determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	Experian has been reporting accounts that are paid as negative accounts which is decreasing my credit score. the accounts are XXXX XXXX AND XXXX. These are closed accounts but has otherwise been paid in full.
Took or threatened to take negative or legal action	I was listed on a lawsuit filed by Kramer and Frank P.C. which I am not a party to. This was on my wife. She had the insurance in her name and some how my name was added to this. I have no ties to this debt and they are threatening me with garnishment. She only listed me as an emergency contact.
Problem with fraud alerts or security freezes	Goods and services were obtained using my personal information without prior authorization. 7 year credit freeze has been placed until 2025
Credit reporting company's investigation	I contacted the credit bureau by online dispute and paper dispute to let them know that my credit had been ran without my knowledge or permission and was asking for them to investigate and remove the inquiries off of my credit. I was told to if I felt like it was unauthorized to contact each company to dispute these actions. I did that with no response or action from the companies.
Incorrect information on credit report	Equifax is allowing an account that has been previously deleted be reinserted on my credit report. Account XXXX was paid and removed from my credit report in XX/XX/2015. Account had since then been reinserted as a collection account. Account is also past the statue of limitations in which it can report. Please remove account XXXX from my credit report immediately and do not allow account to be inserted again. Thank you.
Improper use of your report	I called XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a XXXX XXXX on my Equifax credit file without my authorization, they could n't help me.
Attempts to collect debt not owed	ERC started to report on my credit file without send me a 30 day right to dispute .... I had already paid the XXXX debt prior to them reporting and by law they have to notify me with the 30 day right to dispute.
Credit monitoring or identity theft protection services	I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc
Customer service/Customer relations	Received faux notice stating " your XXXX XXXX XXXX account is over 90 days past due in the amount shown above, excluding any disputed and is scheduled to be cancelled and submitted for salary offset. The travel and transportation reform act, public law 105-264 of 1998 and CFR posts 301-76 authorized us to offset up to 15 % of your disposable pay "
Account opening, closing, or management	My direct deposit was still set up to my account before the account was terminated on XXXX XXXX. When i asked the teller over the phone what would happen to my direct deposit money from my job she told me the money would be rejected and sent back to the sender. This, in fact, did not happen. Instead, i was misinformed, and this was accually sent towards my negative balance and accepted as a " voluntary payment ''.
Written notification about debt	I Got it charge off my XXXX XXXX because it was n't me the company keeps bother me about a XXXX $ that I know nothing about
Incorrect information on credit report	Transunion is showing that XXXX XXXX KY has an outstanding lean on me in the amount of {$320.00} however that balance was paid by my XXXX.
Cont'd attempts collect debt not owed	This creditor will not update my PAID collection with XXXX, despite my numerous attempts to contact them. They absolutely refuse to update XXXX or to give me the time of day now that I 've paid it.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	XXXX was reinserted on my credit report after previously being deleted.
Improper use of my credit report	XXXX told me that a credit check would n't show up on my credit report. They lied to me, I complained to Equifax, and they refuse to remove it from my account.
False statements or representation	I have received a letter from a debt collector for conns for a check that my bank was not able to pay at the time it was run thru the original check amount was for XXXX since then this company has tacked on XXXX in extra fees that are not necessary I can see a XXXX fee but XXXX they claim to be with the district attorney I have not received any calls nor collection letters from the original creditor I can attach a copy of the letter I received
Incorrect information on credit report	There are multiple hard inquiries on my credit report and I do not know how to get them off. They were unauthorized.
Cont'd attempts collect debt not owed	I have sent XXXX letters explaining that the debt was discharged in bankruptcy and have received another letter offering a settlement offer. The creditor also states there could be additional payments made on the claim that I could be responsible for and will notify me as soon as they become aware.
Improper contact or sharing of info	I have gotten XXXX phone calls today from a number that pulls up as Southwest Credit, which is a company that I have contacted recently to cease all communications and record that I dispute the charges.
Unauthorized transactions or other transaction problem	Phone was lost, unauthorized fraudulent use of card regarding a purchase for a credit card after a hard inquiry 65 points were taken away.
Incorrect information on credit report	Showing a balance which was paid i XX/XX/XXXX from XXXX XXXX XXXX for XXXX a XXXX account in XX/XX/XXXX which is not mine it belongs to another XXXX XXXX . I never had XXXX then, only XXXX.
Communication tactics	Continuous calls from XXXX XXXX, and Portfolio Recovery. They have never sent letter describing what calling for. I owe no debts that are n't Time barred. Therefor they are trying to collect on time barred debt or false debt.
False statements or representation	i just do n't know who are they and why are they on my credit report please help me i just want this item to be deleted from my report
Charged fees or interest I didn't expect	every month there an interest charge and is different so it seem like my payments dont go down it goes up and the paper work they gave do not add up with my payments iam making the amount they have that i would have made in year that they gave me to pay off the loan do not add up
Cont'd attempts collect debt not owed	Dynamic Recovery Solutions has contacted me regarding 1996 debt ( {$610.00} ) that 's not mind. They have my SSN, address. The first name does not match nor does the DOB. I requested proof of debt which was declined. DRS states that the original bills were probably destroyed since the bill is so old. I 'm concerned about my credit and they have some of my personal information. What can I do?
Loan servicing, payments, escrow account	SunWest Mortgage Keeps on calling and sending letter saying our account is seriously past due not respecting the 15 day grace period calling my cell phone and job threatening to take action and foreclose on property
Disclosure verification of debt	I HAD MEDICAL INSURANCE AT THE TIME OF THE SAID DEBT COLLECTION CREATION DATE. I HAVE MADE MULTIPLE ATTEMPTS TO CONTACT THIS CREDITOR AND THE ONLY THING THEY HAVE SENT ME IS A LETTER SHOWING I HAD A MEDICAL EXAM. THIS IS NOT RIGHT
Dealing with my lender or servicer	XXXX told me I needed to take out a private loan to help pay for my school and then the school closed. I am basically paying for services that I did not receive.
Problem with a credit reporting company's investigation into an existing problem	My XXXX XXXX XXXX Acct # XXXX Was reported in error 30 days late XXXX and XXXX fixed the problem but Experian didn't which is causing me financial stress and hardship where i can't refinance. Please help me with this situation. Thank You.
Loan modification,collection,foreclosure	Forced placed insurance
Disclosure verification of debt	I requested validation of the original debt, including the name and address of the original creditor ( in accordance with federal law ). The amount of the debt that was validated was not correct. Furthermore, in violation of federal law, the address of the original creditor was not listed on the validation notice.
Problems caused by my funds being low	Chase bank switched one of my accounts from Savings to Checkings. In doing so, they failed to leave the overdraft protection that I had. Then they subsequently charged me overdraft fees. Chase is constantly finding ways to charge fees regardless of the numerous efforts I make to prevent this. They also rearrange withdrawals to justify overdraft fees.
Problem caused by your funds being low	ON XX/XX/XXXX BANK OF AMERICA ILLEGALLY DEBITED XXXX FROM MY CHECKING ACCOUNT FOR TRANACTIONS I HAD PREVIOUSLY DISPUTED AND THEY HAD CREDITED ME FOR ONLY TO TAKE BACK THESE VALID TRANSACTIONS I HAD DISPUTED. I HAD SUMBITTED PROOF AND THE BANK MANAGER HAD VERIFIED THAT MY INFORMATION IS ACCURATE. THIS IS DISTURBING AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND EGREGIOUS BANKING PRACTICES.
Billing disputes	Collection agency called my sons and informed then that i had charges filled against me and that they had sheriff officers on stand by to charge me. And that I owe XXXX XXXX dollars for a XXXX XXXX XXXX XXXX dollar debt
Dealing with my lender or servicer	I received my credit report from XXXX and my report has a company called XXXX aka XXXX I have disputed this will all XXXX credit bureau yet they are still trying to collect on this, I have never pulled any loans out with them the only student loan i had is XXXX and they are collecting from me through insurance, I 'm requesting they remove these from all three of my credit reports with XXXX, I have never signed any contract with them.
Credit reporting company's investigation	TRYING TO REMOVE INQUIRY. FROM XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX WHICH WAS DONE XXXX/XXXX/16 WITHOUT MY PERMISSION.
Threatened to contact someone or share information improperly	XXXX/XXXX/XXXX - started calling me at work about a debt that is not owed to XXXX XXXX. Told them to not call me again at this number. Called again today, XXXX/XXXX/XXXX, hung up on them. This bill is for {$470.00} and I do not owe it. A complaint about this billed was filed with the Better Business Bureau in XXXX XXXX. They sold this to a collection agency that is harassing me at work now.
Communication tactics	Got a call from Capital Accounts LLC. They we 're really rude during the call and said that I needed to take care of a business matter in order to avoid legal actions that will be taken against me by the end of business. They said it was for a {$160.00}. I 'm a XXXX year old with lots of health problems that do n't need this kind of stress or threats.
Settlement process and costs	I am in the process of obtaining a renovation loan with First Choice Loan Services Inc. I have paid for my appraisal and provided all of my financial documents for closing. They are now requiring me to pay {$490.00} for a Feasibility Study, this cost was not disclosed in my Settlement Statement I was told that it is an FDIC requirement, I told my loan officer that it was not in the settlement statement. But paid it anyways to not hold up the process.
Incorrect information on your report	CRA VIOLATION ID THEFT INACCURATE INFORMATION NOT MINE XXXX SECURITY BREACH
Taking out the loan or lease	At the termination of my lease, when I return the car to the dealer later I received the letter for ally financial charging Excess wear for the tire. I do n't agree to pay for this because I return the car XXXX Cadillac SRX with XXXX miles and total mileage allowed is XXXX.so when I return the car the tire has in good condition and normal wear for the mile it has, not excessive wear like they said.
Incorrect information on your report	This is a phantom debt from another collection that has been previously taken off my credit report due to payment, but the original creditor is still trying to collect when the debt is no longer vald
Incorrect information on your report	There were two accounts opened XX/XX/13. First account for {$1000.00} and the second one for {$1500.00}. Someone fraudulently opened both accounts. XXXX deleted the account for {$1000.00} but not the other, if both accounts were opened on the same day, how would they delete one and not the other ... ... .I would this removed from all three credit bureaus.
Taking/threatening an illegal action	I have filed for Bankruptcy- and did what my lawyer said to let them know, since I told them I get called no stop all day and night from XXXX XXXX and Chase- Starts at XXXX and goes on all day. Even on Sunday When i do talk to them they said we can work out a payment plan but I tell them I have no job and no money thats why Im filing-then they tell me you can be put in jail and loose all rights, its got me so upset,
Problem with fraud alerts or security freezes	Equifax breech : Now I have to freeze all three credit report accounts for {$10.00} each.
Disclosure verification of debt	This debt is medical and was supposed to be takin care of by my active insurance.There is no proof of we 're this debt is from or y it was n't taken care of by insurance. I would like all the information on this debt and the true collector and origin of the debt.
Struggling to pay your loan	Got a small loan through XXXX XXXX and lost my job they did n't work with me took me to court I tried paying it and just could n't make the payments they want i got a new job and they keep calling my work place even after I have ask them to stop now I am about to lose my new job.
Unable to get your credit report or credit score	I received an email from Experian based on the outcome of CFPB complaint XXXX that I could view my credit report online. Upon visiting the website and entering in the details requested, I am unable to view my credit report online.
Problems caused by my funds being low	Bank of America charged a {$35.00} overdraft fee for insufficient funds to pay themselves their own $ XXXX monthly maintenance fee. In other words, I did not have {$12.00} in my bank account, so they charged me {$35.00} when they billed the $ XXXX monthly maintenance fee, bringing my account to $ XXXX overdrawn. I called and complained but think that this is a scandalous policy that needs to be both revisited and revised.
Other	I was trying to place an order on Amazon and was having trouble with the Internet ; because of this Syncb/Amazon made an Inquiry on my credit report. I did not apply for a credit card of any kind and I want this Inquiry removed from my credit report. This was all accidental due to problems with Internet. Please help get this Inquiry removed from my credit report.
Disclosure verification of debt	I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX Credit Allocation Check which is at least enough or almost enough to pay this debt in full.
Cont'd attempts collect debt not owed	We just received a letter from this debt collection agency stating that we owe to the company we used to rent our apartment from. There was no correspondence from the rental agency about any money owed, and they even kept our {$800.00} damage deposit without any explaination. This rental agency needs to be reprimanded for taking advantage of it 's renters.
Incorrect information on your report	I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my XX/XX/XXXX and Equifax report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.
Improper use of your report	Released my personal information in security breach
Disclosure verification of debt	I get a medical bill on my acct who was paid by my insurance before turned over to a collection agency on my XXXX credit report
Cont'd attempts collect debt not owed	XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that both the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.
Cont'd attempts collect debt not owed	This bill was my mothers not mine and I paid it for her directly to XXXX back in XXXX XXXX 2016, I have talked directly the company and the issue has been resolved so I done even understand why this is on my credit report
Incorrect information on your report	The XXXX XXXX tax lien is incorrect. I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. I have sent several letter to XXXX XXXXx and Experian Credit Bureaus. Stating that this XXXX XXXX is incorrect. XXXX XXXX Experian
Communication tactics	XXXX XXXX XXXX XXXX, contacted my relatives ( XXXX-party ) to contact me. They left a message with my relatives ( XXXX -party ) that if I do n't contact them I can go to jail. I believe they violated Fair Debt Credit Act ( FDCA ) which states the debt collectors or their representatives can not contact through XXXX-party ( Relatives ). Furthermore, threatening to take legal actions.
Communication tactics	they call me every day from a different number to collect there money, I explain my financial problems, try to fix a plan, but they do n't want to help me .. they treading me saying that they will put a XXXX on me.
Problems caused by my funds being low	My bank continues to charge me overdraft fees even though I refused to opt in to such a " service ''. I was under the impression ( please correct me if I 'm wrong as I am no expert ) that unless I set an account to automatically withdraw from my account ( currently only my Landlord and XXXX do so ) that they were not legally allowed to do so unless I opted into such a " service ''. I most certainly did not. Please help.
Improper use of your report	Equafax released my personal information and violated my privacy expaoing me to risk and is now making me sign a release that to accept credit monitoring services, made necessary by my mistake, I must sign away my rights to be a part of a lawsuit? Outrageous.
Managing the loan or lease	Before I put complaint whit XXXX XXXX my balance was in XXXX ... XXXX ... now XXXX XXXX close my complaint after 6 months and my balance is XXXX, each payment is XXXX ... ..if I do n't put the complaint whit XXXX XXXX this company go in to still my money ... .image if they do this to each costumer ... .the company name is credit acceptance
Dealing with your lender or servicer	Federal loans are supposed to be XXXX due to XXXX & XXXX XXXX through XXXX XXXX XXXX/XXXX.
Can't repay my loan	My student loan is currently set at 10.875 % interest rate. While in school my loan gained interest & now is almost double the principle balance. I pay almost nothing towards the principle and mostly interest. It would be really nice to get rid of some of that interest that was gained while in school. Also, now that I am working and have good credit, I believe they should work with me to lower my interest rate. Rates now for student loans are half of what I have.
Loan modification,collection,foreclosure	I have been trying to refinance my home-during this process- J.P. Morgan/Chase is \ not cooperating, The liens have been discharged in a bankruptcy- No one will help me clear this up. I have attached the necessary BK discharge papers. Please help clear this up so we can refinance our home.
Problems when you are unable to pay	This is about a collection company for XXXX. I was in the hospital in XXXX for over XXXX years. The phone number XXXX called me on the hour every hour. When I was released from the hospital they called me last me last night. I asked what company this was. I explained I had been in the hospital over XXXX times in the last XXXX days and when I got settled, I would review the situation. I got another call from them XXXX minutes later and then again in an hour.
Attempts to collect debt not owed	A collection agency has opened an account on me for {$480.00}, this is in regards to equipment that has been returned to XXXX XXXX XXXX through the XXXX XXXX by me. I followed the instructions to return the equipment and it was received by XXXX XXXX XXXX . I owe nothing to XXXX XXXX XXXX and request that the account be closed and wiped from my credit files that it is being reported to currently.
Cont'd attempts collect debt not owed	I paid off my XXXX credit card thru Credit Control, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX but it still show 's as in collection on my credit report. How ca this be removed? XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX.
Loan modification,collection,foreclosure	I have asked the attorney XXXX XXXX XXXX XXXX XXXX IL XXXX phone XXXX Fax XXXX email : XXXXXXXXXXXX and BSI Financial but they are not willing to consider me even theough property at XXXX XXXX XXXX , IL XXXX is subject to treasury modification for any kind of plan.
Incorrect information on your report	Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.
Attempts to collect debt not owed	I was hospitalized with XXXX ( XXXX XXXX XXXX ). While at the hospital, doctors ordered a XXXX with XXXX. The XXXX XXXX billed me for the charges. I contacted them as well as my Health Insurance company, XXXX. XXXX rep told me that these additional charges are not valid and they have responded to the provider. The provider instead sent it for collection.
Disclosure verification of debt	There are a couple items listed on my credit file which are unknown, several times I have disputed with no response. Please help assist me.
Cont'd attempts collect debt not owed	I have been making payments to the hospital of XXXX XXXX for a couple of years. When they sent me to collections. I have since paid the hospital in full, however the collection agency in now sueing me for interest and court costs. Going to court XXXX/XXXX/2015 at XXXX.
Improper use of your report	I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and it is affecting me getting credit.
False statements or representation	Called us ( distant relative ) claiming they " knew the person they were looking for was going by a different name '' then falsely represented the call was regarding an employment inquiry made by said person. Denying they had the wrong person/number, the caller then said in was important to find this person because of a problem with a family member!
Improper contact or sharing of info	QVC XXXX XXXX, I never gave permission to discuss Employees told XXXX different family members exactly what and how much I owed on easy payments, some things which were returned even do not owe.That is in collections at this time.Even credit and debit cards which was used.One was daughter in law, other my ex.Totaling XXXX is personnel information. Given out XXXX is invasion of my privacy.
Problem with a purchase shown on your statement	OnXX/XX/XXXX I was charged {$1800.00}, which was not posted until XX/XX/XXXX on my credit card. This charge was not without my authorization, and since then I have been trying to get the credit card company ( Chase ) to dispute this billing. After numerous attempts and sending what Chase asked for in terms of documentation, Chase still has not resolved this billing dispute issue and keeps closing files on this dispute.
Incorrect information on your report	I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me
Incorrect information on credit report	I have taken an auto loan, but it is being shown as other loan in my credit report. which might impact my final credit score.
Other fee	Best buy credit card -They advertise 0 % APR and interested for the first 18 months, after which time 24 % interest kicks in. At 18 months, I suddenly had {$360.00} in interest charged to my card, on a balance of approximately {$600.00}. When I called the company, they explained that the interest balance reflects the accrued interest on all past bills over the first 18 months.
Loan servicing, payments, escrow account	Ocwen Mortgage reported to the credit bureau that I was 60 days late on my mortgage payment. I made two " additional '' payments. This brings me up to date. Ocwen has refused to update my files. Additionally, they continue to charge a late fee.
Attempts to collect debt not owed	I received a call from a woman named XXXX XXXX claiming she was representing XXXX XXXX . She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.
Can't repay my loan	I have asked Navient ( formerly XXXX XXXX ) to grant some sort of physical hardship delay or understand that I have had multiple XXXX since I graduated. The requests have been denied over and over and now Navient is telling us they are moving the load to a debt collector. I am unemployed with a XXXX year old child to care for, they do not care and simply keep calling for payment when we 've explained it 's not possible. I have no options according to Navient.
Incorrect information on your report	I had two auto accounts with American Honda Finance in the past. Despite the fact that I never missed a payment on either of these accounts, Honda is reporting that I had multiple delinquencies over the course of the accounts ' history. This incorrect information being reported to the credit bureaus, as I always made timely monthly payments.
Account opening, closing, or management	I stopped in to the bank ( Huntington Bank ) XXXX branch to close an account and was shocked to hear the account was closed on XX/XX/2017 due to inactivity. There was not money left in the account because they charged a inactivity fee. I was never notified of this and they could not produce any evidence that they tried to contact me.
Billing disputes	Called CareCredit because of my inflated balance after make several payments early. They told there was nothing I could do and that I would be penalized for making early payments.
Cont'd attempts collect debt not owed	They keep showing account open and reporting it to " my credit report ''. This was discharged in bankruptcy, I would like them to show it closed.
Credit monitoring or identity theft protection services	After the XXXX leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.
Managing an account	I created an account with XXXX XXXX and need to be paid {$100.00} and it not letting me deposit the money
Cont'd attempts collect debt not owed	REFERENCE NUMBER XXXX COMPANY AGREED THIS WAS AN ACT OF FRAUD. IDENTITY THEFT. HAVE SUBMITTED POLICE REPORTS. YET IT 'S STILL ON MY CREDIT REPORT.
Incorrect information on credit report	There is an address on my credit report that is not mine. I looked that address up and it is in an upscale area with the homeowner having the same last name as mine. Also XXXX of the verification questions says I may have a opened a home loan and questions the home loan payment. I answered none of above and my online reports were denied. How do I get that address off my credit report which may be linked to the verification questions?
Improper use of your report	My information was stolen in the hack of Equifax 's data stores. I confirmed that my data may have been affected on their site : https : XXXX. I submitted a credit watch and have looked at my credit report : no issues so far. It is messed up that a credit company does not have secure databases. ESPECIALLY when that database contains information that can mess up people 's lives for years to come.
Adding money	I loaded XXXX dollars to my prepaid rush card this afternoon. My card doesnt show the load. The reps are not helpful. They insist system is down. I need that money. If they are having so many issue 's then why allow money to continue to be loaded. I need my money. Then im closing the account.
Unable to get credit report/credit score	I went used the link on the consumer finance website for the annual free credit report. I filled out all the required information and choose the XXXX reports I wanted. Once I submitted this information I was taken to a XXXX page which makes me sign up for a credit monitoring services and gives me no option to opt out of this. I thought these credit bureaus were not supposed to do that?
Managing, opening, or closing account	My account was closed and I am still waiting for the company to send me my money.
Incorrect information on credit report	The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Equifax has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.
Incorrect information on credit report	Hello, I disputed XXXX accounts with XXXX XXXX XXXX XXXX and there were deleted from my Equifax credit report. I have a account with XXXX XXXX and I just check my report today. Now my report is showing XXXX charge off account with XXXX XXXX XXXX XXXX. I 'm thinking is this a joke. Why investigate negative information that do n't belong to you and it gets deleted and within 2 months it appears back on your report.
Disclosure verification of debt	On XXXX/XXXX/15 I requested National Credit System provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.

Incorrect information on credit report

Experian has been reporting accounts that are paid as negative accounts which is decreasing my credit score. the accounts are XXXX XXXX AND XXXX. These are closed accounts but has otherwise been paid in full.

Took or threatened to take negative or legal action

I was listed on a lawsuit filed by Kramer and Frank P.C. which I am not a party to. This was on my wife. She had the insurance in her name and some how my name was added to this. I have no ties to this debt and they are threatening me with garnishment. She only listed me as an emergency contact.

Problem with fraud alerts or security freezes

Goods and services were obtained using my personal information without prior authorization. 7 year credit freeze has been placed until 2025

Credit reporting company's investigation

I contacted the credit bureau by online dispute and paper dispute to let them know that my credit had been ran without my knowledge or permission and was asking for them to investigate and remove the inquiries off of my credit. I was told to if I felt like it was unauthorized to contact each company to dispute these actions. I did that with no response or action from the companies.

Incorrect information on credit report

Equifax is allowing an account that has been previously deleted be reinserted on my credit report. Account XXXX was paid and removed from my credit report in XX/XX/2015. Account had since then been reinserted as a collection account. Account is also past the statue of limitations in which it can report. Please remove account XXXX from my credit report immediately and do not allow account to be inserted again. Thank you.

Improper use of your report

I called XXXX Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a XXXX XXXX on my Equifax credit file without my authorization, they could n't help me.

Attempts to collect debt not owed

ERC started to report on my credit file without send me a 30 day right to dispute .... I had already paid the XXXX debt prior to them reporting and by law they have to notify me with the 30 day right to dispute.

Credit monitoring or identity theft protection services

I have an identity theft case going on they have made XXXX inquiries, applies for payday loans, car loans. Etc etc

Customer service/Customer relations

Received faux notice stating " your XXXX XXXX XXXX account is over 90 days past due in the amount shown above, excluding any disputed and is scheduled to be cancelled and submitted for salary offset. The travel and transportation reform act, public law 105-264 of 1998 and CFR posts 301-76 authorized us to offset up to 15 % of your disposable pay "

Account opening, closing, or management

My direct deposit was still set up to my account before the account was terminated on XXXX XXXX. When i asked the teller over the phone what would happen to my direct deposit money from my job she told me the money would be rejected and sent back to the sender. This, in fact, did not happen. Instead, i was misinformed, and this was accually sent towards my negative balance and accepted as a " voluntary payment ''.

Written notification about debt

I Got it charge off my XXXX XXXX because it was n't me the company keeps bother me about a XXXX $ that I know nothing about

Incorrect information on credit report

Transunion is showing that XXXX XXXX KY has an outstanding lean on me in the amount of {$320.00} however that balance was paid by my XXXX.

Cont'd attempts collect debt not owed

This creditor will not update my PAID collection with XXXX, despite my numerous attempts to contact them. They absolutely refuse to update XXXX or to give me the time of day now that I 've paid it.

Incorrect information on your report

There are many mistakes appear in my report without my understanding.

Incorrect information on credit report

XXXX was reinserted on my credit report after previously being deleted.

Improper use of my credit report

XXXX told me that a credit check would n't show up on my credit report. They lied to me, I complained to Equifax, and they refuse to remove it from my account.

False statements or representation

I have received a letter from a debt collector for conns for a check that my bank was not able to pay at the time it was run thru the original check amount was for XXXX since then this company has tacked on XXXX in extra fees that are not necessary I can see a XXXX fee but XXXX they claim to be with the district attorney I have not received any calls nor collection letters from the original creditor I can attach a copy of the letter I received

Incorrect information on credit report

There are multiple hard inquiries on my credit report and I do not know how to get them off. They were unauthorized.

Cont'd attempts collect debt not owed

I have sent XXXX letters explaining that the debt was discharged in bankruptcy and have received another letter offering a settlement offer. The creditor also states there could be additional payments made on the claim that I could be responsible for and will notify me as soon as they become aware.

Improper contact or sharing of info

I have gotten XXXX phone calls today from a number that pulls up as Southwest Credit, which is a company that I have contacted recently to cease all communications and record that I dispute the charges.

Unauthorized transactions or other transaction problem

Phone was lost, unauthorized fraudulent use of card regarding a purchase for a credit card after a hard inquiry 65 points were taken away.

Incorrect information on credit report

Showing a balance which was paid i XX/XX/XXXX from XXXX XXXX XXXX for XXXX a XXXX account in XX/XX/XXXX which is not mine it belongs to another XXXX XXXX . I never had XXXX then, only XXXX.

Communication tactics

Continuous calls from XXXX XXXX, and Portfolio Recovery. They have never sent letter describing what calling for. I owe no debts that are n't Time barred. Therefor they are trying to collect on time barred debt or false debt.

False statements or representation

i just do n't know who are they and why are they on my credit report please help me i just want this item to be deleted from my report

Charged fees or interest I didn't expect

every month there an interest charge and is different so it seem like my payments dont go down it goes up and the paper work they gave do not add up with my payments iam making the amount they have that i would have made in year that they gave me to pay off the loan do not add up

Cont'd attempts collect debt not owed

Dynamic Recovery Solutions has contacted me regarding 1996 debt ( {$610.00} ) that 's not mind. They have my SSN, address. The first name does not match nor does the DOB. I requested proof of debt which was declined. DRS states that the original bills were probably destroyed since the bill is so old. I 'm concerned about my credit and they have some of my personal information. What can I do?

Loan servicing, payments, escrow account

SunWest Mortgage Keeps on calling and sending letter saying our account is seriously past due not respecting the 15 day grace period calling my cell phone and job threatening to take action and foreclose on property

Disclosure verification of debt

I HAD MEDICAL INSURANCE AT THE TIME OF THE SAID DEBT COLLECTION CREATION DATE. I HAVE MADE MULTIPLE ATTEMPTS TO CONTACT THIS CREDITOR AND THE ONLY THING THEY HAVE SENT ME IS A LETTER SHOWING I HAD A MEDICAL EXAM. THIS IS NOT RIGHT

Dealing with my lender or servicer

XXXX told me I needed to take out a private loan to help pay for my school and then the school closed. I am basically paying for services that I did not receive.

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

My XXXX XXXX XXXX Acct # XXXX Was reported in error 30 days late XXXX and XXXX fixed the problem but Experian didn't which is causing me financial stress and hardship where i can't refinance. Please help me with this situation. Thank You.

Loan modification,collection,foreclosure

Forced placed insurance

Disclosure verification of debt

I requested validation of the original debt, including the name and address of the original creditor ( in accordance with federal law ). The amount of the debt that was validated was not correct. Furthermore, in violation of federal law, the address of the original creditor was not listed on the validation notice.

Problems caused by my funds being low

Chase bank switched one of my accounts from Savings to Checkings. In doing so, they failed to leave the overdraft protection that I had. Then they subsequently charged me overdraft fees. Chase is constantly finding ways to charge fees regardless of the numerous efforts I make to prevent this. They also rearrange withdrawals to justify overdraft fees.

Problem caused by your funds being low

ON XX/XX/XXXX BANK OF AMERICA ILLEGALLY DEBITED XXXX FROM MY CHECKING ACCOUNT FOR TRANACTIONS I HAD PREVIOUSLY DISPUTED AND THEY HAD CREDITED ME FOR ONLY TO TAKE BACK THESE VALID TRANSACTIONS I HAD DISPUTED. I HAD SUMBITTED PROOF AND THE BANK MANAGER HAD VERIFIED THAT MY INFORMATION IS ACCURATE. THIS IS DISTURBING AND BANK OF AMERICA IS ENGAGING IN UNETHICAL AND EGREGIOUS BANKING PRACTICES.

Billing disputes

Collection agency called my sons and informed then that i had charges filled against me and that they had sheriff officers on stand by to charge me. And that I owe XXXX XXXX dollars for a XXXX XXXX XXXX XXXX dollar debt

Dealing with my lender or servicer

I received my credit report from XXXX and my report has a company called XXXX aka XXXX I have disputed this will all XXXX credit bureau yet they are still trying to collect on this, I have never pulled any loans out with them the only student loan i had is XXXX and they are collecting from me through insurance, I 'm requesting they remove these from all three of my credit reports with XXXX, I have never signed any contract with them.

Credit reporting company's investigation

TRYING TO REMOVE INQUIRY. FROM XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX WHICH WAS DONE XXXX/XXXX/16 WITHOUT MY PERMISSION.

Threatened to contact someone or share information improperly

XXXX/XXXX/XXXX - started calling me at work about a debt that is not owed to XXXX XXXX. Told them to not call me again at this number. Called again today, XXXX/XXXX/XXXX, hung up on them. This bill is for {$470.00} and I do not owe it. A complaint about this billed was filed with the Better Business Bureau in XXXX XXXX. They sold this to a collection agency that is harassing me at work now.

Communication tactics

Got a call from Capital Accounts LLC. They we 're really rude during the call and said that I needed to take care of a business matter in order to avoid legal actions that will be taken against me by the end of business. They said it was for a {$160.00}. I 'm a XXXX year old with lots of health problems that do n't need this kind of stress or threats.

Settlement process and costs

I am in the process of obtaining a renovation loan with First Choice Loan Services Inc. I have paid for my appraisal and provided all of my financial documents for closing. They are now requiring me to pay {$490.00} for a Feasibility Study, this cost was not disclosed in my Settlement Statement I was told that it is an FDIC requirement, I told my loan officer that it was not in the settlement statement. But paid it anyways to not hold up the process.

Incorrect information on your report

CRA VIOLATION ID THEFT INACCURATE INFORMATION NOT MINE XXXX SECURITY BREACH

Taking out the loan or lease

At the termination of my lease, when I return the car to the dealer later I received the letter for ally financial charging Excess wear for the tire. I do n't agree to pay for this because I return the car XXXX Cadillac SRX with XXXX miles and total mileage allowed is XXXX.so when I return the car the tire has in good condition and normal wear for the mile it has, not excessive wear like they said.

Incorrect information on your report

This is a phantom debt from another collection that has been previously taken off my credit report due to payment, but the original creditor is still trying to collect when the debt is no longer vald

Incorrect information on your report

There were two accounts opened XX/XX/13. First account for {$1000.00} and the second one for {$1500.00}. Someone fraudulently opened both accounts. XXXX deleted the account for {$1000.00} but not the other, if both accounts were opened on the same day, how would they delete one and not the other ... ... .I would this removed from all three credit bureaus.

Taking/threatening an illegal action

I have filed for Bankruptcy- and did what my lawyer said to let them know, since I told them I get called no stop all day and night from XXXX XXXX and Chase- Starts at XXXX and goes on all day. Even on Sunday When i do talk to them they said we can work out a payment plan but I tell them I have no job and no money thats why Im filing-then they tell me you can be put in jail and loose all rights, its got me so upset,

Problem with fraud alerts or security freezes

Equifax breech : Now I have to freeze all three credit report accounts for {$10.00} each.

Disclosure verification of debt

This debt is medical and was supposed to be takin care of by my active insurance.There is no proof of we 're this debt is from or y it was n't taken care of by insurance. I would like all the information on this debt and the true collector and origin of the debt.

Struggling to pay your loan

Got a small loan through XXXX XXXX and lost my job they did n't work with me took me to court I tried paying it and just could n't make the payments they want i got a new job and they keep calling my work place even after I have ask them to stop now I am about to lose my new job.

Unable to get your credit report or credit score

I received an email from Experian based on the outcome of CFPB complaint XXXX that I could view my credit report online. Upon visiting the website and entering in the details requested, I am unable to view my credit report online.

Problems caused by my funds being low

Bank of America charged a {$35.00} overdraft fee for insufficient funds to pay themselves their own $ XXXX monthly maintenance fee. In other words, I did not have {$12.00} in my bank account, so they charged me {$35.00} when they billed the $ XXXX monthly maintenance fee, bringing my account to $ XXXX overdrawn. I called and complained but think that this is a scandalous policy that needs to be both revisited and revised.

Other

I was trying to place an order on Amazon and was having trouble with the Internet ; because of this Syncb/Amazon made an Inquiry on my credit report. I did not apply for a credit card of any kind and I want this Inquiry removed from my credit report. This was all accidental due to problems with Internet. Please help get this Inquiry removed from my credit report.

Disclosure verification of debt

I noticed that this company has posted this item on my credit report even though I am paying a small amount every month. The company is also holding my XXXX Credit Allocation Check which is at least enough or almost enough to pay this debt in full.

Cont'd attempts collect debt not owed

We just received a letter from this debt collection agency stating that we owe to the company we used to rent our apartment from. There was no correspondence from the rental agency about any money owed, and they even kept our {$800.00} damage deposit without any explaination. This rental agency needs to be reprimanded for taking advantage of it 's renters.

Incorrect information on your report

I had a secured credit card with XXXX XXXX XXXX XXXX that we past due 2 months. I caught up the payments and paid off the balance. On my XX/XX/XXXX and Equifax report is show collection/chargeoff account. The account was past due 2 months but was paid off in full.

Improper use of your report

Released my personal information in security breach

Disclosure verification of debt

I get a medical bill on my acct who was paid by my insurance before turned over to a collection agency on my XXXX credit report

Cont'd attempts collect debt not owed

XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that both the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.

Cont'd attempts collect debt not owed

This bill was my mothers not mine and I paid it for her directly to XXXX back in XXXX XXXX 2016, I have talked directly the company and the issue has been resolved so I done even understand why this is on my credit report

Incorrect information on your report

The XXXX XXXX tax lien is incorrect. I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. I have sent several letter to XXXX XXXXx and Experian Credit Bureaus. Stating that this XXXX XXXX is incorrect. XXXX XXXX Experian

Communication tactics

XXXX XXXX XXXX XXXX, contacted my relatives ( XXXX-party ) to contact me. They left a message with my relatives ( XXXX -party ) that if I do n't contact them I can go to jail. I believe they violated Fair Debt Credit Act ( FDCA ) which states the debt collectors or their representatives can not contact through XXXX-party ( Relatives ). Furthermore, threatening to take legal actions.

Communication tactics

they call me every day from a different number to collect there money, I explain my financial problems, try to fix a plan, but they do n't want to help me .. they treading me saying that they will put a XXXX on me.

Problems caused by my funds being low

My bank continues to charge me overdraft fees even though I refused to opt in to such a " service ''. I was under the impression ( please correct me if I 'm wrong as I am no expert ) that unless I set an account to automatically withdraw from my account ( currently only my Landlord and XXXX do so ) that they were not legally allowed to do so unless I opted into such a " service ''. I most certainly did not. Please help.

Improper use of your report

Equafax released my personal information and violated my privacy expaoing me to risk and is now making me sign a release that to accept credit monitoring services, made necessary by my mistake, I must sign away my rights to be a part of a lawsuit? Outrageous.

Managing the loan or lease

Before I put complaint whit XXXX XXXX my balance was in XXXX ... XXXX ... now XXXX XXXX close my complaint after 6 months and my balance is XXXX, each payment is XXXX ... ..if I do n't put the complaint whit XXXX XXXX this company go in to still my money ... .image if they do this to each costumer ... .the company name is credit acceptance

Dealing with your lender or servicer

Federal loans are supposed to be XXXX due to XXXX & XXXX XXXX through XXXX XXXX XXXX/XXXX.

Can't repay my loan

My student loan is currently set at 10.875 % interest rate. While in school my loan gained interest & now is almost double the principle balance. I pay almost nothing towards the principle and mostly interest. It would be really nice to get rid of some of that interest that was gained while in school. Also, now that I am working and have good credit, I believe they should work with me to lower my interest rate. Rates now for student loans are half of what I have.

Loan modification,collection,foreclosure

I have been trying to refinance my home-during this process- J.P. Morgan/Chase is \ not cooperating, The liens have been discharged in a bankruptcy- No one will help me clear this up. I have attached the necessary BK discharge papers. Please help clear this up so we can refinance our home.

Problems when you are unable to pay

This is about a collection company for XXXX. I was in the hospital in XXXX for over XXXX years. The phone number XXXX called me on the hour every hour. When I was released from the hospital they called me last me last night. I asked what company this was. I explained I had been in the hospital over XXXX times in the last XXXX days and when I got settled, I would review the situation. I got another call from them XXXX minutes later and then again in an hour.

Attempts to collect debt not owed

A collection agency has opened an account on me for {$480.00}, this is in regards to equipment that has been returned to XXXX XXXX XXXX through the XXXX XXXX by me. I followed the instructions to return the equipment and it was received by XXXX XXXX XXXX . I owe nothing to XXXX XXXX XXXX and request that the account be closed and wiped from my credit files that it is being reported to currently.

Cont'd attempts collect debt not owed

I paid off my XXXX credit card thru Credit Control, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX but it still show 's as in collection on my credit report. How ca this be removed? XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX.

Loan modification,collection,foreclosure

I have asked the attorney XXXX XXXX XXXX XXXX XXXX IL XXXX phone XXXX Fax XXXX email : XXXXXXXXXXXX and BSI Financial but they are not willing to consider me even theough property at XXXX XXXX XXXX , IL XXXX is subject to treasury modification for any kind of plan.

Incorrect information on your report

Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Attempts to collect debt not owed

I was hospitalized with XXXX ( XXXX XXXX XXXX ). While at the hospital, doctors ordered a XXXX with XXXX. The XXXX XXXX billed me for the charges. I contacted them as well as my Health Insurance company, XXXX. XXXX rep told me that these additional charges are not valid and they have responded to the provider. The provider instead sent it for collection.

Disclosure verification of debt

There are a couple items listed on my credit file which are unknown, several times I have disputed with no response. Please help assist me.

Cont'd attempts collect debt not owed

I have been making payments to the hospital of XXXX XXXX for a couple of years. When they sent me to collections. I have since paid the hospital in full, however the collection agency in now sueing me for interest and court costs. Going to court XXXX/XXXX/2015 at XXXX.

Improper use of your report

I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and it is affecting me getting credit.

False statements or representation

Called us ( distant relative ) claiming they " knew the person they were looking for was going by a different name '' then falsely represented the call was regarding an employment inquiry made by said person. Denying they had the wrong person/number, the caller then said in was important to find this person because of a problem with a family member!

Improper contact or sharing of info

QVC XXXX XXXX, I never gave permission to discuss Employees told XXXX different family members exactly what and how much I owed on easy payments, some things which were returned even do not owe.That is in collections at this time.Even credit and debit cards which was used.One was daughter in law, other my ex.Totaling XXXX is personnel information. Given out XXXX is invasion of my privacy.

Problem with a purchase shown on your statement

OnXX/XX/XXXX I was charged {$1800.00}, which was not posted until XX/XX/XXXX on my credit card. This charge was not without my authorization, and since then I have been trying to get the credit card company ( Chase ) to dispute this billing. After numerous attempts and sending what Chase asked for in terms of documentation, Chase still has not resolved this billing dispute issue and keeps closing files on this dispute.

Incorrect information on your report

I am a victim of identity theft. Someone stole my personal information and identity to apply for numerous XXXX credit card account. The XXXX credit card accounts are fraudulent and unauthorized. I have never applied for a XXXX credit card account. The following XXXX credit card accounts ending in : XXXX, XXXX, XXXX and XXXX are fraudulent and unauthorized, and do n't belong to me

Incorrect information on credit report

I have taken an auto loan, but it is being shown as other loan in my credit report. which might impact my final credit score.

Other fee

Best buy credit card -They advertise 0 % APR and interested for the first 18 months, after which time 24 % interest kicks in. At 18 months, I suddenly had {$360.00} in interest charged to my card, on a balance of approximately {$600.00}. When I called the company, they explained that the interest balance reflects the accrued interest on all past bills over the first 18 months.

Loan servicing, payments, escrow account

Ocwen Mortgage reported to the credit bureau that I was 60 days late on my mortgage payment. I made two " additional '' payments. This brings me up to date. Ocwen has refused to update my files. Additionally, they continue to charge a late fee.

Attempts to collect debt not owed

I received a call from a woman named XXXX XXXX claiming she was representing XXXX XXXX . She attempted to get me to acknowledge and make payments on prior debts of my deceased grandmother. Upon asking this woman for detailed contact information including the firm she represents she would not provide it to me. Only a phone number. I do not believe she or her firm is a legitimate debt collector or attorney.

Can't repay my loan

I have asked Navient ( formerly XXXX XXXX ) to grant some sort of physical hardship delay or understand that I have had multiple XXXX since I graduated. The requests have been denied over and over and now Navient is telling us they are moving the load to a debt collector. I am unemployed with a XXXX year old child to care for, they do not care and simply keep calling for payment when we 've explained it 's not possible. I have no options according to Navient.

Incorrect information on your report

I had two auto accounts with American Honda Finance in the past. Despite the fact that I never missed a payment on either of these accounts, Honda is reporting that I had multiple delinquencies over the course of the accounts ' history. This incorrect information being reported to the credit bureaus, as I always made timely monthly payments.

Account opening, closing, or management

I stopped in to the bank ( Huntington Bank ) XXXX branch to close an account and was shocked to hear the account was closed on XX/XX/2017 due to inactivity. There was not money left in the account because they charged a inactivity fee. I was never notified of this and they could not produce any evidence that they tried to contact me.

Billing disputes

Called CareCredit because of my inflated balance after make several payments early. They told there was nothing I could do and that I would be penalized for making early payments.

Cont'd attempts collect debt not owed

They keep showing account open and reporting it to " my credit report ''. This was discharged in bankruptcy, I would like them to show it closed.

Credit monitoring or identity theft protection services

After the XXXX leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.

Managing an account

I created an account with XXXX XXXX and need to be paid {$100.00} and it not letting me deposit the money

Cont'd attempts collect debt not owed

REFERENCE NUMBER XXXX COMPANY AGREED THIS WAS AN ACT OF FRAUD. IDENTITY THEFT. HAVE SUBMITTED POLICE REPORTS. YET IT 'S STILL ON MY CREDIT REPORT.

Incorrect information on credit report

There is an address on my credit report that is not mine. I looked that address up and it is in an upscale area with the homeowner having the same last name as mine. Also XXXX of the verification questions says I may have a opened a home loan and questions the home loan payment. I answered none of above and my online reports were denied. How do I get that address off my credit report which may be linked to the verification questions?

Improper use of your report

My information was stolen in the hack of Equifax 's data stores. I confirmed that my data may have been affected on their site : https : XXXX. I submitted a credit watch and have looked at my credit report : no issues so far. It is messed up that a credit company does not have secure databases. ESPECIALLY when that database contains information that can mess up people 's lives for years to come.

Adding money

I loaded XXXX dollars to my prepaid rush card this afternoon. My card doesnt show the load. The reps are not helpful. They insist system is down. I need that money. If they are having so many issue 's then why allow money to continue to be loaded. I need my money. Then im closing the account.

Unable to get credit report/credit score

I went used the link on the consumer finance website for the annual free credit report. I filled out all the required information and choose the XXXX reports I wanted. Once I submitted this information I was taken to a XXXX page which makes me sign up for a credit monitoring services and gives me no option to opt out of this. I thought these credit bureaus were not supposed to do that?

Managing, opening, or closing account

My account was closed and I am still waiting for the company to send me my money.

Incorrect information on credit report

The bankruptcy reporting has several inaccuracies. Reference Number XXXX. I do not know the source of their information on this bankruptcy and because of the Equifax has violated the Fair Credit reporting Act. I am requesting the removal of the bankruptcy.

Incorrect information on credit report

Hello, I disputed XXXX accounts with XXXX XXXX XXXX XXXX and there were deleted from my Equifax credit report. I have a account with XXXX XXXX and I just check my report today. Now my report is showing XXXX charge off account with XXXX XXXX XXXX XXXX. I 'm thinking is this a joke. Why investigate negative information that do n't belong to you and it gets deleted and within 2 months it appears back on your report.

Disclosure verification of debt

On XXXX/XXXX/15 I requested National Credit System provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.