determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	The company refuses to remove the negative information off my credit file
Incorrect information on credit report	State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway
Cont'd attempts collect debt not owed	I had healthcare medical insurance which healthcare provider did not bill correctly for. I attempted to explain this to the credit agency and they were not understanding of the matter. Over the past month the collection agency " California Business Bureau '' has reported negatively to all XXXX major credit agencies.
Fraud or scam	AmericanExpress Gift card numbers have been stolen, it is commonly known within their call centers but they are n't willing to help consumers reclaim the funds, or file for fraud - I have been on phone with their call centers in XXXX for hours now and still ca n't get put through their fraud center. AmEx knows this is going on - but are n't helping customers or alerting vendors that their card numbers have been stolen.
Incorrect information on credit report	My Credit report ( s ) are showing a past due unpaid balance on an account that has been paid and satisfied. For several months I have been in communication with XXXX and they promised me they would update my report ( s ) and as of today, XXXX XXXX, 2016, they have not. This situation is compromising my financial position and I want this corrected as soon as possible.
Incorrect information on credit report	Wage Earner Plan filed XXXX - has passed the 7 years limitations on my credit report for a Chapter XXXX bankruptcy. This item should have been deleted by Equifax and was n't.
Written notification about debt	Account Management Resources , LLC s ent invoice of payment and a balance of XXXX . Marked Late the month of XXXX /2011 and current XXXX 2011. Account Management Resources, LLC failed to mark DISPUTE BY CONSUMER on credit reports within 30 days of received dispute. According to Federal Law FDCPA 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 )
Account opening, closing, or management	Bank of America Missouri reported " suspected Fraud '' to my XXXX profile due to XXXX payroll checks having been returned NSF. I disputed the report with XXXX and they are now reporting the information has been verified using information obtained from Bank of America which is not justified and defamatory.
Cont'd attempts collect debt not owed	I was injured XXXX and I have a worker 's comp claim # XXXX date of injury XXXX/XXXX/XXXX I was going to University Hospitals here in XXXX, Oh. and because the clerks did not put correct medical codes on these bills Worker 's Comp refused to pay These bills are dated between XXXX and XXXX. ++these bills are over 10 years old XXXX they should be removed from my credit reprt
Managing an account	I have called ally bank everyday for two weeks and they tell me there is a twenty five minute wait time nobody will answer, I need to withdraw some money and I ca n't.
Trouble during payment process	Hello - I just realized, after reviewing the latest escrow shortage document from Flagstar Bank, my mortgage lender, that I 'm being charged mortgage insurance. I should not be paying mortgage insurance as my principal to house value is currently at 62 %. I 've calculated that Flagstar owes m e {$6100.00} in payments for mortgage insurance that I should not have had to make. Please see the uploaded document for the calculation.
Problem with a credit reporting company's investigation into an existing problem	My paid subscription directly with Experian is showing a 53 point higher credit score ( Fico Score ) than when my lender pulls it ( XXXX ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.
Advertising and marketing, including promotional offers	Capital One sends me mailers seemingly every week trying to get me to apply for one of their cards. I finally decide to apply for one and then I get denied! My credit rating is over XXXX so I 'm not sure why I was denied but I believe it hurts my credit. Capital One should stop sending offers to people who they deem ineligible.
Credit reporting company's investigation	I disputed bankruptcies that are reporting on my credit report. They came back verified but I do n't understand how they are verified when no proof has been given although requested also my XXXX credit file has a freeze on it. I have had a freeze on my account for a few months now so I 'm unsure of this information that is listed on my credit report.
Communication tactics	Portfolio continues to call my home. The calls are generated from various areas the United States, causing my telephone to ring continuously and repeatedly with the intent to annoy, abuse, or harass any person who answers the telephone at my home. Portfolio, thru a 3 year period, has made no less that 3000 phone calls to my residence. There are XXXX XXXX people living in our home.
Incorrect information on credit report	Income tax lien filed in XXXX in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. Consent to publish the
Communication tactics	Hi I have a balance due with global payment check services which I 've been paying monthly as requested. My complaint is after my payment they call to see if I 'm going to send my next payment which is fine. But they called pretty much every day and hang up. Out of the several calls they might leave XXXX message but for the most of all they just call and hang up on me which from what I understand this is a violation of the fdcpa. Thank you much
Using a debit or ATM card	I was an American Express Serve customer and had fraud on my account. instead of returning my money SSI check they, close my account.
Incorrect information on your report	XXXX XXXX is reporting that I was late 120 day I was in deferment i should not be reported as late
Improper use of your report	Equifax gathered my personal information and without my consent stored it on their database which they did not protect sufficiently from hackers. As a result my information was stolen and my identity endangered. Their poor data security has endangered me and millions of others.
Incorrect information on credit report	Hello. Even though these accounts were hacked by my brother, I paid them to have my credit history cleared. Attached are the receipts. Please help me to clear my credit history. I ca n't even open a bank account and I have never done anything wrong. Thank you.
Settlement process and costs	XXXX is representing the seller of a property in XXXX, KY for the purchase of a new home in XXXX, KY. Proceeds from the sale of their current home will be used for the purchase of the new home. XXXX has requested the title company to provide a prelimary seller side CD to verify funds needed to close. After tow weeks of requesting the Title Company ( Executive Title ) will not comply with our request.
Attempts to collect debt not owed	I do not have any type of contract with this company. I have tried to reach out to source receivables multiple times about this issue. Proper Validation has not been provided and several FCRA violations have been made.
Incorrect information on credit report	XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.
Cont'd attempts collect debt not owed	I had been receiving phone calls that I owed a {$790.00} payday loan which I never asked for and never received. Now a company named Midwest Recovery Systems XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has placed this charge on my credit report which is affecting my credit. I never received a loan nor will the company provide any documentation stating that I received any monies.
Took or threatened to take negative or legal action	In XX/XX/XXXX and again in XX/XX/XXXX Portfolio Recovery called me at XXXX XXXX, call my work after I told them no, and said I would get sue for fraud if I didn't pay a debt.
Incorrect information on credit report	They have me working at XXXX, which I do not that was where my husband worked, also I have never lived on XXXX XXXX in XXXX XXXX fl. I shared a XXXX card acct with a friend and she lives at that address. Since that acct has been closed and a new acct opened in my name. Please check with the usps and you will be able to verify that is not my address. and irs can confirm that I do not work at XXXX
Improper use of your report	PLEASE REMOVE XXXX XXXX AS AUTH USER : SS # XXXX ACCT # XXXX.
Unable to get credit report/credit score	I have been trying to obtain a copy of my credit report from TransUnion since XXXX of this year and I have yet to receive it. I have requested my report in writing 7 times and called them at least 2 times by phone to try to get them to update my information and send me a copy of the report. I have been unsuccessful in obtaining a disclosure of my credit information from TransUnion.
Cont'd attempts collect debt not owed	I received a letter in the mail stating that I owe {$2000.00} from a creditor named XXXX. I am in the military so I have insurance. Furthermore, I have not been to Florida in 5 years but the debt is from XXXX XXXX 2016.
Managing, opening, or closing account	American Express Serve provided a free {$50.00} Card when purchasing an iPhone at XXXX. I used the money the same day and called several times to close the account. I was told the account was closed after dozens of hours and nearly a year later. Months later, I started getting emails that they now charge a {$4.00} monthly fee and I now owe money on the card. I ca n't get them to close my account after trying many times for the past year.
Incorrect information on credit report	Here are documents from XXXX XXXX XXXX to go with case # XXXX. They have reported XXXX different things to all XXXX credit agencies and different on my wife 's as well.
Can't repay my loan	i been paying loan for about 10 years hasnt went down payments to high and intrestrate to high.
Managing the loan or lease	MAVERICK FINANCE PAID IN FULL DELETED THAN REINSERTED. IT WAS TAKEN OFF THE BUREAUS THAN PUT BACK ON. XXXX ITS BEEN PAID
Communication tactics	Various people calling my work and home number never stop. Rude threatening to call various departments and family member.
Incorrect information on your report	I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Experian shows {$6500.00} and closed and XXXX shows {$6600.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. The account is with XXXX XXXX XXXX XXXX
Improper use of your report	I have contacted Equifax, XXXX and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.
Managing an account	I use XXXX XXXXvand have a Wells Fargo account and Wells Fargo is n't sending updated transactions to XXXX XXXX and it 's keeping me from accessing the money.
Can't repay my loan	I was pressured and rushed into getting a private loan through XXXX XXXX rather than being given several options or time to seek out other loans. I am now stuck with a High interest loan with a high payment that I can not afford.
Problems when you are unable to pay	I have an old debt that filed to attach bank account at XXXX banks in the last 2 months. Now they send a letter head calling themselves some other name. I have filed bankruptcy chapter XXXX. Following an accident in which I am XXXX for 20 years. It 's embarrassing when they keep sending attachment to different banks and also sent proof of bankrupty. How do I make them stop?? I call and they are rude and disrespectful. I do n't know what else to do.
Improper use of your report	Call XXXX XXXX to inquire bout the notification requiring the inquires.The company direct me to call the credit bureau.Credit bureau states it was factual information.Its not.
Communication tactics	They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the call.
Deposits and withdrawals	My purse was stolen on XXXX XXXX. I reported the loss of my driver 's license and checking account debit credit card to both my bank, TCF, and the police. On Friday XXXX XXXX an individual made a fradulent withdraw of {$350.00} dollars from my checking account. The withdraw was made from a TCF bank in XXXX. I live in XXXX. Since then, TCF has refused to release the remaining funds in my checking account or refund my {$350.00}.
Incorrect information on credit report	There are inquires on my credit report that are not mine.
Dealing with your lender or servicer	They are charging me for a student loan for XXXX College in the year 2005. I never attended or took out a student loan or attended school that year. I 've told them about it and nothing has changed on my account. I asked that it be removed and drill nothing.
Cont'd attempts collect debt not owed	I keep receiving continued calls ( many times per week ) from the following number ( XXXX ) for a debt owed by my adult son who does not live with us. I have told at least XXXX different people to stop calling and they promise that they have put our number on a do not call list, but they continue to call.
Incorrect information on credit report	Your options do not list the proper option for this issue. XXXX is trying to collect a debt that I do not owe. They sued me and I won the law suit. The court determined this is NOT MY DEBT. I have attached both the judgement resolution AND the copy of the Equifax file stating that they contacted XXXX and are leaving it on the file.
Loan servicing, payments, escrow account	Green Tree Servicing has force-placed insurance after receiving proof of insurance from both the insurance agent and borrower. Multiple calls, faxes and emails have not resolved this issue and they continue to charge their own insurance premium. Multiple voice mails for supervisors have not been returned.
Credit determination	Explanation of complaint : I want to file a case of discrimination against dicover card. I made an application to Discover card. but was decline, the reason was " no credit record available. " how can you prove you are worthy of credit when they decline an application on first time. thanks a lot, mtan
Customer service / Customer relations	They stated that they are closing the account because of to many returned payments when I spoke to over seas customer service they told us XXXX basicly XXXX strikes and your done. The two payments where done because oh human error and it 's not right that they have so much out source help that do n't know right from wrong
Problems caused by my funds being low	I bank with BB & T. I had a small overdraft on my account. Well a few days later that small overdraft turned into {$350.00} in overdrafts. From what it looks like they moved transactions that I know had already cleared my account and caused even more overdraft fees. They also moved things around to look like I had more money than what I had in the account and I did n't realize what they had done until it was too late and I had all of these fees.
Improper use of your report	On XXXX XXXX, XXXX, I noticed a hard inquiry from XXXX that occurred on XXXX/XXXX/XXXX. I had applied for a XXXX credit card back in XXXX of XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in XXXX.
Problems when you are unable to pay	i have XXXX auto leases with toyota financial services of XXXX .I am a XXXX resident and XXXX of the XXXX cars have no problem .The third vehicle was assigned an incorrect address so bills were not recieved as well as a cure letter or XXXX letter. toyota repossesed my car unknown to me and came on my private property while I was not home and took the car without knowledge
Attempts to collect debt not owed	I was notified by a company that I previously worked for that the county sheriffs requested them to attach my wages. When I contacted the lawyer, I was told that it was a bebt from 2008, and that XXXX had a court order against me. I have no clue about what they are talking about! And why after 8 years are they are they bothering me. WHY HAVE NOT I HEARD ANYTHING FOR 8 YEARS
Incorrect information on your report	I have inquiries on this account that i did not authorize or complete personally
Incorrect information on your report	Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6XXXX XXXX XXXX. 7XXXX 8XXXX XXXX XXXX XXXX 9XXXX XXXX 10.XXXX XXXX 11.XXXX XXXX 12XXXX 13.XXXX XXXX 14XXXX 15.XXXX XXXX
Deposits and withdrawals	XXXX XXXX has received collections letter for reimbursement of breach check from Citibank. However, I have not received a check from Citibank in the amount of {$66000.00} as of XXXX XXXX, 2016. It has exceeded a reasonable time-frame.
Cont'd attempts collect debt not owed	This robo call comes in every day for the last 4 months, I do n't know this company, have no outstanding debt with them and have never received written notice or proof of any debt.
Problem caused by your funds being low	I opened an account at bank of america, ove 20 years ago. I was told that no fees would be charged on my account as I have direct deposit. I just noticed that {$28.00} monthly fees have been assessed on my account erroneously. I attempted to speak with a supervisor and i was denied the opportunity to do so. I am requesting that Bank of America is contacted for an investigation
Managing the loan or lease	The interest rate santander charge my car was priced @ {$17000.00} the interest rate is {$20000.00} leaving me to pay {$37000.00} on a used car
Incorrect information on your report	I had a car loan with the company Mid West Acceptance. The vehicle I had I traded it in a a dealership for a new vehicle XX/XX/2014. Mid West Acceptance Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at Mid West Acceptance and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.
Credit monitoring or identity protection	It is something on my report from XXXX that I know nothing about. I have not applied for anything from XXXX. It is a hard dispute. I do n't want any card from them. Do n't know what they are doing on my credit report. It was done from XX/XX/XXXX - XX/XX/XXXX. Thank you for your attention in this matter.
Dealing with my lender or servicer	Callings all-day long. Customer service is rude.. never received paper work because I '. Unemployed
Written notification about debt	I have a I do not recognize XXXX XXXX XXXX XXXX # XXXX account. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I owe. I request that XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Communication tactics	On XX/XX/2018, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, Weinstein & Riley ( WPR ). I phoned Weinstein & Riley ( WPR ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.
Improper use of your report	I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.
Problem with a credit reporting company's investigation into an existing problem	XXXX is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and XXXX.
Closing an account	I mailed a letter to them to close my XXXX XXXX account but no confirmation my account has been closed. I have enjoyed them as a bank but told them I have another account with another bank now with a higher APY.
Charged fees or interest I didn't expect	I have continually been called by summit receivables a collection company in regards to a payday loan lender. After many unsuccessful attempts to tell them to quit calling me they continue and while on the phone are very harassing, including will not disclose who they are or who they are with. They called From a local number XXXX. They called at all times of the day
Dealing with my lender or servicer	Payments are not allocated properly ; i.e. to the principal on the highest interest loan first.
Disclosure verification of debt	On XXXX/XXXX/2016 Bayview Loan Servicing became my new mortgage servicer. On XXXX XXXX, 2016, I received a welcoming package from same company that did NOT include a debt validation notice, as I understand is required by law under the FDCPA. I 've checked the front and back of the documents, which I have attached.
Loan modification,collection,foreclosure	BANK OF AMERICA CLAIMS TO BE THE OWNER OF MY MORTGAGE AND SO DOES XXXX XXXX XXXX, BOTH OF THESE ARE LISTED ON MY CREDIT REPORT AS OWNING THE EXACT SAME DEBT, MY HOME IS IN FORECLOSURE FOR NEARLY 4 YEARS NOW AND SET TO BE SOLD ON XXXX/XXXX/15 WITH NEITHER OF THESE ARE THE CREDITOR!!! BOA IS THE PLAINTIFF AND IS UNDER REVIEW WITH XXXX OFFICE.
Incorrect information on credit report	My wife 's SS number used on my report ( personal information ) on the trans union credit report.
Billing disputes	I am being billed by Home Depot for order # XXXX, which was cancelled and never received. I am attaching some of my correspondence to Home Depot disputing this and asking for a full credit to be issued to account # XXXX, which they have not answered.
Cont'd attempts collect debt not owed	Debt was paid.
Managing the loan or lease	I believe i may have been a victum of fraud by USA discounters. Looking for more information.
Using a debit or ATM card	My Bluebird Amexican Express debit card was suddenly shut down without any explanation. I am unable even to veiw my statements.
Problem with a credit reporting company's investigation into an existing problem	XX/XX/2017 XXXX is only credit reporting 30 days late on XXXX XXXX account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. XXXX and XXXX corrected and updated my account information. I have written letters to XXXX to remove lates because that is not accurate information. But have not been able to get this resolved.
Taking/threatening an illegal action	Threating to retaing license or funds of vehicle if XXXX is not payed as there invovled in organized fraud and breaching of data
Problem with a credit reporting company's investigation into an existing problem	There is a collection account on my credit file for {$380.00} from a XXXX XXXX XXXX. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.
Communication tactics	They called my son and told him that they are creditors and they need to up date my info
Communication tactics	I receive multiple phone calls from XXXX till XXXX sometimes everyday if I dont pick up. I have a DO NOT Call at work on my account and they have called me at work.
Incorrect information on your report	On XXXX/XXXX/XXXX I filed bankruptcy. OneMain Financial was sent the bankruptcy paperwork from my lawyer. OneMain still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. OneMain has exceeded the time limit to fix this on my credit report.
Disclosure verification of debt	My daughter is suspected of this credit fraud. My question to this act is, a credit check should have caught this. Valid identification is required, yet this account was opened? Opened : XXXX XXXX 2016, amt. {$520.00}
Cont'd attempts collect debt not owed	I have XXXX accounts that were included in a bankruptcy and it was discharged in XXXX 2015. Transworld or TSI/XXXX as it shows on my credit report is still showing these accounts as open collections with remarks of Chapter XXXX Bankruptcy next to them.
Struggling to pay mortgage	This is the second request for help with my mortgage. I currently owe XXXX to prevent foreclosure. I was denied a second time any workout options. I am required to pay the full XXXX before XXXX XXXX. I explained to my mortgage company that my husband got a part time job for more income but no other options were offered. Please help me.
Credit monitoring or identity protection	I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges.
Cont'd attempts collect debt not owed	This, supposedly, is a medical collection that was contracted out to a collection agency. I have no idea of who this company is or what debt they are attempting to collect on. This is a violation of my HIPAA Rights. Remove completely from my credit file at once.
Communication tactics	The debt collector begins to call me the day after a payment is late and calls me non stop every XXXX hours demanding I make a payment. This has been going on for months now of non stop abuse. As soon as I make the payment the calls stop.
Loan modification,collection,foreclosure	I have already filed a compliant and received a letter from nation star. I filed complaint in XXXX 2016. The letter from nationstar said they were looking into my compliant and wood have an answer by XXXX XXXX 2016. I 'm still waiting. Now I received a letter from nation stars attorney and it said that our home would be sold at auction on XXXX XXXX 2016. Now what do we do?
Improper use of your report	Equifax suffered a security breach, exposing my personal information to risk.
Incorrect information on your report	Chase & XXXX has different information regarding this charge off. This account was closed twice once in XX/XX/XXXXand XX/XX/XXXX according to XXXX. Chase only has record of it being closed once. I'm not sure if they both have the same charge off date but XXXX reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.
Incorrect information on your report	XXXX XXXX XXXXEquifax A XX/XX/XXXX {$15000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF {$0.00} THIS ACCT. WAS NOT A CHARGE-OFF, THIS ACCT. WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX. PLEASE CORRECT ACCORDINGLY ... THANK YOU
Struggling to pay mortgage	my XXXX sister XXXXXX/XX/XXXX, with a reverse mortgage.i promised her that i would take of the funeral exspenses and etc. i notified the mortgage co. and other envolved parties of her death.we were told that her real property would go back to the mortgage co. it has been over 4 years since my sisters XXXX, and the property is still vacant. now the mortgage co. is threatning to sue me to payoff the loan balance.i have no connection with her property or her mortgage
Attempts to collect debt not owed	As a Class Member of the XXXX XXXX XXXX Data Breach, I assert that this debt is likely caused by an Act of Personal Identity Theft by an unknown perpetrator.
Incorrect information on credit report	Allied Collection services was representing for XXXX XXXX and made an agreement with me for a pay to delete. The account was paid in full and still remains to show as a PAID closed account in collections on my XXXX credit report.
Incorrect information on credit report	I filed bankruptcy in XXXX of 2010. There are several medical collection items that were included in my bankruptcy that still show open on all XXXX credit bureaus. I would like to have them removed and am not sure how I can do that?
Improper use of your report	XXXX XXXX RAN MY CREDIT TWICE WAS SUPPOSED TO SOLF XXXX AND EXPERIAN ERRORS.
Problem with fraud alerts or security freezes	FYI - THIS COMPLAINT IS SEPARATE & DIFFERENT FROM THE PREVIOUS COMPLAINT TODAY.., SO THERE IS NO EXTENSION OF TIME TO INVESTIGATE. THE CLAIM OF SUCH WILL PROVE TO BE A BLATANT VIOLATION OF FRCA RULES ... Equifax RE : # XXXX, states a fraud alert was added to my file that I NEVER requested. This violates the FCRA and my rights ...
Attempts to collect debt not owed	I submitted a dispute to XXXX about the creditor, the credit was dismissed by the original creditor as not being mine.

Incorrect information on credit report

The company refuses to remove the negative information off my credit file

Incorrect information on credit report

State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway

Cont'd attempts collect debt not owed

I had healthcare medical insurance which healthcare provider did not bill correctly for. I attempted to explain this to the credit agency and they were not understanding of the matter. Over the past month the collection agency " California Business Bureau '' has reported negatively to all XXXX major credit agencies.

Fraud or scam

AmericanExpress Gift card numbers have been stolen, it is commonly known within their call centers but they are n't willing to help consumers reclaim the funds, or file for fraud - I have been on phone with their call centers in XXXX for hours now and still ca n't get put through their fraud center. AmEx knows this is going on - but are n't helping customers or alerting vendors that their card numbers have been stolen.

Incorrect information on credit report

My Credit report ( s ) are showing a past due unpaid balance on an account that has been paid and satisfied. For several months I have been in communication with XXXX and they promised me they would update my report ( s ) and as of today, XXXX XXXX, 2016, they have not. This situation is compromising my financial position and I want this corrected as soon as possible.

Incorrect information on credit report

Wage Earner Plan filed XXXX - has passed the 7 years limitations on my credit report for a Chapter XXXX bankruptcy. This item should have been deleted by Equifax and was n't.

Written notification about debt

Account Management Resources , LLC s ent invoice of payment and a balance of XXXX . Marked Late the month of XXXX /2011 and current XXXX 2011. Account Management Resources, LLC failed to mark DISPUTE BY CONSUMER on credit reports within 30 days of received dispute. According to Federal Law FDCPA 807 ( 8 ) and FCRA Section 623 ( a ) ( 3 )

Account opening, closing, or management

Bank of America Missouri reported " suspected Fraud '' to my XXXX profile due to XXXX payroll checks having been returned NSF. I disputed the report with XXXX and they are now reporting the information has been verified using information obtained from Bank of America which is not justified and defamatory.

Cont'd attempts collect debt not owed

I was injured XXXX and I have a worker 's comp claim # XXXX date of injury XXXX/XXXX/XXXX I was going to University Hospitals here in XXXX, Oh. and because the clerks did not put correct medical codes on these bills Worker 's Comp refused to pay These bills are dated between XXXX and XXXX. ++these bills are over 10 years old XXXX they should be removed from my credit reprt

Managing an account

I have called ally bank everyday for two weeks and they tell me there is a twenty five minute wait time nobody will answer, I need to withdraw some money and I ca n't.

Trouble during payment process

Hello - I just realized, after reviewing the latest escrow shortage document from Flagstar Bank, my mortgage lender, that I 'm being charged mortgage insurance. I should not be paying mortgage insurance as my principal to house value is currently at 62 %. I 've calculated that Flagstar owes m e {$6100.00} in payments for mortgage insurance that I should not have had to make. Please see the uploaded document for the calculation.

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

My paid subscription directly with Experian is showing a 53 point higher credit score ( Fico Score ) than when my lender pulls it ( XXXX ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.

Advertising and marketing, including promotional offers

Capital One sends me mailers seemingly every week trying to get me to apply for one of their cards. I finally decide to apply for one and then I get denied! My credit rating is over XXXX so I 'm not sure why I was denied but I believe it hurts my credit. Capital One should stop sending offers to people who they deem ineligible.

Credit reporting company's investigation

I disputed bankruptcies that are reporting on my credit report. They came back verified but I do n't understand how they are verified when no proof has been given although requested also my XXXX credit file has a freeze on it. I have had a freeze on my account for a few months now so I 'm unsure of this information that is listed on my credit report.

Communication tactics

Portfolio continues to call my home. The calls are generated from various areas the United States, causing my telephone to ring continuously and repeatedly with the intent to annoy, abuse, or harass any person who answers the telephone at my home. Portfolio, thru a 3 year period, has made no less that 3000 phone calls to my residence. There are XXXX XXXX people living in our home.

Incorrect information on credit report

Income tax lien filed in XXXX in the XXXX XXXX Court. I have lived in State of XXXX since XXXX, and this liens were filed in XXXX for income taxes owed for a XXXX taxpayer with similar name. If I am not living there in that period how can I owe income taxes in State where I am not living or working or having any investments. Finally, my social security if different from that taxpayer. Consent to publish the

Communication tactics

Hi I have a balance due with global payment check services which I 've been paying monthly as requested. My complaint is after my payment they call to see if I 'm going to send my next payment which is fine. But they called pretty much every day and hang up. Out of the several calls they might leave XXXX message but for the most of all they just call and hang up on me which from what I understand this is a violation of the fdcpa. Thank you much

Using a debit or ATM card

I was an American Express Serve customer and had fraud on my account. instead of returning my money SSI check they, close my account.

Incorrect information on your report

XXXX XXXX is reporting that I was late 120 day I was in deferment i should not be reported as late

Improper use of your report

Equifax gathered my personal information and without my consent stored it on their database which they did not protect sufficiently from hackers. As a result my information was stolen and my identity endangered. Their poor data security has endangered me and millions of others.

Incorrect information on credit report

Hello. Even though these accounts were hacked by my brother, I paid them to have my credit history cleared. Attached are the receipts. Please help me to clear my credit history. I ca n't even open a bank account and I have never done anything wrong. Thank you.

Settlement process and costs

XXXX is representing the seller of a property in XXXX, KY for the purchase of a new home in XXXX, KY. Proceeds from the sale of their current home will be used for the purchase of the new home. XXXX has requested the title company to provide a prelimary seller side CD to verify funds needed to close. After tow weeks of requesting the Title Company ( Executive Title ) will not comply with our request.

Attempts to collect debt not owed

I do not have any type of contract with this company. I have tried to reach out to source receivables multiple times about this issue. Proper Validation has not been provided and several FCRA violations have been made.

Incorrect information on credit report

XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.

Cont'd attempts collect debt not owed

I had been receiving phone calls that I owed a {$790.00} payday loan which I never asked for and never received. Now a company named Midwest Recovery Systems XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has placed this charge on my credit report which is affecting my credit. I never received a loan nor will the company provide any documentation stating that I received any monies.

Took or threatened to take negative or legal action

In XX/XX/XXXX and again in XX/XX/XXXX Portfolio Recovery called me at XXXX XXXX, call my work after I told them no, and said I would get sue for fraud if I didn't pay a debt.

Incorrect information on credit report

They have me working at XXXX, which I do not that was where my husband worked, also I have never lived on XXXX XXXX in XXXX XXXX fl. I shared a XXXX card acct with a friend and she lives at that address. Since that acct has been closed and a new acct opened in my name. Please check with the usps and you will be able to verify that is not my address. and irs can confirm that I do not work at XXXX

Improper use of your report

PLEASE REMOVE XXXX XXXX AS AUTH USER : SS # XXXX ACCT # XXXX.

Unable to get credit report/credit score

I have been trying to obtain a copy of my credit report from TransUnion since XXXX of this year and I have yet to receive it. I have requested my report in writing 7 times and called them at least 2 times by phone to try to get them to update my information and send me a copy of the report. I have been unsuccessful in obtaining a disclosure of my credit information from TransUnion.

Cont'd attempts collect debt not owed

I received a letter in the mail stating that I owe {$2000.00} from a creditor named XXXX. I am in the military so I have insurance. Furthermore, I have not been to Florida in 5 years but the debt is from XXXX XXXX 2016.

Managing, opening, or closing account

American Express Serve provided a free {$50.00} Card when purchasing an iPhone at XXXX. I used the money the same day and called several times to close the account. I was told the account was closed after dozens of hours and nearly a year later. Months later, I started getting emails that they now charge a {$4.00} monthly fee and I now owe money on the card. I ca n't get them to close my account after trying many times for the past year.

Incorrect information on credit report

Here are documents from XXXX XXXX XXXX to go with case # XXXX. They have reported XXXX different things to all XXXX credit agencies and different on my wife 's as well.

Can't repay my loan

i been paying loan for about 10 years hasnt went down payments to high and intrestrate to high.

Managing the loan or lease

MAVERICK FINANCE PAID IN FULL DELETED THAN REINSERTED. IT WAS TAKEN OFF THE BUREAUS THAN PUT BACK ON. XXXX ITS BEEN PAID

Communication tactics

Various people calling my work and home number never stop. Rude threatening to call various departments and family member.

Incorrect information on your report

I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Experian shows {$6500.00} and closed and XXXX shows {$6600.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law. The account is with XXXX XXXX XXXX XXXX

Improper use of your report

I have contacted Equifax, XXXX and XXXX about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.

Managing an account

I use XXXX XXXXvand have a Wells Fargo account and Wells Fargo is n't sending updated transactions to XXXX XXXX and it 's keeping me from accessing the money.

Can't repay my loan

I was pressured and rushed into getting a private loan through XXXX XXXX rather than being given several options or time to seek out other loans. I am now stuck with a High interest loan with a high payment that I can not afford.

Problems when you are unable to pay

I have an old debt that filed to attach bank account at XXXX banks in the last 2 months. Now they send a letter head calling themselves some other name. I have filed bankruptcy chapter XXXX. Following an accident in which I am XXXX for 20 years. It 's embarrassing when they keep sending attachment to different banks and also sent proof of bankrupty. How do I make them stop?? I call and they are rude and disrespectful. I do n't know what else to do.

Improper use of your report

Call XXXX XXXX to inquire bout the notification requiring the inquires.The company direct me to call the credit bureau.Credit bureau states it was factual information.Its not.

Communication tactics

They keep calling me, however when I answer no one speaks and after about 10 seconds it will disconnect the call.

Deposits and withdrawals

My purse was stolen on XXXX XXXX. I reported the loss of my driver 's license and checking account debit credit card to both my bank, TCF, and the police. On Friday XXXX XXXX an individual made a fradulent withdraw of {$350.00} dollars from my checking account. The withdraw was made from a TCF bank in XXXX. I live in XXXX. Since then, TCF has refused to release the remaining funds in my checking account or refund my {$350.00}.

Incorrect information on credit report

There are inquires on my credit report that are not mine.

Dealing with your lender or servicer

They are charging me for a student loan for XXXX College in the year 2005. I never attended or took out a student loan or attended school that year. I 've told them about it and nothing has changed on my account. I asked that it be removed and drill nothing.

Cont'd attempts collect debt not owed

I keep receiving continued calls ( many times per week ) from the following number ( XXXX ) for a debt owed by my adult son who does not live with us. I have told at least XXXX different people to stop calling and they promise that they have put our number on a do not call list, but they continue to call.

Incorrect information on credit report

Your options do not list the proper option for this issue. XXXX is trying to collect a debt that I do not owe. They sued me and I won the law suit. The court determined this is NOT MY DEBT. I have attached both the judgement resolution AND the copy of the Equifax file stating that they contacted XXXX and are leaving it on the file.

Loan servicing, payments, escrow account

Green Tree Servicing has force-placed insurance after receiving proof of insurance from both the insurance agent and borrower. Multiple calls, faxes and emails have not resolved this issue and they continue to charge their own insurance premium. Multiple voice mails for supervisors have not been returned.

Credit determination

Explanation of complaint : I want to file a case of discrimination against dicover card. I made an application to Discover card. but was decline, the reason was " no credit record available. " how can you prove you are worthy of credit when they decline an application on first time. thanks a lot, mtan

Customer service / Customer relations

They stated that they are closing the account because of to many returned payments when I spoke to over seas customer service they told us XXXX basicly XXXX strikes and your done. The two payments where done because oh human error and it 's not right that they have so much out source help that do n't know right from wrong

Problems caused by my funds being low

I bank with BB & T. I had a small overdraft on my account. Well a few days later that small overdraft turned into {$350.00} in overdrafts. From what it looks like they moved transactions that I know had already cleared my account and caused even more overdraft fees. They also moved things around to look like I had more money than what I had in the account and I did n't realize what they had done until it was too late and I had all of these fees.

Improper use of your report

On XXXX XXXX, XXXX, I noticed a hard inquiry from XXXX that occurred on XXXX/XXXX/XXXX. I had applied for a XXXX credit card back in XXXX of XXXX, and there is also a hard inquiry from then ( as expected ). I do not believe I ever authorized the second pull that happened in XXXX.

Problems when you are unable to pay

i have XXXX auto leases with toyota financial services of XXXX .I am a XXXX resident and XXXX of the XXXX cars have no problem .The third vehicle was assigned an incorrect address so bills were not recieved as well as a cure letter or XXXX letter. toyota repossesed my car unknown to me and came on my private property while I was not home and took the car without knowledge

Attempts to collect debt not owed

I was notified by a company that I previously worked for that the county sheriffs requested them to attach my wages. When I contacted the lawyer, I was told that it was a bebt from 2008, and that XXXX had a court order against me. I have no clue about what they are talking about! And why after 8 years are they are they bothering me. WHY HAVE NOT I HEARD ANYTHING FOR 8 YEARS

Incorrect information on your report

I have inquiries on this account that i did not authorize or complete personally

Incorrect information on your report

Unauthorized Inquiries on my personal credit report : 1.XXXX XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX XXXX XXXX 6XXXX XXXX XXXX. 7XXXX 8XXXX XXXX XXXX XXXX 9XXXX XXXX 10.XXXX XXXX 11.XXXX XXXX 12XXXX 13.XXXX XXXX 14XXXX 15.XXXX XXXX

Deposits and withdrawals

XXXX XXXX has received collections letter for reimbursement of breach check from Citibank. However, I have not received a check from Citibank in the amount of {$66000.00} as of XXXX XXXX, 2016. It has exceeded a reasonable time-frame.

Cont'd attempts collect debt not owed

This robo call comes in every day for the last 4 months, I do n't know this company, have no outstanding debt with them and have never received written notice or proof of any debt.

Problem caused by your funds being low

I opened an account at bank of america, ove 20 years ago. I was told that no fees would be charged on my account as I have direct deposit. I just noticed that {$28.00} monthly fees have been assessed on my account erroneously. I attempted to speak with a supervisor and i was denied the opportunity to do so. I am requesting that Bank of America is contacted for an investigation

Managing the loan or lease

The interest rate santander charge my car was priced @ {$17000.00} the interest rate is {$20000.00} leaving me to pay {$37000.00} on a used car

Incorrect information on your report

I had a car loan with the company Mid West Acceptance. The vehicle I had I traded it in a a dealership for a new vehicle XX/XX/2014. Mid West Acceptance Marked me late on my payment for A payment when I no longer owned the vehicle. I spoke with a supervisor at Mid West Acceptance and he stated I got a late payment on my credit because of the dealership I traded the vehicle into.

Credit monitoring or identity protection

It is something on my report from XXXX that I know nothing about. I have not applied for anything from XXXX. It is a hard dispute. I do n't want any card from them. Do n't know what they are doing on my credit report. It was done from XX/XX/XXXX - XX/XX/XXXX. Thank you for your attention in this matter.

Dealing with my lender or servicer

Callings all-day long. Customer service is rude.. never received paper work because I '. Unemployed

Written notification about debt

I have a I do not recognize XXXX XXXX XXXX XXXX # XXXX account. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I owe. I request that XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Communication tactics

On XX/XX/2018, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, Weinstein & Riley ( WPR ). I phoned Weinstein & Riley ( WPR ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.

Improper use of your report

I recently received a copy of my credit report and it shows an inquiry by this company that I do not recall authorizing.

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

XXXX is not reporting an any of my trade lines and on my XXXX and XXXX it is reflecting that I was late and I was never late in XX/XX/2017. In addition they have negative trade lines that are over seven years that about 12 years and should be dropped or taken off. Which are California XXXX XXXX XXXX and XXXX.

Closing an account

I mailed a letter to them to close my XXXX XXXX account but no confirmation my account has been closed. I have enjoyed them as a bank but told them I have another account with another bank now with a higher APY.

Charged fees or interest I didn't expect

I have continually been called by summit receivables a collection company in regards to a payday loan lender. After many unsuccessful attempts to tell them to quit calling me they continue and while on the phone are very harassing, including will not disclose who they are or who they are with. They called From a local number XXXX. They called at all times of the day

Dealing with my lender or servicer

Payments are not allocated properly ; i.e. to the principal on the highest interest loan first.

Disclosure verification of debt

On XXXX/XXXX/2016 Bayview Loan Servicing became my new mortgage servicer. On XXXX XXXX, 2016, I received a welcoming package from same company that did NOT include a debt validation notice, as I understand is required by law under the FDCPA. I 've checked the front and back of the documents, which I have attached.

Loan modification,collection,foreclosure

BANK OF AMERICA CLAIMS TO BE THE OWNER OF MY MORTGAGE AND SO DOES XXXX XXXX XXXX, BOTH OF THESE ARE LISTED ON MY CREDIT REPORT AS OWNING THE EXACT SAME DEBT, MY HOME IS IN FORECLOSURE FOR NEARLY 4 YEARS NOW AND SET TO BE SOLD ON XXXX/XXXX/15 WITH NEITHER OF THESE ARE THE CREDITOR!!! BOA IS THE PLAINTIFF AND IS UNDER REVIEW WITH XXXX OFFICE.

Incorrect information on credit report

My wife 's SS number used on my report ( personal information ) on the trans union credit report.

Billing disputes

I am being billed by Home Depot for order # XXXX, which was cancelled and never received. I am attaching some of my correspondence to Home Depot disputing this and asking for a full credit to be issued to account # XXXX, which they have not answered.

Cont'd attempts collect debt not owed

Debt was paid.

Managing the loan or lease

I believe i may have been a victum of fraud by USA discounters. Looking for more information.

Using a debit or ATM card

My Bluebird Amexican Express debit card was suddenly shut down without any explanation. I am unable even to veiw my statements.

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

XX/XX/2017 XXXX is only credit reporting 30 days late on XXXX XXXX account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. XXXX and XXXX corrected and updated my account information. I have written letters to XXXX to remove lates because that is not accurate information. But have not been able to get this resolved.

Taking/threatening an illegal action

Threating to retaing license or funds of vehicle if XXXX is not payed as there invovled in organized fraud and breaching of data

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

There is a collection account on my credit file for {$380.00} from a XXXX XXXX XXXX. I have disputed this item several times because I have no knowledge of this account. I requested validation of this debt and never received anything.

Communication tactics

They called my son and told him that they are creditors and they need to up date my info

Communication tactics

I receive multiple phone calls from XXXX till XXXX sometimes everyday if I dont pick up. I have a DO NOT Call at work on my account and they have called me at work.

Incorrect information on your report

On XXXX/XXXX/XXXX I filed bankruptcy. OneMain Financial was sent the bankruptcy paperwork from my lawyer. OneMain still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. OneMain has exceeded the time limit to fix this on my credit report.

Disclosure verification of debt

My daughter is suspected of this credit fraud. My question to this act is, a credit check should have caught this. Valid identification is required, yet this account was opened? Opened : XXXX XXXX 2016, amt. {$520.00}

Cont'd attempts collect debt not owed

I have XXXX accounts that were included in a bankruptcy and it was discharged in XXXX 2015. Transworld or TSI/XXXX as it shows on my credit report is still showing these accounts as open collections with remarks of Chapter XXXX Bankruptcy next to them.

Struggling to pay mortgage

This is the second request for help with my mortgage. I currently owe XXXX to prevent foreclosure. I was denied a second time any workout options. I am required to pay the full XXXX before XXXX XXXX. I explained to my mortgage company that my husband got a part time job for more income but no other options were offered. Please help me.

Credit monitoring or identity protection

I signed up to check my FICO score at Experian.com. This was supposed to cost {$5.00}. I was then apparently enrolled in a monthly recurring program, and charged a fee of {$19.00} per month. Experian refused to refund XXXX of the XXXX charges.

Cont'd attempts collect debt not owed

This, supposedly, is a medical collection that was contracted out to a collection agency. I have no idea of who this company is or what debt they are attempting to collect on. This is a violation of my HIPAA Rights. Remove completely from my credit file at once.

Communication tactics

The debt collector begins to call me the day after a payment is late and calls me non stop every XXXX hours demanding I make a payment. This has been going on for months now of non stop abuse. As soon as I make the payment the calls stop.

Loan modification,collection,foreclosure

I have already filed a compliant and received a letter from nation star. I filed complaint in XXXX 2016. The letter from nationstar said they were looking into my compliant and wood have an answer by XXXX XXXX 2016. I 'm still waiting. Now I received a letter from nation stars attorney and it said that our home would be sold at auction on XXXX XXXX 2016. Now what do we do?

Improper use of your report

Equifax suffered a security breach, exposing my personal information to risk.

Incorrect information on your report

Chase & XXXX has different information regarding this charge off. This account was closed twice once in XX/XX/XXXXand XX/XX/XXXX according to XXXX. Chase only has record of it being closed once. I'm not sure if they both have the same charge off date but XXXX reported XX/XX/XXXX as the final charge off. They both have inaccurate information regarding this debt.

Incorrect information on your report

XXXX XXXX XXXXEquifax A XX/XX/XXXX {$15000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF {$0.00} THIS ACCT. WAS NOT A CHARGE-OFF, THIS ACCT. WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX. PLEASE CORRECT ACCORDINGLY ... THANK YOU

Struggling to pay mortgage

my XXXX sister XXXXXX/XX/XXXX, with a reverse mortgage.i promised her that i would take of the funeral exspenses and etc. i notified the mortgage co. and other envolved parties of her death.we were told that her real property would go back to the mortgage co. it has been over 4 years since my sisters XXXX, and the property is still vacant. now the mortgage co. is threatning to sue me to payoff the loan balance.i have no connection with her property or her mortgage

Attempts to collect debt not owed

As a Class Member of the XXXX XXXX XXXX Data Breach, I assert that this debt is likely caused by an Act of Personal Identity Theft by an unknown perpetrator.

Incorrect information on credit report

Allied Collection services was representing for XXXX XXXX and made an agreement with me for a pay to delete. The account was paid in full and still remains to show as a PAID closed account in collections on my XXXX credit report.

Incorrect information on credit report

I filed bankruptcy in XXXX of 2010. There are several medical collection items that were included in my bankruptcy that still show open on all XXXX credit bureaus. I would like to have them removed and am not sure how I can do that?

Improper use of your report

XXXX XXXX RAN MY CREDIT TWICE WAS SUPPOSED TO SOLF XXXX AND EXPERIAN ERRORS.

Problem with fraud alerts or security freezes

FYI - THIS COMPLAINT IS SEPARATE & DIFFERENT FROM THE PREVIOUS COMPLAINT TODAY.., SO THERE IS NO EXTENSION OF TIME TO INVESTIGATE. THE CLAIM OF SUCH WILL PROVE TO BE A BLATANT VIOLATION OF FRCA RULES ... Equifax RE : # XXXX, states a fraud alert was added to my file that I NEVER requested. This violates the FCRA and my rights ...

Attempts to collect debt not owed

I submitted a dispute to XXXX about the creditor, the credit was dismissed by the original creditor as not being mine.