determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Communication tactics	Conn 's ( www.conns.com ) a seller of electronics and furniture.. I have an account with them, have NEVER missed a payment, although I have been a day or XXXX late.. as the due date does not always coincide with my payday.. the begin to call INCESSANTLY several times an hour to my cell phone.. interrupting me at work, during dinner..
Written notification about debt	Per the state of IL a collection agency MUST be licensed in the state in order to collect! XXXX is not licensed and they refuse to remove this off of my credit!
Problem with a credit reporting company's investigation into an existing problem	{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.
Improper use of your report	Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.
Problem with a credit reporting company's investigation into an existing problem	XXXX closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on XXXX and Transunion.
Dealing with your lender or servicer	Basically, Navient told me that my student loans were not paid and charged me fees even though they were paid and they were paid on time. Then, they were supposed to refund me my overpayment and they keep giving me the run around ... .it has been over a month now and I keep calling however, no one has settled the problem.
Dealing with my lender or servicer	I enrolled in student loan thru sallie mae in XX/XX/2014 When my loan came due it was very difficult to understand how to enroll in my repayments options ( income driven vs normal ) as well as enrolling the proper account to use in the repayment.
Incorrect information on credit report	I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.
Incorrect information on credit report	I am formally requesting that this item " Satisfied Judgement Case Number XXXX '' be investigated and removed from my credit report. Accordingly, I can show a judge that these items meet the requirements for removal. Please note I am a XXXX Veteran XXXX
Taking out the loan or lease	This vehicle had a bumper to bumper warranty on it. They never honored the warranty and I was looking at {$4000.00} in repairs. I had several dealerships try and work with them and they would not budge. After 2 months of not having a vehicle I let took it back.
Incorrect information on credit report	I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX
Taking/threatening an illegal action	Filing action with court multiple times even though I have a payment agreement inplace. I believe they searched out my name a acquired any accounts and filed claims, knowing that they could collect more.
Dealing with my lender or servicer	I have XXXX private loans with navient and XXXX with XXXX. Since XX/XX/2011 I have been paying a loan of original balance XXXX and XXXX of XXXX. So far they I have a couple of years more to pay them due to high interest. I have loans with a 4.750 % interest and XXXX with a 11.375 % interest. Sometimes I cant afford any other things for personal use due to so many student debt
Incorrect information on credit report	I have absolutely no connection to XXXX XXXX XXXX and want it removed from my credit immediately. If found that someone else used my credit, I want to prosecute to the fullest extent.
Improper use of your report	Hard inquiry against my credit report exists, without my knowledge, and consent by Avantus LLC, on XX/XX/2017, which I dispute and would want to be removed
Incorrect information on your report	I do not have a XXXX XXXX XXXX credit card but, there is an account showing on my credit report from Synchrony Bank. Please remove this account from my credit file.
Problems when you are unable to pay	Today is XX/XX/XXXX. I have had 4 phone calls from Ally Financial today. I am only 9 days late on my payment at this time. There are days that Ally will call me up to 6 times a day. They also call before XXXX!
Managing an account	My TD bank is blocking me from enabling external applications. I need to have access to my financial data in app. I need to open a XXXX account
Taking/threatening an illegal action	Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.
Application, originator, mortgage broker	XXXX years ago Notice of Rescission was submitted to Decision XXXX company within the XXXX day window. Decision XXXX sold the note and mortgage to XXXX. XXXX foreclosed on the property and sold the property to a person. Said person had XXXX XXXX the persons living in said home, the home owners of record. An act that disregarded the US Supreme Court in XXXX decission.
Billing disputes	I have never had a late payment on my credit ever. I signed up for a cap1/mnrds account on XXXX XXXX XXXX on my 6th payment the reported me lage 30-59 days late. I never recieved a statement and I had called numerous times why I had not gotten the statement. I was advised to wait until i got my next statement. I recently signed up for XXXX and noticed this error on my credit. I contacted capital one and they said to make the complain to the credit bureau and refused to help me.
Incorrect information on your report	I did n't recognize these accounts : " XXXX XXXX XXXX Account # XXXX '' " XXXX XXXX Account # XXXX ''
Incorrect information on credit report	As of Tuesday, XXXX XXXX, 2017, Equifax is still reporting a debt of {$100.00} to XXXX for XXXX REASON FOR DISPUTE : Balance is incorrect ( needs to be updated ). This record contains multiple inaccuracies purposely known and reported by XXXX
Settlement process and costs	In 2013 I was offered a loan modification. As part of the modification I was charged {$22000.00} in interest. Although I accepted the loan modification, Chase has not been able to explain to me why I was charged this amount of interest and why it was added to my loan balance. I have attached a copy of the loan modification showing the {$22000.00} in interest.
Improper use of your report	I have tried on numerous occasions to contact the credit companies and also credit bureaus to get these inquiries removed because they are unauthorized.
Incorrect information on credit report	deleted from XXXX credit report but not the rest of them even after sending the letter i was sent that it was going to deleted
Incorrect information on your report	XXXX XXXX XXXX XXXX amount is {$2500.00}. This account does not belong to me
Incorrect information on your report	XXXX reporting inquires that are not mine wont send me credit report to see whats on there cra violation
Took or threatened to take negative or legal action	Credit Control, LLC has been harassing me for the past two years stating I owe them {$240.00} from an XXXX XXXX credit card.. I have responded to this on numerous occasions reporting to them I have excellent credit and this is not my debt ... .What they list is not even my XXXX XXXX credit card number. If the harassment does not stop I will contact my lawyer and take them to court.
Account opening, closing, or management	I have opened the account of Bank of America and they indicated that if all of my account together have more then USD 10,000 balance i would not be charged monthly maintenance Fees. but all of sudden they started charging without any notice. And they agree although rep did not inform correctly we ca n't do anything
Dealing with my lender or servicer	Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and XXXX contains 8 late payments on my NAVIENT
Incorrect information on your report	My account was approve for Forbearance from XXXX XXXX XXXX . Navient reported late payments for this time frame. I provided the proof that my forbearance was approve but they refuse to update my credit report accordingly.
Communication tactics	I have a delinquent debt which I know is delinquent and I sincerely want to make right. The representatives called me names, belittled me, and humiliated me while others listened in. I was so embarrassed that I hung up and burst into tears. This agency also has been deceptive multiple times. The first representative offered a certain number that I called to attempt to repay, but then the company denied that the offer was made.
Written notification about debt	CONVERGENT OUTSOURCING CONTINUES TO UNLAWFULLY REPORT TO XXXX AND XXXX DISPUTED 3RD PARTY DEBT TO WHICH CONVERGENT HAS NOT PROVIDED DOCUMENTS TO VERIFY AND/OR VALIDATE THE DISPUTED DEBT. I HAVE NEVER HAD A XXXX ACCOUNT AND CONVERGENT HAS ONLY EVER PROVIDED XXXX STATEMENT ( S ) ABSENT ANY OTHER DOCUMENTATION. CASE LAW IS CLEAR THAT SUCH STATEMENT ARE INSUFFICIENT.
Incorrect information on your report	I have a hard inquiry from XXXX XXXX on my Experian credit report dated XXXX XXXX, XXXX that does not belong to me. I have attempted to resolve this with Experian via phone and CFPB but am told to contact the creditor. I have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report on XXXX XXXX, XXXX. XXXX XXXX has not responded to my request. Please have this record removed from my report immediately.
Account opening, closing, or management	I signed up for a Citi checking bank account. There was a promotional offer advertised on their website with promo code XXXX. I fulfilled my obligations and met the requirements for me to earn the {$400.00} bonus. I waited the required time frame of 90 days and Citi has failed to honor the bonus offer. My request is for Citi Bank to honor the bonus by paying me my {$400.00}
Communication tactics	Receiving unwanted phone calls from XXXX. Last time they try was XXXX/XXXX/2015 at XXXX XXXX.
Problems caused by my funds being low	My bank TCF is charging {$74.00} in fees for XXXX One charge of XXXX was posted and left me with a positive balance of XXXX so I was not negative and was still charged a fee!!! The next charge was XXXX and another fee so I am over {$80.00} in debt now thanks to TCF 's ridiculously backwards fee charging which needs to be looked into.
Loan servicing, payments, escrow account	I am filing a complain against Stearns Lender for charging me too much for MIP. I had FHA loan with " Stearns Lender ''. My loan was paid off on XXXX/XXXX/15. Although the MIP was {$900.00}, I was charged for {$1700.00} for " prorated MIP ''. I called Stearns XXXX times to address the issue. Unfortunately with no resolution. I kindly appreciate for any help in this matter. I am also filing a small claim in court.
Incorrect information on your report	Paid off my XXXX XXXX and XXXX XXXX XXXX XXXX credit cards over three yrs, and it still showing up in my credit report.also someone is trying to get credit with my name
Credit reporting company's investigation	I provided Tranunion a affidavit of fraud and a XXXX XXXX Police report. I received a letter stating they would not do an identity block because I did not provide a valid law enforcement report. So, it could not be accepted. This is a valid report issued by XXXX XXXX police department and all the information can be verified.
Communication tactics	XX/XX/17 approx XXXX Credit Management Services located in Nebraska called my employer, masking their number and asked to speak with me regarding a {$250.00} medical bill. I have spoke with them on at least three other occasions, and asked that they not call me at work. I once again told them not to contact me through this number.
Cont'd attempts collect debt not owed	I first received a bill from I C Systems Inc regarding an unpaid balance for XXXX back in XXXX of XXXX. I contacted this collection agency to advise that this account was discharged in my Chapter XXXX Bankruptcy. I know as of today XXXX/XXXX/XXXX discovered this collection agency has put this on my credit report as a negative collection. The original date of the bill was XXXX/XXXX/XXXX
Improper use of your report	Equifax improperly protected my most personal information and allowed it to be leaked to unknown parties which could negatively impact my finances. This potentially could cause difficulties and stress at a later date for me and my family. I have placed a 90 fraud alert on my account, however, after the 90 days, I would be unprotected and my information is still in unknown hands. After the 90 days, I am still at risk.
Problem with a credit reporting company's investigation into an existing problem	This company CBNA made a hard pull on my credit report affecting me by my score to go down several points i never sign up for nothing whit this people and there 's no much of info about this company CBNA XXXX XXXX, SD XXXX
Incorrect information on credit report	Inquires were deleted from my Transunion credit report then added back later.
Managing the loan or lease	Chase Auto Finance assessed a XXXX late fee on my account that was 21 days past due. The total balance left on the account is XXXX and I believe this is excessive as most creditors will charge at the most XXXX as a late fee. The excuse I got from the creditor is " that we already gave you an adjustment last month and the system will not allow it ''. I believe they are trying to make up for all the other adjustments they gave during the course of my 72 month loan.
Problems when you are unable to pay	I asked for my payments to be reduced and filed all the necessary paperwork XXXX and they keep saying it was n't received. I have the fax confirmation proving it transmitted successfully.
Cont'd attempts collect debt not owed	ERC continues to send notices of a XXXX debt we do n't owe ( to someone with a different account # and same last name -- but who does not live here ) even after we sent them proof from XXXX that our last bill was paid years ago.
Improper use of your report	Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted XXXX, XXXX, equifax to report unauthorized inquiries and they failed to remove the inaccuracies on my report
Disclosure verification of debt	I keep receiving phone calls on my company cell phone and my company landline relating to a debt owed. I am unaware of this debt. Today the automated number called a coworker 's land line. I have requested proof of the debt XXXX times now, and it has not been delivered once. I will not pay until a validation of debt is sent. They continue to harrass me and will not provide the validation. I have read online that it is a scam.
Cont'd attempts collect debt not owed	someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap
Improper use of your report	These XXXX leaked my information to XXXX and everybody. Please send them to XXXX to be XXXX, where they know how to handle these kinds of things.
Incorrect information on your report	I am including my marriage license per your request. I will send a copy of my social security card, birth certificate, my parents Death Note.
Incorrect information on your report	I had a IRS tax lien placed on me XXXX/XXXX/XXXX. I paid it off and the lien was released XXXX/XXXX/XXXX. Therefore, I have no balance and the negative report should disappear. I requested the change by XXXX and XXXX. They made no changes and claimed their data was correct. XXXX XXXX removed the negative report when I requested it.
Improper use of your report	My SSN and potentially other PII such as addresses, credit card # s, drivers license #, etc. were compromised as part of a cybersecurity hack sometime in late XXXX, XXXX ( per Equifax 's website ). Equifax itself did not notify the public of this incident ( which is estimated to affect 140+ million people ) until 6 weeks after the attack. I only came to know through indirect channels ( nobody from Equifax contacted me ).
Using a debit or ATM card	I made a purchase online using my debit card which was linked to my XXXX account. When I received the item it was not an authentic item. I tried reaching the seller and got no response. I called XXXX and they informed me to call the bank as they were not the funding source. I called the bank and disputed charge and was informed via phone and mail that I can not be helped and they were sorry I have to get a hold of the seller.
Incorrect information on your report	XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.
Making/receiving payments, sending money	Key Bank failed to deliver funds by the " guaranteed date '' to a payee from my checking account.
Customer service / Customer relations	I have a durable power of attorney for my mother 's Wells Fargo credit card account. Sent copy of POA to Wells Fargo twice. Wrote letters twice. They acknowledged each time in writing. Despite the effort on my part, Wells Fargo continues to deny me access to the account. Customer Service makes NO EFFORT to resolve. Just refuses to help.
Incorrect information on credit report	XX/XX/2012 I was taken against my will and authorization to a XXXX hospital to the XXXX and was not able to leave for 3 weeks, XXXX County Sheriff had me placed there. For no reason. I am not paying for this bill, in fact I have a lawsuit against XXXX County Sheriff and the Hospital.
Incorrect information on credit report	I have informed you that the XXXX Account that is reporting on my credit file is not my account. Please removed this account from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.
Cont'd attempts collect debt not owed	I do not owe this debt I continue to contact the company and credit bureaus in letters to dispute and it still remains open. I wish to have it removed seeing as it is not mine, I have no knowledge of the account and have never done business with this company or the original creditor.
Incorrect information on credit report	Personal loan that was removed was converted fraudulently to educational loan so they reinserted it onto my credit report. The dates, amounts and historical info are wrong
Incorrect information on your report	XXXX XXXX {$180.00} PAID YEARS AGO THRU XXXX . XXXX XXXX {$310.00} PAID YEARS AGO THRU XXXX
Payoff process	I asked wellsfargo to cancel a credit card and pay it in full, they did not process a transaction for paying in full, they only withdrew the minimum. I also asked that they send me paper statements because I have had so much difficulty with the website. They assured me all of my accounts had been transferred to paper. I did not receive any statements in the mail and they continued to charge me interest and fees on an account that should have been closed.
Charged fees or interest I didn't expect	My loan amount was for {$600.00}, the was {$210.00} which equals to a payoff of $ XXXX.i did n't know that the APR was gon na be 786.51 % before I summit my loan, cause it does n't show you that when you apply.
Problems when you are unable to pay	XXXX XXXX ASSOCIATES HAVE CALED ME AGAIN IN VIOLATION OF A CEASE AND DESIST UNDER FAIR DEBT COLLECTION PRACTICES OF 1968.THEY NEED TO STOP VIOLATING THE LAW
Problem with a credit reporting company's investigation into an existing problem	I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : AMEX Account # : XXXX I was never late 30, 60, or 90 days late in the months of XXXX, XXXX and XXXX. Im not sure how this happened, I have alway made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Unable to get credit report/credit score	Experian continues to refuse me online access to my annual credit report. For the third consecutive year they have denied my request. My most recent attempt was on XXXX/XXXX/16. I have attached a pdf copy of the refusal.
Delinquent account	There is a charge on my credit report from HSBC that is over 10 years old. I have contacted the company and asked for the contract showing this is a valid debit and they have refused to send what I am asking. All they have sent me is a statement telling me this is a valid date, but no signed contract.
Incorrect information on your report	There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in XXXX letters, XXXX fax, and called once and nothing has been changed. The only address that should appear : XXXX XXXX XXXX XXXX , Ky XXXX The only Employer that should be listed is : XXXX XXXX
Disclosure verification of debt	Unknown item, I have disputed and nothing has been received. I do not owe an XXXX bill nor have I had one in many years.
Incorrect information on your report	Equifax still isnt reporting all of my accounts that are in good standing! I have filed a complaint against them and they responded saying they were working on it and yet THEY HAVE NOT DONE ANYTHING!
Taking/threatening an illegal action	Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses
Cont'd attempts collect debt not owed	could you please check the account in collection? I do n't think it mine.
False statements or representation	Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 XXXX ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. The companies are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Application, originator, mortgage broker	My name is XXXX XXXX and my property was foreclosed by ShellPoint Mortgage while I was in review for loan modification, I property is now owned by a 3rd party as of XX/XX/2017. I believe ShellPoint did not follow the proper Home Owner Bill Of Rights procedures as I feel I was a victim of dual tracking.
Incorrect information on your report	There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several times.
Closing your account	I 've had an old navy credit card for quite some time now. I 've never had a late or missed payment. I paid the credit card balance off which was {$140.00} and they closed my account. I feel as if this looks bad on my credit report. I 've been a very loyal customer.
Dealing with my lender or servicer	Navient failed to apply additional principal towards despite express instructions to do so. Navient also piled on numerous late fees despite paying on time. And, despite disputing the amount owed countless times, Navient turned my student loan over to a company - XXXX - I 've never heard and now my student loan is in default and damaging my credit history!
Loan servicing, payments, escrow account	I was never notified from ruoff my lender that my loan had been sold to XXXX. My payments were returned after I received a letter my mortgage payment was late with a new company I 've never heard of. I 'm furious they also ca n't etc up biweekly payments for another eek or so
Incorrect information on your report	The alleged Bankruptcies were not filed by myself and do not belong to me. I have disputed this with the credit bureaus and I also supplied a letter from the Bankruptcy Court stating they don't report to the bureaus.
Incorrect information on your report	XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to Capital One/XXXX XXXX with his information that resulted in an inquiryXX/XX/XXXX; an official dispute of this information was sent certified mail to Capital One/XXXX XXXX XX/XX/XXXX however a review of credit report still lists this information which is a violation of consumer laws and the FCRA.
Late fee	assessed a late payment fee on my card made payment on time
Managing, opening, or closing account	Tried to activate a prepaid card with netSpend, they wanted me to submit paper proof of drivers license, birth certificate and social security card. No other service has ever asked for that when activating a PREPAID card. Then I could n't get a refund, they made the card a one time use, did n't get the fee I paid for the card back just the money I loaded.
Struggling to pay your loan	I 'm late on my car payments but still pay every month. I 've requested to change the due date on the loan since it is at the beginning of the month, same as my rent is due. They have not done anything to try and accommodate this. Also they call me over three times a day demanding payment, Including Sunday 's and early morning/late evenings.
Problem when making payments	I have been trying to make a payment to PayPal Credit for 2 weeks. When I call, the representatives will not take my account number or other identifying information. Then I emailed the CEO of PayPal who had a man call me - he said he would get back to me, but never did. To this day I can not make a payment because when I call the number on my statement nobody will look up my account to help me.
Communication tactics	Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that.
Incorrect information on your report	On XXXX XXXX ,2017 I wa s notified by XXXX that a new collection had appeared on my credit file upon investigating I found out that this item had been disputed and deleted previously. Agencies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received a notice within 5 days telling me they we reinserting this information
Disclosure verification of debt	I did not receive the debt verification they say they did send. I was offered a settlement on a unverified debt. I feel harassed by these people.
Taking/threatening an illegal action	XXXX XXXX at XXXX XXXX called me and told me that I was going to have a warrant for my arrest if I did n't make a payment on a debt from 5 years ago. They were attempting to get XXXX in total. I blindly sent XXXX dollars to these con-artist.
False statements or representation	I have XXXX parent plus loans to pay off. This company has added XXXX additional fees to each loan totaling {$13000.00} Extra they are collecting on the plus loans and the fees go up each month.
Incorrect information on your report	Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues
Loan servicing, payments, escrow account	After messing up my escrow XXXX sold my mortgage to Carrington Mortgage Services as of XXXX/XXXX/2015. I made my XXXX payment to XXXX and the check was cashed as of XX/XX/XXXX. Carrington has been harassing me over the payment since XX/XX/XXXX, and has been notified several times that the payment was made to XXXX in XX/XX/XXXX.
Incorrect information on your report	Experian is reporting a account that is fraud and its not mines a car loan from XXXX XXXX i never open a account with this company its fraud and need to be removed off my credit report
Incorrect information on credit report	XXXX XXXX XXXX XXXX XXXX is reporting Docket # XXXX on my Experian Credit file. Due to the XXXX v. XXXX lawsuit, all Virginia Court filings should not be reporting. This is the only public record from a Virginia Court that remains on my credit files, most recently, I submitted a complaint about XXXX in XXXX 2016 and those accounts were deleted from my XXXX report. I was made aware of the XXXX Case while completing a Mortgage Pre-Qualification.
Incorrect information on your report	XXXX is XXXX is still reporting bankruptcies that came back from the courts unverified and after the proof were sent to them they are still reporting them and stating that it is accurate when in fact it is not. I tried to resolve this with them and they have not provided any validation or proof.
Improper use of your report	I have two credit inquiries from XXXX dated :XX/XX/XXXX and XX/XX/XXXX that I did not authorize. I sent a certified letter to XXXX regarding the unauthorize inquiries. They sent me a letter back telling me to dispute transunion. Transunion wo n't except the letter XXXX sent me regarding credit removal of inquires.
Cont'd attempts collect debt not owed	Medical debts incurred for treatment and show all balances paid in XXXX 2016. Current account site shows {$0.00} balance due. Credit agency attached a derogatory account status. Medical provider was XXXX in IL. Current review of my account balances show no funds due. All accounts with no balance due.

Communication tactics

Conn 's ( www.conns.com ) a seller of electronics and furniture.. I have an account with them, have NEVER missed a payment, although I have been a day or XXXX late.. as the due date does not always coincide with my payday.. the begin to call INCESSANTLY several times an hour to my cell phone.. interrupting me at work, during dinner..

Written notification about debt

Per the state of IL a collection agency MUST be licensed in the state in order to collect! XXXX is not licensed and they refuse to remove this off of my credit!

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

{$1200.00} of balance from XXXX XXXX XXXX has been on my credit report for 9 years. I have tried to remove them but has not been successful.

Improper use of your report

Company XXXX XXXX keeps running my credit every 3months, I dont know this company and never applied with them. A lot of hard inquires on file, I have no knowledge of. A lot of fraudulent inquires.

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

XXXX closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on XXXX and Transunion.

Dealing with your lender or servicer

Basically, Navient told me that my student loans were not paid and charged me fees even though they were paid and they were paid on time. Then, they were supposed to refund me my overpayment and they keep giving me the run around ... .it has been over a month now and I keep calling however, no one has settled the problem.

Dealing with my lender or servicer

I enrolled in student loan thru sallie mae in XX/XX/2014 When my loan came due it was very difficult to understand how to enroll in my repayments options ( income driven vs normal ) as well as enrolling the proper account to use in the repayment.

Incorrect information on credit report

I inadvertently defaulted on a XXXX account with a balance of {$690.00}. This amount in full was paid DIRECTLY to XXXX and there is now a {$0.00} balance with them. This should NOT be with a collection agency or reporting as such with any credit bureaus. Upon disputing this with the bureau, they claim to have verified it, although I was able to verify with XXXX that there is no balance on my account.

Incorrect information on credit report

I am formally requesting that this item " Satisfied Judgement Case Number XXXX '' be investigated and removed from my credit report. Accordingly, I can show a judge that these items meet the requirements for removal. Please note I am a XXXX Veteran XXXX

Taking out the loan or lease

This vehicle had a bumper to bumper warranty on it. They never honored the warranty and I was looking at {$4000.00} in repairs. I had several dealerships try and work with them and they would not budge. After 2 months of not having a vehicle I let took it back.

Incorrect information on credit report

I am requesting that EXPERIAN immediately delete the address listed on my credit file as reported and previously listed on the EXPERIAN Credit File as : XXXX XXXX XXXX XXXX XXXX WA XXXX. Address indentification number : XXXX, Geographical code : XXXX

Taking/threatening an illegal action

Filing action with court multiple times even though I have a payment agreement inplace. I believe they searched out my name a acquired any accounts and filed claims, knowing that they could collect more.

Dealing with my lender or servicer

I have XXXX private loans with navient and XXXX with XXXX. Since XX/XX/2011 I have been paying a loan of original balance XXXX and XXXX of XXXX. So far they I have a couple of years more to pay them due to high interest. I have loans with a 4.750 % interest and XXXX with a 11.375 % interest. Sometimes I cant afford any other things for personal use due to so many student debt

Incorrect information on credit report

I have absolutely no connection to XXXX XXXX XXXX and want it removed from my credit immediately. If found that someone else used my credit, I want to prosecute to the fullest extent.

Improper use of your report

Hard inquiry against my credit report exists, without my knowledge, and consent by Avantus LLC, on XX/XX/2017, which I dispute and would want to be removed

Incorrect information on your report

I do not have a XXXX XXXX XXXX credit card but, there is an account showing on my credit report from Synchrony Bank. Please remove this account from my credit file.

Problems when you are unable to pay

Today is XX/XX/XXXX. I have had 4 phone calls from Ally Financial today. I am only 9 days late on my payment at this time. There are days that Ally will call me up to 6 times a day. They also call before XXXX!

Managing an account

My TD bank is blocking me from enabling external applications. I need to have access to my financial data in app. I need to open a XXXX account

Taking/threatening an illegal action

Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.

Application, originator, mortgage broker

XXXX years ago Notice of Rescission was submitted to Decision XXXX company within the XXXX day window. Decision XXXX sold the note and mortgage to XXXX. XXXX foreclosed on the property and sold the property to a person. Said person had XXXX XXXX the persons living in said home, the home owners of record. An act that disregarded the US Supreme Court in XXXX decission.

Billing disputes

I have never had a late payment on my credit ever. I signed up for a cap1/mnrds account on XXXX XXXX XXXX on my 6th payment the reported me lage 30-59 days late. I never recieved a statement and I had called numerous times why I had not gotten the statement. I was advised to wait until i got my next statement. I recently signed up for XXXX and noticed this error on my credit. I contacted capital one and they said to make the complain to the credit bureau and refused to help me.

Incorrect information on your report

I did n't recognize these accounts : " XXXX XXXX XXXX Account # XXXX '' " XXXX XXXX Account # XXXX ''

Incorrect information on credit report

As of Tuesday, XXXX XXXX, 2017, Equifax is still reporting a debt of {$100.00} to XXXX for XXXX REASON FOR DISPUTE : Balance is incorrect ( needs to be updated ). This record contains multiple inaccuracies purposely known and reported by XXXX

Settlement process and costs

In 2013 I was offered a loan modification. As part of the modification I was charged {$22000.00} in interest. Although I accepted the loan modification, Chase has not been able to explain to me why I was charged this amount of interest and why it was added to my loan balance. I have attached a copy of the loan modification showing the {$22000.00} in interest.

Improper use of your report

I have tried on numerous occasions to contact the credit companies and also credit bureaus to get these inquiries removed because they are unauthorized.

Incorrect information on credit report

deleted from XXXX credit report but not the rest of them even after sending the letter i was sent that it was going to deleted

Incorrect information on your report

XXXX XXXX XXXX XXXX amount is {$2500.00}. This account does not belong to me

Incorrect information on your report

XXXX reporting inquires that are not mine wont send me credit report to see whats on there cra violation

Took or threatened to take negative or legal action

Credit Control, LLC has been harassing me for the past two years stating I owe them {$240.00} from an XXXX XXXX credit card.. I have responded to this on numerous occasions reporting to them I have excellent credit and this is not my debt ... .What they list is not even my XXXX XXXX credit card number. If the harassment does not stop I will contact my lawyer and take them to court.

Account opening, closing, or management

I have opened the account of Bank of America and they indicated that if all of my account together have more then USD 10,000 balance i would not be charged monthly maintenance Fees. but all of sudden they started charging without any notice. And they agree although rep did not inform correctly we ca n't do anything

Dealing with my lender or servicer

Thank you for taking the time to read this letter, and I hope your day is going well. I 'm writing because I noticed that my most recent credit reports from XXXX, XXXX, and XXXX contains 8 late payments on my NAVIENT

Incorrect information on your report

My account was approve for Forbearance from XXXX XXXX XXXX . Navient reported late payments for this time frame. I provided the proof that my forbearance was approve but they refuse to update my credit report accordingly.

Communication tactics

I have a delinquent debt which I know is delinquent and I sincerely want to make right. The representatives called me names, belittled me, and humiliated me while others listened in. I was so embarrassed that I hung up and burst into tears. This agency also has been deceptive multiple times. The first representative offered a certain number that I called to attempt to repay, but then the company denied that the offer was made.

Written notification about debt

CONVERGENT OUTSOURCING CONTINUES TO UNLAWFULLY REPORT TO XXXX AND XXXX DISPUTED 3RD PARTY DEBT TO WHICH CONVERGENT HAS NOT PROVIDED DOCUMENTS TO VERIFY AND/OR VALIDATE THE DISPUTED DEBT. I HAVE NEVER HAD A XXXX ACCOUNT AND CONVERGENT HAS ONLY EVER PROVIDED XXXX STATEMENT ( S ) ABSENT ANY OTHER DOCUMENTATION. CASE LAW IS CLEAR THAT SUCH STATEMENT ARE INSUFFICIENT.

Incorrect information on your report

I have a hard inquiry from XXXX XXXX on my Experian credit report dated XXXX XXXX, XXXX that does not belong to me. I have attempted to resolve this with Experian via phone and CFPB but am told to contact the creditor. I have sent a CERTIFIED LETTER requesting to remove this erroneous record from my report on XXXX XXXX, XXXX. XXXX XXXX has not responded to my request. Please have this record removed from my report immediately.

Account opening, closing, or management

I signed up for a Citi checking bank account. There was a promotional offer advertised on their website with promo code XXXX. I fulfilled my obligations and met the requirements for me to earn the {$400.00} bonus. I waited the required time frame of 90 days and Citi has failed to honor the bonus offer. My request is for Citi Bank to honor the bonus by paying me my {$400.00}

Communication tactics

Receiving unwanted phone calls from XXXX. Last time they try was XXXX/XXXX/2015 at XXXX XXXX.

Problems caused by my funds being low

My bank TCF is charging {$74.00} in fees for XXXX One charge of XXXX was posted and left me with a positive balance of XXXX so I was not negative and was still charged a fee!!! The next charge was XXXX and another fee so I am over {$80.00} in debt now thanks to TCF 's ridiculously backwards fee charging which needs to be looked into.

Loan servicing, payments, escrow account

I am filing a complain against Stearns Lender for charging me too much for MIP. I had FHA loan with " Stearns Lender ''. My loan was paid off on XXXX/XXXX/15. Although the MIP was {$900.00}, I was charged for {$1700.00} for " prorated MIP ''. I called Stearns XXXX times to address the issue. Unfortunately with no resolution. I kindly appreciate for any help in this matter. I am also filing a small claim in court.

Incorrect information on your report

Paid off my XXXX XXXX and XXXX XXXX XXXX XXXX credit cards over three yrs, and it still showing up in my credit report.also someone is trying to get credit with my name

Credit reporting company's investigation

I provided Tranunion a affidavit of fraud and a XXXX XXXX Police report. I received a letter stating they would not do an identity block because I did not provide a valid law enforcement report. So, it could not be accepted. This is a valid report issued by XXXX XXXX police department and all the information can be verified.

Communication tactics

XX/XX/17 approx XXXX Credit Management Services located in Nebraska called my employer, masking their number and asked to speak with me regarding a {$250.00} medical bill. I have spoke with them on at least three other occasions, and asked that they not call me at work. I once again told them not to contact me through this number.

Cont'd attempts collect debt not owed

I first received a bill from I C Systems Inc regarding an unpaid balance for XXXX back in XXXX of XXXX. I contacted this collection agency to advise that this account was discharged in my Chapter XXXX Bankruptcy. I know as of today XXXX/XXXX/XXXX discovered this collection agency has put this on my credit report as a negative collection. The original date of the bill was XXXX/XXXX/XXXX

Improper use of your report

Equifax improperly protected my most personal information and allowed it to be leaked to unknown parties which could negatively impact my finances. This potentially could cause difficulties and stress at a later date for me and my family. I have placed a 90 fraud alert on my account, however, after the 90 days, I would be unprotected and my information is still in unknown hands. After the 90 days, I am still at risk.

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

This company CBNA made a hard pull on my credit report affecting me by my score to go down several points i never sign up for nothing whit this people and there 's no much of info about this company CBNA XXXX XXXX, SD XXXX

Incorrect information on credit report

Inquires were deleted from my Transunion credit report then added back later.

Managing the loan or lease

Chase Auto Finance assessed a XXXX late fee on my account that was 21 days past due. The total balance left on the account is XXXX and I believe this is excessive as most creditors will charge at the most XXXX as a late fee. The excuse I got from the creditor is " that we already gave you an adjustment last month and the system will not allow it ''. I believe they are trying to make up for all the other adjustments they gave during the course of my 72 month loan.

Problems when you are unable to pay

I asked for my payments to be reduced and filed all the necessary paperwork XXXX and they keep saying it was n't received. I have the fax confirmation proving it transmitted successfully.

Cont'd attempts collect debt not owed

ERC continues to send notices of a XXXX debt we do n't owe ( to someone with a different account # and same last name -- but who does not live here ) even after we sent them proof from XXXX that our last bill was paid years ago.

Improper use of your report

Inquiries on my report that were not authorized by me XXXX XXXX, 2015 XXXX XXXX,2015 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate information information being reported XXXX XXXX # # XXXX incorrect past due balance XXXX XXXX # XXXX incorrect past due balance XXXX XXXX collection incorrect reporting account open date Contacted XXXX, XXXX, equifax to report unauthorized inquiries and they failed to remove the inaccuracies on my report

Disclosure verification of debt

I keep receiving phone calls on my company cell phone and my company landline relating to a debt owed. I am unaware of this debt. Today the automated number called a coworker 's land line. I have requested proof of the debt XXXX times now, and it has not been delivered once. I will not pay until a validation of debt is sent. They continue to harrass me and will not provide the validation. I have read online that it is a scam.

Cont'd attempts collect debt not owed

someone used my stolen identity information and created several accounts including this one from getting services and things that i was not apart of yet the information that was stolen was used this account is fraudulent and from id theft and needs to be taken off asap

Improper use of your report

These XXXX leaked my information to XXXX and everybody. Please send them to XXXX to be XXXX, where they know how to handle these kinds of things.

Incorrect information on your report

I am including my marriage license per your request. I will send a copy of my social security card, birth certificate, my parents Death Note.

Incorrect information on your report

I had a IRS tax lien placed on me XXXX/XXXX/XXXX. I paid it off and the lien was released XXXX/XXXX/XXXX. Therefore, I have no balance and the negative report should disappear. I requested the change by XXXX and XXXX. They made no changes and claimed their data was correct. XXXX XXXX removed the negative report when I requested it.

Improper use of your report

My SSN and potentially other PII such as addresses, credit card # s, drivers license #, etc. were compromised as part of a cybersecurity hack sometime in late XXXX, XXXX ( per Equifax 's website ). Equifax itself did not notify the public of this incident ( which is estimated to affect 140+ million people ) until 6 weeks after the attack. I only came to know through indirect channels ( nobody from Equifax contacted me ).

Using a debit or ATM card

I made a purchase online using my debit card which was linked to my XXXX account. When I received the item it was not an authentic item. I tried reaching the seller and got no response. I called XXXX and they informed me to call the bank as they were not the funding source. I called the bank and disputed charge and was informed via phone and mail that I can not be helped and they were sorry I have to get a hold of the seller.

Incorrect information on your report

XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.

Making/receiving payments, sending money

Key Bank failed to deliver funds by the " guaranteed date '' to a payee from my checking account.

Customer service / Customer relations

I have a durable power of attorney for my mother 's Wells Fargo credit card account. Sent copy of POA to Wells Fargo twice. Wrote letters twice. They acknowledged each time in writing. Despite the effort on my part, Wells Fargo continues to deny me access to the account. Customer Service makes NO EFFORT to resolve. Just refuses to help.

Incorrect information on credit report

XX/XX/2012 I was taken against my will and authorization to a XXXX hospital to the XXXX and was not able to leave for 3 weeks, XXXX County Sheriff had me placed there. For no reason. I am not paying for this bill, in fact I have a lawsuit against XXXX County Sheriff and the Hospital.

Incorrect information on credit report

I have informed you that the XXXX Account that is reporting on my credit file is not my account. Please removed this account from my credit file, immediately. Please see the attached police report notifying you that I was a victim of identity theft.

Cont'd attempts collect debt not owed

I do not owe this debt I continue to contact the company and credit bureaus in letters to dispute and it still remains open. I wish to have it removed seeing as it is not mine, I have no knowledge of the account and have never done business with this company or the original creditor.

Incorrect information on credit report

Personal loan that was removed was converted fraudulently to educational loan so they reinserted it onto my credit report. The dates, amounts and historical info are wrong

Incorrect information on your report

XXXX XXXX {$180.00} PAID YEARS AGO THRU XXXX . XXXX XXXX {$310.00} PAID YEARS AGO THRU XXXX

Payoff process

I asked wellsfargo to cancel a credit card and pay it in full, they did not process a transaction for paying in full, they only withdrew the minimum. I also asked that they send me paper statements because I have had so much difficulty with the website. They assured me all of my accounts had been transferred to paper. I did not receive any statements in the mail and they continued to charge me interest and fees on an account that should have been closed.

Charged fees or interest I didn't expect

My loan amount was for {$600.00}, the was {$210.00} which equals to a payoff of $ XXXX.i did n't know that the APR was gon na be 786.51 % before I summit my loan, cause it does n't show you that when you apply.

Problems when you are unable to pay

XXXX XXXX ASSOCIATES HAVE CALED ME AGAIN IN VIOLATION OF A CEASE AND DESIST UNDER FAIR DEBT COLLECTION PRACTICES OF 1968.THEY NEED TO STOP VIOLATING THE LAW

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

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

Unable to get credit report/credit score

Experian continues to refuse me online access to my annual credit report. For the third consecutive year they have denied my request. My most recent attempt was on XXXX/XXXX/16. I have attached a pdf copy of the refusal.

Delinquent account

There is a charge on my credit report from HSBC that is over 10 years old. I have contacted the company and asked for the contract showing this is a valid debit and they have refused to send what I am asking. All they have sent me is a statement telling me this is a valid date, but no signed contract.

Incorrect information on your report

There are numerous addresses and employers that are incorrect on my report. I have asked that they be removed so that all of my credit reports match. I have sent in XXXX letters, XXXX fax, and called once and nothing has been changed. The only address that should appear : XXXX XXXX XXXX XXXX , Ky XXXX The only Employer that should be listed is : XXXX XXXX

Disclosure verification of debt

Unknown item, I have disputed and nothing has been received. I do not owe an XXXX bill nor have I had one in many years.

Incorrect information on your report

Equifax still isnt reporting all of my accounts that are in good standing! I have filed a complaint against them and they responded saying they were working on it and yet THEY HAVE NOT DONE ANYTHING!

Taking/threatening an illegal action

Company threatend to go to court house and send a bench wareant out for my arrest the company threatend to put my relatives and named by there names on the court order as witnesses

Cont'd attempts collect debt not owed

could you please check the account in collection? I do n't think it mine.

False statements or representation

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

Application, originator, mortgage broker

My name is XXXX XXXX and my property was foreclosed by ShellPoint Mortgage while I was in review for loan modification, I property is now owned by a 3rd party as of XX/XX/2017. I believe ShellPoint did not follow the proper Home Owner Bill Of Rights procedures as I feel I was a victim of dual tracking.

Incorrect information on your report

There are two XXXX XXXX XXXX account showing on my credit reports and both accounts does not belong to me. I have disputed this 2 accounts with the credit reporting agency several times.

Closing your account

I 've had an old navy credit card for quite some time now. I 've never had a late or missed payment. I paid the credit card balance off which was {$140.00} and they closed my account. I feel as if this looks bad on my credit report. I 've been a very loyal customer.

Dealing with my lender or servicer

Navient failed to apply additional principal towards despite express instructions to do so. Navient also piled on numerous late fees despite paying on time. And, despite disputing the amount owed countless times, Navient turned my student loan over to a company - XXXX - I 've never heard and now my student loan is in default and damaging my credit history!

Loan servicing, payments, escrow account

I was never notified from ruoff my lender that my loan had been sold to XXXX. My payments were returned after I received a letter my mortgage payment was late with a new company I 've never heard of. I 'm furious they also ca n't etc up biweekly payments for another eek or so

Incorrect information on your report

The alleged Bankruptcies were not filed by myself and do not belong to me. I have disputed this with the credit bureaus and I also supplied a letter from the Bankruptcy Court stating they don't report to the bureaus.

Incorrect information on your report

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to Capital One/XXXX XXXX with his information that resulted in an inquiryXX/XX/XXXX; an official dispute of this information was sent certified mail to Capital One/XXXX XXXX XX/XX/XXXX however a review of credit report still lists this information which is a violation of consumer laws and the FCRA.

Late fee

assessed a late payment fee on my card made payment on time

Managing, opening, or closing account

Tried to activate a prepaid card with netSpend, they wanted me to submit paper proof of drivers license, birth certificate and social security card. No other service has ever asked for that when activating a PREPAID card. Then I could n't get a refund, they made the card a one time use, did n't get the fee I paid for the card back just the money I loaded.

Struggling to pay your loan

I 'm late on my car payments but still pay every month. I 've requested to change the due date on the loan since it is at the beginning of the month, same as my rent is due. They have not done anything to try and accommodate this. Also they call me over three times a day demanding payment, Including Sunday 's and early morning/late evenings.

Problem when making payments

I have been trying to make a payment to PayPal Credit for 2 weeks. When I call, the representatives will not take my account number or other identifying information. Then I emailed the CEO of PayPal who had a man call me - he said he would get back to me, but never did. To this day I can not make a payment because when I call the number on my statement nobody will look up my account to help me.

Communication tactics

Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that.

Incorrect information on your report

On XXXX XXXX ,2017 I wa s notified by XXXX that a new collection had appeared on my credit file upon investigating I found out that this item had been disputed and deleted previously. Agencies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received a notice within 5 days telling me they we reinserting this information

Disclosure verification of debt

I did not receive the debt verification they say they did send. I was offered a settlement on a unverified debt. I feel harassed by these people.

Taking/threatening an illegal action

XXXX XXXX at XXXX XXXX called me and told me that I was going to have a warrant for my arrest if I did n't make a payment on a debt from 5 years ago. They were attempting to get XXXX in total. I blindly sent XXXX dollars to these con-artist.

False statements or representation

I have XXXX parent plus loans to pay off. This company has added XXXX additional fees to each loan totaling {$13000.00} Extra they are collecting on the plus loans and the fees go up each month.

Incorrect information on your report

Private student loan showing as in default/in collections. Chapter XXXX bankruptcy was filed 2 years ago and this item still shows up. Currently in process of trying to obtain approval to obtain a mortgage to purchase first home via VA loan and this is causing serious issues

Loan servicing, payments, escrow account

After messing up my escrow XXXX sold my mortgage to Carrington Mortgage Services as of XXXX/XXXX/2015. I made my XXXX payment to XXXX and the check was cashed as of XX/XX/XXXX. Carrington has been harassing me over the payment since XX/XX/XXXX, and has been notified several times that the payment was made to XXXX in XX/XX/XXXX.

Incorrect information on your report

Experian is reporting a account that is fraud and its not mines a car loan from XXXX XXXX i never open a account with this company its fraud and need to be removed off my credit report

Incorrect information on credit report

XXXX XXXX XXXX XXXX XXXX is reporting Docket # XXXX on my Experian Credit file. Due to the XXXX v. XXXX lawsuit, all Virginia Court filings should not be reporting. This is the only public record from a Virginia Court that remains on my credit files, most recently, I submitted a complaint about XXXX in XXXX 2016 and those accounts were deleted from my XXXX report. I was made aware of the XXXX Case while completing a Mortgage Pre-Qualification.

Incorrect information on your report

XXXX is XXXX is still reporting bankruptcies that came back from the courts unverified and after the proof were sent to them they are still reporting them and stating that it is accurate when in fact it is not. I tried to resolve this with them and they have not provided any validation or proof.

Improper use of your report

I have two credit inquiries from XXXX dated :XX/XX/XXXX and XX/XX/XXXX that I did not authorize. I sent a certified letter to XXXX regarding the unauthorize inquiries. They sent me a letter back telling me to dispute transunion. Transunion wo n't except the letter XXXX sent me regarding credit removal of inquires.

Cont'd attempts collect debt not owed

Medical debts incurred for treatment and show all balances paid in XXXX 2016. Current account site shows {$0.00} balance due. Credit agency attached a derogatory account status. Medical provider was XXXX in IL. Current review of my account balances show no funds due. All accounts with no balance due.