid the last month. However, they wouldnt let me move out until I paid the rent in full.

Communication tactics

This company call repeatedly and has called my friends, neighbors and family members. I have asked them to stop. They violate privacy laws and give information they have no right to share with others. They have yet to provide me with anything in writing.

Improper use of your report

I have multiple inquiry entries that I did not initiate, nor give permission to release any of my credit information within my credit profile, the entries are as follow : 1. XXXX XXXX XXXX 2. XXXX XXXX, XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX, XXXX, XXXX 5. XXXX XXXX XXXX 6. XXXX. XXXX 7. XXXX XXXX XXXX 8. XXXX. XXXX XX/XX/XXXX, XXXX 9. XXXX XXXX XXXX

Loan modification,collection,foreclosure

Private Bank of XXXX refused to share the appraisal of our home during the negotiation of the sale, resulting in the buyer 's frustration and walking away from the offer. We are now being threatened with having to pay the balance of the loan or renegotiate the terms of the loan as it will shortly become due.

Incorrect information on your report

I was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are inaccurate.

Incorrect information on your report

Equifax has added a 90 days Fraud Alert i n my credit report stating that was requested by consumer. I HAVE NOT REQUESTED A FRAUD ALERT TO BE ADDED ON MY REPORT. Please REMOVE Fraud Alert i mmediately.

Cont'd attempts collect debt not owed

On XXXX/XXXX/15 I paid a debt owed to a collection agency in full. In writing I received notice that they would not report to a credit reporting agency. However as of this date, they continue to report the account and refuse to remove it even though I have pointed out in their own writing that they agreed not report to the credit reporting agencies.

Incorrect information on your report

XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX all should n't be reported to my account I told them who I was staying with put me out and use my identity to try to obtain Credit in my name

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

I mailed an addition to credit report letter to Transunion to add my Release of Lien via Document number XXXX by the XXXX XXXX XXXX XXXX delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.

Incorrect information on your report

I did not apply for any new credit or a cell phone account and have a new HARD INQUIRY from XXXX XXXX XXXX on my Equifax report. Please investigate. Thank you SO much!

Advertising and marketing

I applied for a Chase Sapphire Reserve credit card on-line from their official web site and my credit card application was denied because of a XXXX rule ( I applied for more than XXXX credit cards in the last 24 months ), which was not clearly written in the application page.

Communication tactics

I receive on average 3 phone calls a day. I have repeatedly asked them to stop calling, and even to communicate via email. They 've insisted that they can not communicate via email and that they will continue to call. From XXXX XXXX I recieved 63 phone calls.

Credit card protection / Debt protection

One Main Financial keeps attempting illegal phone calls to me after I have requested for them to stop. I sent them a letter, here it is attached and they are flagrantly disreguarding federal laws in their attempts and they need to be fined in accordance with the do not call policy. Consumers need help against banks like this.

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

I have sent IRS Not ice of Withdrawal of Federal Tax lien to Equifax, XXXX and XXXX to delete the entry from our records, and they have not.

Incorrect information on credit report

We did a refi with XXXX on XX/XX/2015 did the closing on XX/XX/XXXX and it did not get to our old mortgage co until XX/XX/XXXX.now the old mortgage.co is reporting us 30 days late for our XX/XX/XXXX payment.I have talked to everyone and no help, everybody at the time assured us that it would be there on time.We have never been late and my husband is a XXXX on XXXX and turning XXXX this coming year .can you please help

Cont'd attempts collect debt not owed

Been getting calls from Credit Collection Services from phone no. XXXX trying to collect from unpaid bills from XXXX XXXX XXXX. I do not have subscription from XXXX XXXX XXXX and the person on the phone are demanding, interrogating, and unpolitely harrassing me. He has my phone number and name and some PII. I am a federal employee whose background check information was compromised at OPM..

Improper contact or sharing of info

World Acceptance was contacting my references and leaving them messages about how far past due I was and also asked a reference if they could make the payment or loan me the money to make the payment. They have also continued to call myself and also my work after they have taken me to court and been told to not contact me through work from me and they continuously call me everyday on both numbers.

Can't contact lender

I am receiving suspicious calls from a company saying that I owe money from a payday loan. They are constantly calling leaving threatening voicemail messages. They say that they are going to serve me papers to sue me for check fraud. I asked them to send me written verification by mail. They refused. They wo n't give me any legitimate information. No full company name, no mailing address. The phone calls coming in are from numerous numbers.

Problem with fraud alerts or security freezes

Good Morning : My credit information was included in the recently disclosed ( XX/XX/XXXX 2017 ) Equifax security breach. I would like to place a security freeze on my credit file at the 3 major credit bureaus, but each charge a fee for this action. This action is wholly required due to Equifax 's failure to secure information, Equifax should cover all expenses incurred by consumers to protect their credit information for the rest of their lives.

Incorrect information on your report

I have requested that these accounts be removed due to both fraud and failure to prove the debt as being mine. We filed and submitted documents for identity theft and submitted to them on XX/XX/XXXX The Credit Bureaus have failed to respond with the signatures as required by Federal Law and must delete the accounts on my report.

Communication tactics

Called me at XXXX. I have the record on my phone. I am taking my daughter to school at that time. You are not allowed to talk on cellphone and drive in the State of Texas.

Disclosure verification of debt

Creditor did not give me a chance to pay it prior to it being placed on my credit as a collection

Incorrect information on your report

I was told by the company in question that when i paid the account in full that they would remove the derogatory account from my credit report with the 3 credit bureaus. I paid the account but they never removed the account from the three credit bureaus.

Loan modification,collection,foreclosure

Loss job and was unable to pay mortgage.

Unable to get credit report/credit score

I went to XXXX to get my report. The Transunion questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.

Incorrect information on credit report

To whom this may concern, In follow up to my disputes concerning false information on my credit report, I have obtained my FTC Identity Theft report number which is : XXXX. The website is broken at the moment and will not generate a full PDF, however, Chex Systems , Inc. is legally required to investigate all disputes for fraud and the information within this PDF will assist in removing known to be false and previously disputed information.

Dealing with your lender or servicer

In XXXX And XXXX of 2014 i asked for a Forbrence and was told that i got it but was stilll marked for late payment. which is still on my credit. The company is Navient

Disclosure verification of debt

I do n't owe XXXX {$33.00} I do n't even have their service

Taking/threatening an illegal action

USBank and XXXX -This card was charged off back in 2001 they attempted to put a lien on my home but it fell off but since then I 've sold the house. I have not heard from these people for XXXX years and all of sudden they are trying to serve me. This company is harrassing my family members.

Improper use of your report

These inquiries were not authorized by me I contacted the credit agencies but the items were not removed. TransUnion XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

Taking/threatening an illegal action

Barclays Bank Delaware obtained a judgment against me in a county in XXXX. I live in XXXX and being unable to travel to XXXX they obtained a garnishment of my wages in XXXX without transferring the case to XXXX where I would be able to seek exemption for rent and other living expenses.

Attempts to collect debt not owed

My old boyfriend got in my bank account and took money out of XXXX XXXX when he was here. He saw my password to my bank. Did not know it at the time. He took XXXX out that I never had in there and ran with it!

Communication tactics

The collector has called another family member and constantly keeps calling my cell after I said stop.

Settlement process and costs

In regards to the CFPA complaint response to # XXXX Specialized Loan Servicing failed to have a Date for the Blank Endorsement Stamp on Equity Agreement Document and to identify the " Note Custodian '' holding original documents.

Communication tactics

repeated calls after being told that I was laid off from work. adding stress to my dilemma by questioning me about how I survive.

Taking/threatening an illegal action

The company called me threatened to have me put in jail and I would have to attend classes if I did not pay full amount. Told me I committed fraud and had to pay full amount or they will send me to my county court. Contacted friends and relatives and revealed personal information to them regarding my debt. Threatened to take my references to jail as well

Loan servicing, payments, escrow account

Citi Mortgage is not reporting payments to credit bureaus. And I have spoken with them on several occasions in an attempt to remedy this issue

Opening an account

I purchased a bank check in the amount of {$1500.00} payable to my granddaughter. My granddaughter missed placed the check and I put a stop payment on the item. I was told that the replacement of said item would take 90 days. I found this unacceptable. I tried to get them to replace it sooner and they will not.

Loan servicing, payments, escrow account

BSI Financial mailed a Escrow disbursement check naming me and my EX wife the payees. I am divorced, quit claim deed was filed. There is an order of protection on file. I do not have any contact with my ex wife. I mailed in all documentation stating such. They were unwilling to reissue a check with only my name so I could cash it. So there is money sitting not being utilized because of this inconsiderate, corrupt company.

Credit reporting company's investigation

I have asked via certified letter to validate accounts with XXXX, XXXX and XXXX to no avail. My response was " account verified ''. However, I specifically requested documents with all details pertaining to said accounts, with balances, payments, contract, etc and I received nothing other than the response from the bureau that according to the creditor, the account was verified. None of these accounts were legally validated.

Incorrect information on credit report

I been pay on time

Improper contact or sharing of info

The manager of Eagle Loan Compnay visited my home and left a postcard ( business card ) in the door about contacting his office. This upset me and my husband tremendously and was extremely embarrassing. I asked to be contacted on my cell phone only. I thought it to be completely harrassment to vist my home, all I receive are calls, they have never sent me a letter, stating the balance. But the manager made a house call to my home.

False statements or representation

I disputed this claim thru XXXX about a double posting of a collection account of {$800.00} beginning of XXXX XXXX and XXXX is not going to take the double posting off my credit report. The open date is XXXX XXXX, XXXX on the double post. I have called XXXX XXXX XXXX XXXX, NJ and they said they will not take this amount off till I pay in full which is {$800.00} not {$1600.00}

Adding money

I put money on a card and she took my money

Incorrect information on credit report

I have submitted these requests for corrections to my credit report multiple times now and have yet to see any change. I have even spoken with the creditor 's collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

Managing an account

XXXX/XXXX/17 i attempted to link this account with the stock for the business line account and got an error message. i ws promoted to file this notice

Cont'd attempts collect debt not owed

Have received XXXX to XXXX ROBO calls from Synchrony Bank daily related to Amazon credit card. I did use this card and scheduled XXXX payments XXXX, XXXX and XXXX to pay off the charges ( 6 months interest free if paid ). First payment is XXXX/XXXX/15. This was based on their payment schedule. Their system when trying to connect from the phone calls was failing to transfer to a person until tonight.

Disclosure verification of debt

The company contacted me regarding this debt and have not provided me with additional information, nor verified where I agreed to take on such a debt as this. Which obviously, I have not. A XXXX XXXX, I believe, has begun calling the workplace and started a harassment campaign.

Cont'd attempts collect debt not owed

I am receiving numerous robocalls daily asking for a person who is not known to me. I have received 31 calls in the last 20 days ranging between XXXX and XXXX. It is very annoying. The caller ID shows Navient at XXXX which I believe is a debt collector. The calls are recorded messages. I wish this to stop.

Improper use of your report

I have been contacting Capital One since XXXX 2017 about 3 hard Inquiries that are on all 3 credit bureaus XXXX XXXX & XXXX XXXX, which are damaging my credit. I do not recognize these inquiries, and have place a fraud alert on my report. I have spoken with dozen Representatives from Capital One with no resolution ... ..last 4 of my social security number

Incorrect information on credit report

Transunion refuses to help me.

Improper contact or sharing of info

I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt.

Cont'd attempts collect debt not owed

I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine.

Incorrect information on credit report

I have paid my intouch account credit card balance of XXXX {$.00} however the credit report XXXX still shows as balance XXXX {$.00} request to help me in clearing this from the reports as it impacts my credit score even though I paid my balance

Struggling to pay mortgage

We have submitted a Complete Loan Modification Packet but the lender is refusing to review because of the sale date. Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regula tion X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). QWR was sent on XXXX -2017 with no response.

Incorrect information on your report

This credit bureau has been notified that this account is not mine and may have been obtained fraudulently. The companies are XXXX XXXX and XXXX.

Improper contact or sharing of info

COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA

Improper use of your report

I have several inquiries that are appearing on my report that are not mine. Wells Fargo # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.

Improper use of my credit report

I have asked TD Bank to remove mortgage information that has been settled in short sale, but they continue to report negative information. The properties were sold in XXXX, yet the accounts remain active on my credit report.

Incorrect information on your report

A new collection was reported on my Experian account. We contacted the collection company and they do not have any knowledge of this collection and do not have any accounts in there systems. Experian keeps messing with my credit account and we do not know why this keeps happening.

Incorrect information on credit report

all XXXX burs are still reporting items over 7 yrs, XXXX reported to your agency that the item in question was remove and was reported to all XXXX burs that the item was paid XXXX which the banks used still have a item XXXX. when this was paid

Shopping for a loan or lease

I was put on an auto loan as co-borrower, the borrower and I are divorced and he has me on a loan that he has defaulted on purpose because I filed for divorce and divorced him. Im now trying to move on with my life and now this issue has come up. I would like to have myself removed from this loan that is hurting my credit. Im being held responsible for his actions and Im not driving the car that is in question.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013 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.

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

XXXX XXXX noticed there inaccuracies on credit report phone in and wrote letters to have items investigated have not received results nor has items been removed ; accounts addressed were : XXXX, XXXX XXXX, XXXX, XXXX XXXX, Bank XXXX XXXX, XXXX XXXX, Bankruptcy, The XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And XXXX has never been late

Getting a loan or lease

Capital One denied an " End of Lease Buyout '' financing loan to me due to " Previous delinquent account ''. Company never stated what the account was so I contacted them to find out. They also refused to work any type of deal regarding the supposed debt meaning to consolidate the debt into the car loan. They did mention that it was NOT denied due to credit score.

Credit reporting company's investigation

There is car reporting on my credit that was a repo in XX/XX/XXXX. I reported back then that I did not authorize the buying of the car but nothing was ever done. I waited until XX/XX/XXXX seven years after the reported repo and ask that it be taken off but they want even allow me to investigate it claiming an investigation was done already. Will not give me the option to ask for another a car has been on credit for 9 years

Was approved for a loan, but didn't receive the money

XXXX XXXX notified me that USAA is not relaying information timely so it is hindering my use of their services

Unable to get credit report/credit score

I was able to view my Experian Credit report online and investigate negative information. At this time when I try to enter in my information though experian.com the site will NOT let me view my information. And Experian will not let me investigate my negative information.

Account opening, closing, or management

Flagstar has misappropriated funds from mortgage customers through unauthorized " fax fees '' charged for payoff statements. They overreach their interpretation of permission waivers to quietly add a usurious fee for faxing payoff notices. XXXX attempts to resolve this dispute were unsuccessful. Customer 'service ' representatives were rude, condescending, and unreceptive to any sort of negotiated resolution.

Incorrect information on credit report

Under late payments I have XXXX reported by my mortgage company. I was under a grievance for XXXX payments and then Thru a modification process. I was instructed not to pay during this period. After my trial modification period the modification was finalized and the account is in good standing. I am requesting this be removed from my credit report

Trouble during payment process

I took out a loan for {$310000.00} from XXXX XXXX in XXXX . It was then sold to Green Tree with loan number : XXXX and then to XXXX with loan number : XXXX , then to XXXX with loan number : XXXX and I have still not received an updated payment history from them. It is apparently now with XXXX XXXX XXXX .

APR or interest rate

The way payments are applied by banks to different balances with different interest rates is NOT consumer friendly at all. I should be able to denote exactly where every cent of my money is going.

Credit reporting company's investigation

I sent in a dispute to TransUnion regarding a federal tax lien that was an error. I sent the documents that clearly showed an error had happened and I had to get my congressional representative to force the IRS to correct this. TransUnion did not delete this from my credit record but changed it to a paid tax lien. This is not correct and I want this record deleted from my credit records as the other credit reporting agency has done. ( XXXX ).

Unable to get credit report/credit score

I just pulled up my Free Annual Credit reports from XXXX and XXXX. No Problem accessing and receiving the reports. When I went to the Equifax site, they refused to process my report on line. They stated that I needed to send them copies of my Social Security Card, Drivers License, etc. They said it 's for my protection. What is their problem. XXXX and XXXX were quite friendly.

Closing an account

in fact, I opened an online account at the bank group : national city bank group. my account was only visible for two months then nothing. I have addressed correspondences still no solution to my problem.

Cont'd attempts collect debt not owed

I have contacted several times to advise the debt does not belong to me

Cont'd attempts collect debt not owed

check n go continues to attempt to collect a payday loan that is now discharged in a ch XXXX they have continued these collection attempts the last 4 years even when told it was filed. they continue to tell me they were not listed but I have attached the XXXX showing them listed

Fees or interest

I called XXXX XXXX store card which is a part of Citi Bank. The interest rate is rather high. I have NEVER missed a payment and asked to have the interest rate lowered they said no. I feel I am being unfairly treated and want to complain.

Unexpected or other fees

XXXX XXXX,2017 Unauthorized atm transactions were being processed on my account more than {$1400.00} was taking out my account! I have an account with rushcard I did everything possible to prove & show to them i didnt authorize these transactions Im still getting a hard time & want to get the lawn involved now

Delinquent account

I viewed my credit report and I still have a credit card from Citi Cards/Citi Bank ( that had been charged off in 2010 ). It has been over 7 years since this has been delinquent/charged off and the Fair Credit Reporting Act states that negative items must be removed from your credit report seven years from the first date of delinquency. The negative delinquency is still showing on my report and I would like to have it removed.

Incorrect information on credit report

This account is past the statute of limitations and I have an open and active account with them. Please remove this item from my credit file XXXX XXXX XXXX

Improper use of your report

Equifax security breach potentially exposed my credit information according to equifaxsecurity2017.com

Account opening, closing, or management

I signed up for a promotion for XXXX XXXX after completing specific requirements. " Within 60 days after account opening : you spent the required minimum amount ( {$1000.00} ) using the Citibank Debit Card Completed 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month " I have completed this and never got my points, I have requested twice for reviews and nothing has happened.

False statements or representation

Ic system inc is trying to collect on a debt that originally defaulted over 9 years ago. It 's now on my credit report and their attempts to collect are beyond az statute of limitations.

Cont'd attempts collect debt not owed

Company ( North Star Location services ) is contacting myself and my wife to collect a debt from / locate a family member whose debt it actually is.

Cont'd attempts collect debt not owed

Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact XXXX XXXX and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. I have attempted to contact XXXX at XXXX and tried to reach via phone.

Incorrect information on credit report

XXXX nissen altima was fininaced in XXXX with XXXX it was paid in full XXXX titles was released and sent to me traded the car in XXXX and purchased a XXXX dodge thru XXXX, the amount of {$1000.00} was put on my credit XXXX if it was not paid in full the titles would not have been released, i am deputing that {$1000.00} amount on my credit, please remove it.

Incorrect information on credit report

With this reporting agency the Tax Lien has expired according to trans union this case will not be resolved due to the fact of their policies, but why other agencies like XXXX and XXXX had removed the tax lien report from their list, all XXXX agencies operate under the same policies and compliance and also the merchants whom consult with tax lien removal will constantly send me mail which is very annoying.

Attempts to collect debt not owed

XXXX XXXX the original service provider removed once i advised that this amount was not owed and i was charged for equipment that was not contractual and XXXX acted in bad faith and did not provide the services that they alleged to be the provider of. They had removed the negative information and sold the account to a different debt collector that later transferred it to diversified.

Disclosure verification of debt

In XXXX of this year I noticed an account reporting on my credit file and by RGS Financial. I immediately mailed them a letter requesting validation and more information pertaining to this account. It 's been several months and they 've still yet to send any sort of communication pertaining to this supposed debt, however the account continues to report on my XXXX credit file.