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Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my XXXX/XXXX account.
I want you to know that I understand, and have great respect for my financial obligations.
Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my Experian that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.
In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it!
Thank you for your consideration.
Have a blessed day! |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XX/XX/18 fraudulent hard inquiry to my XXXX report by Santander. Attaching relevant police report. XXXX instructed me to contact each company making fraudulent inquiry individually. |
Vehicle loan or lease | Loan | I purchased a used vehicle in XXXX finance with Capitol One Auto. I received a letter from them stating I owed {$1300.00} in late fees and interest, in addition to a deferment in XX/XX/XXXX. I had one deferment in XXXX and never did another. I called on XX/XX/XXXX, spoke with " XXXX '' who initially stated I had no late payments and when I informed him that I made a payment and could verify in my bank statement. I asked to speak to a supervisor and was told " XXXX '' was on another call. XXXX transferred me to a " Resolution Specialist '' who spoke with broken English and could not answer my questions regarding proof of late payments. Instead stated " XXXX '' late payments which is totally false. I asked to speak to someone who spoke English coherently, like their immediate supervisor and was today was holiday and no one else was there. Really. The rep disconnected that call when I told them I didn't appreciate being lied to. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Currently my XXXX XXXX Credit Report reflects 22 charge offs, my XXXX credit report reflects 21 charge offs, and my Experian credit report reflects 21 charge offs. These accounts date back to the years XX/XX/XXXX-XX/XX/XXXXand once they were paid in full I requested that they be closed. I personally contacted the creditors and requested that they send me letters to reflect that the accounts were paid in full which I have attached. I am requesting that the incorrect and outdated information regarding the charge offs be removed from all 3 credit reports. In addition there is a creditor named XXXX XXXX XXXX and I have disputed this account for years. Initially it reflected as XXXX on my credit report and now they are under this name. I have never took out any student loans as my parents paid for my college education. I graduated from XXXX XXXX XXXX University in XX/XX/XXXX. You can verify this information by contacting XXXX XXXX XXXX University at XXXX. I have tried several times on my own to dispute and remove this incorrect fraudulent information however, nothing has ever been done. If you need any further information from my as old credit reports dating back to the tears XX/XX/XXXX-XX/XX/XXXXI will be happy to supply them. Please feel free to email me at XXXX or call me at XXXX if you have any further questions. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have been sending letters to the bureaus regarding some account reporting erroneous late notations. I have submitted complaints to the company directly and while they can acknowledge their mistakes, they refuse to help saying I have to take it up with the bureaus.Some of the lates are from my hardship due to Covid, where the bureaus so yourself have said you expect them to make goodwill efforts on credit reporting. I have received no help! So I have been sending letters but the mistakes don't seem to be clearing up. I will attach a copy of the letters sent, please fix accordingly. |
Credit reporting or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.
Account - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. |
Vehicle loan or lease | Loan | I have a vehicle loan from Capital One Auto Finance that has fallen behind because I have not had a job since XX/XX/XXXX. I tried to get an extension earlier during the summer but they denied it and has since put the vehicle out for repossession with XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX I received a text message from my ex girlfriend, mind you we have been split up for almost a year, that an agent from XXXX XXXX XXXX came by her house and disclosed that my vehicle is out for repo. Now it is my understanding that a repo agent or debt collector is not allowed to disclose that there is a debt owed to a third party unless they are authorized by the debtor. I then received a call on XX/XX/XXXX at XXXX XXXX from an agent for the same company saying that " This is XXXX and that I am a civil process server in XXXX County and that I have some papers I need to deliver to you. '' This is also a direct violation of FDCPA rules because a debt collector or anyone that is employed to represent the debt collector is not allowed to deceitfully identify himself as someone representing any type of court , county, state, or federal employee in order to scare information out of the debtor. I have the voicemail as well as the text messages from my ex girlfriend verifying this information. I have no called the finance company or the repossession company back because I do not want to be verbally assaulted. If the repo company is willing to disclose debts with third parties and to pre text to deceitfully get information then I do n't know what else they are willing to do. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX has incorrect information |
Debt collection | I do not know | I received a negative mark on my credit report in XXXX of XXXX, I learned via XXXX ( a credit monitoring app ) that I had a Collections Report on my account. The only information provided was that the debt attempted to be collected is {$530.00} and that the Lender is " XXXX XXXX XXXX. '' At no point did anyone from Amsher Collections or XXXX XXXX reach out to me in regards to this debt prior. I sent a letter via certified mail with receipt on XX/XX/XXXX and have received the receipt back yet no response from Amsher Collections to explain why the charge exists, whether they have the authority or licensing to pursue such actions or any proof of this debt existing with XXXX XXXX. As I have not been a XXXX XXXX customer since XXXX, I am highly concerned about the truth of this debt as well as my credit score and social security number being at risk. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | These accounts inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX, Equifax and XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Medical XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them.
I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back.
I called multiple times to remove the billing, they billed me through XXXX of XXXX, XXXX additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use.
XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection. |
Credit card or prepaid card | General-purpose credit card or charge card | This company provided the most inept, frustrating customer service experience of my life, wrongly withholding {$250.00} from me for nearly XXXX months as a result.
On XX/XX/XXXX I received an email informing me of a {$250.00} rewards redemption on my XXXX card. It was clearly fraudulent. I responded to the email and messaged Comenity through the website to tell them it was fraud. I also called the company and spoke to someone for over an hour detailing what happened.
I received no communication from the company for several weeks, and then months. When I messaged them through the website, I got stock replies. When I called, I got conflicting messages from their customer service personnel which left me with the impression that no action was actually being taken.
XXXX months after my initial complaint, they sent me a letter asking me to write them and describe what happened, even though I had already explained the situation multiple times on recorded lines. They clearly had not been doing anything to process my complaint. After I wrote them, they replied with Thank you for contacting us please allow up to 90 days for us to complete our investigation. No acknowledgement that this was an ongoing case. No recognition that I had been trying to deal with this for months. Nothing.
Later in XXXX, I complained to them on XXXX. They messaged me back, telling me to call the rewards center. The folks at the rewards center said they had no record of my complaint, and no open dispute! After XXXX and a half months, all my attempts to get their attention had produced nothing in their organization. Nobody was talking to each other.
Eventually, I went back to the XXXX customer service person, and they were able to investigate the issue and restore my rewards balance in less than XXXX hours! They had the ability to handle it the whole time, but instead the company strung me along for months without communication because of their ineptitude and contempt for me as a customer. |
Vehicle loan or lease | Loan | My mother financed a car with XXXX XXXX in XXXX in XXXX. The finance company is Overland Bond. My mother has paid her car note every month on time. Now, in XX/XX/XXXX a young girl hit her car which caused a car accident. In the police report, it stated my mother is not at fauly but the young girl was. The young girl`s car insurance refused to fix my mom`s car and put it down as a total loss which is wasn`t. Now my mom doesn`t have a car now. Overland Bond contacted me yesterday XX/XX/XXXX threatening to garnish my wages, put this balance on my credit because I am the co-signer for my mom`s car. I was not refusing to pay but the way the supervisor called and threatened me not knowing the insurance was supposed to cover the loss. They are stating my mom owes {$10000.00} which is incorrect. On me and my mom`s XXXX credit report, it shows my mom owes a balance of {$12000.00}. The insurance company agreed to pay {$6300.00} to Overland & Bond which actually leaves her a balance of {$6600.00}. Now, Overland Bond is stating the vehicle in total is {$16000.00} which is impossible because that is not a document of paperwork me or my mother signed. They won`t work out a payment plan with us. They are just now calling me yesterday XX/XX/XXXX stating the account is 25 days past due. How is that possible and I asked Overland Bond in regards to why are you guys contacting me 25 days later stating the account is past due! This is wrong and illegal and I want to file an action of suit against this horrible finance company and whatever arrangement we can make to not affect me and my mom`s credit would be great. |
Checking or savings account | Checking account | I previously filed a dispute and I think that there is a lot of confusion going on with it. The last time that I used was debit card was at XXXX XXXX. Any charges after that are unauthorized. My card was lost and I reported it as soon as I found out. Please help me get this situation under control. I do not wish to escalate it any further, only to finish my XXXX shopping. Thanks |
Debt collection | Credit card | On behalf of Citibank, a debt was settled through XXXX XXXX , XXXX . Some months later, XXXX XXXX XXXX , XXXX tried to collect the same debt. I wrote to XXXX XXXX explaining their error and received no response. XXXX XXXX continues to send mail demanding payment.
Attachments : 1. My letter of explanation to XXXX XXXX 2. XXXX XXXX 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, Citicorp Credit Services '' |
Debt collection | Other debt | CACH LLC has reported an account in the amount of {$26000.00} on my credit report. I have send multiple letter to the Credit Bureau and to CACH LCC to verify what this account is for and I have not received any of the requested information. The letters were mailed on XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. To date, I have not receive any response. I have been attempted to resolved this issue for almost a year now. I am requested that the account be removed from my credit report due to CACH LLC non-compliance. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
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. Also they aren't even in compliance with metro 2 credit reporting. I have
evidence to prove my case |
Vehicle loan or lease | Loan | On the XXXX XXXX XXXX XXXXXX/XX/XXXX, I XXXX XXXX signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase XXXX XXXX XXXX XXXXXXXX XXXX XXXX vehicle identification No. XXXX under customer Account XXXX XXXX, at the finance amount of {$24000.00}, finance charge of {$15000.00}, XXXX of XXXX, total sale price of {$42000.00} and a down payment of {$3000.00} for 72 months. My monthly payment was XXXX as a result. For the last four months I have been trying to get answers, going back and forth with Chrysler Capital and XXXX XXXX XXXX XXXX, since finding out that per 15 U.S. Code 1605 a finance charge is a sum of all charges and cash is not a part of a finance charge ( 15 U.S 1679a ) which constitute fraud on their part. The {$3000.00} dollar down payment should have gone to the finance charge but however, was kept by the dealership which I verified with Chrysler Capital.
I also found out that I had a Right Of Rescission which which I wasn't given disclosure of.
I have been learning about credit since I am not really from this country and went to check my report only to find over 15 enquiries done through XXXX XXXX XXXX which I did not expect to be so many, had no idea that they shop it around like that, and would not have authorized. This has affected me negatively since I have since tried to apply for apartments and funding and have been denied.
List of enquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Of the above list of hard enquiries the only valid one is Chrysler Capital who extended me the credit .
However the bureaus have refused to remove them from my report.
I called Chrysler Capital to put in a dispute several times, was transferred to the executive office where I spoke to an employee by the name of XXXX XXXX ID # XXXX who refuse to give me a full disclosure of the account ledger for my records after getting no where with my complain about XXXX XXXX XXXX XXXX. I also asked to get a copy of a document with Chrysler Capital showing Permissible Purpose I gave them, the authority to report to my credit file which Violates the Privacy Act. XXXX XXXX basically told me no and threatened me that my vehicle would be repossessed, and asking me if I can afford a lawyer ( which I took as a threat ) which I am pretty sure is also another violation of my rights.
I then preceded to send a " Right Of Rescission Notice '' to both XXXX XXXX and my sales person at the dealership ( XXXX XXXX ) on XX/XX/XXXX out of frustration. I got no response from either parties. The Dealer number of my Vehicle Buyer 's Order is XXXX, customer # 131270 Month XXXX ( XXXX ) I am again calling Chrysler Capital. I spoke to a XXXX ID # XXXX, in the executive office again, who said he escalated my complain for a " courtesy correction '' to the dealership escalation department however, I did not get any next steps after being asked what evidence I have I was violated. I said a contract and billing error stating everything I stated above. Again I was pretty much dismissed and even still, they are reporting and ruining my credit while I have an open billing error dispute which constitute racketeering.
Other violations I have in the XXXX is a clause that says " You, the buyer ( and Co-buyer if any ) may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under this agreement. it says " cash or on credit '' not " cash and credit ''. further it says " you choose to buy this vehicle on credit '' so any cash charge is a violation of what a finance charge/credit is. I believe this renders the contract null and void and the arbitration clause contained within won't hold in court.
I was led to believe that I had to put {$3000.00} dollars down which is not the case in a consumer credit transaction according to my comprehension.
Furthermore, I tried again with the XXXX XXXX employee XXXX ID # XXXX to request full disclosure of the accounting ledger since the origination of my account, Proof Of Title, a copy of the security instrument showing my interest in the transaction and was told by XXXX, just as I was by XXXX XXXX ID # XXXX that this is not something Chrysler Capital provides to customers. I wanted those documents for my records and a copy of whatever authority I gave them to report to my credit profile which they told me they don't have. Full disclosure refers to the general need in business transactions for both parties to tell the whole truth about any material issue per the SEC and Federal Statutes. I have therefore canceled my signature per 15 USC 1635 for failure of material disclosure, conspiracy to defraud ( Between Chrysler Capital and XXXX XXXX XXXX XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
( I chose to share this with consumerfinance.gov so I will not share the contract here unless I get some feedback about their email disclaimer saying that whatever information shared with me is private and should not be shared ).
Thank you |
Student loan | Non-federal student loan | Years ago I attended XXXX XXXX University for XXXX XXXX for less than XXXX semesters. Since then I realized the school lied about job placement and ultimately decided to attend XXXX college instead after racking up an overwhelming amount of student loan debt. In between that time I put my loan on foreberance. I recently became unemployed and have not attended college in over a year. I 've spoken with Navient and informed them of my situation and that I can not make payments. Their continuous harrasment has become impossible to deal with ; they call my cell phone night and day ( sometimes past XXXX ), they have contacted my old place of employment, they call my mom ( the co-signer ) all through out the day including late at night ( XXXX ). Every time I try to workout a payment plan they expect me to make payments I can not afford ( over {$200.00} ). I can not afford those payments so my only option is to default and continue gaining insane interest! The school that I acquired this debt for- XXXX , in my opinion, took advantage of my situation. I was he dropout child of an XXXX, my family never attended college, and they did not have much knowledge of loans and debt tied to private student loans. We were told that " fashion merchandising '' was a great career choice in XXXX Florida, there would be job placement, and that the graduating rate was 100 %. My mother reluctantly agreed since she thought this was a real University and that I would have a chance at a career. After less than XXXX semesters I spoke with XXXX in the program who said hat graduates they knew never got job placement and were so in to debt they had to drop out. I made the decision to leave XXXX by in still paying for it. I want help on lowering my loan to something affordable and realistic and I would also like to know my options regarding the legal issues and circumstances regarding instances like mine. |
Debt collection | Credit card | I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, XXXX XXXX XXXX has failed to deliver validation of debt. The only response that I received was the deletion of XXXX XXXX XXXX trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that XXXX XXXX XXXX was unable to substantiate this claim of debt and therefore removed it from the report agency.
This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of XXXX XXXX XXXX not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report. |
Debt collection | Other debt | I closed my account with XXXX phone company in XX/XX/2021 and also paid the balance before the due date. I called their customer service week later and verified my acct. was closed and no balance was due. When the XXXX phone bill arrived I called again and was told again my acct. was closed with {$0.00} due. Despite my acct. being closed, XXXX continued to bill me for several months even though several on-line inquiries and phone calls showed my acct. was closed.
I was not informed by XXXX that they had sent my incorrect unpaid balance to a collection agency. EOS CCA of XXXX is attempting to collect {$420.00} on behalf of XXXX. The EOS CCA acct. # is XXXX. My XXXX acct. # was XXXX. I have received a collection letter from EOS CCA and replied today to said letter informing them I am disputing this fraudulent debt.
All my phone calls to XXXX 's acct. cancellation and billing services phone numbers were answered by a contact service in XXXX or XXXX.These service representatives command of the English language was very basic and I have no way of ascertaining if they forwarded my acct. closure requests to XXXX in a timely manner, if they did so at all ; because it seems XXXX only closed my acct. due to the incorrect unpaid balance.
Thank You for your attention to this matter.
XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Date updated inaccurate fcra violation delete account XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXX XXXX XXXX Date updated inaccurate fcra violation delete account XXXXXXXX XXXX, XXXX XXXX Date updated inaccurate fcra violation delete account |
Student loan | Private student loan | XX/XX/XXXX my loans went into forbearance without my consent. I filed a complaint about art institute and in XX/XX/XXXX and Naviant. When that complaint was processed they must have put my loans in forbearance. I was on autopay and now it 's stopped. I 've called naviant but do n't have 1 hour to wait on the phone only to get a callback. I 've emailed them. <P/>Naviant was calling my phone 8 times a day before this even though I was on autopay. Not sure how to handle this. My interest rates are so high that I 'm not touching the principle. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | The company XXXX XXXX appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Experian has not updated my report as requested. XXXX XXXX XXXX is still reporting me as high balance and owing money, when I paid this account in full, was never late. They are continuously breaking Federal Law. This needs to stop. This is affecting me and my family. I can not get any credit or do anything to since my report is being high jacked by these tyrants. Please do the right thing and make these guys get it right. At this point and time I will be seeking legal counsel. For I have tried to resolve this 4 times now and have no results what so ever. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Equifax fails shows a unpaid account on crdit file for XXXX $ there is NO NAME NO ACCOUNT NUMBER date from XXXX! and then re-issue don XXXX/XXXX/XXXX I have asked for an investigation proving it belongs to me with no success the Equifax site will NOT allow me to dispute, the sire creashes when entering the information, I have called the EQ help line and put on hold for 20 minutes and then disconnected after being switched 3 times!
I want proof its mine or I will have to consider this fraud and stolen identity unless its removed from credit file! |
Debt collection | Federal student loan debt | They are contacting my co-workers asking where I am located. These are people who only know me by name. So far to my knowledge they have called at least 2 people.
I am currently having my wages garnished for the debt they are trying to collect and they are still harassing me and calling third parties about me. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Penalties and violations 15 U.S. Code 1681a - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
- 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
- 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( XXXX ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, XXXX be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than XXXX days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( XXXX ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( XXXX ) ; and ( B ) the person will comply with subsection ( b ).
( b ) XXXX on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( XXXX ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than XXXX days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person XXXX be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ).
( d ) Prohibitions ( XXXX ) Certification A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( XXXX ) from the person who requested the report.
( XXXX ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable XXXX or XXXX equal employment opportunity law or regulation.
( XXXX ) Certain public record information Except as otherwise provided in section XXXX of this title, a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the XXXX period ending on the date on which the report is furnished.
( XXXX ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681n - XXXX liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. = damages on business loans because of the information you provided on my credit report - 15 U.S. Code 1681- Congressional findings and statement of purpose ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- - 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt XXXX. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
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Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2022 I disputed negative inaccurate information on my consumer report and the items were not removed and I did not receive a proper response with in 30 days I am attaching the previously sent letters and the most recent letters as a final follow up. I have also enclosed information regarding accounts that should not be on my consumer report as well. I have also labeled the violations found by this company to my consumer report.
This company is in violation of the following codes pursuant to Title 15 USC Chapter 41 as stated by congress : 15 USC 1681e ( b ) reporting 100 % Accuracy ( https : XXXX ) 15 USC 1681 ( a ) ( 4 ) Right to privacy ( https : XXXX ) 15 USC 1681b ( 2 ) Permissible purpose ( https : XXXX ) 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions of Transactions or Experiences https : XXXX I have attached my dispute letters and request immediate removal.
I do not consent to e-Oscar or any means of automated system for verifying my disputes.
I request the cfpb to enforce the laws violated pursuant to congress. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX a collection being reported is not mine. The account belongs to someone else as I have never had a XXXX XXXX card. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have dispute accounts on several occasions and this company is still violating my consumer rights. The accounts and inquiries need to be removed or I will proceed with litigation. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting Act. The list of Accounts below has Violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX account Account number : XXXX 15 U.S.C 1681 Section 602 A. States i have 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 then seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | There is a FRAUDULENT item ( XX/XX/XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX XXXX XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan listed here is not accurate - account number, company name, payment history, everything is incorrect..Remove the student loans asap XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, XXXX/DEPTOFED XXXX |
Credit card or prepaid card | General-purpose credit card or charge card | I have been trying to pay off this card for over a year I keep making payments of about a XXXX per month and they keep on they keep on adding fees to it Making me start over again where I began at {$4000.00} Debt They are calling my phone every single day And their program says I owe {$800.00} as a minimum payment I can not pay this I want to put money towards the principle Not towards a constant fee I haven't even used the card In over a year. I am fed up and this is ridiculous I should be XXXX down by now On the way out update but yet I'm not This is in just and unfair They are sending a bill to my house every other day Harassing me calling me every day Sending the emails and letters and texts I don't want to call anybody because I will scream at them if I do. Is capital one credit services are a bully They deserve to be shut down by the feds And I don't recommend anybody use their services ever |
Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | In response to my previous complaint number XXXX I have attached a copy of the adverse action letter sent to me by Wells Fargo as well as my response and demand to that adverse action letter as a result of the discrimination and damage caused to me in the form of {$100000.00}. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I, XXXX XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1 ) Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX ) Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | i called all the 3 credit beauros and tried to remove credit inquires that were made using my identity. i have been a victim of fraude and sent them police reports and they never removed the credit inquires and 1 of my accounts on XXXX for a car loan. |
Debt collection | Medical debt | XXXX-18 My credit history is incorrectly showing two unpaid medical bills still owed to collections company " Financial Accounts Services ''.
Amount # 1 : {$4100.00} Amount # 2 : {$280.00} These medical expenses were confirmed as settled. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am a victim of a data breach in 2013, as XXXX XXXX and all of itts consumer personal financial information was exposed. Because of this recent discovery, I am very concerned about the privacy of my information, which has been compromised and it is all over in the dark web, loan accounts have been opened in my name. I was told to file a complaint now as I sent my dispute in with the major credit agencies with no action taken. A detailed letter of this dispute, my ID and my FTC ID theft report are attached. I'm requesting this information to be block from my credit report in accordance with the FCRA .Please remove all non-account holding inquiries in the last XXXX years. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have two fraudulent accounts that are someone using my identity to open up these accounts.
XXXX XXXX XXXX - {$1100.00} XXXX XXXX XXXX XXXX XXXX. - {$1100.00} XXXX XXXX XXXX XXXX - {$100.00} XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681.
Account Name : XXXX XXXX, Also known as XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account number : XXXX 15 U S C 1681 section 602 A States I have rights to privacy.
15 U S C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U S C 1681c ( a ) ( 5 ) Section States ; no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U S C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted. |
Vehicle loan or lease | Loan | I have a recent XXXX loan ( XXXX/XXXX/XXXX ) agreement with US Bank on my vehicle. Before the first payment was due I paid $ XXXX of the $ XXXX principal then followed up with the first agreed payment $ XXXX by the due date in XXXX.
When I logged in XXXX to make another payment, the online system showed I owed {$0.00} minimum payment, which makes sense due to my recent payment activities. I logged back in today and shows now I owe 2 months payment and they hit me with a late fee. Plus they updated the digital pdf statements showing I owed minimum payments.
I have contacted them and am waiting to hear their response to the above. I am not happy with the business practice revealed by US Bank. I also reminded them that we still have a 72 month agreement in place to pay off this loan and so expecting after paying $ XXXX down to continue making the same monthly payments, would pay the loan off well under 72 month agreement.
Respectfully, XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.
Here is the list of items that do not belong to me or were opened without my permission.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Date Updated : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate |
Debt collection | Medical | The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security XXXX so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am habitually ignored by Fifth Third Bank ( address : XXXX XXXX XXXX. XXXX, XXXX, OH ) employees no matter when I call or what the subject matter is. I have been calling XXXX XXXX ( phone # : XXXX ) XXXX, apparently in the office of the President of Fifth Third bank to report to her XXXX ) changes in my monthly mortgage premiums due to changes in my home owner ins policy ; XXXX ) the fact Fifth Third reported me and my financial status to XXXX as being effected by Hurricane IAN which is incorrect. I continue to pay my mortgage monthly and do not want this notation on my credit report.
She may believe it is more appropriate I call Customer Service but particularly because when I do that NO ONE calls me back, or their customer service skills are so bad I literally cringe when I speak with them, and because she has also evidenced this behaviour by not calling me back herself. I put a XXXX call into her today and I am sure I will not hear from her. Based on the overall pandemic situation, which lingers and the unrest everywhere, I am not trusting of very much. And when I ask a specfic person to CALL ME BACK XXXX TIMES I EXPECT A RESPONSE!! |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit card or prepaid card | General-purpose credit card or charge card | I applied for a Capital One credit card- 'XXXX XXXX I read all the disclosures ; since I didn't want a cc with any fees. The disclosure didn't mention a 'membership fee '. I was Approved. Once I received the first payment ; there was a 'Membership Fee ' of {$95.00}.
I called Capital One and they wouldn't waive the fee. They also said that they have the option to charge some customers the Fee and not charge others. I spoke to a Manager ; and he ignored my request. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX ... CREDIT COLL ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. |
Debt collection | I do not know | I decided to just settle this debt with RentDebt Automated and they informed me that as a courtesy they would delete this account from all there credit bureau 's. As of today XX/XX/20 this has not happened. I informed RentDebt Automated repeatedly that this account was not mine ( fraud ) but decided to settle just to get it resolved. I explained this to RentDebt Automated. I am asking that they delete this PAID collections from all 3 credit bureau 's. This issue has caused me be turn down for employment which I should have qualified for. Due to the current economic crisis we are currently in I had to seek employment, and this PAID collections is negatively effecting me. The issue with this account is not a good indicator of my actual credit worthiness. I have tried very hard to remedy this situation as well as make sure my credit isn't impacted negatively. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | To whom it may concer this letter is a formal complaint tht this company is violating several of my rights under the FCRA.In 15 usc 1681a2 under Exclusion states Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; However your company is reporting a late payment which Constitutes an experience and transaction to which both are part of the exclusion law stated above.Furthermore under 15 USC 1681 congressional findings ( 4 ) states there is a need to insure the consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy to which this company has failed to do.the following accounts on my credit report which are reporting illegal.
XXXX XXXX XXXX account # XXXX latepayment.
Dept of education account # XXXX/late payment.
Dept of education account # XXXXlate payment.
Dept of education account # XXXXlate Payment.
Dept of education account # XXXXlate payment.
Dept of education account # XXXX/late payment.
Dept of education account # XXXXlate payment. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX report shows that I have a credit card account with XXXX XXXX bank and that I have a {$3000.00} outstanding debt. It also shows another name as also known as which is similar to my name. It also shows a random address that I have never been associated with.
I also have a few other accounts that were opened fraudulently.
I do not own any accounts other than XXXX XXXX XXXX XXXX which is closed and perfectly paid.
I was a student abroad when the other accounts were opened here under my name.
I am in no way associated with any of the accounts other than the previously mentioned one.
My credit is going down the drain because of this fraud and I would like it to be fixed as soon as possible. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act 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 |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | My Experian credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the BK filing. It would be impossible to have a late payment reported the month following my bankruptcy as this violates the stay.
This is being reported on my my XXXX XXXX XXXX 's account as well as my XXXX XXXX XXXX Account |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Background On XX/XX/XXXX went to a financial institution to get pre-approved for a mortgage. Unfortunately when advisor pulled my file, the personal information and items on the report were incorrect. The advisor said they would try again later, as there might have been a mistake during the pull.
On XX/XX/XXXX, received an email from the advisor confirming the report pulled was associated with my SIN and let me know we would need to contact Equifax as the institution can not do anything on their side.
Timeline of communications with Equifax XX/XX/XXXX - called to ask for guidance into how to address credit report issue. Process was explained to me in detail with specific words to use to get the issue resolved properly. Raised the ticket same day with all the requested information. Was advised it would take a maximum of 10 business days.
XX/XX/XXXX - received multiple emails with updates on my file notifying the personal information was updated. The last email in the thread mentioned " Please note, with the information received, we can not process your request. It would be necessary to specify what information is incorrect ( providing the account number or any way to identify the item on your credit file that needs to be reviewed for us ) ''.
However, in the original application submitted on XX/XX/XXXX I shared all the accounts related to me and their details as per the advise of the associated who guided me through the process.
XX/XX/XXXX - called Equifax for help on this issue. No investigation was opened.
XX/XX/XXXX ( twice ) - first time was advised systems were down and to try later. Second time explained the situation and an investigation was opened. They mentioned it was a rush case and it would take 2 business days.
XX/XX/XXXX - called Equifax and was told investigation still ongoing and would be resolved in 3-5 business days.
XX/XX/XXXX - called Equifax and was advised to contact Equifax via email and provide phone number so team could contact me directly. Later learned this is generic email address only to be used for generic queries or complaints XX/XX/XXXX - called Equifax and they let me know the investigation was completed and that the email stating the same would be sent the next day. I also requested that a physical copy of the report was sent to my address and they confirmed the request would be raised.
XX/XX/XXXX ( twice ) - first time call was disconnected. Second time was informed the investigation was still ongoing, escalated and was told issue would be resolved in 48 hours. They mentioned the investigation was complete and only the update was pending.
XX/XX/XXXX - called Equifax and was told they meant 48 working hours and to call the next day XX/XX/XXXX - called Equifax and issue was not resolved, investigation still ongoing, it would be 2 business days as it was rushed.
XX/XX/XXXX - called Equifax and let me know that the dispute is still ongoing, that there are two items that are still being investigated and that again- it would be 3-5 business days. |
Credit card or prepaid card | General-purpose credit card or charge card | A complaint has been submitted to the CFPB regarding the lack of support from XXXX XXXX. I have recently been of victim of some type of scam involving both of my CapitalOne credit cards. I spoke with a representative from the Executive Office from Capital on XX/XX/XXXX and advised I would be able to provide any documentation that is needed showing I only made payments from my XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX accounts. The payments were just made through the mobile app that is provided by the Institution. The Institution advise the payment were made through a XXXX XXXX account in which I explained the situation numerous times and filed a police report ( see attached ). There has been no communication for the past month regarding the issue.
XXXX XXXX needs to be put on notice there must be some kind of fraudulent activity plaguing their Institution. I just received an instant message from someone on social media on XX/XX/2018 ( please see attached ) stating they work with an Insurance Company for XXXX XXXX. This is the same information that is depicted in the attached police report at the beginning of XX/XX/2018.
CapitalOne has a practice if the payment is made with an account other than the owner, the payment will not be accepted. I know this because CapitalOne contacted me when I paid a bill for my child 's aunt. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
I HAVE PROVIDED FULL AND COMPELLING EVIDENCE TO PROVE THAT THESE ACCOUNTS CAN NOT BE ON CREDIT REPORTS. I AM PREPARED TO FILE A CIVIL LAWSUIT AGAINST YOUR BUREAU IF YOU DO NOT COMPLY. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2021 and XX/XX/2021 I sent factual disputes with proof showing this inaccuracies in the date opened, high credit limit and the comment section.They updated this with the same errors. |
Checking or savings account | Checking account | XX/XX/2022 Capital One claims i made a deposit not in my name which triggered a fraud investigation into my account. The deposit was from XXXX and the USERNAME was not real name but the information used to verify that account was all of my real information. My account was closed on the XXXX of XX/XX/2022. However the account did not actually get closed out until XX/XX/XXXX. It is now XX/XX/XXXX, I have received a check for the interest payment of {$1.00} from my deposit of {$2000.00}. However there is no information or contact from the insitution on when I will receive my funds. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | My credit reports are reflecting the following FRAUDULENT inquiries that were made without my permission or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these FRAUDULENT inquiries. |
Debt collection | Other debt | XX/XX/2012 I contacted Conns and reported i needed help to notify the proper department of that my house had been broken into and i was told just bring the police report because my account was cover by insurance i purchased through Conns. I brought the reports to Conns and they politely thanked me and asked me if i needed help picking out replacement items. I didnt find any of the same items though. The next day my account was handed over to conns in house collections. I was told by the manager he did some investigations of his own and he be XXXX a female tries to pull wool over his eyes. He claimed to have read the police reports but still wouldnt handle the proper steps into my account being handled by his insurance department. He claimed i was wasting time and said women are to ignorant to handle a financial decision and i will just have to learn. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I had a Wells Fargo Dealer Services loan number XXXX for a XXXX XXXX XXXX XXXX. The car was involved in a total loss collision. Mi auto insurance company XXXX paid me and WFDS accordingly. The car was paid off with WFDS for the amount of {$7900.00}. I've got the confirmation letter from WFDS attached to this claim and dated XX/XX/XXXX But as today that paid off amount is still showing as a balance in the three credit bureaus and as an open account affecting my debt ratio and my credit score.
I have already talked to two representatives from Wells Fargo Dealer Services about this issue and they both told me their Credit Reports Department will take care of it. But nothing has changed and due to my bad experience with Wells Fargo and their bad reputation I am requesting the CFPB for help with this issue |
Credit card or prepaid card | General-purpose prepaid card | In 2022 I received two Mastercard prepaid debit cards from XXXX XXXXXXXX that are managed by " myprepaidcenter.com, '' but since receiving these cards I have never been able to use them to make purchases as the card promised. I did the following : 1. I went to myprepaidcenter.com website where I created an account to view my balances.
2. I activated the two prepaid Master card cards.
3. I have been unable to view the list of merchants that accept the cards 4. When I called myprepaidcenter.com customer support at XXXX the representatives I speak with do not give clear instructions on what merchants I can buy products from. Their explanations are vague, unintelligible, and oftentimes ambiguous.
5. Once the prepaid debit card expires after one calendar, the service charges {$4.00} USD per month, but send a new card to me.
6. On the front of the prepaid Mastercard card it is written " FUNDS DO NOT EXPIRE, '' but there is a {$4.00} service fee per month that is automatically deducted from my prepaid Mastercard card.
I believe this practice is misleading, deceiving, and inappropriate because myprepaidcenter.com falsely advertises a product that does not work. Consumerfinance.gov must investigate this matter further because there may be millions of dollars that consumers are being cheated of, and these companies are getting away with fraud by making it almost impossible to use these prepaid cards. |
Credit card or prepaid card | General-purpose credit card or charge card | A few weeks ago, my husband and I received in the mail what we believed to be replacement credit cards for our XXXX XXXX/Care Credit credit cards. We applied initially for Care Credit a few years ago to help us when we run into the occasional incidents where we have medical, dental, or veterinary expenses that exceed our out-of-pocket financial abilities at that time and the cards are used VERY rarely, MAYBE once every 1-2 years. Anyway, we received two cards from Synchrony/Care Credit that we believed to simply be replacements for our existing cards. The cards had the standard stickers on the front to call and activate them, so I did so and did not encounter anything that seemed out of the ordinary or unusual from any other time I've ever received new cards from any other bank/credit card institution. I believe that the new cards were just that, new cards ( possibly with an increased spending limit, I don't recall ). In the past when I've encountered such circumstances with other such credit companies ( like XXXX XXXX ), a new card or an increase in spending limit does not equate to a whole new account being opened. However, today I received notice from XXXX XXXX ( via a feature that I use to monitor changes in my credit ) that a new account had been opened in my name and it had adversely impacted my credit score. Upon review, Synchrony/Care Credit had closed my prior account with them and had opened a whole new account for me and my husband when I activated the new card. The closing of one account and opening of another dropped our credit scores. I immediately called the credit bureau ( XXXX, in this case ) and reported this issue as a dispute on both of our credit reports. At the advice of the credit bureau, I also called Synchrony/Care Credit to ask why they had closed my old account and opened a new one as opposed to just giving me the new card/increasing my limit on my old account. I was advised, basically, that they had sent me fine print or a " disclosure '' that had informed me this is what they would do. Respectfully, I am a XXXX XXXX XXXX and maintain this designation actively. I XXXX XXXX and XXXX for a living. I am far more savvy and attuned to these sorts of things than the average consumer. So if I fell for this, I imagine many other consumers are as well. I don't think what Synchrony/Care Credit did is honest/ethical and I certainly would not have consented to opening a whole new account with them for a card that I do not maintain a balance on and use incredibly infrequently and only for certain specified purchases. I feel this practice of sending account holders mail that looks like just new cards is a dishonest and questionable business practice. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with The Fair Credit Report Act XXXX account XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 B states i have the right to privacy.
15U.S.C 1681 Section 604 A section 2. I also state a consumer reporting agency can not furnish your account without my written instructions |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX XXXX XXXX XXXX, XXXX, XXXX advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX XXXX XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when? |
Checking or savings account | Checking account | The bank closed my account because I complain about their services and withheld my remaining balance of $ XXXX as this time they have not return my money it is the law that when the bank close the account they have 60 days to return my money and it is now over 7 months? |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | There are a few accounts on my credit reports that are reporting inaccurate information. There are accounts that I am not familiar with, Creditors that I have never done business with reporting negative accounts on my reports. They are reporting that I had a repossession with XXXX XXXX, and are reporting two collection accounts with XXXX XXXX and XXXX XXXX. I have been disputing these accounts for some time now with the credit bureaus and they have failed to respond to my disputes. I have asked for validation of these accounts. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. I have reached out to these creditors and they have either not responded or have not provided proper valid sufficient documents that prove the account and debt belongs to me. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | It states that I have a closed account with XXXXXXXX XXXX from 2019 but this account was closed because it paid in full. Equifax is reporting incorrect information about this account and I would like for it to be removed as quickly as possible. This is effect my credit score. This account was paid in good standing and was not delinquent. I have a new account with the company that is in good standing. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I was a victim of identity theft and have a address that doesnt belong to me on my file and a bunch of inquiries inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX |
Credit card or prepaid card | Store credit card | Macy 's closed my account ending in XXXX and transfered the balance to a new account ending in XXXX. They increased my account from XXXX to XXXX, XXXX with out my approval.
I want my original account to be open. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information. |
Debt collection | Medical | Over the course of 3 years ranging from when I was XXXX - XXXX years old, I had multiple visits to a Medical Office where I was seen. Undenounced to me these visits were not paid in full by my Mother or Father which were my legal Guardians at the time. The unpaid visits were sent to a Collection Agency in an attempt to collect. The Collection Agency placed the past due debts under my name/ social security number with information on paperwork they shows I was under the age of XXXX at the time of the visits. Unknowingly I paid these debts off in full thinking they were for something else. The Collection Agency is offering to refund my money, but, only after I informed them of this situation years after it began. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. |
Debt collection | Credit card debt | Convergent Debt Collectors called about an XXXX XXXX account that was more than 10 years old. I disputed the debt and told them to stop calling me. They called me about 10 more times from XX/XX/19 until XX/XX/19. I sent them a Do Not Contact notice via USPS and spoke with them on the phone. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022, XXXX XX/XX/2022. |
Debt collection | Other debt | You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to 12 CFR 1006.38 D ( 1 ) The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.
Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Exhibit ( A ), it is evident that Sunrise Credit Services, pursuant to 15 U.S. Code 1692e ( 8 ), has communicated false credit information about me, the consumer, to XXXX. This communication includes information that they either knew or should have known to be false. This misconduct has had a detrimental impact on my reputation, making it difficult for me to obtain credit extensions. Consequently, I am experiencing emotional distress as a direct result of their actions. Under 15 U.S. Code 1692k ( a ) ( 1 ), Sunrise Credit Services is held liable for the actual damages caused by their false reporting, specifically the harm inflicted on my reputation and the resulting effects on my ability to access credit. Furthermore, they are subject to fines of up to {$1000.00} for their unfair and misleading conduct. In addition, pursuant to 15 U.S. Code 1692e ( 10 ) Sunrise Credit Services use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer., pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to Sunrise Credit Services actions, I assert that they have violated 15 U.S. Code 1692d ( 1 ) by using criminal means of identity theft to harm my reputation. As a consequence of this misconduct, I hold them liable for actual damages and emotional distress under 15 U.S. Code 1692k ( a ) ( 1 ). They are also subject to fines of up to {$1000.00}. While Sunrise Credit Services claims to be a " Furnisher '' of information and asserts their obligation to furnish accurate information, it is important to note that pursuant to 12 CFR 1022.41 ( c ) ( 2 ), they can not be considered a " Furnisher '' because they are acting as a " consumer reporting agency '' as defined by 15 U.S. Code 1681a of the Fair Credit Reporting Act ( FCRA ) .My identifying information, which includes my name, social security number, government identification number, date of birth, and account number ( a unique electronic identification number used to identify me as the consumer ), falls within the definition of identifying information outlined in 12 CFR 1022.3 ( g ) ( 1 ). When combined with information about my transactions and experiences, this constitutes a consumer report under 15 U.S. Code 1681a ( d ) ( 1 ) ( A ). It is crucial to recognize that Sunrise Credit Services, is a consumer reporting agency because this information pertains to my creditworthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of assessing my eligibility for credit. Additionally, it directly impacts my credit score as specified in 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ).
In addition Sunrise Credit Services engage in any conduct to harass, oppress, and abuse i the consumer in connection with the collection of a alleged debt, as shown in exhibit ( ) pursuant to 15 U.S. Code 1692d ( 2 ) The use of obscene or profane language holds you liable to fines up to 1,000 pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such actions from Sunrise Credit Services I the consumer pursuant to 15 usc 1692c ( d ), Pursuant to 15 usc 1692c ( c ) i am refusing to pay this debt and demanding you to cease all communications pursuant to 15 usc 1692a communications means the conveying of information regarding a debt directly or indirectly to any person through any medium including any and all including consumer reports, consumer reporting agency, debt collectors, family, friends, associates, social media Pursuant to 15 usc 1692c ( c ) ( 2 ) i am invoking my specified remedy as the creditor who created this debt, Pursuant to 15 usc 1692c ( c ) ( 1 ) i am demanding you to terminate all debt collections efforts send account back to original creditor notification shall be complete upon receipt of letter With Explicit Reservation of all Right, Without Prejudice UCC 1-308.
XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | 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.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This complaint is continued from my previous complaints. I included the police report I filed because I forgot to list it in the other complaints. listed below are the complaint numbers from cfpb : Complaint # XXXX Complaint # XXXX Complaint # XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/XXXX I made a payment of {$490.00} to Bridgecrest auto for my car loan which I was advised by a Bridgecrest rep was the amount due to avoid a late reporting. The rep said it was for {$490.00} today. On today I received an alert stating that Bridgecrest reported my payment 30 days late. On XXXX it states that I am {$50.00} late which is inaccurate. I called Bridgecrest and asked if they could please fix the 30 days late. I had never asked for anything to be removed or updated on my report, I was told no. The 30 day delinquent has dropped my credit score significantly on one of my reports by as much as XXXX points. I would just like to get some help with getting my reports updated to current. |
Debt collection | Other debt | I contacted Genesis Credit on XX/XX/2020 and spoke with debt collector XXXX XXXX. He explained to me that the alleged debt they were trying to collect would be reported on my credit report soon because the original creditor had been trying to collect the debt since XX/XX/2020. I asked specifically if the original creditor had sent us notices and which method they used. He explained it would have been in late XX/XX/XXXX and XX/XX/XXXXand that these notices would have been mailed. He also implied more than one notice had been sent.
I cancelled an application to XXXX XXXX ( parent company XXXX ) on XX/XX/2020. On that day I was informed in writing that I would be receiving a refund of {$190.00}. After several attempts to collect my refund I put in a successful credit card dispute on XX/XX/2020. The dispute was for the 2 payments of {$170.00} each myself and my husband made because I was unable to dispute a different amount. Upon request Genesis Credit provided me a Final Account Statement from XXXX XXXX that was dated XX/XX/2020 that was for the money I received for the credit dispute plus 2 non-pay fees.
I reiterated in an email to XXXX XXXX on XX/XX/XXXX that " I also want to point out per our phone conversation that you indicated XXXX XXXX sent us letters in XX/XX/XXXXand XX/XX/XXXX( that we never received ) about the money we owed them. From my understanding from both yourself and XXXX XXXX ' Business Manager XXXX XXXX that we are being charged the {$500.00} because we disputed the payment we made with our credit card company. However I didn't make that dispute and reverse the charge until XX/XX/XXXXand they totaled {$350.00}. There's a lot that isn't adding up on this situation. I'd like to reiterate that the letter I recieved on XX/XX/2020 was the only correspondence I received about this alleged debt. '' No reply was ever sent back from him.
I have had one other conversation with Mr. XXXX via phone on XX/XX/2020 and again he tried to explain that I was running out of time to pay because they had been trying to get this money since XX/XX/XXXX.
Of course per of the Fair Debt Collection Practices Act that states " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt '' I see 3 instances that violate this act.
1.Telling me I owe debt from months prior from when the alleged debt occurred for the purpose of pressuring me to pay the alleged debt.
How is it possible I owed money in XX/XX/XXXXand XX/XX/XXXXwhen the credit card dispute and account statement from the original creditor both occurred in XX/XX/XXXX?
2. Telling me invoices had been mailed to me. Because I have not received these alleged invoices despite requests to both Genesis Credit and XXXX XXXX I can come to no other conclusion than this was a false statement.
3. Implying more that one invoice had been sent.
All of these instances were misleading, deceptive and false for the purpose of inflating the situation and adding more pressure to pay the alleged debt. It also implied that I didnt have time to dispute the debt because they had been trying to get ahold of me for so long and the time was running out before the alleged debt would be added to mine and my husbands credit report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Self lender reported for XXXX to XX/XX/2023 a balance of XXXX dollars..my credit limit is XXXX..on my credit card stament close date my balance was on XXXX cents..I was way under 30 % of my credit utilization..my stamens close date was XXXX I never spent any of my money on the card..therefore my balance was reported inaccurate I even called them to verify my statement close date ... my credit score went down XXXX points ... this is fraudulent in accuracies and they should be punished by law as a credit company ... in XX/XX/2023 they reported my balance was XXXX dollars when I had a balance of XXXX dollars of a XXXX dollar limit.. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | remove the different names on my credit report : XXXX said it was a mistake by companies and it doesn't matter... I only have 1 name XXXX XXXX XXXX Received 2 letters from XXXX Credit Card asking for information. I called and said I did not apply. @ nd letter said I was declined. I called they said it was fraud ... and they would review ... and remove from my credit inqueries..
I FILED ALSO WITH FTC XXXX XXXX my C/C texted me XXXX WAS BEING CHARGE {$1400.00} I called them and said it wasn't me please block XXXX from my C/C 1.XXXX CARD XXXX XXXX XXXX XXXX DE XXXX XXXX 2. XXXX XXXX XXXX..REASON AUTO LOAN : I HAVE XXXX DID NOT APPLY TO XXXX 3.XXXX XXXX XXXX XXXX : DO NOT KNOW THIS XXXX 4.XXXX XXXX XXXX ... ..DO NOT KNOW THIS 5. XXXX CREDIT/XXXX S RV NO PHONE NUMBER... .DID NOT APPLY FOR AN RV 6. XXXX CREDIT/ED XXXX XXXX NO PHONE NUMBER DID NOT APPLY 7.XXXX needs to remove soft credits ... .I was mislead by the web site and I was charged a subscription... .I only wanted the free boost they were emailing me gave me MEMBER ID : XXXX. I CAN NOT CLOSE IT OUT I DONOT WANT THEM CONNECTED TO MY PERSONAL BANK ACCOUNT MY name, phone number are on the DARK WEB I was also scam by an attorney on credit consolidate in 2014 paid 3 years then notified by the attorney generals office that I was a victim |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am a legal resident of Delaware and after doing some investigation on the company attempting to collect a debt. I discovered that XXXX XXXX XXXX. is not legally Licensed to collect debts in the state of Delaware. |