determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Problem with a credit reporting company's investigation into an existing problem	I am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 days.
Written notification about debt	COLLECTOR WENT ON MY CREDIT REPORT WITHOUT FURNISH 30 DAY NOTICE AND IS A INVALIDATED DEBT INQUIRY OM MY XXXX . FAILED TO CEASE AND DESIST.
Attempts to collect debt not owed	I made an settlement in exchange they will remove the negative item from my credit report. I paid the settlement and the comment is still there They did not follow the agreed agreement.
False statements or representation	I have a account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX ( XXXX ) XXXX. Opened : XXXX 2015 amount due {$160.00}. The collection company is reporting a debit that went into collection three years ago, and for the pass three years they have changed the Open date. Which is inaccurate, the company is in violation for re-aging the account being that I have not made any contact with them in order to make a payment.
Attempts to collect debt not owed	Hello, I got a copy of my credit report showing a collections with this company, XXXX XXXX XXXX in the amount of {$210.00}. I sent out a validation letter to this company on XXXX requesting validation as it falls under the FCRA. ( validation is a lease or contract signed by me ) I have yet to receive any of this. I'm now requesting you step in and demand this and if they can not provide it. Please delete from my credit report.
Incorrect information on your report	I closed the XXXX XXXX credit card account.
Incorrect information on credit report	I need to know why my trans Union score keeps going down I have been faithfully paying on time I may have missed XXXX purchased furniture but my credit was up and i need an explanation
Improper use of your report	Equifax divulged an immense amount of personal info due to a cyber attack. I am one of the people affected. Their resolution was to provide a year of credit monitoring. I do n't believe that 's fair.
Incorrect information on your report	XXXX and Experian removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on credit report.
Account opening, closing, or management	well fargo bank is closing down town XXXX branch. they sent letter that I had to close my safe deposit box, which I did. they failed to issue me pro-rated refund at time of closing and play ed dumb when I asked manager to m ail me a refund check that is due to me. XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , fl XXXX XXXX
Dealing with my lender or servicer	I was trying to get a loan forgiveness for my student loan which the school closed and the rep said I couldnt. He did n't even ask what I was talking about he just said he ca n't help. I went to XXXX and I was asking about that loan. And the guy kept saying there 's nothing he can do. This is really hurting my credit.
Cont'd attempts collect debt not owed	I am being contacted about a magazine subscription which I did not order.
Attempts to collect debt not owed	Credit was submitted to my score damaging it, I have never had an account with XXXX or XXXX, I called the collector last week and they irresponsibly could not identify the information, the user who stole my identity does not have SSN in their records. But they erroneously assigned the debt to my account, without having correct information. My identity is being used by mistake affecting my amazing score.
Incorrect information on credit report	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account # XXXX no contract or no signature
Communication tactics	Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.
Dealing with my lender or servicer	While still in school I was given the option to put my loan in forbearance by XXXX. I was not told that interest would accrue. No one explained the implications to me.
Communication tactics	XXXX from Account Control Technology has contacted me several times at my place of employment. I can not have calls from outside of the company for personal use. She left a message with our XXXX to call her back at XXXX ext XXXX.
Cont'd attempts collect debt not owed	someone has stolen my identity and opened up this fraudulent account with your company and you have still tried to collect on it and report to the credit bureaus ... this account is totally fraudulent and needs to be handled immediately
Took or threatened to take negative or legal action	Professional Debt Mediation has sent me a notice to collect a debt in the amount of {$4700.00}. This collection agency is not licensed for business in Florida, nor are they registered with the Florida Secretary of State ; therefore can not attempt to collect any debt in Florida. Please remove this account from my credit reports immediately. ''
Struggling to pay your loan	Today XX/X/17 they called me then called my sister saying they have issued an arrest warrant for me cause payment bounced and it 's been months
Incorrect information on your report	Wrong address on credit report. I have never lived in XXXX XXXX, KY.
Incorrect information on credit report	Credit bureau is reporting inaccurate information I have not entered into a contract with the accounts listed. XXXX acct # XXXX XXXX acc # XXXX
Problem with a credit reporting company's investigation into an existing problem	I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.
Incorrect information on your report	After reviewing my credit report I see that GM Financial has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.
Credit reporting company's investigation	my information was used to purchase phones and a contract with my old address
Communication tactics	I received a phone call from Dynamic Recovery Solutions at XXXX. After calling me, they called my mother in another state. They told my mother should can pay the debt for me. No debt exists. All debts I owe have been paid.
Arbitration	I have an American Eagle credit card. I have been locked out online. I ca n't get in touch with a person to help me. I know I owe something but I ca n't verify the charges to pay. I called the woman who spoke with me kept interrupting me and hung up on me. I have not gotten anything in the mail. I have not received anything. I do n't know what 's going on. No mail, no calls, no email. I need to speak to someone to find out what is going on.
Problem getting a card or closing an account	lost job an try to bounce back on my feet. my lawery suggested me to this site BKPT CT IL XXXX XX/XX/XXXX Type Bankruptcy chapter XXXX-dismissed Reference XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$380.00} XXXX XXXX XXXX opend XX/XX/XXXX {$13000.00}
Loan servicing, payments, escrow account	My office represented the borrower in a foreclosure case in XXXX Supreme Court. The matter was settled with a loan modification and the foreclosure case was dismissed. Even though my office no longer represents the borrower, because the underlying foreclosure case has been dismissed, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.
Communication tactics	they are using different fake phone numbers. they call and hang up only when i call back do they identify themselves
Cont'd attempts collect debt not owed	I HAVE SUBMITTED COMPLAINTS TO XXXX OF UPSTATE NY CONCERNING THE BAD BUSINESS PRACTICES OF XXXX. THEY HAVE NOT SENT ANY DISCLOSURE CONCERNING A DEBT I DO NOT OWE AND HAVE NOT EXPLAINED WHY THIS COLLECTION AGENCY XXXX XXXX. ARE REPORTING FALSE INFORMATION ON MY CREDIT FILE CAUSING ME FINANCIAL HARM.
Cont'd attempts collect debt not owed	On XX/XX/XXXX I sent Optimum Outcomes a certified letter asking for proof of a debt they allege I owe. Furthermore, they have placed this against my credit with Equifax. They were given XXXX days to respond via mail and I have still not received the requested documentation I 'm allowed by law.
Written notification about debt	Received calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. I never received any written notification. They did not provide any validation or verifying information. I do not have any debts in collections. It 's harassment and a violation of the FDCP to call someone who does n't have a debt in collection. Moreover, it 's harassment and a violation of FDCP to not provide written notification or validation.
Trouble using the card	XX/XX/2018 XXXX XXXX XXXX XXXX I have a gift card that was supposed to be XXXX dollars but it says that XXXX dollars only has a balance XXXX cents.
Cont'd attempts collect debt not owed	RGS Financial are calling me nonstop to collect on a debt that i do not recall having with this company.I demand that they cease and desist all attempts to collect the debt.
Can't repay my loan	I pay XXXX per month for my loans. I can not afford this. The lender initially helped with income repayment and will no longer assist what so ever.
Fraud or scam	Citibank XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wire transfer for {$5000.00} on XXXX/XXXX/XXXX. I have tried contacting this man, I have contacted the police in XXXX XXXX, CA and no such person exists according to their records. He has presented a fraudulent identity and needs to stop. I have mailed him through regular mail and also registered mail and it gets returned. I want his bank account frozen and my money returned. He 's a thief.
Improper use of your report	There was a massive data breach with Equifax, and I checked their site and I was told that my personal data may have been compromised. I 'm unsure of the date of the breach, but I first became aware of it on Friday, XXXX XXXX 2017. I placed a 90 day fraud detection alert on my account with the three major companies. I also got a free credit report from XXXX. Filing this complaint is the last step I plan to take at the moment.
Cont'd attempts collect debt not owed	Yes, the credit dept say the company ask them to keep the fraud on my report in have me company them i have contact them a number of times in this has n't not been remove from my credit file which makes this more outrageous is i have been on XXXX since i was born in XXXX and XXXX both pay all my health care bills on by somebody use my name in a fraud this bill was n't pay for but the collection agent trying force me to pay something that was n't done by me.
Communication tactics	Called the company trying to negotiate a payment plan/lower bill. After speaking to the person from the company I was told I needed to pay XXXX dollars a month. I responded with " I am not able to pay that, I have XXXX kids. '' After a lot of bickering from the representative I was then told that " you are now on a list of people who refuse to pay their debts '' and was immediately hung up on.
Dealing with my lender or servicer	I believe that I am being charged an incorrect interest rate. My loan provider Navient ( originally XXXX XXXX ) has refused to provide me with a full copy of the promissory note despite repeated requests both written and telephonic.
Money was not available when promised	A Western Union money transfer was blocked to recepient. Dollar amount of XXXX has not been credited to senders account.
Loan servicing, payments, escrow account	I have not heard from my mortgage company regarding a short sale on my home
Cont'd attempts collect debt not owed	This is a landlord/tenant dispute. The landlord is claiming damages that we are not responsible for. We have submitted a letter to the landlord and collection agency that states this is disputed debt. Therefore can not be collected upon until dispute between landlord and tenant is resolved. We have received a summons to appear in court demanding payment on these disputed charges from the collection agency.
Cont'd attempts collect debt not owed	This debt was not validated and the collection agency removed it from my report and later reinserted the item in my report without contacting me first violating my rights under FCRA
Communication tactics	IC Systems have been calling up to 4-5 times a day from various different numbers with the XXXX area code. It is very annoying and way too many times to call. They have n't left a voice message therefore I could n't call them back with knowledge of what exactly they are calling about. I want them to stop calling because the debt they are calling about is n't even current or correct.
Problem with a credit reporting company's investigation into an existing problem	I have disputed acct XXXX for credit bureau associates and requested they validate the debt by sending copies of the documents they have in their files that were use to validate this debt not simply responding with *verified yet they keep reporting it on my credit report i know it will automatically fall off on XX/XX/XXXX but this does not belong to me
Attempts to collect debt not owed	TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM XXXX AND XXXX. I HAVE DISPUTED THIS ISSUE NUMEROUS TIMES WITH COMPANY AND STILL HAVING NO LUCK. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THIS COMPANY. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.
Incorrect information on your report	XXXX and Transunion are reporting tax liens on my credit report the liens are incorrect and I have no outstanding liability or overdue taxes with the state of Georgia.TYPE Tax lien COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX , XXXX AMOUNT {$1900.00} PLAINTIFF XXXX ACCOUNT HOLDER Individual COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX , XXXX AMOUNT {$4500.00}
False statements or representation	Fail to report the debt correctly to the credit bureau. They are reporting the item to all XXXX credit bureaus incorrectly and this is causing me to not obtain a mortgage. They reported to the credit agency 's on XXXX that it is an installment loan, another states that its closed, and the other open with the incorrect balance. The other issue is that I had autopayments setup with this company and they take the first payment then cancel the autopayment.
Credit monitoring or identity protection	in 2011 I opened a trial account for {$1.00} with Experian - Acct # XXXX XXXX XXXX I have been billed XXXX since then. I have never used the account. I had no idea I was being charged. They refused to refund anything more than the last month. This is fraud,
Incorrect information on credit report	Equifax states that its mines without showing proof. I told them and wrote several letters to remove it but sometimes they do n't even write back or update my credit
Delinquent account	Chase charged off my account with them in XXXX. I have received numerous collection letters from different collection agencies since then. The have reported the account 90 days past due each and every month even after they charged if off continuing to hurt my credit. I paid the account in full XXXX. They say it was an accurate account history of 90 days late each month although they sold the account to a collections agency and it was charged off.
Incorrect information on credit report	Creditor XXXX. I never have XXXX as servicer, always have XXXX for several years. Never lived in XXXX, Florida. Never received any statement from XXXX just found through credit report that it 's for collection already. Hoping for your immediate follow up regarding this matter.
Incorrect information on your report	XXXX XXXX XXXX, is also reporting multiple loans as XXXX XXXX past due and these loans are older than XXXX years. At no time, have I ever had any written correspondence XXXX XXXX XXXX.
Cont'd attempts collect debt not owed	Balance paid in full XX/XX/2014 through XXXX XXXX XXXX. I also filed disputes with all XXXX credit reporting agencies.
Dealing with my lender or servicer	FedLoan Servicing will not allow borrowers to specify handling of over-payments, i.e., refuses to apply over-payments to principal, instead insisting on applying them to interest to prevent the borrower from paying off their loan more quickly/efficiently.
Incorrect information on credit report	Trans Union does not want to respond to my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.
Disclosure verification of debt	GC Services is not correctly reporting that I am paying them in XXXX or XXXX
Deposits and withdrawals	They cashed a check and did not inform me of the possibilty of a hold. Two days later there is hold on the check. They send me an email two days later. In the age of instant communications and digital electronic check clearing that takes microseconds, they send an email two days later. That causes a negative balance and overdraft fees.
Disclosure verification of debt	I went on XXXX this morning and there was a change to my account that XXXX XXXX had sold an account to Falls Collection. I have been disputing the validity of the debt with wisconsion energy, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT.
Incorrect information on your report	I received a letter from XXXX XXXX, ( Furnisher ), stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, ( FCRA 623 ( b ) ( 1 ), this item must be deleted from my file.
Cont'd attempts collect debt not owed	We have received phone calls on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 from this company and I continue to call them right back to have our numbers removed from their system. They continue to tell us it will be done and they continue to call the next day.
Attempts to collect debt not owed	sold off and no contract
Closing/Cancelling account	I had paid my credit card balance in full and closed the account since I did not find the results of complaint case number XXXX did not adequately resolve my complaint. They have shown for 2 consecutive months that I am over my limit and do not show that I have paid the account balance in full nor closed with positive satisfaction my CC account.
Problem with fraud alerts or security freezes	The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!
Improper contact or sharing of info	Some of the collections our from XX/XX/XXXX to XX/XX/XXXX they have had a charge off from the original. And I have been called for years from other debit collectors.
Cont'd attempts collect debt not owed	This is a medical bill that shows on my credit report as an open account in collections. I put this on my Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This should not be showing in collections.
Cont'd attempts collect debt not owed	I get calls for a XXXX XXXX and that 's not me. I have told them numerous time but they continue to call. The calls start at XXXX and continue through out the day.
Problem with a credit reporting company's investigation into an existing problem	Since I have disputed all of and any payments, agreements, wet ink signature, balances and debts of false info no response of lawful investigation. Also There is recorded conversation call that supports the no lawful proof of verification claim by the Equifax rep. Account # XXXX , XXXX XXXX XXXX Dates provided upon request my phone number and Email listed.
Loan servicing, payments, escrow account	The Nationstar 'Mortgage Loan Statement ' itemizes XXXX late fee in the amount of {$27.00}. However, {$54.00} was added to the amount due, despite the fact that the payment was sent in before the specified date. I can find no explanation for the amount billed. Previous correspondence with Nationstar Morgage results in long delays in replies with no satisfaction.
Written notification about debt	According to Arizona Department of Financial Institutions, XXXX XXXX XXXX XXXXXXXX does not have a valid license to collect in the state of Arizona. I am disputing these accounts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX XXXXXXXX is allowed to collect debts in Arizona.
Improper contact or sharing of info	I made a good faith attempt to pay this debit, but they deliberately black list me, so now I am homeless and have to depend on living with relatives because I can not rent a place of my own. The debit keeps increasing, the ownership has changed hands and I am still a XXXX XXXX XXXX XXXX woman without my own place to live because the information sharing of this company. The XXXX XXXX owners kept my security deposit as well, so this debit is truly not owed.
Attempts to collect debt not owed	Received a notice of debt collection by a company named ARA Inc in the amount of {$2800.00} owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.
Unable to get credit report/credit score	I tried to get my free Equifax credit report online. While going through their process, the application timed out and they are now demanding that I mail information to them with my ODL and social security number.
Problem when making payments	After I opened the account in XXXX, I relocated to XXXX where they DO NOT have a payment in this state. I relayed my concerns and difficulty to the main office but they were not able to help me.
Improper contact or sharing of info	This company is calling for a family member. I told them our number is not that person 's number and to take our phone number from their calling list. Still getting calls from United Recovery. LogUnited Recovery XXXX XXXX XX/XX/2015United Recovery XXXX XXXX XXXX/XXXX/2015 at XXXX
Problem with a credit reporting company's investigation into an existing problem	I disputed with XXXX, Equifax & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.
Incorrect information on credit report	Wrong employer on Transunion Credit Report. My current employer is XXXX XXXX XXXX. They have wrong employer information.
Dealing with my lender or servicer	I recieved a loan for XXXX education to do personal trainng which I finished and passed the test. Everywhere I have gone no gym has heard of them and will not even accept me as an intern. They say they are not accredited. I feel like I was ripped off and am very dissapointed in the way they got me to agree to the loan.
Improper use of your report	Capital XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , Citibank XXXX XXXX ,
Credit monitoring or identity theft protection services	Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. TransUnion changed their website after the XXXX crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.
Incorrect information on your report	XXXX/XXXX is reporting five student loans on my XXXX and Equifax as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with XXXX and Equifax, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my dispute.
Disclosure verification of debt	I mailed XXXX certified letters requesting validation and never received anything. The collection is still appearing on my credit reports. I even contacted the XXXX office in Minnesota & Washington state. They have ignored my requests and I am asking that this be removed from my all XXXX credit files because of failing to respond since the first of last year.
False statements or representation	I requested original bill from said hospital. The company trying to collect sent me one. On the bill is says amount due XXXX .... On a piece of paper from collection company. They tell me to ignore what is on original bill from swift emergency. If the Bill says I owe XXXX. How can they create a random amount and attach to my credit report.
Cont'd attempts collect debt not owed	Pay Pal credit keeps contacting me regarding a debt I did not incur. I NEVER OPENED NOR EVER HAD ANY PAY PAL ACCOUNTS. I keep conveying this information to them, but I keep being contacted.
Incorrect information on your report	I never took out a payday loan ever, just this year found this on my credit report when I was getting my credit report this past year.
Problem with fraud alerts or security freezes	Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now one of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.
Incorrect information on credit report	Equifax is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Equifax credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.
Attempts to collect debt not owed	XXXX , XXXX , XXXX , XXXX , none just now looking at my credit report I had identity theft someone been using my social
Incorrect information on credit report	There is a wrong address. XXXX XXXX XXXX. Ma. Never lived there. And I 've never heard of the company XXXX. These belong to someone else. Please remove
Credit reporting company's investigation	It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the three main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.
Incorrect information on your report	This Finance Company sold my mortgage to XXXX XXXX and also is reporting public credit report XXXX that I still owe a mortgage loan. My account ins blocked in their website
Incorrect information on your report	Part of the 143 million Americans who 's data was breached during the Equifax hack. Actions have NOT been taken by Equifax -- they are offering a year of free credit monitoring but if you OPT IN for that, you waive your right to be a part of the class action law suit against them.
False statements or representation	As of XXXX, 2017 Receivables Performance has been reporting a collection on my credit report for an undisclosed amount. I do not know the origin of the account or why it exists. The amount listed on my report is left blank. I have attempted to contact said agency to no avail. Again, They are reporting a collection. I do not know it's origin. And, the amount on the report(s) is [or XXXX dollars].
Attempts to collect debt not owed	My XXXX reports show a {$4500.00} report on XXXX XXXX 2014 by MED DATA SYS And made my account negative. I do not owe any money to them. It is an is an identity theft. XXXX has been accepting alot of those collectors without verifying if i owe anything and my information is correct. Most of the collector info have about me does not belong to me.
Incorrect information on your report	I received a letter in the mail today thanking me for choosing to use a XXXX XXXX XXXX XXXX credit card. I have never had a credit card of any type with XXXX XXXX and never will. It seems as if someone from XXXX XXXX has opened a credit card account in my name and I do not appreciate it.
Improper use of my credit report	My privacy information and they have no right to share my information to another creditors and freeze my life and I been harassing every time I apply credit and they keep loosing my points they told me to verify only for credit score but is not in found out they freeze everything my identity after they check and I 'm a taxpayer and unable to get my credit report or credit score every month.
Improper use of your report	On X/XX/2017 I pulled my own credit via XXXX XXXX XXXX with TransUnion. TransUnion has recorded this inquiry as a hard pull vs a soft inquiry. This mistake has negatively impacted my score.
Written notification about debt	XXXX XXXX XXXX inquiry from XX/XX/XXXX,2017 I have a hard inquiry on my credit report that is really affecting me and I have n't received a loan from this company. I overstand there 's an adhesion contract here and I need it removed stricken or deleted from the record.

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

I am attaching the letter I sent out to the credit bureaus on XX/XX/XXXX. As of today, I have not received any responses, and they were supposed to respond within 30 days.

Written notification about debt

COLLECTOR WENT ON MY CREDIT REPORT WITHOUT FURNISH 30 DAY NOTICE AND IS A INVALIDATED DEBT INQUIRY OM MY XXXX . FAILED TO CEASE AND DESIST.

Attempts to collect debt not owed

I made an settlement in exchange they will remove the negative item from my credit report. I paid the settlement and the comment is still there They did not follow the agreed agreement.

False statements or representation

I have a account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MA XXXX ( XXXX ) XXXX. Opened : XXXX 2015 amount due {$160.00}. The collection company is reporting a debit that went into collection three years ago, and for the pass three years they have changed the Open date. Which is inaccurate, the company is in violation for re-aging the account being that I have not made any contact with them in order to make a payment.

Attempts to collect debt not owed

Hello, I got a copy of my credit report showing a collections with this company, XXXX XXXX XXXX in the amount of {$210.00}. I sent out a validation letter to this company on XXXX requesting validation as it falls under the FCRA. ( validation is a lease or contract signed by me ) I have yet to receive any of this. I'm now requesting you step in and demand this and if they can not provide it. Please delete from my credit report.

Incorrect information on your report

I closed the XXXX XXXX credit card account.

Incorrect information on credit report

I need to know why my trans Union score keeps going down I have been faithfully paying on time I may have missed XXXX purchased furniture but my credit was up and i need an explanation

Improper use of your report

Equifax divulged an immense amount of personal info due to a cyber attack. I am one of the people affected. Their resolution was to provide a year of credit monitoring. I do n't believe that 's fair.

Incorrect information on your report

XXXX and Experian removed bankruptcy from credit report and then placed it back on credit report. I have requested numerous times to have it permanently removed. By law, the 5 day rule would apply to advise PRIOR to reinstating information previously removed from credit report. Additionally, the listing exceeds 7 years, which is the maximum amount of time allowed to report on credit report.

Account opening, closing, or management

well fargo bank is closing down town XXXX branch. they sent letter that I had to close my safe deposit box, which I did. they failed to issue me pro-rated refund at time of closing and play ed dumb when I asked manager to m ail me a refund check that is due to me. XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , fl XXXX XXXX

Dealing with my lender or servicer

I was trying to get a loan forgiveness for my student loan which the school closed and the rep said I couldnt. He did n't even ask what I was talking about he just said he ca n't help. I went to XXXX and I was asking about that loan. And the guy kept saying there 's nothing he can do. This is really hurting my credit.

Cont'd attempts collect debt not owed

I am being contacted about a magazine subscription which I did not order.

Attempts to collect debt not owed

Credit was submitted to my score damaging it, I have never had an account with XXXX or XXXX, I called the collector last week and they irresponsibly could not identify the information, the user who stole my identity does not have SSN in their records. But they erroneously assigned the debt to my account, without having correct information. My identity is being used by mistake affecting my amazing score.

Incorrect information on credit report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Account # XXXX no contract or no signature

Communication tactics

Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.

Dealing with my lender or servicer

While still in school I was given the option to put my loan in forbearance by XXXX. I was not told that interest would accrue. No one explained the implications to me.

Communication tactics

XXXX from Account Control Technology has contacted me several times at my place of employment. I can not have calls from outside of the company for personal use. She left a message with our XXXX to call her back at XXXX ext XXXX.

Cont'd attempts collect debt not owed

someone has stolen my identity and opened up this fraudulent account with your company and you have still tried to collect on it and report to the credit bureaus ... this account is totally fraudulent and needs to be handled immediately

Took or threatened to take negative or legal action

Professional Debt Mediation has sent me a notice to collect a debt in the amount of {$4700.00}. This collection agency is not licensed for business in Florida, nor are they registered with the Florida Secretary of State ; therefore can not attempt to collect any debt in Florida. Please remove this account from my credit reports immediately. ''

Struggling to pay your loan

Today XX/X/17 they called me then called my sister saying they have issued an arrest warrant for me cause payment bounced and it 's been months

Incorrect information on your report

Wrong address on credit report. I have never lived in XXXX XXXX, KY.

Incorrect information on credit report

Credit bureau is reporting inaccurate information I have not entered into a contract with the accounts listed. XXXX acct # XXXX XXXX acc # XXXX

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

I have a collection that is reporting inaccurate information on my credit report. I have disputed the information 30 days ago and have yet to receive a response. This collection is not valid and the collection agency can not verify that this debt is valid.

Incorrect information on your report

After reviewing my credit report I see that GM Financial has reported my account 6 times late 30-59 days late. I have attached my payment history and a few months I made two payments in 1 month. I sent them a good will letter to get it resolved and its has not helped at all. If anything my account should only reflect 1 payment late in XXXX 2017.

Credit reporting company's investigation

my information was used to purchase phones and a contract with my old address

Communication tactics

I received a phone call from Dynamic Recovery Solutions at XXXX. After calling me, they called my mother in another state. They told my mother should can pay the debt for me. No debt exists. All debts I owe have been paid.

Arbitration

I have an American Eagle credit card. I have been locked out online. I ca n't get in touch with a person to help me. I know I owe something but I ca n't verify the charges to pay. I called the woman who spoke with me kept interrupting me and hung up on me. I have not gotten anything in the mail. I have not received anything. I do n't know what 's going on. No mail, no calls, no email. I need to speak to someone to find out what is going on.

Problem getting a card or closing an account

lost job an try to bounce back on my feet. my lawery suggested me to this site BKPT CT IL XXXX XX/XX/XXXX Type Bankruptcy chapter XXXX-dismissed Reference XXXX XXXX XXXX XXXX opened XX/XX/XXXX {$380.00} XXXX XXXX XXXX opend XX/XX/XXXX {$13000.00}

Loan servicing, payments, escrow account

My office represented the borrower in a foreclosure case in XXXX Supreme Court. The matter was settled with a loan modification and the foreclosure case was dismissed. Even though my office no longer represents the borrower, because the underlying foreclosure case has been dismissed, my office still receives mortgage statements for the borrower. The statements lists the borrower 's name but my office 's mailing address.

Communication tactics

they are using different fake phone numbers. they call and hang up only when i call back do they identify themselves

Cont'd attempts collect debt not owed

I HAVE SUBMITTED COMPLAINTS TO XXXX OF UPSTATE NY CONCERNING THE BAD BUSINESS PRACTICES OF XXXX. THEY HAVE NOT SENT ANY DISCLOSURE CONCERNING A DEBT I DO NOT OWE AND HAVE NOT EXPLAINED WHY THIS COLLECTION AGENCY XXXX XXXX. ARE REPORTING FALSE INFORMATION ON MY CREDIT FILE CAUSING ME FINANCIAL HARM.

Cont'd attempts collect debt not owed

On XX/XX/XXXX I sent Optimum Outcomes a certified letter asking for proof of a debt they allege I owe. Furthermore, they have placed this against my credit with Equifax. They were given XXXX days to respond via mail and I have still not received the requested documentation I 'm allowed by law.

Written notification about debt

Received calls from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX, PA. I never received any written notification. They did not provide any validation or verifying information. I do not have any debts in collections. It 's harassment and a violation of the FDCP to call someone who does n't have a debt in collection. Moreover, it 's harassment and a violation of FDCP to not provide written notification or validation.

Trouble using the card

XX/XX/2018 XXXX XXXX XXXX XXXX I have a gift card that was supposed to be XXXX dollars but it says that XXXX dollars only has a balance XXXX cents.

Cont'd attempts collect debt not owed

RGS Financial are calling me nonstop to collect on a debt that i do not recall having with this company.I demand that they cease and desist all attempts to collect the debt.

Can't repay my loan

I pay XXXX per month for my loans. I can not afford this. The lender initially helped with income repayment and will no longer assist what so ever.

Fraud or scam

Citibank XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Wire transfer for {$5000.00} on XXXX/XXXX/XXXX. I have tried contacting this man, I have contacted the police in XXXX XXXX, CA and no such person exists according to their records. He has presented a fraudulent identity and needs to stop. I have mailed him through regular mail and also registered mail and it gets returned. I want his bank account frozen and my money returned. He 's a thief.

Improper use of your report

There was a massive data breach with Equifax, and I checked their site and I was told that my personal data may have been compromised. I 'm unsure of the date of the breach, but I first became aware of it on Friday, XXXX XXXX 2017. I placed a 90 day fraud detection alert on my account with the three major companies. I also got a free credit report from XXXX. Filing this complaint is the last step I plan to take at the moment.

Cont'd attempts collect debt not owed

Yes, the credit dept say the company ask them to keep the fraud on my report in have me company them i have contact them a number of times in this has n't not been remove from my credit file which makes this more outrageous is i have been on XXXX since i was born in XXXX and XXXX both pay all my health care bills on by somebody use my name in a fraud this bill was n't pay for but the collection agent trying force me to pay something that was n't done by me.

Communication tactics

Called the company trying to negotiate a payment plan/lower bill. After speaking to the person from the company I was told I needed to pay XXXX dollars a month. I responded with " I am not able to pay that, I have XXXX kids. '' After a lot of bickering from the representative I was then told that " you are now on a list of people who refuse to pay their debts '' and was immediately hung up on.

Dealing with my lender or servicer

I believe that I am being charged an incorrect interest rate. My loan provider Navient ( originally XXXX XXXX ) has refused to provide me with a full copy of the promissory note despite repeated requests both written and telephonic.

Money was not available when promised

A Western Union money transfer was blocked to recepient. Dollar amount of XXXX has not been credited to senders account.

Loan servicing, payments, escrow account

I have not heard from my mortgage company regarding a short sale on my home

Cont'd attempts collect debt not owed

This is a landlord/tenant dispute. The landlord is claiming damages that we are not responsible for. We have submitted a letter to the landlord and collection agency that states this is disputed debt. Therefore can not be collected upon until dispute between landlord and tenant is resolved. We have received a summons to appear in court demanding payment on these disputed charges from the collection agency.

Cont'd attempts collect debt not owed

This debt was not validated and the collection agency removed it from my report and later reinserted the item in my report without contacting me first violating my rights under FCRA

Communication tactics

IC Systems have been calling up to 4-5 times a day from various different numbers with the XXXX area code. It is very annoying and way too many times to call. They have n't left a voice message therefore I could n't call them back with knowledge of what exactly they are calling about. I want them to stop calling because the debt they are calling about is n't even current or correct.

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

I have disputed acct XXXX for credit bureau associates and requested they validate the debt by sending copies of the documents they have in their files that were use to validate this debt not simply responding with *verified yet they keep reporting it on my credit report i know it will automatically fall off on XX/XX/XXXX but this does not belong to me

Attempts to collect debt not owed

TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM XXXX AND XXXX. I HAVE DISPUTED THIS ISSUE NUMEROUS TIMES WITH COMPANY AND STILL HAVING NO LUCK. I HAVE SENT A CERTIFIED DEBT VALIDATION LETTER ON XXXX WITH NO RESPONSE FROM THIS COMPANY. I AM REQUESTING YOUR SUPPORT IN GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT PER THE FCRA. THANK YOU IN ADVANCED FOR YOUR ATTENTION IN THIS MATTER.

Incorrect information on your report

XXXX and Transunion are reporting tax liens on my credit report the liens are incorrect and I have no outstanding liability or overdue taxes with the state of Georgia.TYPE Tax lien COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX , XXXX AMOUNT {$1900.00} PLAINTIFF XXXX ACCOUNT HOLDER Individual COURT NUMBER XXXX CASE NUMBER XXXX DATE FILED XXXX , XXXX AMOUNT {$4500.00}

False statements or representation

Fail to report the debt correctly to the credit bureau. They are reporting the item to all XXXX credit bureaus incorrectly and this is causing me to not obtain a mortgage. They reported to the credit agency 's on XXXX that it is an installment loan, another states that its closed, and the other open with the incorrect balance. The other issue is that I had autopayments setup with this company and they take the first payment then cancel the autopayment.

Credit monitoring or identity protection

in 2011 I opened a trial account for {$1.00} with Experian - Acct # XXXX XXXX XXXX I have been billed XXXX since then. I have never used the account. I had no idea I was being charged. They refused to refund anything more than the last month. This is fraud,

Incorrect information on credit report

Equifax states that its mines without showing proof. I told them and wrote several letters to remove it but sometimes they do n't even write back or update my credit

Delinquent account

Chase charged off my account with them in XXXX. I have received numerous collection letters from different collection agencies since then. The have reported the account 90 days past due each and every month even after they charged if off continuing to hurt my credit. I paid the account in full XXXX. They say it was an accurate account history of 90 days late each month although they sold the account to a collections agency and it was charged off.

Incorrect information on credit report

Creditor XXXX. I never have XXXX as servicer, always have XXXX for several years. Never lived in XXXX, Florida. Never received any statement from XXXX just found through credit report that it 's for collection already. Hoping for your immediate follow up regarding this matter.

Incorrect information on your report

XXXX XXXX XXXX, is also reporting multiple loans as XXXX XXXX past due and these loans are older than XXXX years. At no time, have I ever had any written correspondence XXXX XXXX XXXX.

Cont'd attempts collect debt not owed

Balance paid in full XX/XX/2014 through XXXX XXXX XXXX. I also filed disputes with all XXXX credit reporting agencies.

Dealing with my lender or servicer

FedLoan Servicing will not allow borrowers to specify handling of over-payments, i.e., refuses to apply over-payments to principal, instead insisting on applying them to interest to prevent the borrower from paying off their loan more quickly/efficiently.

Incorrect information on credit report

Trans Union does not want to respond to my requests to investigate, verify and remove accounts from my credit report/file that do not belong to me.

Disclosure verification of debt

GC Services is not correctly reporting that I am paying them in XXXX or XXXX

Deposits and withdrawals

They cashed a check and did not inform me of the possibilty of a hold. Two days later there is hold on the check. They send me an email two days later. In the age of instant communications and digital electronic check clearing that takes microseconds, they send an email two days later. That causes a negative balance and overdraft fees.

Disclosure verification of debt

I went on XXXX this morning and there was a change to my account that XXXX XXXX had sold an account to Falls Collection. I have been disputing the validity of the debt with wisconsion energy, and falls collection has submitted to the credit bureaus that this is a collection WITH OUT GIVING ME ANY WARNING THAT THEY HAD PURCHASED THE ACCOUNT, NOR HAD THEY GIVEN ME ANY CHANCE TO DISPUTE THE DEBT.

Incorrect information on your report

I received a letter from XXXX XXXX, ( Furnisher ), stating that they do not service an account that is listed as a trade line on my consumer report. I have submitted a dispute with Equifax and they refuse to delete. According the FCRA, ( FCRA 623 ( b ) ( 1 ), this item must be deleted from my file.

Cont'd attempts collect debt not owed

We have received phone calls on XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 from this company and I continue to call them right back to have our numbers removed from their system. They continue to tell us it will be done and they continue to call the next day.

Attempts to collect debt not owed

sold off and no contract

Closing/Cancelling account

I had paid my credit card balance in full and closed the account since I did not find the results of complaint case number XXXX did not adequately resolve my complaint. They have shown for 2 consecutive months that I am over my limit and do not show that I have paid the account balance in full nor closed with positive satisfaction my CC account.

Problem with fraud alerts or security freezes

The failure of this company to NOT maintain the freezes we ere supposed to have on my wife and my account opened us to the latest hack. Then we tried to apply for their protection but they have NOT followed up with a confirmation email and we can not get into their site. This is major impact to the people of America and on our family!

Improper contact or sharing of info

Some of the collections our from XX/XX/XXXX to XX/XX/XXXX they have had a charge off from the original. And I have been called for years from other debit collectors.

Cont'd attempts collect debt not owed

This is a medical bill that shows on my credit report as an open account in collections. I put this on my Chapter XXXX Bankruptcy in XXXX and it was discharged in XXXX. This should not be showing in collections.

Cont'd attempts collect debt not owed

I get calls for a XXXX XXXX and that 's not me. I have told them numerous time but they continue to call. The calls start at XXXX and continue through out the day.

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

Since I have disputed all of and any payments, agreements, wet ink signature, balances and debts of false info no response of lawful investigation. Also There is recorded conversation call that supports the no lawful proof of verification claim by the Equifax rep. Account # XXXX , XXXX XXXX XXXX Dates provided upon request my phone number and Email listed.

Loan servicing, payments, escrow account

The Nationstar 'Mortgage Loan Statement ' itemizes XXXX late fee in the amount of {$27.00}. However, {$54.00} was added to the amount due, despite the fact that the payment was sent in before the specified date. I can find no explanation for the amount billed. Previous correspondence with Nationstar Morgage results in long delays in replies with no satisfaction.

Written notification about debt

According to Arizona Department of Financial Institutions, XXXX XXXX XXXX XXXXXXXX does not have a valid license to collect in the state of Arizona. I am disputing these accounts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that XXXX XXXX XXXX XXXXXXXX is allowed to collect debts in Arizona.

Improper contact or sharing of info

I made a good faith attempt to pay this debit, but they deliberately black list me, so now I am homeless and have to depend on living with relatives because I can not rent a place of my own. The debit keeps increasing, the ownership has changed hands and I am still a XXXX XXXX XXXX XXXX woman without my own place to live because the information sharing of this company. The XXXX XXXX owners kept my security deposit as well, so this debit is truly not owed.

Attempts to collect debt not owed

Received a notice of debt collection by a company named ARA Inc in the amount of {$2800.00} owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.

Unable to get credit report/credit score

I tried to get my free Equifax credit report online. While going through their process, the application timed out and they are now demanding that I mail information to them with my ODL and social security number.

Problem when making payments

After I opened the account in XXXX, I relocated to XXXX where they DO NOT have a payment in this state. I relayed my concerns and difficulty to the main office but they were not able to help me.

Improper contact or sharing of info

This company is calling for a family member. I told them our number is not that person 's number and to take our phone number from their calling list. Still getting calls from United Recovery. LogUnited Recovery XXXX XXXX XX/XX/2015United Recovery XXXX XXXX XXXX/XXXX/2015 at XXXX

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

I disputed with XXXX, Equifax & XXXX the inaccurate information reported on my credit report which was a chapter XXXX BK reported by XXXX XXXX XXXX XXXX XXXX. I did not receive the response back from any of the agencies for my dispute within the time frame allowed by law.

Incorrect information on credit report

Wrong employer on Transunion Credit Report. My current employer is XXXX XXXX XXXX. They have wrong employer information.

Dealing with my lender or servicer

I recieved a loan for XXXX education to do personal trainng which I finished and passed the test. Everywhere I have gone no gym has heard of them and will not even accept me as an intern. They say they are not accredited. I feel like I was ripped off and am very dissapointed in the way they got me to agree to the loan.

Improper use of your report

Capital XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , Citibank XXXX XXXX ,

Credit monitoring or identity theft protection services

Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. TransUnion changed their website after the XXXX crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.

Incorrect information on your report

XXXX/XXXX is reporting five student loans on my XXXX and Equifax as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with XXXX and Equifax, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my dispute.

Disclosure verification of debt

I mailed XXXX certified letters requesting validation and never received anything. The collection is still appearing on my credit reports. I even contacted the XXXX office in Minnesota & Washington state. They have ignored my requests and I am asking that this be removed from my all XXXX credit files because of failing to respond since the first of last year.

False statements or representation

I requested original bill from said hospital. The company trying to collect sent me one. On the bill is says amount due XXXX .... On a piece of paper from collection company. They tell me to ignore what is on original bill from swift emergency. If the Bill says I owe XXXX. How can they create a random amount and attach to my credit report.

Cont'd attempts collect debt not owed

Pay Pal credit keeps contacting me regarding a debt I did not incur. I NEVER OPENED NOR EVER HAD ANY PAY PAL ACCOUNTS. I keep conveying this information to them, but I keep being contacted.

Incorrect information on your report

I never took out a payday loan ever, just this year found this on my credit report when I was getting my credit report this past year.

Problem with fraud alerts or security freezes

Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now one of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.

Incorrect information on credit report

Equifax is reporting a bankruptcy on my credit file that is not mine. I have never filed bankruptcy. I am also showing accounts in bankruptcy that do not belong to me on my Equifax credit file. Either someone has the same name as mine or they incorrectly inserted bankruptcy information on my credit file. Please help me in getting these items remove from my credit file.

Attempts to collect debt not owed

XXXX , XXXX , XXXX , XXXX , none just now looking at my credit report I had identity theft someone been using my social

Incorrect information on credit report

There is a wrong address. XXXX XXXX XXXX. Ma. Never lived there. And I 've never heard of the company XXXX. These belong to someone else. Please remove

Credit reporting company's investigation

It 's a lot of things on my credit that were paid but, still reflects negative readings which is n't allowing my credit score to elevate accurately. XXXX, XXXX and XXXX are the three main negative items that weighs heavy on my credit report which is preventing me from purchasing my first home.

Incorrect information on your report

This Finance Company sold my mortgage to XXXX XXXX and also is reporting public credit report XXXX that I still owe a mortgage loan. My account ins blocked in their website

Incorrect information on your report

Part of the 143 million Americans who 's data was breached during the Equifax hack. Actions have NOT been taken by Equifax -- they are offering a year of free credit monitoring but if you OPT IN for that, you waive your right to be a part of the class action law suit against them.

False statements or representation

As of XXXX, 2017 Receivables Performance has been reporting a collection on my credit report for an undisclosed amount. I do not know the origin of the account or why it exists. The amount listed on my report is left blank. I have attempted to contact said agency to no avail. Again, They are reporting a collection. I do not know it's origin. And, the amount on the report(s) is [or XXXX dollars].

Attempts to collect debt not owed

My XXXX reports show a {$4500.00} report on XXXX XXXX 2014 by MED DATA SYS And made my account negative. I do not owe any money to them. It is an is an identity theft. XXXX has been accepting alot of those collectors without verifying if i owe anything and my information is correct. Most of the collector info have about me does not belong to me.

Incorrect information on your report

I received a letter in the mail today thanking me for choosing to use a XXXX XXXX XXXX XXXX credit card. I have never had a credit card of any type with XXXX XXXX and never will. It seems as if someone from XXXX XXXX has opened a credit card account in my name and I do not appreciate it.

Improper use of my credit report

My privacy information and they have no right to share my information to another creditors and freeze my life and I been harassing every time I apply credit and they keep loosing my points they told me to verify only for credit score but is not in found out they freeze everything my identity after they check and I 'm a taxpayer and unable to get my credit report or credit score every month.

Improper use of your report

On X/XX/2017 I pulled my own credit via XXXX XXXX XXXX with TransUnion. TransUnion has recorded this inquiry as a hard pull vs a soft inquiry. This mistake has negatively impacted my score.

Written notification about debt

XXXX XXXX XXXX inquiry from XX/XX/XXXX,2017 I have a hard inquiry on my credit report that is really affecting me and I have n't received a loan from this company. I overstand there 's an adhesion contract here and I need it removed stricken or deleted from the record.