determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Attempts to collect debt not owed	I sent a letter to Diversified Consultants Inc on X/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$340.00}. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement which does not prove that I am obligated to pay them anything.They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Incorrect information on your report	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Mo XXXX no signature and no contract
Disclosure verification of debt	First started receiving fake medical bills, and now threats of reporting to credit bureaus
Incorrect information on credit report	I have a dispute with chef systems for an nsf check dated XXXX XXXX XXXX. My ssn is XXXX do XXXX XXXX XXXX. It 's in the amount of XXXX from alliance bank. I have never had an account through then and I want proof of this check and who it was made out too. That 's part of the verification of debt. I want a copy of this check and something with my signature agreeing to pay any fees associated with this company
Taking/threatening an illegal action	Check into Cash states that I owe them {$1100.00}. At the time the dates are listed, my bank account information was stolen. I honestly do not remember this transaction.
Cont'd attempts collect debt not owed	I received the first call on XXXX XXXX and the second call on XXXX XXXX. The phone number was XXXX. I have absolutely perfect credit and have never had uncollected debt. I did not talk to anyone. I listened to the message stating that the organization is called Capital Management Services and that they are a collection agency and have a debt that I need to take care of. I have no intention of calling them back.
Disclosure verification of debt	Commonwealth Finance System, XXXX XXXX, XXXX is trying to collect a Medical debt of {$440.00} from XX/XX/2010 submitted by Virginia XXXX XXXX XXXX. I have n't lived in XXXX for 6 years and never received a bill from anyone and nothing was forwarded to me.
Opening an account	I 'm unable to open either a business and or personal account with XXXX XXXX XXXX and I 'm completely confused as to why. I 've had no record of abuse with XXXX XXXX XXXX and I 'm being treated unfairly and would love to be a XXXX XXXX XXXX Customer.
Account opening, closing, or management	I opened an Everyday Checking Account with Wells Fargo, that was supposed to be free of operating costs, and used it for a while. Without my knowledge, the bank started charging me XXXX $ monthly fee from XX/XX/2016 and swallowed XXXX $ in total in fee and started showing me negative.
Credit reporting company's investigation	I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately
Dealing with your lender or servicer	In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXI had my full tax returns taken by XXXX XXXX first and navient the next 2 years. I called and got transferred. No answers. I am finally back on my feet. Getting a home again. The financial hardship this caused me is indescribable... how do I fix what they did?
Getting a credit card	XX/XX/XXXX applied for XXXX XXXX by Chase Bank credit card. XX/XX/XXXX called in regarding for application status. The rep told me I was denied.
Improper use of my credit report	I did not give XXXX XXXX to run a credit report to get service. I 've tried to get this off my hard inquirers Did not give permission. Please remove. Show me proof or remove from credit report please
Improper use of your report	I have contacted transunion and customer service would not help and take care of the negative inquiries reporting to your credit report. They are as follows ... XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XXXXXX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, and XXXX XXXX Inquiry from XX/XX/XXXX
Identity theft / Fraud / Embezzlement	A Paypal credit account was opened in my name and charged {$220.00}. When I informed Paypal, they asked me to send an affidavit. After sending the affidavit, they rejected my claim- and I am still being held liable. I called, and they rejected my claim again. I did not open this account, and I should not be held liable for their poor fraud prevention systems.
Attempts to collect debt not owed	I called resurgent capitol services on XXXX XXXX for a letter stating i own XXXX cents for XXXX XXXX XXXX bill the operator I spoke to threatened to sue me from a Debt I do n't own dating back to the year of XXXX
False statements or representation	XXXX XXXX XXXX claimed I owe XXXX. They could not provide me with “validation”; that is competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I have not heard from the company saying that I owe them. Also when I called I got no response. A certified letter was sent and I received nothing.
False statements or representation	My XXXX Credit Report says Grant & Weber Inc XXXX Collection opened XX/XX/2015 {$210.00} This is not mine. I do not have a relationship with these people, and I have never heard from them. This is not mine and I need it removed so that I can get my new home loan! This is unfair.
False statements or representation	Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 e ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. The companies are : MIDLAND FUNDING LLCXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Credit reporting company's investigation	I recently file a dispute with a collection agencies Experian claim that they removed the account from my credit file they failed to send me a updated copy of a credit report. I have the right per the FCRA LAWS TO RECIEVE THAT COPY FOR MY RECORDS AND SLICK AND DISHONEST IS I WOULD LIKE A UPDATED COPY OF MY REPORT ALSO NOTIFICATION THAT THE ACCOUNT WAS DELETED FOR MY RECORD
Loan modification,collection,foreclosure	FILED BY XXXX : I applied for a modification with SPS and they have informed me that they were going to pursuit the foreclosure while going through a modification ....
Unexpected or other fees	Nothing really happing I 'm a really good hard working lady..I give my all to how things come at me.
Deposits and withdrawals	I opened a checking account with Citibank late last year when there was a promotion of {$400.00} bonus when you deposited {$15000.00} in the account. The terms were the bonus would be posted within 90 days of requirement completion. I completed the requirement ( deposited {$15000.00} ) on XX/XX/2016. As of today, it has passed 90 days and the bonus has n't posted to my account yet. I 'd like the {$400.00} bonus as promised by Citibank.
Improper contact or sharing of info	On or before XX/XX/2016, Global Receivables Solutions , Inc. called my estranged father-in-law regarding my medical debt. The company gave him the amount of the debt and where the debt originated. He now knows about my hospitalization and this is not a person I want knowing anything about us.
Problems when you are unable to pay	Calling multiple times and contacting family members. Excessive contact.
Unable to get credit report/credit score	Paid for and completed the online process of a credit freeze with Experian. {$10.00} was withdrawn from my checking account. My account is not frozen. I can not reach a live person that is willing to help. This is a passive aggressive business practice. I completed the same process, the same day with the XXXX other reporting agencies ( XXXX and XXXX ) with no problem.
Incorrect information on your report	XXXX XXXX is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all XXXX credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus a nd XXXX XXXX XXXX wo uld not do anything to correct this issue.
Cont'd attempts collect debt not owed	I paid this charge in a XXXX store when closing my line. They claim they never got the payment and now added this debt to my credit report
Dealing with my lender or servicer	Constantly my amount is going up, i let them know that my kids and are displaced in a transitional housing for the homeless, i get email, calls i thought i paid dwn my interest but its still high i feel im being rip off. They keep changing the agreement and intrest its enormous, they are causing such pain and lost that i dont know what to do with this.help please.
Loan modification,collection,foreclosure	Hi my name is XXXX XXXX I have a loan with NationStar # XXXX property XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been trying to avoid foreclosure by requesting a loan modification form my lender, i believe i am a victim of predatory lending and my lender is engaging in violations of the Home Owners Bill Of Rights such as dual tracking. they have refused to work with us to obtain an affordable mortgage payments.
False statements or representation	Convergent Outsourcing has placed a collection on my credit report. They are stating that the date of last activity as XX/XX/XXXX, AND the date of the collection as XXXX. Neither of these dates are correct! This account XXXX went into collections at minimum 6 years ago, approximately XX/XX/XXXX, and there has been no activity on this debt since that time! They are not reporting the correct dates.
Cont'd attempts collect debt not owed	Optimum Outcomes continues to contact me and report a debt as unresolved on my credit report. This debt was with XXXX XXXX, and it was clearly included in my bankruptcy that was filed in XXXX 2015. I am including a copy of my bankruptcy papers. If you reference page XXXX, you will clearly see this debt listed.
Incorrect information on your report	I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!
Cont'd attempts collect debt not owed	These people continually call and harass me about a usury interest rate account that has a illegal usury interest rate.that was paid. # XXXX phone # XXXX I am XXXX XXXX XXXX and these people should also be charged with elder abuse. Please help me.
Credit monitoring or identity protection	According to 609 ( a ) ( 1 ) ( A ) through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.
Incorrect information on your report	I applied for one credit card with US Bank on XX/XX/XXXX. The bank ended up submitting XXXX credit inquiries on my XXXX credit report. The dates of the hard inquiries were as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Incorrect information on your report	I was part of the Equifax security breach, as of now I know if nothing has been taken from me but I know my information was involved in the breach.
Improper use of your report	I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.
Attempts to collect debt not owed	My insurance paid in full for this only visit I ever had with the client if this collector. I never received notification of the debt or a billing from this company. I requested a debt validation which has been unanswered. I disputed with XXXX They claim to have verified my information which I requested proof of and have not received it. This collection company also doesnt appear to be registered to do business in the state of Ga
Communication tactics	They call every hour 7 days a week
Managing an account	I have my td bank account linked to an XXXX XXXX app, and td bank is not updating my account balance to the app
Received a loan I didn't apply for	I have never applied for a loan, received a loan or been in contact with the Check 'N Go Company. They sent an invoice or bill in the mail that states my payment has been dishonored. I 'm either concerned that someone has used my identity to take out a loan or Check 'N Go is trying to scam me out of money.
Incorrect information on credit report	There is an credit card account that is stated as XXXX days late on my credit report when it was deemed not late by the credit card account company.
Loan servicing, payments, escrow account	I have been paying my mortgage payment on time and the bank issued a notice to the credit bureaus that I am two months behind.
Disclosure verification of debt	I asked Discover to validate the dept. they claim I own with proof baring my signature 'from a transaction or application '' they failed as well did n't follow rules and place a note the account was in dispute with credit agency 's even unto the court date, they still have n't verified or placed the notes in dispute as by law
Communication tactics	I have asked this compnay to not contact me at work as I work at a hospital and can not receive phone calls. They recorded me stating this and still continue to call.
Problem with a credit reporting company's investigation into an existing problem	Accounts were being reported incorrectly to credit bureaus by the XXXX XXXX XXXX. XXXX has investigated and thus removed the accounts. I have contacted Transunion and XXXX via certified mail to follow suit and remove the accounts. I have not received an update as to the status of the request.
Loan payment wasn't credited to your account	My credit report shows that an account from Cashnet was opened in XXXX 2017 on a one month term for {$540.00}, but the money was never deposited in my account and I was never notified of a loan approval. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX is the collection agency. The address identification number is XXXX
Incorrect information on credit report	XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Equifax - learned about FCRA XXXX and sent on XXXX XXXX to block. Equifax refuses to block.
Dealing with my lender or servicer	Wells Fargo illegally charged late fees and demanded payments while in school, they also have applied the higher interest rate associated with past due accounts. I now have over XXXX in interest applied to my student loan.
Cont'd attempts collect debt not owed	I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.
Unable to get credit report/credit score	I had faxed my report request To Clarity Services to obtain my report by fax and they have not responded.
Credit monitoring or identity theft protection services	in 2015 I went to bye a pickup truck from a dealership and that is when i was informed that i had purchased a home in Texas and also bought a car in XXXX XXXX so ever sense that day my credit score has went down. the thing that i do not know what to do
Disclosure verification of debt	This collection agency is attempting to collect on authorized charges/billing of a medical provider. The items were disputed with the medical provider.
Cont'd attempts collect debt not owed	Having my credit checked found a XXXX account for a {$170.00}, got a hold of XXXX and they had no record of it filed complaint on the collection agency and XXXX to get it off my credit report.the collection agency called me last Friday to inform me that that account was with drawn from their company in XXXX 2012, and at that time they sent deletion requests letters to the credit bureaus to be taken off my credit report.Why was it not taken off 4 years ago?
False statements or representation	On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XXXX, XXXX, XXXX & XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.
Other features, terms, or problems	On XXXX/XXXX/XXXX I redeemed some of my rewards points for my suntrust credit card for three {$100.00} XXXX gift cards. They never arrived. I called Suntrust and they were very unhelpful, they refused to just give me the gift card numbers, or to cancel the gift cards and send new ones. I also filed a complaint on XXXX I believe but I have heard nothing back from them, they have sent me no updates, or even an acknowledgement that my complaint was filed.
Attempts to collect debt not owed	This debt is showing up on my XXXX credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my XXXX report. I need CommonWealth Financial to remove it from my XXXX report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.
Incorrect information on your report	I have reached out to XXXX who has responded, however XXXX, XXXX and Transunion still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.
False statements or representation	Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.
Unable to get your credit report or credit score	Equifax is ( for the second year in a row ) refusing to provide me with my Annual Credit Report under the FACT Act. I receive the error message " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' They can not identify that error, nor tell me what can be done to resolve it. I filed complaints about this last year as well and continue to have the same troubles this year.
Communication tactics	I received a first demand notice XX/XX/2016. I called because I have been paying monthly payments as agreed upon. I was told that I was only paying interest and could I get someone to pay off the debt or increase my payments. I am paying as much as I can monthly. I receive penalized early retirement.
Cont'd attempts collect debt not owed	On XXXX XXXX, 2015 I called spoke with XXXX XXXX of United Recovery Systems and agreed to pay the full settlement amount of {$620.00} which would close out the account completely. On XXXX XXXX, 2015 I called and spoke to XXXX XXXX on why the account is not closed and she explained to me that there is a remaining balance of {$400.00} due on the account.
Cont'd attempts collect debt not owed	HI, The company EOS CCA XXXX XXXX XXXX XXXX XXXX XXXX keeps sending me letters when I 've told them over and over that I never had this account with XXXX XXXX XXXX balance at all XXXX XXXX XXXX verified that there is a XXXX balance since XXXX account # XXXX Please get this company to STOP Thank you XXXX XXXX XXXX XXXX XXXX
Improper use of my credit report	I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.
Cont'd attempts collect debt not owed	This was billed improperly to the VA. I was and still am covered by Medicaid ( XXXX ) ID # XXXX. I notified the care provider and debt collector of this, however I am still being billed. Medicaid is a Federal Insurance with no co-pay and billing me personally is in violation of Federal law.
Struggling to pay your loan	On XX/XX/2017 I took out a loan for {$XXXX} with XXXX XXXX. I recently learned that in the state of Oregon there is a max interest rate payday lenders can charge of XXXX % XXXX XXXX is far above this rate and charging me XXXX % in interest. To date, I have paid a total of {$XXXX} back on the loan XXXX the principal and {$XXXX} XXXX.
Incorrect information on your report	I have a couple inquiries I did n't authorized showing on my credit report, It wo n't let me dispute them online. One is an XXXX inquiry from XX/XX/XXXX and another is XXXX XXXX from XX/XX/XXXX. Please remove these inquiries as soon as possible. Thanks
Attempts to collect debt not owed	I filed a dispute with SCA Collections in regards to a debt validation. They never sent a contract that I signed with them for the debt or itemization of the charges.
Attempts to collect debt not owed	The original debtor is listed as XXXX. Through previous communications, I understand this is from an account out of Michigan. I have never had a XXXX account and do not live in Michigan. This is not my debt.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Attempts to collect debt not owed	Paid on XXXX XXXX 18 was promised a release letter via email with in 24 hrs have made several call sense then and they refuse to send my letter
Loan servicing, payments, escrow account	XXXX in error submitted a negative notice concerning my final mortgage payment and while promised to reverse this negative report 75 days has passed and my credit report remains adversely affected.
Communication tactics	My Payday loan is included in a debt consolidation program i am currently enrolled in. I was told not to pay while trying to settle and that they should not call me at work. They are currently calling me daily at the number listed above.
Unable to get credit report/credit score	I have sent XXXX letters to each Credit Bureus and the only to reply finally after three months was Equifax .... and it was n't even with reports ... I have asked repeatedly to verify the information on my reports to no avail, I need for you to investigate why i am not receiving any reply
Incorrect information on your report	SCHOOLS FIRST FEDERAL CREDIT UNION : Refuse to remove fraudulent account out of my name, after months of trying to work with them. I have sent ; " FTC ID Theft Report '', Police Report, Copy of my ID & SS Card and they still refuse to REMOVE or BLOCK the fraudulent account from my name. I did not open this account.
Rewards	I just opened up a credit card with Barclaycard Bank. They did a hard pull on my credit report which negatively affected my XXXX score. I used the card and paid on time always. I did nothing wrong. They recently closed my account for no reason which again negatively affects my credit report because I will have a notation indicating that the credit was closed by the creditor.
Making/receiving payments, sending money	I received a bill for a " expedited payoff ''. I did not request this therefore is does not belong to me, nor did I agree to this!
Incorrect information on your report	I have an account that seems to me is a bank account closer and its negative in my credit report. XXXX XXXX XXXX in XXXX
Incorrect information on credit report	XXXX XXXX XXXX pa, XXXX XXXX Account # XXXX no contract or no signature
APR or interest rate	I really hope this is n't a waste of your time. I am a service member with a credit card with Chase. I have other credit cards whose interest drops to 6 % because of the Servicemember 's Civil Relief Act ( SCRA ). Unfortunately, Chase says that I am not eligible because I got the credit card after I entered XXXX XXXX. XXXX and XXXX are XXXX companies that do n't have such a restriction.
Incorrect information on credit report	In XXXX 2012 I disputed a judgement listed on my Experian credit report. Experian verified. I have contacted the court listed and they have no judgement rendered under my name. Further, they have stated that they have NEVER received any inquiries from Experian regarding any alleged judgement. I 'm requesting Experian to provide me with their Method of verification or to delete this tradeline from my report.
Incorrect information on credit report	I do n't have a Sears card anymore, I did n't Renew it. Montgomery Wards was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments
Closing/Cancelling account	I was a visiting scholar 4 years ago in XXXX. I had a XXXX VISA Account and I closed it when I left XXXX in XX/XX/XXXX. This year, I came back to XXXX again. However, when I saw my credit report today, according to XXXX, I had a bad debt rating. I called XXXX CARD, they told me that I had a {$90.00} payment in XX/XX/XXXX. How could it happen with a closed account? If there was a pending payment, how could I have not been notified? And how could this account be closed?
Account opening, closing, or management	I just received an unsolicited debit card from netSpend encouraging me to sign up to have my paycheck deposited with them. The card is real and way to easy to activate. Seems very deceptive and comes with lots of fees.
Cont'd attempts collect debt not owed	I cancelled XXXX service after 2-year commitment period, but XXXX wrongly charged me an " early '' termination fee ( approx. {$85.00} ), which I disputed. XXXX and AFNI reported the " debt '' to credit agencies, including XXXX, and has lowered my ( previously ) excellent credit score.
Loan modification,collection,foreclosure	Planet Home Lending has my mother 's mortgage. Tried to get help with modify the high mortgage rate. Spoke to a lady back in XX/XX/XXXX who was suppose to send out paper work. Called back in XX/XX/XXXX to follow up. They said there was none thing than can do. Spoke to a man who was a supervisor who mention that they could lower payment by {$70.00}, than back off his statement. Service was very rude.
Problem with a credit reporting company's investigation into an existing problem	Transunion has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.
Unable to get your credit report or credit score	When I entered all the information needed to complete application, I do n't see anything. No credit report was given. Same problem with other credit bureaus. How am I to read my credit info once a year when nothing is provided. Do you not show the results online? Does it only get processed through the mail?
Incorrect information on credit report	According to all XXXX credit report they have XXXX XXXX XXXX MA XXXX associated with my credit report and in 44 years I have never lived in MA. Therefore I like it investigated and also on XXXX and XXXX Reports they say there is a mortgage in my name associated with this address and I have never opened a mortgage.
Problem with a credit reporting company's investigation into an existing problem	I have sent a police report to transunion in reference to inaccurate information on my report along with a dispute letter with no response. So I have sent another letter with my copies of police report to hopefully get this rectified. No information was sent to me stating they have verified any information.
Incorrect information on credit report	I had a bankruptcy XXXX years ago, and it is still showing up on equifax, which is preventing me from buying a home at a good rate. They need to take it off like XXXX did so my score will be XXXX
Disclosure verification of debt	I have contacted TransWorld Systems, 5 times to date via certified mail, they are reporting an unknown account on my credit as it relates to XXXX- I have never had service with XXXX. My concern, is that I was never initially contacted about the debt before it was placed on my credit and I have not been contacted after reaching out to them 5 times!!!
Disclosure verification of debt	Hi ive recived a zero Blance letter from XXXX XXXX XXXX XXXX # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX
Credit monitoring or identity protection	Back in XX/XX/2011 I had to close an account because an ex of mine opened a credit card under my name without my permission. I was left to pay the bill, I did n't know until now that I could dispute the credit report. I was afraid he would of tried to make more purchases. He was trying to ruin my credit and he suceeded. I had to pay a lot on charges he made.
Attempts to collect debt not owed	I got nothing owed from XXXX company since I cancelled my account from them on 2012. Do not know how they got it I am just tired dealing with this collection agency. So, I reported these matter to stop! Thanks, XXXX
Incorrect information on your report	This is an account that is not mine, I 've disputed, I 've produced paper work from the XXXX. They will not remove this account from my credit file. I have no knowledge of what the bank is where it is, if it even exists where I live. I 've never heard of the company and whats most confusing is there is a XXXX balance. this is negatively impacting my credit file and it is not my account
Attempts to collect debt not owed	Debt has been paid in full
Incorrect information on your report	On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law
Improper use of your report	Spoke with all three credit bureaus about old inquiries that were on my credit report that I did not authorize some from car dealers and XXXX XXXX XXXX and mortgage loans that I did not authorize was told to contact the companies which I did and still they refused to remove the unauthorized inquiries

Attempts to collect debt not owed

I sent a letter to Diversified Consultants Inc on X/XX/2017 requesting that they validate NOT verify a debt that they are attempting to collect from me in the amount of {$340.00}. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement which does not prove that I am obligated to pay them anything.They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Incorrect information on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Mo XXXX no signature and no contract

Disclosure verification of debt

First started receiving fake medical bills, and now threats of reporting to credit bureaus

Incorrect information on credit report

I have a dispute with chef systems for an nsf check dated XXXX XXXX XXXX. My ssn is XXXX do XXXX XXXX XXXX. It 's in the amount of XXXX from alliance bank. I have never had an account through then and I want proof of this check and who it was made out too. That 's part of the verification of debt. I want a copy of this check and something with my signature agreeing to pay any fees associated with this company

Taking/threatening an illegal action

Check into Cash states that I owe them {$1100.00}. At the time the dates are listed, my bank account information was stolen. I honestly do not remember this transaction.

Cont'd attempts collect debt not owed

I received the first call on XXXX XXXX and the second call on XXXX XXXX. The phone number was XXXX. I have absolutely perfect credit and have never had uncollected debt. I did not talk to anyone. I listened to the message stating that the organization is called Capital Management Services and that they are a collection agency and have a debt that I need to take care of. I have no intention of calling them back.

Disclosure verification of debt

Commonwealth Finance System, XXXX XXXX, XXXX is trying to collect a Medical debt of {$440.00} from XX/XX/2010 submitted by Virginia XXXX XXXX XXXX. I have n't lived in XXXX for 6 years and never received a bill from anyone and nothing was forwarded to me.

Opening an account

I 'm unable to open either a business and or personal account with XXXX XXXX XXXX and I 'm completely confused as to why. I 've had no record of abuse with XXXX XXXX XXXX and I 'm being treated unfairly and would love to be a XXXX XXXX XXXX Customer.

Account opening, closing, or management

I opened an Everyday Checking Account with Wells Fargo, that was supposed to be free of operating costs, and used it for a while. Without my knowledge, the bank started charging me XXXX $ monthly fee from XX/XX/2016 and swallowed XXXX $ in total in fee and started showing me negative.

Credit reporting company's investigation

I have been more than patient when dealing with the credit bureaus and their so called investigations. I have requested that documents showing that these below accounts are mine - and who they have spoken to regarding proof that each XXXX of these accounts are mine. My efforts have been ignored and I would like it resolved immediately

Dealing with your lender or servicer

In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXI had my full tax returns taken by XXXX XXXX first and navient the next 2 years. I called and got transferred. No answers. I am finally back on my feet. Getting a home again. The financial hardship this caused me is indescribable... how do I fix what they did?

Getting a credit card

XX/XX/XXXX applied for XXXX XXXX by Chase Bank credit card. XX/XX/XXXX called in regarding for application status. The rep told me I was denied.

Improper use of my credit report

I did not give XXXX XXXX to run a credit report to get service. I 've tried to get this off my hard inquirers Did not give permission. Please remove. Show me proof or remove from credit report please

Improper use of your report

I have contacted transunion and customer service would not help and take care of the negative inquiries reporting to your credit report. They are as follows ... XXXX XXXX Inquiry from XX/XX/XXXX, XXXX XXXX XXXX Inquiry from XXXXXX/XX/XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX, and XXXX XXXX Inquiry from XX/XX/XXXX

Identity theft / Fraud / Embezzlement

A Paypal credit account was opened in my name and charged {$220.00}. When I informed Paypal, they asked me to send an affidavit. After sending the affidavit, they rejected my claim- and I am still being held liable. I called, and they rejected my claim again. I did not open this account, and I should not be held liable for their poor fraud prevention systems.

Attempts to collect debt not owed

I called resurgent capitol services on XXXX XXXX for a letter stating i own XXXX cents for XXXX XXXX XXXX bill the operator I spoke to threatened to sue me from a Debt I do n't own dating back to the year of XXXX

False statements or representation

XXXX XXXX XXXX claimed I owe XXXX. They could not provide me with “validation”; that is competent evidence bearing my signature, showing that I have (or ever had) some contractual obligation to pay them. I have not heard from the company saying that I owe them. Also when I called I got no response. A certified letter was sent and I received nothing.

False statements or representation

My XXXX Credit Report says Grant & Weber Inc XXXX Collection opened XX/XX/2015 {$210.00} This is not mine. I do not have a relationship with these people, and I have never heard from them. This is not mine and I need it removed so that I can get my new home loan! This is unfair.

False statements or representation

Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 e ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. The companies are : MIDLAND FUNDING LLCXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Credit reporting company's investigation

I recently file a dispute with a collection agencies Experian claim that they removed the account from my credit file they failed to send me a updated copy of a credit report. I have the right per the FCRA LAWS TO RECIEVE THAT COPY FOR MY RECORDS AND SLICK AND DISHONEST IS I WOULD LIKE A UPDATED COPY OF MY REPORT ALSO NOTIFICATION THAT THE ACCOUNT WAS DELETED FOR MY RECORD

Loan modification,collection,foreclosure

FILED BY XXXX : I applied for a modification with SPS and they have informed me that they were going to pursuit the foreclosure while going through a modification ....

Unexpected or other fees

Nothing really happing I 'm a really good hard working lady..I give my all to how things come at me.

Deposits and withdrawals

I opened a checking account with Citibank late last year when there was a promotion of {$400.00} bonus when you deposited {$15000.00} in the account. The terms were the bonus would be posted within 90 days of requirement completion. I completed the requirement ( deposited {$15000.00} ) on XX/XX/2016. As of today, it has passed 90 days and the bonus has n't posted to my account yet. I 'd like the {$400.00} bonus as promised by Citibank.

Improper contact or sharing of info

On or before XX/XX/2016, Global Receivables Solutions , Inc. called my estranged father-in-law regarding my medical debt. The company gave him the amount of the debt and where the debt originated. He now knows about my hospitalization and this is not a person I want knowing anything about us.

Problems when you are unable to pay

Calling multiple times and contacting family members. Excessive contact.

Unable to get credit report/credit score

Paid for and completed the online process of a credit freeze with Experian. {$10.00} was withdrawn from my checking account. My account is not frozen. I can not reach a live person that is willing to help. This is a passive aggressive business practice. I completed the same process, the same day with the XXXX other reporting agencies ( XXXX and XXXX ) with no problem.

Incorrect information on your report

XXXX XXXX is not reporting the correct payment amounts that are being made monthly. I 'm currently making over {$600.00} a month payments and only receiving {$35.00} a month and credit on all XXXX credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit bureaus a nd XXXX XXXX XXXX wo uld not do anything to correct this issue.

Cont'd attempts collect debt not owed

I paid this charge in a XXXX store when closing my line. They claim they never got the payment and now added this debt to my credit report

Dealing with my lender or servicer

Constantly my amount is going up, i let them know that my kids and are displaced in a transitional housing for the homeless, i get email, calls i thought i paid dwn my interest but its still high i feel im being rip off. They keep changing the agreement and intrest its enormous, they are causing such pain and lost that i dont know what to do with this.help please.

Loan modification,collection,foreclosure

Hi my name is XXXX XXXX I have a loan with NationStar # XXXX property XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been trying to avoid foreclosure by requesting a loan modification form my lender, i believe i am a victim of predatory lending and my lender is engaging in violations of the Home Owners Bill Of Rights such as dual tracking. they have refused to work with us to obtain an affordable mortgage payments.

False statements or representation

Convergent Outsourcing has placed a collection on my credit report. They are stating that the date of last activity as XX/XX/XXXX, AND the date of the collection as XXXX. Neither of these dates are correct! This account XXXX went into collections at minimum 6 years ago, approximately XX/XX/XXXX, and there has been no activity on this debt since that time! They are not reporting the correct dates.

Cont'd attempts collect debt not owed

Optimum Outcomes continues to contact me and report a debt as unresolved on my credit report. This debt was with XXXX XXXX, and it was clearly included in my bankruptcy that was filed in XXXX 2015. I am including a copy of my bankruptcy papers. If you reference page XXXX, you will clearly see this debt listed.

Incorrect information on your report

I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be off!

Cont'd attempts collect debt not owed

These people continually call and harass me about a usury interest rate account that has a illegal usury interest rate.that was paid. # XXXX phone # XXXX I am XXXX XXXX XXXX and these people should also be charged with elder abuse. Please help me.

Credit monitoring or identity protection

According to 609 ( a ) ( 1 ) ( A ) through physical Verfication, verify original signed consumer contract- any and all accounts posted on my credit report.

Incorrect information on your report

I applied for one credit card with US Bank on XX/XX/XXXX. The bank ended up submitting XXXX credit inquiries on my XXXX credit report. The dates of the hard inquiries were as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Incorrect information on your report

I was part of the Equifax security breach, as of now I know if nothing has been taken from me but I know my information was involved in the breach.

Improper use of your report

I recently received a copy of my Equifax credit report and I notice there is an unauthorized credit inquiry made by XXXX XXXX. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into XXXX XXXX inquiry to determine who requested this credit inquiry.

Attempts to collect debt not owed

My insurance paid in full for this only visit I ever had with the client if this collector. I never received notification of the debt or a billing from this company. I requested a debt validation which has been unanswered. I disputed with XXXX They claim to have verified my information which I requested proof of and have not received it. This collection company also doesnt appear to be registered to do business in the state of Ga

Communication tactics

They call every hour 7 days a week

Managing an account

I have my td bank account linked to an XXXX XXXX app, and td bank is not updating my account balance to the app

Received a loan I didn't apply for

I have never applied for a loan, received a loan or been in contact with the Check 'N Go Company. They sent an invoice or bill in the mail that states my payment has been dishonored. I 'm either concerned that someone has used my identity to take out a loan or Check 'N Go is trying to scam me out of money.

Incorrect information on credit report

There is an credit card account that is stated as XXXX days late on my credit report when it was deemed not late by the credit card account company.

Loan servicing, payments, escrow account

I have been paying my mortgage payment on time and the bank issued a notice to the credit bureaus that I am two months behind.

Disclosure verification of debt

I asked Discover to validate the dept. they claim I own with proof baring my signature 'from a transaction or application '' they failed as well did n't follow rules and place a note the account was in dispute with credit agency 's even unto the court date, they still have n't verified or placed the notes in dispute as by law

Communication tactics

I have asked this compnay to not contact me at work as I work at a hospital and can not receive phone calls. They recorded me stating this and still continue to call.

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

Accounts were being reported incorrectly to credit bureaus by the XXXX XXXX XXXX. XXXX has investigated and thus removed the accounts. I have contacted Transunion and XXXX via certified mail to follow suit and remove the accounts. I have not received an update as to the status of the request.

Loan payment wasn't credited to your account

My credit report shows that an account from Cashnet was opened in XXXX 2017 on a one month term for {$540.00}, but the money was never deposited in my account and I was never notified of a loan approval. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO. XXXX is the collection agency. The address identification number is XXXX

Incorrect information on credit report

XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Equifax - learned about FCRA XXXX and sent on XXXX XXXX to block. Equifax refuses to block.

Dealing with my lender or servicer

Wells Fargo illegally charged late fees and demanded payments while in school, they also have applied the higher interest rate associated with past due accounts. I now have over XXXX in interest applied to my student loan.

Cont'd attempts collect debt not owed

I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.

Unable to get credit report/credit score

I had faxed my report request To Clarity Services to obtain my report by fax and they have not responded.

Credit monitoring or identity theft protection services

in 2015 I went to bye a pickup truck from a dealership and that is when i was informed that i had purchased a home in Texas and also bought a car in XXXX XXXX so ever sense that day my credit score has went down. the thing that i do not know what to do

Disclosure verification of debt

This collection agency is attempting to collect on authorized charges/billing of a medical provider. The items were disputed with the medical provider.

Cont'd attempts collect debt not owed

Having my credit checked found a XXXX account for a {$170.00}, got a hold of XXXX and they had no record of it filed complaint on the collection agency and XXXX to get it off my credit report.the collection agency called me last Friday to inform me that that account was with drawn from their company in XXXX 2012, and at that time they sent deletion requests letters to the credit bureaus to be taken off my credit report.Why was it not taken off 4 years ago?

False statements or representation

On XXXX/XXXX/15 I cancelled my internet service with XXXX. In XXXX, XXXX, XXXX & XXXX I called XXXX due to bills received that did not reflect the final balance. Since then XXXX has sent my account to collections. I do not owe {$130.00}, my bill should not have been more than {$30.00} or {$40.00}.

Other features, terms, or problems

On XXXX/XXXX/XXXX I redeemed some of my rewards points for my suntrust credit card for three {$100.00} XXXX gift cards. They never arrived. I called Suntrust and they were very unhelpful, they refused to just give me the gift card numbers, or to cancel the gift cards and send new ones. I also filed a complaint on XXXX I believe but I have heard nothing back from them, they have sent me no updates, or even an acknowledgement that my complaint was filed.

Attempts to collect debt not owed

This debt is showing up on my XXXX credit report as an unpaid collection. The amount is {$50.00}. I have know that this debt is not mine as I have several listed on my XXXX report. I need CommonWealth Financial to remove it from my XXXX report. Someone has used my social security number at a hospital and that why this collection is showing negative and a collection on my credit report.

Incorrect information on your report

I have reached out to XXXX who has responded, however XXXX, XXXX and Transunion still reports fraudulent inquiries from a XXXX account that someone fraudulently attempted to use with my social security number. I still show the following inquiries on my credit report.

False statements or representation

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

Unable to get your credit report or credit score

Equifax is ( for the second year in a row ) refusing to provide me with my Annual Credit Report under the FACT Act. I receive the error message " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. '' They can not identify that error, nor tell me what can be done to resolve it. I filed complaints about this last year as well and continue to have the same troubles this year.

Communication tactics

I received a first demand notice XX/XX/2016. I called because I have been paying monthly payments as agreed upon. I was told that I was only paying interest and could I get someone to pay off the debt or increase my payments. I am paying as much as I can monthly. I receive penalized early retirement.

Cont'd attempts collect debt not owed

On XXXX XXXX, 2015 I called spoke with XXXX XXXX of United Recovery Systems and agreed to pay the full settlement amount of {$620.00} which would close out the account completely. On XXXX XXXX, 2015 I called and spoke to XXXX XXXX on why the account is not closed and she explained to me that there is a remaining balance of {$400.00} due on the account.

Cont'd attempts collect debt not owed

HI, The company EOS CCA XXXX XXXX XXXX XXXX XXXX XXXX keeps sending me letters when I 've told them over and over that I never had this account with XXXX XXXX XXXX balance at all XXXX XXXX XXXX verified that there is a XXXX balance since XXXX account # XXXX Please get this company to STOP Thank you XXXX XXXX XXXX XXXX XXXX

Improper use of my credit report

I have recently checked my credit report and noticed that under public records there is a record of my BankRuptcy. the Credit Bureau are reporting a bankruptcy. The courts do n't verify that information that information was pulled from a third-party reporting therefore it needs to be deleted.

Cont'd attempts collect debt not owed

This was billed improperly to the VA. I was and still am covered by Medicaid ( XXXX ) ID # XXXX. I notified the care provider and debt collector of this, however I am still being billed. Medicaid is a Federal Insurance with no co-pay and billing me personally is in violation of Federal law.

Struggling to pay your loan

On XX/XX/2017 I took out a loan for {$XXXX} with XXXX XXXX. I recently learned that in the state of Oregon there is a max interest rate payday lenders can charge of XXXX % XXXX XXXX is far above this rate and charging me XXXX % in interest. To date, I have paid a total of {$XXXX} back on the loan XXXX the principal and {$XXXX} XXXX.

Incorrect information on your report

I have a couple inquiries I did n't authorized showing on my credit report, It wo n't let me dispute them online. One is an XXXX inquiry from XX/XX/XXXX and another is XXXX XXXX from XX/XX/XXXX. Please remove these inquiries as soon as possible. Thanks

Attempts to collect debt not owed

I filed a dispute with SCA Collections in regards to a debt validation. They never sent a contract that I signed with them for the debt or itemization of the charges.

Attempts to collect debt not owed

The original debtor is listed as XXXX. Through previous communications, I understand this is from an account out of Michigan. I have never had a XXXX account and do not live in Michigan. This is not my debt.

Incorrect information on your report

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

Attempts to collect debt not owed

Paid on XXXX XXXX 18 was promised a release letter via email with in 24 hrs have made several call sense then and they refuse to send my letter

Loan servicing, payments, escrow account

XXXX in error submitted a negative notice concerning my final mortgage payment and while promised to reverse this negative report 75 days has passed and my credit report remains adversely affected.

Communication tactics

My Payday loan is included in a debt consolidation program i am currently enrolled in. I was told not to pay while trying to settle and that they should not call me at work. They are currently calling me daily at the number listed above.

Unable to get credit report/credit score

I have sent XXXX letters to each Credit Bureus and the only to reply finally after three months was Equifax .... and it was n't even with reports ... I have asked repeatedly to verify the information on my reports to no avail, I need for you to investigate why i am not receiving any reply

Incorrect information on your report

SCHOOLS FIRST FEDERAL CREDIT UNION : Refuse to remove fraudulent account out of my name, after months of trying to work with them. I have sent ; " FTC ID Theft Report '', Police Report, Copy of my ID & SS Card and they still refuse to REMOVE or BLOCK the fraudulent account from my name. I did not open this account.

Rewards

I just opened up a credit card with Barclaycard Bank. They did a hard pull on my credit report which negatively affected my XXXX score. I used the card and paid on time always. I did nothing wrong. They recently closed my account for no reason which again negatively affects my credit report because I will have a notation indicating that the credit was closed by the creditor.

Making/receiving payments, sending money

I received a bill for a " expedited payoff ''. I did not request this therefore is does not belong to me, nor did I agree to this!

Incorrect information on your report

I have an account that seems to me is a bank account closer and its negative in my credit report. XXXX XXXX XXXX in XXXX

Incorrect information on credit report

XXXX XXXX XXXX pa, XXXX XXXX Account # XXXX no contract or no signature

APR or interest rate

I really hope this is n't a waste of your time. I am a service member with a credit card with Chase. I have other credit cards whose interest drops to 6 % because of the Servicemember 's Civil Relief Act ( SCRA ). Unfortunately, Chase says that I am not eligible because I got the credit card after I entered XXXX XXXX. XXXX and XXXX are XXXX companies that do n't have such a restriction.

Incorrect information on credit report

In XXXX 2012 I disputed a judgement listed on my Experian credit report. Experian verified. I have contacted the court listed and they have no judgement rendered under my name. Further, they have stated that they have NEVER received any inquiries from Experian regarding any alleged judgement. I 'm requesting Experian to provide me with their Method of verification or to delete this tradeline from my report.

Incorrect information on credit report

I do n't have a Sears card anymore, I did n't Renew it. Montgomery Wards was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments

Closing/Cancelling account

I was a visiting scholar 4 years ago in XXXX. I had a XXXX VISA Account and I closed it when I left XXXX in XX/XX/XXXX. This year, I came back to XXXX again. However, when I saw my credit report today, according to XXXX, I had a bad debt rating. I called XXXX CARD, they told me that I had a {$90.00} payment in XX/XX/XXXX. How could it happen with a closed account? If there was a pending payment, how could I have not been notified? And how could this account be closed?

Account opening, closing, or management

I just received an unsolicited debit card from netSpend encouraging me to sign up to have my paycheck deposited with them. The card is real and way to easy to activate. Seems very deceptive and comes with lots of fees.

Cont'd attempts collect debt not owed

I cancelled XXXX service after 2-year commitment period, but XXXX wrongly charged me an " early '' termination fee ( approx. {$85.00} ), which I disputed. XXXX and AFNI reported the " debt '' to credit agencies, including XXXX, and has lowered my ( previously ) excellent credit score.

Loan modification,collection,foreclosure

Planet Home Lending has my mother 's mortgage. Tried to get help with modify the high mortgage rate. Spoke to a lady back in XX/XX/XXXX who was suppose to send out paper work. Called back in XX/XX/XXXX to follow up. They said there was none thing than can do. Spoke to a man who was a supervisor who mention that they could lower payment by {$70.00}, than back off his statement. Service was very rude.

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

Transunion has ignored my request to provide the documentation used to verify the accounts on my credit report. Being that they have passed the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified, that I disputed. '' Please resolve.

Unable to get your credit report or credit score

When I entered all the information needed to complete application, I do n't see anything. No credit report was given. Same problem with other credit bureaus. How am I to read my credit info once a year when nothing is provided. Do you not show the results online? Does it only get processed through the mail?

Incorrect information on credit report

According to all XXXX credit report they have XXXX XXXX XXXX MA XXXX associated with my credit report and in 44 years I have never lived in MA. Therefore I like it investigated and also on XXXX and XXXX Reports they say there is a mortgage in my name associated with this address and I have never opened a mortgage.

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

I have sent a police report to transunion in reference to inaccurate information on my report along with a dispute letter with no response. So I have sent another letter with my copies of police report to hopefully get this rectified. No information was sent to me stating they have verified any information.

Incorrect information on credit report

I had a bankruptcy XXXX years ago, and it is still showing up on equifax, which is preventing me from buying a home at a good rate. They need to take it off like XXXX did so my score will be XXXX

Disclosure verification of debt

I have contacted TransWorld Systems, 5 times to date via certified mail, they are reporting an unknown account on my credit as it relates to XXXX- I have never had service with XXXX. My concern, is that I was never initially contacted about the debt before it was placed on my credit and I have not been contacted after reaching out to them 5 times!!!

Disclosure verification of debt

Hi ive recived a zero Blance letter from XXXX XXXX XXXX XXXX # XXXX. And iam trying to refinac my home but the bank wants more proof than zero blance can you please help me with this problem if you can email me some more proof XXXXXXXXXXXX

Credit monitoring or identity protection

Back in XX/XX/2011 I had to close an account because an ex of mine opened a credit card under my name without my permission. I was left to pay the bill, I did n't know until now that I could dispute the credit report. I was afraid he would of tried to make more purchases. He was trying to ruin my credit and he suceeded. I had to pay a lot on charges he made.

Attempts to collect debt not owed

I got nothing owed from XXXX company since I cancelled my account from them on 2012. Do not know how they got it I am just tired dealing with this collection agency. So, I reported these matter to stop! Thanks, XXXX

Incorrect information on your report

This is an account that is not mine, I 've disputed, I 've produced paper work from the XXXX. They will not remove this account from my credit file. I have no knowledge of what the bank is where it is, if it even exists where I live. I 've never heard of the company and whats most confusing is there is a XXXX balance. this is negatively impacting my credit file and it is not my account

Attempts to collect debt not owed

Debt has been paid in full

Incorrect information on your report

On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law

Improper use of your report

Spoke with all three credit bureaus about old inquiries that were on my credit report that I did not authorize some from car dealers and XXXX XXXX XXXX and mortgage loans that I did not authorize was told to contact the companies which I did and still they refused to remove the unauthorized inquiries