determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	Wells Fargo Dealer Services in XXXX CA has reported incorrect late payment information on a vehicle my mother and I purchased. At the end of 2016 we refinanced the truck through our credit union XXXX. The same month the truck was paid off Wells Fargo said the payment was late. The credit union made the truck payoff before any late payment could even be assessed. I confirmed this with XXXX and with Wells but they have not responded to my inquires.
Incorrect information on credit report	I mailed out multiple letters to Equifax stating a XXXX mortgage is reporting o my credit report. There is no activity on this account in XX/XX/XXXX or XX/XX/XXXX. I want it removed from my credit profile. I do not live in TN. XXXX XXXX
Incorrect information on credit report	hi I want to inform you I had credit card with XXXX after that I decided to close this account for many reasons:1- my XXXX decrease 2- I was unable to pay on time so the bank charged me high interest 3- I called the collection agency phone number:XXXX several times in order to fix the problem and get agreement monthly payment but I do n't get any right response until right now.
Problem with customer service	Trying to invest in XXXX currency wont let me
Account opening, closing, or management	My mortgage account I owed XXXX in XXXX XXXX I paid {$8800.00} in XXXX XXXX. And they are saying I owe XXXX.And in XXXX XXXX the statement says I owe XXXX. Then they charged me a late fee for what I paid my mortgage for a year ... .Wells Fargo Bank ....
False statements or representation	I have no idea what ERC is
Money was not available when promised	On XXXX XXXX, XXXX I made ACH money transfer from XXXX to my checking bank account, and payout was estimated to take place on XXXX XXXX, XXXX. Although Transfer status in XXXX showing ( Complete ), I have not received anything yet!. I tired to contacted customer support multiple times through ticket opening but have not received any response!
Credit reporting company's investigation	Credit Bureau failed to comply with my FCRA section 609 ( a ) ( 1 ) request by not providing the requested information. I sent a letter clearly outlining my request with appropriate proof of identification and payment for consumer disclosure ( please see attached ).
Took or threatened to take negative or legal action	NCB Management Services , Inc. sent me a legal document stating that I am being sued. I have no signed contract with this company.
Unable to get credit report/credit score	ALL XXXX AGENCIES GIVING ME THE RUN AROUND SO THAT ILL EITHER PAY FOR MY FREE REPORT OR USE THE POSTAL SERVICE SO THAT I MAY NOT PROCEED WITH MY DISPUTES ON MY REPORTS..XXXX ARE SAYING I HAVE ALREADY RECEIVED MY FREE REPORT WHILE ANOTHER ASKS SECURITY QUESTIONS THAT ARENT CORRECT AND WHEN I ANSWER " NONE OF THE ABOVE '' IT SAYS TO MAIL IN ALL TYPES OF VERIFIABLE ID..IN HOPES I WONT PERSUE IT..
Disclosure verification of debt	Garnished for {$2200.00} but no record of any account with that amount due.
Loan modification,collection,foreclosure	The lender is refusing to review the clients loss mitigation package because it was submitted by a 3rd party on the clients behalf - It should not matter where the package was submitted from - the lender should review the client for all options when a full loss mitt package is submitted.
Closing/Cancelling account	synchrony bank previously GE Bank have several accounts under my name wen I got XXXX thi banking intitution cancel all my card protection program not to mention they close All my credit card in good standing just because I I 'm XXXX thi is a direct violation not only to CFRA BUT MY AMERICAN XXXX ACT I NEED THE CFPB TO INVESTIGATE ALL ILLEGAL PRACTICE FROM synchrony bank TO SEE HOW MANY OTHE XXXX CONSUMERS HAS GONE TRUE THE SAME VIOLATION
False statements or representation	I have been disputing my credit for quite some time and this one was never appeared before. Attached is a copy of a Experian page showing a collection agency.
Written notification about debt	XXXX XXXX Citizens Bank Account # XXXX Overdraft line of credit. Primary account has been charged off. It seems like late fees keep getting added on, but when I ask for statements I ca n't get them. The principal never gets paid off. <P/> I contacted the company, and they said that since I do n't have an account with them, I ca n't get a statement from them.
Shopping for a loan or lease	I submitted a complaint in XXXX for Clear One Advantage, my case number is XXXX, their response to my complaint was that they would send me my fees which was around {$700.00} ( a little more ), and I have never received my fees back. So my complaint this time is this company does not know the truth, if they had no intentions of giving me my money back they should n't have said they would in their response.
Fees or interest	THE HOME DEPOT DECREASED MY CREDIT LIMIT AND THEN CHARGED ME AN OVER LIMIT FEE ON MY BALANCE I HAVE WRITTEN THEM SEVERAL LETTERS AND THEY FAILED TO ANSWER SO I WROTE ANOTHER LETTER STATING I WAS CLOSING MY ACCOUNT AS THEY DID NOT RESPOND TO MY LETTERS.I CUT THE CARD UP AND SENT IT TO THEM AND THEN THEY CHARGED ME ANOTHER OVER LIMIT FEE
Incorrect information on your report	I do not have a contract with XXXX Fed. On XXXX on or around XXXX it was removed from my credit report and then replaced with out a notice stating that it was going to be replaced via transunion.
Problem with a lender or other company charging your account	I utilized coinbase to purchase crypto currency in the process I was charged the legitimate amount but then charged again the same amount. I paid a total of {$850.00} and the company withdrew {$1700.00} from my account resulting in me having to transfer money right away last minute. I am now left unable to pay for upcoming bills that are due.
Managing the loan or lease	I wanted to make an additional payment toward my loan to reduce the already high interest in the amount of XXXX dollars and was told by XXXX that I could not make any additional payments below a certain amount on the loan. Check city then took my payment and lowered my first payment and when I looked at the invoice the reciept shows I only paid XXXX toward fees when it should have gone toward principle because it was an additional payment.
Cont'd attempts collect debt not owed	I have requested information from National Credit System and the original creditor ( XXXX Company ) about the alleged debt but they will not answer my many request. They want let me know when they released the apartment and as stated in my many request I moved out and gave them notice as required by my lease and they continue to try to collect on a debt I dont owe and the alleged debt is past the SOL XXXX.
Can't repay my loan	We set up payment for interest payment only for one loan and paid over every month. The extra money paid to the loan was not applied to the principal, it was applied to the monthly payment. We also called to get the two loans consolidated so that the payment would be lower. They said that we could not do that. I also asked about reducing the payments and they also said that they could not do that either.
Cont'd attempts collect debt not owed	We owed XXXX XXXX dollars, we sent them the payment and the check was cashed. The collection company TRANSWORLD SYSTEMS INC, is still sending the collection letters. I tried to contact them by phone and their web site and they do not respond. This is an abuse and I am afraid that they can ruin my credit for something I have already paid
Fraud or scam	I gave my mon-ey to JPMorgan Chase bankand asked ifthey could getit to therecipient inXXXX. Theysaid couldhandle it, andthat theywould takecare of it. Money nevergot to the beneficiary in the bank inXXXX! If I had n't been confident ofthe bank assuring methat they couldwire my moneyto XXXX, andthat thebeneficiaryin XXXX would get the moneyI would nothave givenJPMorganChase mymoney!
Cont'd attempts collect debt not owed	I have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
Cont'd attempts collect debt not owed	this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.
Attempts to collect debt not owed	The medical debt appeared on my credit. No wriiten notification- for {$100.00}. The debt has been PAID with the original credit XXXX XXXX -
Incorrect information on your report	There is an error on my credit report from XXXX XXXX XXXX XXXX . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number XXXX
Struggling to repay your loan	My initial disbursement was XXXX on XX/XX/XXXX. The balance remaining is XXXX as of XX/XX/XXXX, which at this time I stopped paying. The lender is navient which then was turned over to XXXX XXXX XXXX. Over the 8 years I have paid XXXX towards this loan, why do I not see a decrease in the amount? furthermore, it is on a 6.75 fixed rate which doesnt show it being fixed on my account history. The interest amounts vary each month.
Attempts to collect debt not owed	I included my debt to Speedy cash in the amount of XXXX dollars in my Bankruptcy which was filed in XX/XX/XXXX. My case number is XXXX, my attorney is XXXX XXXX XXXX. All debts owed to Speedy Cash were included in the bankruptcy yet Speedy Cash refuses to list the debt as discharged or closed. As of XX/XX/XXXX it is still on my credit.
Communication tactics	On a given day I could get 10+ calls from Allied Interstate. I pick up, they hang up on me, or when I do get someone they do n't speak English and demand I pay my debt. I have asked them not to call repeatedly through out the day, and they continue to call.
Managing the loan or lease	I have requested a payoff balance from my lender. They have quoted me a price higher than the total loan, ( including finance fees ). I have asked for a quote for payoff three times and have received the same response. I have requested that my payment be placed on the principal for 6 months and this has not been done. I owe less than the total finance charges and would like to pay off my car minus the finance fees but I am being told that I ca n't do that.
Cont'd attempts collect debt not owed	I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
Trouble during payment process	I am trying to get a hold of US Bank Home Mor tgage Customer service. They put me on hold and the line went dead. They are making it impossible to actually speak to a customer service representative regarding payment arrangements.
Incorrect information on credit report	TransUnion is reporting XXXX XXXX XXXX accounts the do not belong to me. I filed a police report and sent it to them as well as sent them a notarized affidavit along with Section 605 ( b ) which requires them to block all documented fraudulent items. They refused to remove those fraudulent items. I contacted XXXX XXXX they told me that they released those items and to see TransUnion about it. TransUnion continues to ignore my request.
Account opening, closing, or management	I was charged XXXX balance transfer fees of {$420.00} and {$60.00} in separate instances, and these fees are unauthorized because I did not receive a letter of disclosure or any type of information stating that I would be charged for using the balance transfer checks. Bank of America is forcing me to pay {$480.00}, which I will not pay. Requesting your assistance in resolving this matter. Thank you.
Struggling to pay your loan	I have lost my source of income and paying back amount is extremely difficult to payback. Company refuses to negotiate or lower payments.
Loan servicing, payments, escrow account	My XXXX mortgage was transferred to Specialized Loan Servicing LLC earlier this year. I have been making my payments on time and in full to both companies since the loan was started. However I keep receiving letters from Specialized Loan Servicing LLC that I am delinquent on my payments. They have been sending me these letters since they have taken over the loan. I have had my attorney contact them but I still receive these delinquency letters.
Taking out the loan or lease	I have a vehicle loan that shows on my credit report from CarFinancewhich constantly reports me late and now show repossession. Also Myloan amount was for {$23000.00} and I have paid 20 payments at $ XXXX/mowhich is {$10000.00} and CarFinance is telling me that my balance is {$25000.00}. REALLY??? In addition, I have a letter from XXXX stating thatthey will remove the item from my credit but they are useless as well.
Incorrect information on credit report	Recently noticed inquiries removed and then reinserted to my credit report NO NOTICE WAS GIVEN and this is a violation of my fair credit reporting rights ... the inquiries are XXXX, XXXX and XXXX
Incorrect information on your report	Id theft victim XXXX XXXX police report number XXXX
Deposits and withdrawals	I was scammed out a get money quick theme. He needed money sent to him through XXXX took nothing from me but the check was fraud and now I owe XXXX I have the number for the person he wo n't answer I called XXXX but I want my money back now. This is stressful
Incorrect information on credit report	I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit profile. These inquiries were done without my knowledge, authorization, consent and or signature.
Incorrect information on your report	The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address
Dealing with your lender or servicer	Was told entire payoff amount and deadline. Sent payment in full. Was called back by agency and told i still owed money beyond the payoff. That the agreed to amount was not approved Trying to charge me thousands more.
Dealing with my lender or servicer	Navient failed to inform me of income driven option for nearly 5 years, pushing me toward forbearance, which added thousands in interest being added to my loan. Also there is a {$60000.00} jump added to my loan in one lump sum!? Navient refuses to explain why an additional $ XXXX was added to my loan, failed to inform me about income driven and continues to add interest, -and compound it. Thank you for your assistance. How do we become apart of the lawsuit?
Incorrect information on credit report	XXXX has reported to Equifax that we opened an new account. We have not opened any new mortgage account. Our mortgage was with XXXX/XXXX which dept is paid satisfied and paid in full. Which XXXX was faxed and mailed several time. An investigation into the matter was all ready done and XXXX was supposed to have been removed and blocked from my credit report
Incorrect information on credit report	I recently got a mortgage and now I have numurous hard inquries on my credit reports. I have talked with both transition and XXXX about an account from XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX
Problem with a credit reporting company's investigation into an existing problem	I owe to XXXX XXXX XXXX and diversified consultant bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was 2015
Other	Macy 's called my ex-husband regarding my Macy 's credit card account. I have never given them his phone number or permission to contact him regarding my account. They have all of my contact information and they did not attempt to contact me at all. I do n't want my ex having information about my accounts. Do I have any recourse?
Communication tactics	Threatened wage garnishment for a loan that is not in default.
Took or threatened to take negative or legal action	Portfolio Recovery Associates hired XXXX, XXXX, XXXX XXXX, XXXX to sue me for an alleged debt in the amount of {$1100.00}. They never served me and obtained a default judgement against me to garnish my wages. I have asked PRA & their law firm to drop the suit because they never served me with the lawsuit or provided me with any viable evidence, bearing my signature. They have yet to cooperate with me.
Incorrect information on your report	Disputed with credit beareu serveral times
Incorrect information on your report	identidy theft i reported it descrefencies in my experian credit report and hard inquireis i did not apply for any credit.
Credit reporting company's investigation	it has been more than 30 day that i send out a letter disputing wrong information on my report and I have not received anything as im writing this complain on XXXX/XXXX/16
Unauthorized transactions/trans. issues	I reported fraudulent activity to Amex on my prepaid card which they assured me they would thoroughly investigate and would send me a new card. Less than 24 hours later I got a notice by email that the dispute was determined to be a valid charge and that I had violated the member terms and conditions so they were suspending my account.
Unable to get credit report/credit score	My social security number was stolen along with my tax records.
Incorrect information on credit report	my disputed bill with att phone compagny was paid in amount of XXXX $ but the collection company added another amount that i am not aware about and now it showing in my credit report as a negative itemes
Problem with a credit reporting company's investigation into an existing problem	After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX credit file and find that my personal information was breached.
Took or threatened to take negative or legal action	XXXX calls me and tells me where she is from and states that she is calling to collect a debt. She states " You have XXXX hours to call me back or I will send an arrest warrant to your home or workplace. ''
Can't contact lender	Received email from lender stating that they were going to sue me and inform my employer and I was only 2 days late. Here are their words : " Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. ''
Incorrect information on credit report	Old debt listed as new debt ; " XXXX '' listed twice on Experian credit report XX/XX/XXXX and XX/XX/XXXX ; Per letter dated XXXX XXXX investigated my inquiry and determined no changes were needed. I also asked the company for the status of the account and a response was not given. I 've sent XXXX letters requesting an update to the credit report regarding the XXXX Charge Off 's listed on my credit report.
Attempts to collect debt not owed	Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.
Incorrect information on credit report	A paid account sent to collections, which was paid on time as soon as i received the bill. I have a copy of the payment, signature of management team approving my payment, also have the stub of the money order which was used to make the payment. Been to the manager twice and was told it would be rectified, but still showing in collections preventing me from renting apartment. i need this removed asap before i have no place to stay until it gets cleared.
Cont'd attempts collect debt not owed	An account is on my credit report that I do n't know what it is it 's hurting my credit and they do n't have proof that this account is mine
Improper contact or sharing of info	On or about XXXX XXXX, 2016, XXXX XXXX of Premium Asset Services , LLC called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " JAG '' and have my wages garnished if I did n't pay the debt.
Incorrect information on your report	When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.
Incorrect information on your report	My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.
Using a debit or ATM card	PayPal Debit card denies transactions on a regular basis in spite of there being a large balance in the account. These issues may only be resolved via telephone service where it is impossible to to reach a representative without a wait of 1 hour or more ( most mondays NOT AT ALL ). This substandard business practice is a disservice to Patrons and PayPal Debit Card employees alike.
Improper use of your report	I woke up this morning and had an alert from experian that XXXX had run my credit and placed an inquiry on my report today XX/XX/XXXX when in fact I never applied for a card. Please look into this and ask XXXX what the address was that was used. I did not ask XXXX to run my social. This is fraudulent.
Credit reporting company's investigation	There are XXXX accounts that are listed on Equifax report ; neither of which belong to me. Also a child custody late reporting is on my report also ( I have never been late ). I have requested an investigation x XXXX with no information provided to confirm these accounts belong to me. I have provided documentation.
Money was not available when promised	PayPal is holding my funds for over five months.
Using a debit or ATM card	I had a debit card only account with Chase and it was impossible for me to have insufficient funds in my account.
Incorrect information on credit report	Paid off an account with XXXX XXXX listed in collections about two months ago, but it 's still listed as outstanding.
Improper use of your report	i have unathorized credit inquires on all 3 credit report agengencys XXXX transunion and XXXX
Incorrect information on your report	My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.
Cont'd attempts collect debt not owed	THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
Customer service / Customer relations	My Bank of America credit card was always paid on time and paid in full yet the stated late payments and I settled with them which is false.
Cont'd attempts collect debt not owed	I received a letter regarding a previous debt that I have already taken care of. When called the collection agency and gave my account number and name to correct the issue, they hung up on me. This debt has already been paid for and i have try 'd multiple times to call them and all they do is hang up on me as soon as i give my name and account number.
Incorrect information on credit report	I filed for Chapter XXXX bankruptcy in 2009. The bankruptcy was dismissed. I desperately need a new roof, but I can not get approved for a loan due to the above. I believe it should be removed from my credit report since it was dismissed.
False statements or representation	I opened a Sears MasterCard account with Sears on XX/XX/XXXX and enrolled in their Debitcare debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.
Incorrect information on credit report	Wrong personal information on credit report
Struggling to pay mortgage	IN CASE CFPB # XXXX YOU PROVIDE A JOINT ANSWER CHASE AND XXXX XXXX. YOU BRIEFLY MENTION WITHOUT EXPLAINING " CURRENT OWNER ''. ONE QUESTION, DID XXXX XXXX PURCHASE XXXX XXXX XXXX FROM YOU ON X/XX/2009 FOR XXXX? XXXX # XXXX
Incorrect information on credit report	Notice an paid in full but still open account on my credit report. Called company handling the account and asked if they could send in a request for deletion from my credit report and was given the run around and told that they couldnt do that twice and hung up on once.
Improper use of my credit report	in 2015 I went to buy a car and I inquired the credit often without my permission, I request the removal thereof. these reports are in TransUnion, XXXX, XXXX
Getting a loan	Every month I receive from XXXX an invitation to lower the cost of my student debt : " We 've missed you! '' Simply log in and check your rates. I apply and always get rejected. they keep sending me an invitation to re-apply " XXXXXXXX is the 5th one of these I 've received. The latest one onXX/XX/XXXX, 2017.
Cont'd attempts collect debt not owed	I was a victim of identity theft and noticed a collection from REVENUE GROUP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against REVENUE GROUP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Credit reporting company's investigation	My wife and I recently sent the attached follow-up letter to Trans Union. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.
Late fee	I went to pay my credit card bill on the day it was due at XXXX, however Capital One said my payment is late because it was made after XXXX Eastern Time. I do not understand how it is legal to charge me a late fee when I did pay my bill on the day it was due, before XXXX in my time zone. I live in Oregon, which obviously is Pacific Time. I believe that is shady, and a scandalous way to make money off of consumers who pay their bill on the due date.
Trouble during payment process	This company is filing fraudulent mortgage assignments with my Recorder of Deeds Office in attempts to steal my home. They are not a party to my real property and it has not been legally assigned to them.
Improper use of your report	I was checking my credit profile and was told that getting a small loan would help increase my credit score however I was told that advant did n't run a credit report but they did which lowered my score again my approval odds were in favor of me but came back that my score was to low now they have lowered it even more could they correct this problem they created
Credit decision / Underwriting	transunion credit bureau has me at a very low score on my credit report ... .i want to know why
Incorrect information on credit report	have never lived in XXXX XXXX XXXX XXXX XXXX. I have lived in XXXX all my life.
Cont'd attempts collect debt not owed	COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX..
Problem with a credit reporting company's investigation into an existing problem	I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in XXXX 2017 .
Improper use of my credit report	hard pull without my consent please remove hard pull for XXXX
Fraud or scam	No access to my account or my money
Incorrect information on credit report	I initiated a Dispute with Equifax my on XXXX XXXX, 2016 and since then I have disputed this creditor XXXX XXXX three time as Fraud/Identity theft. Equifax refuses to remove it from my file. Dispute Case Numbers XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016
Communication tactics	XXXX XXXX or XXXX which ever name they are using currently has been told to stop calling cell phone number. They have been told verbally and in writing to not contact me they have no permission as does nobody or no company they represent may contact me all past present and future contact permission has been is and continues to be revoked. Portfolio continues to call using both manual and Robo calls from multiple spoofed phone numbers.
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them XXXX they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are XXXX and that 's a lie! I am going to make sure XXXX pays for their lies all the time.

Incorrect information on your report

Wells Fargo Dealer Services in XXXX CA has reported incorrect late payment information on a vehicle my mother and I purchased. At the end of 2016 we refinanced the truck through our credit union XXXX. The same month the truck was paid off Wells Fargo said the payment was late. The credit union made the truck payoff before any late payment could even be assessed. I confirmed this with XXXX and with Wells but they have not responded to my inquires.

Incorrect information on credit report

I mailed out multiple letters to Equifax stating a XXXX mortgage is reporting o my credit report. There is no activity on this account in XX/XX/XXXX or XX/XX/XXXX. I want it removed from my credit profile. I do not live in TN. XXXX XXXX

Incorrect information on credit report

hi I want to inform you I had credit card with XXXX after that I decided to close this account for many reasons:1- my XXXX decrease 2- I was unable to pay on time so the bank charged me high interest 3- I called the collection agency phone number:XXXX several times in order to fix the problem and get agreement monthly payment but I do n't get any right response until right now.

Problem with customer service

Trying to invest in XXXX currency wont let me

Account opening, closing, or management

My mortgage account I owed XXXX in XXXX XXXX I paid {$8800.00} in XXXX XXXX. And they are saying I owe XXXX.And in XXXX XXXX the statement says I owe XXXX. Then they charged me a late fee for what I paid my mortgage for a year ... .Wells Fargo Bank ....

False statements or representation

I have no idea what ERC is

Money was not available when promised

On XXXX XXXX, XXXX I made ACH money transfer from XXXX to my checking bank account, and payout was estimated to take place on XXXX XXXX, XXXX. Although Transfer status in XXXX showing ( Complete ), I have not received anything yet!. I tired to contacted customer support multiple times through ticket opening but have not received any response!

Credit reporting company's investigation

Credit Bureau failed to comply with my FCRA section 609 ( a ) ( 1 ) request by not providing the requested information. I sent a letter clearly outlining my request with appropriate proof of identification and payment for consumer disclosure ( please see attached ).

Took or threatened to take negative or legal action

NCB Management Services , Inc. sent me a legal document stating that I am being sued. I have no signed contract with this company.

Unable to get credit report/credit score

ALL XXXX AGENCIES GIVING ME THE RUN AROUND SO THAT ILL EITHER PAY FOR MY FREE REPORT OR USE THE POSTAL SERVICE SO THAT I MAY NOT PROCEED WITH MY DISPUTES ON MY REPORTS..XXXX ARE SAYING I HAVE ALREADY RECEIVED MY FREE REPORT WHILE ANOTHER ASKS SECURITY QUESTIONS THAT ARENT CORRECT AND WHEN I ANSWER " NONE OF THE ABOVE '' IT SAYS TO MAIL IN ALL TYPES OF VERIFIABLE ID..IN HOPES I WONT PERSUE IT..

Disclosure verification of debt

Garnished for {$2200.00} but no record of any account with that amount due.

Loan modification,collection,foreclosure

The lender is refusing to review the clients loss mitigation package because it was submitted by a 3rd party on the clients behalf - It should not matter where the package was submitted from - the lender should review the client for all options when a full loss mitt package is submitted.

Closing/Cancelling account

synchrony bank previously GE Bank have several accounts under my name wen I got XXXX thi banking intitution cancel all my card protection program not to mention they close All my credit card in good standing just because I I 'm XXXX thi is a direct violation not only to CFRA BUT MY AMERICAN XXXX ACT I NEED THE CFPB TO INVESTIGATE ALL ILLEGAL PRACTICE FROM synchrony bank TO SEE HOW MANY OTHE XXXX CONSUMERS HAS GONE TRUE THE SAME VIOLATION

False statements or representation

I have been disputing my credit for quite some time and this one was never appeared before. Attached is a copy of a Experian page showing a collection agency.

Written notification about debt

XXXX XXXX Citizens Bank Account # XXXX Overdraft line of credit. Primary account has been charged off. It seems like late fees keep getting added on, but when I ask for statements I ca n't get them. The principal never gets paid off. <P/> I contacted the company, and they said that since I do n't have an account with them, I ca n't get a statement from them.

Shopping for a loan or lease

I submitted a complaint in XXXX for Clear One Advantage, my case number is XXXX, their response to my complaint was that they would send me my fees which was around {$700.00} ( a little more ), and I have never received my fees back. So my complaint this time is this company does not know the truth, if they had no intentions of giving me my money back they should n't have said they would in their response.

Fees or interest

THE HOME DEPOT DECREASED MY CREDIT LIMIT AND THEN CHARGED ME AN OVER LIMIT FEE ON MY BALANCE I HAVE WRITTEN THEM SEVERAL LETTERS AND THEY FAILED TO ANSWER SO I WROTE ANOTHER LETTER STATING I WAS CLOSING MY ACCOUNT AS THEY DID NOT RESPOND TO MY LETTERS.I CUT THE CARD UP AND SENT IT TO THEM AND THEN THEY CHARGED ME ANOTHER OVER LIMIT FEE

Incorrect information on your report

I do not have a contract with XXXX Fed. On XXXX on or around XXXX it was removed from my credit report and then replaced with out a notice stating that it was going to be replaced via transunion.

Problem with a lender or other company charging your account

I utilized coinbase to purchase crypto currency in the process I was charged the legitimate amount but then charged again the same amount. I paid a total of {$850.00} and the company withdrew {$1700.00} from my account resulting in me having to transfer money right away last minute. I am now left unable to pay for upcoming bills that are due.

Managing the loan or lease

I wanted to make an additional payment toward my loan to reduce the already high interest in the amount of XXXX dollars and was told by XXXX that I could not make any additional payments below a certain amount on the loan. Check city then took my payment and lowered my first payment and when I looked at the invoice the reciept shows I only paid XXXX toward fees when it should have gone toward principle because it was an additional payment.

Cont'd attempts collect debt not owed

I have requested information from National Credit System and the original creditor ( XXXX Company ) about the alleged debt but they will not answer my many request. They want let me know when they released the apartment and as stated in my many request I moved out and gave them notice as required by my lease and they continue to try to collect on a debt I dont owe and the alleged debt is past the SOL XXXX.

Can't repay my loan

We set up payment for interest payment only for one loan and paid over every month. The extra money paid to the loan was not applied to the principal, it was applied to the monthly payment. We also called to get the two loans consolidated so that the payment would be lower. They said that we could not do that. I also asked about reducing the payments and they also said that they could not do that either.

Cont'd attempts collect debt not owed

We owed XXXX XXXX dollars, we sent them the payment and the check was cashed. The collection company TRANSWORLD SYSTEMS INC, is still sending the collection letters. I tried to contact them by phone and their web site and they do not respond. This is an abuse and I am afraid that they can ruin my credit for something I have already paid

Fraud or scam

I gave my mon-ey to JPMorgan Chase bankand asked ifthey could getit to therecipient inXXXX. Theysaid couldhandle it, andthat theywould takecare of it. Money nevergot to the beneficiary in the bank inXXXX! If I had n't been confident ofthe bank assuring methat they couldwire my moneyto XXXX, andthat thebeneficiaryin XXXX would get the moneyI would nothave givenJPMorganChase mymoney!

Cont'd attempts collect debt not owed

I have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Cont'd attempts collect debt not owed

this acct is fraudulent and is a result from identity theft and the company is reporting this to the credit bureaus as well as has an open acct that needs to be closed with their company.

Attempts to collect debt not owed

The medical debt appeared on my credit. No wriiten notification- for {$100.00}. The debt has been PAID with the original credit XXXX XXXX -

Incorrect information on your report

There is an error on my credit report from XXXX XXXX XXXX XXXX . The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number XXXX

Struggling to repay your loan

My initial disbursement was XXXX on XX/XX/XXXX. The balance remaining is XXXX as of XX/XX/XXXX, which at this time I stopped paying. The lender is navient which then was turned over to XXXX XXXX XXXX. Over the 8 years I have paid XXXX towards this loan, why do I not see a decrease in the amount? furthermore, it is on a 6.75 fixed rate which doesnt show it being fixed on my account history. The interest amounts vary each month.

Attempts to collect debt not owed

I included my debt to Speedy cash in the amount of XXXX dollars in my Bankruptcy which was filed in XX/XX/XXXX. My case number is XXXX, my attorney is XXXX XXXX XXXX. All debts owed to Speedy Cash were included in the bankruptcy yet Speedy Cash refuses to list the debt as discharged or closed. As of XX/XX/XXXX it is still on my credit.

Communication tactics

On a given day I could get 10+ calls from Allied Interstate. I pick up, they hang up on me, or when I do get someone they do n't speak English and demand I pay my debt. I have asked them not to call repeatedly through out the day, and they continue to call.

Managing the loan or lease

I have requested a payoff balance from my lender. They have quoted me a price higher than the total loan, ( including finance fees ). I have asked for a quote for payoff three times and have received the same response. I have requested that my payment be placed on the principal for 6 months and this has not been done. I owe less than the total finance charges and would like to pay off my car minus the finance fees but I am being told that I ca n't do that.

Cont'd attempts collect debt not owed

I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.

Trouble during payment process

I am trying to get a hold of US Bank Home Mor tgage Customer service. They put me on hold and the line went dead. They are making it impossible to actually speak to a customer service representative regarding payment arrangements.

Incorrect information on credit report

TransUnion is reporting XXXX XXXX XXXX accounts the do not belong to me. I filed a police report and sent it to them as well as sent them a notarized affidavit along with Section 605 ( b ) which requires them to block all documented fraudulent items. They refused to remove those fraudulent items. I contacted XXXX XXXX they told me that they released those items and to see TransUnion about it. TransUnion continues to ignore my request.

Account opening, closing, or management

I was charged XXXX balance transfer fees of {$420.00} and {$60.00} in separate instances, and these fees are unauthorized because I did not receive a letter of disclosure or any type of information stating that I would be charged for using the balance transfer checks. Bank of America is forcing me to pay {$480.00}, which I will not pay. Requesting your assistance in resolving this matter. Thank you.

Struggling to pay your loan

I have lost my source of income and paying back amount is extremely difficult to payback. Company refuses to negotiate or lower payments.

Loan servicing, payments, escrow account

My XXXX mortgage was transferred to Specialized Loan Servicing LLC earlier this year. I have been making my payments on time and in full to both companies since the loan was started. However I keep receiving letters from Specialized Loan Servicing LLC that I am delinquent on my payments. They have been sending me these letters since they have taken over the loan. I have had my attorney contact them but I still receive these delinquency letters.

Taking out the loan or lease

I have a vehicle loan that shows on my credit report from CarFinancewhich constantly reports me late and now show repossession. Also Myloan amount was for {$23000.00} and I have paid 20 payments at $ XXXX/mowhich is {$10000.00} and CarFinance is telling me that my balance is {$25000.00}. REALLY??? In addition, I have a letter from XXXX stating thatthey will remove the item from my credit but they are useless as well.

Incorrect information on credit report

Recently noticed inquiries removed and then reinserted to my credit report NO NOTICE WAS GIVEN and this is a violation of my fair credit reporting rights ... the inquiries are XXXX, XXXX and XXXX

Incorrect information on your report

Id theft victim XXXX XXXX police report number XXXX

Deposits and withdrawals

I was scammed out a get money quick theme. He needed money sent to him through XXXX took nothing from me but the check was fraud and now I owe XXXX I have the number for the person he wo n't answer I called XXXX but I want my money back now. This is stressful

Incorrect information on credit report

I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit profile. These inquiries were done without my knowledge, authorization, consent and or signature.

Incorrect information on your report

The information far as my name and address is reporting on my credit report wrong. My name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX del XXXX this is the correct spelling of my name and the correct address

Dealing with your lender or servicer

Was told entire payoff amount and deadline. Sent payment in full. Was called back by agency and told i still owed money beyond the payoff. That the agreed to amount was not approved Trying to charge me thousands more.

Dealing with my lender or servicer

Navient failed to inform me of income driven option for nearly 5 years, pushing me toward forbearance, which added thousands in interest being added to my loan. Also there is a {$60000.00} jump added to my loan in one lump sum!? Navient refuses to explain why an additional $ XXXX was added to my loan, failed to inform me about income driven and continues to add interest, -and compound it. Thank you for your assistance. How do we become apart of the lawsuit?

Incorrect information on credit report

XXXX has reported to Equifax that we opened an new account. We have not opened any new mortgage account. Our mortgage was with XXXX/XXXX which dept is paid satisfied and paid in full. Which XXXX was faxed and mailed several time. An investigation into the matter was all ready done and XXXX was supposed to have been removed and blocked from my credit report

Incorrect information on credit report

I recently got a mortgage and now I have numurous hard inquries on my credit reports. I have talked with both transition and XXXX about an account from XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX

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

I owe to XXXX XXXX XXXX and diversified consultant bought my account and they said on the phone if I pay them then my collection will be removed from credit report and I paid them off their amount, they said go ahead dispute with credit report which I did already and they said we will just updated on credit report and they played with me and lied and it was 2015

Other

Macy 's called my ex-husband regarding my Macy 's credit card account. I have never given them his phone number or permission to contact him regarding my account. They have all of my contact information and they did not attempt to contact me at all. I do n't want my ex having information about my accounts. Do I have any recourse?

Communication tactics

Threatened wage garnishment for a loan that is not in default.

Took or threatened to take negative or legal action

Portfolio Recovery Associates hired XXXX, XXXX, XXXX XXXX, XXXX to sue me for an alleged debt in the amount of {$1100.00}. They never served me and obtained a default judgement against me to garnish my wages. I have asked PRA & their law firm to drop the suit because they never served me with the lawsuit or provided me with any viable evidence, bearing my signature. They have yet to cooperate with me.

Incorrect information on your report

Disputed with credit beareu serveral times

Incorrect information on your report

identidy theft i reported it descrefencies in my experian credit report and hard inquireis i did not apply for any credit.

Credit reporting company's investigation

it has been more than 30 day that i send out a letter disputing wrong information on my report and I have not received anything as im writing this complain on XXXX/XXXX/16

Unauthorized transactions/trans. issues

I reported fraudulent activity to Amex on my prepaid card which they assured me they would thoroughly investigate and would send me a new card. Less than 24 hours later I got a notice by email that the dispute was determined to be a valid charge and that I had violated the member terms and conditions so they were suspending my account.

Unable to get credit report/credit score

My social security number was stolen along with my tax records.

Incorrect information on credit report

my disputed bill with att phone compagny was paid in amount of XXXX $ but the collection company added another amount that i am not aware about and now it showing in my credit report as a negative itemes

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

After several attempts to have inquiries, collection accounts and a bankruptcy removed from my credit file I did some further research regarding my XXXX credit file and find that my personal information was breached.

Took or threatened to take negative or legal action

XXXX calls me and tells me where she is from and states that she is calling to collect a debt. She states " You have XXXX hours to call me back or I will send an arrest warrant to your home or workplace. ''

Can't contact lender

Received email from lender stating that they were going to sue me and inform my employer and I was only 2 days late. Here are their words : " Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. ''

Incorrect information on credit report

Old debt listed as new debt ; " XXXX '' listed twice on Experian credit report XX/XX/XXXX and XX/XX/XXXX ; Per letter dated XXXX XXXX investigated my inquiry and determined no changes were needed. I also asked the company for the status of the account and a response was not given. I 've sent XXXX letters requesting an update to the credit report regarding the XXXX Charge Off 's listed on my credit report.

Attempts to collect debt not owed

Last XXXX XXXX, 2017, I wrote a letter to your company to request for debt validation documents to be sent to me pursuant to FDCPA. For some unknown reason, it has been more than 40 days since I sent you my request and I still have not received any lawful, valid validation documents. This is my last resort, have this issue fixed. I will not hesitate to get my legal counsel involved.

Incorrect information on credit report

A paid account sent to collections, which was paid on time as soon as i received the bill. I have a copy of the payment, signature of management team approving my payment, also have the stub of the money order which was used to make the payment. Been to the manager twice and was told it would be rectified, but still showing in collections preventing me from renting apartment. i need this removed asap before i have no place to stay until it gets cleared.

Cont'd attempts collect debt not owed

An account is on my credit report that I do n't know what it is it 's hurting my credit and they do n't have proof that this account is mine

Improper contact or sharing of info

On or about XXXX XXXX, 2016, XXXX XXXX of Premium Asset Services , LLC called my employer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, regarding a debt that I allegedly owe. Specifically, he told my employer that he would be taking additional steps, including filing a lawsuit against me. Additionally, XXXX XXXX called me on XXXX XXXX, 2016, and threatened to call my employer or " JAG '' and have my wages garnished if I did n't pay the debt.

Incorrect information on your report

When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.

Incorrect information on your report

My brother XXXX XXXX XXXX filed a bankruptcy and got a loan 2 years ago. and now i " XXXX XXXX XXXX '' is trying to get and build my own credit, but every time i try to apply i get denied because they always see my brothers history which is not mine. i wan na know how can i fix this.

Using a debit or ATM card

PayPal Debit card denies transactions on a regular basis in spite of there being a large balance in the account. These issues may only be resolved via telephone service where it is impossible to to reach a representative without a wait of 1 hour or more ( most mondays NOT AT ALL ). This substandard business practice is a disservice to Patrons and PayPal Debit Card employees alike.

Improper use of your report

I woke up this morning and had an alert from experian that XXXX had run my credit and placed an inquiry on my report today XX/XX/XXXX when in fact I never applied for a card. Please look into this and ask XXXX what the address was that was used. I did not ask XXXX to run my social. This is fraudulent.

Credit reporting company's investigation

There are XXXX accounts that are listed on Equifax report ; neither of which belong to me. Also a child custody late reporting is on my report also ( I have never been late ). I have requested an investigation x XXXX with no information provided to confirm these accounts belong to me. I have provided documentation.

Money was not available when promised

PayPal is holding my funds for over five months.

Using a debit or ATM card

I had a debit card only account with Chase and it was impossible for me to have insufficient funds in my account.

Incorrect information on credit report

Paid off an account with XXXX XXXX listed in collections about two months ago, but it 's still listed as outstanding.

Improper use of your report

i have unathorized credit inquires on all 3 credit report agengencys XXXX transunion and XXXX

Incorrect information on your report

My wife and I had a home equity line of credit ( HELOC ) with XXXX. We never drew down the line of credit, and it was closed when we sold the home in XX/XX/2016. Indeed, we have the deed of reconveyance for the HELOC. Yet the HELOC still shows as open on all of our credit reports. It appears that XXXX never informed any of the three credit reporting agencies that the HELOC was closed.

Cont'd attempts collect debt not owed

THIS IS NOT MY DEBT! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!

Customer service / Customer relations

My Bank of America credit card was always paid on time and paid in full yet the stated late payments and I settled with them which is false.

Cont'd attempts collect debt not owed

I received a letter regarding a previous debt that I have already taken care of. When called the collection agency and gave my account number and name to correct the issue, they hung up on me. This debt has already been paid for and i have try 'd multiple times to call them and all they do is hang up on me as soon as i give my name and account number.

Incorrect information on credit report

I filed for Chapter XXXX bankruptcy in 2009. The bankruptcy was dismissed. I desperately need a new roof, but I can not get approved for a loan due to the above. I believe it should be removed from my credit report since it was dismissed.

False statements or representation

I opened a Sears MasterCard account with Sears on XX/XX/XXXX and enrolled in their Debitcare debt cancellation program. Under this program my debit up to {$10000.00} will be cancel if I remain Unemployed for more than 180 Days. I remained unemployed for more than two years. This collection Agency reporting wrong date of account opened ( XX/XX/XXXX instead of XX/XX/XXXX ) and still trying to collect this debit.

Incorrect information on credit report

Wrong personal information on credit report

Struggling to pay mortgage

IN CASE CFPB # XXXX YOU PROVIDE A JOINT ANSWER CHASE AND XXXX XXXX. YOU BRIEFLY MENTION WITHOUT EXPLAINING " CURRENT OWNER ''. ONE QUESTION, DID XXXX XXXX PURCHASE XXXX XXXX XXXX FROM YOU ON X/XX/2009 FOR XXXX? XXXX # XXXX

Incorrect information on credit report

Notice an paid in full but still open account on my credit report. Called company handling the account and asked if they could send in a request for deletion from my credit report and was given the run around and told that they couldnt do that twice and hung up on once.

Improper use of my credit report

in 2015 I went to buy a car and I inquired the credit often without my permission, I request the removal thereof. these reports are in TransUnion, XXXX, XXXX

Getting a loan

Every month I receive from XXXX an invitation to lower the cost of my student debt : " We 've missed you! '' Simply log in and check your rates. I apply and always get rejected. they keep sending me an invitation to re-apply " XXXXXXXX is the 5th one of these I 've received. The latest one onXX/XX/XXXX, 2017.

Cont'd attempts collect debt not owed

I was a victim of identity theft and noticed a collection from REVENUE GROUP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against REVENUE GROUP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Credit reporting company's investigation

My wife and I recently sent the attached follow-up letter to Trans Union. We were following up with them because it had been over 45 days since we had requested credit investigations. To date, we have still not heard from them.

Late fee

I went to pay my credit card bill on the day it was due at XXXX, however Capital One said my payment is late because it was made after XXXX Eastern Time. I do not understand how it is legal to charge me a late fee when I did pay my bill on the day it was due, before XXXX in my time zone. I live in Oregon, which obviously is Pacific Time. I believe that is shady, and a scandalous way to make money off of consumers who pay their bill on the due date.

Trouble during payment process

This company is filing fraudulent mortgage assignments with my Recorder of Deeds Office in attempts to steal my home. They are not a party to my real property and it has not been legally assigned to them.

Improper use of your report

I was checking my credit profile and was told that getting a small loan would help increase my credit score however I was told that advant did n't run a credit report but they did which lowered my score again my approval odds were in favor of me but came back that my score was to low now they have lowered it even more could they correct this problem they created

Credit decision / Underwriting

transunion credit bureau has me at a very low score on my credit report ... .i want to know why

Incorrect information on credit report

have never lived in XXXX XXXX XXXX XXXX XXXX. I have lived in XXXX all my life.

Cont'd attempts collect debt not owed

COLLECTORS KEEP TRYING TO COLLECT A DEBT PAY IN FULL, STATUES OF LIMITATIONS HAS EXPIRED. ALSO, CALLING MY WORK, CELL HOME AND SKIP TRACING ABROAD IN VIOLATION OF FDCPA, TCPA FCRA ETC..XXXX..

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

I 've disputed this collections amount because I have no knowledge of the account itself. The bureau investigated and item and status has remained unchanged since my last dispute in XXXX 2017 .

Improper use of my credit report

hard pull without my consent please remove hard pull for XXXX

Fraud or scam

No access to my account or my money

Incorrect information on credit report

I initiated a Dispute with Equifax my on XXXX XXXX, 2016 and since then I have disputed this creditor XXXX XXXX three time as Fraud/Identity theft. Equifax refuses to remove it from my file. Dispute Case Numbers XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016 XXXX on XXXX XXXX, 2016

Communication tactics

XXXX XXXX or XXXX which ever name they are using currently has been told to stop calling cell phone number. They have been told verbally and in writing to not contact me they have no permission as does nobody or no company they represent may contact me all past present and future contact permission has been is and continues to be revoked. Portfolio continues to call using both manual and Robo calls from multiple spoofed phone numbers.

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

XXXX XXXX is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them XXXX they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are XXXX and that 's a lie! I am going to make sure XXXX pays for their lies all the time.