determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on credit report	TransUnion can not prove this debt is valid with documentation from date of service. These debts have been bought and sold many times now and there is no evidence of origination except for names. Please remove this debt since it can not be validated, as XXXX has already begun to to do. I have no knowledge of this debt. If it can not be proven, I have a legal right to have it removed.
Communication tactics	As of XXXX XXXX/XXXX/16, they have called me 4 times today, twice yesterday, once the day before.
Communication tactics	COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX
Disclosure verification of debt	Collection agency has failed to provide debt verification notice as it was required by FDCPA for me to dispute the debt. I also called to the agency and mailed them to validate the debt.
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 XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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.
Incorrect information on credit report	XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Transunion to delete the account asap.
Problem caused by your funds being low	I have been charged several over drafts fees with in the last 3 months the total is XXXX of over drafts fees which is outrageous. 4 of them I will be responsible for. td bank are scammers. its like I was forced to sign up for the overdraft protect plan. because live from check to check and I need to pay my rent and feed my child. how will I be able to provided for my child I will just like my money back from td AND IAM GOING TO CLOSE MY ACCOUNT.
Incorrect information on your report	I mailed XXXX proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!
Incorrect information on credit report	I am disputing an account with Experian that is showing as collections with a company I have never done business that does not belong to me. Experian needs to delete it. It is not on my XXXX and XXXX credit reports.
Communication tactics	Continuosly/Repeatedly calling my cell phone at work about a debt I have been paying on. I have asked several times to stop.
Bankruptcy	Synchrony Bank Financial is reported my XXXX XXXX/ XXXX charge-off account to the XXXX credit bureaus as open and currently XXXX payments late and delinquent. This is illegal because i have filed chapter XXXX bankruptcy in 2012 and i have been forgiven of this debt. they way in which they are reporting is affecting my FICO score tremendously, making my bankruptcy irrelevant. They refuse to correct it and delete it and the lying credit bureaus keep verifying it as accurate.
Unable to get credit report/credit score	I requested a copy of my free credit report from the XXXX agencies, I have received reports from XXXX and XXXX but nothing from Equifax. This is not the first time that I have requested my report from Equifax and did not receive it. I am being ignored by this agency.
Problem with a credit reporting company's investigation into an existing problem	I sent a letter ( attached ) to all three credit bureaus asking them to validate XXXX accounts on my credit report and to correct a duplicate account. 30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.
Other	recently sent letter to Synchrony Bank , XXXX XXXX, requesting evidence, bearing my signature, that the account was reported accurately. further they failed to place disputed on my credit reports within 30 days as required by FCRA 623 ( a ) and FDCPA 807 ( 8 ).
Communication tactics	Emails me multiple times a week about the {$670.00} I owe them. I understand that I owe them but sending me emails all the time does n't help.
Unable to get your credit report or credit score	I have called Equifax 5 times each time they verify my identity then transfer to another dept and no one can unlock my credit report they lie verify transfer me escalate the calls I have never been treated so horrible each time I call it 's between 1 and 3 hours they are rude and no one knows what to do i ca n't apply for credit and no one will help incompetent employees who will not help
Charged fees or interest you didn't expect	Before I met and married my husband in XXXX . He had a reserve line with UsBank. When he passed away XXXX XXXX I took his name off the account. I called the bank to tell them he had passed and I did not even know him when he got the reserve line. But they told me I was responsible for it because my name was on the account. The following month they took double the amount. Now I 'm afraid if I ask about it they will take more.
Incorrect information on your report	XXXX XXXX and Equifax continue to publish a collections in my name. Experience deleted the inaccuracy due to identity theft. I wrote to XXXX XXXX and XXXX XXXX and they have not blocked it from my report. I 'm a victim of fraud and have had great difficulty obtaining credit as a result.
Struggling to pay your loan	Borrowed XXXX ... the payment is {$270.00} every two weeks. I am unable to sustain this and I believe the interest rates charged are illegal.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on your report	This address is listed on my credit report. I have never lived in the state of Texas. XXXX XXXX XXXX XXXX XXXX TEXAS XXXX
Cont'd attempts collect debt not owed	Northest Collections Agency XXXX. They have the wrong phone number, I have repeatedly asked them " nicely '' to stop calling to no avail.
Attempts to collect debt not owed	MCM bought in XXXX XXXX an Identity Theft debt from XXXX XXXX which was disputed in XXXX , XXXX had already removed it from CRA and then started to report it again. I have disputed the account through MCM but they have not yet mailed me the requested documents. XXXX says the account belongs to MCM, I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.
Incorrect information on your report	this XXXX CARD Account Number XXXX Account Type Credit Card was paid in full
Unable to get your credit report or credit score	XXXX did not give me results online as indicated it would. Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year. The contact form just accepts a comment, does n't take your phone number or email address for resolution.
Credit determination	I. Did not request or authorize chase card to make any inquiries on my credit reports
Problem adding money	I made 2 deposits into my accoount. The first was {$5000.00} and 2nd was {$25000.00}. The deposits were pending but never credited to my account. Coinbase does not respond to any emails or customer support on social media. They have effectively stolen {$30000.00} from me.
Deposits and withdrawals	I made a deposit of {$15000.00} on XXXX/XXXX/2016. Wells Fargo has placed a hold releasing {$200.00} XXXX/XXXX/2016, {$4800.00} XXXX/XXXX/2016 and {$10000.00} XXXX/XXXX/2016. Since the deposit is presented during the mid-night processing of XXXX/XXXX/2016 and the funds are received by Wells at that time Wells is using my money without my authorization or paying interest during the hold time.
Improper use of your report	Unaware accounts and inquiries on my credit account which I have no clue where they came from. I have n't used my credit account in over 20 years. I have attached the accounts down below. The inquiries are fraudulent. If the inquiries are n't removed I will be taking legal actions against all person liable for this.
Credit determination	I applied for a credit card from Bank of America and they denied me credit saying that I have a past due account with them and XXXX of their associate companies when I do n't have any account with them and do n't have any past due accounts at all. All of my credit accounts are current and never have been past due.
Improper use of your report	The Equifax Data breach has made my personal information susceptible to identify theft and credit fraud. Equifax did not the take the necessary steps to protect my personal information.
Unable to get credit report/credit score	I have contacted the company for a copy of my credit report both by phone and online, I still have not received it
Incorrect information on your report	This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!
Improper contact or sharing of info	XXXX XXXX called from LLC and disclosed information to my employer.She told the receptionist that they would be serving me paperwork and that I would need to be present with XXXX forms of ID and my Manager would also need to be present as a witness.
Incorrect information on credit report	a company called XXXX XXXX XXXX made a hard inquiry on my credit report on XX/XX/2015 i never had any dealings with this company for any type of reason i never applied for credit, employment from them, i firmly believe this company is the same one i had previous trouble with XX/XX/2015 just a different name
Other service issues	I purchased a money order from Western Union in XXXX XXXX # XXXX. The money order was never used and is still complete and unsigned. The money order number is XXXX and I do n't have the purchase date. The amount of the money order is XXXX ( XXXX Dollars ) but Western Union Services says they will only cash the money order back in for XXXX ( XXXX Dollars ). I feel this is illegal as the original amount spent on this money order was XXXX ( XXXX Dollars ).
Incorrect information on credit report	I filed a joint bankruptcy XX/XX/XXXX chapter XXXX and there are items still reporting as being opened as of XX/XX/XXXX There is an item marked medical that was possibly included in the Bankruptcy for {$3900.00} or is incorrect all together that should not be marked as an open account. it should not be there. and the are a lot of XXXX money bank /XXXX/ that are still showing as open accounts
Incorrect information on your report	Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.
Billing disputes	In each of the last XXXX statement cycles payment in full was mailed ( usps ) on XX/XX/XXXX anddue on XX/XX/XXXX. Yet the payments were, in each case held until XX/XX/XXXX thus incurring {$27.00} late fee. This is American Express and is common thievery. I know I have fewoptions. Please use caution dealing with AMX, ethics are not featured.
Problem caused by your funds being low	When I initially opened my account with Santander they persuaded me into opt in to over-draft protection, me not knowing then this was a way for them to make money. The first time this occurred for me going over XXXX and they charged me XXXX. I opted out .... today they have not removed this feature and recently I accumulated some fees because of things that came out of my account and my balance reflecting the wrong availability ... ..
Improper use of your report	UNAUTHORIZED INQUIRY 'S ON CREDIT REPORT
Incorrect information on credit report	I 've tried to navigate equifaxes dispute form to no avail it does not show the items I want to dispute. I have paid XXXX out of XXXX of those depts and the other I have no idea where it 's from.
Incorrect information on credit report	XXXX XXXX XXXX XXXX is being reported on my ExperianXXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XX/XX/2015.
Problem with a credit reporting company's investigation into an existing problem	I wrote into all three credit reporting agencies asking them to have the companies Wells Fargo XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX on all three ) validate my debt and send me copies of all documents with my signatures validating this account. This was not done. XXXX XXXX has also reaged my account which by law isnt allowed. These items need to be deleted if validation can not be given.
Incorrect information on credit report	In XXXX of 2006 XXXX called me in regards to changing my address to XXXX XXXX XXXX XXXX XXXX, IL XXXX. I told XXXX I 've never been to IL so they canceled my card and issued a new card. This address continues to show up on my credit report?? I 've never been to IL and want this address removed because it was a fraudulent address and I 've never lived their. This fraud accorded on or around XXXX/XXXX/06.
Incorrect information on your report	You have reported wrong information in my report " XXXX Account # XXXX XXXX XXXX Account # XXXX '' XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ''
Incorrect information on credit report	Inquires were removed and re added without notice or reasoning XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Managing an account	My bank is n't reporting the transactions and funds available to my third party banking app XXXX . I am requesting there be a change as it affects my ability to transfer.
Incorrect information on your report	I received a copy of my Employment Date Report and on the report it stated that I had been an employee of XXXX XXXX, XXXX in XXXX, PA in 2013. I am from XXXX, CA and was attending XXXX XXXX University, XXXX during that time. I have never lived nor worked in Philadelphia.
Cont'd attempts collect debt not owed	I sold a car that was later impounded from the new owner. The tow bill has been reported to my credit.Since I realize the negative item on my report I contacted XXXX XXXX and the reporting agency. I 've forward the name and address of the new owner to XXXX towing and they simply refer me to Dataline CR, the company they sold the debt to. Dataline CR does n't want to hear anything I have to say and keeps referring me to XXXX 's towing
Account opening, closing, or management	Bank of America ( XXXX ) will not close the claim from 2012, they have also duplicated the claim which is causing me not to be able to get home owners insurance anywhere else at an affordable price. I have spoke to numerous of agents with XXXX and told that it has been taken care of and when I try to get insurance from another carrier the claim information from 2012 is still showing.
Disclosure verification of debt	I was never informed of the existence of this account. The original debt is not in my name. I never authorized this. It was a medical bill for my daughter. My wife is the insurance carrier. I never agreed to any payment and I never was aware of this at all. Somehow this collections account ended up on my credit report. It has since been paid in full.
Cont'd attempts collect debt not owed	The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX XXXX.
Problem with a credit reporting company's investigation into an existing problem	Ocwen Loan Servicing is reporting on my credit report a late payment in XXXX of 2016 and failed to fix the problem I attached a letter from Ocwen verifying and confirming the error but they still failed to address error
Communication tactics	Letter sent to me pertaining to my DEAD husband 's account. My husband died on XX/XX/XXXX ( almost 25 yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider 25 yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.
Disclosure verification of debt	An apartment complex has submitted communication to a collection agency that i vacated the rental property without notice and they also are looking to collect damages. I vacated the property in XX/XX/XXXX with an inspection report and a " ok '' from management. XX/XX/XXXX it hits my inspection report and I realize the debt as I was trying to finance a car. Does 5 years break the statue of limitations even if the charges were legitimate?
Improper use of your report	Bank Of America Had Given Me Inquiries Reported To XXXX That Were Not Authorized By Me. On The Following Dates -- -- > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,
Improper contact or sharing of info	They called my cell phone XXXX XX/XX/2016, looking for someone else. I pay per minute. I had to call them back, muddle through a computerized recording, and ask them to stop calling because it is a work phone. They promised to stop calling but did not. I received another call XX/XX/2016.
Managing the loan or lease	I have asked XXXX to stop calling me from a local phone number. They insisted that it is not them. I have voice messages from them linked to the number. When I call the number it is an actual person 's phone number and she has had the phone number for over 10 years. My payment isnt due until XXXX, and they have been harrassing me all week.
Cont'd attempts collect debt not owed	Kohls company will call XXXX times a day, will not leave a message, and is at all hours of the day. I set up a payment to be automatically taken from my account on a specific day. That day I looked in my account and saw it was pending. Kohls company called me XXXX times even though I had made the payment. They need a better system.
Account opening, closing, or management	Citi credit card closed XXXX of my accounts for " excessive '' adding and deleting of users on my account. I am in right standing with the company and I have a credit score of XXXX. I did break any rules or laws.
Attempts to collect debt not owed	I believe someone tried getting a loan under my name.
Unauthorized transactions/trans. issues	I received a prepaid American express serve that I did not purchase or apply for. whomever did had all of my personal information. when I contacted amex serve they seemed to be protecting the criminal and were not helpful at all. I requested account closed immediately.
Cont'd attempts collect debt not owed	This bill was paid by my insurance two year ago 2014, company try to double dip on invoice paid by my insurance and send bill to collection. I refused to paid any XXXX especially when bill already paid. Need this collection agency to stop harassing me on the phone and by mail. I am on " Do Not Call '' list and there calling me any hours of the days and nights.
Improper use of your report	UNAUTHORIZED INQUIRY 'S ON CREDIT REPORT
Credit reporting company's investigation	I disputed items with Trans Union on XXXX/XXXX/16 and they have not responded to an inquiries of mine since that time. I am aware that they have 30 days to respond to me per FCRA. They have not sent me anything.
Incorrect information on credit report	I sent a email but have not heard anything back.On my credit score my mother name is on there. How do i deal with that. My full Name is XXXX XXXX XXXX XXXXdob XX/XX/XXXX. That is my mother madien name XXXX ... .she married my father which made her have XXXX XXXX Her middle name is different XXXX. Her dob XX/XX/XXXX.Please let me know how i can fixs this ASAP!!!! Thank you!!!
Problem with a credit reporting company's investigation into an existing problem	Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXX XXXX XXXX XXXX XXXX NC XXXX phone # XXXX
Disclosure verification of debt	Mailed PMAB asking for legal validation and received no response
Disclosure verification of debt	I received a call from a restricted telephone number with the caller identifying themselves as XXXX XXXX. He stated that he was calling about a pending claim with my name and would be showing up at my listed address if I failed to call XXXX with pending claim # XXXX. They did not state what the claim was about or who I was calling at the given number.
Incorrect information on your report	XXXX XXXX XXXX ( a collection agency ) continues to report erroneous information on my credit report. I have made several attempts with the collection agency and the credit reporting bureaus to have this debt validated ( which they did n't ) and removed from my reports but it somehow keep reappearing on XXXX.
Credit card protection / Debt protection	XXXX XXXX credit card last year I had XXXX credit cards XXXX XXXX closed all accounts for fraud XX/XX/2016 account XXXX XXXX say on account Bal. XXXX I went in my my bank account every account is paid thought my bank account this account is not in my account XXXX XXXX is asking for money I do have the card never did.
Advertising and marketing, including promotional offers	I accepted a 0 % balance transfer offer with discover, what they fail to mention is by accepting a balance transfer you LOSE your grace period on any and all purchases, even if you pay them off before the statement even cuts. There was a month I was charged {$2.00} interest and there were XXXX dollars in charges to the account that month. The months prior there were payments within the statement to cover any purchases
Incorrect information on your report	I AM A VICTIM OF IDENTITY FRAUD. I RECENTLY FILED A DISPUTE WITH TRANS UNION A CREDIT REPORT AGENCY. THE REPORT HAS SOME INACCURATE INFO. THE PERSON WHOM THESE ACCTS. BELONG TO LIVES IN XXXX, KANSAS. UNFORTUNATELY THEY ARE USING MY INFO. TO OPEN ACCTS AND OTHER SERVICES. THE ACCTS. IN QUESTION APPEAR AS CHARGED OFF. THEY DO NOT BELONG TO ME. HOPE YOU CAN HELP ME AND OR GIVE ME DIRECTION ON HOW TO GO ABOUT BLOCKING THE USE OF MY SSN. AND OTHER PERSONAL INFO.
Incorrect information on your report	this is a XXXX account i disputed as fraud and had a fraud alert put on my account and it still shows up on my credit report. shows a balance of XXXX its a fraud. thats why i placed a fraud alert.
Incorrect information on credit report	its been XXXX and no answer
Improper use of your report	I never authorized anyone to pull my credit and the inquiries on my three credit report are incorrect inaccurate and want them to be removed from my credit report
Written notification about debt	in the year 2015 of the month of XXXX I was a passenger in a former friends vehicle of mine. The driver feel asleep while driving and crash into cars. When I woke up I was in a hospital bed.
Incorrect information on credit report	Reference : XXXX. XXXX XXXX XXXX XXXX have deny an auto loan based on* Serious delinquency, and public records or collection fileTime since delinquency is to recent or UNKNOWNNumber of accounts with delinquencyLack of recents revolving account informationNumber of recent inquires on credit report. *Credit score XXXX
Took or threatened to take negative or legal action	this is a major second complaint about this plus four co debt collection calling again today, on XX/XX/XXXX2017.They must stop calling we have no debts to anyone they have they credit data mishandled with the wrong info.Waiting for a response from you people to correct this matter.My phone does not have a block system software as of yet! Thanks.Their number is XXXX, plus four inc.
Cont'd attempts collect debt not owed	Macys and Citibank, on behalf of Macys making harassing phone calls after the fraud charges were removed from my account. They neglected to removed the fees and interest charges associated with the fraudulent charges!
Improper contact or sharing of info	I am not sure if this company is legit or not. Could be a scam trying to pry personal information from you for criminal reasons. I do n't owe anyone any money so no reason for a collection agency to contact me that is why I am suspicious. Phone # they contacted me from is XXXX XXXX XXXX XXXX
Incorrect information on credit report	On my credit report it shows I have late payments, when you check those payments you can see they are not late they are on time.
Loan servicing, payments, escrow account	Per letter dated XXXX XXXX, 2016, Mortgage Clearing Corporation would begin servicing my loan 15 days from the date of the letter. I have called multiple times but have still not received a coupon book or monthly statement.
Attempts to collect debt not owed	Im not sure what to say about this one. I have no idea what this is. I thought I knew wat place this was but I dont.
Cont'd attempts collect debt not owed	got a phone call by a " debt collector '' claiming i owed {$370.00} from an unpaid loan that I never made. i requested proof of the debt and was sent the attached handwritten form.
Disclosure verification of debt	In review of my major CRA credit reports, I discovered XXXX XXXX XXXX ) collection accounts claimed by Portfolio Recovery Associates for delinquent credit card debt that should have been expunged from CRA reports no later than last year due to the " 7-1/2 year '' rule. In each instance, the collection agency " re-aged '' the debt to establish a new Date of Delinquency, obviously coinciding with the actual assumption date.
Dealing with my lender or servicer	Sent CEASE AND DESIST letters and reiterated on a taped telephone call demanding ECMC cease and desist. I Filed Chapter XXXX Bankruptcy which has been discharged. ECMC 's representatives harass me on a daily basis. Calling from various numbers multiple times throughout the day, outside collection hours, and they have contacted XXXX parties regarding this issue.
Cont'd attempts collect debt not owed	Enhances recover company XXXX XXXX FL, XXXX Account # XXXX This company has been informed on several occasions that the account that they 're attempting to collect on was included in my bankruptcy. After supplying them with proof of my bankruptcy the collection attempts continues. They are making it very difficult to obtain credit with the inaccurate information they 're reporting to the credit bureaus.
Dealing with your lender or servicer	XX/XX/XXXX-XX/XX/XXXX ( XXXX university ) & XX/XX/XXXX-XX/XX/XXXX ( XXXX University ) Loans have been transferred several times to different servicing company. Loan amount continue to get higher, currently {$150000.00}! Navient processing are the loan services right now and fail to communicate with me in a manner that I understand.
Incorrect information on credit report	I have disputed to Transunion about wrong information in my credit report, But I did n't receive feedback from them
Incorrect information on credit report	Experian refuses to delete an account that was supposed to be deleted in XXXX 2015. I have disputed and provided them their own records and they still wont delete it. Attached is proof from my XXXX report and how the info changed on my XXXX report.
Struggling to repay your loan	I went to college in XXXX for 3 months and was charged over {$15000.00}. I am now XXXX and will neverbe able to work again. {$15000.00} is an extremely HIGH amount to be charged for 3 months especially since I returned absolutely everything to the school when I became XXXX . Please help me.
Incorrect information on credit report	Ex boyfriend used my rewards card and never paid me back.
Incorrect information on your report	I had 3 auto loans with the same company. All loans were paid and closed in XX/XX/XXXX. The date of last action on my credit report should be between XX/XX/XXXX and XX/XX/XXXX however i just got notice from XXXX that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.
False statements or representation	This debt was on behalf of an apartment rental company. Upon dispute, I agreed to pay a option of the amount owed, which is equivalent to what is now in collections. After filing my dispute, I was not contacted again.
Attempts to collect debt not owed	TRANSWORLD SYSTEMS INC. HAS FAILED TO TIMELY VALIDATE THE ALLGED DEBT AS REQUESTED BY MY DEBT VALIDATION LETTER SENT TO THEM OVER 2 MONTHS AGO. BASED ON INFORMATION AND BELIEF, THE ALLGED DEBT IS NOT MIND. THESE PEOPLE CONTINUE TO CONTACT ME AT HOME OVER AND OVER WITHOUT VALIDATION.
Deposits and withdrawals	Us Bank charged me XXXX overdraft fees when my account was not overdrawn they were XXXX .for each one. I want my money back my account was not overdrawn. This happened on XXXX/XXXX/16 and XXXX/XXXX/16. Thank you.
Credit reporting company's investigation	I submitted a request for a Security Freeze because I am a victim of identity theft. I have sent the request twice and they have continued to reject my request and not protect my credit althought I sent police report, drivers license, ss card and proof of address. I sent certified on XXXX XXXX XXXX and XXXX XXXX XXXX. I sent for my wife XXXX also. XXXX have not been responded to. They signed for XXXX letters
Incorrect information on your report	Equifax has my name spelled wrong on their credit reports, everything else is correct but my name is XXXX.

Incorrect information on credit report

TransUnion can not prove this debt is valid with documentation from date of service. These debts have been bought and sold many times now and there is no evidence of origination except for names. Please remove this debt since it can not be validated, as XXXX has already begun to to do. I have no knowledge of this debt. If it can not be proven, I have a legal right to have it removed.

Communication tactics

As of XXXX XXXX/XXXX/16, they have called me 4 times today, twice yesterday, once the day before.

Communication tactics

COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX

Disclosure verification of debt

Collection agency has failed to provide debt verification notice as it was required by FDCPA for me to dispute the debt. I also called to the agency and mailed them to validate the debt.

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 XXXX 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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.

Incorrect information on credit report

XXXX is wrongly reporting late payments on my credit reports for my secured credit card. They should remove the late payments or delete the Account in it 's entirety. Ask Transunion to delete the account asap.

Problem caused by your funds being low

I have been charged several over drafts fees with in the last 3 months the total is XXXX of over drafts fees which is outrageous. 4 of them I will be responsible for. td bank are scammers. its like I was forced to sign up for the overdraft protect plan. because live from check to check and I need to pay my rent and feed my child. how will I be able to provided for my child I will just like my money back from td AND IAM GOING TO CLOSE MY ACCOUNT.

Incorrect information on your report

I mailed XXXX proof that my student loans were not 90 days late as they have reported and they have yet to fix their mistake!

Incorrect information on credit report

I am disputing an account with Experian that is showing as collections with a company I have never done business that does not belong to me. Experian needs to delete it. It is not on my XXXX and XXXX credit reports.

Communication tactics

Continuosly/Repeatedly calling my cell phone at work about a debt I have been paying on. I have asked several times to stop.

Bankruptcy

Synchrony Bank Financial is reported my XXXX XXXX/ XXXX charge-off account to the XXXX credit bureaus as open and currently XXXX payments late and delinquent. This is illegal because i have filed chapter XXXX bankruptcy in 2012 and i have been forgiven of this debt. they way in which they are reporting is affecting my FICO score tremendously, making my bankruptcy irrelevant. They refuse to correct it and delete it and the lying credit bureaus keep verifying it as accurate.

Unable to get credit report/credit score

I requested a copy of my free credit report from the XXXX agencies, I have received reports from XXXX and XXXX but nothing from Equifax. This is not the first time that I have requested my report from Equifax and did not receive it. I am being ignored by this agency.

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

I sent a letter ( attached ) to all three credit bureaus asking them to validate XXXX accounts on my credit report and to correct a duplicate account. 30 days have passed and I have received no communication from any of the credit bureaus to acknowledge my dispute or to show that these accounts were researched and deleted for non-verification within the 30 day timeframe.

Other

recently sent letter to Synchrony Bank , XXXX XXXX, requesting evidence, bearing my signature, that the account was reported accurately. further they failed to place disputed on my credit reports within 30 days as required by FCRA 623 ( a ) and FDCPA 807 ( 8 ).

Communication tactics

Emails me multiple times a week about the {$670.00} I owe them. I understand that I owe them but sending me emails all the time does n't help.

Unable to get your credit report or credit score

I have called Equifax 5 times each time they verify my identity then transfer to another dept and no one can unlock my credit report they lie verify transfer me escalate the calls I have never been treated so horrible each time I call it 's between 1 and 3 hours they are rude and no one knows what to do i ca n't apply for credit and no one will help incompetent employees who will not help

Charged fees or interest you didn't expect

Before I met and married my husband in XXXX . He had a reserve line with UsBank. When he passed away XXXX XXXX I took his name off the account. I called the bank to tell them he had passed and I did not even know him when he got the reserve line. But they told me I was responsible for it because my name was on the account. The following month they took double the amount. Now I 'm afraid if I ask about it they will take more.

Incorrect information on your report

XXXX XXXX and Equifax continue to publish a collections in my name. Experience deleted the inaccuracy due to identity theft. I wrote to XXXX XXXX and XXXX XXXX and they have not blocked it from my report. I 'm a victim of fraud and have had great difficulty obtaining credit as a result.

Struggling to pay your loan

Borrowed XXXX ... the payment is {$270.00} every two weeks. I am unable to sustain this and I believe the interest rates charged are illegal.

Incorrect information on your report

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

Incorrect information on your report

This address is listed on my credit report. I have never lived in the state of Texas. XXXX XXXX XXXX XXXX XXXX TEXAS XXXX

Cont'd attempts collect debt not owed

Northest Collections Agency XXXX. They have the wrong phone number, I have repeatedly asked them " nicely '' to stop calling to no avail.

Attempts to collect debt not owed

MCM bought in XXXX XXXX an Identity Theft debt from XXXX XXXX which was disputed in XXXX , XXXX had already removed it from CRA and then started to report it again. I have disputed the account through MCM but they have not yet mailed me the requested documents. XXXX says the account belongs to MCM, I am a victim of Identity Theft, this debt is not mine. I have provided a FTC Identity Theft Report.

Incorrect information on your report

this XXXX CARD Account Number XXXX Account Type Credit Card was paid in full

Unable to get your credit report or credit score

XXXX did not give me results online as indicated it would. Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year. The contact form just accepts a comment, does n't take your phone number or email address for resolution.

Credit determination

I. Did not request or authorize chase card to make any inquiries on my credit reports

Problem adding money

I made 2 deposits into my accoount. The first was {$5000.00} and 2nd was {$25000.00}. The deposits were pending but never credited to my account. Coinbase does not respond to any emails or customer support on social media. They have effectively stolen {$30000.00} from me.

Deposits and withdrawals

I made a deposit of {$15000.00} on XXXX/XXXX/2016. Wells Fargo has placed a hold releasing {$200.00} XXXX/XXXX/2016, {$4800.00} XXXX/XXXX/2016 and {$10000.00} XXXX/XXXX/2016. Since the deposit is presented during the mid-night processing of XXXX/XXXX/2016 and the funds are received by Wells at that time Wells is using my money without my authorization or paying interest during the hold time.

Improper use of your report

Unaware accounts and inquiries on my credit account which I have no clue where they came from. I have n't used my credit account in over 20 years. I have attached the accounts down below. The inquiries are fraudulent. If the inquiries are n't removed I will be taking legal actions against all person liable for this.

Credit determination

I applied for a credit card from Bank of America and they denied me credit saying that I have a past due account with them and XXXX of their associate companies when I do n't have any account with them and do n't have any past due accounts at all. All of my credit accounts are current and never have been past due.

Improper use of your report

The Equifax Data breach has made my personal information susceptible to identify theft and credit fraud. Equifax did not the take the necessary steps to protect my personal information.

Unable to get credit report/credit score

I have contacted the company for a copy of my credit report both by phone and online, I still have not received it

Incorrect information on your report

This XXXX loan was paid in full and still showing a balance of {$1300.00} in my credit report!!!!!

Improper contact or sharing of info

XXXX XXXX called from LLC and disclosed information to my employer.She told the receptionist that they would be serving me paperwork and that I would need to be present with XXXX forms of ID and my Manager would also need to be present as a witness.

Incorrect information on credit report

a company called XXXX XXXX XXXX made a hard inquiry on my credit report on XX/XX/2015 i never had any dealings with this company for any type of reason i never applied for credit, employment from them, i firmly believe this company is the same one i had previous trouble with XX/XX/2015 just a different name

Other service issues

I purchased a money order from Western Union in XXXX XXXX # XXXX. The money order was never used and is still complete and unsigned. The money order number is XXXX and I do n't have the purchase date. The amount of the money order is XXXX ( XXXX Dollars ) but Western Union Services says they will only cash the money order back in for XXXX ( XXXX Dollars ). I feel this is illegal as the original amount spent on this money order was XXXX ( XXXX Dollars ).

Incorrect information on credit report

I filed a joint bankruptcy XX/XX/XXXX chapter XXXX and there are items still reporting as being opened as of XX/XX/XXXX There is an item marked medical that was possibly included in the Bankruptcy for {$3900.00} or is incorrect all together that should not be marked as an open account. it should not be there. and the are a lot of XXXX money bank /XXXX/ that are still showing as open accounts

Incorrect information on your report

Hello, my name is XXXX XXXX. I am sending this message in regards to the accounts & inquiries you are reporting inaccurately on my credit file. I am unaware of the accounts and it should be removed immediately. Please check the attachment section for a letter pertaining to unverified inquiries & accounts.

Billing disputes

In each of the last XXXX statement cycles payment in full was mailed ( usps ) on XX/XX/XXXX anddue on XX/XX/XXXX. Yet the payments were, in each case held until XX/XX/XXXX thus incurring {$27.00} late fee. This is American Express and is common thievery. I know I have fewoptions. Please use caution dealing with AMX, ethics are not featured.

Problem caused by your funds being low

When I initially opened my account with Santander they persuaded me into opt in to over-draft protection, me not knowing then this was a way for them to make money. The first time this occurred for me going over XXXX and they charged me XXXX. I opted out .... today they have not removed this feature and recently I accumulated some fees because of things that came out of my account and my balance reflecting the wrong availability ... ..

Improper use of your report

UNAUTHORIZED INQUIRY 'S ON CREDIT REPORT

Incorrect information on credit report

I 've tried to navigate equifaxes dispute form to no avail it does not show the items I want to dispute. I have paid XXXX out of XXXX of those depts and the other I have no idea where it 's from.

Incorrect information on credit report

XXXX XXXX XXXX XXXX is being reported on my ExperianXXXX credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all XXXX credit resort which hant been done. I payed this item in full on XX/XX/2015.

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

I wrote into all three credit reporting agencies asking them to have the companies Wells Fargo XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX on all three ) validate my debt and send me copies of all documents with my signatures validating this account. This was not done. XXXX XXXX has also reaged my account which by law isnt allowed. These items need to be deleted if validation can not be given.

Incorrect information on credit report

In XXXX of 2006 XXXX called me in regards to changing my address to XXXX XXXX XXXX XXXX XXXX, IL XXXX. I told XXXX I 've never been to IL so they canceled my card and issued a new card. This address continues to show up on my credit report?? I 've never been to IL and want this address removed because it was a fraudulent address and I 've never lived their. This fraud accorded on or around XXXX/XXXX/06.

Incorrect information on your report

You have reported wrong information in my report " XXXX Account # XXXX XXXX XXXX Account # XXXX '' XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX ''

Incorrect information on credit report

Inquires were removed and re added without notice or reasoning XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX

Managing an account

My bank is n't reporting the transactions and funds available to my third party banking app XXXX . I am requesting there be a change as it affects my ability to transfer.

Incorrect information on your report

I received a copy of my Employment Date Report and on the report it stated that I had been an employee of XXXX XXXX, XXXX in XXXX, PA in 2013. I am from XXXX, CA and was attending XXXX XXXX University, XXXX during that time. I have never lived nor worked in Philadelphia.

Cont'd attempts collect debt not owed

I sold a car that was later impounded from the new owner. The tow bill has been reported to my credit.Since I realize the negative item on my report I contacted XXXX XXXX and the reporting agency. I 've forward the name and address of the new owner to XXXX towing and they simply refer me to Dataline CR, the company they sold the debt to. Dataline CR does n't want to hear anything I have to say and keeps referring me to XXXX 's towing

Account opening, closing, or management

Bank of America ( XXXX ) will not close the claim from 2012, they have also duplicated the claim which is causing me not to be able to get home owners insurance anywhere else at an affordable price. I have spoke to numerous of agents with XXXX and told that it has been taken care of and when I try to get insurance from another carrier the claim information from 2012 is still showing.

Disclosure verification of debt

I was never informed of the existence of this account. The original debt is not in my name. I never authorized this. It was a medical bill for my daughter. My wife is the insurance carrier. I never agreed to any payment and I never was aware of this at all. Somehow this collections account ended up on my credit report. It has since been paid in full.

Cont'd attempts collect debt not owed

The offices of Berlin-Wheeler ( XXXX XXXX, XXXX, KS XXXX XXXX ) have been harassing me about a debt from a cable company ( XXXX XXXX ) that I last paid on in XXXX XXXX. Pursuant to Kansas law 60-511, the statute of limitations expired in XXXX XXXX.

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

Ocwen Loan Servicing is reporting on my credit report a late payment in XXXX of 2016 and failed to fix the problem I attached a letter from Ocwen verifying and confirming the error but they still failed to address error

Communication tactics

Letter sent to me pertaining to my DEAD husband 's account. My husband died on XX/XX/XXXX ( almost 25 yrs. ago ). I believe the account was paid off, but I might be wrong. But I do believe there is a statue of limitations with debt collections. I would consider 25 yrs. within that limit. Also, it was sent to my current address that has never been associated with my dead husband at all. I am not listed on this account at all.

Disclosure verification of debt

An apartment complex has submitted communication to a collection agency that i vacated the rental property without notice and they also are looking to collect damages. I vacated the property in XX/XX/XXXX with an inspection report and a " ok '' from management. XX/XX/XXXX it hits my inspection report and I realize the debt as I was trying to finance a car. Does 5 years break the statue of limitations even if the charges were legitimate?

Improper use of your report

Bank Of America Had Given Me Inquiries Reported To XXXX That Were Not Authorized By Me. On The Following Dates -- -- > XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,

Improper contact or sharing of info

They called my cell phone XXXX XX/XX/2016, looking for someone else. I pay per minute. I had to call them back, muddle through a computerized recording, and ask them to stop calling because it is a work phone. They promised to stop calling but did not. I received another call XX/XX/2016.

Managing the loan or lease

I have asked XXXX to stop calling me from a local phone number. They insisted that it is not them. I have voice messages from them linked to the number. When I call the number it is an actual person 's phone number and she has had the phone number for over 10 years. My payment isnt due until XXXX, and they have been harrassing me all week.

Cont'd attempts collect debt not owed

Kohls company will call XXXX times a day, will not leave a message, and is at all hours of the day. I set up a payment to be automatically taken from my account on a specific day. That day I looked in my account and saw it was pending. Kohls company called me XXXX times even though I had made the payment. They need a better system.

Account opening, closing, or management

Citi credit card closed XXXX of my accounts for " excessive '' adding and deleting of users on my account. I am in right standing with the company and I have a credit score of XXXX. I did break any rules or laws.

Attempts to collect debt not owed

I believe someone tried getting a loan under my name.

Unauthorized transactions/trans. issues

I received a prepaid American express serve that I did not purchase or apply for. whomever did had all of my personal information. when I contacted amex serve they seemed to be protecting the criminal and were not helpful at all. I requested account closed immediately.

Cont'd attempts collect debt not owed

This bill was paid by my insurance two year ago 2014, company try to double dip on invoice paid by my insurance and send bill to collection. I refused to paid any XXXX especially when bill already paid. Need this collection agency to stop harassing me on the phone and by mail. I am on " Do Not Call '' list and there calling me any hours of the days and nights.

Improper use of your report

UNAUTHORIZED INQUIRY 'S ON CREDIT REPORT

Credit reporting company's investigation

I disputed items with Trans Union on XXXX/XXXX/16 and they have not responded to an inquiries of mine since that time. I am aware that they have 30 days to respond to me per FCRA. They have not sent me anything.

Incorrect information on credit report

I sent a email but have not heard anything back.On my credit score my mother name is on there. How do i deal with that. My full Name is XXXX XXXX XXXX XXXXdob XX/XX/XXXX. That is my mother madien name XXXX ... .she married my father which made her have XXXX XXXX Her middle name is different XXXX. Her dob XX/XX/XXXX.Please let me know how i can fixs this ASAP!!!! Thank you!!!

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

Hello The company XXXX XXXX XXXX is claiming falsely that I have a collection account in the amount XXXX account # XXXX XXXX XXXX XXXX XXXX NC XXXX phone # XXXX

Disclosure verification of debt

Mailed PMAB asking for legal validation and received no response

Disclosure verification of debt

I received a call from a restricted telephone number with the caller identifying themselves as XXXX XXXX. He stated that he was calling about a pending claim with my name and would be showing up at my listed address if I failed to call XXXX with pending claim # XXXX. They did not state what the claim was about or who I was calling at the given number.

Incorrect information on your report

XXXX XXXX XXXX ( a collection agency ) continues to report erroneous information on my credit report. I have made several attempts with the collection agency and the credit reporting bureaus to have this debt validated ( which they did n't ) and removed from my reports but it somehow keep reappearing on XXXX.

Credit card protection / Debt protection

XXXX XXXX credit card last year I had XXXX credit cards XXXX XXXX closed all accounts for fraud XX/XX/2016 account XXXX XXXX say on account Bal. XXXX I went in my my bank account every account is paid thought my bank account this account is not in my account XXXX XXXX is asking for money I do have the card never did.

Advertising and marketing, including promotional offers

I accepted a 0 % balance transfer offer with discover, what they fail to mention is by accepting a balance transfer you LOSE your grace period on any and all purchases, even if you pay them off before the statement even cuts. There was a month I was charged {$2.00} interest and there were XXXX dollars in charges to the account that month. The months prior there were payments within the statement to cover any purchases

Incorrect information on your report

I AM A VICTIM OF IDENTITY FRAUD. I RECENTLY FILED A DISPUTE WITH TRANS UNION A CREDIT REPORT AGENCY. THE REPORT HAS SOME INACCURATE INFO. THE PERSON WHOM THESE ACCTS. BELONG TO LIVES IN XXXX, KANSAS. UNFORTUNATELY THEY ARE USING MY INFO. TO OPEN ACCTS AND OTHER SERVICES. THE ACCTS. IN QUESTION APPEAR AS CHARGED OFF. THEY DO NOT BELONG TO ME. HOPE YOU CAN HELP ME AND OR GIVE ME DIRECTION ON HOW TO GO ABOUT BLOCKING THE USE OF MY SSN. AND OTHER PERSONAL INFO.

Incorrect information on your report

this is a XXXX account i disputed as fraud and had a fraud alert put on my account and it still shows up on my credit report. shows a balance of XXXX its a fraud. thats why i placed a fraud alert.

Incorrect information on credit report

its been XXXX and no answer

Improper use of your report

I never authorized anyone to pull my credit and the inquiries on my three credit report are incorrect inaccurate and want them to be removed from my credit report

Written notification about debt

in the year 2015 of the month of XXXX I was a passenger in a former friends vehicle of mine. The driver feel asleep while driving and crash into cars. When I woke up I was in a hospital bed.

Incorrect information on credit report

Reference : XXXX. XXXX XXXX XXXX XXXX have deny an auto loan based on* Serious delinquency, and public records or collection file*Time since delinquency is to recent or UNKNOWN*Number of accounts with delinquency*Lack of recents revolving account information*Number of recent inquires on credit report. *Credit score XXXX

Took or threatened to take negative or legal action

this is a major second complaint about this plus four co debt collection calling again today, on XX/XX/XXXX2017.They must stop calling we have no debts to anyone they have they credit data mishandled with the wrong info.Waiting for a response from you people to correct this matter.My phone does not have a block system software as of yet! Thanks.Their number is XXXX, plus four inc.

Cont'd attempts collect debt not owed

Macys and Citibank, on behalf of Macys making harassing phone calls after the fraud charges were removed from my account. They neglected to removed the fees and interest charges associated with the fraudulent charges!

Improper contact or sharing of info

I am not sure if this company is legit or not. Could be a scam trying to pry personal information from you for criminal reasons. I do n't owe anyone any money so no reason for a collection agency to contact me that is why I am suspicious. Phone # they contacted me from is XXXX XXXX XXXX XXXX

Incorrect information on credit report

On my credit report it shows I have late payments, when you check those payments you can see they are not late they are on time.

Loan servicing, payments, escrow account

Per letter dated XXXX XXXX, 2016, Mortgage Clearing Corporation would begin servicing my loan 15 days from the date of the letter. I have called multiple times but have still not received a coupon book or monthly statement.

Attempts to collect debt not owed

Im not sure what to say about this one. I have no idea what this is. I thought I knew wat place this was but I dont.

Cont'd attempts collect debt not owed

got a phone call by a " debt collector '' claiming i owed {$370.00} from an unpaid loan that I never made. i requested proof of the debt and was sent the attached handwritten form.

Disclosure verification of debt

In review of my major CRA credit reports, I discovered XXXX XXXX XXXX ) collection accounts claimed by Portfolio Recovery Associates for delinquent credit card debt that should have been expunged from CRA reports no later than last year due to the " 7-1/2 year '' rule. In each instance, the collection agency " re-aged '' the debt to establish a new Date of Delinquency, obviously coinciding with the actual assumption date.

Dealing with my lender or servicer

Sent CEASE AND DESIST letters and reiterated on a taped telephone call demanding ECMC cease and desist. I Filed Chapter XXXX Bankruptcy which has been discharged. ECMC 's representatives harass me on a daily basis. Calling from various numbers multiple times throughout the day, outside collection hours, and they have contacted XXXX parties regarding this issue.

Cont'd attempts collect debt not owed

Enhances recover company XXXX XXXX FL, XXXX Account # XXXX This company has been informed on several occasions that the account that they 're attempting to collect on was included in my bankruptcy. After supplying them with proof of my bankruptcy the collection attempts continues. They are making it very difficult to obtain credit with the inaccurate information they 're reporting to the credit bureaus.

Dealing with your lender or servicer

XX/XX/XXXX-XX/XX/XXXX ( XXXX university ) & XX/XX/XXXX-XX/XX/XXXX ( XXXX University ) Loans have been transferred several times to different servicing company. Loan amount continue to get higher, currently {$150000.00}! Navient processing are the loan services right now and fail to communicate with me in a manner that I understand.

Incorrect information on credit report

I have disputed to Transunion about wrong information in my credit report, But I did n't receive feedback from them

Incorrect information on credit report

Experian refuses to delete an account that was supposed to be deleted in XXXX 2015. I have disputed and provided them their own records and they still wont delete it. Attached is proof from my XXXX report and how the info changed on my XXXX report.

Struggling to repay your loan

I went to college in XXXX for 3 months and was charged over {$15000.00}. I am now XXXX and will neverbe able to work again. {$15000.00} is an extremely HIGH amount to be charged for 3 months especially since I returned absolutely everything to the school when I became XXXX . Please help me.

Incorrect information on credit report

Ex boyfriend used my rewards card and never paid me back.

Incorrect information on your report

I had 3 auto loans with the same company. All loans were paid and closed in XX/XX/XXXX. The date of last action on my credit report should be between XX/XX/XXXX and XX/XX/XXXX however i just got notice from XXXX that there was a new late pay from this company. This is impossible since the only loans i had from this company have been paid and closed.

False statements or representation

This debt was on behalf of an apartment rental company. Upon dispute, I agreed to pay a option of the amount owed, which is equivalent to what is now in collections. After filing my dispute, I was not contacted again.

Attempts to collect debt not owed

TRANSWORLD SYSTEMS INC. HAS FAILED TO TIMELY VALIDATE THE ALLGED DEBT AS REQUESTED BY MY DEBT VALIDATION LETTER SENT TO THEM OVER 2 MONTHS AGO. BASED ON INFORMATION AND BELIEF, THE ALLGED DEBT IS NOT MIND. THESE PEOPLE CONTINUE TO CONTACT ME AT HOME OVER AND OVER WITHOUT VALIDATION.

Deposits and withdrawals

Us Bank charged me XXXX overdraft fees when my account was not overdrawn they were XXXX .for each one. I want my money back my account was not overdrawn. This happened on XXXX/XXXX/16 and XXXX/XXXX/16. Thank you.

Credit reporting company's investigation

I submitted a request for a Security Freeze because I am a victim of identity theft. I have sent the request twice and they have continued to reject my request and not protect my credit althought I sent police report, drivers license, ss card and proof of address. I sent certified on XXXX XXXX XXXX and XXXX XXXX XXXX. I sent for my wife XXXX also. XXXX have not been responded to. They signed for XXXX letters

Incorrect information on your report

Equifax has my name spelled wrong on their credit reports, everything else is correct but my name is XXXX.