determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Loan modification,collection,foreclosure	FOR THE LAST 18 MONTHS WE HAVER REQUESTED A HARP LOANBASED ON OUR INCOME OR PRINCIPAL MODIFICATION. WE HAVE BEEN GIVE TRAIL MODIFICATIONS AT OVER {$4000.00} PER MONTH WE WANT TO HAVE A AFFORDABLE LOAN SINCE HOUSE IS VALUED LOWER THAN MORTGAGE LOAN
Using a debit or ATM card	I was charged three times by XXXX for a ticket I ordered once. I could not get a hold of anyone at Wells. XXXX people at XXXX, in particular XXXX, threatened to hang up on me despite XXXX rippingme off.
Managing an account	on XXXX XXXX i made a deposit of XXXX and it only credited it me for XXXX dollars
Taking out the loan or lease	My car is financed by Sandtander consumer USA for almost 3 years so I was thinking I have 1 more year to pay off my loan which is {$20000.00}. I recently tried to trade in my car and get a new car so I called and ask them how much of my loan is left to pay off, the manager told I still owe {$20000.00} on the car even though I have paid off over {$11000.00} for close to 3 years. They said the {$11000.00} plus that I have paid so far was all late fees
Incorrect information on credit report	On XXXX XXXX, 2016, I received a letter of denial from XXXX XXXX, OH, credit card application department ( REF : XXXX ) and the reason was due to " unable to verify identity information '' The application was made on XXXX XXXX, 2016, online. I never applied for this credit card. Thank you. XXXX XXXX XXXX
Received a loan you didn't apply for	On XXXX XXXX 2017 someone used my name to get a payday loan. I checked my credit report and I did not open that account that day.
Attempts to collect debt not owed	Previously sent two requests for validation of the debt. on two separate accounts. Midland never provided validation of either debt XXXX XXXX XXXX or XXXX ). Time has expired for Under the Fair Credit Reporting Act. They must remove the unverified reportings.
Incorrect information on credit report	Trans Union had a glitch in there system that violated the rights of their consumers under section 6.11. As a result I have be en gravely effected and my credit score is suffering as a result. No notice was ever given, with is also a violation. I am requesting that all inquiries be removed immediately.
Cont'd attempts collect debt not owed	My lawyer told me all my hospital bills were taken care of including this one when we settled with the other attorney when I was in a car accident. He said I had no more bills to be paid or be worried about. I dont know why after all theset years it 's still on there I have disputed it many times and other collection agencies pick it up but it has hurt my credit over time.
Trouble during payment process	Hunting Bank Paid from my escrow account a non bill insurance Declaration Page statement. putting my escrow in to a seriously negative balance.
Credit monitoring or identity protection	Stole my identity through fake emails
Loan servicing, payments, escrow account	My mortgage lender CitiMortgage is refusing to allow me online access to my mortgage account.
Attempts to collect debt not owed	I have not had an account with this company and has demanded " validation of Debt '' twice now. I did not enter into any contract with this company and has not received any documentation at all from them.
Dealing with my lender or servicer	I have repeatedly requested that all over payments get applied directly to principle, but my loan servicer, Nelnet, continually advances the due date. Then they tell me I do n't know how payments work. I then have to educate a willfully ignorant rep on how compound interest works, and advancing my due date is not in my best interest.
Attempts to collect debt not owed	Repeated calls ... MANY calls, all recordings, for our son, saying he needs to call them regarding his loans. Identified as Navient. 1 ) Our son has no debt with them, 2 ) he has n't lived here for years, and would never have used our phone number for anything like this. When he called the number they left, they then identify themselves as a student loan consolidator. We want these calls to stop.
Loan servicing, payments, escrow account	XXXX Chase mortgages have been resolved since 2009. They are currently reporting negatively 7 years later, the accounts have been paid and I am no longer responsible either accounts.
Improper use of your report	XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. XXXX has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.
Incorrect information on your report	Dear TransUnion, Please remove the following name from my report as it does not belong to me and is being reported in error : Wrong Name : XXXX XXXX. Attached you will find a copy of my state issued drivers license. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, XXXX XXXX.
Problem with a credit reporting company's investigation into an existing problem	Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.
Improper use of your report	My personal information was disclosed without my consent by Equifax.
Managing the loan or lease	My husband was transitioning into a new job and the car payment was simply forgotten. I was contacted about my payment and made the payment immediately. I had confirmation from the person that I spoke with that it would not be shown as a late payment and it would n't hurt my credit. This is hurting my credit and it is not benefiting me as a consumer. I really need this removed.
Incorrect information on your report	As of pulling my credit report recently I realized that Capital One credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.
Written notification about debt	X/XX/17 {$600.00} Company never contacted me about a debt. Placed on credit report, no contract with this company.
Improper use of your report	On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
Incorrect information on your report	I previously had a loan with XXXX XXXX XXXX. As part of a written agreement, the account was to be removed from all three credit bureaus. At this time Equifax is refusing to remove it even with proof that the account was to be removed by the financing company. I 've complained on Equifax with no results. I also provided the same letter mailed to me by such company and yet Equifax is the only Credit bureau still showing the false information.
Managing the loan or lease	Loan was a paid off and it is showing up on my credit report.
Written notification about debt	I have attempted to acquire validation of the debt the company is attempting to collect, however, the company has failed to provide the needed documentation. Despite not sending the documentation they have continued to report the information on my credit reports.
Dealing with my lender or servicer	Im constantly being thrown in forbearance not given the opportunity to do deferment my loans are too high im umemployed and i not given the correct Information. The customer service is horrible cant get no help.
Cont'd attempts collect debt not owed	I had a balance from XXXX and received a settlement letter. I paid the balance due to settle and now Enhanced Recovery has no documentation of the payment 1 year later and will not remove the balance from my credit report. I have called several times and tried to dispute but no results. I was told by the agency that the debt would be removed and that I will receive a proof of payment. I have not received any thing at this point.
Incorrect information on your report	Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.
Unable to get credit report/credit score	well now that Im on a computer where I can print my report from, I wanted to be able to view it so that Im able to print it out
Dealing with my lender or servicer	Cheating me out of my repayment rights. Reporting to have had defaulted my loans, also end up damaging my credit score. Also they are being sued also by federal government.
Incorrect information on credit report	Disputed aged out account showing last payment date XXXX/XXXX/06 ; and duplicate reporting by XXXX XXXX XXXX, showing Open Credit.
Loan modification,collection,foreclosure	this bank is taking my home to sale this bank will not give me a Loan Modification so now this bank is taking my home to sale
Charged fees or interest I didn't expect	calls more than 6 times a day sometimes automated sometimes a rep will call threatening phone calls.Advised Im I a non profit payment plan and still want me to make payments on the side.
Credit reporting company's investigation	I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to 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 have disputed. Please resolve this matter as soon as possible.
Charged fees or interest I didn't expect	I applied for this payday loan but the interes charges are too high. the amount I applied for was XXXX and they have been taking money from my back account every payday. I need help. the interest rate is XXXX % for a total of {$1600.00}. I think they are stealing from me. this is not supposed to be so high!! htey did not tell me that when they called me.
Cont'd attempts collect debt not owed	False Debt collection call to my wife that may cause identity theft. Asked for SS # and account in XXXX healthcare. From number XXXX XXXX XXXX XXXX on behalf of United Collection Bureaue They tried to enforce her to pay {$300.00} dept to XXXXp ( XXXX in XXXX 2015 ). I have checked my accounts with XXXX - no balances. Consider such calls as criminal activity collecting personal information and pulling money from people.
Incorrect information on credit report	I got a notice thru XXXX that I had opened a credit card XXXX XXXX with a limit of {$3000.00} and a 0 % utilization as of XX/XX/2016 and the card was supposedly issued on XXXX XXXX, 2016. I have not applied for any credit cards from XXXX and am not pleased that it has showed up on my Transunion and XXXX reports. Can you please investigate for me?
Cont'd attempts collect debt not owed	Trans World Systems is attempting to collect an alleged unsecured debt that 's past Pennsylvania State 's debt collection statutes of limitation and violation of the FCA.
Closing/Cancelling account	Closed account showing Open Credit.
Unable to get credit report/credit score	can not contact experian, requesting a credit report online gets to an 'unknown error ' page, and asking me to send them a letter by US postal service - seems like they do not provide a service that works for what is available in 2016, artificial impediments.
Loan modification,collection,foreclosure	I want to add this Motion of information I filed in Federal Bankruptcy Court to the following case # 's already in progress ... XXXX and XXXX for XXXX and JP Morgan Chase NA.
Improper contact or sharing of info	Called me at my office three times, after I specifically said I CAN NOT receive personal calls at work, on the third call actually acknowledged that she knew she could n't call me at work but she had no other option. Has not stated where she is calling from, just says it is regarding a medical bill. Does not state what company she is with or where the medical bill is from.
Communication tactics	this company has been constantly calling and harassing me even after asking them to stop. they call my cell phone and place of business. I have advised them to stop.
Closing your account	I noticed my credit card was not working so i called chase and they said the account has been closed but they could not tell me why. I tried calling a few times but got nowhere. I just received a letter saying they are closing both credit cards with them as well as my checking and savings account
Problem with a credit reporting company's investigation into an existing problem	I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX AUTO FINANCE
Struggling to pay your loan	XXXX KEEPS RUNNING BACKGROUND REPORTS ON MYBEHALF, AND GETTING ME DENIED FOR XXXX XXXX XXXX XXXX AND XXXX. ALL BECAUSE I HAD A XXXX XXXX CHARGE XX/XX/XXXX! IT WAS A XXXX. 4 YEARS AGO AND MY REPOSSESSION 4 MONTHS AFTER MY XXXX. BY THE WAY I COMPLETED 9 MONTH 'S OF XXXX AND 2 1/2 MONTHS XXXX XXXX XXXX AND ONE WEEK IN XXXX .... NOW IM BEING FINANCED THROUGH XXXX XXXX, FOR A NICE XXXX XXXX XXXX XXXX AND I JUST WANT TO XXXX XXXX ... ... .. ITS NOT THAT SERIOUS!!! COME ON
Improper use of your report	XXXX XXXX cred for {$260.00}. It was open on XXXX XXXX 2016. Do n't know what that is. Have no recollection of what that could be. Would like to dispute it. It 's an collection inquiry on my credit on transuinon.
Cont'd attempts collect debt not owed	Contacted IMC credit services via certified mail, receipt, asking about a debt that showed up on my credit report. I have no idea what the debt is. It 's been over 30 days and I have not heard anything back.
Problems when you are unable to pay	I was not aware that the company was charging me such a large amount to them, they made it out that they XXXX a month would be going to by student loans and not them. I was also not aware that this would show up on my credit account as a credit card.
Dealing with my lender or servicer	My XXXX student Loan was bought by Pioneer Recovery. They did not call, send a letter, or notify me in anyway that they would start garnishing my checks. My HR dept. at work notified me that my check would be short due to garnishment. I called and they told me that I would have to get information from the Dept of Education on what loan they are garnishing for. Now that they are garnishing they keep harassing me to sign up for their repayment program.
Incorrect information on credit report	the addresses is reporting incorrectly on my report i have no knowledge of these addresses other than my current residence. XXXX XXXX XXXX XXXX XXXX.this has been my address for 10 years
Account opening, closing, or management	A representative from XXXX called XXXX hung up on me when I tried to voice my concerns. Discover bank refused to service the account due to a business decision. I am tired of their nonsense. Please investigate them to the fullest extent. The FDIC contacted account holder and said it would escalate this claim further to the CFPB.
Attempts to collect debt not owed	This debt has been paid and is scheduled to be removed from my credit report in XX/XX/XXXX 2017. I am requesting that it be removed from all three major credit bureaus immediately as this negative account is hindering me from obtaining credit.
Improper contact or sharing of info	XXXX XXXX of North Star Locations Debt Collection, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.
Charged fees or interest you didn't expect	I got a title loan TitleMax, I noticed that making my payments of {$660.00} dollars monthly, only XXXX cents have gone to the principal. I called them to say it was a 17 % interest, but they said it 's daily interest. I told them it was going to be hard to pay off my loan if they have those fees, and they did not care. Is there a possibility for them to lower the interest? It 's killing my payments.
Incorrect information on credit report	I previously disputed the following addresses that do n't belong to me, but still is listed on my Experian credit report. The following addresses do n't belong to me : XXXX XXXX XXXX # XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX
False statements or representation	XXXX stated they never had this bill nor did I owe this amount
Customer service / Customer relations	I asked Sears/CBNA to remove me as an authorized user from an account and was told that I needed to talk to an X of mine as we are not on talking terms. I am not going to be held responsible. Sears basically said this is my own problem.
Credit reporting company's investigation	Trans Union Re-inserted Hard inquires onto my consumer report all within 1 weeks time after removing all of them in the first place. This was all done without proper notification and without basis. As such has adversely affect my credit score by making it go down and impairing my ability to refinance my car at the best terms.
Incorrect information on credit report	I have been disputing this company for months and frankly very very tired. Now I am trying to get a rental home and pay $ XXXX/month instead of {$2000.00} / month to live in a hotel room. I request that you please immediately delete and/or update immediately the incorrect balances as Equifax is defaming my name.
Other	i applied for a credit card and i got rejected beacause i have no credit historyif i dont have a credit card then how would i build up my credit history
Payoff process	Interest was charged on my account even though I had paid the bill in full and a full week before it was due.
Managing an account	Was denied retrieval of funds by bank rep/teller by XXXX XXXX XXXX . After asking if I could write down amount of withdrawal ( instead of verbalizing as she requested ) she became rude. She then proceeded to advise me that signature was a non-match. Thus would not be able to disperse me my funds. There is a hold on my debit card preventing me from properly generating use of my money.
Transaction issue	I have filed a credit card dispute regarding a health fitness charging my card after they have closed. I no longer have access to facilities but they are still charging my card manually. The phone number on credit card statement is no longer in service however the bank refuses to stop payment on the transactions and are forcing me to make payments even though the gym is no longer in business. The bank that I am having an issue with is Chase.
Late fee	BarclayUS has a cutoff time for XXXX for the mininmum amount due time. In the past 6 months they charged me late fees of {$25.00}, for the simple reason that I might get stuck in traffic. I am paid by my employer daily, I make XXXX an hour and i have no way to make the payment in the morning or before, my money being very tightly budgeted. This bank rips me off.
Communication tactics	they called XXXX times in 1 day, each time I answered I was put on hold and the machine hung me up. The XXXX time I made payment arrangement to mail/pay {$20.00} per month and she said that would be fine. The next day they called again and said they had not record of this arrangement. I was so angry that this is going to continue with these harassing phone calls daily. I intend to pay this bill and I do not want daily calls.
Incorrect information on your report	I reviewed my credit report and Ally has listed my XX/XX/XXXX payment as delinquent. My payment due date is the XXXX of each month and my XX/XX/XXXX payment was submitted on XX/XX/XXXX. It was not past due as indicated on my credit report.
Communication tactics	This company is leaving messages at my place of employment after telling them by phone to not call my place of employment because I could lose my job.The calls are still being made.My place XXXX employment tel. no. that I have asked them not to call is XXXX.
Account opening, closing, or management	I lost my wallet and all my bank card was in with my information that how my account was closed I did report and told then excate what I am telling now I should not be in the XXXX cause some one still my identity.
Dealing with your lender or servicer	File several recertification applications with FedLoan for my repayment program and all were rejected until the most recent one. Once the application was excepted it was placed on hold. Now a new bill has been issued and it is an amount 3X greater than usual. I can not get FedLoan to process my recertification application in a timely manner. I am endanger of defaulting.
Can't repay my loan	I called them to ask to consolidate my student loan and they placed a forbearance on my account that is not what I asked for
Improper contact or sharing of info	I contacted the collector and made arrangements to pay the debt he contact my work repeatedly, in the same hour. Then proceeded to contact people i havent spoken to in years on my XXXX account asking them to contact me and tell me to be home because im going to be served papers to go to court. All in less than XXXX hours of making payment arrangements.. that I called to make! this is harassing and embarrassing.
Problem with a credit reporting company's investigation into an existing problem	Called and disputed online on multiple occasions about fraudulent inquiries and an account from crest financial that is not mine and that i did not authorize.
Credit reporting company's investigation	Equifax classified a specific dispute as " fraud '' when I specifically said " outdated '' The items still remain on my report to date even though I have disputed time and time again. I believe they are going to flag my account as frivilous when I have only followed their guidelines. Their incompetence has hurt my ability to obtain an accurate credit report.
Incorrect information on credit report	XXXX department mistakenly filed a tax lien against me. I contacted them and they sent me a letter to send to XXXX, XXXX and Transunion credit bureaus telling them it was okay to delete the entry. XXXX deleted the entry about the tax lien, XXXX has not, saying its a legitimate debt.
Struggling to pay your loan	I have a monthly car note with XXXX XXXX XXXX of {$500.00} with a past due balance of {$980.00}. I would like full validation of the loan to prove I owe anything. And If it can not be proven to be paid in full.
Incorrect information on your report	I have an Inquire fro m Comenitycapital/ XXXX on XXXX XXXX ,2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.
Can't repay my loan	Payments are extremely high. Have n't been able to pay. I applied for IBR in XX/XX/XXXX. Did n't know I needed to annualy renew. Whenever I spoke to a representative they just suggest I do a forbearance. I didnt find out until XX/XX/XXXX that I was suppose to renew the IBR in XX/XX/XXXX. Now my loan is double the amount of what the orginal loan was for.
Incorrect information on your report	I have filed XXXX to Transunion, XXXX & XXXX XXXX have XXXX XXXX XXXX off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which XXXX XXXX, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all XXXX credit bureaus.
Fraud or scam	I sent {$210.00} thru money gram for a puppy and then XXXX XXXX told me to go to address to pick up puppy and the home I went to the people had no clue what was going on. I called money gram and filed a complaint and they told me to file a police report which I did and I have called 5 times and they wont give me no more info I then filed a dispute with my bank and money gram is denying that it was fraud. I asked who the person was that picked up money and they wont give me no info.
Account opening, closing, or management	Promised XXXX Citi ThankYou points ( valued at {$400.00} ) when opening a CitiXXXX Checking account and meeting certain requirements. Citi customer service has confirmed that I have met my requirements, and promised the points by the end of XXXX. I have not received my points. Online customer service representatives, contacted yesterday and today, were unable and unwilling to assist me.
Cont'd attempts collect debt not owed	This company continued to send debt collection documents for an individual that I do not know, to my property address, after I returned their mail. Please ask them to stop.
Improper use of your report	On XXXX XXXX and XXXX XXXX for some odd reason a company named XXXX XXXX XXXX XXXX XXXX XXXX , Tx XXXX had XXXX inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.
Problem with a credit reporting company's investigation into an existing problem	I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.
Incorrect information on your report	On my credit report, it shows I have an missing payment in XX/XX/2017 which I think is an technical error on bank system because for 2 years before and after that it's always been on time.
Loan servicing, payments, escrow account	My home loan was transferred to another lender which I have n't been notified yet
Incorrect information on credit report	Dear CFPB, I have tried to access my credit recently and was denied because EXPERIAN continues to report falsely a judgment item that the entity XXXX, XXXX did not validate as due and owing to I, XXXX XXXX XXXX. The item was deleted and then inserted back in by EXPERIAN.The entity XXXX, XXXX never responded to my complaint I made to my XXXX of NJ and EXPERIAN continues to report the item falsely hurting my creditworthiness.
Incorrect information on credit report	I seen my credit report with alot of things on there that are not my accounts
Shopping for a loan or lease	My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.
Problem with a credit reporting company's investigation into an existing problem	Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, XXXX XXXX and to Experian. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.
Dealing with my lender or servicer	When I was in college ( XXXX XXXX ) in 2007 my school told me to pulled private loans for me because they said I did not have enough money to finish. I should have had more then enough from the government. They took my loans to all these different banks and by the time they finished I owe money in transfer fees and the interest rate that they changed accrued on the loans. I NEED THE PRINCIPLE LOWERED. EVERY STUDENT IN DEBT NEEDS A LOWERED PRINCIPLE.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE
Application, originator, mortgage broker	CityWorth Mortgage refuse to give or sign the release form for my apprasial I have sent a formal letter of request which is enclosed in the documents and this company refuse to do it.
Improper use of your report	L2Inc/XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.
Cont'd attempts collect debt not owed	Debt is over 7yrs covered by statue Of limitations. Previously disputed on the XXXX credit bureaus. Debt dates back 1999
Billing disputes	XXXX XXXX, 2015To : Consumer Financial Protection Bureau XXXX XXXX XXXXSome one open a Credit Card with FORTIVA, dispute resolution, XXXX XXXX XXXX XXXX, XXXX XXXX with card # XXXX XXXX XXXX XXXX. I NEVER hold a Credit Card and I NEVER purchase goods or services. Some person use my personal information, this is fraudulent purpose. This report to your Bureau, Thank you for your attention the matter. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Fraud or scam	MY XXXX XXXX XXXX $ TO XXXX. THE POST OFFICE THERE GET INVOLVED IN A FRAUD. HE GAVE : XXXX XXXX $ INSTEAD OF XXXX . BECAUSE HE CLAIMED THERE IS FEW SPELLING ERROR WHICH IS CORRECT. I WANT TO COMPLAIN FOR THIS KIND OF FRAUD. THANKS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Managing the loan or lease	I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days late XX/XX/2015, XX/XX/2015

Loan modification,collection,foreclosure

FOR THE LAST 18 MONTHS WE HAVER REQUESTED A HARP LOANBASED ON OUR INCOME OR PRINCIPAL MODIFICATION. WE HAVE BEEN GIVE TRAIL MODIFICATIONS AT OVER {$4000.00} PER MONTH WE WANT TO HAVE A AFFORDABLE LOAN SINCE HOUSE IS VALUED LOWER THAN MORTGAGE LOAN

Using a debit or ATM card

I was charged three times by XXXX for a ticket I ordered once. I could not get a hold of anyone at Wells. XXXX people at XXXX, in particular XXXX, threatened to hang up on me despite XXXX rippingme off.

Managing an account

on XXXX XXXX i made a deposit of XXXX and it only credited it me for XXXX dollars

Taking out the loan or lease

My car is financed by Sandtander consumer USA for almost 3 years so I was thinking I have 1 more year to pay off my loan which is {$20000.00}. I recently tried to trade in my car and get a new car so I called and ask them how much of my loan is left to pay off, the manager told I still owe {$20000.00} on the car even though I have paid off over {$11000.00} for close to 3 years. They said the {$11000.00} plus that I have paid so far was all late fees

Incorrect information on credit report

On XXXX XXXX, 2016, I received a letter of denial from XXXX XXXX, OH, credit card application department ( REF : XXXX ) and the reason was due to " unable to verify identity information '' The application was made on XXXX XXXX, 2016, online. I never applied for this credit card. Thank you. XXXX XXXX XXXX

Received a loan you didn't apply for

On XXXX XXXX 2017 someone used my name to get a payday loan. I checked my credit report and I did not open that account that day.

Attempts to collect debt not owed

Previously sent two requests for validation of the debt. on two separate accounts. Midland never provided validation of either debt XXXX XXXX XXXX or XXXX ). Time has expired for Under the Fair Credit Reporting Act. They must remove the unverified reportings.

Incorrect information on credit report

Trans Union had a glitch in there system that violated the rights of their consumers under section 6.11. As a result I have be en gravely effected and my credit score is suffering as a result. No notice was ever given, with is also a violation. I am requesting that all inquiries be removed immediately.

Cont'd attempts collect debt not owed

My lawyer told me all my hospital bills were taken care of including this one when we settled with the other attorney when I was in a car accident. He said I had no more bills to be paid or be worried about. I dont know why after all theset years it 's still on there I have disputed it many times and other collection agencies pick it up but it has hurt my credit over time.

Trouble during payment process

Hunting Bank Paid from my escrow account a non bill insurance Declaration Page statement. putting my escrow in to a seriously negative balance.

Credit monitoring or identity protection

Stole my identity through fake emails

Loan servicing, payments, escrow account

My mortgage lender CitiMortgage is refusing to allow me online access to my mortgage account.

Attempts to collect debt not owed

I have not had an account with this company and has demanded " validation of Debt '' twice now. I did not enter into any contract with this company and has not received any documentation at all from them.

Dealing with my lender or servicer

I have repeatedly requested that all over payments get applied directly to principle, but my loan servicer, Nelnet, continually advances the due date. Then they tell me I do n't know how payments work. I then have to educate a willfully ignorant rep on how compound interest works, and advancing my due date is not in my best interest.

Attempts to collect debt not owed

Repeated calls ... MANY calls, all recordings, for our son, saying he needs to call them regarding his loans. Identified as Navient. 1 ) Our son has no debt with them, 2 ) he has n't lived here for years, and would never have used our phone number for anything like this. When he called the number they left, they then identify themselves as a student loan consolidator. We want these calls to stop.

Loan servicing, payments, escrow account

XXXX Chase mortgages have been resolved since 2009. They are currently reporting negatively 7 years later, the accounts have been paid and I am no longer responsible either accounts.

Improper use of your report

XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. XXXX has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.

Incorrect information on your report

Dear TransUnion, Please remove the following name from my report as it does not belong to me and is being reported in error : Wrong Name : XXXX XXXX. Attached you will find a copy of my state issued drivers license. I will wait for an updated copy of my credit FILE to reflect this change. Thank you in advance. Sincerely, XXXX XXXX.

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

Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.

Improper use of your report

My personal information was disclosed without my consent by Equifax.

Managing the loan or lease

My husband was transitioning into a new job and the car payment was simply forgotten. I was contacted about my payment and made the payment immediately. I had confirmation from the person that I spoke with that it would not be shown as a late payment and it would n't hurt my credit. This is hurting my credit and it is not benefiting me as a consumer. I really need this removed.

Incorrect information on your report

As of pulling my credit report recently I realized that Capital One credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.

Written notification about debt

X/XX/17 {$600.00} Company never contacted me about a debt. Placed on credit report, no contract with this company.

Improper use of your report

On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?

Incorrect information on your report

I previously had a loan with XXXX XXXX XXXX. As part of a written agreement, the account was to be removed from all three credit bureaus. At this time Equifax is refusing to remove it even with proof that the account was to be removed by the financing company. I 've complained on Equifax with no results. I also provided the same letter mailed to me by such company and yet Equifax is the only Credit bureau still showing the false information.

Managing the loan or lease

Loan was a paid off and it is showing up on my credit report.

Written notification about debt

I have attempted to acquire validation of the debt the company is attempting to collect, however, the company has failed to provide the needed documentation. Despite not sending the documentation they have continued to report the information on my credit reports.

Dealing with my lender or servicer

Im constantly being thrown in forbearance not given the opportunity to do deferment my loans are too high im umemployed and i not given the correct Information. The customer service is horrible cant get no help.

Cont'd attempts collect debt not owed

I had a balance from XXXX and received a settlement letter. I paid the balance due to settle and now Enhanced Recovery has no documentation of the payment 1 year later and will not remove the balance from my credit report. I have called several times and tried to dispute but no results. I was told by the agency that the debt would be removed and that I will receive a proof of payment. I have not received any thing at this point.

Incorrect information on your report

Court ordered to refinance because of a divorce. My ex wifes history of late payments makes my ability to purchase a house impossible.

Unable to get credit report/credit score

well now that Im on a computer where I can print my report from, I wanted to be able to view it so that Im able to print it out

Dealing with my lender or servicer

Cheating me out of my repayment rights. Reporting to have had defaulted my loans, also end up damaging my credit score. Also they are being sued also by federal government.

Incorrect information on credit report

Disputed aged out account showing last payment date XXXX/XXXX/06 ; and duplicate reporting by XXXX XXXX XXXX, showing Open Credit.

Loan modification,collection,foreclosure

this bank is taking my home to sale this bank will not give me a Loan Modification so now this bank is taking my home to sale

Charged fees or interest I didn't expect

calls more than 6 times a day sometimes automated sometimes a rep will call threatening phone calls.Advised Im I a non profit payment plan and still want me to make payments on the side.

Credit reporting company's investigation

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to 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 have disputed. Please resolve this matter as soon as possible.

Charged fees or interest I didn't expect

I applied for this payday loan but the interes charges are too high. the amount I applied for was XXXX and they have been taking money from my back account every payday. I need help. the interest rate is XXXX % for a total of {$1600.00}. I think they are stealing from me. this is not supposed to be so high!! htey did not tell me that when they called me.

Cont'd attempts collect debt not owed

False Debt collection call to my wife that may cause identity theft. Asked for SS # and account in XXXX healthcare. From number XXXX XXXX XXXX XXXX on behalf of United Collection Bureaue They tried to enforce her to pay {$300.00} dept to XXXXp ( XXXX in XXXX 2015 ). I have checked my accounts with XXXX - no balances. Consider such calls as criminal activity collecting personal information and pulling money from people.

Incorrect information on credit report

I got a notice thru XXXX that I had opened a credit card XXXX XXXX with a limit of {$3000.00} and a 0 % utilization as of XX/XX/2016 and the card was supposedly issued on XXXX XXXX, 2016. I have not applied for any credit cards from XXXX and am not pleased that it has showed up on my Transunion and XXXX reports. Can you please investigate for me?

Cont'd attempts collect debt not owed

Trans World Systems is attempting to collect an alleged unsecured debt that 's past Pennsylvania State 's debt collection statutes of limitation and violation of the FCA.

Closing/Cancelling account

Closed account showing Open Credit.

Unable to get credit report/credit score

can not contact experian, requesting a credit report online gets to an 'unknown error ' page, and asking me to send them a letter by US postal service - seems like they do not provide a service that works for what is available in 2016, artificial impediments.

Loan modification,collection,foreclosure

I want to add this Motion of information I filed in Federal Bankruptcy Court to the following case # 's already in progress ... XXXX and XXXX for XXXX and JP Morgan Chase NA.

Improper contact or sharing of info

Called me at my office three times, after I specifically said I CAN NOT receive personal calls at work, on the third call actually acknowledged that she knew she could n't call me at work but she had no other option. Has not stated where she is calling from, just says it is regarding a medical bill. Does not state what company she is with or where the medical bill is from.

Communication tactics

this company has been constantly calling and harassing me even after asking them to stop. they call my cell phone and place of business. I have advised them to stop.

Closing your account

I noticed my credit card was not working so i called chase and they said the account has been closed but they could not tell me why. I tried calling a few times but got nowhere. I just received a letter saying they are closing both credit cards with them as well as my checking and savings account

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

I am a victim of negative inquiries. I have XXXX negative inquiries on my credit. I talked and wrote letters to each of the companies and no action was done. And customer service would not help me. I would like for the following XXXX to be removed from my credit report please : XXXX XXXX, XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX FIFTH THIRD BANK XXXX XXXX BANK XXXX XXXX XXXX XXXX AUTO FINANCE

Struggling to pay your loan

XXXX KEEPS RUNNING BACKGROUND REPORTS ON MYBEHALF, AND GETTING ME DENIED FOR XXXX XXXX XXXX XXXX AND XXXX. ALL BECAUSE I HAD A XXXX XXXX CHARGE XX/XX/XXXX! IT WAS A XXXX. 4 YEARS AGO AND MY REPOSSESSION 4 MONTHS AFTER MY XXXX. BY THE WAY I COMPLETED 9 MONTH 'S OF XXXX AND 2 1/2 MONTHS XXXX XXXX XXXX AND ONE WEEK IN XXXX .... NOW IM BEING FINANCED THROUGH XXXX XXXX, FOR A NICE XXXX XXXX XXXX XXXX AND I JUST WANT TO XXXX XXXX ... ... .. ITS NOT THAT SERIOUS!!! COME ON

Improper use of your report

XXXX XXXX cred for {$260.00}. It was open on XXXX XXXX 2016. Do n't know what that is. Have no recollection of what that could be. Would like to dispute it. It 's an collection inquiry on my credit on transuinon.

Cont'd attempts collect debt not owed

Contacted IMC credit services via certified mail, receipt, asking about a debt that showed up on my credit report. I have no idea what the debt is. It 's been over 30 days and I have not heard anything back.

Problems when you are unable to pay

I was not aware that the company was charging me such a large amount to them, they made it out that they XXXX a month would be going to by student loans and not them. I was also not aware that this would show up on my credit account as a credit card.

Dealing with my lender or servicer

My XXXX student Loan was bought by Pioneer Recovery. They did not call, send a letter, or notify me in anyway that they would start garnishing my checks. My HR dept. at work notified me that my check would be short due to garnishment. I called and they told me that I would have to get information from the Dept of Education on what loan they are garnishing for. Now that they are garnishing they keep harassing me to sign up for their repayment program.

Incorrect information on credit report

the addresses is reporting incorrectly on my report i have no knowledge of these addresses other than my current residence. XXXX XXXX XXXX XXXX XXXX.this has been my address for 10 years

Account opening, closing, or management

A representative from XXXX called XXXX hung up on me when I tried to voice my concerns. Discover bank refused to service the account due to a business decision. I am tired of their nonsense. Please investigate them to the fullest extent. The FDIC contacted account holder and said it would escalate this claim further to the CFPB.

Attempts to collect debt not owed

This debt has been paid and is scheduled to be removed from my credit report in XX/XX/XXXX 2017. I am requesting that it be removed from all three major credit bureaus immediately as this negative account is hindering me from obtaining credit.

Improper contact or sharing of info

XXXX XXXX of North Star Locations Debt Collection, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.

Charged fees or interest you didn't expect

I got a title loan TitleMax, I noticed that making my payments of {$660.00} dollars monthly, only XXXX cents have gone to the principal. I called them to say it was a 17 % interest, but they said it 's daily interest. I told them it was going to be hard to pay off my loan if they have those fees, and they did not care. Is there a possibility for them to lower the interest? It 's killing my payments.

Incorrect information on credit report

I previously disputed the following addresses that do n't belong to me, but still is listed on my Experian credit report. The following addresses do n't belong to me : XXXX XXXX XXXX # XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX XXXX XXXX, XXXX XXXX, MN XXXX

False statements or representation

XXXX stated they never had this bill nor did I owe this amount

Customer service / Customer relations

I asked Sears/CBNA to remove me as an authorized user from an account and was told that I needed to talk to an X of mine as we are not on talking terms. I am not going to be held responsible. Sears basically said this is my own problem.

Credit reporting company's investigation

Trans Union Re-inserted Hard inquires onto my consumer report all within 1 weeks time after removing all of them in the first place. This was all done without proper notification and without basis. As such has adversely affect my credit score by making it go down and impairing my ability to refinance my car at the best terms.

Incorrect information on credit report

I have been disputing this company for months and frankly very very tired. Now I am trying to get a rental home and pay $ XXXX/month instead of {$2000.00} / month to live in a hotel room. I request that you please immediately delete and/or update immediately the incorrect balances as Equifax is defaming my name.

Other

i applied for a credit card and i got rejected beacause i have no credit historyif i dont have a credit card then how would i build up my credit history

Payoff process

Interest was charged on my account even though I had paid the bill in full and a full week before it was due.

Managing an account

Was denied retrieval of funds by bank rep/teller by XXXX XXXX XXXX . After asking if I could write down amount of withdrawal ( instead of verbalizing as she requested ) she became rude. She then proceeded to advise me that signature was a non-match. Thus would not be able to disperse me my funds. There is a hold on my debit card preventing me from properly generating use of my money.

Transaction issue

I have filed a credit card dispute regarding a health fitness charging my card after they have closed. I no longer have access to facilities but they are still charging my card manually. The phone number on credit card statement is no longer in service however the bank refuses to stop payment on the transactions and are forcing me to make payments even though the gym is no longer in business. The bank that I am having an issue with is Chase.

Late fee

BarclayUS has a cutoff time for XXXX for the mininmum amount due time. In the past 6 months they charged me late fees of {$25.00}, for the simple reason that I might get stuck in traffic. I am paid by my employer daily, I make XXXX an hour and i have no way to make the payment in the morning or before, my money being very tightly budgeted. This bank rips me off.

Communication tactics

they called XXXX times in 1 day, each time I answered I was put on hold and the machine hung me up. The XXXX time I made payment arrangement to mail/pay {$20.00} per month and she said that would be fine. The next day they called again and said they had not record of this arrangement. I was so angry that this is going to continue with these harassing phone calls daily. I intend to pay this bill and I do not want daily calls.

Incorrect information on your report

I reviewed my credit report and Ally has listed my XX/XX/XXXX payment as delinquent. My payment due date is the XXXX of each month and my XX/XX/XXXX payment was submitted on XX/XX/XXXX. It was not past due as indicated on my credit report.

Communication tactics

This company is leaving messages at my place of employment after telling them by phone to not call my place of employment because I could lose my job.The calls are still being made.My place XXXX employment tel. no. that I have asked them not to call is XXXX.

Account opening, closing, or management

I lost my wallet and all my bank card was in with my information that how my account was closed I did report and told then excate what I am telling now I should not be in the XXXX cause some one still my identity.

Dealing with your lender or servicer

File several recertification applications with FedLoan for my repayment program and all were rejected until the most recent one. Once the application was excepted it was placed on hold. Now a new bill has been issued and it is an amount 3X greater than usual. I can not get FedLoan to process my recertification application in a timely manner. I am endanger of defaulting.

Can't repay my loan

I called them to ask to consolidate my student loan and they placed a forbearance on my account that is not what I asked for

Improper contact or sharing of info

I contacted the collector and made arrangements to pay the debt he contact my work repeatedly, in the same hour. Then proceeded to contact people i havent spoken to in years on my XXXX account asking them to contact me and tell me to be home because im going to be served papers to go to court. All in less than XXXX hours of making payment arrangements.. that I called to make! this is harassing and embarrassing.

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

Called and disputed online on multiple occasions about fraudulent inquiries and an account from crest financial that is not mine and that i did not authorize.

Credit reporting company's investigation

Equifax classified a specific dispute as " fraud '' when I specifically said " outdated '' The items still remain on my report to date even though I have disputed time and time again. I believe they are going to flag my account as frivilous when I have only followed their guidelines. Their incompetence has hurt my ability to obtain an accurate credit report.

Incorrect information on credit report

XXXX department mistakenly filed a tax lien against me. I contacted them and they sent me a letter to send to XXXX, XXXX and Transunion credit bureaus telling them it was okay to delete the entry. XXXX deleted the entry about the tax lien, XXXX has not, saying its a legitimate debt.

Struggling to pay your loan

I have a monthly car note with XXXX XXXX XXXX of {$500.00} with a past due balance of {$980.00}. I would like full validation of the loan to prove I owe anything. And If it can not be proven to be paid in full.

Incorrect information on your report

I have an Inquire fro m Comenitycapital/ XXXX on XXXX XXXX ,2016 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score.

Can't repay my loan

Payments are extremely high. Have n't been able to pay. I applied for IBR in XX/XX/XXXX. Did n't know I needed to annualy renew. Whenever I spoke to a representative they just suggest I do a forbearance. I didnt find out until XX/XX/XXXX that I was suppose to renew the IBR in XX/XX/XXXX. Now my loan is double the amount of what the orginal loan was for.

Incorrect information on your report

I have filed XXXX to Transunion, XXXX & XXXX XXXX have XXXX XXXX XXXX off my credit report alone with the address XXXX XXXX XXXX XXXX La XXXX which XXXX XXXX, there is fraud alerts placed on each bureau still no changes & it 's affecting me. Can you please investigate and have this removed from all XXXX credit bureaus.

Fraud or scam

I sent {$210.00} thru money gram for a puppy and then XXXX XXXX told me to go to address to pick up puppy and the home I went to the people had no clue what was going on. I called money gram and filed a complaint and they told me to file a police report which I did and I have called 5 times and they wont give me no more info I then filed a dispute with my bank and money gram is denying that it was fraud. I asked who the person was that picked up money and they wont give me no info.

Account opening, closing, or management

Promised XXXX Citi ThankYou points ( valued at {$400.00} ) when opening a CitiXXXX Checking account and meeting certain requirements. Citi customer service has confirmed that I have met my requirements, and promised the points by the end of XXXX. I have not received my points. Online customer service representatives, contacted yesterday and today, were unable and unwilling to assist me.

Cont'd attempts collect debt not owed

This company continued to send debt collection documents for an individual that I do not know, to my property address, after I returned their mail. Please ask them to stop.

Improper use of your report

On XXXX XXXX and XXXX XXXX for some odd reason a company named XXXX XXXX XXXX XXXX XXXX XXXX , Tx XXXX had XXXX inquiries on my credit report without my consent. I did not authorize this or sign any application and if they said I did I would like for them to provide me proof.

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

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : Capital One Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

Incorrect information on your report

On my credit report, it shows I have an missing payment in XX/XX/2017 which I think is an technical error on bank system because for 2 years before and after that it's always been on time.

Loan servicing, payments, escrow account

My home loan was transferred to another lender which I have n't been notified yet

Incorrect information on credit report

Dear CFPB, I have tried to access my credit recently and was denied because EXPERIAN continues to report falsely a judgment item that the entity XXXX, XXXX did not validate as due and owing to I, XXXX XXXX XXXX. The item was deleted and then inserted back in by EXPERIAN.The entity XXXX, XXXX never responded to my complaint I made to my XXXX of NJ and EXPERIAN continues to report the item falsely hurting my creditworthiness.

Incorrect information on credit report

I seen my credit report with alot of things on there that are not my accounts

Shopping for a loan or lease

My wife and I were shopping for cars. At each dealer they ran a credit report before we could consider an offer. Now XXXX of my credit inquaries are from dealer car shopping. I was told My credit is down graded because of all these inquaries. It is my understanding that all of these inquires should be counted as XXXX.

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

Disputes were submitted on XXXX/XXXX/XXXX - XXXX/XXXX/XXXX - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX to XXXX, XXXX XXXX and to Experian. The lack of communication these agencies give is utterly ridiculous. As a consumer, it is my right to dispute inaccuracies on my credit files, in which I have. However, these agencies have violated the Fair Credit Act by not responding to my concerns.

Dealing with my lender or servicer

When I was in college ( XXXX XXXX ) in 2007 my school told me to pulled private loans for me because they said I did not have enough money to finish. I should have had more then enough from the government. They took my loans to all these different banks and by the time they finished I owe money in transfer fees and the interest rate that they changed accrued on the loans. I NEED THE PRINCIPLE LOWERED. EVERY STUDENT IN DEBT NEEDS A LOWERED PRINCIPLE.

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

XXXX XXXX XXXX AKA XXXX XXXX XXXX FOR A YEAR NOW HAS BEEN REPORTING DUPLICATION ON SAME ACCOUNT ON MY CREDIT REPORT. I ASKED FOR LICENSE NUMBER STATE RIGHTS FOR CLAIMING IN MY STATE. I ALSO WANTED VALIDATION OF THE DEBT REPORTING IN WRITING AS WELL ONLINE AND HAS NOT RECEIVED ANYTHING FROM COMPANY. THIS SAME DEBT CONTINUES TO BE REMOVED AND ADDED BACK OR REPORTING AGENCIES NAME CHANGE

Application, originator, mortgage broker

CityWorth Mortgage refuse to give or sign the release form for my apprasial I have sent a formal letter of request which is enclosed in the documents and this company refuse to do it.

Improper use of your report

L2Inc/XXXX XXXX retail had pulled an inquiry on XXXX/XXXX/XXXX without permissible use or authorization by me. They so not have permissible purposevti access my credit file. There is no proven valid need as defined under FCRA, and they can not show an agreement between end user and I.

Cont'd attempts collect debt not owed

Debt is over 7yrs covered by statue Of limitations. Previously disputed on the XXXX credit bureaus. Debt dates back 1999

Billing disputes

XXXX XXXX, 2015To : Consumer Financial Protection Bureau XXXX XXXX XXXXSome one open a Credit Card with FORTIVA, dispute resolution, XXXX XXXX XXXX XXXX, XXXX XXXX with card # XXXX XXXX XXXX XXXX. I NEVER hold a Credit Card and I NEVER purchase goods or services. Some person use my personal information, this is fraudulent purpose. This report to your Bureau, Thank you for your attention the matter. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Fraud or scam

MY XXXX XXXX XXXX $ TO XXXX. THE POST OFFICE THERE GET INVOLVED IN A FRAUD. HE GAVE : XXXX XXXX $ INSTEAD OF XXXX . BECAUSE HE CLAIMED THERE IS FEW SPELLING ERROR WHICH IS CORRECT. I WANT TO COMPLAIN FOR THIS KIND OF FRAUD. THANKS XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Managing the loan or lease

I was shocked when I reviewed my credit report and found several late payments on the dates below : 30 days late XX/XX/2015, XX/XX/2015