determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Communication tactics	They have tried calling me at work 3 or 4 times today. I have hung up once and refused the call twice because they can not even pronounce my name properly so I know they do not know me.
Incorrect information on your report	My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ Equifax and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.
Dealing with my lender or servicer	I fall under thecurrent lawsuit I was only offered a forebearance, late fees, and misapplication of funds. I took out an XXXX loan that has costs me over XXXX. I have complained and nothing.
Incorrect information on your report	I lived in XXXX, XXXX, XXXX, and XXXX, XXXX. But I never live in XXXX and XXXX I never live on address : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX
Incorrect information on credit report	I was sent to collections by XXXX XXXX XXXX. I paid in full to XXXX XXXX XXXX and have copies of my bank statements with all the electronic pmts. This is being reported as open by Transunion.
Getting a credit card	On XXXX / XXXX / 17 , I applied for the CitiBank Business c redit card with XXXX XXXX . They denied me wrongfully online at the time of application. My credit score i s over XXXX , and I contend the denial was wrongful, likely based upon religion as adjudged from my last name. My social security number is XXXX XXXX XXXX .
Cont'd attempts collect debt not owed	My home went through foreclosure in XX/XX/XXXX. In XX/XX/XXXX I received a 1099A stating that my home has a fair market value of {$190000.00} and that I owed {$120000.00}. In XX/XX/XXXX my home sold for {$120000.00} which covered the amount awed to XXXX. I then started receiving letters from Dyck O, Neal stating that I owe them {$75000.00} from the original creditor XXXX.
Cont'd attempts collect debt not owed	There is a chargeneral on my XXXX report for the amount of {$94.00}. I contacted the collection agency by the name of IC Systems Inc. and the advised me that it would be removed. This was threw months ago and it still reflecting on my acount.
Problem with a credit reporting company's investigation into an existing problem	Equifax Fraud : XX/XX/XXXX to XX/XX/XXXX at least 10 filings with docs to validate request to remove duplicate report 2 Equifax finally fixes after CFPB Complaint and reports fixed onXX/XX/XXXX. 3 Equifax then returns to the duplicate mortgage report ONE WEEK AFTER FIXING XX/XX/XXXX. DECEPTIVE. FRAUDULENT. AGAINST FCRA. FTC, AND CFPB REGULATIONS. ONE WEEK THEN LIED.
Dealing with my lender or servicer	I was approved for a forbearance and I was told it would cover all the time I was late. But it still shows on my credit report as late on both occasion that I was approved for an forbearance. I wrote to have them removed and I have still not heard anything from the company.
Cont'd attempts collect debt not owed	ICS KEPT CALLING ME FROM ( XXXX ) XXXX REGARDING # XXXX, COLLECTING FOR XXXX XXXX XXXX IN VIOLATION OF FDCPA, AND TCPA.
Unable to get credit report/credit score	I was informed by the XXXX XXXX XXXX XXXX that due to Equifax report they had denied me a line of credit. I tried to obtain free report with Equifax , however was unable to because they request a U.S. social security number. XXXX. I would like to obtain the credit report that is preventing me from obtaining credit with the XXXX.
Attempts to collect debt not owed	My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize. XXXX XXXX XXXX XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.
Improper use of my credit report	XXXX has an authorized inquiry for XX/XX/2016. There was already an inquiry on XX/XX/2016 from XXXX. This a duplicate unauthorized inquiry.
Improper use of your report	I DID NOT AUTHORIZE THIS INQUIRY
Incorrect information on credit report	Capital One bank says that I owe XXXX dollars on a credit card that is not mine. It is being reported on my credit as a XXXX dollar balance that I have never incurred. I believe that I was a victim of identity theft.
Communication tactics	I sent a letter to this company requesting written mail correspondence only and no phone calls. This company has called over 5 times since asked not to.
Improper contact or sharing of info	Credence Resource Management LLC is calling me XXXX times everyday about a debt I do not owe. I have written them a letter telling them to stop all communication attempts with me to no avail. Their address is XXXX XXXX XXXX, XXXX, MI XXXX.
Incorrect information on credit report	My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.
False statements or representation	SWC Systems state that I owe their client XXXX {$490.00}. Instead, they 've reported an amount of {$490.00} to the CRA 's, which means they 've misstated the balance due and trying to collect more than the alleged amount. This is a FCRA and FDCPA violation. Sincerely, XXXX XXXX
Loan servicing, payments, escrow account	Mortgage company, PRMG, is refusing to update the account information from showing a late payment to showing account is current. Six payments due, six payments received. Reporting to Credit Bureaus as late, which it is not.
Problem with a credit reporting company's investigation into an existing problem	XXXX I disputed some items on my credit report. I asked all XXXX credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all XXXX saying it was verified.
Closing an account	Bank of Hawaii is refusing to provide copies of checking account agreements and signature cards. They refuse to do so absent a court order or subpoena according to their customer service representative and the 'supervisor XXXX '. They will also not provide their names or employee ID so there is NO accountability. This is poor customer service. They only provide a single phone # XXXX.
Loan servicing, payments, escrow account	I took a XXXX mortage thru plazza home mortage. They had me put {$3500.00} extra in escrow. They have since lost the {$3500.00}. No one will speak with me. Have been calling since XX/XX/XXXX.
Incorrect information on credit report	I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.
Improper contact or sharing of info	Tower loan company came to my home and a friend was aty house and answered my door and told them I was not home. They told him that my account was past due and I must pay immediately. They should n't have talked to anyone about my loan. They call my friends and family every day and call me at least XXXX times a day. This is very unprofessional and borderline harassment.
Communication tactics	We have been getting robocalls from Naviant every evening at the same time XXXX. Asking us to call XXXX number. Returned call once ..was told we have been listed as reference on a student loan app ..told them we knew of no such app. For a while got message threatening vague legal action in reference to a person we have never heard of. Would like calls to stop and Naviant to be sanctioned.
Disclosure verification of debt	There is no verification that I am obligated to the debt for the child they are alleging.
Communication tactics	Keeps call 7 times a day. Also early in the mornings and on Sundays and wo n't let up. AMAZON
Rewards	I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.
Incorrect information on your report	USA Funds accounts were student loans that were taken over by XXXX. I am in good standing with all XXXX accounts, but the USA Funds are showing active and past due. USA Funds account numbers 1-XXXX 2-XXXX 3-XXXX 4-XXXX 5-XXXX XXXX account number XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX
Improper use of your report	I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. I do not have an account with this company. I did not apply for anything with this company.
Incorrect information on your report	cra violation inaccurate information sent police report and idtheft
Improper contact or sharing of info	Calling my children 's phone number and leaving a threatening tone on their voicemail which has caused panic.
False statements or representation	XXXX is reporting 17 late payments on XXXX Credit report illegally after the date of discharge on the following account after repossession / charge off date. Ford Motor Credit is also reporting on my XXXX XXXX credit report 47 lates after repossession and after account was closed and charged off Ford Motor Credit- # XXXX To report lates on closed account is illegal.
False statements or representation	We 're not able to agree on the amount owed. I do owe them money just not the amount they 're claiming.
Improper use of your report	I am included in the list of potential victims in the recent Equifax leak.
Problem with a credit reporting company's investigation into an existing problem	90 day Late payment by cap ital one a uto finance
Incorrect information on your report	cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts
Disclosure verification of debt	I wrote to XXXX and asked them to prove they are the legal owners of the debt. They have not provided anything that proves their ownership. I also asked them that they be removed from my credit report but they continue to report the debt.
Attempts to collect debt not owed	DEVILLE ASSET MANAGEMENT XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX is trying to collect a debt on behalf of XXXX. I do not owe this debt. They refuse to listen to me regarding this. The amount they say I owe is XXXX.
Cont'd attempts collect debt not owed	I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to me.
Loan servicing, payments, escrow account	BSI Financial Services took over a loan I had with XXXX. The problem is very poor and inaccurate service on the loan. No return phone calls or information provided on the loan. Miss paid Escrow and other issues. Lack of staff to help customers. This is a collections business with only one goal. I am not that individual this type of service is not acceptable to me or millions of individuals with good credit and payment history.
Dealing with my lender or servicer	XXXX college took out a private loan in my name and then when they closed i found out that they had taken over {$20000.00} in federal loans plus $ XXXX+ in Pell Grants and XXXX Separate private loans for XXXX $ XXXX+ and XXXX XXXX XXXX for $ XXXX+. My tuition was only {$29000.00}. So this does not add up. The private loan company for XXXX has no idea what to do as far as discharging my loan. I need help!
Cont'd attempts collect debt not owed	I was never sent notice of this debt, it just appeared on my credit report. Furthermore this debt is not mine or is older than 7 years old. No debt validation was given or sent or a notice that this account was going to be reported to a credit bureau. i would like proof that this account is mine by company furnishing original signed documents, all payment history if this account is mine, and date of last delinquency.
Money was not available when promised	Deposit of XXXX made on XX/XX/XXXX, 3 separate deposits of XXXX made on XX/XX/XXXX. Wanted to withdraw the money as no longer wanted to use it to invest. Attempted to withdraw, was told to send a bank transfer of a few euros and then this would link my account. This was done on XX/XX/XXXX but no account was ever linked. Ca n't contact them any way, only their XXXX Bot on the website.
Account opening, closing, or management	In 2013 a XXXX male approaced me an manipulated me an pressured me into the bank of America on XXXX XXXX XXXX he then placed a fake check into the ATM with drawing over two hundred dollars then he ran away my accounts were then closed Ian a victim so please clear this up so I can open account again thank u remember I am a victim of fraudulent acks
Billing disputes	I received a bill for an annual charge for a card that I have not used in over a year. I did not see the bill until I received a bill the following month for a late fee and interest for the original {$18.00} membership fee. The new total was {$33.00}. I called and closed my account, but they insisted that I still owned them the {$18.00} annual membership fee. Every year up until now they have waived the fee, until now. This is not fair or customer friendly.
Cont'd attempts collect debt not owed	I am not aware of this account that is on my report for an illegal eviction since the locks were changed before the eviction court proceedings took place and while the original notice was still in play.
Deposits and withdrawals	Wells Fargo has placed a 10 day hold on a deposit, causing {$140.00} in over drawn fees. The Check has cleared the sending bank, but Wells Fargo will not honor the check and will only refund a quarter of the fees. They are telling me that it is not a bank error that they have not collected the money yet from the sending bank.
Cont'd attempts collect debt not owed	Receivable Management is reporting an auto insurance debt on my credit report from XXXX XXXX. I do not owe any outstanding debt to XXXX. I currently have a policy with XXXX. They would not have given me the new policy if i had an outstanding debt.
Communication tactics	The agent was very rude and unprofessional also unwilling to listen to me took control of the whole conversation and hung the phone up while I was still talking, also I asked to speak to his supervisor and all that happened was he used a different name but was the same individual the agent name is " XXXX "
Settlement process and costs	I cannot close my short sale without the Assignment of Mortgage from this lender after short sale has been approved on XX/XX/2015. Me, my realtor and law firm company called Green Tree Servicing and left several messages requesting this to be done but nobody is helping us. My bayer is telling that they will walk away from the house if don't close by XX/XX/2015.....Not sure what to do !
Dealing with my lender or servicer	I overpaid Discover Student Loan Services ( {$2000.00} ) and have been getting the run around trying to get a refund. It 's been over 70 days since I gave them notification ( e-mail and I have a solid paper trail ) and I continually get " the check is in the mail ''. Any suggestions?
Other	Chase denied credit card application by mistake.
Communication tactics	I get frequents calls from collection agency asking to paid a bill that I do n't have any idea about it. I do n't have any record or bills about this company. I am not keeping answering calls from this collection agency who tried to scared me and intimidate me on the phone.
Communication tactics	They call my cell at least twice a day and my home line at least twoce a day as well.
Improper use of your report	My private information was released as part of the Equifax breach. I demand that Equifax overhaul and drastically improve their digital security to protect my personal information in the future. Their handling of this breach has been absolutely ridiculous and, as far as I can tell, borderline criminal. If there was a way for me to take my business elsewhere, I absolutely would.
Money was not available when promised	I sent XXXX USD to Coinbase via a wire transfer on XX/XX/XXXX. I have not received it not has it been returned. I have opened tickets and called them, but they have given me the run around. This is scam behavior.
Incorrect information on your report	Nelnet has two accounts showing several late payments on my credit report in 2012. I contacted their office over 45 days ago, with no response from Nelnet, which is a violation of my FCRA.
Cont'd attempts collect debt not owed	Debt was paid on XXXX XXXX, 2014. Original was owe to XXXX but was sold to Midland. Request deleting/removal from credit report profile from XXXX credit bureaus.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Attempts to collect debt not owed	I called the company and attempted to dispute this debt because I do not owe this debt and was not helped.
Account opening, closing, or management	Bank of America is charging me fees for my former credit card account which was closed on XX/XX/2016. I have contacted them several times to no avail. The account is closed. I moved from XXXX to XXXX last year. I had BOA accounts for 20 years in XXXX. I am now in XXXX. There are no BOA locations here. The closest XXXX to me now is XXXX miles away. All my BOA accounts are now closed, but BOA continues to send me monthly statements for credit card fees.
Incorrect information on your report	Company : XXXX XXXX XXXXXXXX. Vehicle:2017 XXXX XXXX XXXX XXXX : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.
Incorrect information on credit report	I have included documentation proofing original account not mine. incorrect original account #. In addition, wrong delinquent dates according to XXXX XXXX. This company is not only reporting an account that is n't mine but the deliquent date of this account is re-aged. I have provided proof and sent in writing. I received a response on XXXX/XXXX/17 from equifax that dispute was verified as correct.
Dealing with your lender or servicer	For each monthly payment, a {$10.00} fee is assessed supposedly for processing.
Incorrect information on your report	I have notified XXXX and Transunion that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.
Deposits and withdrawals	I receive a workers compensation check that is drawn on Wells Fargo, which is were my checking account is. Mind you I could sign the check and cash with no problem, but when I put check in my account they lock up the funds for XXXX days before they release anything. It like they deliberately want to hold on to my funds so they can charge for overdrafts and make interest.
Managing the loan or lease	Bill for services provided by XXXX ; toal of XXXX, apid XXXX. Third party lender ( Monterey Financial Services ) financed a remaining balance of XXXX on bill. After 4 payments of XXXX ( total of XXXX ) paid so far, called for payoff amount and was told it was XXXX! Nearly 200 % profit on a 14 month loan.
Fraud or scam	sent money to a security company money, through western union they say it was received or was picked up but not to the person sent to did n't receive it the only solution they could come up with was western union got hacked and stole it
Struggling to pay mortgage	Please consider this correspondence to be formal notice that our mutual client is hereby Submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). <P/> No response to our QWR and NOE request provided by the lender. <P/> The lender has also failed to respond to our Notice of arbitration and Lis Pendens
Can't stop withdrawals from your bank account	I sent this via email on XX/XX/XXXX RE : Loan ID : XXXX /Revocation of ACH Credit and Debit Authorization TO WHOM IT MAY CONCERN : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. Please confirm receipt of this revocation, and your intention to honor it, no later than ( Monday, XX/XX/XXXX ). Confirmation may be made via email at : XXXX XXXX XXXX
Getting a credit card	Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from Citibank ( cbna ) and XXXX XXXX, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.
Loan modification,collection,foreclosure	I was removed from the HAMP Loan Modification Program and foreclosed upon, inadvertently. This statement was in a letter sent to me from Wells Fargo. Please help me, they ruined my families life.
Incorrect information on your report	I have so many information in my credit report such as names and employment and I have contacted and requested dispute to Experian but they never helped! please help
Improper use of your report	Unauthorized credit inquiry on XXXX credit report. Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity. Some have 2 credit inquires on XXXX credit report.
Cont'd attempts collect debt not owed	I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services
Customer service / Customer relations	American Express card company called me at my employment location and demanding a past due payment, my social security number, and my checking account number " harassing me at my employment location ''.
Using a debit or ATM card	I do n't understand why banks are allowed to charge such high ATM fees, and do it on both sides. I am paying up to XXXX dollars on a transaction. This is unregulated robbery and you need to put a stop to it.
Communication tactics	This company calls my cell phone and my work number asking to verify my information. They also call my human resources manager a sking to verify information about me personally. I investigated the number that they were calling from and I found many complaints and reviews that they are a fraudulent collection company.
Improper contact or sharing of info	This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care.
Attempts to collect debt not owed	Optimum Outcomes continues to report fraudulently obtained accounts on my credit reports after I have formally requested and sent them my original police report for identity theft. I have disputed with the credit bureaus but Optimum continues to verify it as mine.I 'm filing a complaint on this company for deceptive business practice and code of ethics.
Cont'd attempts collect debt not owed	creditor withdrew original.debt told collector drop but it is still on my credit report
Closing your account	I got a credit card from XXXX and I dont want it. I have tried to cancel. You are on hold and no one ever picks up. I did not use the card and I dont want to be charged for the processing fee. Help
Incorrect information on credit report	I have XXXX inquiries that generated an account and I was able to close the accounts before any fraudulent charges were made. The inquiries still showing on my report and transunion refuses to help me with the issue and expedite the process inquiries are the ones bellow : XXXX XX/XX/XXXX and XXXX bank XX/XX/XXXX Please do not delete the other XXXX as it belongs to me.
Cont'd attempts collect debt not owed	FIRSTSOURCE ADVANTAGE LLC seeks to advance collection for XXXX XXXX XXXX for an alleged XXXX XXXX XXXX debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. The debt collection is barred by the statute of limitations and enforcement is illegal. Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.
Incorrect information on your report	Identity theft fruadulent open accounts and inquiry Equifax XXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX Inquiry XXXX XXXX XXXX Date XX/XX/XXXX
Attempts to collect debt not owed	I contacted the bureaus, and XXXX about a telephone bill that is not mine. I proved to them that I am victim of Identity Theft. An ID Theft Report was sent these companies, they could not validated the XXXX account which was purchased by XXXX XXXX. It seems XXXX has sold the account twice. The second company being DIVERSIFIED CONSULTANTS, which has inserted a negative mark on my credit.
Improper contact or sharing of info	this company has been calling me 3 times a day. I am not well and have not answered the phone. They then have been calling my mother, whom I have asked them twice not to contact again since she is old and ailing. They continue to contact her.
Improper use of your report	Equifax believes my data to have been compromised in the recent hack. This is unacceptable.
Taking/threatening an illegal action	The collection company by the name of " MCM '' or " Midland Credit Management , Inc. '' has been threatening to sue me for debt that is way past my states statute of limitations. I wrote them a letter to stop harassing me or I would take further action. They ignored me and sent me another letter. I am now contacting the CFPB for their assistance to help me get these leeches away from me.
Billing statement	We received a debt notice from a collection agency related to a XXXX we had applied for but did not receive indicating that we owed {$250.00} which should be mailed to them. We contacted XXXX Rewards Card and they have no record of this and advised us to submit a complaint. The collection agency is listed as : XXXX XXXX, XXXX XXXX XXXX, XXXX, OK XXXX, Phone XXXX. I have not been able to reach them on the phone, and I will not contact them as I 'm certain this is a scam.
Struggling to repay your loan	I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX year old child with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. To XXXX XXXX XXXX XXXX i owe - {$23000.00} To XXXX XXXX XXXX XXXX i owe - {$49000.00} This was all for a 2 year degree no one will even look at because it says XXXX on it. Please help i am getting physically ill from the XXXX of dealing with these people.
Loan modification,collection,foreclosure	Its been more than 4 years that we have requested unsuccessfully access to the table that the First Bank used to compute the prevailing maximum rate for the conventional mortgage from XX/XX/XXXX to XX/XX/XXXX and also we have send First Bank a certified letter on XX/XX/XXXX describing in details why we are requesting that table. The certified letter was received but until this day has n't been answer.
Taking/threatening an illegal action	I received the FIRST notice of the debt on XXXX/XXXX/2016. Before I could even dispute this debt I received A wage attachment hearing notice on XXXX/XXXX/2016. I never received notice of judgment or lawsuit on this debt. I do not even know what this debt is for? Not even sure this debt is mine!
Incorrect information on credit report	Per previous request here is a notarized FTC affidavit, police report and I am disputing XXXX charge off entries on my consumer report with Chex Systems. I am disputing these entries with chex systems. The reported information that I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing the inquiries that were associated with these accounts.
False statements or representation	I have contacted Ability Recovery Services several times about reporting incorrect information to my XXXX, XXXX, and XXXX credit report. According to The State of Mississippi this company is not licensed to do business here in this state. This company has been fradualently reporting false information to my credit bureau files and refuse to correct and do harm to me. My name is XXXX XXXX. This account is listed as XXXX XXXX.
Settlement process and costs	In addition to elevating to OWNER of a home I never owned, Bank of America forwarded my social security number to XXXX so that they could place an ad in the news paper that I defaulted on a loan! I fear Bank of America plans to place the house I DO NOT OWN on my credit. They will not stop harassing me! Since Saturday I have received a certified letter NAMING ME AS OWNER and regular mail. They swore they had fixed this. They lied! I am no where on the home as owner!
Communication tactics	This debt is a result of me co-signing a student loan. They call allday long. If you do answer they demand personal information ( last XXXX of ss # plus date of birth ) before they tell reason for call, When I refuse to provide info over phone they hang up and call back within a hour. I have repeatedly ask them to stop calling. I 'm not avoiding the debt, they always get paid. I just do n't want to be harassed.

Communication tactics

They have tried calling me at work 3 or 4 times today. I have hung up once and refused the call twice because they can not even pronounce my name properly so I know they do not know me.

Incorrect information on your report

My account w/ XXXX is being reported as a 90 day delinquency. I have made contact w/ Equifax and provided proof from XXXX indicating that I WAS NOT in delinquent BUT in forbearance. <P/>Payment history is 30 % of my credit score and its accuracy is most important. <P/>update the report and remove this 90 Day delinquency for XX/XX/2015.

Dealing with my lender or servicer

I fall under thecurrent lawsuit I was only offered a forebearance, late fees, and misapplication of funds. I took out an XXXX loan that has costs me over XXXX. I have complained and nothing.

Incorrect information on your report

I lived in XXXX, XXXX, XXXX, and XXXX, XXXX. But I never live in XXXX and XXXX I never live on address : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX

Incorrect information on credit report

I was sent to collections by XXXX XXXX XXXX. I paid in full to XXXX XXXX XXXX and have copies of my bank statements with all the electronic pmts. This is being reported as open by Transunion.

Getting a credit card

On XXXX / XXXX / 17 , I applied for the CitiBank Business c redit card with XXXX XXXX . They denied me wrongfully online at the time of application. My credit score i s over XXXX , and I contend the denial was wrongful, likely based upon religion as adjudged from my last name. My social security number is XXXX XXXX XXXX .

Cont'd attempts collect debt not owed

My home went through foreclosure in XX/XX/XXXX. In XX/XX/XXXX I received a 1099A stating that my home has a fair market value of {$190000.00} and that I owed {$120000.00}. In XX/XX/XXXX my home sold for {$120000.00} which covered the amount awed to XXXX. I then started receiving letters from Dyck O, Neal stating that I owe them {$75000.00} from the original creditor XXXX.

Cont'd attempts collect debt not owed

There is a chargeneral on my XXXX report for the amount of {$94.00}. I contacted the collection agency by the name of IC Systems Inc. and the advised me that it would be removed. This was threw months ago and it still reflecting on my acount.

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

Equifax Fraud : XX/XX/XXXX to XX/XX/XXXX at least 10 filings with docs to validate request to remove duplicate report 2 Equifax finally fixes after CFPB Complaint and reports fixed onXX/XX/XXXX. 3 Equifax then returns to the duplicate mortgage report ONE WEEK AFTER FIXING XX/XX/XXXX. DECEPTIVE. FRAUDULENT. AGAINST FCRA. FTC, AND CFPB REGULATIONS. ONE WEEK THEN LIED.

Dealing with my lender or servicer

I was approved for a forbearance and I was told it would cover all the time I was late. But it still shows on my credit report as late on both occasion that I was approved for an forbearance. I wrote to have them removed and I have still not heard anything from the company.

Cont'd attempts collect debt not owed

ICS KEPT CALLING ME FROM ( XXXX ) XXXX REGARDING # XXXX, COLLECTING FOR XXXX XXXX XXXX IN VIOLATION OF FDCPA, AND TCPA.

Unable to get credit report/credit score

I was informed by the XXXX XXXX XXXX XXXX that due to Equifax report they had denied me a line of credit. I tried to obtain free report with Equifax , however was unable to because they request a U.S. social security number. XXXX. I would like to obtain the credit report that is preventing me from obtaining credit with the XXXX.

Attempts to collect debt not owed

My Identity Information has previously been compromised and used to open several accounts and inquires without my permission. These are just some of the accounts that were opened that I do n't recognize. XXXX XXXX XXXX XXXX XXXX Emergency Medical Date opened- XXXX XXXX, 2016 Balance-XXXX This account is fraudulent and needs to be removed off of my credit files with XXXX, XXXX and XXXX.

Improper use of my credit report

XXXX has an authorized inquiry for XX/XX/2016. There was already an inquiry on XX/XX/2016 from XXXX. This a duplicate unauthorized inquiry.

Improper use of your report

I DID NOT AUTHORIZE THIS INQUIRY

Incorrect information on credit report

Capital One bank says that I owe XXXX dollars on a credit card that is not mine. It is being reported on my credit as a XXXX dollar balance that I have never incurred. I believe that I was a victim of identity theft.

Communication tactics

I sent a letter to this company requesting written mail correspondence only and no phone calls. This company has called over 5 times since asked not to.

Improper contact or sharing of info

Credence Resource Management LLC is calling me XXXX times everyday about a debt I do not owe. I have written them a letter telling them to stop all communication attempts with me to no avail. Their address is XXXX XXXX XXXX, XXXX, MI XXXX.

Incorrect information on credit report

My student loans have always been in Deferment and Forbearance due to my situation at the time. Anytime I took on the deferment or forbearance the creditor re-aged the account and back dated the deferment or forbearance however on my credit report there is some inconsistency. XXXX XXXX XXXX shows I have missed XXXX payments open in XXXX 2007 on XXXX account and XXXX payments on the additional account opened XXXX 2007. The information is reported incorrectly.

False statements or representation

SWC Systems state that I owe their client XXXX {$490.00}. Instead, they 've reported an amount of {$490.00} to the CRA 's, which means they 've misstated the balance due and trying to collect more than the alleged amount. This is a FCRA and FDCPA violation. Sincerely, XXXX XXXX

Loan servicing, payments, escrow account

Mortgage company, PRMG, is refusing to update the account information from showing a late payment to showing account is current. Six payments due, six payments received. Reporting to Credit Bureaus as late, which it is not.

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

XXXX I disputed some items on my credit report. I asked all XXXX credit bureaus to verify the information, asking for a contract showing my signature as well as an accurate date of last activity. I have received no such information only all XXXX saying it was verified.

Closing an account

Bank of Hawaii is refusing to provide copies of checking account agreements and signature cards. They refuse to do so absent a court order or subpoena according to their customer service representative and the 'supervisor XXXX '. They will also not provide their names or employee ID so there is NO accountability. This is poor customer service. They only provide a single phone # XXXX.

Loan servicing, payments, escrow account

I took a XXXX mortage thru plazza home mortage. They had me put {$3500.00} extra in escrow. They have since lost the {$3500.00}. No one will speak with me. Have been calling since XX/XX/XXXX.

Incorrect information on credit report

I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.

Improper contact or sharing of info

Tower loan company came to my home and a friend was aty house and answered my door and told them I was not home. They told him that my account was past due and I must pay immediately. They should n't have talked to anyone about my loan. They call my friends and family every day and call me at least XXXX times a day. This is very unprofessional and borderline harassment.

Communication tactics

We have been getting robocalls from Naviant every evening at the same time XXXX. Asking us to call XXXX number. Returned call once ..was told we have been listed as reference on a student loan app ..told them we knew of no such app. For a while got message threatening vague legal action in reference to a person we have never heard of. Would like calls to stop and Naviant to be sanctioned.

Disclosure verification of debt

There is no verification that I am obligated to the debt for the child they are alleging.

Communication tactics

Keeps call 7 times a day. Also early in the mornings and on Sundays and wo n't let up. AMAZON

Rewards

I made a purchase of {$1000.00} on XXXX XXXX, 2015 using my Discover it card with XXXX XXXX. Discover was running a promotion offering XXXX % cash back on purchases made using XXXX XXXX. Discover has not paid the XXXX % cash back that was promised.

Incorrect information on your report

USA Funds accounts were student loans that were taken over by XXXX. I am in good standing with all XXXX accounts, but the USA Funds are showing active and past due. USA Funds account numbers 1-XXXX 2-XXXX 3-XXXX 4-XXXX 5-XXXX XXXX account number XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX XXXX-XXXX

Improper use of your report

I have tried to call this company to tell this them I never authorized any Inquires with this company XXXX. I never heard of them. I tried calling them on 2 occasions. Each time they said they would remove this Inquiry since I had no clue who they are and never authorized anything. I do not have an account with this company. I did not apply for anything with this company.

Incorrect information on your report

cra violation inaccurate information sent police report and idtheft

Improper contact or sharing of info

Calling my children 's phone number and leaving a threatening tone on their voicemail which has caused panic.

False statements or representation

XXXX is reporting 17 late payments on XXXX Credit report illegally after the date of discharge on the following account after repossession / charge off date. Ford Motor Credit is also reporting on my XXXX XXXX credit report 47 lates after repossession and after account was closed and charged off Ford Motor Credit- # XXXX To report lates on closed account is illegal.

False statements or representation

We 're not able to agree on the amount owed. I do owe them money just not the amount they 're claiming.

Improper use of your report

I am included in the list of potential victims in the recent Equifax leak.

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

90 day Late payment by cap ital one a uto finance

Incorrect information on your report

cra violation sent po report from hpd inaccurate information on credit report no knowledge of accounts

Disclosure verification of debt

I wrote to XXXX and asked them to prove they are the legal owners of the debt. They have not provided anything that proves their ownership. I also asked them that they be removed from my credit report but they continue to report the debt.

Attempts to collect debt not owed

DEVILLE ASSET MANAGEMENT XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX is trying to collect a debt on behalf of XXXX. I do not owe this debt. They refuse to listen to me regarding this. The amount they say I owe is XXXX.

Cont'd attempts collect debt not owed

I am a veteran widow whom is a recipient of Maryland State Medicaid and have been for several years. Therefore, the State is responsible for my health bills at XXXX cost to me.

Loan servicing, payments, escrow account

BSI Financial Services took over a loan I had with XXXX. The problem is very poor and inaccurate service on the loan. No return phone calls or information provided on the loan. Miss paid Escrow and other issues. Lack of staff to help customers. This is a collections business with only one goal. I am not that individual this type of service is not acceptable to me or millions of individuals with good credit and payment history.

Dealing with my lender or servicer

XXXX college took out a private loan in my name and then when they closed i found out that they had taken over {$20000.00} in federal loans plus $ XXXX+ in Pell Grants and XXXX Separate private loans for XXXX $ XXXX+ and XXXX XXXX XXXX for $ XXXX+. My tuition was only {$29000.00}. So this does not add up. The private loan company for XXXX has no idea what to do as far as discharging my loan. I need help!

Cont'd attempts collect debt not owed

I was never sent notice of this debt, it just appeared on my credit report. Furthermore this debt is not mine or is older than 7 years old. No debt validation was given or sent or a notice that this account was going to be reported to a credit bureau. i would like proof that this account is mine by company furnishing original signed documents, all payment history if this account is mine, and date of last delinquency.

Money was not available when promised

Deposit of XXXX made on XX/XX/XXXX, 3 separate deposits of XXXX made on XX/XX/XXXX. Wanted to withdraw the money as no longer wanted to use it to invest. Attempted to withdraw, was told to send a bank transfer of a few euros and then this would link my account. This was done on XX/XX/XXXX but no account was ever linked. Ca n't contact them any way, only their XXXX Bot on the website.

Account opening, closing, or management

In 2013 a XXXX male approaced me an manipulated me an pressured me into the bank of America on XXXX XXXX XXXX he then placed a fake check into the ATM with drawing over two hundred dollars then he ran away my accounts were then closed Ian a victim so please clear this up so I can open account again thank u remember I am a victim of fraudulent acks

Billing disputes

I received a bill for an annual charge for a card that I have not used in over a year. I did not see the bill until I received a bill the following month for a late fee and interest for the original {$18.00} membership fee. The new total was {$33.00}. I called and closed my account, but they insisted that I still owned them the {$18.00} annual membership fee. Every year up until now they have waived the fee, until now. This is not fair or customer friendly.

Cont'd attempts collect debt not owed

I am not aware of this account that is on my report for an illegal eviction since the locks were changed before the eviction court proceedings took place and while the original notice was still in play.

Deposits and withdrawals

Wells Fargo has placed a 10 day hold on a deposit, causing {$140.00} in over drawn fees. The Check has cleared the sending bank, but Wells Fargo will not honor the check and will only refund a quarter of the fees. They are telling me that it is not a bank error that they have not collected the money yet from the sending bank.

Cont'd attempts collect debt not owed

Receivable Management is reporting an auto insurance debt on my credit report from XXXX XXXX. I do not owe any outstanding debt to XXXX. I currently have a policy with XXXX. They would not have given me the new policy if i had an outstanding debt.

Communication tactics

The agent was very rude and unprofessional also unwilling to listen to me took control of the whole conversation and hung the phone up while I was still talking, also I asked to speak to his supervisor and all that happened was he used a different name but was the same individual the agent name is " XXXX "

Settlement process and costs

I cannot close my short sale without the Assignment of Mortgage from this lender after short sale has been approved on XX/XX/2015. Me, my realtor and law firm company called Green Tree Servicing and left several messages requesting this to be done but nobody is helping us. My bayer is telling that they will walk away from the house if don't close by XX/XX/2015.....Not sure what to do !

Dealing with my lender or servicer

I overpaid Discover Student Loan Services ( {$2000.00} ) and have been getting the run around trying to get a refund. It 's been over 70 days since I gave them notification ( e-mail and I have a solid paper trail ) and I continually get " the check is in the mail ''. Any suggestions?

Other

Chase denied credit card application by mistake.

Communication tactics

I get frequents calls from collection agency asking to paid a bill that I do n't have any idea about it. I do n't have any record or bills about this company. I am not keeping answering calls from this collection agency who tried to scared me and intimidate me on the phone.

Communication tactics

They call my cell at least twice a day and my home line at least twoce a day as well.

Improper use of your report

My private information was released as part of the Equifax breach. I demand that Equifax overhaul and drastically improve their digital security to protect my personal information in the future. Their handling of this breach has been absolutely ridiculous and, as far as I can tell, borderline criminal. If there was a way for me to take my business elsewhere, I absolutely would.

Money was not available when promised

I sent XXXX USD to Coinbase via a wire transfer on XX/XX/XXXX. I have not received it not has it been returned. I have opened tickets and called them, but they have given me the run around. This is scam behavior.

Incorrect information on your report

Nelnet has two accounts showing several late payments on my credit report in 2012. I contacted their office over 45 days ago, with no response from Nelnet, which is a violation of my FCRA.

Cont'd attempts collect debt not owed

Debt was paid on XXXX XXXX, 2014. Original was owe to XXXX but was sold to Midland. Request deleting/removal from credit report profile from XXXX credit bureaus.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Attempts to collect debt not owed

I called the company and attempted to dispute this debt because I do not owe this debt and was not helped.

Account opening, closing, or management

Bank of America is charging me fees for my former credit card account which was closed on XX/XX/2016. I have contacted them several times to no avail. The account is closed. I moved from XXXX to XXXX last year. I had BOA accounts for 20 years in XXXX. I am now in XXXX. There are no BOA locations here. The closest XXXX to me now is XXXX miles away. All my BOA accounts are now closed, but BOA continues to send me monthly statements for credit card fees.

Incorrect information on your report

Company : XXXX XXXX XXXXXXXX. Vehicle:2017 XXXX XXXX XXXX XXXX : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.

Incorrect information on credit report

I have included documentation proofing original account not mine. incorrect original account #. In addition, wrong delinquent dates according to XXXX XXXX. This company is not only reporting an account that is n't mine but the deliquent date of this account is re-aged. I have provided proof and sent in writing. I received a response on XXXX/XXXX/17 from equifax that dispute was verified as correct.

Dealing with your lender or servicer

For each monthly payment, a {$10.00} fee is assessed supposedly for processing.

Incorrect information on your report

I have notified XXXX and Transunion that the XXXX XXXX account was open as a result of identity theft. I have provided them with a FTC report and this account is still showing on my credit file. Can you assist me in getting this matter resolved once and for all.

Deposits and withdrawals

I receive a workers compensation check that is drawn on Wells Fargo, which is were my checking account is. Mind you I could sign the check and cash with no problem, but when I put check in my account they lock up the funds for XXXX days before they release anything. It like they deliberately want to hold on to my funds so they can charge for overdrafts and make interest.

Managing the loan or lease

Bill for services provided by XXXX ; toal of XXXX, apid XXXX. Third party lender ( Monterey Financial Services ) financed a remaining balance of XXXX on bill. After 4 payments of XXXX ( total of XXXX ) paid so far, called for payoff amount and was told it was XXXX! Nearly 200 % profit on a 14 month loan.

Fraud or scam

sent money to a security company money, through western union they say it was received or was picked up but not to the person sent to did n't receive it the only solution they could come up with was western union got hacked and stole it

Struggling to pay mortgage

Please consider this correspondence to be formal notice that our mutual client is hereby Submitting a complaint because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). <P/> No response to our QWR and NOE request provided by the lender. <P/> The lender has also failed to respond to our Notice of arbitration and Lis Pendens

Can't stop withdrawals from your bank account

I sent this via email on XX/XX/XXXX RE : Loan ID : XXXX /Revocation of ACH Credit and Debit Authorization TO WHOM IT MAY CONCERN : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. Please confirm receipt of this revocation, and your intention to honor it, no later than ( Monday, XX/XX/XXXX ). Confirmation may be made via email at : XXXX XXXX XXXX

Getting a credit card

Checked my XXXX XXXX account and noticed 2 hard inquiries for credit cards I did not apply for. Apparently theyre from Citibank ( cbna ) and XXXX XXXX, I did not apply for these, secondly, this is weird because what if someone out there is using my identity for other things. This matter needs to be investigated immediately!! Because I did not do this.

Loan modification,collection,foreclosure

I was removed from the HAMP Loan Modification Program and foreclosed upon, inadvertently. This statement was in a letter sent to me from Wells Fargo. Please help me, they ruined my families life.

Incorrect information on your report

I have so many information in my credit report such as names and employment and I have contacted and requested dispute to Experian but they never helped! please help

Improper use of your report

Unauthorized credit inquiry on XXXX credit report. Was notified but refuses to remove the unauthorized credit inquires I was a victim of identity theft due to the XXXX data hack. Someone else was using my identity. Some have 2 credit inquires on XXXX credit report.

Cont'd attempts collect debt not owed

I recently pulled my credit report and discovered that this company has reported that owe them a debt. To my knowledge I have never done business with this company. I have never entered into a contact with them and nor have they provided me with any goods or services

Customer service / Customer relations

American Express card company called me at my employment location and demanding a past due payment, my social security number, and my checking account number " harassing me at my employment location ''.

Using a debit or ATM card

I do n't understand why banks are allowed to charge such high ATM fees, and do it on both sides. I am paying up to XXXX dollars on a transaction. This is unregulated robbery and you need to put a stop to it.

Communication tactics

This company calls my cell phone and my work number asking to verify my information. They also call my human resources manager a sking to verify information about me personally. I investigated the number that they were calling from and I found many complaints and reviews that they are a fraudulent collection company.

Improper contact or sharing of info

This company calls me 20 times a day from different numbers throughout the ALL US States, NOT just CA. I was hospitalized and they were told not to call, yet continued to call daily. They record ALL conversations without notifying the caller, and in CA that is not legal. They call before XXXX, and after XXXX. This is all harassment and they do not care.

Attempts to collect debt not owed

Optimum Outcomes continues to report fraudulently obtained accounts on my credit reports after I have formally requested and sent them my original police report for identity theft. I have disputed with the credit bureaus but Optimum continues to verify it as mine.I 'm filing a complaint on this company for deceptive business practice and code of ethics.

Cont'd attempts collect debt not owed

creditor withdrew original.debt told collector drop but it is still on my credit report

Closing your account

I got a credit card from XXXX and I dont want it. I have tried to cancel. You are on hold and no one ever picks up. I did not use the card and I dont want to be charged for the processing fee. Help

Incorrect information on credit report

I have XXXX inquiries that generated an account and I was able to close the accounts before any fraudulent charges were made. The inquiries still showing on my report and transunion refuses to help me with the issue and expedite the process inquiries are the ones bellow : XXXX XX/XX/XXXX and XXXX bank XX/XX/XXXX Please do not delete the other XXXX as it belongs to me.

Cont'd attempts collect debt not owed

FIRSTSOURCE ADVANTAGE LLC seeks to advance collection for XXXX XXXX XXXX for an alleged XXXX XXXX XXXX debt which is non-existent, not based on a final judgment, and beyond the California Statute of Limitations of four years for a contract debt. The debt collection is barred by the statute of limitations and enforcement is illegal. Researching the matter required the use of a California Licensed Investigator which resulted in a cost to me of {$1000.00}.

Incorrect information on your report

Identity theft fruadulent open accounts and inquiry Equifax XXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX Inquiry XXXX XXXX XXXX Date XX/XX/XXXX

Attempts to collect debt not owed

I contacted the bureaus, and XXXX about a telephone bill that is not mine. I proved to them that I am victim of Identity Theft. An ID Theft Report was sent these companies, they could not validated the XXXX account which was purchased by XXXX XXXX. It seems XXXX has sold the account twice. The second company being DIVERSIFIED CONSULTANTS, which has inserted a negative mark on my credit.

Improper contact or sharing of info

this company has been calling me 3 times a day. I am not well and have not answered the phone. They then have been calling my mother, whom I have asked them twice not to contact again since she is old and ailing. They continue to contact her.

Improper use of your report

Equifax believes my data to have been compromised in the recent hack. This is unacceptable.

Taking/threatening an illegal action

The collection company by the name of " MCM '' or " Midland Credit Management , Inc. '' has been threatening to sue me for debt that is way past my states statute of limitations. I wrote them a letter to stop harassing me or I would take further action. They ignored me and sent me another letter. I am now contacting the CFPB for their assistance to help me get these leeches away from me.

Billing statement

We received a debt notice from a collection agency related to a XXXX we had applied for but did not receive indicating that we owed {$250.00} which should be mailed to them. We contacted XXXX Rewards Card and they have no record of this and advised us to submit a complaint. The collection agency is listed as : XXXX XXXX, XXXX XXXX XXXX, XXXX, OK XXXX, Phone XXXX. I have not been able to reach them on the phone, and I will not contact them as I 'm certain this is a scam.

Struggling to repay your loan

I just do n't make enough money to repay these loans. XXXX made me take out loans against my better judgement as a XXXX year old child with XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. To XXXX XXXX XXXX XXXX i owe - {$23000.00} To XXXX XXXX XXXX XXXX i owe - {$49000.00} This was all for a 2 year degree no one will even look at because it says XXXX on it. Please help i am getting physically ill from the XXXX of dealing with these people.

Loan modification,collection,foreclosure

Its been more than 4 years that we have requested unsuccessfully access to the table that the First Bank used to compute the prevailing maximum rate for the conventional mortgage from XX/XX/XXXX to XX/XX/XXXX and also we have send First Bank a certified letter on XX/XX/XXXX describing in details why we are requesting that table. The certified letter was received but until this day has n't been answer.

Taking/threatening an illegal action

I received the FIRST notice of the debt on XXXX/XXXX/2016. Before I could even dispute this debt I received A wage attachment hearing notice on XXXX/XXXX/2016. I never received notice of judgment or lawsuit on this debt. I do not even know what this debt is for? Not even sure this debt is mine!

Incorrect information on credit report

Per previous request here is a notarized FTC affidavit, police report and I am disputing XXXX charge off entries on my consumer report with Chex Systems. I am disputing these entries with chex systems. The reported information that I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also disputing the inquiries that were associated with these accounts.

False statements or representation

I have contacted Ability Recovery Services several times about reporting incorrect information to my XXXX, XXXX, and XXXX credit report. According to The State of Mississippi this company is not licensed to do business here in this state. This company has been fradualently reporting false information to my credit bureau files and refuse to correct and do harm to me. My name is XXXX XXXX. This account is listed as XXXX XXXX.

Settlement process and costs

In addition to elevating to OWNER of a home I never owned, Bank of America forwarded my social security number to XXXX so that they could place an ad in the news paper that I defaulted on a loan! I fear Bank of America plans to place the house I DO NOT OWN on my credit. They will not stop harassing me! Since Saturday I have received a certified letter NAMING ME AS OWNER and regular mail. They swore they had fixed this. They lied! I am no where on the home as owner!

Communication tactics

This debt is a result of me co-signing a student loan. They call allday long. If you do answer they demand personal information ( last XXXX of ss # plus date of birth ) before they tell reason for call, When I refuse to provide info over phone they hang up and call back within a hour. I have repeatedly ask them to stop calling. I 'm not avoiding the debt, they always get paid. I just do n't want to be harassed.