determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Cont'd attempts collect debt not owed	I opened a XXXX account back in 2015 and I returned the phone in the 14 day return period that was allowed. I was told the account was closed and all I had to do was pay a XXXX dollar restocking fee. It appears that the XXXX store I was dealing with never processed the closing of the account properly. I do not feel I owe the debt.
Attempts to collect debt not owed	DEBT WAS DISCHARGED IN CHAPTER XXXX BANKRUPCTY XXXX/XXXX/2017. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS
Incorrect information on credit report	Talx corporation, a division of Equifax corporation is a Consumer Reporting Agency as defined by FCRA. Check of my employment records on XXXX/XXXX/2015 indicated that Name and DOB of my dependents are also showing up in my report ( Ref case number XXXX ). There is no purpose for these to be reported on my employment and creates a risk for ID theft. I submitted a request for it to be removed but that has not been agreed to.
Unauthorized transactions/trans. issues	On XXXX XXXX 2016 I made a purchase from lowes via there website.There was an issue with that purchase that led me to file a dipute. XXXX corporate agreed to that dispute and authorized the release of those funds back to me.However my debit card company is holding those funds and will not release back to me.
Managing the loan or lease	Multiple calls daily from lender even you are only a day late ( XXXX calls a day ) robo calls and hangups as well. They do not report to credit correctly as required and agreed in the contract. Predatory lending they target low income and minority. They hold payments past the due date and do not apply to the account so they can collect a late fee.
Incorrect information on credit report	BMW will not reverse a late payment '32 days due to a mistake that they made. i 've disputed and send in letters, all denied my appeal, they will not admit fault and I have proven to them over and over it occurred due to a customer service rep not recording a date change. They even admitted he did not do his job.
Billing disputes	On XXXX XXXX 2015 I filed a dispute with Bank Of America for a XXXX charge for a company that promised delivery by XXXX XXXX, which was within the 120 day period. Bank Of America Admits that they got the information to the Merchants credit card LATE, and because of their late submission I am out the XXXX. I will refuse to pay off that XXXX, which will now result in my credit being damaged.
Loan modification,collection,foreclosure	The green tree servicing lawsuit amount was {$9500.00} for me but I received a check for {$53.00}. Why? When it is so hard to get Ditch, Green tree, XXXX XXXX to even issue a loan modification after the threats and humiliation from this company. Why only XXXX?
Cont'd attempts collect debt not owed	Credit collections service is trying to collect a debt they bought and they are not licensed to operate in my state.
Disclosure verification of debt	This is a credit card account from XXXX from ten years ago or longer. Midland Funding , LLC is somehow renewing the timeline to an earlier date from XX/XX/2014. From a debt long time ago.
Incorrect information on your report	I have an address reporting to my XXXX, TransUnion and XXXX credit report that is not my address.
Incorrect information on credit report	One day my credit score goes up XXXX points without me doing anything, the next day it drops XXXX points without anything happening.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Managing the loan or lease	I reached an agreement with Universal Acceptance Corporation to settle my account for {$1000.00}, which, I paid with my XXXX XXXX XXXX debit card. I want UAC to send me a letter of confirmation and the release of lien document.
Opening an account	The Banks Chase XXXX XXXX XXXX XXXX Ny XXXX would not Return Loist Credit Cards Complaint XXXX - XXXX New York State Dept Of Finicial Services
Disclosure verification of debt	Portfolio Recovery Associates has a collections account on my credit report that contains wrong information. Portfolio Recovery Associates intentionally put wrong information so that the trade line would stay on my credit report for a longer period of time. Portfolio Recovery Associates has engaged in deceptive business practices in flagrant violation of the Fair Debt Collections Practices Act.
Cont'd attempts collect debt not owed	I get calls on average 15-20 times a day from Vital Recovery Services XXXX. I have no debts. I 'm 85 years old and they are calling me about a debt that one of my children supposedly has. They all have their own homes and phone # 's, and if one of them had a debt in collection, which they tell me they do n't, the calls this debt collector is making should be to them not me. I 've told them this in the past and yet they continue to call me.
Delinquent account	Hello, This item is in question to chase Credit Card Services. My account number : XXXX. This account is not past due, XXXX was charged off. It still shows late and PAST DUE on my credit report. The account number is The amount past due in question is {$1100.00}. I have verified that if an item is charged off it can not show currently past due or late. I have repeatedly disputed this item with no correction. Chase has refused to correct how this is reporting.
Fraud or scam	When cashing a check that is drawn on US Bank by a non account holder, the bank branches avoid and or refuse to give a receipt for the {$7.00} check cashing fee. They claim that their system is not set up to generate a receipt for the fee. It appears that they are not keeping proper records to report income from check cashing fees collected. I also feel that the fees themselves are an intrusion in the execution of a contract between XXXX people.
Incorrect information on your report	Keep reported closed refinanced accounts as negative accounts they are outdated and should no longer be reported as per the fair crediting act. I have contacted them several times and they tell me they will look into it and do nothing.
Incorrect information on credit report	Experian will not let me delete addresses that are not mine, and multiple names on my credit report that are misspelled or incorrect format. These addresses are incorrect or belong to family members and they appear on my name along with accounts that are also not mine.
Incorrect information on your report	XXXX and Trans Union are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.
Closing/Cancelling account	On XXXX XXXX, XXXX I made a paid in full settlement with the collection agency for Barclays bank Delaware by paying {$1000.00} as a full settlement for the balance of {$2000.00}. The advised this account will be charged off with a XXXX ( XXXX ) balance. But after that they have not charged off my account with zero balance and also sent me a bank statement dated XXXX XXXX, XXXX with a statement balance of {$2000.00}.
Cont'd attempts collect debt not owed	I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureaus and affecting me negatively.
Credit reporting company's investigation	I have repeatedly asked for these unauthorized inquires to be removed from my credit profile. Equifax continues to keep these on my file saying they are mine and I need to contact each company. when I called these companies they keep telling me I need to contact Equifax. These are very damaging to my credit worthiness and are inhibiting for me to obtaining credit.
Can't contact lender	Contacting my job multiple calls. Multiple calls to my phone and leaving notes on my door, place of residence.
Incorrect information on your report	I had a XXXX XXXX credit card through XXXX that was closed with a {$0.00} balance in XXXX. XXXX confirmed this with me on the phone on XX/XX/18. However, Experian is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, XXXX is telling Experian there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true!
Disclosure verification of debt	Opened date is not correctly reported on my credit report.
Incorrect information on credit report	I was out of USA and i dn t understand what is that compagny and why is that amount
Communication tactics	I am getting daily calls from CBE Group. They always call from a XXXX number but the last four digits are always different. They never leave a voicemail. I 've received nothing via postal mail from this company so I do n't know what their supposed business is with me.
Incorrect information on your report	I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked Transunion for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.
Incorrect information on your report	I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : XXXX.
Incorrect information on your report	My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for me.
Making/receiving payments, sending money	I am having an issue with Rush Card debit every so often my card is being deducted from without my consent, when I call to have the issue cleared I 'm being put on hold for XXXX min without any resolve iv'e had enough please help.
Disclosure verification of debt	This company has added several medical collections to my credit file, I have disputed and requested validation. I feel this is inaccurate data and request validation
Improper use of your report	As you are well aware ~143,000,000 people 's personal identification was leaked via improper security at Equifax . I am " likely '' one of these people, as stated by their website.
Billing disputes	This company is so unwilling to work with the middle class person, whom works XXXX part time job to support XXXX young children. The company did not even offer any type of assistance programs, or even let me use the credit card security benefit plan since I fall well within their guidelines to have the debt removed. The company did not even send out letters, or offer programs to get back on track.
Billing disputes	I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XX/XX/XXXX 60 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 30 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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.
Billing disputes	I was overcharged for a rental and I never swiped my card or signed for the charge, yet my Capital Once credit card is being charged for an extra {$100.00}.
Credit reporting company's investigation	I contacted them about removing XXXX collection account from my credit report that reached the 7 year mark and need to be removed from my credit report. Instead of getting removed, the status got changed along with the amount of time it is staying on my credit report to 2020. The credit agency doing this is Experian. I have the XXXX item being investigated that is connected with this account, hopefully they will do the right thing.
Other features, terms, or problems	Most recent report of inability to use past payment activity feature of online account management occurred on XXXX / XXXX / XXXX . I requested a past payment activity report of ( 2 ) YTD.
Taking out the loan or lease	Synchrony Bank refuses to increase credit limit on my Care Credit Account. They have no basis for their denial.
APR or interest rate	deceptive charge practices. See statement attached.
Dealing with my lender or servicer	I HAVE SEVERAL STUDENT LOANS WITH XXXX XXXX TO ATTEND SCHOOL AND WANT TO MAKE SURE THAT I AM PROTECTED DURING THIS ACTIVE LAWSUIT AGAINST NAVIENT FORMALLY XXXX XXXX
Improper use of your report	On XXXX XXXX 2017 my credit report was pulled by Target, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. Target called and I told them I did not request a Target Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.
Improper use of your report	XXXX XXXX in XXXX XXXX , California or somebody use my identity to pull my credit with XXXX , Transunion and XXXX reporting agencies.I never been to XXXX XXXX to purchase a car or give authorization to pull my credit. This is a hard inquiry on my credit report .
Incorrect information on credit report	In regards to Case number:XXXX Please remove the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Problem with a credit reporting company's investigation into an existing problem	SEVERAL DISPUTES SENT BUT NO RESOLVE
Problem with a credit reporting company's investigation into an existing problem	RE : Wells Fargo Dealer Services This is in regards to Wells Fargo reporting that I made a lie payment on a car loan. A late payment was NEVER made and I have a letter showing that Wells Fargo made a mistake in marking this as late and even FULLY REFUNDED the late fee. Request : Rectify and delete late payment
Charged fees or interest I didn't expect	fees and payments were different than what they are deducting from my bank account ; additionally i have learned they are n't licensed or authorized to do business in VA ; also no instructions for stopping ACH transactions on statement ; terms and conditions or website.
Incorrect information on credit report	I paid off all my credit cards and car loan and my credit score still has all full balances and has not updated since XX/XX/XXXX. This is keeping me from qualifying for a home loan. Can someone please help me on getting my credit updated?!
Incorrect information on credit report	All negative reports should be deleted from my file. Each account has been paid to the original creditor.
Loan servicing, payments, escrow account	- Refinanced my mortgage loan from XXXX to PennyMac on XXXX/XXXX/XXXX for a 30 year fixed at 3.75 % in the amount of {$170000.00} Loan type : Conventional W/O PMI - Was new mortgage analysis I requested XX/XX/XXXX completed? NOT COMPLETED AS OF XXXX/XXXX/
Account opening, closing, or management	I had a checking account and savings account with J.P. Morgan Chase Bank.And executed a fraudulent foreclosure and eviction on the home of the owner to the whoom I paid rent to. So, when I placed my name in the counter complaint filed by the owner then Chase bank in retaliation for this action froze my bank account, and eventually closed my bank account without any explanation given and when I asked them they refused to let me know the reason why!
Incorrect information on your report	EXPERIAN AND XXXX REPORTS A XXXX XXXX THAT WAS REMOVED 4YRS AGO NOW ITS UNDER XXXX XXXX XXXX. THAT WAS REMOVED FOR ID THEFT PLS REMOVE IT
Incorrect information on your report	A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove it.
Problem with a purchase shown on your statement	what they fail to tell you that i dont want the items i told them i want to return it 3 times b/c they didnt give me a all connect media that makes the TV usless cra violation and hung up on me b/c i wanted to return it 5 times
Cont'd attempts collect debt not owed	This agency never sent me a notice before placing XXXX erroneous accounts on my credit. Which is illegal. I asked for validation of these accounts and received no response. Yet, they continue to report on my credit.
Incorrect information on credit report	EQUIFAX REPORTS XXXX, XXXX XXXX XXXX ACCT XXXX ON MY CREDIT REPORT.THE COLLECTION AMOUNT LISTED IS XXXX.THE ACCOUNT WAS SETTLED ON XXXX/XXXX/2016 ( SEE BANK STATEMENT ATTATCHED ) FOR AN AMOUNT IN EXCESS OF XXXX. MY REPORT SHOULD INCLUDE THE DATE AND AMOUNT PAID.IN CALIFORNIA ALL COLLECTION FEES IMPOSED THAT WERE NOT DISCLOSED ON ORIGINAL CONTRACT ARE ILLEGAL.
Disclosure verification of debt	I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from Greene and Cooper. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.
Incorrect information on your report	The addresses shown on my credit report are not mine. I've lived in the same address for over 12 years and I've never lived in XXXX Connecticut. I've always lived in XXXX Connecticut. Is this affecting my credit report and is someone else using my identity?
Billing disputes	I was told this account wiuld be deleted from my credit bureaus when I paid the account off many XXXXyears ago. I am now XXXX and XXXX and asking for them not only to fulfill their promise but also to understand my situation and goodwill delete the item so I dont become homeless in the winter.
Attempts to collect debt not owed	I checked my credit report and to my surprise there is a collection account for {$1500.00} from Credit Collection Services. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.
Written notification about debt	I have a collection account listed on my credit reports by a debt collection agency, NCC BUSINESS SERVICES, collecting on behalf of XXXX XXXX. NCC BUSINESS SERVICES is not licensed to collect in the state of Florida and therefore I am disputing this collection account.
Communication tactics	Took out a bank card for {$200.00}. Forget to pay back.
Managing the loan or lease	Opened car loan in XXXX XXXX . Auto was totaled XXXX XXXX . Called to get payoff amount for loan, was told {$6000.00}. When the insurance check came, called back to get exact amount to pay it off right then, was told the payoff amount was {$7700.00}. When asked for explanation, I got nowhere. Supervisors were always busy. This quote is documented in my acct, calls are recorded. Bought a new used vehicle based on the first payoff amount I received.
Deposits and withdrawals	Earlier in XXXX someone changed my address and received my XXXX check then deposited it into her sole bank account at which time she was credited the money. The bank was made aware of the situation and still in XXXX XXXX the bank has not returned my funds to me.
Incorrect information on credit report	Equifax is reporting a Public Record Released Tax Lien XXXX I wrote them many letters along with the letter Released and withdrawal letter but this public record is still on my Equifax credit report where all other credit bureaus deleted this public record. Attached is the letter from IRS.
Cont'd attempts collect debt not owed	I.C. System Inc. reported a debt that I do not owe, and they damaged all my credit report on all XXXX credit bureaus. I demanded they show me PROOF, and requested pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim was disputed and validation was requested.
Communication tactics	I 've never made business with LTD Financial Services and do not know what they want.
Taking/threatening an illegal action	Threaten arrest and law suit
Incorrect information on credit report	Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XXXX Credit report not reflecting improper foreclosure.
Incorrect information on credit report	On the equifax credit report as addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have never lived there so I 'm wondering if someone is stealing my identity for their personal gain. Please let me know what I can do to help facilitate in resolving that issue. Thank you for your time.
Cont'd attempts collect debt not owed	my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed
Taking out the loan or lease	CHASE WENT ON MY CREDIT REPORTS WITHOUT WRITTEN AUTHORIZATION 3 TIMES
Incorrect information on credit report	Reporting negative information of bankruptcy on my credit report
Communication tactics	someone steal all my identity and been using my name and i do n't think its fair for cable bill to be mines
Attempts to collect debt not owed	Today, I received a collection on my credit report that I paid. Prior until today, I never received any notice from the debt collect or Harris and Harris pri or to reporting it to my credit so that I could exercise my right to dispute this debt and ask for validation which is my right under the fair debt collection act.
Improper use of your report	Ive contacted Trans union several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.
Cont'd attempts collect debt not owed	When checking derogatory remarks on my credit score, it shows that I STILL owe on this debt. Despite the fact that this was from XXXX a few years ago claiming I did not return equipment, which I did, When I went on their website to pay the total, the option came up to settle for {$41.00}. I have paid this debt to Stella Recovery and should be removed from my credit report.
Billing disputes	I see judgements for amount that I had no knowledge about. I also see XXXX Texas addresses where I never lived and wrong spelling of my mother 's middle name.
Improper use of your report	Wrote Experian a letter, and mailed it on XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Cont'd attempts collect debt not owed	Collection of a debit in someone elses name and incorrect reporting to my credit file.
Written notification about debt	I am showing this account was opened on XX/XX/XXXX. The account has been reported on my credit as of XX/XX/XXXX. This company has not made any attempts to reach out to me about this debt. I was not able to dispute this debt or receive full verification of the debt. Due to company not reaching out to me first.
Closing/Cancelling account	USAA Federal Savings Bank issued a XXXX from to me, but upon checking my credit score, I saw that USAA did not delete debt. It is still showing the amount and it is still open. Please help me resolving this matter because USAA is not helping me and they are rude. I tired to explain to them to take it out on my credit report but they always hang up the phone on me.
Identity theft / Fraud / Embezzlement	I reported that is was fraudulent activity on my Paypal Smart connect card and asked to unlink the card from the Paypal account. They refused to do so and as a result there were a lot of unauthorized charges on my account.
Incorrect information on credit report	I have chapter XXXX bankruptcy a public record on my Equifax report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.
Managing, opening, or closing your mobile wallet account	I sold an item on XXXX. Trying to withdraw my money on Paypal on the XXXX XX/XX/2018. They have put it on a hold for 72 hours for no reason. They keep changing time frames and are just not releasing my money.
Problems when you are unable to pay	A Nissan collections agent called me at XXXX PST on XX/XX/2016. This is a violation of the FDCPA.
Disclosure verification of debt	So-called creditor is in direct violation of FCRA, FDCPA.
False statements or representation	Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full.
Incorrect information on your report	Equifax has reported that a XXXX credit card account that I have was closed. This account is still active.This has caused my credit score from Equifax to drop over XXXX points. I have tried to resolve this issue three times with Equifax but the only result is that my score goes down each. XXXX has updated and correct information on my credit credit report if they would like to compare.
Struggling to pay your bill	XXXX XXXX XXXX threated to suit me ( XXXX XXXX XXXX XXXX XXXX ) and threated me to take me to court while I was unemployed and on financial hardship on XXXX 2013, and I am in a financial hardship as of now, and asked me to pay {$1800.00}. they did not care and asked me to pay the debt if not they will take me to court.
Other	I have inquiries on my credit report that are a hard hit, that I have not requested or authorized. The hard hit is affecting my credit negatively. I have requested for the company to remove them, and was told that there was nothing that could be done on their part.
Incorrect information on your report	These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3800.00} CAPITAL XXXX AUTO FINANCENeeds Attention Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off XXXX XXXX BANK XXXX NA Closed : XX/XX/XXXX {$1000.00} Closed XXXX BANK DELAWARE Closed : XX/XX/XXXX {$200.00} Closed
Problem with a credit reporting company's investigation into an existing problem	XXXX XXXX ie XXXX XXXX was closed by the us govt die to illegal things now on one acct the credit builder act they called it to help increase my score has reported to XXXX and reduced my score by 120 points immediately after not at all fair warning closing of my acct after missing two payments of 22 mo to pay into the Acct and the loan WAS a CD ACCT AT {$1000.00}
Billing disputes	BANK OF AMERICA HAS NUMEROUS FRAUD TRANSACTIONS ON MY XXXX ACCOUNT AND WILL NOT RECOGINSE PAYMENTS LARGE ONES I MADE. I HAVE DISPUTED PER FCBA AND WILL NOT COMPLY WITH THE ACT. THEY HAVE IGNORED AND STOLEN XXXX IN PAYMENTS. AND REPORTING FRAUD INFORMAITON
Improper use of your report	TransUnion Credit Report Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Incorrect information on credit report	All XXXX reporting companies ( Equifax, XXXX, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. These are listed as XXXX XXXX XXXX XXXX XXXX
Loan servicing, payments, escrow account	I filed a Ch XXXX in 2004. I did not reaffirm my debt with Regions Mortgage. But, in violation of the Bankruptcy Stay, Regions reported that I missed XXXX payments after the bankruptcy. Then Regions transferred the property to XXXX Mortgage who wrongfully reported that I missed XXXX payments.

Cont'd attempts collect debt not owed

I opened a XXXX account back in 2015 and I returned the phone in the 14 day return period that was allowed. I was told the account was closed and all I had to do was pay a XXXX dollar restocking fee. It appears that the XXXX store I was dealing with never processed the closing of the account properly. I do not feel I owe the debt.

Attempts to collect debt not owed

DEBT WAS DISCHARGED IN CHAPTER XXXX BANKRUPCTY XXXX/XXXX/2017. THIS HAS BEEN ADDED TO MY REPORT ILLEGALLY AND IS VIOLATING FCRA RIGHTS

Incorrect information on credit report

Talx corporation, a division of Equifax corporation is a Consumer Reporting Agency as defined by FCRA. Check of my employment records on XXXX/XXXX/2015 indicated that Name and DOB of my dependents are also showing up in my report ( Ref case number XXXX ). There is no purpose for these to be reported on my employment and creates a risk for ID theft. I submitted a request for it to be removed but that has not been agreed to.

Unauthorized transactions/trans. issues

On XXXX XXXX 2016 I made a purchase from lowes via there website.There was an issue with that purchase that led me to file a dipute. XXXX corporate agreed to that dispute and authorized the release of those funds back to me.However my debit card company is holding those funds and will not release back to me.

Managing the loan or lease

Multiple calls daily from lender even you are only a day late ( XXXX calls a day ) robo calls and hangups as well. They do not report to credit correctly as required and agreed in the contract. Predatory lending they target low income and minority. They hold payments past the due date and do not apply to the account so they can collect a late fee.

Incorrect information on credit report

BMW will not reverse a late payment '32 days due to a mistake that they made. i 've disputed and send in letters, all denied my appeal, they will not admit fault and I have proven to them over and over it occurred due to a customer service rep not recording a date change. They even admitted he did not do his job.

Billing disputes

On XXXX XXXX 2015 I filed a dispute with Bank Of America for a XXXX charge for a company that promised delivery by XXXX XXXX, which was within the 120 day period. Bank Of America Admits that they got the information to the Merchants credit card LATE, and because of their late submission I am out the XXXX. I will refuse to pay off that XXXX, which will now result in my credit being damaged.

Loan modification,collection,foreclosure

The green tree servicing lawsuit amount was {$9500.00} for me but I received a check for {$53.00}. Why? When it is so hard to get Ditch, Green tree, XXXX XXXX to even issue a loan modification after the threats and humiliation from this company. Why only XXXX?

Cont'd attempts collect debt not owed

Credit collections service is trying to collect a debt they bought and they are not licensed to operate in my state.

Disclosure verification of debt

This is a credit card account from XXXX from ten years ago or longer. Midland Funding , LLC is somehow renewing the timeline to an earlier date from XX/XX/2014. From a debt long time ago.

Incorrect information on your report

I have an address reporting to my XXXX, TransUnion and XXXX credit report that is not my address.

Incorrect information on credit report

One day my credit score goes up XXXX points without me doing anything, the next day it drops XXXX points without anything happening.

Incorrect information on your report

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

Managing the loan or lease

I reached an agreement with Universal Acceptance Corporation to settle my account for {$1000.00}, which, I paid with my XXXX XXXX XXXX debit card. I want UAC to send me a letter of confirmation and the release of lien document.

Opening an account

The Banks Chase XXXX XXXX XXXX XXXX Ny XXXX would not Return Loist Credit Cards Complaint XXXX - XXXX New York State Dept Of Finicial Services

Disclosure verification of debt

Portfolio Recovery Associates has a collections account on my credit report that contains wrong information. Portfolio Recovery Associates intentionally put wrong information so that the trade line would stay on my credit report for a longer period of time. Portfolio Recovery Associates has engaged in deceptive business practices in flagrant violation of the Fair Debt Collections Practices Act.

Cont'd attempts collect debt not owed

I get calls on average 15-20 times a day from Vital Recovery Services XXXX. I have no debts. I 'm 85 years old and they are calling me about a debt that one of my children supposedly has. They all have their own homes and phone # 's, and if one of them had a debt in collection, which they tell me they do n't, the calls this debt collector is making should be to them not me. I 've told them this in the past and yet they continue to call me.

Delinquent account

Hello, This item is in question to chase Credit Card Services. My account number : XXXX. This account is not past due, XXXX was charged off. It still shows late and PAST DUE on my credit report. The account number is The amount past due in question is {$1100.00}. I have verified that if an item is charged off it can not show currently past due or late. I have repeatedly disputed this item with no correction. Chase has refused to correct how this is reporting.

Fraud or scam

When cashing a check that is drawn on US Bank by a non account holder, the bank branches avoid and or refuse to give a receipt for the {$7.00} check cashing fee. They claim that their system is not set up to generate a receipt for the fee. It appears that they are not keeping proper records to report income from check cashing fees collected. I also feel that the fees themselves are an intrusion in the execution of a contract between XXXX people.

Incorrect information on your report

Keep reported closed refinanced accounts as negative accounts they are outdated and should no longer be reported as per the fair crediting act. I have contacted them several times and they tell me they will look into it and do nothing.

Incorrect information on credit report

Experian will not let me delete addresses that are not mine, and multiple names on my credit report that are misspelled or incorrect format. These addresses are incorrect or belong to family members and they appear on my name along with accounts that are also not mine.

Incorrect information on your report

XXXX and Trans Union are not reporting my VA Home Loan and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.

Closing/Cancelling account

On XXXX XXXX, XXXX I made a paid in full settlement with the collection agency for Barclays bank Delaware by paying {$1000.00} as a full settlement for the balance of {$2000.00}. The advised this account will be charged off with a XXXX ( XXXX ) balance. But after that they have not charged off my account with zero balance and also sent me a bank statement dated XXXX XXXX, XXXX with a statement balance of {$2000.00}.

Cont'd attempts collect debt not owed

I have no knowledge of this debt and I would like it removed as it is reporting to the credit bureaus and affecting me negatively.

Credit reporting company's investigation

I have repeatedly asked for these unauthorized inquires to be removed from my credit profile. Equifax continues to keep these on my file saying they are mine and I need to contact each company. when I called these companies they keep telling me I need to contact Equifax. These are very damaging to my credit worthiness and are inhibiting for me to obtaining credit.

Can't contact lender

Contacting my job multiple calls. Multiple calls to my phone and leaving notes on my door, place of residence.

Incorrect information on your report

I had a XXXX XXXX credit card through XXXX that was closed with a {$0.00} balance in XXXX. XXXX confirmed this with me on the phone on XX/XX/18. However, Experian is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, XXXX is telling Experian there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true!

Disclosure verification of debt

Opened date is not correctly reported on my credit report.

Incorrect information on credit report

I was out of USA and i dn t understand what is that compagny and why is that amount

Communication tactics

I am getting daily calls from CBE Group. They always call from a XXXX number but the last four digits are always different. They never leave a voicemail. I 've received nothing via postal mail from this company so I do n't know what their supposed business is with me.

Incorrect information on your report

I have been disputing this account for quite some time. I am still waiting for it to be removed. I do not recognize this account and have asked Transunion for them and XXXX XXXX to verify account and send me documents verifying the account or to please remove from my report. Now they have added an extra {$18000.00} to the account. I would like to have this removed as soon as possible.

Incorrect information on your report

I have contacted the credit agencies to ask that they add my contact telephone number to my credit file. To date, the credit agencies have not done this. Please add the following number to my credit profile : My contact number to my credit file : XXXX.

Incorrect information on your report

My credit reports state that I am deceased and I am obviously not. I can not apply for many things and could not even get a utility bill in my name! PLEASE help me. I called the credit agency and they said to contact social security. I called social security and they told me to contact the credit agencies. I wrote in requesting a report since XXXX would not provide one for me.

Making/receiving payments, sending money

I am having an issue with Rush Card debit every so often my card is being deducted from without my consent, when I call to have the issue cleared I 'm being put on hold for XXXX min without any resolve iv'e had enough please help.

Disclosure verification of debt

This company has added several medical collections to my credit file, I have disputed and requested validation. I feel this is inaccurate data and request validation

Improper use of your report

As you are well aware ~143,000,000 people 's personal identification was leaked via improper security at Equifax . I am " likely '' one of these people, as stated by their website.

Billing disputes

This company is so unwilling to work with the middle class person, whom works XXXX part time job to support XXXX young children. The company did not even offer any type of assistance programs, or even let me use the credit card security benefit plan since I fall well within their guidelines to have the debt removed. The company did not even send out letters, or offer programs to get back on track.

Billing disputes

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of XXXX XX/XX/XXXX 60 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 30 days past due as of XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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.

Billing disputes

I was overcharged for a rental and I never swiped my card or signed for the charge, yet my Capital Once credit card is being charged for an extra {$100.00}.

Credit reporting company's investigation

I contacted them about removing XXXX collection account from my credit report that reached the 7 year mark and need to be removed from my credit report. Instead of getting removed, the status got changed along with the amount of time it is staying on my credit report to 2020. The credit agency doing this is Experian. I have the XXXX item being investigated that is connected with this account, hopefully they will do the right thing.

Other features, terms, or problems

Most recent report of inability to use past payment activity feature of online account management occurred on XXXX / XXXX / XXXX . I requested a past payment activity report of ( 2 ) YTD.

Taking out the loan or lease

Synchrony Bank refuses to increase credit limit on my Care Credit Account. They have no basis for their denial.

APR or interest rate

deceptive charge practices. See statement attached.

Dealing with my lender or servicer

I HAVE SEVERAL STUDENT LOANS WITH XXXX XXXX TO ATTEND SCHOOL AND WANT TO MAKE SURE THAT I AM PROTECTED DURING THIS ACTIVE LAWSUIT AGAINST NAVIENT FORMALLY XXXX XXXX

Improper use of your report

On XXXX XXXX 2017 my credit report was pulled by Target, which was not authorized. There is a consumer statement on my credit report requiring all lenders to call me before extending credit in my name. Target called and I told them I did not request a Target Credit Card nor did/do I give them authorization to pull my credit report. I instructed them to remove any inquires from my credit report, which still has not been done.

Improper use of your report

XXXX XXXX in XXXX XXXX , California or somebody use my identity to pull my credit with XXXX , Transunion and XXXX reporting agencies.I never been to XXXX XXXX to purchase a car or give authorization to pull my credit. This is a hard inquiry on my credit report .

Incorrect information on credit report

In regards to Case number:XXXX Please remove the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

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

SEVERAL DISPUTES SENT BUT NO RESOLVE

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

RE : Wells Fargo Dealer Services This is in regards to Wells Fargo reporting that I made a lie payment on a car loan. A late payment was NEVER made and I have a letter showing that Wells Fargo made a mistake in marking this as late and even FULLY REFUNDED the late fee. Request : Rectify and delete late payment

Charged fees or interest I didn't expect

fees and payments were different than what they are deducting from my bank account ; additionally i have learned they are n't licensed or authorized to do business in VA ; also no instructions for stopping ACH transactions on statement ; terms and conditions or website.

Incorrect information on credit report

I paid off all my credit cards and car loan and my credit score still has all full balances and has not updated since XX/XX/XXXX. This is keeping me from qualifying for a home loan. Can someone please help me on getting my credit updated?!

Incorrect information on credit report

All negative reports should be deleted from my file. Each account has been paid to the original creditor.

Loan servicing, payments, escrow account

- Refinanced my mortgage loan from XXXX to PennyMac on XXXX/XXXX/XXXX for a 30 year fixed at 3.75 % in the amount of {$170000.00} Loan type : Conventional W/O PMI - Was new mortgage analysis I requested XX/XX/XXXX completed? NOT COMPLETED AS OF XXXX/XXXX/

Account opening, closing, or management

I had a checking account and savings account with J.P. Morgan Chase Bank.And executed a fraudulent foreclosure and eviction on the home of the owner to the whoom I paid rent to. So, when I placed my name in the counter complaint filed by the owner then Chase bank in retaliation for this action froze my bank account, and eventually closed my bank account without any explanation given and when I asked them they refused to let me know the reason why!

Incorrect information on your report

EXPERIAN AND XXXX REPORTS A XXXX XXXX THAT WAS REMOVED 4YRS AGO NOW ITS UNDER XXXX XXXX XXXX. THAT WAS REMOVED FOR ID THEFT PLS REMOVE IT

Incorrect information on your report

A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove it.

Problem with a purchase shown on your statement

what they fail to tell you that i dont want the items i told them i want to return it 3 times b/c they didnt give me a all connect media that makes the TV usless cra violation and hung up on me b/c i wanted to return it 5 times

Cont'd attempts collect debt not owed

This agency never sent me a notice before placing XXXX erroneous accounts on my credit. Which is illegal. I asked for validation of these accounts and received no response. Yet, they continue to report on my credit.

Incorrect information on credit report

EQUIFAX REPORTS XXXX, XXXX XXXX XXXX ACCT XXXX ON MY CREDIT REPORT.THE COLLECTION AMOUNT LISTED IS XXXX.THE ACCOUNT WAS SETTLED ON XXXX/XXXX/2016 ( SEE BANK STATEMENT ATTATCHED ) FOR AN AMOUNT IN EXCESS OF XXXX. MY REPORT SHOULD INCLUDE THE DATE AND AMOUNT PAID.IN CALIFORNIA ALL COLLECTION FEES IMPOSED THAT WERE NOT DISCLOSED ON ORIGINAL CONTRACT ARE ILLEGAL.

Disclosure verification of debt

I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from Greene and Cooper. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.

Incorrect information on your report

The addresses shown on my credit report are not mine. I've lived in the same address for over 12 years and I've never lived in XXXX Connecticut. I've always lived in XXXX Connecticut. Is this affecting my credit report and is someone else using my identity?

Billing disputes

I was told this account wiuld be deleted from my credit bureaus when I paid the account off many XXXXyears ago. I am now XXXX and XXXX and asking for them not only to fulfill their promise but also to understand my situation and goodwill delete the item so I dont become homeless in the winter.

Attempts to collect debt not owed

I checked my credit report and to my surprise there is a collection account for {$1500.00} from Credit Collection Services. I sent a certified letter to the address that appeared on my credit report but never heard anything. I do not owe this debt and this is really hurting my credit while trying to buy my first home. This needs to be taken off my credit report immediately or my next step is to seek immediate legal action.

Written notification about debt

I have a collection account listed on my credit reports by a debt collection agency, NCC BUSINESS SERVICES, collecting on behalf of XXXX XXXX. NCC BUSINESS SERVICES is not licensed to collect in the state of Florida and therefore I am disputing this collection account.

Communication tactics

Took out a bank card for {$200.00}. Forget to pay back.

Managing the loan or lease

Opened car loan in XXXX XXXX . Auto was totaled XXXX XXXX . Called to get payoff amount for loan, was told {$6000.00}. When the insurance check came, called back to get exact amount to pay it off right then, was told the payoff amount was {$7700.00}. When asked for explanation, I got nowhere. Supervisors were always busy. This quote is documented in my acct, calls are recorded. Bought a new used vehicle based on the first payoff amount I received.

Deposits and withdrawals

Earlier in XXXX someone changed my address and received my XXXX check then deposited it into her sole bank account at which time she was credited the money. The bank was made aware of the situation and still in XXXX XXXX the bank has not returned my funds to me.

Incorrect information on credit report

Equifax is reporting a Public Record Released Tax Lien XXXX I wrote them many letters along with the letter Released and withdrawal letter but this public record is still on my Equifax credit report where all other credit bureaus deleted this public record. Attached is the letter from IRS.

Cont'd attempts collect debt not owed

I.C. System Inc. reported a debt that I do not owe, and they damaged all my credit report on all XXXX credit bureaus. I demanded they show me PROOF, and requested pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that their claim was disputed and validation was requested.

Communication tactics

I 've never made business with LTD Financial Services and do not know what they want.

Taking/threatening an illegal action

Threaten arrest and law suit

Incorrect information on credit report

Home foreclosed upon in XX/XX/XXXX. Settlement received for improper foreclosure in XXXX Credit report not reflecting improper foreclosure.

Incorrect information on credit report

On the equifax credit report as addresses listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, I have never lived there so I 'm wondering if someone is stealing my identity for their personal gain. Please let me know what I can do to help facilitate in resolving that issue. Thank you for your time.

Cont'd attempts collect debt not owed

my identity was stolen and accounts were fraudulently opened since people have been trying to collect on debts that do not belong to me that need to be removed

Taking out the loan or lease

CHASE WENT ON MY CREDIT REPORTS WITHOUT WRITTEN AUTHORIZATION 3 TIMES

Incorrect information on credit report

Reporting negative information of bankruptcy on my credit report

Communication tactics

someone steal all my identity and been using my name and i do n't think its fair for cable bill to be mines

Attempts to collect debt not owed

Today, I received a collection on my credit report that I paid. Prior until today, I never received any notice from the debt collect or Harris and Harris pri or to reporting it to my credit so that I could exercise my right to dispute this debt and ask for validation which is my right under the fair debt collection act.

Improper use of your report

Ive contacted Trans union several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.

Cont'd attempts collect debt not owed

When checking derogatory remarks on my credit score, it shows that I STILL owe on this debt. Despite the fact that this was from XXXX a few years ago claiming I did not return equipment, which I did, When I went on their website to pay the total, the option came up to settle for {$41.00}. I have paid this debt to Stella Recovery and should be removed from my credit report.

Billing disputes

I see judgements for amount that I had no knowledge about. I also see XXXX Texas addresses where I never lived and wrong spelling of my mother 's middle name.

Improper use of your report

Wrote Experian a letter, and mailed it on XXXX, and advised Experian that I am a victim of XXXX & Experian security breach. Advised, Experian to delete the following inquiries that are an result of the breach. Have not received any correspondence from Experian. The following inquiries are part of the breach, which I requested deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Cont'd attempts collect debt not owed

Collection of a debit in someone elses name and incorrect reporting to my credit file.

Written notification about debt

I am showing this account was opened on XX/XX/XXXX. The account has been reported on my credit as of XX/XX/XXXX. This company has not made any attempts to reach out to me about this debt. I was not able to dispute this debt or receive full verification of the debt. Due to company not reaching out to me first.

Closing/Cancelling account

USAA Federal Savings Bank issued a XXXX from to me, but upon checking my credit score, I saw that USAA did not delete debt. It is still showing the amount and it is still open. Please help me resolving this matter because USAA is not helping me and they are rude. I tired to explain to them to take it out on my credit report but they always hang up the phone on me.

Identity theft / Fraud / Embezzlement

I reported that is was fraudulent activity on my Paypal Smart connect card and asked to unlink the card from the Paypal account. They refused to do so and as a result there were a lot of unauthorized charges on my account.

Incorrect information on credit report

I have chapter XXXX bankruptcy a public record on my Equifax report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.

Managing, opening, or closing your mobile wallet account

I sold an item on XXXX. Trying to withdraw my money on Paypal on the XXXX XX/XX/2018. They have put it on a hold for 72 hours for no reason. They keep changing time frames and are just not releasing my money.

Problems when you are unable to pay

A Nissan collections agent called me at XXXX PST on XX/XX/2016. This is a violation of the FDCPA.

Disclosure verification of debt

So-called creditor is in direct violation of FCRA, FDCPA.

False statements or representation

Debt had been paid and to original debtor not this capsys, not sure how theyu report I owed them at all when bill was paid in full.

Incorrect information on your report

Equifax has reported that a XXXX credit card account that I have was closed. This account is still active.This has caused my credit score from Equifax to drop over XXXX points. I have tried to resolve this issue three times with Equifax but the only result is that my score goes down each. XXXX has updated and correct information on my credit credit report if they would like to compare.

Struggling to pay your bill

XXXX XXXX XXXX threated to suit me ( XXXX XXXX XXXX XXXX XXXX ) and threated me to take me to court while I was unemployed and on financial hardship on XXXX 2013, and I am in a financial hardship as of now, and asked me to pay {$1800.00}. they did not care and asked me to pay the debt if not they will take me to court.

Other

I have inquiries on my credit report that are a hard hit, that I have not requested or authorized. The hard hit is affecting my credit negatively. I have requested for the company to remove them, and was told that there was nothing that could be done on their part.

Incorrect information on your report

These account are open because of fraud. I have disputed with the companies more than once. not sure why they continue to be on my credit report. XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3800.00} CAPITAL XXXX AUTO FINANCENeeds Attention Last reported : XX/XX/XXXX {$3000.00} In Collections/Charge-off XXXX XXXX BANK XXXX NA Closed : XX/XX/XXXX {$1000.00} Closed XXXX BANK DELAWARE Closed : XX/XX/XXXX {$200.00} Closed

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

XXXX XXXX ie XXXX XXXX was closed by the us govt die to illegal things now on one acct the credit builder act they called it to help increase my score has reported to XXXX and reduced my score by 120 points immediately after not at all fair warning closing of my acct after missing two payments of 22 mo to pay into the Acct and the loan WAS a CD ACCT AT {$1000.00}

Billing disputes

BANK OF AMERICA HAS NUMEROUS FRAUD TRANSACTIONS ON MY XXXX ACCOUNT AND WILL NOT RECOGINSE PAYMENTS LARGE ONES I MADE. I HAVE DISPUTED PER FCBA AND WILL NOT COMPLY WITH THE ACT. THEY HAVE IGNORED AND STOLEN XXXX IN PAYMENTS. AND REPORTING FRAUD INFORMAITON

Improper use of your report

TransUnion Credit Report Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Incorrect information on credit report

All XXXX reporting companies ( Equifax, XXXX, XXXX ) currently report XXXX revolving credit accounts as open when they are in fact closed and have been for at least one year. These are listed as XXXX XXXX XXXX XXXX XXXX

Loan servicing, payments, escrow account

I filed a Ch XXXX in 2004. I did not reaffirm my debt with Regions Mortgage. But, in violation of the Bankruptcy Stay, Regions reported that I missed XXXX payments after the bankruptcy. Then Regions transferred the property to XXXX Mortgage who wrongfully reported that I missed XXXX payments.