determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Dealing with my lender or servicer	Make payments above minimum, supposed to apply to principal, as I write on the stub every time. Nelnet does not apply extra to principal and simply extends the due date.
Incorrect information on your report	I 've tried numerous of times over the coarse of 2 months to alert The Collection agency EOS CCA that ive paid the balances that i owed them with a settlement amount that closes the debt. They keep reporting to XXXX and XXXX as a open degeragorty which is extreemly hurting my score. They keep saying they are gon na fix it but they have n't fixed anything as they promised. I 've been denied credit because of this open degeragorty. They are reporting it wrong..
Improper use of your report	I went on line with XXXX because of the major each and spoke with their representative on XXXX XXXX, 2017 THEY confirmed my information was included in the widespread breach. Because of this I am filing a complaint against Equifax.
Disclosure verification of debt	THE COLLECTION AGENCY IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS CHARGED OFF BY THE ORIGINAL CREDITOR IN 2005
Incorrect information on credit report	On XXXX XXXX, 2016, I checked my credit report and all of my inquires were deleted. I looked back on my report today and they are all back on my credit report.
Communication tactics	*THIS IS A NEW CLAIM. * On XXXX XXXX, 2015, I received an automated call requesting that I return their call. When I immediately returned the call, it was National Credit Adjusters. I believe this call is in violation of the Telephone Consumer Protection Act and/or the Fair Debt Collection Practices Act. I immediately called the number given on recording. I explained that I have a complaint against the company and will not settle the debt until the matter is resolved.
Improper use of your report	I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.
Cont'd attempts collect debt not owed	There is currently an account reporting on my credit report saying that I owe them, I am having a hard time getting the specifics of this account where and when. I have no idea where this account came from.
Disclosure verification of debt	i had no knowledge of this debt until i saw it on my cerdit file. i paid it but i didnt ask or sign for any medical service.
Problems at the end of the loan or lease	I have been trying to get information from Ally Financial for months now. I requested information via mail and through the bureaus and they still do n't respond.
False statements or representation	they put in for a judgement against me I settled with a repayment plan they ended up putting more money on acvount. Spoke with them about they told me it was lower by XXXX that they added.Even received a bill with the wrong amount.
Closing/Cancelling account	Synchrony Bank CONVERTED my Banana Republic store charge card to a Visa credit card. In the process they reported to the credit agencies that this account was closed and that a new account was opened. I never authorized such a change, nor did I request it, this was a unilateral conversion on the part of Synchrony Bank and the card should be reported to the credit bureaus reflecting the ORIGINAL opening date of XXXX/XXXX/2005.
Incorrect information on your report	On my Equifax cred report, it shows a previous address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX I have never lived at this address. Can it be removed from my record?
Incorrect information on credit report	have attached a letter of deletion from XXXX XXXX XXXX which I have previously sent to Equifax and yet the collection entry still exist on my credit report with them. Please remove the collection entry
Dealing with your lender or servicer	I submitted a request for a release of my co-signer about a month ago. It was never communicated to me that this was even an option I should add. I 've never missed a payment on this loan, and I 've been paying on it since 2009. I 've heard nothing back from Navient about this status of this. I would like to know if they will be releasing my co-signer or not.
Deposits and withdrawals	XXXX XXXX Bank of America has refused to return the residual balance in a bank account of {$3.00}. After contacting the customer service organization they communicated that they would charge me {$50.00} for the return of my {$3.00}. Or they could just take my {$3.00}. Every financial company should be required to provide at least XXXX option for returning a customers own money without a fee.
Problems caused by my funds being low	I was charged {$74.00} in fees in which were not warranted. The fees state overdraft however my account was never overdrafted. My balance on XXXX was {$45.00}, on XXXX a deposit was made putting my balance at {$520.00}. Then I was charged XXXX for over drafting with a positive balance. This is n't the first time TCF Bank has tried to take money from my account for overdraft which never happened.
Improper use of your report	Capital one requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.
Credit reporting company's investigation	Hello my name is XXXX XXXX. my investigation is not yet complete, from XXXX, Equifax, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you
Loan servicing, payments, escrow account	I believe that I have been unfairly reported as having 30 days past due payment. Ditech failed to apply my payment to my account because my escrow amount was increased by {$34.00} and my payment did n't reflect the new amount. They did not make an attempt to contact me to correct the matter until the end of the month. I have never made a late payment and they would not work with me at all.
Managing an account	During XX/XX/XXXX-XX/XX/XXXX, my Chase Debit Card ( both Checking and Saving accounts ) were charged for several unauthorized transactions to various accounts and was total around {$35000.00}. After contacted the bank, the bank has closed the account and put into investigation. The amount was reversed to my card now, but I would like to further investigate what happened to my account.
Incorrect information on your report	I have had 4 accounts from Capital One secured cards trying to be opened on my account. I lost my social around 3 years and I think this might have something to do with it. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These remarks arent letting me get a credit card and Im expecting in less than 6months. Help please!!!
Written notification about debt	Company made 4 calls to my cell phone without leaving a message. When I called them back, the debt collector that answered talked over me as I told him that he now needed to send me a dunning letter as required by the FDCPA. He refused to do so claiming that he needed my personal information first.
Credit monitoring or identity protection	Equifax Credit Bureau reported XXXX hard inquires from XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Managing the loan or lease	I have mailed 2 checks to GM Financial and neither has been processed. I have tried to reach them by telephone and email but have not been successful.
Incorrect information on your report	I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my XXXX and Experian credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX/XXXX, XX/XX/2017
Incorrect information on credit report	Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Equifax shows these items as charge-offs. I have attached supporting documentation as proof of payment.
Unsolicited issuance of credit card	Kolhs Opened a credit card account with my name and using my social security and but I never requested or applied for such account. I called their customer services department and told them the situation and asked them to close the account and they refused to closed it.
Closing/Cancelling account	Since I was not using enough the credit card, they have closed the account. No notification or warning was given to me to avoid having a negative impact on my credit score and penalizing my credibility
Cont'd attempts collect debt not owed	Transworld System Inc XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX sent false debt collection letter for a {$680.00} debt to XXXX XXXX XXXX XXXX. I have never heard of, less been to XXXX XXXX XXXX XXXX. They carefully omitted the details of who it was and the details of who actually owes the debt and imply it 's mine. This is deliberate corporate malfeasance.
Incorrect information on credit report	this not my report # XXXX remove from credit report all XXXX thank you
Credit line increase/decrease	I have used the card and paid it off multiple times and the company refuses to give me a respectable increase in limit. I was told that when i opened the account i could easily double my limit within 6 months which has not happened
Communication tactics	Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.
Dealing with my lender or servicer	Navient bought a former private student loan that I had with XXXX XXXX. Navient is trying to get me to pay way more than I actually own on this debt. My XXXX balance is now XXXX. How is that possible? Navient now wants me to enter into a 16 year contract to pay off this new balance. In addition, Navient used XXXX different collection companies to harass me by calling me at my job.
Incorrect information on credit report	son has same name never lived at XXXX XXXX or worked at XXXX also have medcail coverage throuh the state of ct
Managing the loan or lease	i 've asked how many days in the billing cycle ending XXXX XXXX ( this would be XXXX ) you said they vary..i know this tell me exactly how many days in the billing cycle XXXX XXXX XXXX XXXX how much applied to interest ... how much applied to principal
Communication tactics	They leave no messages. Tried calling number back. " number disconnected '' but get call right back on number. ID says " Synchrony XXXX '' Have received over 50 calls from number for the past 30 days. Listed numberson " Donotcall.gov '' Still calls.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Disclosure verification of debt	This number XXXX has called me. Once they left a message to call them back about a debt. When you return their call you get a recording that says you call cant be completed because this mailbox you called it full. I do n't know if this a legit company or a scam. If I have a debt but unable to all you back, I better not get sued!!
Problem when making payments	XXXX XXXX has called my phone 4 times a day for 2 months stalking my residence threatened my daughter if she did n't give them XXXX they would call the cops and I 'm tired of the harassment
Communication tactics	They have called several times and will not tell me who the creditor is or what the debt is without my providing them with personal information ( my full home address, SSN ). I have not received any postal mail regarding a debt going to collection status.
Loan servicing, payments, escrow account	Our previous mortgage loan servicer, Specialized Loan Servicing LLC, has denied receiving our payments during the past ten months. This is despite our continued on time payments. ( We do have bank statements showing receipt of funds, dates and check numbers. ) The new loan servicer is XXXX XXXX XXXX SLS refuses to discuss the status of this loan with XXXX who needs to have the payment record to fund our new mortgage.
Communication tactics	I receive frequent calls, sometimes multiple times in a day, during non-business hours for the past month. I have never been in debt and owe no debt.
Incorrect information on credit report	XXXX XXXX XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.
Trouble during payment process	I was charged 1 % over the fixed rate of a conventional loan for XXXX years. The bank provided me with the apology letter but did not add the money that they drafted out of my account as a principal payment. Since this was a XXXX XXXX dollar loan the 1 % over XXXX years was damaging to my financial stability and almost lost all my investment. I have refinanced the loan with a different bank now but at closing we disagreed with payoff amount.
Incorrect information on credit report	The XXXX XXXX # XXXX has never been past due. This needs to be corrected I spoke with XXXX XXXX and I am correct correct your reporting
Problem with a credit reporting company's investigation into an existing problem	I have submitted documents on many occasions as well as submitted many disputes with supporting documents, and they will not remove the items or correct my credit report. There are duplicate entries and I will show these accounts as they are same account, as well as others they are ignoring I have submitted based on FTC affidavits.
Loan servicing, payments, escrow account	Monthly mortgage payment was increased by {$17.00} so called United Security Financial to ensure they got the difference. Representative said she could take the payment over the phone and would waive the {$9.00} fee. ( yes 9 dollars ). Contacted USF several times in the past 2 months on this issue and still not refunded.
Incorrect information on credit report	Collection account outstanding balance, creditor XXXX XXXX XXXX U-Verse for {$1100.00}. Account # XXXX for service at XXXX XXXX. Never lived there, not my account. My name is XXXX XXXX XXXX and this is effecting my credit score. Called XXXX XXXX XXXX, they said they ca n't take off credit info. Called XXXX collection, they no longer have account.
Unable to get your credit report or credit score	Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX
Cont'd attempts collect debt not owed	Identity was stolen and used to turn on electricity in my name through XXXX. I faxed necessary documents to XXXX also explained the situation. XXXX has put bill in collections and is still reporting to credit bureaus that I owe {$170.00}.
Incorrect information on credit report	My credit report shows a charged off account from XXXX. i do not have this loan. it was never mine, i tried to dispute it but got nowhere.i also show a lot of inquiries i never authorised ( like furniture credit inquiry ).
Cont'd attempts collect debt not owed	Person is Qualified XXXX Beneficiary ( XXXX ) and even though XXXX were aware of the qualifications, they still sent her bills into collections.
Unsolicited issuance of credit card	I was checking out with PayPal ( or so I thought ) and I ended up somehow signing up for their credit card! I feel as though I was tricked into signing up for a credit card I have absolutely no interest in having. I have really good credit and I 'm upset that they did a hard inquiry. At this point I do n't know if it would be better for my credit to keep it or close it. The damage has already been done with the inquiry.
Loan modification,collection,foreclosure	Nationstar Mortgage LLC illegally foreclosed on my home XXXX XXXX, 2014. I do not have a mortgage agreement with them. They are a debt collector who claimed they were my mortgage company but I never had a signed agreement with this company.
Disclosure verification of debt	Midland 's Attorney did present actual evidence from the original creditor. And Midland is relying on their own custodian of records. I am a XXXX XXXX on Social Security and Midland is threatened to take my money. I am destitute with no assets, and not even sure of the debt.
Incorrect information on credit report	Equifax made mistake of my social security number but they do not want to take the responsibility. I ask them twice, first time they said they put my wife 's name under my social security number, second time they said the security number is wrong, I do n't know which one is right and who I need to believe.
Can't repay my loan	My loan is currently handled by American Education Services ( AES ). Dealing with them has been pretty hard and cumbersome to experience. They are lax in their workability and are reporting student loans as being in default rather than remaining in contact with its customers ( myself ). I have experienced loss of credit rating and now they wo n't return calls or emails.
False statements or representation	This Collection Agency named OMEGA RMS whom brought this account from Stores Onlines at the time I owed roughly {$1700.00} in the year XX/XX/XXXX have double the balance to {$3500.00} and continues to report it on my XXXX Credit Report also twice within 30 days of the pass months. ( XX/XX/XXXX & XX/XX/XXXX ), the Statue Limitation on this Account expired in XX/XX/XXXX.
Problem with a purchase shown on your statement	On XX/XX/XXXX - American Express charged me {$190.00} for an annual fee after specifically stating there is no fee via the webpage " ANNUAL FEE The annual fee for The Premier Rewards Gold Card is {$0.00} for the Basic Card and {$0.00} for up to 5 Additional Cards. The annual fee for the sixth or more Additional Card is {$35.00} for each Card. '' is listed for Rates & Fees but the link is broken.
Incorrect information on credit report	A public collection from Midland Funding has been entered on my report, the account was never validated to be mine, however, a judgment was granted due to me not receiving notification. My pay checks were garnished for a debt that was stated to be from 2005. It had not been on my credit report prior to the garnishment.
Can't repay my loan	I can not afford the monthly payments as a XXXX mother of XXXX so I keep deferring these loans.They have more than doubled with the interest.I now owe almost XXXX instead of the XXXX originally borrowed
Problems caused by my funds being low	1. Excessive fees from checking acct. 2. Denied access to My mothers acct while attempting to withdraw money to evacuate My XXXX y.o.Mother and pets prior to hurricane XXXX..I am Her XXXX and We had almost no money between Us. 3. Reposesed My car the day before what We agreed on and I had the money from cashing My Social Security check. They took the car that night rather than the following day as agreed.
Incorrect information on credit report	I believe my credit report created and maintained by Equifax Information Services LLC and/or its affiliates continue to cite errors with respect to my personal information ; to wit : incorrect and invalid property ( situs ) address. XXXX are CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.
Cont'd attempts collect debt not owed	PROFESSIONAL MED ADJ BUR is trying to collect {$430.00} & {$260.00} from when I was pregnant and had XXXX. I have given them my XXXX card # and told them that I have medical assistance then.
Disclosure verification of debt	Got notice that there was new claims on my credit report so I looked and there 's one from Midwest recovery and they reported it twice and it on there twice so it shows I owe {$880.00} dollars twice for the same dept and my credit score took a huge hit from XXXX to XXXX and no information on dept or any notice at all and another from XXXX for XXXX and that 's paid as of 9 months ago and still remains in my credit
Credit line increase/decrease	I really need CITI to lower my interest rate for a short period of time. Because of lowering my original credit limits my credit score has dropped drastically. Therefore my ability to receive more work has been limited to the point where I need to make this request.
Problem with a credit reporting company's investigation into an existing problem	I have never been in a guitar store. On XXXX XXXX the account was closed. I no not know where they got my name. It is a collection for {$3700.00}. Thank you, XXXX XXXX
False statements or representation	took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call XXXX XXXX collections
Cont'd attempts collect debt not owed	Halstead Financial Services has been calling me on and off for 2 years trying to collect a medical debt from a hospital i have never been to. When I request a bill they say they have sent bills and I have not responded. They state they will list me as a refusal and hang up on me.
Incorrect information on credit report	Debt older than XXXX years Proof of original collection data Please remove collection from all credit reporting agencies
Fees or interest	Chase is Charging me interest of {$25.00} AFTER card was paid in full prior to the due date. This is a total scam and it needs to be credited!
Loan modification,collection,foreclosure	I HAVE CONFIRMATION FROM XXXX XXXX FROM NATION STAR MORTGAGE THAT MY CASE NEVER MADE IT TO REVIEW. HE MADE THIS DECISION AFTER COMPLETING A INVESTIGATION. PLEASE REVIEW AND EXPLAIN.
Trouble during payment process	I was notified that my current automatic payment ( matching the amount on my current statement ) has been suspended. The amount due has gone from {$1500.00} to {$12000.00}. They told me that my interest rate was supposed to have adjusted over 2 years ago according to my 2009 modification agreement. I was never notified of any changes. My loan is serviced by Ocwen Loan Servicing LLC.
Incorrect information on your report	Reinserted previously deleted information. This information has been previously deleted from my credit reports. It is very old inaccurate information from 2011. I have numerous loans with XXXX XXXX ( and currently 2 loans with XXXX XXXX XXXX since this time and they agreed previously to remove it from my credit report. XXXX XXXX Other Loan Late 30 Days {$0.00} XXXX XXXX 2011
Charged fees or interest I didn't expect	I did not see the terms of the loan until I had completed the process and was in the process of signing. I will be charged 900 % in interest for an {$800.00} loan. If I make all of the payments, I will end up paying over {$6000.00}.
Incorrect information on credit report	I originally disputed XXXX old debts by XXXX XXXX XXXX. They originally closed and took them off of my credit report ( After an investigation and XXXX subsequent days ) ..However, I went back and checked my credit and they had reinserted XXXX of the XXXX debts. I was told over the phone that they " purged '' XXXX of the old debts. These debts are over the statue of limitations and will overall expire in about a year.
Communication tactics	They have sent one of their " representatives '' to my place of employment. They are also coming to my home in person.
Credit reporting company's investigation	I ASKED THEM TO PROVIDE ME COPIES OF DETAIL LETTER FROM THE CREDITORS FOR ALL THE INQUIRY IN MY ACCOUNT. BUT THEY ARE SAYING ITS VERIFIED.
Attempts to collect debt not owed	Collection company for XXXX XXXX project is collecting on a fraudulent account. I received no notification of debt or the ability to dispute the debt as invalid. I have filed a Identity theft report with the FTC as well as a complaint with CFPB and the AG of AZ. Direct contact with the CRA and OC as well as the debt buyer Penn Credit Corporation has yield zero results.
Managing the loan or lease	My monthly statement does not include my payment amount from the previous month. There is no easy way to track the amount paid to principal and to interest. Therefore, I do not know if my payment is being properly applied each month.
Shopping for a loan or lease	According to XXXX XXXX and LendUp.com, I am eligible for a personal loan that would be able to help me squash some debt. After showing me that my score falls into a " approval zone '', I get denied because of lack of credit.
Credit reporting company's investigation	I disputed some inaccurate items that are on my credit with Equifax. It has been 60 days and I still have not heard anything from them, yet the items are still reporting on my credit
Communication tactics	Portfolios recovery keeps calling after I told them repeatedly I have no money at this time and I am XXXX and can not work at this time. I realize I owe money but calling me and harass me is not putting money in my pocket
Unable to get your credit report or credit score	Th e " annualcreditreport.com '' website is a piece of junk. The CAPTCHA form is c lose to illegible, requiring multiple attempts that often abort the process. The use of popups also causes the process to abort. I was able to obtain only XXXX of XXXX reports. The other XXXX apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.
Advertising and marketing, including promotional offers	Bank of America closed my Visa credit card account and kept my rewards, which amount to {$64.00}. The Bank assured I can not log into my account to further defraud me. Bank of America should return the {$64.00} reward I accumulated, just prior to Bank of America choosing to close the account. If this can not be resolved via CFPB, it will be resolved in the Court of Public Opinion and the Local Court.
Cont'd attempts collect debt not owed	This auto issue to collect from me is made by my ex wife not me ... ..she is legally responsible for this auto loan thats in collection ... ..it shouldnt be on my record.
Incorrect information on credit report	After the dispute the creditor has instructed the major credit reporting agencies to delete this account from my credit files and I request assistance from the CFPB to ensure that this is completed.
False statements or representation	Equifax Account type- Collection Account Status- Closed Date Opened- XXXX/2014 Payment Status- Unpaid Amount- {$290.00} This is an OLD account that should have fallen off my credit report and it was handled years ago in a dispute. The case was paid by my insurance and verified YEARS AGO. Both XXXX and XXXX are no longer show this on my credit report.
Settlement process and costs	This is my XXXX complaint on Chse Bank due to a home I have been trying to sell and now short sell for three years. We just recently got an offer within the limits and requiements of the short sell but Chase Bank is not using the recent appraisal of XXXX to make their decision and are denying the offer. Chase is still using an outdated appraisal of XXXX to make their decision. This is really hurting our chances of keeping these buyers and getting this property sold.
Incorrect information on credit report	Incorrect reporting of my status by Equifax.. The status under federal law needs to be reported as Mortgage included in Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # *********** Equifax needs to correct my account status as Mortgage included in Bankruptcy.
Incorrect information on your report	There is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck
Incorrect information on credit report	Equivalent is displaying information previously deleted and known to be fraud by the XXXX ca I have argued and XXXX said they would remove it. This is Harasment and due to id fraud and welfare fraud. They have also reinserted negative collection accounts eliminated by creditors due to id theft some of these creditors have written themselves on your site the release.
Problem with a credit reporting company's investigation into an existing problem	I specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ 4,000+ balance for an account that is n't mine. Initially XXXX removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me XXXX looked into this and confirmed. They need to remove this fraudulent account.
Dealing with my lender or servicer	I have a student loan thru Navient I have been paying on the loans but over the years instead of the loan amount decreasing they have been increasing.
Opening an account	I WAS TOLD THAT BECAUSE I AM A XXXX / XXXX PERSON, HSBC WOULD NOT ACCEPT MY APPLICATION FOR A SIMPLE CHECKING ACCT, STATING THAT I LIKELY HAD NO VIABLE SOURCE OF INCOME ... .EVEN THOUGH I HAVE SS. THIS IS A CLEAR VIOLATION & OF DISCRIMINATION LAWS
Improper contact or sharing of info	Pulled my credit 17 times beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I have today requested that they cease and desist. I have no accounts with them.
Improper use of your report	Sent Equifax a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Equifax has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Cont'd attempts collect debt not owed	I do not owe this debt. This debt belongs to my father. He was born in XXXX. I was born in XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt
Disclosure verification of debt	IC Systems failed to mail me a Dummy letter. Under FDCPA that is a violation and they can no longer collect on the debt. I want the debt gone and off my credit report. They ca n't report a Debt on a credit report if I did not recieve a dummy letter.

Dealing with my lender or servicer

Make payments above minimum, supposed to apply to principal, as I write on the stub every time. Nelnet does not apply extra to principal and simply extends the due date.

Incorrect information on your report

I 've tried numerous of times over the coarse of 2 months to alert The Collection agency EOS CCA that ive paid the balances that i owed them with a settlement amount that closes the debt. They keep reporting to XXXX and XXXX as a open degeragorty which is extreemly hurting my score. They keep saying they are gon na fix it but they have n't fixed anything as they promised. I 've been denied credit because of this open degeragorty. They are reporting it wrong..

Improper use of your report

I went on line with XXXX because of the major each and spoke with their representative on XXXX XXXX, 2017 THEY confirmed my information was included in the widespread breach. Because of this I am filing a complaint against Equifax.

Disclosure verification of debt

THE COLLECTION AGENCY IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS CHARGED OFF BY THE ORIGINAL CREDITOR IN 2005

Incorrect information on credit report

On XXXX XXXX, 2016, I checked my credit report and all of my inquires were deleted. I looked back on my report today and they are all back on my credit report.

Communication tactics

***THIS IS A NEW CLAIM. *** On XXXX XXXX, 2015, I received an automated call requesting that I return their call. When I immediately returned the call, it was National Credit Adjusters. I believe this call is in violation of the Telephone Consumer Protection Act and/or the Fair Debt Collection Practices Act. I immediately called the number given on recording. I explained that I have a complaint against the company and will not settle the debt until the matter is resolved.

Improper use of your report

I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.

Cont'd attempts collect debt not owed

There is currently an account reporting on my credit report saying that I owe them, I am having a hard time getting the specifics of this account where and when. I have no idea where this account came from.

Disclosure verification of debt

i had no knowledge of this debt until i saw it on my cerdit file. i paid it but i didnt ask or sign for any medical service.

Problems at the end of the loan or lease

I have been trying to get information from Ally Financial for months now. I requested information via mail and through the bureaus and they still do n't respond.

False statements or representation

they put in for a judgement against me I settled with a repayment plan they ended up putting more money on acvount. Spoke with them about they told me it was lower by XXXX that they added.Even received a bill with the wrong amount.

Closing/Cancelling account

Synchrony Bank CONVERTED my Banana Republic store charge card to a Visa credit card. In the process they reported to the credit agencies that this account was closed and that a new account was opened. I never authorized such a change, nor did I request it, this was a unilateral conversion on the part of Synchrony Bank and the card should be reported to the credit bureaus reflecting the ORIGINAL opening date of XXXX/XXXX/2005.

Incorrect information on your report

On my Equifax cred report, it shows a previous address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX I have never lived at this address. Can it be removed from my record?

Incorrect information on credit report

have attached a letter of deletion from XXXX XXXX XXXX which I have previously sent to Equifax and yet the collection entry still exist on my credit report with them. Please remove the collection entry

Dealing with your lender or servicer

I submitted a request for a release of my co-signer about a month ago. It was never communicated to me that this was even an option I should add. I 've never missed a payment on this loan, and I 've been paying on it since 2009. I 've heard nothing back from Navient about this status of this. I would like to know if they will be releasing my co-signer or not.

Deposits and withdrawals

XXXX XXXX Bank of America has refused to return the residual balance in a bank account of {$3.00}. After contacting the customer service organization they communicated that they would charge me {$50.00} for the return of my {$3.00}. Or they could just take my {$3.00}. Every financial company should be required to provide at least XXXX option for returning a customers own money without a fee.

Problems caused by my funds being low

I was charged {$74.00} in fees in which were not warranted. The fees state overdraft however my account was never overdrafted. My balance on XXXX was {$45.00}, on XXXX a deposit was made putting my balance at {$520.00}. Then I was charged XXXX for over drafting with a positive balance. This is n't the first time TCF Bank has tried to take money from my account for overdraft which never happened.

Improper use of your report

Capital one requested a hard inquiry of my credit report on XXXX XXXX that was not authorized or request by me. I tried to contact that company, and they didnt resolved the issue. I lost about 10 points in my credit score.

Credit reporting company's investigation

Hello my name is XXXX XXXX. my investigation is not yet complete, from XXXX, Equifax, and XXXX. they must provide to me the case # with the company who report my name, and also tell them they must give me access to dispute it online at the same time. thank you

Loan servicing, payments, escrow account

I believe that I have been unfairly reported as having 30 days past due payment. Ditech failed to apply my payment to my account because my escrow amount was increased by {$34.00} and my payment did n't reflect the new amount. They did not make an attempt to contact me to correct the matter until the end of the month. I have never made a late payment and they would not work with me at all.

Managing an account

During XX/XX/XXXX-XX/XX/XXXX, my Chase Debit Card ( both Checking and Saving accounts ) were charged for several unauthorized transactions to various accounts and was total around {$35000.00}. After contacted the bank, the bank has closed the account and put into investigation. The amount was reversed to my card now, but I would like to further investigate what happened to my account.

Incorrect information on your report

I have had 4 accounts from Capital One secured cards trying to be opened on my account. I lost my social around 3 years and I think this might have something to do with it. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These remarks arent letting me get a credit card and Im expecting in less than 6months. Help please!!!

Written notification about debt

Company made 4 calls to my cell phone without leaving a message. When I called them back, the debt collector that answered talked over me as I told him that he now needed to send me a dunning letter as required by the FDCPA. He refused to do so claiming that he needed my personal information first.

Credit monitoring or identity protection

Equifax Credit Bureau reported XXXX hard inquires from XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Managing the loan or lease

I have mailed 2 checks to GM Financial and neither has been processed. I have tried to reach them by telephone and email but have not been successful.

Incorrect information on your report

I 'm a victim of identity theft. There 's a fraudulent and unauthorized hard inquiry listed on my XXXX and Experian credit report. The following hard inquiry is fraudulent, unauthorized and do n't belong to me : XXXX/XXXX, XX/XX/2017

Incorrect information on credit report

Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Equifax shows these items as charge-offs. I have attached supporting documentation as proof of payment.

Unsolicited issuance of credit card

Kolhs Opened a credit card account with my name and using my social security and but I never requested or applied for such account. I called their customer services department and told them the situation and asked them to close the account and they refused to closed it.

Closing/Cancelling account

Since I was not using enough the credit card, they have closed the account. No notification or warning was given to me to avoid having a negative impact on my credit score and penalizing my credibility

Cont'd attempts collect debt not owed

Transworld System Inc XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX sent false debt collection letter for a {$680.00} debt to XXXX XXXX XXXX XXXX. I have never heard of, less been to XXXX XXXX XXXX XXXX. They carefully omitted the details of who it was and the details of who actually owes the debt and imply it 's mine. This is deliberate corporate malfeasance.

Incorrect information on credit report

this not my report # XXXX remove from credit report all XXXX thank you

Credit line increase/decrease

I have used the card and paid it off multiple times and the company refuses to give me a respectable increase in limit. I was told that when i opened the account i could easily double my limit within 6 months which has not happened

Communication tactics

Repeated abusive harassing phone calls. I called to settle a debt and was to pay, they changed the amount to a higher amount when I went to pay the next day as scheduled. I called back again and they harassed me. I asked to settle again. I had a XXXX the next day and have been in and out of the hospital, and they will not stop calling and harassing me.

Dealing with my lender or servicer

Navient bought a former private student loan that I had with XXXX XXXX. Navient is trying to get me to pay way more than I actually own on this debt. My XXXX balance is now XXXX. How is that possible? Navient now wants me to enter into a 16 year contract to pay off this new balance. In addition, Navient used XXXX different collection companies to harass me by calling me at my job.

Incorrect information on credit report

son has same name never lived at XXXX XXXX or worked at XXXX also have medcail coverage throuh the state of ct

Managing the loan or lease

i 've asked how many days in the billing cycle ending XXXX XXXX ( this would be XXXX ) you said they vary..i know this tell me exactly how many days in the billing cycle XXXX XXXX XXXX XXXX how much applied to interest ... how much applied to principal

Communication tactics

They leave no messages. Tried calling number back. " number disconnected '' but get call right back on number. ID says " Synchrony XXXX '' Have received over 50 calls from number for the past 30 days. Listed numberson " Donotcall.gov '' Still calls.

Incorrect information on your report

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

Disclosure verification of debt

This number XXXX has called me. Once they left a message to call them back about a debt. When you return their call you get a recording that says you call cant be completed because this mailbox you called it full. I do n't know if this a legit company or a scam. If I have a debt but unable to all you back, I better not get sued!!

Problem when making payments

XXXX XXXX has called my phone 4 times a day for 2 months stalking my residence threatened my daughter if she did n't give them XXXX they would call the cops and I 'm tired of the harassment

Communication tactics

They have called several times and will not tell me who the creditor is or what the debt is without my providing them with personal information ( my full home address, SSN ). I have not received any postal mail regarding a debt going to collection status.

Loan servicing, payments, escrow account

Our previous mortgage loan servicer, Specialized Loan Servicing LLC, has denied receiving our payments during the past ten months. This is despite our continued on time payments. ( We do have bank statements showing receipt of funds, dates and check numbers. ) The new loan servicer is XXXX XXXX XXXX SLS refuses to discuss the status of this loan with XXXX who needs to have the payment record to fund our new mortgage.

Communication tactics

I receive frequent calls, sometimes multiple times in a day, during non-business hours for the past month. I have never been in debt and owe no debt.

Incorrect information on credit report

XXXX XXXX XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

Trouble during payment process

I was charged 1 % over the fixed rate of a conventional loan for XXXX years. The bank provided me with the apology letter but did not add the money that they drafted out of my account as a principal payment. Since this was a XXXX XXXX dollar loan the 1 % over XXXX years was damaging to my financial stability and almost lost all my investment. I have refinanced the loan with a different bank now but at closing we disagreed with payoff amount.

Incorrect information on credit report

The XXXX XXXX # XXXX has never been past due. This needs to be corrected I spoke with XXXX XXXX and I am correct correct your reporting

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

I have submitted documents on many occasions as well as submitted many disputes with supporting documents, and they will not remove the items or correct my credit report. There are duplicate entries and I will show these accounts as they are same account, as well as others they are ignoring I have submitted based on FTC affidavits.

Loan servicing, payments, escrow account

Monthly mortgage payment was increased by {$17.00} so called United Security Financial to ensure they got the difference. Representative said she could take the payment over the phone and would waive the {$9.00} fee. ( yes 9 dollars ). Contacted USF several times in the past 2 months on this issue and still not refunded.

Incorrect information on credit report

Collection account outstanding balance, creditor XXXX XXXX XXXX U-Verse for {$1100.00}. Account # XXXX for service at XXXX XXXX. Never lived there, not my account. My name is XXXX XXXX XXXX and this is effecting my credit score. Called XXXX XXXX XXXX, they said they ca n't take off credit info. Called XXXX collection, they no longer have account.

Unable to get your credit report or credit score

Last month i went checking my credit score and it used to be XXXX and now it 's XXXX. I have not opened up any new accounts whatsoever, in fact i made all my payments on time. my name is XXXX XXXX XXXX

Cont'd attempts collect debt not owed

Identity was stolen and used to turn on electricity in my name through XXXX. I faxed necessary documents to XXXX also explained the situation. XXXX has put bill in collections and is still reporting to credit bureaus that I owe {$170.00}.

Incorrect information on credit report

My credit report shows a charged off account from XXXX. i do not have this loan. it was never mine, i tried to dispute it but got nowhere.i also show a lot of inquiries i never authorised ( like furniture credit inquiry ).

Cont'd attempts collect debt not owed

Person is Qualified XXXX Beneficiary ( XXXX ) and even though XXXX were aware of the qualifications, they still sent her bills into collections.

Unsolicited issuance of credit card

I was checking out with PayPal ( or so I thought ) and I ended up somehow signing up for their credit card! I feel as though I was tricked into signing up for a credit card I have absolutely no interest in having. I have really good credit and I 'm upset that they did a hard inquiry. At this point I do n't know if it would be better for my credit to keep it or close it. The damage has already been done with the inquiry.

Loan modification,collection,foreclosure

Nationstar Mortgage LLC illegally foreclosed on my home XXXX XXXX, 2014. I do not have a mortgage agreement with them. They are a debt collector who claimed they were my mortgage company but I never had a signed agreement with this company.

Disclosure verification of debt

Midland 's Attorney did present actual evidence from the original creditor. And Midland is relying on their own custodian of records. I am a XXXX XXXX on Social Security and Midland is threatened to take my money. I am destitute with no assets, and not even sure of the debt.

Incorrect information on credit report

Equifax made mistake of my social security number but they do not want to take the responsibility. I ask them twice, first time they said they put my wife 's name under my social security number, second time they said the security number is wrong, I do n't know which one is right and who I need to believe.

Can't repay my loan

My loan is currently handled by American Education Services ( AES ). Dealing with them has been pretty hard and cumbersome to experience. They are lax in their workability and are reporting student loans as being in default rather than remaining in contact with its customers ( myself ). I have experienced loss of credit rating and now they wo n't return calls or emails.

False statements or representation

This Collection Agency named OMEGA RMS whom brought this account from Stores Onlines at the time I owed roughly {$1700.00} in the year XX/XX/XXXX have double the balance to {$3500.00} and continues to report it on my XXXX Credit Report also twice within 30 days of the pass months. ( XX/XX/XXXX & XX/XX/XXXX ), the Statue Limitation on this Account expired in XX/XX/XXXX.

Problem with a purchase shown on your statement

On XX/XX/XXXX - American Express charged me {$190.00} for an annual fee after specifically stating there is no fee via the webpage " ANNUAL FEE The annual fee for The Premier Rewards Gold Card is {$0.00} for the Basic Card and {$0.00} for up to 5 Additional Cards. The annual fee for the sixth or more Additional Card is {$35.00} for each Card. '' is listed for Rates & Fees but the link is broken.

Incorrect information on credit report

A public collection from Midland Funding has been entered on my report, the account was never validated to be mine, however, a judgment was granted due to me not receiving notification. My pay checks were garnished for a debt that was stated to be from 2005. It had not been on my credit report prior to the garnishment.

Can't repay my loan

I can not afford the monthly payments as a XXXX mother of XXXX so I keep deferring these loans.They have more than doubled with the interest.I now owe almost XXXX instead of the XXXX originally borrowed

Problems caused by my funds being low

1. Excessive fees from checking acct. 2. Denied access to My mothers acct while attempting to withdraw money to evacuate My XXXX y.o.Mother and pets prior to hurricane XXXX..I am Her XXXX and We had almost no money between Us. 3. Reposesed My car the day before what We agreed on and I had the money from cashing My Social Security check. They took the car that night rather than the following day as agreed.

Incorrect information on credit report

I believe my credit report created and maintained by Equifax Information Services LLC and/or its affiliates continue to cite errors with respect to my personal information ; to wit : incorrect and invalid property ( situs ) address. XXXX are CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.

Cont'd attempts collect debt not owed

PROFESSIONAL MED ADJ BUR is trying to collect {$430.00} & {$260.00} from when I was pregnant and had XXXX. I have given them my XXXX card # and told them that I have medical assistance then.

Disclosure verification of debt

Got notice that there was new claims on my credit report so I looked and there 's one from Midwest recovery and they reported it twice and it on there twice so it shows I owe {$880.00} dollars twice for the same dept and my credit score took a huge hit from XXXX to XXXX and no information on dept or any notice at all and another from XXXX for XXXX and that 's paid as of 9 months ago and still remains in my credit

Credit line increase/decrease

I really need CITI to lower my interest rate for a short period of time. Because of lowering my original credit limits my credit score has dropped drastically. Therefore my ability to receive more work has been limited to the point where I need to make this request.

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

I have never been in a guitar store. On XXXX XXXX the account was closed. I no not know where they got my name. It is a collection for {$3700.00}. Thank you, XXXX XXXX

False statements or representation

took out a {$5000.00} cash advance on my bank account 115.00 % rate could not pay the high cost cash advances is not legal in the state of Arkansas XXXX is reporting these accounts for cash call XXXX XXXX collections

Cont'd attempts collect debt not owed

Halstead Financial Services has been calling me on and off for 2 years trying to collect a medical debt from a hospital i have never been to. When I request a bill they say they have sent bills and I have not responded. They state they will list me as a refusal and hang up on me.

Incorrect information on credit report

Debt older than XXXX years Proof of original collection data Please remove collection from all credit reporting agencies

Fees or interest

Chase is Charging me interest of {$25.00} AFTER card was paid in full prior to the due date. This is a total scam and it needs to be credited!

Loan modification,collection,foreclosure

I HAVE CONFIRMATION FROM XXXX XXXX FROM NATION STAR MORTGAGE THAT MY CASE NEVER MADE IT TO REVIEW. HE MADE THIS DECISION AFTER COMPLETING A INVESTIGATION. PLEASE REVIEW AND EXPLAIN.

Trouble during payment process

I was notified that my current automatic payment ( matching the amount on my current statement ) has been suspended. The amount due has gone from {$1500.00} to {$12000.00}. They told me that my interest rate was supposed to have adjusted over 2 years ago according to my 2009 modification agreement. I was never notified of any changes. My loan is serviced by Ocwen Loan Servicing LLC.

Incorrect information on your report

Reinserted previously deleted information. This information has been previously deleted from my credit reports. It is very old inaccurate information from 2011. I have numerous loans with XXXX XXXX ( and currently 2 loans with XXXX XXXX XXXX since this time and they agreed previously to remove it from my credit report. XXXX XXXX Other Loan Late 30 Days {$0.00} XXXX XXXX 2011

Charged fees or interest I didn't expect

I did not see the terms of the loan until I had completed the process and was in the process of signing. I will be charged 900 % in interest for an {$800.00} loan. If I make all of the payments, I will end up paying over {$6000.00}.

Incorrect information on credit report

I originally disputed XXXX old debts by XXXX XXXX XXXX. They originally closed and took them off of my credit report ( After an investigation and XXXX subsequent days ) ..However, I went back and checked my credit and they had reinserted XXXX of the XXXX debts. I was told over the phone that they " purged '' XXXX of the old debts. These debts are over the statue of limitations and will overall expire in about a year.

Communication tactics

They have sent one of their " representatives '' to my place of employment. They are also coming to my home in person.

Credit reporting company's investigation

I ASKED THEM TO PROVIDE ME COPIES OF DETAIL LETTER FROM THE CREDITORS FOR ALL THE INQUIRY IN MY ACCOUNT. BUT THEY ARE SAYING ITS VERIFIED.

Attempts to collect debt not owed

Collection company for XXXX XXXX project is collecting on a fraudulent account. I received no notification of debt or the ability to dispute the debt as invalid. I have filed a Identity theft report with the FTC as well as a complaint with CFPB and the AG of AZ. Direct contact with the CRA and OC as well as the debt buyer Penn Credit Corporation has yield zero results.

Managing the loan or lease

My monthly statement does not include my payment amount from the previous month. There is no easy way to track the amount paid to principal and to interest. Therefore, I do not know if my payment is being properly applied each month.

Shopping for a loan or lease

According to XXXX XXXX and LendUp.com, I am eligible for a personal loan that would be able to help me squash some debt. After showing me that my score falls into a " approval zone '', I get denied because of lack of credit.

Credit reporting company's investigation

I disputed some inaccurate items that are on my credit with Equifax. It has been 60 days and I still have not heard anything from them, yet the items are still reporting on my credit

Communication tactics

Portfolios recovery keeps calling after I told them repeatedly I have no money at this time and I am XXXX and can not work at this time. I realize I owe money but calling me and harass me is not putting money in my pocket

Unable to get your credit report or credit score

Th e " annualcreditreport.com '' website is a piece of junk. The CAPTCHA form is c lose to illegible, requiring multiple attempts that often abort the process. The use of popups also causes the process to abort. I was able to obtain only XXXX of XXXX reports. The other XXXX apparently thought the report had already been provided, when it had n't, probably due to popups aborting the process.

Advertising and marketing, including promotional offers

Bank of America closed my Visa credit card account and kept my rewards, which amount to {$64.00}. The Bank assured I can not log into my account to further defraud me. Bank of America should return the {$64.00} reward I accumulated, just prior to Bank of America choosing to close the account. If this can not be resolved via CFPB, it will be resolved in the Court of Public Opinion and the Local Court.

Cont'd attempts collect debt not owed

This auto issue to collect from me is made by my ex wife not me ... ..she is legally responsible for this auto loan thats in collection ... ..it shouldnt be on my record.

Incorrect information on credit report

After the dispute the creditor has instructed the major credit reporting agencies to delete this account from my credit files and I request assistance from the CFPB to ensure that this is completed.

False statements or representation

Equifax Account type- Collection Account Status- Closed Date Opened- XXXX/2014 Payment Status- Unpaid Amount- {$290.00} This is an OLD account that should have fallen off my credit report and it was handled years ago in a dispute. The case was paid by my insurance and verified YEARS AGO. Both XXXX and XXXX are no longer show this on my credit report.

Settlement process and costs

This is my XXXX complaint on Chse Bank due to a home I have been trying to sell and now short sell for three years. We just recently got an offer within the limits and requiements of the short sell but Chase Bank is not using the recent appraisal of XXXX to make their decision and are denying the offer. Chase is still using an outdated appraisal of XXXX to make their decision. This is really hurting our chances of keeping these buyers and getting this property sold.

Incorrect information on credit report

Incorrect reporting of my status by Equifax.. The status under federal law needs to be reported as Mortgage included in Bankruptcy. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Mortgage Loan # XXXX United States Bankruptcy Court for XXXX XXXX XXXX XXXX Florida Bankruptcy Chapter XXXX Case Number XXXX Filed XXXX Debtor : XXXX XXXX XXXX SS # *********** Equifax needs to correct my account status as Mortgage included in Bankruptcy.

Incorrect information on your report

There is a XXXX account on my credit report that should not be there. I talked with XXXX and they said they dont report to the credit bureau and not sure why it is on there. I have tried for years to get this negative item off my report but no luck

Incorrect information on credit report

Equivalent is displaying information previously deleted and known to be fraud by the XXXX ca I have argued and XXXX said they would remove it. This is Harasment and due to id fraud and welfare fraud. They have also reinserted negative collection accounts eliminated by creditors due to id theft some of these creditors have written themselves on your site the release.

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

I specifically reported XXXX XXXX XXXX ( Not XXXX XXXX ) about a $ 4,000+ balance for an account that is n't mine. Initially XXXX removed it, then they put it back on there. XXXX XXXX themselves even verified this account was fraudulent. They even told me XXXX looked into this and confirmed. They need to remove this fraudulent account.

Dealing with my lender or servicer

I have a student loan thru Navient I have been paying on the loans but over the years instead of the loan amount decreasing they have been increasing.

Opening an account

I WAS TOLD THAT BECAUSE I AM A XXXX / XXXX PERSON, HSBC WOULD NOT ACCEPT MY APPLICATION FOR A SIMPLE CHECKING ACCT, STATING THAT I LIKELY HAD NO VIABLE SOURCE OF INCOME ... .EVEN THOUGH I HAVE SS. THIS IS A CLEAR VIOLATION & OF DISCRIMINATION LAWS

Improper contact or sharing of info

Pulled my credit 17 times beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. I have today requested that they cease and desist. I have no accounts with them.

Improper use of your report

Sent Equifax a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Equifax has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.

Cont'd attempts collect debt not owed

I do not owe this debt. This debt belongs to my father. He was born in XXXX. I was born in XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt

Disclosure verification of debt

IC Systems failed to mail me a Dummy letter. Under FDCPA that is a violation and they can no longer collect on the debt. I want the debt gone and off my credit report. They ca n't report a Debt on a credit report if I did not recieve a dummy letter.