determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Problem with a credit reporting company's investigation into an existing problem	I am submitting my complaint as my original inquiry was not addressed. CFPB dispute case # XXXX. Equifax simply repeated the same information they have been telling me since XX/XX/XXXX. When I mention that to them they tell me it is the creditors fault. Since there is more than one, I know that is not true.
Attempts to collect debt not owed	This dept is not mines. I have disputed over 5x but it is still on all 3 of my credit reports. I also have reported this collection acct to the FTC. The address listed for the collection acct is not my address nor has it ever been.
Cont'd attempts collect debt not owed	Received a letter from a credit collector and the debt does not belong to me, I never opened the account
Cont'd attempts collect debt not owed	someone opened up a fraudulent credit card using my information and documents this account needs to be removed asap i have contacted the company regarding this account and notified them that it is fraudulent even sent them a copy of the police report and the identity theft affidavit and it still has not been removed from my credit file or from them trying to collect
Cont'd attempts collect debt not owed	Pressler and Pressler keep sending me letter telling me that going to sue me if I do n't paid an unpaid medical bill that I should not be paying. They keep calling and harrassing me.
Problem with fraud alerts or security freezes	After the Equifax leak, people are forced to pay {$10.00} per credit reporting agency to freeze their credit. So, in essence, Equifax is making revenue off of their own mistake. Just appalling.
Loan servicing, payments, escrow account	I have overpaid my mortgage company over {$2900.00} for FHA Insurance and they will not reimburse me. Instead they cancel my paid up FHA insurance and sent me a letter disputing that I have not overpaid. This trial has been going on for a year this month.
Managing the loan or lease	They took the car I do not owe them anything else.
Incorrect information on credit report	I received a credit inquiry alert on my Trans Union credit report. The following credit inquiries from XX/XX/2017 are unauthorized and fraudulent : XXXX/XXXX, XXXX/XXXX and XXXX/XXXX
Unexpected or other fees	I purchased a XXXX netspend card in XX/XX/XXXX.. I have n't needed to use it and also have n't received any alerts or statements. Today, XX/XX/XXXX, I logged into the online portal and my balance is gone ... months of " maintenance fees '' that I never agreed to and was never informed of either. This is not fair business practice!
Getting a credit card	Repeated " UNAUTHORIZED '' opening of credit card w ith Amazon through Chase Manhattan bank and " unnecessary '' credit inquiries that affected our credit scores. The first document is a chronological order of my several attempts to get the issue reso lved. The second document is confirmation of a credit card account that also showed I responded to that email ( shaded area ) on XXXX XXXX , 2016 with the same email I sent to XXXX ( Amazon exec ).
Incorrect information on your report	XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.
Communication tactics	Company started calling twice a day, now they are calling four times a day each day. They are calling without identifying both the name of the creditor and the name of the person they are calling. If I answer the phone, they stay on the line without saying anything. A representative told me that they have an automated number just call repeatedly., I asked them to stop and they have not. I have no idea why they are calling.
Credit reporting company's investigation	I have contacted Transunion on many occasions about this problem. I have been paying on my auto loan since XX/XX/2014 have never been later. They have this loan as in Bankruptcy and like I never paid on the loan. I even sent Transunion a letter from the creditor. And this has never been fixed this has been going on for 4 months can you help me?
Cont'd attempts collect debt not owed	I paid this debt off but it still showing up.
Incorrect information on your report	I never attended college in XX/XX/XXXX so I do not understand these late payments. I never received any bills or statements.
Attempts to collect debt not owed	XXXX XXXX SOLD TO FRANKLIN COLLECTION SERVICE, INC CASE NO.XXXX, CLIENT NO.XXXX IN THE AMOUNT OF $XXXX AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT.YOU ARE IN VIOLATION OF THE DODD-FRANK ACTS.O.L. EXPIRED
Disclosure verification of debt	I have made several complaints with this office. I continue to get emails and phone calls on " debts '' I do n't owe. A request has been made to send verification of debt. I have not received anything previously requested. I do n't know if this is a scam or legitimate collection company attorney process servers. I get calls at my place of employment and on my personal cell.
Improper use of your report	I received a copy of my XXXX XXXX report because i had updated my name, addresses and phone numbers with all 3 credit bureaus in XX/XX/XXXX. today i looked at my report an there is an unauthorized credit inquiry on my TransUnion Credit report made by XXXX XXXX XXXX XXXX on XX/XX/2017, that i have no ideal what it is and why it is an hard inquiry on my credit report that i do not know what it is, not did i authorize it.
Taking/threatening an illegal action	Threatening to contact employer and bank to garnish wages on a debt from 2000
Incorrect information on credit report	I have supplied them and the credit with the information attached and this information is still on my Equifax report.
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. It is their sole responsibility to properly secure this data.
Taking/threatening an illegal action	debt was in dispute, but still passed to another debt collector, who advanced to file an illegal action
Incorrect information on your report	I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.
Application, originator, mortgage broker	I received a mail advertisement from this mortgage company and it does not contain the required non-solicitation opt-out information. Also, I am on the non-solicitation list and just renewed 6 months ago. They are illegally using lists that contain people who have opted out of mail advertising.
Problems when you are unable to pay	Lender illegal reported to my credit as a auto REPO when I never got my vehicle through the this company. I still have my vehicle NEVER repo I OWN it. Regency Financial turned my money loan into a AUTO REPO. because they figured they would n't get their money back. From this unlawful report Im ' unable to get a car fo r my family because it says repo!
Incorrect information on credit report	I want the XXXX accounts with XXXX XXXX to be removed.
Unable to get your credit report or credit score	I have requested a copy of my Equifax Credit Report because I 'm aware of several changes in my credit report and need to confirm it 's correct. Equifax continues not granting my request. Furthermore, I tried obtaining my annual free Equifax credit report but was unable to even though I was able to get my XXXX & XXXX Credit Report.
Taking/threatening an illegal action	Company called work phone number ; left a message that they were attempting to contact me before arrest warrant is issued on a debt that they contacted me about ; I do n't owe any payday company any money ; within XXXX minutes they also called my cell phone same message left with a callback number of XXXX
Incorrect information on credit report	I have submitted offical documenation to Experian that they are report bad infromation on my Credit file. CitiMortgage Acct # XXXX, IS PAYED in FULL and was never 'Legally paid in full for less than the full balance ' as Experian is reporting on my credit report. Supporting Documents attached.
Application, originator, mortgage broker	I applied for HARP Ref using Quicken Loans. The HARP ref was approved. However, It is my understanding that MSHDA ( Michigan State Housing Development Authority ) has HARP grant program that would applied {$500.00} toward closing cost. With review of the closing cost, Quicken Loans did not apply this grant to my closing cost. HARP Refinance with XXXX XXXX XXXX \| Mortgage Banker at XXXX Loan and he did not apply the {$500.00} grant.
Improper use of my credit report	The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information. XXXX
Problem when making payments	Calling work place multiple times throughout the day. Harassment of people other than myself. Calling from various numbers in the U.S.A Failing to tell me what company they 're calling with.
Closing an account	I opened an account with Citibank within the 30 days they decided to in the relationship I had leftover funds in the account I attempted to collect the remaining funds that I had in my account but to no avail Ive been getting the runaround instead they told me to call the XXXX XXXX number so they may send me a cashiers checks in the mail I did that so the XXXX XXXX number told me that to step into a branch with my ID I did that but still havent received my funds.
Improper use of your report	I did not authorize XXXX XXXX to run my credit score on XXXX XXXX 2017 ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.
Managing the loan or lease	I had a great experience with my car loan through Ally Auto - until it was paid in full. Back in XX/XX/XXXX, I receive the title to my vehicle once my balance was a XXXX. In XX/XX/XXXX, I tried to sell this vehicle. When I filed for a duplicate title, I found out Ally still had n't released the lien on the car. I 've contacted them 3 times & have requested 4 different formats of the lien release & have yet to see it.
Can't repay my loan	When my loans were first coming into the repayment period, I was told that I did not qualify for an income-based repayment plan, despite the fact that as a XXXX I made exactly the same as every other intern in the first year of their XXXX training. I subsequently applied for forbearance over the following 60 months until graduating from XXXX when I could afford consistent monthly payments.
Improper use of your report	Customer service would n't take care of my matter remove inquiry from my credit report
Other features, terms, or problems	I transferred my balance fro m American Express to XXXX XXXX XXXX . American Express claimed that they received the close-out 5 days after my payment was due. They charged me an additional {$35.00}. I made the transfer more than 10 days before the du e date.
Problem with fraud alerts or security freezes	I have tried for 3 days to freeze my credit reports at Transunion unsuccessfully. I was able to freeze my credit with XXXX and XXXX without any issues, but am unable to do so with Transunion. I would have called them, but there is no number provided to reach them.
Improper use of your report	XXXX is reporting unauthorized inquires on my credit report.
Incorrect information on credit report	I requested a credit report, trans-union report has information that does not belong to me. XXXX and XXXX reports could not be accessed because the security questions I answered had information that was not submitted by me. Addresses and XXXX of the XXXX phone numbers added in 2008 were not associated to me. My name and identity were used unknown to me by someone else.
Credit reporting company's investigation	just a quick note I 'm not talking about them the creditors I 'm talking about you! Send me the information that I asked you for Months ago. seems like you do not have it. the way you been dragging your feet! Please send the documents to me..
Incorrect information on your report	I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. under XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX
Communication tactics	They Keep Calling Saying They Are A Pro Placement Service? A Debt Collector! But I Don't Owe Anybody Anything? I Asked Them Who They Are looking For But They Didn't Answer Me. They Have Called At least 20 Times, This Is A Scam! There Phone Number Is # XXXX XXXX XXXX
Unable to get credit report/credit score	About 2 years ago the bureaus dropped my credit score from about XXXX to XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.
Loan servicing, payments, escrow account	Litton loan filed XXXX for closures with false documents, charged me fees that were subject to HUD section 8 violations, failed to apply payments in a timely manor, and charged fees for late payments, in spite of receiving certified bank checks, sent registered mail, and mis applied payments, falseified my credit history and payment history, filed fraudulent legal documents that were later to found forged
Managing an account	I use an app/company called XXXX XXXX to add money by electronic deposit into my account. Bank of America does not keep the amount in my account up to date. Sometimes it goes for days without updating. For example right now on the app it is showing my account to be {$20.00}, when in fact my balance is over {$1000.00}. The app sees that the balance is only {$20.00} and it causes delays in my deposits.
Threatened to contact someone or share information improperly	today, XX/XX/XXXX/17, XXXX XXXX called my cell phone, then my job, once asking for me, then called back again asking for my supervisor. I informed him not to call my job again the first call. He has threaten to send me something to come to court.
Struggling to pay mortgage	ocwen is attempting to foreclosure on my home with an assignment that clearly fraudulent. the assignment was created showing ocwen as the lender. the company that i originated the loan with is out of business and XXXX conveyed. i dispute the validity of this debt with ocwen. i sent a qwr and they have not responded to. the assignment to gmac is also fraudulent. XXXX XXXX, Va XXXX are well known robo signers both are the assignments filed in XXXX CO are fraudulent.
Account opening, closing, or management	I WAS A CUSTOMER OFF WELL FARGO BANK A BOUT 10- 7 YEARS A GO THEY OPEN CHECKING ACCOUNT FOR ME I HAD A FEW OVER DRAFT THEY CLOSED I DID PAY UP THE OVER FEE NOW SOME ONE USED MY INFO.TO OPEN A NEW ACCOUNT I TRY TO LET THEM NO ITS NOT ME BUT THEIR IS NO ONE TO TALK TO NOW I HAVE PROBLEM OPEN IN A NEW ACCOUNT
Incorrect information on credit report	Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.
Loan servicing, payments, escrow account	Champion Mortgage is not processing a short sale request in adequate fashion.
Struggling to pay mortgage	Bank of America informed me that XXXX, XXXX was servicing my mortgage. I contacted XXXX and was told that Bank of America is still servicing the mortgage. I want to avoid foreclosure but have received multiple points of contact and do n't know who I should speak to. Please help.
Incorrect information on credit report	If all the dispute have been settled! Who is responsible for correcting my credit score?
Other	My Chase credit card was used in XXXX XXXX at an XXXX XXXX but my fraud claim was rejected.
Managing the loan or lease	Per my credit report, it has been report my GM Financial auto loan # XXXX was charged off for bankruptcy. However, I never filed bankruptcy and have continued to make regular payments. My loan is not scheduled to mature in 2018. In reality, I have been paying more than my scheduled payments and have a balance of {$1700.00}.
Disclosure verification of debt	I wrote letter to Wells Fargo Dealer Services dated XXXX/XXXX/2015 disputing my previous account with them regarding late payments. They are now playing games asking me with more information. I provided Wells Fargo with my account number. They should be able to find my account.
Improper use of your report	These 8 inquiries on my Transuniom report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Transunion several times, issue still unresolved.
Cont'd attempts collect debt not owed	The online seller company charged every cost of the order I placed before company shipped their products. No one online seller will ship out their product to buyer if they has not charge the full payment from buyer, either the payment method is paper check or credit card. In my case, this company always charged the payment from my credit card account. I can show all the payments I have paid and orders that I have placed.
Problem with a credit reporting company's investigation into an existing problem	Reported that I was 90 days late on a payment, while in a current forbearance. Credit score dropped 177 points due to this. And credit card limit was lowered due to this error in information.
Improper use of your report	The Equifax security breach is a horrible act of neglect on their end, and being affected by this has caused me to waste hours of my personal time in an effort to see if I 'm affected ( at best ), and may result in personal damages to my financials ( at worst ).
Identity theft / Fraud / Embezzlement	Macy's/DSNB is reporting a fraudulent account on my XXXX credit file XXXX I have never had an account with Macy's/DSNB and never will, please remove this account ASAP, it is hurting my credit file and I have excellent credit. The account info is below. Macy's/DSNB XXXX Amount Owed : {$570.00} Status : Charge Off Opened : XXXX/XXXX/2011
Incorrect information on your report	my mortgage account with XXXX Mortgage shows as not current for over a XXXX when the account has been on automatic withdraw from my checking account
Struggling to pay your bill	Regarding my recent late payments in relation to medical issues I am requesting late charges be waived and removed from my account. And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. Respectfully, XXXX XXXX XXXX
Loan servicing, payments, escrow account	Green Tree Servicing give and and all personal information to anybody that called them or that they called. And blew my phone and my family 's phones all day. They were very mean and made rude comments to us.
Loan servicing, payments, escrow account	It appears that the Ocwen mortgage loan and the XXXX XXXX bank loan are showing as XXXX separate mortgages. The XXXX loan was transferred to Ocwen during the Short sale process. I was told that due to the opening dates being the same, it is appearing to other potential lenders that they are XXXX separate mortgages. This is severely affecting my borrowing abilities and request it be taken care of. Neither lender will work with me on this dispute.
Cont'd attempts collect debt not owed	This company has been paid in full and they are still reporting negatively to all XXXX credit bureaus. status on my credit reports say closed ; paid but is still in negative status. when I called XXXX and XXXX, I was told that it was not them reporting it negatively it was the company reporting it.
Unable to get your credit report or credit score	XXXX gave me XXXX , and then failed to give me XXXX or equifax.
False statements or representation	XXXX XXXX XXXX is collecting a debt that I am not aware of and the license number XXXX is expired to collect in the state of Florida the account number for this debt is XXXX .... The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX
Incorrect information on your report	I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and Equifax and XXXX credit reports. <P/>They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.
Problem with a credit reporting company's investigation into an existing problem	Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.
Delinquent account	Best Buy XXXX placed 37 separate calls to my phone over a 6 day period for collection of an overdue amount of {$53.00}. Calls occurred between XXXX and XXXX.
Problem with a credit reporting company's investigation into an existing problem	I have disputed multiple XXXX XXXX accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.
False statements or representation	I received XXXX notices from Transworld Systems Inc. that my student loans were eligible for default. The letters went on to say that Transworld verified my employment and that my lender may contact my employer to institute a wage garnishment. I have not had loans with this company for years. I called and both Transworld and the lender told me this was a mistake by Transworld, that they accidentally sent out XXXX these letters to consumers. This is atrocious.
Communication tactics	I have repeatedly reached out to Jefferson Captial systems regarding a collection ( debt ) listed on my credit report for {$1100.00}. Jefferson Captial Systems can not validate that I directly owe them a debt. The original creditor is XXXX XXXX & by law if you are not the original creditor you can not collect a debt that it not solely owed to you. XXXX XXXX has received their funds. I would like this company to remove the negative, enormous information fron my credit report.
Problem with a credit reporting company's investigation into an existing problem	Bankruptcy was dismissed XX/XX/XXXX and still has not been removed. ( Was originally filed XX/XX/XXXX ). Judgment was satisfied Supreme Court State of N.Y XX/XX/XXXX and still has not been removed.
Incorrect information on your report	inaccurate information cra and hippa violation must remove them not 100 % correct
Incorrect information on your report	Despite this account already being showed to be Id theft both companies have replaced it once again on my credit report sevelu damaging my life and my ability to feed my children, obtain housing or any time of loan while Im XXXX.
Cont'd attempts collect debt not owed	XXXX is charging for time usage on cellular numbers not used. I have disputed this several times, yet they do not send me documentation to back this debt because there isnt. How can I owe money when I didnt use their service.
Charged fees or interest I didn't expect	I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job.
Attempts to collect debt not owed	This is not my debt, I have disputed this with no outcome. Please help
Billing statement	American Express is emphasizing a " pay by '' date which is 3 weeks after the statement date. They do list a " closing date '' as well, which is at the required 30 day interval but do not explain what it means. This is misleading and appears to be designed to circumvent the intent of the law. I would ask that this be addressed by the CFPB. XXXX examples ( from different mailings ) are attached to this submission.
APR or interest rate	Care credit charged me interest when supose to be 0 % interest for 6 months same time as the care credit law suit
Cont'd attempts collect debt not owed	Had a Capitol One card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from XXXX, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid
Communication tactics	Upon speaking to the representative he never read me the mini Miranda, I validation of the debt when he refused to provide. I also, informed the rep that i was making payments direct to client.
Account opening, closing, or management	I 've taken action during the past 60 days, to date MIDLAND FUNDING has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not bee successful. Should you need any other information, please let me know. Sincerely, XXXX XXXX
Improper use of your report	Citibank NA processed two consecutive UNAUTHORIZED hard credit report inquiries into my individual XXXX credit information. The first hard XXXX credit report inquiry occurred on Tuesday, XXXX XXXX, 2017, and the second hard XXXX credit report inquiry occurred on Wednesday, XXXX XXXX, 2017.
Incorrect information on your report	Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company. Item is listed as : XXXX XXXX XXXX XXXX , for the debt of XXXX XXXX XXXX XXXX for {$1300.00} USD. Can the CRA 's confirm validity and provide proof of debt? Thank you.
Cont'd attempts collect debt not owed	XXXX is charging me {$120.00} but the phone I purchased for them got stolen and I have no way of returning the phone and my income status is really low.
False statements or representation	Repeatedly contacted to collect debt but wo n't give sufficient details of creditor or matter pertaining to
Problem with a credit reporting company's investigation into an existing problem	I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.
Managing an account	TD Bank is blocking me from accessing my account information via external applications. This reduces my ability to use my funds as desired.
Attempts to collect debt not owed	I RENT A CAR WITH XXXX RENT A CAR FOR XXXX WHEN I RETURN THE CAR THEY CHARGE ME FROM XXXX ACCOUNT, AND PAID ME BACK THE SECURITY DEPOSIT TO ME ON XX/XX/2017 THEY TOOK COLLECTION ACTION BEFORE I SENT THEM THE LETTER BUT AGAIN THEY DOING IT BECAUSE THE LOOK XXXX XXXX XXXX LOCAL OFFICE THE GUY WHO DEAL WITH XXXX DONT LIKE MY NAME XXXX XXXX JUST TO PUNISH ME THEY ARE DOING THIS TO PUZZEL ME PLEASE STOP THIS COLLECTION ACTION I DONT OWE THIS MONEY THANK YOU XXXX XXXX
Cont'd attempts collect debt not owed	XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX/XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.
Managing the loan or lease	Refinanced my vehicle with Carfinance.com, went to make a payment and realized that they do not offer an option to use your checking account with incurring any additional fees. When I called in to pay, they wanted to charge me {$10.00} pay-by-phone fee. The only option I have is to mail my payment in, and that doe not guarantees me that they will post my payment on time, which may cause addition late fees.
Can't repay my loan	I can not get them to work with me with my interest rate and payment. I know that I took out the loans but the state I live in pays absolute ROCK bottom for my field of study. I ca n't find another job because the school I attended shut down for lack of accreditation the year I finished and my degree is now tainted.
Can't repay my loan	Enrolled at XXXX College in XXXX XXXX, California. XXXX College was part of the XXXX College system. Did not receive education as represented or job placement assistance as promised. The whole thing was a fraud. Was ripped off and now am being asked to pay for, essentially, nothing.
Loan modification,collection,foreclosure	I applied for mortgage assistance in XX/XX/2016. At that time I sent in all the documentation and since then have been waiting for a reply. On XX/XX/XXXX I received a notice of intent to accelerate my loan even though I was current. The bank has misapplied funds in more than one case and keeps on calling me late. It is very difficult to pay my mortgage. The bank has now given me bad credit by misapplying my payments and accelerating my mortgage.
Communication tactics	There is a debt collector ( central credit services ) company calling me numerous times through a single day over a XXXX bill I owe. The amount is {$160.00}, which I have advised 2 times that I would be calling in once I have the money to pay. The next day and every day after that they have called me and left the same messages. This is harassment!

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

I am submitting my complaint as my original inquiry was not addressed. CFPB dispute case # XXXX. Equifax simply repeated the same information they have been telling me since XX/XX/XXXX. When I mention that to them they tell me it is the creditors fault. Since there is more than one, I know that is not true.

Attempts to collect debt not owed

This dept is not mines. I have disputed over 5x but it is still on all 3 of my credit reports. I also have reported this collection acct to the FTC. The address listed for the collection acct is not my address nor has it ever been.

Cont'd attempts collect debt not owed

Received a letter from a credit collector and the debt does not belong to me, I never opened the account

Cont'd attempts collect debt not owed

someone opened up a fraudulent credit card using my information and documents this account needs to be removed asap i have contacted the company regarding this account and notified them that it is fraudulent even sent them a copy of the police report and the identity theft affidavit and it still has not been removed from my credit file or from them trying to collect

Cont'd attempts collect debt not owed

Pressler and Pressler keep sending me letter telling me that going to sue me if I do n't paid an unpaid medical bill that I should not be paying. They keep calling and harrassing me.

Problem with fraud alerts or security freezes

After the Equifax leak, people are forced to pay {$10.00} per credit reporting agency to freeze their credit. So, in essence, Equifax is making revenue off of their own mistake. Just appalling.

Loan servicing, payments, escrow account

I have overpaid my mortgage company over {$2900.00} for FHA Insurance and they will not reimburse me. Instead they cancel my paid up FHA insurance and sent me a letter disputing that I have not overpaid. This trial has been going on for a year this month.

Managing the loan or lease

They took the car I do not owe them anything else.

Incorrect information on credit report

I received a credit inquiry alert on my Trans Union credit report. The following credit inquiries from XX/XX/2017 are unauthorized and fraudulent : XXXX/XXXX, XXXX/XXXX and XXXX/XXXX

Unexpected or other fees

I purchased a XXXX netspend card in XX/XX/XXXX.. I have n't needed to use it and also have n't received any alerts or statements. Today, XX/XX/XXXX, I logged into the online portal and my balance is gone ... months of " maintenance fees '' that I never agreed to and was never informed of either. This is not fair business practice!

Getting a credit card

Repeated " UNAUTHORIZED '' opening of credit card w ith Amazon through Chase Manhattan bank and " unnecessary '' credit inquiries that affected our credit scores. The first document is a chronological order of my several attempts to get the issue reso lved. The second document is confirmation of a credit card account that also showed I responded to that email ( shaded area ) on XXXX XXXX , 2016 with the same email I sent to XXXX ( Amazon exec ).

Incorrect information on your report

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.

Communication tactics

Company started calling twice a day, now they are calling four times a day each day. They are calling without identifying both the name of the creditor and the name of the person they are calling. If I answer the phone, they stay on the line without saying anything. A representative told me that they have an automated number just call repeatedly., I asked them to stop and they have not. I have no idea why they are calling.

Credit reporting company's investigation

I have contacted Transunion on many occasions about this problem. I have been paying on my auto loan since XX/XX/2014 have never been later. They have this loan as in Bankruptcy and like I never paid on the loan. I even sent Transunion a letter from the creditor. And this has never been fixed this has been going on for 4 months can you help me?

Cont'd attempts collect debt not owed

I paid this debt off but it still showing up.

Incorrect information on your report

I never attended college in XX/XX/XXXX so I do not understand these late payments. I never received any bills or statements.

Attempts to collect debt not owed

XXXX XXXX SOLD TO FRANKLIN COLLECTION SERVICE, INC CASE NO.XXXX, CLIENT NO.XXXX IN THE AMOUNT OF $XXXX AND SENT TO 9 OTHER AGENCIES ALL COLLECTING A FRAUDULENT ACCOUNT.YOU ARE IN VIOLATION OF THE DODD-FRANK ACTS.O.L. EXPIRED

Disclosure verification of debt

I have made several complaints with this office. I continue to get emails and phone calls on " debts '' I do n't owe. A request has been made to send verification of debt. I have not received anything previously requested. I do n't know if this is a scam or legitimate collection company attorney process servers. I get calls at my place of employment and on my personal cell.

Improper use of your report

I received a copy of my XXXX XXXX report because i had updated my name, addresses and phone numbers with all 3 credit bureaus in XX/XX/XXXX. today i looked at my report an there is an unauthorized credit inquiry on my TransUnion Credit report made by XXXX XXXX XXXX XXXX on XX/XX/2017, that i have no ideal what it is and why it is an hard inquiry on my credit report that i do not know what it is, not did i authorize it.

Taking/threatening an illegal action

Threatening to contact employer and bank to garnish wages on a debt from 2000

Incorrect information on credit report

I have supplied them and the credit with the information attached and this information is still on my Equifax report.

Improper use of your report

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. It is their sole responsibility to properly secure this data.

Taking/threatening an illegal action

debt was in dispute, but still passed to another debt collector, who advanced to file an illegal action

Incorrect information on your report

I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

Application, originator, mortgage broker

I received a mail advertisement from this mortgage company and it does not contain the required non-solicitation opt-out information. Also, I am on the non-solicitation list and just renewed 6 months ago. They are illegally using lists that contain people who have opted out of mail advertising.

Problems when you are unable to pay

Lender illegal reported to my credit as a auto REPO when I never got my vehicle through the this company. I still have my vehicle NEVER repo I OWN it. Regency Financial turned my money loan into a AUTO REPO. because they figured they would n't get their money back. From this unlawful report Im ' unable to get a car fo r my family because it says repo!

Incorrect information on credit report

I want the XXXX accounts with XXXX XXXX to be removed.

Unable to get your credit report or credit score

I have requested a copy of my Equifax Credit Report because I 'm aware of several changes in my credit report and need to confirm it 's correct. Equifax continues not granting my request. Furthermore, I tried obtaining my annual free Equifax credit report but was unable to even though I was able to get my XXXX & XXXX Credit Report.

Taking/threatening an illegal action

Company called work phone number ; left a message that they were attempting to contact me before arrest warrant is issued on a debt that they contacted me about ; I do n't owe any payday company any money ; within XXXX minutes they also called my cell phone same message left with a callback number of XXXX

Incorrect information on credit report

I have submitted offical documenation to Experian that they are report bad infromation on my Credit file. CitiMortgage Acct # XXXX, IS PAYED in FULL and was never 'Legally paid in full for less than the full balance ' as Experian is reporting on my credit report. Supporting Documents attached.

Application, originator, mortgage broker

I applied for HARP Ref using Quicken Loans. The HARP ref was approved. However, It is my understanding that MSHDA ( Michigan State Housing Development Authority ) has HARP grant program that would applied {$500.00} toward closing cost. With review of the closing cost, Quicken Loans did not apply this grant to my closing cost. HARP Refinance with XXXX XXXX XXXX | Mortgage Banker at XXXX Loan and he did not apply the {$500.00} grant.

Improper use of my credit report

The Credit Bureaus were reporting XXXX bankruptcy 's and the courts do not verify a bankruptcy and therefore in the courts they do not verify that information, that information was pulled from a third-party reporting agency, therefore it must be deleted. ( Chap XXXX and Chap XXXX on my reports ) The courts of XXXX County told me that they do not verify that information. XXXX

Problem when making payments

Calling work place multiple times throughout the day. Harassment of people other than myself. Calling from various numbers in the U.S.A Failing to tell me what company they 're calling with.

Closing an account

I opened an account with Citibank within the 30 days they decided to in the relationship I had leftover funds in the account I attempted to collect the remaining funds that I had in my account but to no avail Ive been getting the runaround instead they told me to call the XXXX XXXX number so they may send me a cashiers checks in the mail I did that so the XXXX XXXX number told me that to step into a branch with my ID I did that but still havent received my funds.

Improper use of your report

I did not authorize XXXX XXXX to run my credit score on XXXX XXXX 2017 ... ..was not present. The bank made a hard inquiry on my credit that dropped it way down. I did not know anything about this or who they did it for but I did not give consent for this. I believe it was for a loan of some sort. I have n't applied for a loan in many many years, and never with this bank.

Managing the loan or lease

I had a great experience with my car loan through Ally Auto - until it was paid in full. Back in XX/XX/XXXX, I receive the title to my vehicle once my balance was a XXXX. In XX/XX/XXXX, I tried to sell this vehicle. When I filed for a duplicate title, I found out Ally still had n't released the lien on the car. I 've contacted them 3 times & have requested 4 different formats of the lien release & have yet to see it.

Can't repay my loan

When my loans were first coming into the repayment period, I was told that I did not qualify for an income-based repayment plan, despite the fact that as a XXXX I made exactly the same as every other intern in the first year of their XXXX training. I subsequently applied for forbearance over the following 60 months until graduating from XXXX when I could afford consistent monthly payments.

Improper use of your report

Customer service would n't take care of my matter remove inquiry from my credit report

Other features, terms, or problems

I transferred my balance fro m American Express to XXXX XXXX XXXX . American Express claimed that they received the close-out 5 days after my payment was due. They charged me an additional {$35.00}. I made the transfer more than 10 days before the du e date.

Problem with fraud alerts or security freezes

I have tried for 3 days to freeze my credit reports at Transunion unsuccessfully. I was able to freeze my credit with XXXX and XXXX without any issues, but am unable to do so with Transunion. I would have called them, but there is no number provided to reach them.

Improper use of your report

XXXX is reporting unauthorized inquires on my credit report.

Incorrect information on credit report

I requested a credit report, trans-union report has information that does not belong to me. XXXX and XXXX reports could not be accessed because the security questions I answered had information that was not submitted by me. Addresses and XXXX of the XXXX phone numbers added in 2008 were not associated to me. My name and identity were used unknown to me by someone else.

Credit reporting company's investigation

just a quick note I 'm not talking about them the creditors I 'm talking about you! Send me the information that I asked you for Months ago. seems like you do not have it. the way you been dragging your feet! Please send the documents to me..

Incorrect information on your report

I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. under XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX

Communication tactics

They Keep Calling Saying They Are A Pro Placement Service? A Debt Collector! But I Don't Owe Anybody Anything? I Asked Them Who They Are looking For But They Didn't Answer Me. They Have Called At least 20 Times, This Is A Scam! There Phone Number Is # XXXX XXXX XXXX

Unable to get credit report/credit score

About 2 years ago the bureaus dropped my credit score from about XXXX to XXXX claiming i opened too many lines of credit too quickly. However, Its been 2 years of on-time never late payments on all my accounts and my score is the same and refuse to recalculate it to account for this. Also there are XXXX judgments that are over 7 years old and need to be removed.

Loan servicing, payments, escrow account

Litton loan filed XXXX for closures with false documents, charged me fees that were subject to HUD section 8 violations, failed to apply payments in a timely manor, and charged fees for late payments, in spite of receiving certified bank checks, sent registered mail, and mis applied payments, falseified my credit history and payment history, filed fraudulent legal documents that were later to found forged

Managing an account

I use an app/company called XXXX XXXX to add money by electronic deposit into my account. Bank of America does not keep the amount in my account up to date. Sometimes it goes for days without updating. For example right now on the app it is showing my account to be {$20.00}, when in fact my balance is over {$1000.00}. The app sees that the balance is only {$20.00} and it causes delays in my deposits.

Threatened to contact someone or share information improperly

today, XX/XX/XXXX/17, XXXX XXXX called my cell phone, then my job, once asking for me, then called back again asking for my supervisor. I informed him not to call my job again the first call. He has threaten to send me something to come to court.

Struggling to pay mortgage

ocwen is attempting to foreclosure on my home with an assignment that clearly fraudulent. the assignment was created showing ocwen as the lender. the company that i originated the loan with is out of business and XXXX conveyed. i dispute the validity of this debt with ocwen. i sent a qwr and they have not responded to. the assignment to gmac is also fraudulent. XXXX XXXX, Va XXXX are well known robo signers both are the assignments filed in XXXX CO are fraudulent.

Account opening, closing, or management

I WAS A CUSTOMER OFF WELL FARGO BANK A BOUT 10- 7 YEARS A GO THEY OPEN CHECKING ACCOUNT FOR ME I HAD A FEW OVER DRAFT THEY CLOSED I DID PAY UP THE OVER FEE NOW SOME ONE USED MY INFO.TO OPEN A NEW ACCOUNT I TRY TO LET THEM NO ITS NOT ME BUT THEIR IS NO ONE TO TALK TO NOW I HAVE PROBLEM OPEN IN A NEW ACCOUNT

Incorrect information on credit report

Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Loan servicing, payments, escrow account

Champion Mortgage is not processing a short sale request in adequate fashion.

Struggling to pay mortgage

Bank of America informed me that XXXX, XXXX was servicing my mortgage. I contacted XXXX and was told that Bank of America is still servicing the mortgage. I want to avoid foreclosure but have received multiple points of contact and do n't know who I should speak to. Please help.

Incorrect information on credit report

If all the dispute have been settled! Who is responsible for correcting my credit score?

Other

My Chase credit card was used in XXXX XXXX at an XXXX XXXX but my fraud claim was rejected.

Managing the loan or lease

Per my credit report, it has been report my GM Financial auto loan # XXXX was charged off for bankruptcy. However, I never filed bankruptcy and have continued to make regular payments. My loan is not scheduled to mature in 2018. In reality, I have been paying more than my scheduled payments and have a balance of {$1700.00}.

Disclosure verification of debt

I wrote letter to Wells Fargo Dealer Services dated XXXX/XXXX/2015 disputing my previous account with them regarding late payments. They are now playing games asking me with more information. I provided Wells Fargo with my account number. They should be able to find my account.

Improper use of your report

These 8 inquiries on my Transuniom report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Transunion several times, issue still unresolved.

Cont'd attempts collect debt not owed

The online seller company charged every cost of the order I placed before company shipped their products. No one online seller will ship out their product to buyer if they has not charge the full payment from buyer, either the payment method is paper check or credit card. In my case, this company always charged the payment from my credit card account. I can show all the payments I have paid and orders that I have placed.

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

Reported that I was 90 days late on a payment, while in a current forbearance. Credit score dropped 177 points due to this. And credit card limit was lowered due to this error in information.

Improper use of your report

The Equifax security breach is a horrible act of neglect on their end, and being affected by this has caused me to waste hours of my personal time in an effort to see if I 'm affected ( at best ), and may result in personal damages to my financials ( at worst ).

Identity theft / Fraud / Embezzlement

Macy's/DSNB is reporting a fraudulent account on my XXXX credit file XXXX I have never had an account with Macy's/DSNB and never will, please remove this account ASAP, it is hurting my credit file and I have excellent credit. The account info is below. Macy's/DSNB XXXX Amount Owed : {$570.00} Status : Charge Off Opened : XXXX/XXXX/2011

Incorrect information on your report

my mortgage account with XXXX Mortgage shows as not current for over a XXXX when the account has been on automatic withdraw from my checking account

Struggling to pay your bill

Regarding my recent late payments in relation to medical issues I am requesting late charges be waived and removed from my account. And also removed from the consumer reporting agencies. I would like to have my minimum payment amount lowered. Respectfully, XXXX XXXX XXXX

Loan servicing, payments, escrow account

Green Tree Servicing give and and all personal information to anybody that called them or that they called. And blew my phone and my family 's phones all day. They were very mean and made rude comments to us.

Loan servicing, payments, escrow account

It appears that the Ocwen mortgage loan and the XXXX XXXX bank loan are showing as XXXX separate mortgages. The XXXX loan was transferred to Ocwen during the Short sale process. I was told that due to the opening dates being the same, it is appearing to other potential lenders that they are XXXX separate mortgages. This is severely affecting my borrowing abilities and request it be taken care of. Neither lender will work with me on this dispute.

Cont'd attempts collect debt not owed

This company has been paid in full and they are still reporting negatively to all XXXX credit bureaus. status on my credit reports say closed ; paid but is still in negative status. when I called XXXX and XXXX, I was told that it was not them reporting it negatively it was the company reporting it.

Unable to get your credit report or credit score

XXXX gave me XXXX , and then failed to give me XXXX or equifax.

False statements or representation

XXXX XXXX XXXX is collecting a debt that I am not aware of and the license number XXXX is expired to collect in the state of Florida the account number for this debt is XXXX .... The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX

Incorrect information on your report

I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and Equifax and XXXX credit reports. <P/>They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.

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

Requested XXXX original creditor to send validation or remove from credit report. The only thing they say is that account is verified. I never received any validation from anyone.

Delinquent account

Best Buy XXXX placed 37 separate calls to my phone over a 6 day period for collection of an overdue amount of {$53.00}. Calls occurred between XXXX and XXXX.

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

I have disputed multiple XXXX XXXX accounts on my credit it was deleted and put back on my credit. I ask them to validate the debt with signature they havent provided me with no proof of this debt. This is the second time i reported to your company for violating. They have agreed to remove it from my credit report it has been a month nothing has happen.

False statements or representation

I received XXXX notices from Transworld Systems Inc. that my student loans were eligible for default. The letters went on to say that Transworld verified my employment and that my lender may contact my employer to institute a wage garnishment. I have not had loans with this company for years. I called and both Transworld and the lender told me this was a mistake by Transworld, that they accidentally sent out XXXX these letters to consumers. This is atrocious.

Communication tactics

I have repeatedly reached out to Jefferson Captial systems regarding a collection ( debt ) listed on my credit report for {$1100.00}. Jefferson Captial Systems can not validate that I directly owe them a debt. The original creditor is XXXX XXXX & by law if you are not the original creditor you can not collect a debt that it not solely owed to you. XXXX XXXX has received their funds. I would like this company to remove the negative, enormous information fron my credit report.

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

Bankruptcy was dismissed XX/XX/XXXX and still has not been removed. ( Was originally filed XX/XX/XXXX ). Judgment was satisfied Supreme Court State of N.Y XX/XX/XXXX and still has not been removed.

Incorrect information on your report

inaccurate information cra and hippa violation must remove them not 100 % correct

Incorrect information on your report

Despite this account already being showed to be Id theft both companies have replaced it once again on my credit report sevelu damaging my life and my ability to feed my children, obtain housing or any time of loan while Im XXXX.

Cont'd attempts collect debt not owed

XXXX is charging for time usage on cellular numbers not used. I have disputed this several times, yet they do not send me documentation to back this debt because there isnt. How can I owe money when I didnt use their service.

Charged fees or interest I didn't expect

I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job.

Attempts to collect debt not owed

This is not my debt, I have disputed this with no outcome. Please help

Billing statement

American Express is emphasizing a " pay by '' date which is 3 weeks after the statement date. They do list a " closing date '' as well, which is at the required 30 day interval but do not explain what it means. This is misleading and appears to be designed to circumvent the intent of the law. I would ask that this be addressed by the CFPB. XXXX examples ( from different mailings ) are attached to this submission.

APR or interest rate

Care credit charged me interest when supose to be 0 % interest for 6 months same time as the care credit law suit

Cont'd attempts collect debt not owed

Had a Capitol One card..Went into collections, and was paid through XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ... .I keep getting calls and harassment from XXXX, I have explained many times that the debt is paid in full, they do n't listen ... .I 'd like to make a claim against them to stop this nonsense ... .Their phone # is XXXX they go by Portfolio Recovery ... .Please advise me what to do ... I have all the docs from XXXX XXXX that it has been paid

Communication tactics

Upon speaking to the representative he never read me the mini Miranda, I validation of the debt when he refused to provide. I also, informed the rep that i was making payments direct to client.

Account opening, closing, or management

I 've taken action during the past 60 days, to date MIDLAND FUNDING has not resolved my issue. Can you please support me in resolving this matter as I have followed all the necessary steps in disputing provided to me by the Federal Trade Commission, and the CFPB but have not bee successful. Should you need any other information, please let me know. Sincerely, XXXX XXXX

Improper use of your report

Citibank NA processed two consecutive UNAUTHORIZED hard credit report inquiries into my individual XXXX credit information. The first hard XXXX credit report inquiry occurred on Tuesday, XXXX XXXX, 2017, and the second hard XXXX credit report inquiry occurred on Wednesday, XXXX XXXX, 2017.

Incorrect information on your report

Hello, Consumer credit reporting agencies are reporting an account I do n't believe is mine, or is incorrect as I have had no business with the listed company. Item is listed as : XXXX XXXX XXXX XXXX , for the debt of XXXX XXXX XXXX XXXX for {$1300.00} USD. Can the CRA 's confirm validity and provide proof of debt? Thank you.

Cont'd attempts collect debt not owed

XXXX is charging me {$120.00} but the phone I purchased for them got stolen and I have no way of returning the phone and my income status is really low.

False statements or representation

Repeatedly contacted to collect debt but wo n't give sufficient details of creditor or matter pertaining to

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

I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.

Managing an account

TD Bank is blocking me from accessing my account information via external applications. This reduces my ability to use my funds as desired.

Attempts to collect debt not owed

I RENT A CAR WITH XXXX RENT A CAR FOR XXXX WHEN I RETURN THE CAR THEY CHARGE ME FROM XXXX ACCOUNT, AND PAID ME BACK THE SECURITY DEPOSIT TO ME ON XX/XX/2017 THEY TOOK COLLECTION ACTION BEFORE I SENT THEM THE LETTER BUT AGAIN THEY DOING IT BECAUSE THE LOOK XXXX XXXX XXXX LOCAL OFFICE THE GUY WHO DEAL WITH XXXX DONT LIKE MY NAME XXXX XXXX JUST TO PUNISH ME THEY ARE DOING THIS TO PUZZEL ME PLEASE STOP THIS COLLECTION ACTION I DONT OWE THIS MONEY THANK YOU XXXX XXXX

Cont'd attempts collect debt not owed

XXXX contacted collection agency called One Advantage, LLC and advised them that I do not owe anything on # XXXX/XXXX {$650.00}. I contacted One Advantage, LLC and requested from them a closed paid in full letter noting that I am not responsible or do not have a pending open balance.

Managing the loan or lease

Refinanced my vehicle with Carfinance.com, went to make a payment and realized that they do not offer an option to use your checking account with incurring any additional fees. When I called in to pay, they wanted to charge me {$10.00} pay-by-phone fee. The only option I have is to mail my payment in, and that doe not guarantees me that they will post my payment on time, which may cause addition late fees.

Can't repay my loan

I can not get them to work with me with my interest rate and payment. I know that I took out the loans but the state I live in pays absolute ROCK bottom for my field of study. I ca n't find another job because the school I attended shut down for lack of accreditation the year I finished and my degree is now tainted.

Can't repay my loan

Enrolled at XXXX College in XXXX XXXX, California. XXXX College was part of the XXXX College system. Did not receive education as represented or job placement assistance as promised. The whole thing was a fraud. Was ripped off and now am being asked to pay for, essentially, nothing.

Loan modification,collection,foreclosure

I applied for mortgage assistance in XX/XX/2016. At that time I sent in all the documentation and since then have been waiting for a reply. On XX/XX/XXXX I received a notice of intent to accelerate my loan even though I was current. The bank has misapplied funds in more than one case and keeps on calling me late. It is very difficult to pay my mortgage. The bank has now given me bad credit by misapplying my payments and accelerating my mortgage.

Communication tactics

There is a debt collector ( central credit services ) company calling me numerous times through a single day over a XXXX bill I owe. The amount is {$160.00}, which I have advised 2 times that I would be calling in once I have the money to pay. The next day and every day after that they have called me and left the same messages. This is harassment!