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Credit reporting, credit repair services, or other personal consumer reports
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On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
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Credit reporting, credit repair services, or other personal consumer reports
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Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of account/items which do not belong to me or were opened without my permission.
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, ACIMA DIGITAL FKA SIMP XXXX Open Date XX/XX/2021 Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
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Credit reporting, credit repair services, or other personal consumer reports
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I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
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Credit reporting, credit repair services, or other personal consumer reports
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I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
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Credit reporting or other personal consumer reports
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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 With reference to section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report I request that you provide the original documents for this information containing my appended signature and any other related information if this information is unavailable i am requesting a removal as soon as possible XXXX I XXXX XXXX XXXX recently reviewed my credit report and I found unauthorized number, account wrong listed on records etc., XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally funded yprotected consumer rights to privacy and confidentiality under 15 USC 1681. These are account I want DELETED AN ARE UNAUTHORIZED Here as no permissible use and are not accounts that I have not had relationships with and are all unauthorized an have no Permissible use and are all unauthorized an have no Permissible use.
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.
( 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
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Credit reporting, credit repair services, or other personal consumer reports
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I found some one used my credit record and open accounts under my name.
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Credit reporting or other personal consumer reports
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I went to buy a car and noticed there was fall things on my credit I filed identity theft but the companies still have not taken the fraud off my credit
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Credit reporting, credit repair services, or other personal consumer reports
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On XX/XX/2023, it has come to my attention that ADS COMMENITY/VICTORIA, XXXX, XXXX, AND XXXX XXXX XXXX have included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that ADS COMMENITY/VICTORIA has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
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Student loan
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They charge me to much when I went to the school and then they send my information to another company now in my credit report it show I was charged 4 times
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Credit reporting, credit repair services, or other personal consumer reports
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I have attempted to receive a response by writing but i did not. Inaccurate late payments are hurting my score and according to 15 U.S. Code 1666b - Timing of payments ; they must be removed from my report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 2022 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.
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Credit reporting or other personal consumer reports
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As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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Mortgage
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I called for a payoff amount on XXXX23.
They emailed me a payoff amount of {$170.00}.
I call on XX/XX/23 to check on my payment because they closed my online account.
They said it was applied to a suspense account because they didn't know what it was for. They asked me to call back in another few days.
I called on XX/XX/23 the said I have {$4500.00} in Escrow and that they will send me a check in XXXX weeks.
Every time I call I am on hold for over XXXX minutes. I afraid that this bank is unlawfully holding my escrow money.
I received another bill from PRMI dated XX/XX/23 for {$820.00} for the {$17000.00} I already paid plus {$640.00} for escrow.
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Credit reporting or other personal consumer reports
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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.
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.
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Credit reporting or other personal consumer reports
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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.
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 informationisinaccurate.
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Money transfer, virtual currency, or money service
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I Am Filing a Complaint against Cash App ( Block , Inc. ) due to Inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud to their platform, leaving my account vulnerable and unprotected.
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.
These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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Debt collection
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In 2015 I decided to pay off all debt. I contacted each collection agency. I made payments to RPM in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from another agency attempting to collect the same debt at the original amount. I told them I paid XXXX already. I was told to contact the collection agency that I paid. I did. I disputed the amount they told the other agency. After 30 mins. I was told they never processed my payments and that the 3 checks were mailed backed to me and the fourth one he would return to me once they got it. That was almost 3 month ago. I have not received a dime back. I 'm out of my money and I 'm at risk of suffering damages as I must pay to have the money sent back to me or pay a daily fee after a year if the money order is not cashed. The new company does n't care the information is inaccurate they just want the payment. I have called many times. They leave me on hold for 10-15 mins and then never come back to the phone.
I feel this company should have processed my payments because they did not close my account until XX/XX/XXXX ( they already received 3 payments ). They never mailed my last payment back. If it was given to another company the correct amount should have been credited. My credit report was affected as it shows the wrong amount.
This is defamation of my financial history and failure to report my disputed amount and the correct amount. Please help. I want my bills paid off but I 'm out of money and still owe the incorrect debt at no error of my own.
Please help
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Credit reporting, credit repair services, or other personal consumer reports
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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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
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Vehicle loan or lease
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I bought the car from a dealership.The car have a lot of problems i spend my own money to fix the car .So this company come and repo the car and I already made arrangement to pay
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Mortgage
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Unfortunately, my loan was sold to Amerihome Mortgage and its been XXXX ever since. In XX/XX/2017 just 3 months after purchasing the home, I had an accident which landed me out of work for 6 months. I sent modification documents to Amerihome Mortgage 21 times. Each time they confirmed they received the documents and would process. Between 10-30 days later i would receive a letter stating there was a page missing or something else was needed, etc. This went on for months until they filed foreclosure. This forced me to file Chapter XXXX Bankruptcy. Since my plan was confirmed i have made all payments to Amerihome. Unfortunately they have not applied the payments properly thus leaving my account in a perpetual past due status. Bankrutcy code states they are required to apply ongoing payments as if the account was never behind. Statements that are paid in full one month will show an amount that is past due for the next month.
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Credit reporting or other personal consumer reports
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I run my credit report to take out a loan with XXXX XXXX and they contacted me regarding a charge off account with XXXX for {$1700.00}. I called up XXXX and they were not about to find an account with them past or present. They send me alter stating the same and I forward the letter to Experian to dispute the charges that are negatively affecting my credit report. On XX/XX/year> I received an emailed stating that the charges were mine and they were for XXXX. I called XXXX and they were not able to find any information. I called XXXX and they are still giving me any information. It's unfair to put something on my credit report and after I called more than 20 times in the last few days and I still can not receive enough information that would allow me the chance to accurately dispute the chances. I would like this information be removed from my credit reporting. I filed a dispute with Experian but time is of the essence and It not my account. I am also filing a police report today. Please contact me at XXXX if you have any questions or concerns. If XXXX have something reported on my credit they should be able to provide me with accurate information giving me the opportunity to defend myself.
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Credit reporting, credit repair services, or other personal consumer reports
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REFERENCE CFPB COMPLAINT NO. XXXX CREDIT REPORTING AGENCIES CONTINUE TO BE IN VIOLATION BY NOT DELETED ERRONEOUSLY REPORTED INFORMATION.
PLEASE SEE ATTACHED DOCUMENTS. YOU WILL SEE WHAT THE CREDITOR SHOWS AS PAID AND WHAT THE CREDITORS REPORT AS LATE. BIG DIFFERECNE!!
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Credit reporting or other personal consumer reports
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In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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Credit reporting or other personal consumer reports
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RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXXXXXX XXXX XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
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Credit reporting, credit repair services, or other personal consumer reports
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to the three credit bureaus, XXXX, XXXX, and Equifax you can find the tracking numbers listed on the documents I submitted. However, it's been more than 30 days and the credit bureaus have failed to provide me my investigation back. This is not making any sense to me, and this is hindering me for improper use of my credit scores in report.
According to the law 15 U.S. Code 1681i- Procedure In case of disputed accuracy. If the completeness or accuracy of any item or information contained in a consumers file at a consumer reporting agency, is disputed by the consumer and the consumer notifies the agency, directly or indirectly through a reseller of such dispute the agency shall, free of charge conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance with paragraph five before the end of the 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
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Money transfer, virtual currency, or money service
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On Tuesday XXXX/XXXX/22 I requested a wire transfer of {$300000.00} from Merrill XXXX to another brokerage due to poor customer service at the former. Merrill 's own website stated that wire transfers are processed the same business day. As of close of business on Monday XXXX/XXXX/22, my wire transfer had not been processed. This means that I have not had access to my live savings for a week while Merrill is able to utilize my money as float for their own profits. This is simply an unacceptable abuse of fiduciary trust and despite multiple promises Merrill has not fixed.
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Credit reporting, credit repair services, or other personal consumer reports
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Dear XXXX, Fraudulent accounts are being listed and I believe these to be violating my personal report and I want them removed. i don't know who LVNV FUNDING LLC is but they don't even have a license to collect in my state so I'm confused as to why the are being listed on my stuff
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Debt collection
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I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
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Credit reporting or other personal consumer reports
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TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : URGENT DISPUTE UNAUTHORIZED REINSERTION OF ACCOUNT ON CREDIT REPORT Account : XXXX XXXXXXXX XXXX XXXX Account # : XXXX To Whom It May Concern, I am writing to formally dispute the unauthorized reinsertion of a previously deleted account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), TransUnion can not legally reinsert an account unless specific procedures are followed, including : 1. Written notice within five ( 5 ) business days of reinsertion.
2. Certified verification from the data furnisher proving the accounts accuracy.
3. Allowing me the right to dispute again before any adverse reporting continues.
As of today, I have not received any notice of reinsertion from TransUnion, and this account has suddenly reappeared on my report without due process. This is a direct violation of the FCRA, and I demand immediate corrective action.
DEMANDS FOR IMMEDIATE ACTION 1. Provide all supporting documentation proving that the account was properly verified before reinsertion.
2. Remove the reinserted account immediately, as it was previously deemed inaccurate and deleted.
3. Provide a formal written statement confirming the removal and an updated copy of my credit report.
4. Cease any further reporting of this account until the issue is fully resolved.
LEGAL WARNING & NEXT STEPS Failure to comply with federal consumer protection laws will result in : A formal complaint filed with the Federal Trade Commission ( FTC ), and the Mississippi Attorney Generals Office.
Possible civil litigation for violations of 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligence ), which entitles me to statutory damages, legal fees, and punitive damages.
An investigation request to all major credit bureaus ( XXXX, XXXX ) to determine if the reinsertion process was handled unlawfully.
I expect an immediate response within 15 days, as required under the FCRA. If this matter is not resolved promptly, I will escalate my legal options.
This letter serves as formal notice under the FCRA. Any continued reporting of this account without compliance will be treated as willful misconduct.
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Money transfer, virtual currency, or money service
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I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely XXXX XXXX XXXX XXXX, leaving and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
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Mortgage
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I have a loan that is now well over 30 % LTV and the lender still will not remove the PMI
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Credit reporting or other personal consumer reports
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I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
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Credit reporting, credit repair services, or other personal consumer reports
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I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is of a derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. I will expect you to notify me the results of your investigation within five ( 5 ) business days from the completion of your investigation. In addition, I will expect you to complete your investigation within thirty ( 30 ) days from the date you receive this dispute or the item being disputed will be unverifiable.
The items that appear on my credit report as : 1. ACCT. NAME : XXXX XXXX XXXX - This account was charged off listed with wrong balance please delete.
2. ACCT. NAME : XXXX XXXX XXXX - These 2 accounts were charged off and listed with wrong balance please delete.
3. ACCT. NAME : XXXX XXXX - This account was charged off listed with wrong balance please delete.
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Credit reporting, credit repair services, or other personal consumer reports
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I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
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Credit reporting, credit repair services, or other personal consumer reports
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I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
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Mortgage
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After conducting an in-depth review of our original loan documents and the conveyances of our home, we have found numerous discrepancies in violation of state & federal law. The documents used to convey or transfer our property are fraudulent as the individuals who signed and the companies that prepared them were the found guilty of fraud in other court cases throughout the United States. ( See : Attachment )
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Credit reporting or other personal consumer reports
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I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
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Credit reporting, credit repair services, or other personal consumer reports
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I've been a victim of identity theft. The inquiry listed should be removed as this is fraudulent and unauthorized. Inquiry : XXXX XX/XX/2021.
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Credit reporting
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I disputed these credit inquires several times before and they ( Equifax ) said for me to contact the creditor. The creditors never responded back. I do n't recall asking these credit card companies to pull my credit reports. Please remove these credit report inquiries as they were n't authorized.
I have accounts with these companies and they have my personal information. Never authorized these credit checks.
List of companies and the date of credit check was pulled.
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX
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Credit reporting or other personal consumer reports
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I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/year>.
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text.
1. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.
Enclosed is a copy of my identification to verify my identity.
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
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Credit reporting or other personal consumer reports
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( See attached ) XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last XXXX of ssn : XXXX I have a serious problem with the credit reporting agencies furnishing certain transactions and experiences from the account that the principal has with american express XXXX it is a well known documented and discussed fact that American Express does not report credit utilization to the credit reporting agencies in regards to credit accounts. in pursuant to15 U.S. Code 1681a ( D2 ) Exclusions- '' the term consumer report does not include any report containing information solely as to transactions or experiences between persons related by corporate control ''. and as such Credit utilization is a " Experience '' that shouldn't be furnished to consumer reports. Now Im not sure WHO IS TO BLAME for the said experiences being reported but for several months ive been asking the same thing ... ... and herein XXXX of XXXX of the entities involved is VOLUNTARILY ILLEGALLY reporting this negative information to my credit files. To all entities involved make a good faith effort to resolve this matter by removing the credit utlization remark from my credit files associated with the account ending XXXX. I dont want the utilization being reported to my file thats it. this will be mailed physical and delivered electronically to all parties involved. If there is " confusion '' as to what needs to be done just call me XXXX.
Yours Truly, Beneficiary All rights retained with estoppel without recourse XXXX : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX herein are trademarks service marks or common law trademarks of XXXX XXXX XXXX XXXX XXXX and its MEMBERS. ANY UNAUTHORIZED USE OF THE MARKS WILL BE PROSECUTED ACCORDINGLY
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Debt collection
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A debt buyer called Jefferson Capital attempted to collect an old debt barred by the statute of limitations. A few months ago, they listed the debt on my credit reports as a new debt. This practice of re-aging an old debt is specifically prohibted by Federal and State law. The alleged bad debt from the original creditor started in XXXX. Jefferson Capital reported that old debt as a new collection account in XXXX of XXXX. I disputed it over 4 times with all XXXX bureaus and Jefferson Capital keeps reporting the information they know to be false. I will upload a letter of admission by Jefferson Capital that the debt is so old that it's barred by the statue of limitations ( 4 years in California ). Then, I will upload a current copy of my XXXX credit report that shows the debt as new, XXXX of XXXX.
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Credit reporting or other personal consumer reports
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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 XXXX Account XXXX has violated my rights. Or a list of inquiries : 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.
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Credit reporting, credit repair services, or other personal consumer reports
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They keep playing fraud alerts and credit freezes on my credit profile WITHOUT MY PROMISSION.
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Credit reporting or other personal consumer reports
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I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
XXXX XXXX XXXX XXXX
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Credit reporting, credit repair services, or other personal consumer reports
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The account with XXXX XXXX is paid, but the account status is not reflecting that the account is paid. The status/condition of the account is still being reported as derogatory although the balance is XXXX. Again, there is a zero balance. The account is PAID. The account status/condition is NOT correct.
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Student loan
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I have been paying my student loan for years now and it has not changed in balance. This is the amount they asked me to pay.
Why is this happening?
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Debt collection
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I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
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Money transfer, virtual currency, or money service
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This is exactly the error I got when trying to connect my PNC account via XXXX to XXXX XXXX XXXX XXXX : " PNC PNC has made a change that prevents you from being able to link your accounts.
File a complaint with the CFPB The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. You can alert PNC that you need access to your financial data by filing a complaint with the CFPB. '' And below the text there is a link to this form.
I am almost 100 % positive I have successfully used XXXX to link my PNC account to other services before - in fact I know it's worked, but there's always been a disclaimer text at the bottom claiming there are some ongoing issues with connecting this bank. So I am not sure if the issue is isolated, worse for some and nonexistent for others, or what's going on. If you could forward this info to PNC I think it would be beneficial for everybody involved. They are a good bank.
One last thig : everything on PNC 's end actually would seem to be fine, as right when that message prompts instructing me to contact your organization, I get an email from PNC, every time without fail. It says this : " On XX/XX/20, PNC Bank received a request to link one or more of your PNC Bank account ( s ) to an online or mobile financial service.
If you don't recognize this : Change both your user ID and password so they are unique to PNC by signing on to PNC Online or Mobile Banking.
Call us at XXXX to report unauthorized activity.
This alert was sent for user ID ending in *****XXXX.
Thank you for banking with PNC Bank. '' I have definitely gotten the same message from the same PNC automated system before when the connection thru XXXX worked just fine.
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Credit reporting, credit repair services, or other personal consumer reports
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According to Federal Law, the below accounts have violated my rights and I am preparing to take legal action : Dept of EdXXXX {$80000.00} 15 U.S.C. 1681 Section 602 A states that I have a right to privacy.
15 U.S.C. 1681 Section 604 section 2 states that a consumer reporting agency can not furnish a report without my written instructions. There has been rounds of dispute and these accounts still remain.
I am preparing to take this to a small court and recover damages immediately.
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Credit reporting or other personal consumer reports
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I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
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Credit reporting or other personal consumer reports
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I hope this letter finds you in good health. I'm writing this with a heavy heart and a sense of frustration, having recently discovered multiple inaccuracies in my credit report. I carefully reviewed my report, a copy of which I recently obtained, and it was disturbing to discover that it was riddled with errors.
It's like reading a book about your life and discovering parts you don't remember living. It's unsettling and, to be honest, annoying to have your financial narrative misrepresented. It's like having a blemish on an otherwise flawless record that shouldn't be there.
The uneasiness I feel knowing there are erroneous facts on my credit report is difficult to put into words. It's not a pleasant sensation ; it's a little uncomfortable and, to be honest, more than a little frustrating. Every mistake, no matter how little, adds to the discomfort.
Although I am not a legal expert, I am aware that conflicts like mine are normally investigated and resolved within a fair time frame - approximately 30 days or so. As a result, I'm praying against hope that this will also be the case in my instance.
Finally, I'd want to convey my appreciation in expectation of your swift action on this situation. It is my honest desire that these inaccuracies, which appear on my financial record, will be addressed and repaired as soon as possible. I eagerly await your response at your earliest leisure.
Thank you for your consideration and patience in this critical subject.
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Debt collection
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Company called Premier Portfolio Group continues to call me at my work after I informed them not to. I also informed them that another collection agency had taken money from me on the same account they are trying to collect on. I gave them the company phone number and contact person, but they continue to call my work and my cell phone. I have over XXXX plus phone numbers this company calls from. They are now using a number from my home state.
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Credit reporting, credit repair services, or other personal consumer reports
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Please investigate the following information. XXXX XXXX XXXX XXXXThe address for this creditor is incorrect, correct it or delete this account. Date open is incorrect, correct it or delete it. The status updated is incorrect, correct it or delete this account. The Terms are incorrect, correct it or delete it. XXXX XXXX XXXX XXXX XXXX. Date open is incorrect, correct it or delete it. Original balance is incorrect. Correct or delete this account. The terms are incorrect, correct it or delete this account. XXXX XXXX XXXX XXXX XXXX No contract with this company. Refused to provide documentation this is a valid debt. Delete this account. XXXX XXXX Date open is incorrect, correct it or delete it. The highest balance is incorrect, correct it or delete it.
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Money transfer, virtual currency, or money service
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Citizenone 's website and apps intentionally misleading on balances due and time period for them.
Eg. Not showing due dates and allowing balances to roll into eachout without notifying of past due balance. This way it appears to be all XXXX up to date balance.
This resulted in fees and credit report stain on an otherwise flawless payment history.
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Credit reporting or other personal consumer reports
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I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.
As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.
The identity of the entity or entities responsible for conducting the verification process.
Any documentation or evidence used to substantiate the accuracy of the disputed items.
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Credit reporting or other personal consumer reports
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In accordance with the Fair Credit Reporting act XXXX Account # 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
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Mortgage
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On XX/XX/XXXX my husband XXXX XXXX suddenly. I had been paying the mortgage on a regular basis. Last year, XX/XX/XXXX, I had started becoming late because of financial issues because of the loss of my husband. Wells Fargo did work with me and I was granted a continuum of my husbands loan. I am the executor of his estate and although the Title/Deed is in my name, the loan is not. I once again became delinquent on the loan but sent three separate checks to catch up. The mortgage company returned the checks saying that my husband needed to contact them for them to accept the checks. Wells Fargo is aware that my husband is deceased so the letter did n't make sense to me. In XXXX, I again started working with the Home Preservation Department to keep my home. I was told that I needed more information. I sent the information that was needed but they declined my application. I am receiving a pension now from my husband and I have a solid income. I want to keep my home, I feel the mortgage is not working with me and the sale of my home is looming. I am praying that this letter helps my communication with the mortgage company and myself. Thank you.
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Credit reporting or other personal consumer reports
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Reviewed most recent credit report from Experian and I noticed inquires that did not belong to me.
XXXX XXXX XXXX XX/XX/year> XXXX- XX/XX/year> After reaching out to the creditors, I was advised they did not have a record on file of me applying for credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and removed as they do not have the ability to do so.
After contacting the CRA I was met with push back even though I expressed the inquiries in question did not belong to me and the creditors agreed are not attached to any file or application they have with my accurate personal information.
Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
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Credit card
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Regarding my complaint XXXX to which you responded.
There was no information included regarding how the interest charges affected my balance transfer status & what steps you could take to correct them. I specifically mentioned several times my concerns & questions regarding how my current balance transfer amount had been affected.
Regarding your customer service, it was subpar, causing me to spend a considerable amount of my time wasted, calling, being placed on hold, & being transferred to other customer service reps, none of whom could answer my questions or assist me.
Had your customer service reps been competent, an explanation regarding " any use of the card will incur interest charges from date of purchase until purchases are paid in full '' given at the point in time of my initial call, this would have prevented this whole fiasco.
Instead of being informed that any regular purchases with the card would incur interest from the date of purchase until paid in full, as opposed to the regular credit card scenario where interest is charged when the full payment is late, I was misled by your representative & told " there is a glitch in the system ''.
Had I known this early on, I would have ceased to use your card for regular purchases at all ; instead I continued using it, unknowingly & without correct explanations from your representatives, continued creating these interest charges.
I most certainly will no longer use your Citi XXXX card for regular purchases, I will definitely inform any of my family, friends & colleages of your customer service incompetence & will be cancelling this account as soon as the balance transfer has been paid offl.
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Checking or savings account
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Chase bank allowed over 15,000 worth of fraud on my account and their " customer service '' representatives are blaming me for the transactions. I have not left my city due to shelter in place, yet my card was used in ATMs in XXXX and XXXX XXXX for over a week while I was busy at home. Once I realized the fraud I tried calling chase and filing claims, their phone support was less than helpful as I was transferred from line to line to file claims, some of the customer service representatives even implied they didn't believe me because theres " the pin was used '' so it must have been me? That is ridiculous considering it is the banks job to protect their customers and figure out what happened to the money. Even though claims were filed for the transactions and a police report was filed, the funds have not been returned to my account- in fact I called back to check on the status of my claims ( filed two weeks ago ) and I was informed they decided there was no fraud! My account is over 4000 dollars in the negative in the middle of pandemic because Chase Bank wont take accountability or protect their customers!
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Credit reporting, credit repair services, or other personal consumer reports
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refuse to send credit report
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Credit reporting, credit repair services, or other personal consumer reports
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Sunrise Credit Service XXXX XXXX XXXX XXXX.
XXXX New York XXXX Request for VALIDATION, NOT Verification To Whom It May Concern : REMOVE THIS ACCOUNT IMMEDIATELY!
Sunrise Credit Service Amount : {$90.00} Date reported : XX/XX/XXXX I am in the process of buying a home and this negative collection account has dropped my credit score a bunch of points and is preventing me from buying a home for my family! Please remove this account from my credit report immediately.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX FL XXXX Date of birth - XX/XX/XXXX Social Security number- XXXX
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Debt collection
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XX/XX/XXXX Received a " Notice of Assignment to a Collection Agency '' from Professional Account Management , LLC. for a toll that I paid in full on XX/XX/XXXX ( XXXX Confirmation # XXXX ). I also have e-mail receipts of contacting XXXX customer service and a credit card receipt of payment, which I tried to attach, but it wouldn't attach.
I tried to contact company during business hours, gave company my phone number instead of waiting on hold, they did not attempt to contact me. There is no way to contact the company via the website, no email address listed on the bill or website. I refuse to pay for confirmation receipt via the post office for a debt I don't owe in the first place.
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Credit card or prepaid card
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On XX/XX/2021, Coinbase sent me the following email : " We noticed suspicious activity on your account and have suspended it for your safety. If you believe this was in error and are ready to reactivate your card, please contact us. '' When contacting Coinbase on XX/XX/2021, phone representatives indicated that the card was still in an active status but transactions were being declined. The representatives indicated this request would be internally forwarded.
I received a message on XX/XX/2021 stating : " Our team has completed our investigation of XXXX or more recent transactions which violated our Cardholder Agreement. We've determined that you do not meet the criteria to unblock your card. '' However, I was not informed of any transactions that violate the Cardholder Agreement. Furthermore, in the Cardholder Agreement there are the lines : " If we refuse to approve a Card Transaction and/or restrict, suspend, or terminate your use of the Card and/or any or all Coinbase Services in this way, we will ( unless it would be unlawful for us to do so ), provide you with notice of our actions and the reasons for refusal, restriction, suspension, or termination where appropriate, with the procedure for correcting any factual errors that led to the refusal, suspension or termination. '' When asked for this information, Coinbase refused to provide any more detail on this suspension. I have not been provided any notice of suspension ( other than the initial notification indicating a temporary operational suspension ) and no reasons for Coinbase 's actions.
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Credit reporting or other personal consumer reports
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Disputed INAUTHORIZED INQUIRIES or Credit Report FOR you are reporting inaccurate and incomplete credit information. Pursuant to 15 U.S. Code 1611 credit bureau is criminally liable.
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Credit reporting, credit repair services, or other personal consumer reports
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I am filing this complaint due to the fact that I have been a victim of fraud and identity theft. I just discovered going on to my credit reports and really looking at what credit means, figuring out that someone had my information. On my credit report there is 2 hard inquires that I never authorized or had knowledge of. The 2 hard inquires are XXXX and XXXX XXXX. I knew that I never gave these creditors my information so I went ahead and disputed them off all 3 of my credit bureaus. Only one credit bureaus have been successful. Now that I have been struggling to get these off my report I contacted the original creditors stating the same thing and they validated that these were not mine and stated that they would contact all three bureaus stating these were identity theft, fraud, and to have them removed immediately. Now here I am still contacting the bureaus wondering as to why these inquires are still on there. I am filing this asking what TransUnion stated I needed after all these steps. I need a identity theft report sent to them and XXXX credit bureau about the XXXX XXXX inquiry. I need 2 identity theft reports. One for XXXX and one for Transunion. Please and thank you. I attached both credit reports.
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Credit reporting or other personal consumer reports
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XXXX XXXX credit account amount of XXXX is Im my report fraudulent and I have been forced to pay to keep my credit from being damaged Im asking that all three bureaus do proper investigation and remove these accounts from my report XXXX XXXX XXXX from all three of my credit reports immediately and completely asap and all inquiries I have a ftc report and will be uploaded it as well
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Credit reporting, credit repair services, or other personal consumer reports
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I NEED ALL 3 CREDIT BUREAU TO REMOVE ALL THESE HARD INQUIRES IVE HAD THAT I DONT HAVE NO KNOWDGED OF ... ..IVE CALLED MUILPLY TIME ABOUT THE INQURIES THAT I DIDNT RECOGNIZED OR GIVE ANYONE PERMISSION TO RUN MY INFORMATION I HAVE NO KNOWLEDGE OF IT, THEY DIDNT DO ANYTHING AND ITS DAMAGING MY CREDIT ... ..BESIDES THE I ENTERED I HAVE A FEW OTHER INQUIRES THAT NEED TO BE REMOVE FROM MY CREDIT REPORT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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Credit reporting or other personal consumer reports
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I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.
These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.
I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.
I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
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Debt collection
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In early 2019 I had an issue with a sore hip and pinched nerve in my lower back. I had numerous Dr visits, tests etc within the XXXX XXXX XXXX in the XXXX are of Wisconsin. Two days prior to leaving on a vacation, I had a XXXX XXXX in my XXXX and due to the quick scheduling my insurance company had not yet approved the procedure prior to me having it. I paid for the procedure in full on the day of service. A week or so later my insurance company approved the procedure and issued a payment. I never received a refund of the payment I made to them. Subsequently I had some additional Dr visits and XXXX XXXX appointments. I made copay payments at the time of each service.
I later received a notice from a collection agency ( Americollect Inc of XXXX WI ) that I owed {$200.00}. I called the billing office at the hospital requesting a complete accounting of charges and payments for 2019 and never was provided them. I made this request 4 separate times each time being promised that the records would be sent. The final time I was told that they can't provide the information because the account was turned over to collections.
The collection agency has also refused to provide the information I have requested. I don't know what else I can do. I have told them that I will pay it if they can provide a complete accounting as my records indicate that I have overpaid amounts owed and in fact due a refund.
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Credit card or prepaid card
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I opened a Home Depot Credit Card in XX/XX/2021 with a {$1000.00} purchase. I received a bill in late XXXX or early XXXX of {$1100.00}. I paid the bill in full. I received notification of late pays shortly after paying that bill, but used the card for another purchase of about {$810.00} and paid that balance in full. I called the number on the back of the card in XXXX and a nice young man told me he could credit me {$40.00} for late fees and we found that my address was incorrect. We changed my address. I asked him since the address was wrong and i was not getting statements, could he help me remove the 30 and 60 day late from my credit report and he checked and told me he could not, but I could dispute it. He did not sound sure so I called 2 more times. Both times I spoke with young ladies who were more sure of them selves and much more abrasive. Both ladies assured me they could not change the reporting to the bureaus because they were regulated by the government and FCRA and they had to report and report accurately. I went ahead and made disputes and I was denied. After the denials I did my research and found 15 USC 1666b covers the consumer in cases where statements are not sent to consumers and late payments can not be assessed. I am now writing to Home Depot Credit Services in the hopes they will be as serious about the USC when it favors me as they are when it favors them.
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Credit reporting, credit repair services, or other personal consumer reports
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My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
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Credit reporting or other personal consumer reports
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I noticed a bill experian added to my XXXX account without my knowledge or authorization, called XXXX. I was unable to contact an experian representative and they ignored my requests for clarification. I received an email stating my credit score had been decreased significantly. When I checked the experian account, I found they removed all of my XXXX bills without my knowledge or permission. They still have not told me how a random account was added, who added it, when, how and why. Something is very, very wrong and I can not get answers from this company. They should be shut down. They are destroying lives. It is not a joke. I am not a joke.
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Debt collection
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This company Stern Recovery Services has placed several medical debts on my account for dates that in no way possible can be accurate, they are reaged by more than a year. This company and other fraudulent companies like it ILLEGALLY re-age debt to when they received the debt not the date of original delinquency which is required by law. Every filing they have on my credit report is federally illegal due to re-aging of debt. XXXX is guilty of ignoring disputes and marking them as accurate when they don't bother to investigate at all.
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Money transfer, virtual currency, or money service
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Hello, My paypal account was locked and my funds my hold now I can not manage my account nor withdraw my money. I already contacted paypal for this matter but they said I did an unusual activity or something like that. I didnt do anything bad and now it is locked. I just wanted to withdraw my remaining funds at my paypal account XXXX XXXX
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Checking or savings account
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Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Iowa XXXX Dear Sir/Madam, I am writing to bring to your attention the unfair business checking account fees that have been accumulated in my account. I have been a loyal customer of Bank of America for several years and have always maintained a good relationship with the bank.
However, over the past few months, I have noticed that my checking account has been charged with numerous fees that I was not aware of. These fees have been accumulating without any prior notification or explanation from the bank, which has caused me great concern and frustration.
I have tried to contact the bank to get an explanation for these fees, but I have not received any satisfactory response. I believe that I have been taken advantage of, and I want the money back that has been charged to my account unfairly.
I am writing to you, the Consumer Financial Protection Bureau, in the hope that you can help me resolve this issue. I urge you to investigate this matter and take appropriate action against the bank to ensure that no other customers are subjected to such unfair business practices.
I have attached copies of my account statements showing the fees that have been charged to my account without my knowledge or consent. I hope that you will take immediate action to help me recover my money and prevent this from happening to other customers in the future.
Thank you for your attention to this matter.
Sincerely,
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Debt collection
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Constantly texting and calling me.
They have woken me up. Ive blocked their numbers and somehow still get texts from them
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Student loan
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I filed a complaint with your office Case # XXXX.
The case was closed due to the company responding.
In their response letter they said if I had any further questions that I could contact : XXXX XXXX, Executive Office of Customer Advocacy, at XXXX.
I left her two messages on her recording within the past two weeks and have yet to receive a return call.
I feel Discover is using unfair loan practices in my case and are avoiding to return my calls.
I would hope that perhaps this office can persuade a call back from her or any other Discover person in the Executive Office of Customer Advocacy.
I know this office can not act directly on my behalf but I do feel it could further review their practice and determine if they are practicing unfair loan practices by referring to the practices I explained in my complaint.
There explanation of my daughter 's debt to earnings ratio being to high at 22 % seems to be ridiculous.
Or even better if they deem a lender that is not eligible to qualify to refinance and lower their rate is refused a cosigner?
If they're truly concern is her inability to repay a loan why would they not want to accept a co-signer which gives the financial institution a greater protection on their loan?
Perhaps because they know that the refinance would reduce their interest earnings.
Sounds like an unfair loan practice that again should be looked into by the CFPB oppose to letting the financial institution continue oversee itself when their response makes no sense.
Student Loans have a very high delinquency rate and financial institutions should treat those borrowers that are paying in a more fair or perhaps more legal loan practice.
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Debt collection
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I received a summons that states I am being sued for an old credit card debt that the original company sold, and which I am unable to pay.
I am XXXX, and my sole source of income is judgment-proof XXXX and Social Security. My XXXX is permanent, and there is no foreseeable change in my financial situation.
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Credit reporting, credit repair services, or other personal consumer reports
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This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.
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Checking or savings account
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My account had a feature that allowed monthly service fees to be waived and they were not doing that and or for overdrafts and was done.
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Credit reporting, credit repair services, or other personal consumer reports
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I have three student loans reporting to my credit report. Two that are settled from XXXX. One that was opened in XXXX. The two that are closed are being reported accurately. The one I opened in XXXX is being reported as opened in XXXX, and is also listing all of my old late payments from the settled loans, from XXXX. This is a NEW loan and should not be reported as such. Currently these late payments are being reported twice, once under the new loan, and another under the old settled out loan. When I spoke to Great Lakes over a month and a half ago, the lady understood what I was saying and notated in my file that she recommended that I dispute the account with the credit bureaus. I did that. Fast forward to now, this information is still showing. Today I called Great Lakes again to follow up and they have zero answers other than to dispute again.
The open loan was not opened in XXXX, I was never late on this account, it is being reported as " worst status 120 days late '' and three times 90 days late. I would like this fixed.
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Credit reporting, credit repair services, or other personal consumer reports
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Inaccurate reporting. XXXX Account is listed as a charge-off for both Equifax and XXXX, however reports a balance and past due balance. A balance can not be reported an a charged-off account and the reporting is inaccurate.
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Checking or savings account
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I opened a checking account on XX/XX/XXXX using promotion code XXXX. I followed and met the requirements such as direct deposits totalling {$1000.00} within 60 days of account opening. I am still waiting for the {$400.00} to be deposited into my account.
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Credit reporting or other personal consumer reports
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I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.
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Checking or savings account
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Yesterday, XX/XX/2021 I was informed my Charles Schawb Checkings account with a balance around {$5300.00} was locked due to fraud suspicions I made a call twice provided my identity said I was cleared and the fraud department would be emailed and would reach out and today XX/XX/2021 I called again I got the same response nothing different and I havent received a call back or any emails
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Credit reporting, credit repair services, or other personal consumer reports
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To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof.
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The following items need to be removed and blocked as they are fraudulent.
1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account.
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDNELNET Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDNELNET Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDNELNET Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDNELNET Account Number : XXXX Please remove it from my credit report.
8. 15 U.S. Code 1681i - Procedure in case of disputed accuracy DEPTEDNELNET Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 9. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Please remove it from my credit report.
10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account.
11. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX & XXXX Account Number : XXXX Delete this account.
12. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
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Credit reporting or other personal consumer reports
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I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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Credit reporting, credit repair services, or other personal consumer reports
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I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
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Credit reporting or other personal consumer reports
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I have not supplied proof under the doctrine of estoppel by silence, XXXX V. XXXX ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
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Credit reporting, credit repair services, or other personal consumer reports
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This is not a duplicate complaint and I'm representing myself by myself. I'm extremally mad because only your bureau has reported this account on my credit history. How do you do investigation??? How you can back to me by saying this account was verified if you should send this to Creditor and Creditor must respond to you and if two others Bureaus confirmed that account is not verifiable then HOW YOU SAY OTHERWISE??
This credit dispute is being submitted as a new evidence dispute. The account that is being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.
The trade line listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating this account.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. The law says that you must block these accounts while being investigated, and I expect that you will do so.
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX 15 U.S.C. 1681 Section 602 A. XXXX I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate.
According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, this account doesn't belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that this listed account and items be BLOCKED and DELETED!
I'm also sending this complaint to the Attorney General.
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Credit card
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I paid my Macys Credit card off 2 times - the first time I paid it off in full. The next month they charged me another XXXX - then again the next month. I called and they stated that they would take care of it and pay it off. 8 months later I find out when I checked my credit they never did so. They kept charging my account XXXX - I have had this card since XXXX never had an issue until this year. I have never paid a bill late. Macys never sent me a notice about the account being pass due ever. I had to close the account and Macys still shows my status as Charged off / pass due and account paid. This dropped my credit score from XXXX to XXXX. I read on line that this is happening to a large number of clients. This is deceptive and additional charging to a credit card that has been paid off - if not out right fraud.
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Credit reporting, credit repair services, or other personal consumer reports
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On XX/XX/2022 consumer 's disputed with EQUIFAX the accuracy of all accounts for US DEPT OF EDUCATION student loans. ALL LOANS ARE PAID IN FULL with a {$0.00} BALANCE. EQUIFAX still has not honored consumer 's request and updated the accounts.
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Credit reporting, credit repair services, or other personal consumer reports
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I have filed a dispute in regards to the incorrect information being reported on my credit report. It has been well over 30 days and I have not received any investigation results.
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Credit card or prepaid card
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Good Morning, I have attempted to payoff a closed credit card account with ASPIRE since you last closed a claim for me in XXXX of this year. The company has continued with usurious fees and charges. On XX/XX/XXXX, I made a payment in the amount of {$150.00}. Today, I went online and spoke with three representatives altogether in an effort to close this account in its entirety as PAID IN FULL and receive a letter to that effect.
I have had one misrepresentation after the other from this company. The latest text scripts provided as written documentation is attached. I am on the telephone with yet another representative now trying to pay this account in full and they are refusing a zero balance letter.
UPDATE I have made in fact made the payment in full of {$170.00} as indicated in the chat documentation this morning. I have uploaded printouts of this documentation for your review. I did not, however include my checking account number though will provide this should you wish to contact me in a secure online environment. I was told by the representative that I will receive a zero balance letter within two days.
This claim is being filed in an effort to establish the validity of a ZERO BALANCE PAID IN FULL status of this Aspire Credit card that ended in XXXX.
Thank you in advance for your review and consideration, XXXX XXXX XXXX
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Checking or savings account
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On XX/XX/2022 I reported fraud on my banking accounts to USAA. They determined that I had had an account takeover which affected at least three checking accounts. I went through each account with the representative to identify the fraudulent activity which totaled over {$10000.00}. The representative said they were sending it to the fraud department and advised us to change all account usernames, passwords, and security questions, which we did.
On the XXXX of XXXX I called to get an update. I had seen no correction in the accounts and had not been contacted. All the accounts were still locked. The representative found that nothing had been started but they werent sure why. They sent an inquiry to the fraud department and said it would take 3 days to get a response.
About 4 days later I called again. This representative didnt see that anything had been done yet and sent another request for status and action to the fraud department.
I waited another week and called again. The representative sought input from their supervisor but couldnt get any further status.
Finally, on XX/XX/XXXX a representative called and said they were working on the accounts and would remove the fraudulent charges. It is now the XXXX of XXXX, over 5 weeks after I reported the issue and the accounts are still locked and the charges are still in place.
During this time, I have accrued charges from other institutions because they couldnt process bill payments. I havent been able to access my paychecks which have been deposited and the checking department from USAA called trying g to collect the {$10000.00} from the bad check from me despite the accounts being locked and flagged for fraud/account takeover.
The time to resolve the issue has been unacceptably long and I have been unable to get any status or explanation no matter how many times I call. XXXX lack of action is now risking my credit score because I cant access my money to pay bills on time. I find the entire experience completely unacceptable. After 20 years with the same bank I now believe they have serious security issues that they are over their head with but that they are trying to hide it from their customers. I want this issue resolved now so I can secure my money with a trustworthy institution and avoid further financial damage to myself caused by USAAs inability to handle account intrusions and restore accounts after hacking and fraud.
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Credit reporting or other personal consumer reports
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I contacted Barclays Bank Delaware to request specific information about my account ( # XXXX ), including the Date of First Delinquency, the Date of Last Payment, and the Date of Charge-Off. Additionally, I inquired if a Form 1099-C was issued for any canceled or written-off debt associated with this account. Despite my efforts, I have not received a response or the requested documentation.
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Credit reporting or other personal consumer reports
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The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following accounts to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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Credit reporting or other personal consumer reports
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I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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Debt collection
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I was contacted in XX/XX/XXXX to file taxes for XX/XX/XXXX. It was my error thought I completed on line. Filed with the Indiana Dept of Revenue ; no written response. Called, got hung up on, left messages no return calls, sent return in again, still no written XXXX from Internal Revenue Service, called again, was told putting hold on account, that did not happen. Got levy on personal bank account, rude people at both the Indiana XXXX, and Premier Credit. Not once contacted by Premier Credit, Indiana XXXX new dispute with amount owed. Claimed I did not send in XXXX and XXXX ; which I did both times. Basically, harassed by both
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in Data Studio
Consumer Financial Protection Bureau - Customer Compliant Database
This dataset is a cleaned version of the CFPB Customer Compliant Database. The ideal use case for this database is for fine-tuning a model for sequence classification.
This datasets consists of three splits: train - 2.24M samples validation - 560k samples test - 28.3k samples
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