determined-ai/consumer_complaints_medium · Datasets at Hugging Face

Issue stringlengths 4 80	Consumer Complaint stringlengths 5 494
Incorrect information on your report	I have contacted the agency several time about the bankruptcy report they have not contacted or complied.. This is not my file
Incorrect information on your report	My auto loan has been open since 2012. Equifax has been reporting for years accurate information then out of nowhere they delete the account. The account, XXXX XXXX, is 1. Open 2. Reaffirmed during bankruptcy 3. Has 1 late payment on XXXX 2014 4. Is current and paid satisfactory according to Bank.
Problems when you are unable to pay	I have asked to move one payment to the end, or end the loan and they will not let me. TheyXXXX tell me the amount varies each time i call, and the only thing they will offer is more money. I have already paid them back more than what i was loaned out. They have terrible customer service
Communication tactics	I have requested multiple times that XXXX XXXX XXXX does not call me and only communicate through mail. However they continue to call me and harass me.
Disclosure verification of debt	I have been trying to verify my debt and am getting no response whatsoever to my enquiry.
Incorrect information on credit report	Transunion and XXXX are taking to long to update my personal information such as addresses and names, I already sent dispute letters 2 times but there is no response from them. seems like they do not care about my personal information to be updated in my correct address and name. Please help me up for they to correct my personal information
Incorrect information on your report	On my Equifax Credit Report, XXXX Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.
Disclosure verification of debt	Request validation of this debt. I do not believe I owe this creditor. Initial bill sent to wrong address due to their error. Conflicting amounts allegedly owed.
Cont'd attempts collect debt not owed	Some one used my name and social security number yo open up a light bill at an address I never lived at
Cont'd attempts collect debt not owed	I applied to XXXX University in XXXX XXXX, CA. However, I never attended any XXXX at the XXXX. I spoke with someone from the XXXX and informed them I would not be going there after all. They said I would be dropped from classes that they signed me up for. Now they have sent me to collections for {$5000.00} in tuition costs for an education that I never received. I never attended any classes at all.
Incorrect information on your report	XXXX XXXX XXXX is reporting an inaccurate late on my credit report.
Incorrect information on credit report	I have a XXXX address on my personal information that is not mine and I want it removed. I also want the hard inquiries removed they were expose to be soft inquiries not hard I would like them removed.
Written notification about debt	I have never had an account with these companies. These are fraudulent accounts. I have never received any information on these two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX open XX/XX/XXXX XXXX XXXX
Taking/threatening an illegal action	I hired a company to clear false information in my credit report. I received this letter from Crosstown Law, LLC representing XXXX XXXX XXXX , XXXX. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.
Incorrect information on credit report	This is a dispute pertaining to multiple inaccurate late payments reporting after account was charged-off closed XXXX/XXXX/2011. I disputed with Experian and included a portion of my XXXX credit report but the inaccurate infor- matiion was verified. The creditor has stated that these differences on XXXX Experian report should be disputed with Experian. I did so but was not successful in having this inaccurate, injurious info deleted.
Taking/threatening an illegal action	The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations.
Closing/Cancelling account	Wells Fargo is stating that someone closed my account on XX/XX/2010. I have spoken to every member of the wells fargo bank and they do n't have any record who closed the account. I am in good standing with them and this closed account is affecting my credit report. WELLS FARGO CARD SERVICE XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX
Incorrect information on your report	The collection account was deleted off of my XXXX and XXXX credit reports but keep showing up on my XXXX report and hurting my credit score.
Incorrect information on your report	I have made several attempts to rectify this matter with World Omni Bank, XXXX, and XXXX. I have notified all of them that this account do not belong to me and was open as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.
Credit line increase/decrease	American Express - They reduced my credit limit without consent. I have not missed any payments or anything that would violate our agreement. Poor ethical practices and in violation of their own terms and conditions.
Struggling to pay mortgage	I HAVE RECEIVED AN APPROVAL FOR A FORBEARANCE AGREEMENT ON XX/XX/XXXX STATING THAT I WAS APPROVED FOR A PAYMENT OF {$0.00} FROM XX/XX/XXXX THROUGH XX/XX/XXXX. NO DOCUMENT NEEDS TO BE SIGNED OR CALLED ON, ONLY IF I HAVE QUESTIONS WHICH STATES ON PAGE 1 OF 4. I AM COMPLYING WITH SETERUS REQUEST AND THEY STILL SOLD MY HOME ON XX/XX/XXXX.
Credit monitoring or identity theft protection services	XXXX XXXX XXXX makes it virtually impossible to cancel membership. They require you to call this number : XXXX - then they tell you to hold for 2 hours! How is this legal? You can sign up online - but you cant cancel your membership online.
Account opening, closing, or management	The terms for the fees on my checking account changed without my knowledge. I am now being charged a $ XXXX/mo fee because the minimum deposit amount changed from $ XXXX/mo to $ XXXX/mo for their workplace banking account.
Problem with a credit reporting company's investigation into an existing problem	I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.
Incorrect information on your report	This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XX/XX/XXXX and requested that this information be removed and/or corrected. As of XX/XX/XXXX this information continues to appear on my credit profile.
Incorrect information on your report	On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.
False statements or representation	A lady calling herself XXXX repeatedly called me to collect on a bebt that I incurred in 2007. SHe stated that if I did not make arrangement swith her yeaterday she would file a XXXX form with the IRS and then XXXX XXXX would firl a {$20000.00} lawsuit and if I did not pay, I would be jailed.
Cont'd attempts collect debt not owed	I received a phone call from a representative of a company called " J S Resolution '' threatening legal action against me. I have a recording of this voicemail here : XXXX
Credit reporting company's investigation	I performed an online dispute with Experian in regards to a paid closed account, account shows 30 days late on several months with account # XXXX XXXX XXXX XXXX, when I Called XXXX they were unable to provide proof of 30 day delinquency. Experian stated account is reporting correctly.
Incorrect information on credit report	I 've never lived outside the state of XXXX and the report reflects XXXX addresses in XXXX XXXX, XXXX. I have never lived at that address, nor have I ever lived in XXXX. I 'm not sure what documents I could provide that I HAVE NEVER lived in XXXX.
False statements or representation	Old apartment I used to live in. Before leaving we had an agreement and signed that they owed me {$75.00}. A coupe of weeks later they sent me a bill for {$200.00}. That wasnt what we agreed and just charged me.
Improper use of your report	Why is it that Equifax has not been held accountable for their XXXX actions and walk away with millions of Dollars?
Improper use of your report	I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED 1 ) XXXX XXXX 17 XXXX 17 XXXX XXXX 17 XXXX XXXX 17 XXXX 17 XXXX XXXX XXXX 17 XXXX XXXX 17 XXXX XXXX 17 XXXX -17 XXXX XXXX XXXX 17 XXXX XXXX XXXX -17 XXXX XXXX XXXX 17 XXXX XXXX XXXX 17 PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED
Incorrect information on your report	XXXX XXXX is not my name, I never lived at some address listed
Cont'd attempts collect debt not owed	I have never had XXXX OR XXXX
Other fee	The credit card charged an annual fee and reported me 30 days late on the bureau they never notified me in writing or otherwise. The account had a XXXX balance. I never been late with them. My credit report was affected over a fee they charge and never notified me. Is this legal can the y affect my credit over a fee they charge.
Improper use of your report	I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Prestige Financial Services XX/XX/XXXX
Incorrect information on your report	XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.
Cont'd attempts collect debt not owed	central credit services and XXXX credit systems continually call up to XXXX times a day stsrting before XXXX for someone that does not live at my telephone #. I am a senior citizen, they are harrassing me and refuse to stop contacting me. collector calls : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
Credit reporting company's investigation	I disputed an inaccurate account balance and they removed the account complete, causing my score to drop XXXX points
Dealing with your lender or servicer	I was shocked when reviewing my credit report and found late payments on XXXX of my student loans on the date below : 90 days late as of XXXX XXXX I am not sure how this happened, as my loans have been in Forbearance for a long time due to my low amount of income. Each time my loans have come out of Forbearance, I have been diligent about contacting you to put them back in Forbearance. These late payments severely damaged my XXXX XXXX and it is not right.
Taking/threatening an illegal action	I was contacted today ( XXXX/XXXX/15 ) by a representative from National Enterprise Systems trying to collect on a payday loan which is likely past the statute of limitations and illegally issued. Legal action and arrest were threatened.
Can't contact lender	I made multiple payments on this account and was never able to get out from under this payday loan. I have tried multiple times.to contact this provider with no success.
Dealing with my lender or servicer	Nelnet has been harassing me since XX/XX/XXXX. Recently when I told Nelnet over the phone that I was enacting my right for them to only communicate with me via XXXX Mail they began calling my adult son about my account. I am still a student and was on military XXXX from XXXX university.
Disclosure verification of debt	I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector.
Written notification about debt	I have recieved multiple calls from a collection agency stating I owe {$340.00} to Fifth Third Bank. Upon asking for verification of the debt Im told it will be emailed to me. It never was. After calling back I was told they do not provide proof of debt, only payment arrangement letters. I wasnt able to catch the name of the company however the contact phone number is XXXX
Charged fees or interest you didn't expect	I applied for refinancing on an auto loan with Lending Club and was told the rate would be 2.49 % The payoff on my current loan was XXXX WHEN IT CAME TIME TO SIGH THE LOAN THE LENDING CLUB SAID THE RATE WOULD BE 3.4 % THIS IS BAIT AND SWITCH THEY NEED TO BE INVESTIGATED AND FINED!
Dealing with my lender or servicer	-My college loans were transferred to Mohela three years ago. -I had a XXXX and applied for XXXX relief. -Through the XXXX relief program ( XXXX ) suspended any and all payments to be made to Mohela . -XXXX advised they contacted Mohela of the suspensi
Can't repay my loan	The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.
Incorrect information on your report	I am writing to dispute XXXX XXXX XXXX XXXX # XXXX on credit report number XXXX . The ratiing listed on the account is incorrect. Please delete the account.
Deposits and withdrawals	The Chase Bank has refused to accept US currency as an acceptable deposit. The cash is legitimate, not damaged and was obtained at another bank just moments before I attempted to deposit with Chase. They claimed that it is their companies policy to refuse to accept US currency as a legitimate deposit medium.
Problem with a credit reporting company's investigation into an existing problem	Great lakes educational loan services has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.
Loan servicing, payments, escrow account	Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment.
Incorrect information on credit report	My name is XXXX XXXX XXXX. DOB XXXX/XXXX/XXXX. SSN ***********. I checked credit in XXXX XXXX, had score of XXXX. Suddenly it 's dropped. I signed up with XXXX XXXX. They list a second name of XXXX XXXX. They list an exorbitant number of credit cards. I am NOT XXXX XXXX. Please investigate and inform me who is using my identity and how this happened. XXXX XXXX
Disclosure verification of debt	On XXXX XXXX, 2016 I reviewed my credit report and noticed an account that I do not recall therefore I sent a validation. The validation letter was sent on XXXX XXXX, 2016 requesting information the account Westlake Financial Services claims I owe them.
Incorrect information on credit report	I am a victim of identity theft and the following accounts listed on my Equifax credit report are unauthorized and all fraudulent accounts that are not my accounts : 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, US Department of Education, XXXX.
Improper use of your report	There are inquiries on my report that I do n't recognize and I ask the agent to remove the unknown inquires
Incorrect information on credit report	I dispute the " Date Opened '' as reported on my Equifax credit report. XXXX ( through their subsidiary XXXX XXXX XXXX ) provided me with a collection statement indicating the correct opening date of the original debt is XX/XX/XXXX. Equifax is reporting the acquisition of the debt ( XX/XX/XXXX ) as the opening date of the debt. I have disputed this with Equifax and they have failed to update the report accurately.
Problems when you are unable to pay	I have a car loan with United Auto Credit Acct # XXXX. I spoke with a XXXX XXXX at XXXX XXXX Shes extremely unprofessional and kept threatening me on a recorded line My car payment is 12 days late, I have gotten 17 calls from them back to back I was on the phone and someone was actually calling while I was online with another rep
Took or threatened to take negative or legal action	I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX,2014.
Incorrect information on credit report	After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing.
Taking/threatening an illegal action	Northstar XXXX from New York is the collections agency handling my account. I have been trying to settle my account with them. On Thursday XXXX/XXXX/15, a representative told me that if I did not pay the account in full by XXXX XXXX, 2015, they were going to report me to the local police department and I would be arrested and could face jail time.
Written notification about debt	I did not receive any communication from XXXX XXXX company saying that I owed a debt, was in default on my debt, and that my debt was being sent to collections. I do not know who the original company the debt is through. On my credit report, it says that this debt was opened on XX/XX/2017. I never applied for a debt/loan on XX/XX/2017 and was never told about it. The first time I received knowledge about it was when it showed up on my credit report.
Incorrect information on your report	There are many mistakes appear in my report without my understanding.
Incorrect information on credit report	I HAVE REPORTED TO THE CREDIT REPORTING AGENCY 'S THAT I WANT TO HAVE MY BANKRUPTCY 'S REMOVED DUE TO THE FCRA SECTION 1681 A SECTION 5 YOU MUST DELETE MY BANKRUPTCY 'S FROM MY REPORT DUE TO THE FACT THAT IT IS A CASE THAT NEVER TOOK PLACE AND THAT WAS ALREADY ADJUDICATED IT IS DEEMED NONEXISTENT ALL CASES IN WHICH ARE ON MY REPORTS THESE CASES THAT WHERE NEVER FILED AND OR ADJUDICATED SO I WANT THEM REMOVED BY THE COMPANY
Improper use of your report	Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Communication tactics	I 've mailed this collection company several letters of my XXXX and exempt for collection. The account they all about is not my obligation that of XXXX county XXXX which I had at the time of these charges were incurred
Incorrect information on credit report	Equifax is reporting a mortgage that is not mine and it has negatively impacted my credit and ability to receive loans. I have asked them to expedite the dispute but they refuse.
Shopping for a loan or lease	I paid my loan on XXXX XXXX and it 's still showing up negative when I actually paid up until XX/XX/XXXX
Incorrect information on your report	US BANK keeps reporting a fraud account on my credit report that does not belong to me!! I have been trying to get this matter resolved for years now but they ignore my communications and will not address nor help me to resolve this. the account was opened in XX/XX/2014 with a balance of {$6600.00}. this is not my account nor was it opened by me!!!
Problem adding money	XXXX XXXX, 2017 @ XXXX XXXX Upon creating an account with XXXX, I was prohibited from connecting to my online bank account. They are restricting access to my financial data with no grounds other than the specific service I am using. I see this as gross discriminatory action and expect this issue to be resolved in a timely fashion.
Cont'd attempts collect debt not owed	The debt was from XXXX regarding equipment allegedly not returned. I spoke with XXXX directly and they do not show any debt with them. My collection account keeps getting sold from XXXX collection company to the next.
Improper use of your report	Inquiries were removed due to disputing them and then put back on my report without my knowledge.
Attempts to collect debt not owed	XXXX XXXX XXXX has added XXXX collections in my account for the 3rd time. I have not been to the emergency room at all. This issue was resolved years ago and i also sent information in verifying this was not me. Now here we are again they sold the debt to COMMON WEALTH FINANCIAL.
Communication tactics	IQ Data International made a phone call to my cellphone after they have received and signed for a letter informing them not to call, that I will only conduct business with them in written correspondence.
Improper use of your report	Equifax gave me incorrect info when checking to see if I was impacted by their 2017 security breach. First I 'm told I 've been impacted, then I 'm told I have n't.
Dealing with your lender or servicer	My student loans are through XXXX XXXX. Any extra payment goes to interest and not principle. I did n't think that was legal.
Incorrect information on your report	I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number XXXX
Problem with additional add-on products or services	The company has now stopped talking money out of my account for no reason at all and they sent it to collections which is XXXX and XXXX this company is XXXX me over
Disclosure verification of debt	In XX/XX/2011, I developed a XXXX and found myself in numerous emergency rooms. In every case, I asked if I would be held responsible any costs of treatment, that they had other programs available that would take care of any cost for my visit. I was told that the main importance was that I receive the proper medical care for my XXXX. I just discovered that this Emergency hospital visit has been deferred to a collection agency.
Dealing with your lender or servicer	The information I received through Navient about repayment and amount owe did not seem to align with payments I had paid to XXXX XXXX prior to loans being sold.
Cont'd attempts collect debt not owed	Clarifying my address XXXX and ss # for credentiing must respond or legal action will proceed. Also calling my family members to verify my information
Incorrect information on credit report	I have disputed with the credit bureaus and XXXX several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that XXXX no longer has the loan and I do n't understand how the credit bureaus and XXXX are reporting and updating my credit report showing late payments when they no longer own the debt any longer.
Disclosure verification of debt	On the XXXX contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.
Incorrect information on your report	I have in the past been the victim of ID Theft and have had a lot of issues getting info corrected. I have had a fraudulent address removed and now it is begin re-reported. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DOES NOT BELONG TO ME AND NEEDS TO BE REMOVED!!!! My Address is XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX I have attached a copy of my Drivers License showing my correct address.Please correct this problem
Attempts to collect debt not owed	I have attempted several times to get this collection removed that is from Santander Consumer. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file.
Charged bank acct wrong day or amt	California Budget Finance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX. Charged my XXXX XXXX Bank Account for {$300.00} without my consent in violation of the Fair Debt Collection Practices Act.
Improper use of your report	Purchase a vehicle last year XXXX/XXXX/XXXX, had a approval from my credit union bank and apparently the car dealership ran a credit inquiry regardless ; now because of this equifax breach I see these XXXX hard hit on my reports as will in XXXX & i want them off. I 've submitted request with no results.
Incorrect information on credit report	Equifax shows charge off as status every month for 24 months. Should only report as charge-off for 1 month.
Attempts to collect debt not owed	HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT DUE TO ID THEFT / CRA VIOLATION LATE PAYMENT THAT I NEVER LATE / TOO MANY DIFFERENT NAME, ADDRESS, AND INQUIRIES NOT AUTHORIZED BY ME.
Deposits and withdrawals	Bank of America inconsistently deducts monthly maintenance fees from my checking account on arbitrary days. I attempted to discuss and resolve this issue with them today ; however, they could not provide any logical explanation as to why this date varies from month to month. This inconsistency creates a financial burden, impacts my budget and makes it difficult to keep my account balanced.
Problems when you are unable to pay	Hi, I receive multiple calls a day back to back. I receive calls from XXXX to right before XXXX at night. During my work day I am unable to answer my phone but they constantly call my cell back to back, an hour apart. Is n't there a law protecting the consumer from back to back calls, especially on their cell phone?
Incorrect information on credit report	I have paid off the debt to Procollect on XXXX/XXXX/15 which was a debt in the amount of {$440.00} + {$7.00} ( procollect fee ) = {$440.00} for XXXX XXXX XXXX. I paid the account off through XXXX XXXX XXXX who also charged a fee of {$5.00}, which will be shown on the attached receipt. I have spoken to Procollect about removing the item from my credit and was told it will be removed but the debt still continues to report as unpaid.
Attempts to collect debt not owed	On XXXX/XXXX/XXXX XXXX XXXX called from XXXX from Delta Management and attempting to collect on educational debt. She refused to remove my contact information from their calling system after I told her that she was looking for someone else with the same name and date of birth.
Incorrect information on credit report	XXXX has an account on my credit report. They have posted wrong information on my credit report in order to extend the time that the trade line stays on my credit report. The XXXX trade line needs to be removed from my credit report immediately.
Credit monitoring or identity protection	I am a victim of fraud someone has been using my ss number that have recently did XXXX credit inquiry and used my debit card gained access to my info since 2011.
Incorrect information on credit report	There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance
Advertising and marketing	Capital one has been soliciting me aggressively for a credit card after I asked them to stop sending me offers. One time they made me an offer, I accepted and then they closed the account before I could use it. They removed the inquiry off my report as agreed to in my previous complaint. But they have n't honored the agreement.
Incorrect information on credit report	Transunion is continues to report a account that does not belong to me that I have disputed several times according to my rights under FCRA. I also have provided them with proof from XXXX that states they can not locate and account number under my name, social security, date of birth, etc ... I am hoping that the CFPB can help me get some results.
Written notification about debt	called this company for several months they said they sent me a card swiped they didn't ask them to prove they sent it they didn't please take this off my credit report so I can go on with my life Please

Incorrect information on your report

I have contacted the agency several time about the bankruptcy report they have not contacted or complied.. This is not my file

Incorrect information on your report

My auto loan has been open since 2012. Equifax has been reporting for years accurate information then out of nowhere they delete the account. The account, XXXX XXXX, is 1. Open 2. Reaffirmed during bankruptcy 3. Has 1 late payment on XXXX 2014 4. Is current and paid satisfactory according to Bank.

Problems when you are unable to pay

I have asked to move one payment to the end, or end the loan and they will not let me. TheyXXXX tell me the amount varies each time i call, and the only thing they will offer is more money. I have already paid them back more than what i was loaned out. They have terrible customer service

Communication tactics

I have requested multiple times that XXXX XXXX XXXX does not call me and only communicate through mail. However they continue to call me and harass me.

Disclosure verification of debt

I have been trying to verify my debt and am getting no response whatsoever to my enquiry.

Incorrect information on credit report

Transunion and XXXX are taking to long to update my personal information such as addresses and names, I already sent dispute letters 2 times but there is no response from them. seems like they do not care about my personal information to be updated in my correct address and name. Please help me up for they to correct my personal information

Incorrect information on your report

On my Equifax Credit Report, XXXX Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.

Disclosure verification of debt

Request validation of this debt. I do not believe I owe this creditor. Initial bill sent to wrong address due to their error. Conflicting amounts allegedly owed.

Cont'd attempts collect debt not owed

Some one used my name and social security number yo open up a light bill at an address I never lived at

Cont'd attempts collect debt not owed

I applied to XXXX University in XXXX XXXX, CA. However, I never attended any XXXX at the XXXX. I spoke with someone from the XXXX and informed them I would not be going there after all. They said I would be dropped from classes that they signed me up for. Now they have sent me to collections for {$5000.00} in tuition costs for an education that I never received. I never attended any classes at all.

Incorrect information on your report

XXXX XXXX XXXX is reporting an inaccurate late on my credit report.

Incorrect information on credit report

I have a XXXX address on my personal information that is not mine and I want it removed. I also want the hard inquiries removed they were expose to be soft inquiries not hard I would like them removed.

Written notification about debt

I have never had an account with these companies. These are fraudulent accounts. I have never received any information on these two accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX open XX/XX/XXXX XXXX XXXX

Taking/threatening an illegal action

I hired a company to clear false information in my credit report. I received this letter from Crosstown Law, LLC representing XXXX XXXX XXXX , XXXX. Threatening legal action etc. if I do not pay the amount they requested and/or contact them to dispute or validate said account.

Incorrect information on credit report

This is a dispute pertaining to multiple inaccurate late payments reporting after account was charged-off closed XXXX/XXXX/2011. I disputed with Experian and included a portion of my XXXX credit report but the inaccurate infor- matiion was verified. The creditor has stated that these differences on XXXX Experian report should be disputed with Experian. I did so but was not successful in having this inaccurate, injurious info deleted.

Taking/threatening an illegal action

The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations.

Closing/Cancelling account

Wells Fargo is stating that someone closed my account on XX/XX/2010. I have spoken to every member of the wells fargo bank and they do n't have any record who closed the account. I am in good standing with them and this closed account is affecting my credit report. WELLS FARGO CARD SERVICE XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX

Incorrect information on your report

The collection account was deleted off of my XXXX and XXXX credit reports but keep showing up on my XXXX report and hurting my credit score.

Incorrect information on your report

I have made several attempts to rectify this matter with World Omni Bank, XXXX, and XXXX. I have notified all of them that this account do not belong to me and was open as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Credit line increase/decrease

American Express - They reduced my credit limit without consent. I have not missed any payments or anything that would violate our agreement. Poor ethical practices and in violation of their own terms and conditions.

Struggling to pay mortgage

I HAVE RECEIVED AN APPROVAL FOR A FORBEARANCE AGREEMENT ON XX/XX/XXXX STATING THAT I WAS APPROVED FOR A PAYMENT OF {$0.00} FROM XX/XX/XXXX THROUGH XX/XX/XXXX. NO DOCUMENT NEEDS TO BE SIGNED OR CALLED ON, ONLY IF I HAVE QUESTIONS WHICH STATES ON PAGE 1 OF 4. I AM COMPLYING WITH SETERUS REQUEST AND THEY STILL SOLD MY HOME ON XX/XX/XXXX.

Credit monitoring or identity theft protection services

XXXX XXXX XXXX makes it virtually impossible to cancel membership. They require you to call this number : XXXX - then they tell you to hold for 2 hours! How is this legal? You can sign up online - but you cant cancel your membership online.

Account opening, closing, or management

The terms for the fees on my checking account changed without my knowledge. I am now being charged a $ XXXX/mo fee because the minimum deposit amount changed from $ XXXX/mo to $ XXXX/mo for their workplace banking account.

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

I am attaching a copy of the letter my wife mailed to the credit agencies on XXXX XXXX, 2017. It was mailed well over 30 days ago, and we have not gotten our responses that we are owed.

Incorrect information on your report

This account appears on my credit profile twice. The first one shows that the account was paid as agreed, the second one, which is right below it, shows that the account was a charge off. I contacted the 3 credit reporting agencies in or around XX/XX/XXXX and requested that this information be removed and/or corrected. As of XX/XX/XXXX this information continues to appear on my credit profile.

Incorrect information on your report

On XX/XX/XXXX, put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.

False statements or representation

A lady calling herself XXXX repeatedly called me to collect on a bebt that I incurred in 2007. SHe stated that if I did not make arrangement swith her yeaterday she would file a XXXX form with the IRS and then XXXX XXXX would firl a {$20000.00} lawsuit and if I did not pay, I would be jailed.

Cont'd attempts collect debt not owed

I received a phone call from a representative of a company called " J S Resolution '' threatening legal action against me. I have a recording of this voicemail here : XXXX

Credit reporting company's investigation

I performed an online dispute with Experian in regards to a paid closed account, account shows 30 days late on several months with account # XXXX XXXX XXXX XXXX, when I Called XXXX they were unable to provide proof of 30 day delinquency. Experian stated account is reporting correctly.

Incorrect information on credit report

I 've never lived outside the state of XXXX and the report reflects XXXX addresses in XXXX XXXX, XXXX. I have never lived at that address, nor have I ever lived in XXXX. I 'm not sure what documents I could provide that I HAVE NEVER lived in XXXX.

False statements or representation

Old apartment I used to live in. Before leaving we had an agreement and signed that they owed me {$75.00}. A coupe of weeks later they sent me a bill for {$200.00}. That wasnt what we agreed and just charged me.

Improper use of your report

Why is it that Equifax has not been held accountable for their XXXX actions and walk away with millions of Dollars?

Improper use of your report

I LOOKED AT MY CREDIT REPORT AND NOTICE A LOT OF INQUIRIES THAT I DID NOT AUTHORIZE FRAUD IDENTITY THEFT PLEASE HAVE THESE FRAUDULANT INQUIRIES REMOVED 1 ) XXXX XXXX 17 XXXX 17 XXXX XXXX 17 XXXX XXXX 17 XXXX 17 XXXX XXXX XXXX 17 XXXX XXXX 17 XXXX XXXX 17 XXXX -17 XXXX XXXX XXXX 17 XXXX XXXX XXXX -17 XXXX XXXX XXXX 17 XXXX XXXX XXXX 17 PLEASE HAVE THESE NON ACCOUNT INQUIRIES REMOVED

Incorrect information on your report

XXXX XXXX is not my name, I never lived at some address listed

Cont'd attempts collect debt not owed

I have never had XXXX OR XXXX

Other fee

The credit card charged an annual fee and reported me 30 days late on the bureau they never notified me in writing or otherwise. The account had a XXXX balance. I never been late with them. My credit report was affected over a fee they charge and never notified me. Is this legal can the y affect my credit over a fee they charge.

Improper use of your report

I have no knowlege of the following inquiries on my credit report. I have disputed them on numerous occassions, and the companies have failed to correct the inaccurate information/inquiries reported to my credit report. XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, Prestige Financial Services XX/XX/XXXX

Incorrect information on your report

XX/XX/2018 XXXX XXXX XXXX XXXX has been paid in full I am no longer responsible for this debt.

Cont'd attempts collect debt not owed

central credit services and XXXX credit systems continually call up to XXXX times a day stsrting before XXXX for someone that does not live at my telephone #. I am a senior citizen, they are harrassing me and refuse to stop contacting me. collector calls : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Credit reporting company's investigation

I disputed an inaccurate account balance and they removed the account complete, causing my score to drop XXXX points

Dealing with your lender or servicer

I was shocked when reviewing my credit report and found late payments on XXXX of my student loans on the date below : 90 days late as of XXXX XXXX I am not sure how this happened, as my loans have been in Forbearance for a long time due to my low amount of income. Each time my loans have come out of Forbearance, I have been diligent about contacting you to put them back in Forbearance. These late payments severely damaged my XXXX XXXX and it is not right.

Taking/threatening an illegal action

I was contacted today ( XXXX/XXXX/15 ) by a representative from National Enterprise Systems trying to collect on a payday loan which is likely past the statute of limitations and illegally issued. Legal action and arrest were threatened.

Can't contact lender

I made multiple payments on this account and was never able to get out from under this payday loan. I have tried multiple times.to contact this provider with no success.

Dealing with my lender or servicer

Nelnet has been harassing me since XX/XX/XXXX. Recently when I told Nelnet over the phone that I was enacting my right for them to only communicate with me via XXXX Mail they began calling my adult son about my account. I am still a student and was on military XXXX from XXXX university.

Disclosure verification of debt

I received no notice in the mail or to my email from XXXX XXXX XXXX that a balance was owed. The first communication I received was when I received a notice from a debt collector.

Written notification about debt

I have recieved multiple calls from a collection agency stating I owe {$340.00} to Fifth Third Bank. Upon asking for verification of the debt Im told it will be emailed to me. It never was. After calling back I was told they do not provide proof of debt, only payment arrangement letters. I wasnt able to catch the name of the company however the contact phone number is XXXX

Charged fees or interest you didn't expect

I applied for refinancing on an auto loan with Lending Club and was told the rate would be 2.49 % The payoff on my current loan was XXXX WHEN IT CAME TIME TO SIGH THE LOAN THE LENDING CLUB SAID THE RATE WOULD BE 3.4 % THIS IS BAIT AND SWITCH THEY NEED TO BE INVESTIGATED AND FINED!

Dealing with my lender or servicer

-My college loans were transferred to Mohela three years ago. -I had a XXXX and applied for XXXX relief. -Through the XXXX relief program ( XXXX ) suspended any and all payments to be made to Mohela . -XXXX advised they contacted Mohela of the suspensi

Can't repay my loan

The original loan holder, XXXX sent me an email stating that they have released the account to Enterprise Recovery Systems. I have disputed the account with the school. However, without any form of resolution, I was sent an email stating that I have XXXX hours to submit a payment or else the account would be release to the XXXX party collection agency. I am disputing this with Enterprise.

Incorrect information on your report

I am writing to dispute XXXX XXXX XXXX XXXX # XXXX on credit report number XXXX . The ratiing listed on the account is incorrect. Please delete the account.

Deposits and withdrawals

The Chase Bank has refused to accept US currency as an acceptable deposit. The cash is legitimate, not damaged and was obtained at another bank just moments before I attempted to deposit with Chase. They claimed that it is their companies policy to refuse to accept US currency as a legitimate deposit medium.

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

Great lakes educational loan services has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.

Loan servicing, payments, escrow account

Seneca Mortgage - loan Servicing, Posting of P & I and misapplication of payment.

Incorrect information on credit report

My name is XXXX XXXX XXXX. DOB XXXX/XXXX/XXXX. SSN ***********. I checked credit in XXXX XXXX, had score of XXXX. Suddenly it 's dropped. I signed up with XXXX XXXX. They list a second name of XXXX XXXX. They list an exorbitant number of credit cards. I am NOT XXXX XXXX. Please investigate and inform me who is using my identity and how this happened. XXXX XXXX

Disclosure verification of debt

On XXXX XXXX, 2016 I reviewed my credit report and noticed an account that I do not recall therefore I sent a validation. The validation letter was sent on XXXX XXXX, 2016 requesting information the account Westlake Financial Services claims I owe them.

Incorrect information on credit report

I am a victim of identity theft and the following accounts listed on my Equifax credit report are unauthorized and all fraudulent accounts that are not my accounts : 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, US Department of Education, XXXX.

Improper use of your report

There are inquiries on my report that I do n't recognize and I ask the agent to remove the unknown inquires

Incorrect information on credit report

I dispute the " Date Opened '' as reported on my Equifax credit report. XXXX ( through their subsidiary XXXX XXXX XXXX ) provided me with a collection statement indicating the correct opening date of the original debt is XX/XX/XXXX. Equifax is reporting the acquisition of the debt ( XX/XX/XXXX ) as the opening date of the debt. I have disputed this with Equifax and they have failed to update the report accurately.

Problems when you are unable to pay

I have a car loan with United Auto Credit Acct # XXXX. I spoke with a XXXX XXXX at XXXX XXXX Shes extremely unprofessional and kept threatening me on a recorded line My car payment is 12 days late, I have gotten 17 calls from them back to back I was on the phone and someone was actually calling while I was online with another rep

Took or threatened to take negative or legal action

I had a health emergency that needed to be addressed. I could not afford heath insurance at the time. I was unaware how this would have a negativeimpact to my credit. I was not offered the opportunity of finacial assistance. Date opened XXXX, 2014. Date filed XXXX,2014.

Incorrect information on credit report

After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing.

Taking/threatening an illegal action

Northstar XXXX from New York is the collections agency handling my account. I have been trying to settle my account with them. On Thursday XXXX/XXXX/15, a representative told me that if I did not pay the account in full by XXXX XXXX, 2015, they were going to report me to the local police department and I would be arrested and could face jail time.

Written notification about debt

I did not receive any communication from XXXX XXXX company saying that I owed a debt, was in default on my debt, and that my debt was being sent to collections. I do not know who the original company the debt is through. On my credit report, it says that this debt was opened on XX/XX/2017. I never applied for a debt/loan on XX/XX/2017 and was never told about it. The first time I received knowledge about it was when it showed up on my credit report.

Incorrect information on your report

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

Incorrect information on credit report

I HAVE REPORTED TO THE CREDIT REPORTING AGENCY 'S THAT I WANT TO HAVE MY BANKRUPTCY 'S REMOVED DUE TO THE FCRA SECTION 1681 A SECTION 5 YOU MUST DELETE MY BANKRUPTCY 'S FROM MY REPORT DUE TO THE FACT THAT IT IS A CASE THAT NEVER TOOK PLACE AND THAT WAS ALREADY ADJUDICATED IT IS DEEMED NONEXISTENT ALL CASES IN WHICH ARE ON MY REPORTS THESE CASES THAT WHERE NEVER FILED AND OR ADJUDICATED SO I WANT THEM REMOVED BY THE COMPANY

Improper use of your report

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Communication tactics

I 've mailed this collection company several letters of my XXXX and exempt for collection. The account they all about is not my obligation that of XXXX county XXXX which I had at the time of these charges were incurred

Incorrect information on credit report

Equifax is reporting a mortgage that is not mine and it has negatively impacted my credit and ability to receive loans. I have asked them to expedite the dispute but they refuse.

Shopping for a loan or lease

I paid my loan on XXXX XXXX and it 's still showing up negative when I actually paid up until XX/XX/XXXX

Incorrect information on your report

US BANK keeps reporting a fraud account on my credit report that does not belong to me!! I have been trying to get this matter resolved for years now but they ignore my communications and will not address nor help me to resolve this. the account was opened in XX/XX/2014 with a balance of {$6600.00}. this is not my account nor was it opened by me!!!

Problem adding money

XXXX XXXX, 2017 @ XXXX XXXX Upon creating an account with XXXX, I was prohibited from connecting to my online bank account. They are restricting access to my financial data with no grounds other than the specific service I am using. I see this as gross discriminatory action and expect this issue to be resolved in a timely fashion.

Cont'd attempts collect debt not owed

The debt was from XXXX regarding equipment allegedly not returned. I spoke with XXXX directly and they do not show any debt with them. My collection account keeps getting sold from XXXX collection company to the next.

Improper use of your report

Inquiries were removed due to disputing them and then put back on my report without my knowledge.

Attempts to collect debt not owed

XXXX XXXX XXXX has added XXXX collections in my account for the 3rd time. I have not been to the emergency room at all. This issue was resolved years ago and i also sent information in verifying this was not me. Now here we are again they sold the debt to COMMON WEALTH FINANCIAL.

Communication tactics

IQ Data International made a phone call to my cellphone after they have received and signed for a letter informing them not to call, that I will only conduct business with them in written correspondence.

Improper use of your report

Equifax gave me incorrect info when checking to see if I was impacted by their 2017 security breach. First I 'm told I 've been impacted, then I 'm told I have n't.

Dealing with your lender or servicer

My student loans are through XXXX XXXX. Any extra payment goes to interest and not principle. I did n't think that was legal.

Incorrect information on your report

I have contacted the creditors and the credit Bureaus of several attempts, about 2 accounts report on my file. I have know knowledge of these accounts and they are fraudulent accounts. I would like the accounts to be investigated and if verified, I would like the verified information sent to me. The name of the accounts are XXXX account number XXXX, and XXXX XXXX account number XXXX

Problem with additional add-on products or services

The company has now stopped talking money out of my account for no reason at all and they sent it to collections which is XXXX and XXXX this company is XXXX me over

Disclosure verification of debt

In XX/XX/2011, I developed a XXXX and found myself in numerous emergency rooms. In every case, I asked if I would be held responsible any costs of treatment, that they had other programs available that would take care of any cost for my visit. I was told that the main importance was that I receive the proper medical care for my XXXX. I just discovered that this Emergency hospital visit has been deferred to a collection agency.

Dealing with your lender or servicer

The information I received through Navient about repayment and amount owe did not seem to align with payments I had paid to XXXX XXXX prior to loans being sold.

Cont'd attempts collect debt not owed

Clarifying my address XXXX and ss # for credentiing must respond or legal action will proceed. Also calling my family members to verify my information

Incorrect information on credit report

I have disputed with the credit bureaus and XXXX several times because they are showing on my credit report as debt transferred or sold. I also received something in the mail stating that XXXX no longer has the loan and I do n't understand how the credit bureaus and XXXX are reporting and updating my credit report showing late payments when they no longer own the debt any longer.

Disclosure verification of debt

On the XXXX contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.

Incorrect information on your report

I have in the past been the victim of ID Theft and have had a lot of issues getting info corrected. I have had a fraudulent address removed and now it is begin re-reported. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX DOES NOT BELONG TO ME AND NEEDS TO BE REMOVED!!!! My Address is XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX I have attached a copy of my Drivers License showing my correct address.Please correct this problem

Attempts to collect debt not owed

I have attempted several times to get this collection removed that is from Santander Consumer. I have provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. This is not my account. Please help me to get this item removed from my credit file.

Charged bank acct wrong day or amt

California Budget Finance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. XXXX. Charged my XXXX XXXX Bank Account for {$300.00} without my consent in violation of the Fair Debt Collection Practices Act.

Improper use of your report

Purchase a vehicle last year XXXX/XXXX/XXXX, had a approval from my credit union bank and apparently the car dealership ran a credit inquiry regardless ; now because of this equifax breach I see these XXXX hard hit on my reports as will in XXXX & i want them off. I 've submitted request with no results.

Incorrect information on credit report

Equifax shows charge off as status every month for 24 months. Should only report as charge-off for 1 month.

Attempts to collect debt not owed

HIPAA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY TRANSUNION CREDIT REPORT DUE TO ID THEFT / CRA VIOLATION LATE PAYMENT THAT I NEVER LATE / TOO MANY DIFFERENT NAME, ADDRESS, AND INQUIRIES NOT AUTHORIZED BY ME.

Deposits and withdrawals

Bank of America inconsistently deducts monthly maintenance fees from my checking account on arbitrary days. I attempted to discuss and resolve this issue with them today ; however, they could not provide any logical explanation as to why this date varies from month to month. This inconsistency creates a financial burden, impacts my budget and makes it difficult to keep my account balanced.

Problems when you are unable to pay

Hi, I receive multiple calls a day back to back. I receive calls from XXXX to right before XXXX at night. During my work day I am unable to answer my phone but they constantly call my cell back to back, an hour apart. Is n't there a law protecting the consumer from back to back calls, especially on their cell phone?

Incorrect information on credit report

I have paid off the debt to Procollect on XXXX/XXXX/15 which was a debt in the amount of {$440.00} + {$7.00} ( procollect fee ) = {$440.00} for XXXX XXXX XXXX. I paid the account off through XXXX XXXX XXXX who also charged a fee of {$5.00}, which will be shown on the attached receipt. I have spoken to Procollect about removing the item from my credit and was told it will be removed but the debt still continues to report as unpaid.

Attempts to collect debt not owed

On XXXX/XXXX/XXXX XXXX XXXX called from XXXX from Delta Management and attempting to collect on educational debt. She refused to remove my contact information from their calling system after I told her that she was looking for someone else with the same name and date of birth.

Incorrect information on credit report

XXXX has an account on my credit report. They have posted wrong information on my credit report in order to extend the time that the trade line stays on my credit report. The XXXX trade line needs to be removed from my credit report immediately.

Credit monitoring or identity protection

I am a victim of fraud someone has been using my ss number that have recently did XXXX credit inquiry and used my debit card gained access to my info since 2011.

Incorrect information on credit report

There are XXXX accounts on my credit report that are not correct ... XXXX Bank master card ... never had XXXX ... .XXXX ... charged for an item not received ... XXXX..acct. paid off over six years ago and equipment turned in ... do not owe any balance

Advertising and marketing

Capital one has been soliciting me aggressively for a credit card after I asked them to stop sending me offers. One time they made me an offer, I accepted and then they closed the account before I could use it. They removed the inquiry off my report as agreed to in my previous complaint. But they have n't honored the agreement.

Incorrect information on credit report

Transunion is continues to report a account that does not belong to me that I have disputed several times according to my rights under FCRA. I also have provided them with proof from XXXX that states they can not locate and account number under my name, social security, date of birth, etc ... I am hoping that the CFPB can help me get some results.

Written notification about debt

called this company for several months they said they sent me a card swiped they didn't ask them to prove they sent it they didn't please take this off my credit report so I can go on with my life Please