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Debt collection | I do not know | Someone showed up at my door claiming to be law enforcement and said he had an arrest warrant for me but if I contacted the agency he wouldnt have to arrest me. He has shown up twice wearing a badge around his neck. I didnt ask him to show me his badge but I will next time he shows up. |
Checking or savings account | Savings account | I opened a savings account to Goldman Sachs on XX/XX/2020. I made a deposit to their bank and ever since I've had issues logging in and accessing my funds. I tried calling and follow their directions in what to do and yet I'm still locked out. I deposited XXXX dollars and to my dismay they make it hard to access that money. Its not about the amount but the principality of allowing costumers their entitled money. |
Debt collection | Other (i.e. phone, health club, etc.) | I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have been trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on XXXX and a couple of days ago credit XXXX told me that a bankruptcy came on Transunion now in addition to XXXX. It is not on XXXX. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This is the second time I've updated this questionable information by sending a letter to the XXXXhree credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE NO IDEA WHO WOULD HAVE BEEN ABLE TO DO THIS TO MY CREDIT. I HAVE NOW BECOME A VICTIM OF IDENTITY THEFT BECAUSE I AM SURE THE ACCOUNT AND INQUIRIES BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. DO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT BELONG TO ME. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have disputed an account with XXXX XXXX several times with experian. The account number is XXXX. This account was closed and charged off in XXXX of XXXX XXXX XXXX has been manipulating the data to keep pushing the date of federal obsolescence forward and maximize the point loss for it.
As you can see from the enclosed copy, they stopped reporting the delinquency just after they charged the account off and closed it. But in XX/XX/20, suddenly they report that the account was 150 days late for the month of XXXX.
This is a clear violation of the Fair Credit Reporting Act requiring the bureaus to report the correct present status of an item or delete it. It is willful non-compliance by XXXX XXXX for manipulating data with the sole purpose of moving the obsolescence time frame forward.
This would be a valuable case for you to publicize. How many hundreds if not thousands of XXXX XXXX customers are having their data manipulated for this reason. What is this manipulation doing for the validity of credit scores which XXXX XXXX and the bureaus promised to Congress would be " empirically derived and STATISTICALLY SOUND ''? |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I contacted via phone and every rep I spoke to told me to send my disputes through mail. I sent my letter on XX/XX/2021 and havent received a response. Im unsure to why I have been ignored. I take my credit very seriously and I need the incorrect information listed on my credit report deleted asap. Being that it has been over 70 days I dont have time for them to do an investigation because it should have already been done. I need the incorrect information deleted as soon as possible and I will not wait another 30 days. This situation has been stressing me out and Im willing to file for litigation if need be if these items arent deleted asap. |
Checking or savings account | Savings account | On XX/XX/2023 at about XXXX XXXX. I went to JP Morgan Chase located at XXXX XXXX XXXX, XXXX XXXX XXXX after getting no explanation of what had occurred to my daughters savings account. I spent 3 hours on the phone with customer service representatives at XXXX and XXXX. I wasn't told who had deposited the false checks, where, or when it actually occurred. I was told that I had to physically go into my local branch and make a deposit of {$100.00} or more. Upon, arriving at the bank and speaking to the cashier ( XXXX XXXX XXXX who couldn't explain to me what happened to the balance of {$620.00} that was in my daughters account I explained to her that I spoke with people at the listed above phone numbers and was told to deposit {$100.00} to remove the restriction from my daughters savings account. I made a deposit of {$200.00}. The cashier couldn't explain to me what had happened on the account and started to get loud and then proceeded to blame my daughter for making the fraudulent deposits in the amounts of {$500.00}, {$200.00}, and {$290.00}. When I asked to speak to someone else she stated " no, there is no one else that I could talk to ''. Realizing I wasn't going to get anywhere with the angry cashier I decided to return home and and call the numbers again. After getting someone on the line I was told that Chase was discontinuing their relationship with my daughter and they terminated her account. When I asked why were they terminating their account I was told that " my daughter phoned the bank at XXXX XXXX on XX/XX/XXXX and stated that she was involved in a money scheme ''. When I asked how could you verify my daughters voice and to let me hear the call my phone call was then terminated. |
Checking or savings account | Other banking product or service | My paypal account has been locked for more than XXXX I need to remove my fund in my paypal account Email in my account is XXXX XXXX |
Vehicle loan or lease | Loan | Credit Reports show inaccurate reporting from XXXX XXXX XXXX. I spoke an Admin on XX/XX/XXXX and XX/XX/XXXX about the letter I wrote.
Still there is no resolution to my credit report reporting deliquency on my car payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX?
This letter is being sent to you in response to a computer generated, signed letter dated XX/XX/XXXX, letter received by Claimant from your office.
Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq.
All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant.
In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.
This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections.
I respectfully request that your office provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.
At this time I will also inform you that if your office have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws.
Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have ( 30 ) days to produce the required documentation in accordance with FTC guidelines.
During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented.
This includes listing any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately.
Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | JPMCB. CHASE CREDIT CARD STILL SHOWING OPEN - NEED ATTENTION I DISPUTED ACCOUNT CLOSED - INCLUDEF IN BANKRUPTCY IN XXXXXXXX XXXX SEVERAL TIMES NOW STILL THERE |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXX XXXX. I called XXXXXXXX XXXX XXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date.
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit. |
Checking or savings account | Other banking product or service | I went to M & T bank and took out a XXXX XXXX account. I change it to my nephew name XXXX XXXX. In 2020 I put it back in name. My name is XXXX XXXX. I called M & t bank and XXXX XXXX and I never got through to the XXXX number or response from XXXX XXXX. My nephew recieved a 1099-R from the XXXX XXXX I brought from M & T bank saying he took out {$8.00}. He never took out any money from the XXXX XXXX XXXX. They are lying. M & T bank gave me the same number. XXXX XXXX gave meXXXX. The 1099-R should be in my name because it has changed to my name and no money was taken out by me or my nephew. He will be unable to get a refunf because the lie XXXX XXXX I brought from M & t bank saying my nephew took out money. They said he took a taxable amount. They say {$8400.00}. Please help to get this matter fixed.. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XX/XX/XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Had credit card with XXXX, had good credit, and when they filed Bankruptcy, it was noted that it was derogatory on my be half! I had long good standing with the company! It should not be a derogatory statement on my credit report! |
Credit card or prepaid card | General-purpose credit card or charge card | My concerns are that the credit card company did not acknowledge hardship and continued to add late fees and added interest that was not at the reduced APR as agreed.
I contacted Comenity bank in XX/XX/XXXX and explained that I needed payment assistance and request to be placed in hardship program. I spoke to a rep from overseas and the payment arrangement was set for 12 months and I began the program ( so I thought ) In XXXX, I began to receive phone calls from Comenity bank stating that I was past due and I notice that the charges they placed on my account for late fees and ridiculous amounts of interest. Under the hardship program, there was a reduced ARP of 10-11 %. This was not it. I called on XX/XX/XXXX and was told that the last rep I spoke to did not enroll me into the hardship program, and did not offer to fix the issue. They simply said they can enroll me at that time. But I asked several times how and explained that I obviously did because I have payments scheduled for the reduced amount for the next year at the reduced rate. The rep did not have any solutions and did not offer to reverse previous charges that should not been on the account. I requested to speak to a US representative and was placed on a long hold to wait. Once a US representative was on the line, she did not see the XXXX conversation either and stated that after a few billing cycles the late fees should be reversed but now my credit score has lowered tremendously behind this and due to the high interest they werent supposed to charge me and late fees, Im nearly at the max and I dont know how to fix this. Its hard getting through with the telephone number thats on the card and on the website. Then, the company decides to lower the limit on my NYC credit card from XXXX to XXXX further damaging my credit score and left me with a remaining credit limit of XXXX. I paid that account on time and didnt have any issues with that account so Im frustrated with this company and their unfair practices. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX # XXXX is reporting an account to my credit report that is already paid in full and extremely old. I have asked them multiple times to remove this and they have not done so. There is no reason for it to still be on credit and I would appreciate if it was removed. |
Credit card or prepaid card | Government benefit card | I have been using my BofA EDD Debit Card for over year and half now. I've never had an issue with it. Prior to travel out of the country I had notified their department of it promptly. All of a sudden I find out that my account without prior notice whatsoever, has been blocked and locked. I am not able to access my funds, nor login into it, nor make any transactions while out of the country during the pandemic.
This is despite the U.S. District Court prohibiting Bank of America from freezing EDD debit card accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called and spoke on XX/XX/2021 with BofA reps/supervisors for two hours.
They're telling me the ONLY way to get this resolved is for me to PERSONALLY SHOW UP in a branch and present IDs. That is now not possible while I am out of the country till unknown foreseeable future with the pandemic. In the past, any issues I had to do with verification with BofA I would perform them on the phone with pin codes, security questions, etc. I have offered to submit my form of ID 's via email or online where I can upload them securely. They would not hear none of it. I am locked out completely from my only source of income while I am outside of the country during the pandemic! |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC1681.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On Friday, XX/XX/2022 I Spoke with a representative by the name of XXXX who is a representative of XXXX XXXX. XXXX refuses to remove the two delinquent payment status that is currently reporting to my consumer report. I explained to XXXX thoroughly that I encountered these two late payments during the Pandemic of " Covid 19 '' and that this status should be marked as " Current '' during this unprecedented time. XXXX states that XXXX XXXX is unaware of the " Cares Act ''. |
Debt collection | Medical debt | This debt was paid in full, I continue to get daily calls from them. When I explain it was paid in full they say " we will close the account ''. I just spoke with a rep. who was again very rude, when I ask to speak with a supervisor she said " no problem 5 times '' and yes this should be recorded. When I spoke with the supervisor ( Mr. XXXX ) he said that someone was " dropping the ball '' in the office and not closing the account. I said that sounded like an internal problem and ask if I would continue to receive calls and he said " until it's closed. Every person I have spoken with there is very rude, also per the Company the messages were recorded. Dates of calls XX/XX/XXXX,XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | To Whom It May Concern : I am writing in regards to the late payments on my credit report for all missed payment from the Nelnet accounts & XXXX XXXX XXXX XXXX XXXX XXXX . <P/> I understand how important it is to make timely payments, and that failure to do so created an inconvenience. However, I missed my payment because of the hardship of my parents passing away, but I have consolidated my loan with XXXX XXXX XXXX to ensure my financial responsibility moving forward. <P/> As a courtesy, I am requesting that you send a letter to XXXX and XXXX in goodwill adjustment and remove the late payments from credit reports because of the following : I have owed Nelnet sinc e XX/XX/XXXX and that has been 7 years of missed payments and can be removed according to the law under the Fair Credit Act. The credit reports state X unknown since XX/XX/XXXX b ut the truth is they were all missed payments. When I ask they state that X means not reported but it is reported and it states unknown and that is not good because that makes my credit report look bad too. That needs to be removed because not true. They know and it is not unknown and by law I can have it verified and they just dont want to remove it, but by law it has be removed after 7 years. OK on the credit report mean what? I never paid for those months so where is the proof? Missed payments? I never made payments at all. The balance remained the same until I consolidated to XXXX balances. In actuality I still never paid anything and still on XXXX a month plan due to financial difficulties. If they stated missed payments then that means I paid some payments, but I never paid anything. 42 loans Nelnet on my credit report and I only had 18 loa ns before the consolidation last summer. I was told that when I consolidated the loans that all the loans that were paid off would not be listed in their entirety, but very sad to see they doubled and tripled loans that made my credit situation worse than it was and it was uncalled for and they can be removed. <P/> I have consolidated all my loans XX/XX/XXXX with Nelnet and recently XXXX XXXX XXXX has my loans. The only people that should be on my credit report should be XXXX XXXX XXXX and not Nelnet because of all the manipulation of records and I ask that you send a letter to the credit bureaus in good will and thank you in advance. This will help to help improve my credit worthiness and give me renewed confidence. <P/> Thanks in advance. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX.
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. |
Debt collection | I do not know | Midland Credit Management , Inc located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX CA XXXX, has sent me a letter claiming I owe a debt to them. They claim XXXX XXXX as the original creditor.
On or about XXXX XXXX, XXXX I sent Midland Credit Management Inc a certified letter, return receipt requested, asking to explain and validate this debt. Though the reciept was signed and sent to me, they have not replied. Today, XXXX XXXX, XXXX, I received a letter from them requesting payment for this debt. I believe that this debt was paid in full in XX/XX/XXXX or XX/XX/XXXX. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Upon review of my Experian and XXXX credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified. |
Checking or savings account | Checking account | Arvest bank denied over 100 transactions made by XXXX from XXXX till XXXX of XXXX. Signature is fraudulent. Charges were made daily. No fraud protection was offered by bank. No contact was made of this suspicious activity. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | My name is XXXX XXXX. I have been battling with these credit reporting agencies since 2021 regarding incorrect information on my reports. I have done all I can do and need help. I've gone to the police and filed a report. I've even gone to the FTC and filed reports but they refuse to do their job. My purse was stolen a few years back at a nightclub and I've had credit issues and ID theft issues ever since. This is effecting my life!!! |
Student loan | Federal student loan servicing | I have sent several emails anc called and mailed showing Missed payments, and nothing just saying the same count refusing to investigate payment to that are inaccurate and missing years of payment XXXX to XXXX when you call you are told different stories what to believe. This is so frustrating that this is suppose to help us but instead it is a full time job fighting with them to document money you paid. I am tired after 20 plus years of teaching and the last two years of pandemic teaching there has to be a better way |
Checking or savings account | Other banking product or service | " You stated that the account should be in your name being that the account is under the social security number of your child. You stated that the Bank has accepted the transfer and allowed this person to steal your money without checking the validity of the name of information from the party whose account it is. You are requesting that the funds be returned, the account changed, and transfer your funds to a more responsible institution. '' First and foremost, in a previous complaint submitted Bank of the West stated that I am not the account holder for an account that has my childs ssn on it which could perhaps in question. This account was more than likely transferred from an account that has my childs ssn on it at XXXX. YOU ARE REQUIRED TO VERIFY WHERE FUNDS CAME FROM UPON ENTERING YOUR INSTITUTION. I did not sign anything to have my account transferred to someone else where the ssn or tax id is different. If you take privacy and security seriously, this would of been investigated by your institution. I am the ONLY guardian of my child and if the account is opened using my childs ssn, it is FRAUD. Any bank would know that if I clearly called them to state MY INQUIRY. if you pulled my childs ssn up and an account pulls up, that means it is in fact my account regardless whose name is listed. I submitted a police report. Your conpany clearly doesnt know your role in verifying where funds came from and whose account it came from. The funds came from an account owned by me with my childs ssn on it amd was transferred to another institution to a person I have no clue who they are. How is that not fraud. Did this person show proof that the ssn used is his or a childs. Tax id numbers are supposed to be verified when used. Clearly you did not verify it! Failure to follow regulations. I want the account associated with my childs ssn found. SEC has been notified of your fraudulent acts and inability to research my issue. |
Credit reporting or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. |
Debt collection | I do not know | I have been disputing this account for some time now with CREDIT MANAGEMENT. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it. |
Debt collection | Auto debt | On XX/XX/XXXX a sworn Affidavit of Truth Was Sent by certified mail in regards to 9 Federally Protected Consumer Violations under 15 USC 1692 Please be advised from sworn Affidavit of truth PenFed Credit Union failed to validate my debt request. In fact there respond is attached below as Exhibit A.In addition to pursuant to The Fair Credit Reporting Act15 USC 1681a ( 2 ) under Exclusions of a Consumer Report 1681a ( 2 ) Except as provided in paragraph 3 the term consumer report does not include -- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. Pursuant to the definitions section of Truth In Lending 15 USC 1602 ( l ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Fact I am aware the card used to initiate this credit transaction was my social security card. Therefore any transaction that arose from this credit card should not be furnished on my Consumer Report.
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that PENFED CREDIT UNION is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ).
Fact, affiant is aware that PENFED CREDIT UNION did not validate the alleged debt pursuant to 15 USC 1692g and is in violation for failure to validate the alleged debt by my request made on via certified mail XX/XX/XXXX. In fact PENFED CREDIT UNION provided documents in the form of positive statements along with deceptive and misleading forms of information.
Fact, affiant is aware and has proof in which exhibit A attached PENFED CREDIT UNION is a debt collector under definitions sections of the FDCPA 15 USC 1692. ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
Fact, affiant is aware and has proof in the attachments labeled as Exhibit A stated that a debt was allegedly owed, in Exhibit B, Exhibit C, Exhibit D, Exhibit E, Exhibit F, and Exhibit G PENFED CREDIT UNION is in violation of 15 USC1692 ( e ) ( 2 ) ( a ) of the amount of alleged debt owed. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/XXXX I and XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, and XX/XX/XXXX sent an investigation to the credit bureaus to check every piece of information on my account certified mail. I told them to investigate everything on my credit report and to make sure every is XXXX percent accurate. Here is my certified mail USPS tracking numbers Tracking Number : XXXX, XXXX, XXXX Transunion did not review and send supporting data furnishers, because if they did then they know these items shall not be on a consumer report.
They did not do any proper investigation based on 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associate of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
They also violated my rights numerous times.
The credit bureaus violated my given rights under 15 USC 1681.
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. so far nothing has changed and they keep saying verified but did not do it because they did then this complaint would not be here right now which has been emotional due to the whole process and now this takes more time too.
Transunion keeps saying verified and accurate with no changes. made. They said they looked it up but didn't do personal interviews and said this is factual information is allowed that was not properly verified. my response was if so who did their personal interview and how come you violated my rights. So far no changes have been made.
Thank you Mr. CFPB for looking into this. |
Debt collection | I do not know | XXXX A woman from a Colorado area code has been calling daily since XXXX looking for another person who I do not live with or has never used my phone number. She said that she is from XXXX XXXX and that it is an urgent matter. Today ( XXXX ), she left a voice message indicating that she associated with an official agency, eluding that she was associate with the government. She left a number, which I investigated and found that it was a debt collector. |
Debt collection | Mortgage debt | I obtained a second mortgage from XXXX XXXX in XXXX and in XXXX the mortgage was charged off. I stopped making monthly payment since the account was charged off.
I continued making payment on the first mortgage which I modified and current with my payment. But lately, XXXX, XXXX XXXX who had not contacted me since XXXX when the mortgaged was charged off contacted me and demanded payment.
I returned the call and the rep told me on the phone that it is a charged off account.
i had a XXXX which Iam still under treatment and recovery program.
My complaint is, since, the account was charged off by the bank in the year XXXX which is eight years ago, I am no longer in-debited for repayment.
I want to know my rights and what can be done to resolve this matter.
As of now, my income is limited. I will appreciate a favorable referral and resolution. |
Credit reporting or other personal consumer reports | Credit reporting | I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear. |
Credit card or prepaid card | General-purpose credit card or charge card | I have always paid my CapitalOne XXXX bill on time and in full. For some reason my payment due XXXX XXXX set up via electronic transfer was posted a day late by Capital One. I called Customer Service, spoke to XXXX XX/XX/23 and was told the late fee & interest would be removed from my account. I asked if future interest would accrue & was told that if it did I should simply call & it would be removed. Got my bill due XX/XX/XXXX and, after having paid my XXXX bill in full, received a {$13.00} interest charge. I again called Customer Service to explain that I was told to call if any interest appeared -- and was told the agent couldn't do anything about it. I asked for a Supervisor and was transferred to XXXX. He told me he could remove the charges, but I had to pay the amount of the bill plus the interest charge. I told him that was not what I was told and that I shouldn't have to pay the interest charges. Further, I explained that if they were going to use predatory practices, I would simply cancel the account. He hung up on me. I then called Customer Service again, explained what had transpired, and told them I was going to pay for all my purchases now & wanted my account closed. They refused to do that unless I agreed to their terms which would require me to pay interest until I paid my bill plus accrued interest. I tried to pay my bill on line and it would not let me pay the full amount of my total purchases to date. Thus they continue to lie & steal. They should value the customers who pay in full & not use deception to increase their bottom line. Again, I would like to pay the {$850.00} I actually owe for purchases & cancel my account. I do not need XXXX 's credit card. There are too many legitimate credit card options out there. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Date Updated : XX/XX/2021 |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I was working with First Tech Credit Union and asked for a pre-qualification letter for a mortgage and was told via email it would not greatly impact my credit score ( email below ). After that conversation, a XXXX point decrease in my score was noted via XXXX XXXX and XXXX. I don't recognize the XX/XX/XXXX pull and did not authorize anything on XX/XX/XXXX.
I would like the XX/XX/XXXX pull removed from my score per 15 U.S.C. 1681G. Please let me know if you require additional information.
Thank you, XXXX ________________________________________ Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/XXXX and Credit Alert New Inquiry Reported By XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ________________________________ Good evening XXXX, You are most welcome!
Sorry for the late reply, I have been covering for a few other mortgage loan officers this week.
Regarding your credit check, yes it would be a necessary part of the application process, as this is required to add up your liabilities and determine your score.
The good news is that a credit check is good for 90 days and it will have a very minimal impact to your score.
Any small impact incurred you usually get back the following month.
Should you have any questions about the mortgage application process, please feel free to reach out this week!
My direct line is XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | There were multiple inquiries made to my credit without verification or consent on XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | NowCom/Westlake Financial have accessed my consumer report without my authorization. Unauthorized use of a consumer report is unlawful and is identity theft. I never gave them permission to access my consumer report I have never heard of this company. I never gave written or oral permission to obtain my credit report. Please delete this inquiry immediately.
This inquiry occurred on XX/XX/2022.
My name is XXXX XXXX Last 4 of my social security number is : XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | After pulling my credit report I found several errors on my personal information.
These name variations are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have several addresses on my credit report that I have never lived at and I need to make sure no one is applying for anything in my name. I have never lived at these addresses but some may be family members addresses : Please REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX These telephone numbers are not accurate, please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Consider this as a follow-up complaint to my previous attempt dated XX/XX/XXXX. I want these items to be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive already included this in my previous Complaint & I am including it again., |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Well I looked at my credit last month and an charge was on it for an apartment I've never been to was on it XXXX XXXX is the name I called the credit company that has the account and told them the name is columbia debt recovery/genesis and I don't see how they didn't see its not me the name of the person 's are different from mine |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without mt written instructions, in addition they also violated 15 USC 1692c ( a ), and 15 USC 1692b ( 5 ). Documents uploaded shows proof. Accordance with the fair credit reporting act XXXX accounts were violated |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX, Transunion, and XXXX are in violation of 15 USC 1681 subchapter III, Section 1681i Procedure in case of disputed accuracy, Treatment of Inaccurate or Unverifiable Information. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall, ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
I have attached documentation from XXXX Credit Report that shows XXXX, XXXX, XXXX did not complete a through investigation, the information is incomplete, inaccurate, and could not be verified, but they kept it on my credit report anyway. The account numbers are different, date opened, last reported date, comments, monthly payment, account status, and the account type to name a few. Each credit agency has different information, so how could they have done a through investigation. delete all accounts with inaccurate information immediately. |
Debt collection | Credit card debt | XXXX XXXX XXXX XXXX is demanding {$610.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner.
XXXX XXXX XXXX XXXX are debt collectors demanding a debt on behalf of Capital One Bank ( USA ) N.A. I have not received any goods or services from XXXX XXXX XXXX XXXX and I do not know how XXXX XXXX XXXX XXXX received my private information.
XXXX XXXX XXXX XXXX previously damaged my credit files with this information XX/XX/2022. This account was successfully removed due to XXXX XXXX XXXX XXXX failure to honorably verify their alleged debt and prove they are holders in due course with permissible purpose from me to report to my credit files. Please be advised no goods or services were provided from XXXX XXXX XXXX XXXX. I am being harassed.
As of XX/XX/2022, XXXX XXXX XXXX XXXX will receive a validation notice via certified mail no. : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is aware they do not have a permissible purpose to contact me for any reason in regards to anything. There are no contractual agreements to support we have agreed to honorably conduct business. I do not agree to pay/tender anything to XXXX XXXX XXXX XXXX XXXX on behalf of another company at the expense of my private information being on display to whomever.
I am not a party to any agreements that XXXX XXXX XXXX XXXX may or may not have with Capital One Bank ( USA ) N.A. I am not responsible for XXXX XXXX XXXXXXXX XXXX purchase / transfer from Capital One Bank ( USA ) N.A I have not agreed to pay/tender anything to Portfolio XXXX XXXX XXXX XXXX
I have contacted Capital One Bank ( USA ) N.A in efforts to clear this matter with the original creditor. I would like to know the name and number of the authorized representative that released my detailed private information to XXXX XXXX XXXX XXXX. At this time, I demand no further contact from any associate or authorized representative of XXXX XXXX XXXX XXXX.
My credit files are not to be reported to or damaged in regards to this matter as XXXX XXXX XXXX XXXX, are not Holders In Due Course with contractual agreements to support goods or services provided to me.
All calls are recorded for my safety Please be advised that XXXX XXXX XXXX XXXX, are not Holders in Due Course. Please Cease and Desist.
I have included all proof in the attachments. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2018, I disputed an account with TD Bank NA that is on all of my credit reports. Thirty-three ( 33 ) days later, TD Bank authored a letter in response to my dispute, which they received and stamped received XX/XX/2018.
TD Bank dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. TD Bank also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business.
On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed.
I am also including a copy of my credit reports showing that the account is still listed as my account.
On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements.
The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies.
I am providing evidence to corroborate my statement that TD Bank NA has violated the FCRA and FCRB and did not provide me within the thirty- ( 30 ) day time frame as required. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong. |
Debt collection | Credit card | Someone other than myself who was not authorized by me has illegally obtained a credit card and defaulted on the charges. This collection agency purchased the debt from a credit card issuer that is no longer in business and illegally obtained a default judgment against me without my knowledge. When I was made aware of the debt, I requested evidence to support/validate the debt as belonging to me. This company has nothing to support the debt or judgment being accurate. |
Debt collection | Credit card | see attached dispute letter I got from the CFPB |
Student loan | Federal student loan servicing | XXXX XXXX, XXXX XXXX, am writing this complaint without any assistance from any third parties. I am requesting the following documents in response to FEDLOAN response to the previous complaint : Please provide an authenticated record that verifies that I gave FEDLOAN consent to share my nonpublic personal information to the consumer reporting agencies. Please also provide an authenticated record that verifies that I gave consent for FEDLOAN to share my nonpublic personal information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I lost my wallet last year with my social security card and ID inside. Ive been struggling with this ever since. |
Debt collection | I do not know | On XX/XX/XXXX I was alerted by XXXX that a collection was placed on my credit report by a company COMMONWEALTH FINANCIAL SYSTEMS. I have no knowledge of this company nor was i EVER contacted about any debt owed. I have not been contacted via phone, mail, or email so I assumed this was a mistake. I don't understand how anyone can placed ANYTHING on your credit without giving you an opportunity to acknowledge it, address it, fight, or dispute it. I don't know if that is even legal to do but I know its not right to do.This is not fair for any company to place for what I know FALSE information on my credit file without my knowledge. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I HAVE SUBMITTED MULTIPLE DISPUTE REQUESTS WITH ALL XXXX XXXXREDIT BUREAUS TO REMOVE CERTAIN ITEMS ( BELOW ) OFF MY CREDIT REPORT AS I WAS A VICTIM OF IDENTITY THEFT SINCE XXXX & MULTIPLE ACCOUNTS HAVE BEEN OPEN IN MY NAME AS WELL AS MULTIPLE INQUIRIES INCLUDING AS RECENT AS TODAY. THESE CREDIT BUREAUS KEEP COMING BACK WITH ACCOUNTS VERIFIED WHICH IS NOT TRUE THESE ACCOUNTS DOES NOT BELONG TO ME AND I NEED THEM REMOVED IMMEDIATELY XXXX ACCOUNTS * XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/2012* XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX XXXX OPENEDXX/XX/2012 * XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX * XXXX XXXX XXXX XXXX OPENED XX/XX/2013 XXXX XXXXXXXX XXXX XXXX OPENEDXX/XX/2017* XXXX XXXX XXXX XXXXXX/XX/2019 XXXX XXXX XXXXXX/XX/2021 XXXX INQUIRIES XXXX XXXX ; XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXXXX/XX/2021XXXX XXXXXX/XX/2021XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/XXXX XXXX XX/XX/2021XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2021XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2021XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXXXX/XX/ XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/2021XXXXXX/XX/2021XX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/2020 XXXX XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020XXXX XXXX XXXX XX/XX/2020XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020XXXX XXXX XXXXXX/XX/2020 XXXXXX/XX/2020 XXXX XXXX XXXXXX/XX/2019 XXXX XX/XX/2019 |
Credit card or prepaid card | General-purpose credit card or charge card | I filed a Dispute with Chime XXXX XXXX XXXX and XXXX XXXX on an unauthorized transaction to a XXXX XXXX XXXX XXXX in XXXX Overseas for the amount of {$1100.00}. My information was stolen from my phone and they hacked into my accounts and changed my information on my Chime Credit Builder account and made unauthorized purchase overseas on XX/XX/2021 Chime member services changed my name to someone else on my account unauthorized. My email and phone number on XX/XX/2021 from this person who hacked my account. I disputed the Transaction and sent them information evidence they sent me threw my new email on my account because had to change old one that was used hacked into.they closed out my cards and sent me new ones on XX/XX/2021. Now I am still fighting for my dispute from money that was stolen out of my account. The Dispute ID # XXXX with Chime The XXXX XXXX and XXXX XXXX. They keep denying my claim with out sending me information why it was denied. I had a hold and suspicious activity on this account all noted in there systems and emails. I contacted them everyday filed police report, Cyber Crimes report and sent them eviendece 3 times or more and still they denied my dispute. They will not tell me why and hang up on me. This was an international transaction threw XXXX and My international transaction is blocked in my account so I don't see how this happened in my account I think it was an inside job A chime worker who did this. They said on their website that my money was FDIC insured and my data and information was safe but it wasn't safe. I do not trust Chime XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting Act Source XXXX XXXX # XXXX, has violated my rights.
15 USC 1681 Section 602 states, I have the right to privacy.
15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B states, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. |
Debt collection | Other debt | This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts. ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communicati
on with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
1006.14 Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
1006.22 Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
1006.30 Other prohibited practices.
( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | i have been trying for the past few months to have this issue resolved.This account has been re aged and is a violation and needs to be deleted off of my report.
transunion is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX XXXX is reporting date of last activity as XX/XX/XXXX date of last payment XX/XX/XXXX I will attach a copy of my report as proof. They are in violation i want this deleted immediately. |
Debt collection | Non-federal student loan | Collection companies buy and sell a student loan debt that is not valid debt of mine. I have written each company that has serviced said debt to explain that this is NOT a valid debt and the collection company either sells the debt to another company or has another collection company service the invalid debt. The latest debt collector is Regional Adjustment Bureau, INC of XXXX, TN XXXX XXXX XXXX XXXX. This aforementioned company continues collection efforts after written and verbal notification of invalid debt and solicitation at a work phone number. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have a debt reported on my credit report from Convergent Outsourcing. It is for a debt claimed by XXXX.
On XX/XX/2019 I submitted a request to XXXX to validate the debt in writing or remove the incorrectly reported account from my credit report.
On XX/XX/2019 they mailed a letter refusing to remove it. They have not provided any proof in writing that the debt is mine.
I do not owe XXXX anything and request XXXX XXXX to remove it from my report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | It's been WELL over 30 days since my first attempt to get PROOF and MY SIGNATURE and or the ORGINAL application or contract that Okayed any of these companies to view my credit ON ANY DATE or a specific date due to a duplicate inquiry or no consent.
Legally these inquiries have to be removed!! I have attached the list and all are INCORRECT/INACCURATE/DUPLICATE/NOT APPROVED by me. My last 3-6 request to get these removed shows the laws you let these companies and are now violating..
Show proof of an open account or the orginal DENIED application with my signiture PLUS proof I wasn't denied due to OTHER INQUIRIES that should had not appeared on my account. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* XX/XX/XXXX RE : 2nd Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquiries have been made.
I contacted the sources of each of these inquiries who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.
I request that you initiate an investigation into these inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above.
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.
XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive ( XXXX ) XXXX XXXX , XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + XXXX XXXX ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Utilities and Fuel ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automotive XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX Thank you for your assistance in this matter, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX* |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX, dba " XXXX '' acquired the servicing of a mortgage loan on a rental property in XXXX in XX/XX/XXXX. All payments were made on time or early. The property was sold in XX/XX/XXXX and the mortgage was paid in full. At no time was this account delinquent or in any other way in violation of the terms of the mortgage. In XX/XX/XXXX I filed a chapter XXXX BK due to XXXX XXXX. I phoned XXXX and advised them the judge did not have me forfeit the property due to it's diminished value after Hurricane Katrina ( at the time it was worth less than the owed mortgage ). I asked XXXX to re-confirm the loan at that time. I was told that was not necessary. " Just pay the loan on time and all will be fine ''. The BK was discharged in XX/XX/XXXX. All other delinquent accounts were removed in XX/XX/XXXX. In XX/XX/XXXX I have now realized that they are currently reporting this " paid as agreed '' mortgage as a " serious delinquency '' on TransUnion - one TU report I reviewed seemed to indicate they wrote off the entire mortgage! They also " '' updated '' the TU report at the end of XX/XX/XXXX ( more than 7 years after the discharge of the BK ). The update now shows the delinquency will remain on the report until XX/XX/XXXX, which would be 14 years after the discharge. A FICO score 8 based on TU data shows my credit at XXXX until the " update '' of XX/XX/XXXX when the FICO decreased to XXXX. No other bureau, to my knowledge, is reporting the erroneous " serious delinquency ''. This error is causing me to pay excess home mortgage interest as well as higher insurance rates etc. When I became aware of the error in reporting the XXXX ( XXXX XXXX ) mortgage I contacted TU with my concern. They sent info that did not correct the reporting. I phoned them ( TU ) and was rudely told that I was " seriously delinquent '' and would have to contact the mortgage company. I did. I was told to file a formal request. I did. That was received on XX/XX/XXXX by XXXX XXXX. On XX/XX/XXXX they stated they mailed me a letter stating the " research required '' would exceed the 30 business days and they would need an additional period of 15 business days for the " analysts to continue working toward resolving '' the issue. I had to phone XXXX XXXX to have them send me that letter as it was never received. They did. I gave them more than the 45 business days to respond. I phoned XXXX XXXX on XX/XX/XXXX and spoke to XXXX. He was very pleasant and concerned. He advised me after he looked at the complaint and the payment history that he had " escalated the issue to the manager who would call me in two business days. '' No call was ever received. On XX/XX/XXXX I again phoned XXXX XXXX and spoke with XXXX who was also very polite and attempted to be helpful. She advised me after looking over the information pertaining to my issue that it was assigned to a researcher on XX/XX/XXXX ( more than 45 business days after I submitted the complaint ). She also advised no resolution had been reached. The time on the phone with XXXX was 42 minutes. At this point I feel XXXX XXXX has not followed through on anything and since the loan is paid off ( again-never delinquent ) they feel no obligation to correct their misinformation to TU and do not intend to assist in correcting the error that has caused me such problems. I reluctantly am filing this complaint. I thought XXXX would at least resolve a rather simple reporting error - including their keeping the erroneous information on the loan and reporting it for another 7 years ( 14 years after the BK ). I have included various documents including the entire payment history with Nationstar ( downloaded from their website ), their letters to me, and some of the FICO information from TU. TU shows the mortgage closed XX/XX/XXXX. It was paid timely until XX/XX/XXXX when the entire loan was paid off. |
Credit card or prepaid card | General-purpose credit card or charge card | I have a Citi Premier credit card that I have had opened for several years now. When my annual fee came due approximately 4 1/2 months ago, I called in to cancel the card. To entice me to keep the card open, I was offered a promotion wherein I would receive a statement credit of {$95.00} for spending {$1000.00} on the card in each of the next 3 months. In addition, I would receive XXXX bonus ThankYou Points for spending {$1000.00} on the card in each of the next 3 months for a total of XXXX bonus ThankYou Points at the end of the third month. I completed all requirements under the offer and was provided the {$95.00} statement credit as agreed to, but only received XXXX bonus ThankYou Points despite meeting all the required criteria.
I reached out to Citi on two occasions to get this resolved and was told that the {$95.00} statement credit and XXXX bonus points was what my account was enrolled in. While that was on option, that was not the option I selected on my phone call with Citi when the offer was made. I explicitly had the Citi representative read back to me the terms before agreeing to the offer, which he did, and which clearly stated that I was to receive XXXX bonus points for every month I spent {$1000.00} on the card for a total of XXXX bonus points. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I was a victim of identity theft and I request to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | n accordance with the Fair Credit Reporting act XXXX XXXX Bankruptcy - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions |
Debt collection | I do not know | I received a letter XX/XX/XXXX Online Services and I referred to a Dept I owe something as XXXX XXXX XXXX with an account number XXXX letter is dated XX/XX/ in the amount of XXXX I have no knowledge about this account at all so I assume they have the wrong person okay Thank you have a blessed day |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am disturbed that the credit bureaus are continuing to list the dismissed/discharged bankruptcy as confirmed within my credit file. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to section 1681 ( a ) ( 5 ) of the FCRA, XXXX, Equifax, XXXX, must delete this information from my credit report, and i asked them on several occasions starting ( XXXX ) by sending letters to send me an updated copy when this action is completed. All bureaus have not removed the items from my credit as of today. They continue stating verified and updated and stating XXXX or Clerk of Federal Court are were they are verifying the information to be true but i have letters from Clerk of Federal Bankruptcy Court and Pacer and my full disclosure file from XXXX XXXX that states no Bankruptcy and i have sent to all 3 bureaus and they refuse to remove all bankruptcy 's and items involved in the bankruptcy 's |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my XXXX credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt owed. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.
By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
15 U.S.C 1681 section 602 A. States, I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX COLLECTIONS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYERS : TXXXX XXXX XXXXXXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION EMPLOYERS XXXX XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES : SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Vehicle loan or lease | Loan | The auto loan was financed by Truist Bank. The auto loan was paid off XX/XX/2022. We are asking for the Gap refund in the amount of XXXX. XXXX XXXX mailed a check to Truist on 8/01/2022.The check cleared XXXX XXXX Bank XXXX XX/XX/2022 Ck # XXXX. We have contacted Truist Bank many times to see if they have mailed the check back to us or XXXX and no one at Truist can give us any information on this check. As of today 's date we still have not received a check. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I received a copy of my credit report and found multiple in accuracies ; XXXX XXXX XXXX XXXX also XXXX funding account number XXXX report across all three bureaus are different.
2.Report as closed account on XXXX but report payment activity on XXXX 3 XXXX Report different dates of the last payment on each bureau.
4. payment history differs on all three.
Please remove it from my credit report. By the provision of the Fair Credit reporting act I ask that these items be removed. this is a clear violating pf 15 U.S.C 1681s-2 ( a ) a duty of furnisher to provide accurate information. 15 U.S.C ( 1 ) a person shall not furnish any information relating to any consumer to any consumer agencies if the person has notified that such specific information is inaccurate. I understand that you must complete this investigation within 30 days under 15 U.S.C Sec 168i ( a ). |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way you were able to verify this! I'm invoking my rights as a consumer under Federal Law and they are choosing to blatantly just ignore me. That's why I am filing this complaint |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I was looking to purchase a home and noticed multiple inaccuracies on my credit report, including fraudulent inquiries, accounts and addresses. I contacted XXXX, XXXX and Experian but they did not respond, nor correct all inaccurate information. I have called them and sent them dispute letters over a month ago. In pursuant to 15 U.S. Code 1681 they are defaming my character and now willfully continuing to report false information.
The following addresses are inaccurate- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit card or prepaid card | General-purpose credit card or charge card | USAA credit card I did a cash advance of {$100.00} onXX/X/2015. Have contacted USAA credit department several times to request to pay this cash advance back they refused. I have a separate charge for cash advancye on my bill, they say I have to pay the entire balance of credit card before they will allow me to clear the cash advance. I have been charged {$52.00} every month since XX/2015 that 's {$960.00} for an advance of {$100.00}. Also {$52.00} a month is excessive for a ' {$100.00} debt. THIS IS PREDITORY CREDIT PRACTICES |
Credit card or prepaid card | General-purpose credit card or charge card | In XX/XX/2022, we purchased XXXX XXXX flights for my wife and I to compete in an XXXX XXXX on XX/XX/2022 with our XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXXXXXX. On the return flight home, we encountered a delay due to mechanical issues with the plane that were evident as we witnessed a mechanic opening and working on the engine, the pilots discussing with the mechanic the status of the flight, and witnessed the baggage attendants removing luggage off the plane after several hours. After leaving the terminal and retrieving our returned bags, the baggage attendants on the tarmac told us the pilots were calling this an overnight and the plane ( XXXX ) would not be leaving the airport. We received over 11 emails indicating the delay exceeding 6 hours ( the flight was scheduled to take off at XXXX XXXX and our last flight delay email was sent for XXXX XXXX. XXXX would not verify a cancelled flight at the terminal with the desk agent, on a chat nearing XXXX XXXX, and even the next day would not announce a cancellation. Customers sat unknowing how to manage this and were told to make other plans by the XXXX desk agent without suggestion of compensation or help in rescheduling plans. After our conversation with the baggage attendant, we were forced to make other plans, which included taking a taxi to XXXX, WI ( XXXX ), booking an expensive last minute flight with XXXX, staying in a hotel overnight, delaying our ability to get home and work the next day, and providing no resolution for customers. Due to my XXXX and being stuck in the airport for so many hours after my XXXX XXXX, my feet became so swollen from sitting and waiting to travel that I had difficulty walking for the next several days.
We filed a claim with XXXX and were only given refunds of our original flight, a {$75.00} apology voucher ( given a few days after our flight ), and a {$100.00} refund for the luggage ; however, we were not refunded for our lodging, transport, or inconvenience. As I had booked this with a XXXX XXXX XXXX XXXX XXXX XXXX we decided to file a claim with eClaims online and proceeded to spend hours submitting claim ( # XXXX ) for a flight cancellation. Several months later, I received a denial of my claim, so I decided to call eClaims and was quite frustrated with the denial. I was told by a customer representative that I should have filed a claim for a delay of flight and not for a cancellation so she elevated the claim to her management team and resubmitted the claim. Several weeks later, I received a denial letter indicating my flight was not delayed more than 6 hours so they could not approve such submission. I sent them an email indicating flight XXXX never got off the ground and the flight was delayed for over 6 hours and I would report them to the CFPB for submitting false realities to their policies they explicitly state in their Terms of Service. They responded with another denial indicating my claim was not allowable as my flight was not delayed more than 12 hours. XXXX did not leave XXXX 's airport within 12 hours of the original delay, nor should customers wait 12 hours in a terminal without proper information that such a delayed flight would eventually take off as we knew it would not.
I am asking for help from the CFPB for violation of customer rights explicitly described in their terms of service.
XXXX XXXX XXXX Tel : XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX XXXX, VA XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX, XXXX, amd Transunion refuse to remove several accounts and inquires off my credit report Ive filed identity thief claims and shown proof they refuse to update my credit report neither have they sent me requested information stating how was the account verified they are mixing my information up with a person who have the same name as mine listed addresses and accounts Ive never been associated with this has been going on for the last 2 yrs |
Debt collection | Payday loan debt | I was contacted by National Credit Adjusters regarding a pay day loan originated by XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$500.00}. The agent stated that a payment was never made. My DOB and bank account information do not match information on file. The balance because of fees is now {$1.00}, XXXX. I have stated on several calls the debt is not mine, and have now faxed a report confirming ID theft complaint filed with FTC and police to National Credit Adjusters. Furthermore, federal records show that XXXX XXXX loans recently entered into agreement with the federal court to the following : All XXXX XXXX loans made prior to XX/XX/XXXX, XXXX XXXX XXXX XXXX, and cash advances on MobiLoans lines of credit prior to XX/XX/XXXX, will be cancelled if still unpaid. Any credit reporting of these loans and lines of credit will be deleted by the credit bureaus. The lawsuits claimed that the loans and lines of credit were made at annual interest rates greater than what is permitted by state law or the lenders did not have a license to lend when one was required, making the loans illegal, deceptive, or unfair under various state and federal lawsThe Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit on behalf of consumers in 17 states arising largely out of the same loans and lines of credit ( CFPB Case ).
The Defendants ( XXXX XXXX ) have agreed to provide the following benefits and others more fully described in the Settlement Agreement : Loan Forgiveness : Any covered loan or covered cash advance on a line of credit will be adjusted to a XXXX balance. For those loans and lines of credit, Class Counsel will seek a court order requiring applicable consumer reporting agencies to remove any credit reporting and Defendants will inform Class Counsel of any court where they had obtained a collection judgment on those loans.
The Tribal Companies have also agreed not to sell or transfer any remaining unpaid accounts covered by the Settlement to any third party, and information regarding any previously sold accounts will be provided to Class Counsel. XXXX XXXX has also agreed to not make any loans, or in certain states to provide certain types of services to lenders and will become subject to a court order filed in the CFPB Case containing these and other restrictions.
This company is illegally attempting to collect on a debt that is not only outside of the statute of limitations, it has been reported as ID theft and the originator has agreed with the federal courts to void this debt and make it uncollectible. I demand this company close this matter and stop all attempts to collect, including any possible credit reporting. I request the CFPB hold them responsible for this illegal collection attempt and for not abiding by ID theft regulations and ignoring my ID theft reporting.
I spoke with the attorney 's office representing the class action group today and confirmed this debt was included in this agreement with XXXX XXXX Loans. |
Vehicle loan or lease | Loan | Customer service rep sent threatening text to my cell phone and was very rude and judgmental in her attempts to collect on our account over the phone. We typically pay our lien holder, IDA LLC on the last business day of the month equaling to 4 or 5 weeks worth of payments. The payments are {$140.00} a week. We purchased our XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and still owe {$7400.00}. Our loan was sold to IDA LLC and was told about it after the fact. We've been paying {$140.00} a week since XX/XX/XXXX and owe more money than what the vehicle is worth. This is preying on poor people and people trying to build their credit back!!! On XX/XX/XXXX, my husband and I spoke to customer service rep XXXX XXXX whom we've had problems with before. My husband explained he's XXXX and just started to work part time to help more paying bills. On XX/XX/XXXX I could only make one payment of {$140.00} XXXX they charge {$7.00} to process payments over the phone or on online which is ridiculously expensive ). My husband also called XXXX XXXX on XX/XX/XXXX to explain our situation of being severely overdrawn at our bank ( almost - {$900.00} XXXX when I got my direct deposit paycheck on XX/XX/XXXX hence why we could only make one payment. He negotiated arrangments with XXXX XXXX to make another two payments on Thursday, XX/XX/XXXX. His paycheck was less than {$300.00}, and we have 3 boys in our household to feed. We were {$40.00} short on the two payments. Today XXXX XXXX sent a text to my cell phone stating to call her immediately at IDA to avoid our vehicle being disconnected ( shut off ) and that our account was " PAST DUE. '' " Make payment immediately to avoid further action. '' XXXX XXXX also called my cell phone and immediately took a rude tone with me. She accused me of lying about the payment arrangements made by my husband stating she had nothing on file after he'd just spoken to her. I attempted to remind her of the phone conversation that took place and tried to explain why they payment was {$40.00} short on XXXX. XXXX. She told me in a very rude tone that {$40.00} makes a big difference. As a mother of 3 boys and two stepdaughters, I became a little upset, began to cry, and asked her to tell me what she would have me do when I can not even have enough money to feed my kids right now. I asked her again to please advise me what to do while I was still crying, and she hung up. My husband called her back, and XXXX XXXX lied again that i hung up on her which is completely false. XXXX XXXX finally admitted she remembered the payment arrangements made to make payments weekly until we're caught up. IDA 's predatory collection and loan buying/servicing practices and poor ( worse than poor ) customer service needs to be addressed! This is one of several times IDA and XXXX XXXX have made threatening texts about shutting off our vehicle even though we're continuing to pay on this outrageously expensive loan that we had no part in borrowing from them. We're a family of five doing our best to make it through a pandemic. We have applied for help to get food and was denied. IDA offers no kind of help during the pandemic which is unethical and just bad business ... showing they care nothing about their customers who make them A LOT of money. They just prey on the working poor and harass and threaten them if just a day late with payment. All texts to my cell phone have been " call immediately, '' " PAST DUE, '' " PAY IMMEDIATELY TO AVOID FURTHER ACTION AND DISCONNECTION. '' We are responsible, loyal customers of theirs. I demand better, more respectful and compassionate customer service from XXXX XXXX and anyone representing IDA. During a pandemic when tensions, anxiety, and worry about our children is already at an all-time high, they have no right treating their customers this way. |
Credit card or prepaid card | Store credit card | I accidentally sent my XXXX/Sychrony payment of XXXX to XXXX Card on XX/XX/XXXX. The amount was not due until XX/XX/XXXX. I did not discover my error until XX/XX/XXXX. At that time, I set up an ACH payment on XX/XX/XXXX for my additional purchases plus the last balance of XXXX. These additional payments were not due until XX/XX/XXXX XXXX/Sychrony calculated interest not on the 10 days that the XXXX was past due but on average daily balance daily balance of XXXX. How they calculate that number I can not find out.
There is a disconnect between in the credit card industry and the consumer. How can I be charged interest on something that is not past due?
I have since got them to waive the late fee but not the excessive interest charge. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly.
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 |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. |
Checking or savings account | Checking account | XX/XX/2018 i went in my local branch in XXXX ga, to close my checking account and saving account, i spoke to the Head office over the phone and in person they advise me they will not close my acconts, as well they let companys take advange of my checking and countiune to let the companys, countiue to over draft my cheking, and the creadit union kept appling {$36.00} overdraft fees, name of the company that has the account transworld system inc, i do not owe {$910.00} |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Summer of 2020 i did not receive a statement from a credit card company for XXXX informed the card company they refunded the missed payment fee but reported the missed payment to the credit bureau subsequently my credit rating went from XXXX to XXXX and to this date is only XXXX this was during the height of covid the bank was barkley |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$0.00}. |
Debt collection | I do not know | XXXX XXXX XXXX amount of {$14000.00}. I have sent XXXX XXXX XXXX a debt validation on XX/XX/2017 and XXXX XXXX XXXX has not responded. XXXX XXXX XXXX then took me to court on XX/XX/2017. I have no knowledge of this debt. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I'm in the market for a home purchase. One of the preparation steps i'm taking is monitoring my credit report. A couple of days ago I checked my credit report for the first time in a minute and I saw a couple of items on my credit report that are not mine. These items need to be deleted from my credit report. I've contacted the FTC and my local police. I'm doing this on my own. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX/XXXX |
Debt collection | Other debt | I recieved A collection notice from company called I.C. system on XX/XX/XXXX about a XXXX past due account This is the 4th collection agency that has contacted me since XXXX. XXXX XXXX complaint # XXXX XX/XX/XXXX and also XXXX XXXX XXXX complaint # XXXX and also # XXXX XXXX XXXX XXXX/XXXX XXXX refused in the past and still refuses to respond or return calls on this matter I keep having to dispute. Short story was disconnected XX/XX/XXXX still billed me in error even though I had called and turned in equipment will not credit me the balance Recieved new service XX/XX/XXXX paid past due balance the told me I had to pay to get new service came back about a month later saying I owed them more I still have XXXX at present time same address |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
The letters are stated with items and issues.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. |
Checking or savings account | Checking account | My husband and I opened an account for my daughter, XXXX in CA on XX/XX/XXXX. She attends school in NY and is renting an apartment with international students. This accounts sole purpose is for the rent.
XXXX activated her Chase Debt Card on XX/XX/XXXX. By XX/XX/XXXX, there were several fraudulent transactions. XXXX called to cancel debt card was advised there were a couple {$1.00} transactions which were denied but 3 others that were approved totaling XXXX by XXXX. Agent advise would see a credit in a couple days. The fact that there were several {$1.00} attempts they could it had been hacked.
After 2 weeks, I contacted XXXX XXXX, claims dept supervisor. She advise that claim was denied because looked suspicious. I also agreed that it looked suspicious only the bank knew the card was activated. Card had not been used anywhere. She advised I had to provide proof we didn't use XXXX. XXXX only has an automated system and their online instructions say to contact bank. |