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Mortgage
|
In XXXX of XXXX I went into forbearance due to COVID and my wife not working. I received letters this year from Navy Federal Credit Union saying in XX/XX/XXXX my forbearance would end because it has been 12 months and I would have to complete the loan modification, as they said that was the only option. Shortly after signing the loan modification, a friend told me there were two more three month extensions authorized by the XXXX in XXXX of XXXX that Navy Federal did not make an option for me and was an option at the time I was told I had to complete the loan modification. I have asked them to please allow me to utilize the extensions and they said they cant. I explained I was not told of the two three month forbearance extensions at the time I signed my forbearance and should be allowed to use the extension in the Cares Act.
| 10
| 10
| 802,309
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am a victim of identity fraud. I have submitted documentation as in a police report proving identity fraud. I also find problematic that I was a victim of the security breech, which was my drivers license, and these items still have n't been removed. It is an issue that Equifax did not protect my information but yet, still allows these fraudulent items on my credit report. The items that I have disputed are as follows : All XXXX accounts ( XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and all of those inquiries with the exception of the inquiries from XXXX 2016.
I have disputed these items multiple times. Multiple times they have been denied. Also I see that Equifax has tried to cover up the fact that the investigation was n't completed within 30 days so they reopened another one to cover everything up.
I have records of conversations, the numbers of disputes that I have opened, and more as proof. I also have my police report. I am prepared to file a lawsuit against Equifax and I will. I am tired of Equifax playing these games and messing with my livelihood. I do n't appreciate it and I will not sit back and just take it anymore. I will be filing a lawsuit asap because my rights have been repeatedly violated and I am not going to sit here and take this anymore. If you do n't want that lawsuit to happen, you will remove those items asap in accordance with my police report that is attached.
| 3
| 3
| 359,366
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am submitting a complaint against Experian concerning my credit report, I have sent several letters and submitted several disputes concerning my credit report and outside of a few changes everything remains the same.
The fact that everything remains the same is an issue but it's not the biggest issue. I have taken time to contact every person listed on my credit report and was advised that there have been no actual investigations done, after getting notification of this I asked XXXX to provide me with the means in which they have verified this information and it was never provided just a simple note stating " verified-remains ''. I have worked with XXXX XXXX, XXXX and various other reporting services and none of the information on those reports even match what XXXX is reporting. I am an identical twin and her file is mixed with mine I have also reported this, I have also asked for freezes to be in place and even with freezes inquiries are being placed on my report that I did not authorize. This is a violation of their duty as a credit reporting agency to ensure that they are following the correct protocols and reporting correct info but they are also not following E-Oscar or Metro 2 protocols. Here are the accounts that I have disputed on several occasions and they are not actually investigating because if they were they would have the same information the actual company is showing Names- XXXX XXXX Name ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX -duplicate Name ID # XXXX XXXX XXXX XXXXL Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Accounts Account NameXXXX XXXX Account NumberXXXX Account NameXXXX XXXX Account NumberXXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account NameXXXX/XXXX Account NumberXXXX Account NameXXXX/XXXX XXXX Account NumberXXXX Account NameXXXX/XXXX Account NumberXXXX Account NameXXXX/XXXX duplicate Account NumberXXXX Account NameXXXX/XXXX Account NumberXXXX all XXXX accounts need to be reviewed most are past 7 years, and have been deleted and reinserted with new times entered for deletion, for example how is an account added in XXXX on my report until XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX | XXXX DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also several XXXX XXXX and XXXX accounts from XXXX still reporting on my report that of course fall outside of the 7 year mark and should not be reported.
Revolving Accounts- These are not my accounts and the companies have verified my name and social do not come back with an active or inactive account, it does come back with my sisters info though. If they have verified with these creditors I need to know who verified them.
XXXX XXXX XXXX XXXX XXXX/XXXX | XXXX XXXX XXXX/XXXX | XXXX XXXX XXXX/XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX Collections- These are not my medical accounts I have spoken to the actual medical providers and the account that I do have with our local hospital I make payments on and the account was never referred to collections, the collection agency was unable to pull me up by name but had the last four of my social, the patients name does not match mine. Again if this was verified who verified it and when and provide a reference number from the verification.
XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Public record- I have verified with the bankruptcy courts here in XXXX ga that they will not and have never verified this information with any credit reporting agency because this record does not exist for me, this record belongs to my twin sister.
Record Details Record TypeChapter XXXX bankruptcy discharged Date FiledXX/XX/XXXX Date ResolvedXX/XX/XXXX ResponsibilityIndividual Reference NumberXXXX Reinvestigation InformationThis item remained unchanged from our processing of your dispute in XX/XX/XXXX.
On Record Until XX/XX/XXXX Inquiries- I have not authorized these and I have asked for freezes to be placed on my report where creditors have to contact me in order to extend credit to verify its me. I removed this freeze today because it was redundant to have if its not going to be adhered to.
XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX Rental on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX/XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, OR XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Credit Granting. This inquiry is scheduled to continue on record until XX/XX/XXXX.
| 3
| 3
| 376,926
|
Checking or savings account
|
Opened accounts with Citibank. There was a {$400.00} account opening bonus if I met certain criteria after the accounts were opened.
Into a savings account I put over {$15000.00}. Into a checking account, I caused direct deposit payments from my work to be sent.
I met the account opening bonus criteria.
Citibank has yet to issue to me the {$400.00} credit, even though I've make many, many, many phone calls to them about the matter, and also sent to them mailed letters - all to no avail.
I've also emailed the " executive escalations '' group at Citibank, and that didn't help either.
Proof of my compliance with the requirements for the bonus is attached for where a Citibank agent states in a chat session that I have met the requirements for the bonus.
| 7
| 7
| 366,736
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have filed for my student loans to be discharged and recent they have been discharged. But that has not been reported to all three credit bureaus to be removed. Which this debt is affecting me heavily.
| 3
| 3
| 864,726
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX and XXXX keep reporting several accounts as verified and I never received any prove stating that this was accurate. Experian sent me a letter stating that accounts could not be verified and deleted immediately.
XXXX and XXXX are reporting one account as Bankruptcies with XXXX XXXX, and that is inaccurate I have not filed bankruptcies at all and it's no court records of that, so it couldn't have been verified and this was after a second letter.
They are also, reporting XXXX 's which was sold off to another company and they couldn't verify the information and again Experian deleted because it was unverifiable ; as well as, XXXX XXXX which again Experian deleted, because it was unverifiable.
I filing this and I am sending another certified letter for the third time because these things are false claims on my credit report, which can not have been verified because " Experian '' did there job and correctly removed items and I need XXXX and XXXX to do so or legal action will have to be filed due to them failing to follow section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 7 ) and 611 ( 5 ) ( A ) and legal action based on ( Section 616 and 617 ) as well.
| 3
| 3
| 575,571
|
Credit card or prepaid card
|
All charges from XXXX XXXX are FRAUD
| 1
| 1
| 330,207
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX XXXX has violated The Fair Credit Reporting Act ( FCRA ) by mistakenly reporting me as deceased to multiple credit reporting agencies. This is violation of Section 1681e ( b ) " Whenever a consumer reporting agency compiles a consumer report, it shall follow reasonable processes to ensure maximum possible accuracy of the information ''. XXXX XXXX had not conducted due diligence. They are the only active creditor reporting this incorrect status to credit agencies.
Attached screen shots : XXXXXXXX XXXX-Transunion XXXX XXXX complaint is being filed against XXXX XXXX XXXX Their account had been listed on my credit report and closed.
Recently they fraudulently notified multiple credit report agencies of a new status. The screen shots note that the consumer ( me ) has reported to them that I am deceased. I have not had any contact with XXXX XXXX, or any of their affiliations, since I posted my last payment. I certainly have not contacted them to advise I am deceased, and I am still living.
Their actions have caused my credit score to drastically reduce such that it does not register on credit agencies reporting scale. Another attached screen shot for XXXX XXXX, via XXXX XXXX, shows that I can not access my credit report through XXXX XXXX XXXX. Upon speaking with XXXX XXXX, they advised this is due to being listed as deceased.
I understand not having any credit score will impact the possibility of getting any loan. Credit reports are also used as background checks for employment verification. I am currently applying for jobs. As such I could be impacted for employment.
Additionally, while my account is closed, XXXX XXXX continued to charge interest. They also " reopen '' the account so the XXXX ( XXXX ) year clock to stay on my credit report would restart.
| 3
| 3
| 17,240
|
Mortgage
|
Please help me. I have tried for over 6 months to get a modification with Ditech and was finally told they had everything they needed two days later I got a denial letter stating they were n't approving my modification because my hardship was n't temporary. Sir I had a hardship last year that is now resolved and i have the ability to maintain this mortgage. I have the past due funds for ditech and they agreed few months back to take them but started foreclosure and now there are attorney fees. I have had to hire an attorney now myself and this money could be applied to my mortgage, I have a very small past due amount at this time with ditech and I have appealed the denial letter in a timely fashion. I have done everything asked and I still need help getting this issues resolved before mediation in XX/XX/XXXX.
| 10
| 10
| 849,040
|
Credit reporting, credit repair services, or other personal consumer reports
|
THE ACCOUNTS LISTED HAS BEEN REPORTING AS DEROGATORY ACCOUNTS ON MY CREDIT FILE. THOSE ACCOUNTS HAS BEEN TARNISHING MY CREDIT AND I WOULD LIKE THEM TO BE COMPLETELY OF FMY CREDIT FILE. THESE ACCOUNTS HAVE PREVENTED ME FROM ACQUIRING NEW CREDIT AND I AM IN DISTRESSED THAT THIS HAS BEEN GOING ON WITHOUT MY KNOWLEDGE UNTIL I RECENTLY UPDATED MY REPORT.
| 3
| 3
| 82,955
|
Credit reporting, credit repair services, or other personal consumer reports
|
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.
| 3
| 3
| 336,194
|
Credit card or prepaid card
|
In late XXXX, I contacted Citi about XXXX miles missing from my rewards on my XXXX XXXX card that I had met the spend bonus for. I was instructed there was a system error that prevented the points from posting because when I converted my old XXXX XXXX card to a Citi Double Cash card which marked the XXXX XXXX card as " closed '' instead of " transferred ''. I was subsequently denied my claim of having the bonus XXXX miles added to my new card. This is a potentially deceptive & unfair as I opened the account under the premise that I would be able to spend on the card, get the bonus miles, and then be able to continue to use the card for trips. Had I known I would be held liable for a system error out of my control that Citi has, I would have strayed away from opening this card. The card in question that was " closed '' is still technically open. I should not have issues because of Citi 's system not marking the account correctly thus causing me to open an account with a hard inquiry with usage.
| 1
| 1
| 454,428
|
Credit card or prepaid card
|
I called Synchrony/Care Credit serval times the first time was on XXXX XXXX to ask them to make my statements electronic because I have been having issues at my address with someone going in my mail box I do not always receive my mail. The representative said that the statements would be electronic and I would receive them that way, the following month which was XX/XX/2021 I did not receive the statement electronically which caused me to miss the payment. I called in serval times explain to different representatives and they were very mean and unprofessional, after serval calls to this company and serval threats that they would close my account if I did not pay or they would lower my credit limit they did lower my credit limit. This is unfair when it is the company 's fault that the payment was late. My limit is lowered and XXXX cant call again because of fear that the card will be closed next.
| 1
| 1
| 256,961
|
Debt collection
|
Co-signed a auto loan for son with Midwest Acceptance the car was stolen in XX/XX/2015. Insurance paid them off but they report it as a charge off when it wasnt. I contacted them to discuss this and they were rude and verbally mean.
| 5
| 5
| 696,927
|
Credit reporting, credit repair services, or other personal consumer reports
|
TransUnion, XXXX, and XXXX is continuing to list inaccurate information on my credit report. Ive sent numerous letters asking for these accounts to be removed as it is illegal to furnish inaccurate information on my credit report.
| 3
| 3
| 39,228
|
Mortgage
|
Dear Sirs, We have been requested help several times to keep our home, we were providing all documents requested by the bank : last year was Green Tree now they change the name to Ditech. It is very frustrating, after 5 days they have received last paperwork required and the file was complete for review they said that we do not qualify to obtain a home affordable payment even when my husband was unemployed and our loan investor is XXXX. We want your mediation to assure they going to review our file ans we want to ensure that our paperwork will presented to our final investor, we hope they will have the time to see if there are any options that might help us to obtain an affordable payment to keep our home. Once again, we have submitted the complete package, it was uploaded into Ditech system. It is very hard situation for us, we are trying do not fall behind in our monthly mortgage payment but every day is more difficult and the bank. I know this is one of the loans that XXXX XXXX XXXX has been transferred to several companies. We do not want fall in our mortgage payment, we are asking for help to obtain an affordable payment in these moments when our situation is become very difficult.
| 10
| 10
| 923,841
|
Credit card or prepaid card
|
I opened this store credit account to purchase a couch from XXXX 's XXXX XXXX on XX/XX/XXXX in the amount of {$890.00}. I made continuous on-time payments and eventually saw that fraudulent purchases were made on my account.
After realizing this, I took care to contact Wells Fargo in XXXX to let them know of the fraudulent charges made. I spoke with a representative who made a report and claim on my behalf, and assured me I would be contacted back about this. Fast forward 2 months, and in XXXX, I notice more purchases made on this card which I had assumed was frozen/closed.
I contacted Wells Fargo a second time to express my distrust in their security and also made another claim to let them know I had only ever authorized XXXX purchase in my home city. Who needs to buy furniture in XXXX different cities?
I received mail stating that on XX/XX/XXXX, XXXX " miscellaneous debit adjustments '' were made on my account after I had formally closed it in XX/XX/XXXX. This tells me that my fraud claims were denied and dismissed.
I called Wells Fargo again on XX/XX/XXXX and asked to reopen my claim. I have no faith that Wells Fargo will honor this, and I should not be held responsible for purchases I did not make. I can only hope that by making this report, I can deter anyone from using Wells Fargo 's credit lines offered in XXXX 's XXXX XXXX. Especially due to the fact that their store credit cards do not have expiration dates, nor CVV codes on the back to verify the cardholder 's identity. Anyone could simply guess a credit card number, and it would eventually be approved with no resistance.
As luck has it, I'm in the middle of the process of purchasing my first home, and I am dealing with fraud at the same time.
| 1
| 1
| 245,163
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am writing this complaint to cfpb versus XXXX, Trans Union LLC, XXXX in hopes to gain removal from reporting any negative claim ( XXXX ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( XXXX ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized XXXX Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS!
The company indicated either fails to report fairly and to their own industry 's established mandatorily utilized XXXX Compliant standards thereby giving me legitimate concerns the negative information portrayed by the company is either ( i ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( XXXX ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity versus each any and all consumers by each any and all data reporting furnisher ( XXXX ) and or accepted by each any or all consumer credit reporting repository ( ies ) is in fact done so without deviation from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness.
My contention is the company mention either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX XXXX ) on which is plain as day stated " ANY DEVIATION FROM THESE STANDARDS ( XXXX ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemable legitimate giving me the RIGHT I've exercised to CONTEST the indicated company 's inadequately asserted but very conditional PRIVILEGE to report information provably versus me. In my contesting of their privilege to report in this circumstance related to this filed cfpb notice I as well did forward previously not successfully responded to and even here and now currently demanded answered CHALLENGE to the mentioned indicated company for them to demonstrate document proof confirming the information alleged versus me in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged versus me. As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments versus me with antipodal antithesis, imo unjustly even hence my here n now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( XXXX ).
My demands for demonstrated document proof of their adherence to reporting pertinence as is required of them fell unsatisfied even to this date thereby forcing my hand to request cfpb Authoritative intervention prior to my potentially necessary request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the indicated company 's reporting behaviors, regulated by law! Please act now to have XXXX, Trans Union LLC, XXXX remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report. I demand ( [ information inadequately reported such as account name, account number, account 's alleged primary negativity type-charge off for example-and so on necessary to highlight what precise information led to your contesting the company 's assumed privilege to report ] ) to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the indicated company in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied versus me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS.
| 3
| 3
| 565,017
|
Credit reporting, credit repair services, or other personal consumer reports
|
In 2019 I lost my previous place where I was living. In the judgement with the court the managers were awarded the property only and not an monetary amount. After going back and forth for a year with the company. They finally gave me a move out statement. The amount the company is saying i owe is incorrect. I need this fixed.
| 3
| 3
| 374,306
|
Credit reporting, credit repair services, or other personal consumer reports
|
Confirmation : XXXX XX/XX/2019 Greetings, I am asking that Equifax reinvestigate a Public Record displayed on my credit report. I have sent them numerous letters from the reporting company as they require, XXXX who the third- party vender who reported this bankruptcy Case or ID # XXXX to Equifax See : Letter Enclosed. Please verify this letter. And Removed the bankruptcy from my report. Also, the Maryland Federal Bankrupt Court do not report Bankruptcy Cases to Equifax or another credit bureau about a consumer filed. See : Letter Enclosed. This letter shows that you did not verified or validating Maryland Federal Bankrupt Court reporting this bankruptcy case to Equifax, so they lied. As Equifax has this written on my credit report. I have been working with my creditors to make a wrong a right and Equifax you need to do the same thing. Make this right by verify these reporting letters from their agency. And removed the public record bankruptcy from my credit report. Equifax has both letters of information from reporting companies but refused to remove the bankruptcy from public record on my credit file. As of today, XXXX and XXXX have removed this bankruptcy from my credit files and Equifax needs to do the same.
| 3
| 3
| 394,401
|
Checking or savings account
|
PNC will not cooperate/connect with XXXX as my other banks do
| 7
| 7
| 182,129
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX is reporting 4 accounts in collection, and unpaid. All 4 accounts have been paid in full over a year ago. all 4 accounts are listed as unpaid medical. XXXX is also reporting my credit card balance incorrectly. Please update my credit card balance correctly. I did not give authorization for the following credit checks. > 1. XXXX > 2. XXXX > 3. XXXX > 4. XXXX > 5. XXXX In addition to the above credit inquires there are lots of old hard credit inquiers showing on my account.
| 3
| 3
| 896,303
|
Bank account or service
|
I received inaccurate information from a Bank of Americarepresentative that caused me to be charged XXXX overdraftfees, totaling {$70.00}. On a previous phone call with a Bankof America Rep., they informed me that the bank would notcharge me any overdraft fees if a transaction ( i.e. payment to a merchant ) was in a processing status and I would only be charged if the transactionwent to a completed status and I did n't have enough money to cover thepayment. But, on XXXX/XXXX/2015 BOA charged me XXXX overdraft fees while thetransactions were still in a processing status. When I call to make thebank aware of the charge, the supervisor XXXX apologized for theinaccurate information I received but refused to refund the charges.
Based on the information, I received from the bank, I was acting in in good faith and thought all my merchant payments would be cover.
Therefore, I do n't believe I should be charge fees for the bank providingme with incorrect information. I have enclosed a copy of my bankstatement for your review.
In closing, I would like to thank you in advance for your assistance in this mamatter.
| 11
| 11
| 932,544
|
Credit reporting, credit repair services, or other personal consumer reports
|
I did not consent to, authorize nor benefit from any of the following inquiries.
XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX
| 3
| 3
| 78,473
|
Mortgage
|
On XXXX XXXX, XXXX, I purchased my home located at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX for {$160000.00}. The loan was evidenced by a Security Deed, '' naming XXXX as the " Lender '' and XXXX as the " grantee, '' or beneficiary, of record acting solely as nominee for same. The Loan was one of those Adjustable Rate Mortgages ( ARM ). I did n't want this kind of loan I had good credit but was told at the time that I could be put in a fixed loan at a later time. On or about XXXX XXXX, XXXX my loan account was transferred to HSBC. My monthly note kept getting higher and higher until I was having trouble making the payments. I reached out to HSBC and requested a loan modification. Their representative told me that I did not qualify for a modification unless my loan account was in default. Up until this time my loan account had never ever been behind. So HSBC had me pay a forbearance XXXX XXXX XXXX ) for months under the pretense of giving me a loan modification. I in turn, made each and every payment as agreed. Instead of the loan modification that we initially agreed upon, HSBC restructured my loan. They, however, never informed me that my loan account was being restructured. In the end, I still could not afford to meet the obligation. When I had gotten behind on my payments and finally sent the payments in, the payments were returned to me. I called and talked to various HSBC staff as to why my payments were being returned and because it was at this time I discovered that what I had been given was a restructuring of my loan and not a modification. Well nobody would help me. I did n't agree to a restructuring of my loan account but was lead to believe that what I was getting from HSBC was a loan modification. In XXXX XXXX, HSBC performed a foreclosure on my home.
| 10
| 10
| 787,145
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am inquiring about XXXX XXXX XXXX [ account number XXXX. Please provide my consumer disclosure file under FCRA Section 609 ( a ) ( 1 ) and provide me with the date of first delinquency, the FCRA compliance date and the name of the party who reported the date of first delinquency.
| 3
| 3
| 86,905
|
Mortgage
|
My Complaints are follows against : U.S. Bank, NA/XXXX XXXX XXXX 1. Per the attached scanned foreclosure letter from the Attorneys of U.S. Bank, NA/XXXX XXXX Loans, the terms of my mortgage Note/Loan originated by XXXX XXXX XXXX in XX/XX/XXXX has been changed from a fixed rate of 5.875 % to an unknown Adjustable Rate Note. This supports the fact that the loan documents and Deed of Trust have been separately casting serious doubt on XXXX 's right to foreclose.
2. This loan has changed ownership more than 3 times namely : XXXX XXXX XXXX, XXXX XXXX XXXX, U.S. Bank NA, /XXXX XXXX XXXX ; and XXXX Master Participation Trust. The question of the day is who really owns my note and who has the right to foreclose on the note? There are so many inconsistencies using XXXX XXXX XXXX that flawed the originality of the loan, casting doubt on who is the real owner.
3. Excessive late and other fees and U.S. Bank, NA/XXXX XXXX Loans practice of applying all my mortgage payments disbursed to it to these fees first. This unfairly practice leaves my principal to increase exponentially. This is " Pyramiding '' of mortgage payments. This negligent and unfair servicing and series of unapplied funds as you can see from the attached mortgage statement from month to month, my past due amount kept going up month after month.
4. Now that I am asking too many questions, XXXX refused to accept payment and blocked my ability to make payment online until I have agreed to their Adjustable Interest Only payment modification for 5 years. U.S. Bank, NA/XXXX XXXX Loans have listed in the Court House and decided to sell through auction my property to the highest bidder on XXXX XXXX, XXXX.
I need an urgent voice to stop U.S.Bank, NA/XXXX XXXX XXXX unfair business and illegal practices prevent them from illegally foreclosing on our house.
| 10
| 10
| 1,037,114
|
Debt collection
|
THIS LETTER WAS SENT TO ME ON WEDNESDAY XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FINAL NOTICE FOR FAIR ACTION ( Fair Debt Collection Act 811 ) Case File # XXXX Last Date to File Lawsuit-XX/XX/2021 Cost of the LawsuitXXXX Courthouse Address-XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX ).
Legal Charges-Section 19 ( A ), Clause 21 ( US ).
Case Format- Fair Debt Collection ( FC/SC ) Due Amount- {$500.00} Dear Debtor, This is to notify you and requires your immediate attention.
We are going to file a lawsuit in next 24 hours at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, NY XXXX ) .against your Name and SSN. After giving several notifications we did not received any response from your side. We will consider that you are ignoring this matter and you want to dispute. We are in a process to inform the Social Security Administration & major Credit Bureaus as well.
If we do not hear from you today, we will be compelled to seek legal representation in the Court House. We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the Internet. In addition we reserve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred.
Note : If we don't get any response from your side, we shall have no alternative but to take action through the local County Courthouse to recover the amount due together with court costs and legal fees including all taxes which cost approximately {$5800.00}.
Note : The Legal Charges Section 19 ( A ), Clause 21 ( US ) is against you and if you ignore this case then our legal department will take immediate action you.
If we receive the remaining payment from you thereafter we will provide you full and final receipt stating that your case file is closed permanently with remaining XXXX balance. Don't take this matters lightly otherwise once the case file is downloaded thereafter we won't be able to help you out.
If you fail to respond us the Charges will be pressed against the name are : 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception ( ACC ACT 21A ) Which carries a maximum sentence of 3 years of prison and a fine up to {$5800.00}.
YOU CAN APPLY FOR AN OUT OF COURT RESOLVE OPTION ( OOCR ) : All you do is email us back for taking care of this matter outside the court house.
PS. If you fail respond within 24 hours this Legal Action will be activated. You will be Entitle for an OOCR, By requesting an offer in compromise, but if you are failed to do that then we shall start the process of pressing those charges against you.
To resolve this issue ASAP, Kindly emails us immediately.
Thanks & Regards, XXXX XXXX XXXX.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - After I agreed to handle this matter outside of court, like any other normal person would want to do on XX/XX/XXXX, They followed up with this EMAIL on XX/XX/2021 -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PAYMENT INSTRUCTIONS- As a legal department, we are very much sensitive to our client 's security so we don't allow you to reveal your bank & card details over the phone and the Internet by any means to maintain privacy. We suggest you the best payment model for you is a Prepaid Debit card ; we avoid the chargeback and exchange of personal and confidential information.
As per the company policy, the mode of payment would be through XXXX XXXX Card because we have an agreement with XXXX XXXX that's why we are allowed to accept this card only because XXXX is associated with XXXX XXXX.
All you have to do is get a XXXX XXXX XXXX ( You need to load the funds {$450.00} ), from one of the stores mentioned below.
You can get the card at these stores nationwide : XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Once you clear this debt, we will send you a settlement completion letter stating that your account has been paid in full with XXXX balance which you can keep it for future records.
Note-Please attach you receipt and Image ( front and back ) of the XXXX XXXX XXXX along with this e-mail.
Do not buy a XXXX XXXX XXXX.
Kindly respond back for confirmation.
Thanks & Regards Debt Settlement Division Inc.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Today XX/XX/2021 after not receiving ANY TYPE OF SETTLEMENT LETTER, I decided to look them up on XXXX. Come to find out, it was ALL A SCAM!!!
| 5
| 5
| 694,983
|
Debt collection
|
On or about XXXX, I received in my home mailbox a bill addressed to me from something called XXXX XXXX XXXX XXXX XXXX.
It said their " client '' was willing to accept {$950.00} on a debt I owe of {$2300.00}.
It offered " convenient '' ways to pay various amounts via credit card or check.
I called the toll-free number on the document. The person said he could not " access ( my ) account '' unless I gave the last four digits of my Social Security number.
I refused and suggested to the young man that he seek honorable employment.
What happens when these people send bills to some of the many Americans - many of them low-income - who simply pay whatever bills they receive in the mail?.
I hope you will prosecute the people responsible for this operation to the fullest extent of the law.
| 5
| 5
| 561,916
|
Credit reporting, credit repair services, or other personal consumer reports
|
On XX/XX/2021sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to theXX/XX/XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
| 3
| 3
| 830,162
|
Credit reporting, credit repair services, or other personal consumer reports
|
My credit has been pulled fraudulently. Please remove inquiry
| 3
| 3
| 713,311
|
Credit reporting, credit repair services, or other personal consumer reports
|
A unknown suspect has been using my identity. My name and social security number without my permission. When I reviewed my credit I observed two loans ( XXXX money loans ) and three credit cards ( XXXX XXXX and two XXXX XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied for approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible.
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
| 3
| 3
| 176,950
|
Credit reporting, credit repair services, or other personal consumer reports
|
ON XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report to this over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person
| 3
| 3
| 929,577
|
Checking or savings account
|
Wells Fargo atm took my money and will not refund it. Because of this, my mortgage will now overdraw and my account will be charged extra money.
| 7
| 7
| 1,000,754
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am submitting this CFPB complaint to follow up my previous request that you remove the inaccurate personal information from my Credit File. The following Inaccurate names and addresses are not affiliated with me. I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following Inquiry inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I need you to remove the following inaccurate personal information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2021 XXXX
| 3
| 3
| 85,067
|
Mortgage
|
Payments mysteriously disappear after funds are cleared. Inaccurate accounting, misappropriation of funds. Unjustified foreclosure proceedings, the list is endless, if it has a legal definition PHH will break it. but currently I cant even find out who if anyone holds a mortgage on my property or who is my servicer. PHH is actually three companies, PHH Mortgage, XXXX XXXX and XXXX XXXX Mortgage. XXXX claimed that they transferred my loan to XXXX XXXX, but there was never any documentation filed with the county. Whenever I ATTEMPT to contact XXXX XXXX, PHH answers. They say they can not help me because they are a separate company from XXXX XXXX. Why is PHH answering XXXX XXXX phones if they are a different company? PHH has been a complete nightmare for the entire time Ive been with them since 2003, They have done everything possible to steal my house. Please do something about PHH Mortgage and its fraudulent shell companies. I dont expect you to actually help me because no one does but if you could possibly save someone else from this XXXX show the world might be a little better place.
XXXX XXXX
| 10
| 10
| 179,477
|
Credit card or prepaid card
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
| 1
| 1
| 869,397
|
Credit reporting, credit repair services, or other personal consumer reports
|
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report US DEP ED XXXX {$4000.00} US DEPT ED XXXX {$6200.00} US DEP ED XXXX {$2700.00} US DEP ED XXXX {$1000.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$230.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$1600.00} USDOE/XXXX XXXX {$52000.00} US DEP ED XXXX XXXX US DEPT ED XXXX {$3700.00}
| 3
| 3
| 398,870
|
Credit reporting, credit repair services, or other personal consumer reports
|
My family tried to purchase a new cell phone plan on XX/XX/XXXX. In XXXX, I had placed a security freeze on my account with Experian due to my personal information being compromised by a data breach when I worked at the XXXX. When I tried to purchase the new cell phone plan, I was informed that Experian would not let it go through due to the security freeze.
Since I could not reach a human, I went online to temporarily remove the security freeze. Allegedly, Experian removed the freeze and provided me with a print out that it had been removed. When I returned to XXXX to continue the process, I learned that Experian had not removed the freeze and my purchase was voided. Again, at the cell phone store, I tried to call Experian several times without success at XXXX ( the number they publish to remove a security freeze. ) I went home to call Experian ; but could NOT reach a human representative. Its recording took me around and around with absolutely no access to a human being. I tried every number linked to Experian online and none would provide access to a person. In response, I again tried to have the freeze removed online and again Experian on line informed me that it had been removed. I returned to XXXX on XX/XX/XXXX to resume the process. Again, I was informed that Experian blocked the intended purchase due to my account being frozen. XXXX attempted to get through to Experian but could not.
After multiple times to reach Experian, I tried to have my freeze temporarily removed on line. Experian reportedly did. I have another print out to prove the freeze was supposedly released. I went back to XXXX on XX/XX/XXXX and found the same result : Experian blocked the sale since it still had my account frozen.
As a result of Experian 's incompetency and the inability to talk in person with a human representative, I lost the proposed plan which included two new cell phones, {$450.00} in credits, a military service discount all totaling over {$1500.00}.
I tried multiple times to resolve this issue which could have been easily remedied if a person was available to address it. However, Experian has made it impossible to reach a human being. They are not serving the American consumer and should be held accountable for the problems and aggravations they are inflicting on consumers for something as simple as purchasing cell phones.
| 3
| 3
| 831,553
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX XXXX reporting a {$2.00} XXXX mortgage and reporting late payments.No such mortgage i received ever!! XXXX XXXX and XXXX XXXX XXXX completely destroyed/destroying my excellent credit score for past year.
XXXX XXXX and XXXX XXXX XXXX reporting fraudulently, with malicious intention to extort and harras myself and my family.
| 3
| 3
| 468,844
|
Student loan
|
Navient will call multiple times a day, literally every hour. As of XXXX today, XX/XX/2021, navient has called at XXXX, XXXX, XXXX, and XXXX. Since XX/XX/XXXX, they have called 22 times. These phone calls are excessive.
| 0
| 0
| 867,193
|
Credit reporting, credit repair services, or other personal consumer reports
|
I XXXX XXXX, sent a letter regarding inaccurate and unknown Items on my credit report on XX/XX/2020. It is 60 days later and I have not received a response yet. I feel like my disputes are being neglected and taken advantage of. Failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days and I am demanding these accounts be deleted immediately or I will file for litigation due to the stress you caused me.
| 3
| 3
| 837,793
|
Credit reporting, credit repair services, or other personal consumer reports
|
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
| 3
| 3
| 31,867
|
Credit reporting, credit repair services, or other personal consumer reports
|
There are accounts on my credit reports that aren't mine.
| 3
| 3
| 222,140
|
Debt collection
|
The original creditor was XXXX XXXX XXXX I received a letter to my address I lived at for 12 years stating I had {$600.00} bill to a address I never heard of of lived I reported it was identity thief sent all the documents proven I never lived there now its has been on my credit with a new debit collector I have spoken to new collector and all 3 credit bureaus to get removed and disputed numerous of times. And when I speak to the collector they continue to say to me they have reported to all 3 credit bureaus of the inaccuracy but it still comes back as accurate this has been going on back and forth since 2018 and it just seems its not getting resolved
| 5
| 5
| 436,469
|
Student loan
|
In XX/XX/XXXX, I changed loan servicers from XXXX to XXXX/XXXX, XXXX/XXXX funded {$160000.00} to XXXX on XX/XX/XXXX. In XX/XX/XXXX, XX/XX/XXXX-Received electronic letter from XXXX regarding PAID IN FULL ( Subsidized and unsubsidized loans ), XX/XX/XXXX-Received electronic letter from XXXX regarding PAID IN FULL ( Stafford loan ). My XXXX balance was {$0.00} and closed my account. In XX/XX/XXXX, XX/XX/XXXX-Received email of XXXX total balance due of {$1500.00} ( XXXX account reopened ). XX/XX/XXXX-Contacted XXXX representative XXXX XXXX, a previous payment for XX/XX/XXXX of {$1500.00} ( made to a previous servicer prior to XXXX, XXXX ) payment was coded as a " preconversion adjustment '' and not as a " payment '' -that 's why not it is not reflected on the payment history. And will receive a letter of that written correspondence in 7-10 business days. XX/XX/XXXX-Paid loan payoff amount {$1500.00} to officially close my account with XXXX. In XX/XX/XXXX, XX/XX/XXXX-Received electronic letter / written correspondence Our records indicate we received a payment on XX/XX/XXXX from XXXX in the amount of {$1500.00}. This was applied with an effective date of XX/XX/XXXX. XX/XX/XXXX-Received electronic letter my XXXX regarding PAID IN FULL and closed my account with XXXX once again. 7 months later. In XX/XX/XXXX, XX/XX/XXXX-Received email of XXXX total balance {$1500.00} due XX/XX/XXXX ( XXXX account reopened ). Contacted XXXX representative, was told that " XXXX overpaid {$1500.00} and the amount refunded back to XXXX on XX/XX/XXXX. I told them I was the one who made the final payment in XX/XX/XXXX, out of my own pocket. Checked my bank account, a total of {$1500.00} was refunded back to me for no reason and without my request. Transferred to XXXX XXXX, XXXX supervisor XXXX, she submitted case review to their Financial Management Team to find out why the amount was refunded into my account, will take 24-48 hours, latest response on be on Friday, XX/XX/XXXX. I did not hear back from anyone. XXXX account is reopened and theres an outstanding balance accruing interest daily with a due date in upcoming XXXX. This is unresolved and no instructions given to what to do next.
| 0
| 0
| 609,776
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have been submitting disputes on two separate accounts. The first one is Child Support, they continue to report that I'm 10 months late on payments. I have called the Child Support Office, they weren't helpful at all, I was told to go online to there interactive website. I did as they told me and it shows a payment of {$1500.00} in XXXXXXXX. I got a copy of the payment so I filed a dispute with all 3 credit bureaus and submitted the documentation. I have done this numerous times and no response. The second issue is with XXXX XXXX, in XX/XX/XXXX, a couple of months ago I was in a car accident and my insurance totaled my car. My insurance sent XXXX XXXX a check for {$10000.00}. XXXX and XXXX both updated their information at the beginning of XX/XX/XXXX. The one Credit Bureau I've been having issues with is Experian, I've filed 3 disputes along with documentation and their response is balance remains the same. I've been filing a dispute once a week, I called and they're either rude and hang up or they tell me that I need to wait for the dispute to be resolved in about 30 to 60 days. I have been without a vehicle for 2 months alone since cat dealerships and banks pull ones Credit report from Experian I can not do anything at all but wait until Experian fixes the balance for XXXX XXXX. I can not get approved for an Auto Loan because it still shows that I'm " paying '' on the vehicle even after I've sent documentation and tried speaking to someone about it letting them know that I can't get an auto loan until the balance is fixed. Its like these people who work with the credit bureaus are playing God with our life, out Credit reports. It's like they decided whether we can purchase a house, vehicle or anything that requires Credit. Also I asked Experian if I called XXXX XXXX to report it again like they have been, would that speed up the process. They rudely said no it doesn't matter what you do, you're just going to have to wait until we finish the dispute in XXXX to 60 days. I'm also working with Credit Law Lawyers to help me fix my credit. They get the same response with the same documentation I send them. They even added a collection to my credit report that 1. was 13 years old 2. I hadn't been to that hospital since XXXX 3. The account wasn't even mine. They eventually took it off my credit report, but not before my score dropped after trying so hard to build my credit. I don't understand how they are quick to report the negative issues on your credit report, within a day they do this, but anything positive it'll take them 2 months to a year to correct it.
| 3
| 3
| 328,564
|
Checking or savings account
|
I initially contacted Bank of America on XX/XX/XXXX to start a dispute regarding a charge of {$1500.00} for services that had been canceled on XX/XX/XXXX. The original charge from XXXX XXXX XXXX was made on XX/XX/XXXX as a deposit for services that would be provided on XX/XX/XXXX. As a result of the pandemic, the services were thus canceled, by myself, and the merchant then promised to provide a refund. As time went on, there was never any refund issued and I have since tried several times to contact the merchant with no response.
Upon Bank of America 's investigation into this claim they concluded on XX/XX/XXXX that I am unable to be reimbursed due to the following reason : " The disputed transactions indicated in your claim are for recurring charges that posted to your account before you canceled the service. As a result, we're unable to dispute these transactions. '' However, this is not a recurring charge at all, but rather a service that I paid for that was never provided. Furthermore, the merchant, XXXX XXXX XXXX can not provide any proof showing that in fact services were provided.
| 7
| 7
| 527,439
|
Checking or savings account
|
I have a cousin who thinks they are entitled to my XXXX accounts. XXXX XXXX XXXX has stole over XXXX XXXX XXXX from my accounts. Stolen my relocation money from XXXX and is now trying to take over all my federal accounts. I need assistance in this asap. My number is XXXX. XXXX Accounts with Wells Fargo under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
| 7
| 7
| 875,738
|
Credit card
|
Debt on card was settled and paid as agreed over a month ago on XXXX XXXX, 2015. To date Chase has not reported my correct debt status of {$0.00} to the major credit reporting agencies and have not provided verification of payment in full as agreed. They are continuing to report a balance due to all XXXX credit reporting agencies.
| 8
| 8
| 511,008
|
Credit reporting, credit repair services, or other personal consumer reports
|
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
| 3
| 3
| 1,000,598
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have been trying for over a year to get someone to help me regarding removing this inaccurate information from my credit reports. I have a Bankruptcy on my Equifax, XXXX and XXXX credit reports that was dismissed and never discharged because I never went to court for the judgement because I found a job before I had to file bankruptcy so I withdrew my request for the court to begin an active bankruptcy. I have written letters to XXXX Bankruptcy Court numerous times only for them to not answer my certified mail even after I paid for them an envelope to send me the information to be corrected. All 3 credit bureaus claim to have verified the information with XXXX Bankruotcy Court but no one has sent me proof or contract or court documents of an active bankruptcy because one simply does not exist. All copies of the letters that I sent and dates are attached for proof. Please I am begging to remove this inaccuracy from my credit report. I do not wish to file court proceedings against Equifax, XXXX, and XXXX for reporting inaccurate information that is a violation of my rights as a consumer. Please remove Bankruptcy from my credit report within 15 days according to FCRA.
| 3
| 3
| 128,290
|
Checking or savings account
|
I tried to call Wells Fargo on Saturday XX/XX/2021 to close my account. The representative who I spoke with would not close the account, and gave me a difficult time. He repeated a statement regarding a third party several times, and would not assist me with closing the account. My wife was in the background assisting me, but I did not give him permission to speak with her regarding the closure of the account. I feel like this is a delay tactic that this bank is using. They make it very difficult to close accounts.
I want this account closed immediately.
| 7
| 7
| 187,097
|
Mortgage
|
I have had issues with this company since it acquired my mortgage from XXXX. I have finally been able to find a company to refinance my mortgage with a better interest rate than I had with Rushmore Loan Management.
Through the process, I requested two payoff letters that were faxed to my loan officer within three business days after the request. The second payoff letter was requested through the date of XX/XX/XXXX. My new loan actually closed on XX/XX/XXXX. According to at least one customer service rep, a new payoff letter was requested by the title company on XX/XX/XXXX. I was told that a payoff amount {$110000.00} as of XX/XX/XXXX was faxed to my loan officer. Per my loan officer at XXXX, that fax was not received until XX/XX/XXXX. The amount of the payment to close the loan was electronically delivered on XX/XX/XXXX was {$110000.00}. That amount was taken from the payoff date through XX/XX/XXXX. I was told my loan was not paid off and closed without the {$78.00} shortage being paid ... in addition to a charge of {$19.00} per day that it was not paid in full. I have multiple email contact, phone calls, and text messages with my loan officer at XXXX XXXX as well as emails with XXXX XXXX XXXX.
I disagree that I am required to pay interest on the {$78.00} when my request for payoff was dated XX/XX/XXXX. The payoff letter states " It states that if the " funds received on or after date will be charged an additional {$19.00} per day. '' My loan closed XX/XX/XXXX and a new final amount request was made on XX/XX/XXXX in order to process the electronic payment. Rushmore did not know the loan would close earlier, so how could the interest start on XX/XX/XXXX?
| 10
| 10
| 868,408
|
Credit reporting, credit repair services, or other personal consumer reports
|
Why is this good account being removed? From my previous dispute back in XXXX I have never listed in my FTC dispute to remove an account that is good standing. This is an FCRA violation. I have never disputed XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. <<<<<<<<<<<<<<< This should be placed back onto my report or pay {$1500.00} per FCRA violation for doing wrong things to my report. Unacceptable.
-- -- -- -- -- -- -- -- -- -- -- Along with this account XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details.<<<<<<<<<<<<<<< I want the account kept in my report. I disputed this account as never late, so explain to me why this is removed off as well. FCRA violation on all that was done to my report. And all that is on my report. XXXX should really be sued for this!
| 3
| 3
| 608,655
|
Credit reporting, credit repair services, or other personal consumer reports
|
Previously I have stated that I am as a consumer has been abused by a company called XXXX XXXX XXXX. The alleged charge off account on my credit report ( XXXX XXXX/XXXX ) is ruining my reputation and cause me to stress and lose my job. I request Equifax to remove it off my credit report but all they did was sending me back a statement of this account. Equifax is not helping me removing this alleged charge off account, they are not solving my issue when the creditor is violating under the FCRA laws.
| 3
| 3
| 561,622
|
Mortgage
|
Huntington national bank was a horrible process just to get the loan an even after has been horrid me since To get an fha loan you have to have insurance well I went ahead an call Huntington an said Ill take their insurance low an behold a year later went to make a claim so I called Huntington to see who to talk to about the claim and was told XXXX well I called XXXX an was told no policy was in place so I called Huntington back and they said oh ok its XXXX heres a policy number Well XXXX said no policy was in place so once I told Huntington that they forced placed insurance that was XXXX $ more a year an XXXX on me because of their mistake so now a year after that I get a letter sayin Im gon na owe XXXX $ for more force placed insurance from before I made the claim in my eyes Huntington did not have all the requirements for the loan ( insurance ) an my loan should be terminated at their expense I want out of my loan out of the house an no percussions from their mess up
| 10
| 10
| 104,677
|
Credit reporting, credit repair services, or other personal consumer reports
|
Navy Federal is reporting to XXXX that I 'm late In XXXX and XXXX XXXX on a line of credit that was opened in XXXX XXXX XXXX by XXXX XXXX I did not know XXXX , XXXX XXXX , I never signed for a line of credit, I met XXXX XXXX XXXX XXXX and much later on became a user on his account. I have called and also disputed this online and sent a fax on XX/XX/XXXX and they refuse to remove it.
| 3
| 3
| 614,642
|
Credit reporting, credit repair services, or other personal consumer reports
|
Santander consumer usa reporting inaccurate late payments info to credit bureaus. Dates:XXXX
| 3
| 3
| 803,197
|
Credit reporting, credit repair services, or other personal consumer reports
|
Enhanced Recovery Sytems is reporting an account to XXXX and XXXX for {$190.00} this does not belong to me, I have no knowledge of what this is, and never done business with this company. This bad information is negatively impacting my credit. Stop reporting this bad information to my credit bureau 's.
| 3
| 3
| 484,937
|
Credit reporting, credit repair services, or other personal consumer reports
|
I do not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points NOT REPORTING ACCURATELY ACROSS ALL BUREAUS please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Revolving ) Accounts - negative accounts - Summary XXXX XXXX Experian Last Updated XXXX, XXXX XXXX, XXXX XXXX, XXXX Payment Status Pays account as agreed Paid or paying as agreed Current account/was delinquent 90 days past due date Worst Delinquency 90 days past due 90 days past due 90 days delinquent Balance {$2200.00} {$2200.00} {$2200.00} Credit Limit {$5100.00} {$5100.00} {$5100.00} Credit Utilization 44 % 44 % XXXX XXXX XXXX Experian Closed XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Open Date XXXX, XXXX XXXX, XXXX XXXX, XXXX Last Activity XXXX, XXXX XXXX, XXXX Terms Revolving Scheduled Payment {$110.00} {$110.00} {$110.00} High Balance {$3100.00} {$3100.00} {$3100.00} Loan Type Credit Card Charge Account Credit Card Responsibility Individual Individual Account Individual XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, ORPhone ( XXXX ) XXXX
| 3
| 3
| 72,061
|
Credit reporting, credit repair services, or other personal consumer reports
|
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 the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) theCREDIT REPORTING AGENCIES shall block any information in the file of a consumer that theconsumer identifies as information that resulted from alleged identity theft, not later than 4 businessdays after the date of receipt.
| 3
| 3
| 23,567
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have a XXXX XXXX account being advertised on my consumer report. I initiated this transaction using my " credit card '' and my privacy is being violated. I was made to believe that it was mandatory for the furnishing of this charge-off. I have come into information that leads to believe this is false and predatory. Fair Credit Reporting Act does not even define a charge-off. The financial institutions and credit reporting agencies have colluded to infringe on my rights by monopolizing my personal information. I was never 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 nor was given an explanation of how I can exercise that nondisclosure option. Subsequently, I have been charged excessive interest as a result of the lower credit rating following this.
I am citing that XXXX XXXX is in violation of Title 15 of the United States Commercial Code Chapter 94 subsection 6802 [ B ] [ C ]. I am aware of the civil penalties associated with these violations.
I have made a report with the Federal Trade Commission on XX/XX/2022 in the same manner and with the same power and authority as the Commission has under the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] engaging them to enforce compliance with such Act.
| 3
| 3
| 281,913
|
Debt collection
|
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
| 5
| 5
| 91,706
|
Credit reporting
|
Transunion should not be allowed to " Rubber Stamp '' my dispute with the company 's response. Of course, the mortgage company is going to say they are correct. I provided payment history to Transunion for the entire loan showing my payments were made and not 30 days late. This issue started with a minor dispute of my escrow account that XXXX XXXX ignored and they did not provide communication or statements. I contacted them numerous time by phone. This MINOR correction snowballed as XXXX was charging enormous and erroneous charges to my account. These were not even allowed if you read my loan contract. XXXX XXXX probably owes me $ XXXX. I went through proper channels with XXXX to no avail even though their President acknowledged their mistakes. They started foreclosure proceedings doing monthly inspections even though they received payment each and every month as well as I was in contact with them by email and telephone several times per month. They did not send anything in writing stating they were beginning these proceedings - also against the RESPA laws. Transunion has documentation from XXXX 's President saying they would reverse charges. I expressly inquired to XXXX if they had corrected my credit. They did not and should have. I have had bank mortgage personnel review my payments to XXXX and they were so messed up, confusing and convoluted the PROFESSIONALS could not reconcile my loan!!! WOW!
Transunion 's response to my dispute - " We have reviewed your complaint along with the information you previously provided regarding this issue. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information was verified Mortgage Loan Number Loan # XXXX have contacted XXXX XXXX XXXX at XXXX and spoke with XXXX XXXX. According to their records, the late payment history reflecting for XXXX XXXX - XXXX XXXX is accurately reporting for XXXX XXXX XXXX # XXXX. '' XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, OK XXXX My original dispute to Transunion " XXXX XXXX has erroneously reported my credit 30 days late for nine months beginning XXXX, XXXX through XXXX, XXXX ( sold house XXXX, XXXX ). '' I disputed this directly with XXXX XXXX numerous times over the past two years, and I also contacted Transunion to dispute this information. Transunion 's response was " XXXX, XXXX XXXX ''.
XXXX Mortgage even had their attorney send me correspondence telling me to quit contacting them or anyone else regarding my credit reporting, after I have them a bad review on Oklahoma 's XXXX site. Really? That is XXXX. XXXX XXXX, in my opinion, is a group of " Thieves ''. I have seen numerous other disputes from their customers similar to mine.
| 4
| 4
| 968,071
|
Credit reporting, credit repair services, or other personal consumer reports
|
I previously filed a complaint about an unauthorized inquiry from XXXX XXXX and Credco dated XX/XX/XXXX. Their response is as follows : " By way of background, XXXX XXXX ( XXXX ) acts as a residential mortgage broker. XXXX originates mortgages and brokers those mortgages primarily to XXXX as the Lender. XXXX was the lender for the XXXX XXXX XXXX and XXXX XXXX XXXX loan. Contractually, XXXX also handles many of XXXX other back office functions, including legal and compliance. Therefore, XXXX will be responding on behalf of all parties. Please be assured, XXXX and XXXX take all complaints seriously and appreciates the opportunity to address the consumers concerns. XXXX has previously addressed concerns received from XXXX XXXX and XXXX XXXX under CFPB Complaint ID XXXX and XXXX. As noted in XXXX prior responses, on or about XX/XX/XXXX, XXXX XXXX and XXXX XXXX attempted to obtain a prequalification through XXXX, but it was clear that their Debt to Income ( DTI ) ratio was too high and their credit scores were too low to obtain either conventional or FHA financing. Nevertheless, XXXX attempted to assist XXXX XXXX and XXXX XXXX to prequalify for a mortgage. XXXX initially reviewed XXXX XXXX credit profile on XX/XX/XXXX and XXXX XXXX credit profile on XX/XX/XXXX. XXXX reviewed XXXX XXXX credit profile again on XX/XX/XXXX. The credit pull made on XX/XX/XXXX, had no negative impact on XXXX XXXX credit score as the credit pull was within the 45-day shopping period. XXXX XXXX and XXXX XXXX contacted XXXX on XX/XX/XXXX, to advise that XXXX XXXX child support payment was reduced. At that time, a request was made for XXXX to pre-qualify them again. When the request was made, XXXX XXXX and XXXX XXXX authorized XXXX to review their credit profile, resulting in XXXX pulling a tri-merge credit report that same day. XXXX is unable to remove the credit inquires made on XX/XX/XXXX, as it considered the credit pulls valid pursuant to the authorization provided. XXXX and XXXX is committed to responsible lending and servicing and we apologize for any frustration or inconvenience this matter may have caused XXXX XXXX and XXXX XXXX. For additional questions or concerns, please contact XXXX at XXXX. '' There are multiple mistakes with this response. First off, this inquiry was obtained WITHOUT my consent. Second, I never contacted XXXX XXXX XXXX and I never authorized any credit pull. Lastly, my fianc did make contact to provide an update on the child support and an update only. At no time was any verbal authorization or any authorization for that matter given to pull a credit report. This is absolutely fraud.
| 3
| 3
| 135,094
|
Debt collection
|
Notified the company on XX/XX/XXXXthat some one had changed info in my account with out my permission and it was later notified to me it was management at the store.
XXXXXX/XX/XXXX made contact and also onXX/XX/XXXX made contact thru XXXX chat with chat id # XXXX rep XXXX XXXX I had also made a complaint with the BBB and XXXX corp office contacted me and I 'm still seeing thid on my credit
| 5
| 5
| 802,552
|
Mortgage
|
Unlawful debt collection : Trustee sale is void Plaintiff : XXXX XXXX doing business as XXXX XXXX XXXX, AN UNMARRIED MAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX FUND TWO, LP XXXX XXXX XXXX personally XXXX XXXX XXXX XXXX XXXX XXXX XXXX personally XXXX XXXX XXXX personally XXXX XXXX XXXX NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX BANK, NA XX/XX/XXXX Prestige Default Services recorded an unlawful Substitution of Trustee in the XXXX XXXX County Recorder intstrument # XXXX for an unlawful debt that was past the statute of limitations in California XXXX 5 years ) as of XX/XX/XXXX. The last payment became overdue on XX/XX/XXXX. The first Notice of Default accelerated the funds which all became due recorded on XX/XX/XXXX.
XX/XX/XXXX Prestige Default Services on the same day recorded an unlawful Notice of Default instrument # XXXX Disregarded the 30 day period and disregarded the strict policy whereby this 3 'd party debt collector must attempt to contact homeowner.
XX/XX/XXXX Prestige Default Services records Notice of Trustee Sale instrument # XXXX XX/XX/XXXX Defendant receives Affidavit of Fraud and Notice of Rescission of Signature, with Revocation of Deed of Trust and Revocation of Powers of Attorney XX/XX/XXXX Prestige Default Services sells Plaintiff 's property to XXXX XXXX XXXX XXXX TWO, LP where XXXX XXXX participated in an unlawful auction that took place after 5:00 pm, wherein the signature had been rescinded from the deed of trust so it was void. You can not give somebody something you do not have.
On the date when the transaction took place, PRESTIGE DEFAULT SERVICES, LLC was NOT REGISTERED TO DO BUSINESS IN THE STATE OF CALIFORNIA XXXX XXXX had the ability to know, so therefore he did know that the signature had been rescinded so he is complicit in an act of fraud and conversion and XXXX XX/XX/XXXX XXXX XXXX records a void Trustee 's Deed instrument # XXXX XX/XX/XXXX XXXX XXXX files Unlawful Detainer XXXX XXXX Superior court Case # XXXX and XXXX Plaintiff sent verified written communications more than six occasions with proof of service asking defendants for 1 ) a copy of the book-entries so the Plaintiff could make sure that the one who funded the loan is the one who gets paid back, and 2 ) proof that the so-called beneficiary was in possession of the original note and received no response.
Defendants received the Affidavit of Fraud and did not rebut it at all, whatsoever.
They also received a Notice of Default with Opportunity to Cure with no regard.
The sale is void because a ) the signature was rescinded as no TILA was given, b ) an unlawful auction took place after business hours, and c ) no consideration was given to fund the so-called loan in the first place. Deed of Trust is void. Plaintiff does not believe that any evidence to the contrary exists.
In California, these predators make millions of dollars because of the non-judicial " scheme '' which means there is no tolerance for those who use an unlawful process.
| 10
| 10
| 386,491
|
Debt collection
|
I paid a settlement amount and received a satisfaction letter, but have not received satisfaction of judgment. They have been promising to send it since XX/XX/2018. I have turned in notice that I am moving to my apartment complex on their word that they will send it. Now, I run the risk of being homeless.
| 5
| 5
| 296,811
|
Credit reporting, credit repair services, or other personal consumer reports
|
AFTER SEVERAL ATTEMPTS AT TRYING TO GET THE XXXX XXXX NEGATIVE ACCOUNT FROM MY CREDIT REPORTS, NOTHING HAS BEEN DONE. PLEASE INFORM ME AS TO WHY THIS ACCOUNT STILL REMAINS NEGATIVE ON MY CREDIT REPORTS. THIS ACCOUNT IS FROM XXXX OF XXXX, AND FIRST ATTEMPT AT DISPUTING THIS NEGATIVE ACCOUNT WAS BACK IN XXXX OF XXXX. IT'S BEEN WAY TOO LONG SINCE THIS ACCOUNT CLOSED AND I NEED A GOOD, SELECTIVE RESPONSE AS TO WHY THIS IS STILL REPORTING NEGATIVELY. NEITHER EQUIFAX, XXXX OR XXXX HAVE DONE ANYTHING ABOUT THIS MATTER. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY, THIS IS REALLY HURTING ALL THE GOALS I AM STRIVING FOR.
| 3
| 3
| 966,199
|
Credit card or prepaid card
|
I have legitimately have already paid off XXXX of my credit cards at Jp morgan Chase bank, and kept paying to build credit. XXXX of them is {$4500.00} in debt, as I discovered through my main bank XXXX Chase XXXX bank on XXXX and XXXX XXXX, XXXX XXXX, California, the limit is {$1500.00}. someone has been spending beyond my limit and on top of that my XXXX XXXX is still poor. I opened a case withc chase bank itself, they refuse to call me back, i opened a claim online, the website is shut down, and other links to free claims are now diminished. I more than suspect it is a " XXXX XXXX " whom I reported for Human Trafficking. he has a minor with my same exact name, making my claims and statements against me behind my back as if I am the fraud, claiming he is " confused '' and it is safer to just assume she is the plaintiff. I have been misdiagnosed as a XXXX and have been recieving XXXX for XXXX, when originally it is XXXX, XXXX XXXX XXXX that XXXX victims and war soldiers have, considering XXXX can result in forms of XXXX, this is the case here. XXXX XXXX.
| 1
| 1
| 112,357
|
Credit reporting, credit repair services, or other personal consumer reports
|
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. XXXX.
XXXX XXXX : # XXXX, XXXX, XXXX : # XXXX, XXXX XXXX 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.
XXXX XXXX. XXXX XXXX : ( a ) Accuracy and fairness of credit reporting ( 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.
XXXX XXXX. XXXX ( a ) : Any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
XXXX XXXX. XXXX ( a ) : No consumer reporting agency XXXX make any consumer report containing any of the following items of information : ( XXXX ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years ( XXXX ) any other adverse item of information, other than records of convictions of crimes which antedate the report by more than XXXX years.
XXXX XXXX. XXXX ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) 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.
| 3
| 3
| 423,663
|
Credit reporting, credit repair services, or other personal consumer reports
|
this account appear in my credit report it does n't belong to me, I have not idea why Equifax refuse to fix it this issues, please this company in out control. we need somebody up there to do something.
account # XXXX XXXX XXXX # XXXX account # XXXX XXXX XXXX XXXX # XXXX account # XXXX XXXX # XXXX account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX XXXX # XXXX Account # XXXX # XXXX
| 3
| 3
| 664,493
|
Mortgage
|
I was 2 months behind on my mortgage payment, last month on XX/XX/2019 I Paid up to date including late fees. ( through the bank website ), This month I tried to make this month payment Come to find out that I was hit with almost {$100.00} in late fees, I call the bank, they kept telling me the website wasnt accurate.
Got treated badly Ditech finances do not care about customers or their situation, all they know is $ $ XXXX was mean and had her mind set on not giving me resolve the issue.
| 10
| 10
| 546,688
|
Credit reporting
|
XX/XX/XXXX, I tried to upgrade my XXXX XXXX XXXX on line to a XXXX which offered more rewards. I was surprised when I was declined since I have had my current XXXX XXXX card since XXXX and have always paid the balance in full and on time. In fact, in XXXX, XXXX, my credit line was raised to {$9400.00}. A call to XXXX revealed that Experian was reporting that I had no credit score. Experian was also reporting no record of my ever having my XXXX despite the fact that is ( and has been for the past 12 years ) in my possession and used on a regular basis.
The saga continued when I thought that if I had more than one credit card I could actually get a credit score. I went to my Credit Union ( XXXX XXXX XXXX XXXX - XXXX ) on XXXX XXXX, XXXX, and applied for a XXXX Card. The representative I was working with was a bit puzzled when she pulled my credit report and found that I had no credit score or record of my having a XXXX despite the fact that she was holding the card in her hand. She spent the next 20 - 30 minutes trying to contact someone at Experian to see if she could help. After listening to numerous advertisements attempting to sell questionable " products '' offered by Experian and others we were finally connected to a person named XXXX. XXXX sounded totally disinterested and said we would have to contact XXXX. I explained that I had already had numerous conversations with XXXX and was in possession of XXXX ( XXXX ) letters from XXXX dated XXXX XXXX, XXXX, when they raised my limit to {$9400.00} and a second dated XXXX XXXX, XXXX, stating that they were reporting to all three reporting agencies including Experian. Not offering to help or institute any sort of investigation, XXXX repeated, " Call XXXX. '' The XXXX representative then explained that it had been very difficult and time consuming to reach a person at Experian and ask XXXX for a number where we could talk to a person and not have to listen to advertisements for XXXX - XXXX minutes. XXXX gave us the number XXXX which she said would be answered by a human.
Returning home from XXXX I decided to call the number XXXX had provided because I also noticed an erroneous address listed of my Experian report and wanted to at least get that corrected. I dialed the number and was greeted by cheerful voice saying ...
" Congratulations! You 've won a free cruise! '' This was followed by a lengthy discussion about the cruise. Finally the voice said, " Push 1 now to be connected to an operator who will book your cruise or push # to skip ''. I pushed #. Another excited voice ....
" Congratulations! You 're eligible for a free home security system! '' Again this was followed by a lengthy discussion about the security system and why I needed it. Again, " Push 1 now to claim your security system or push # to skip. '' I again pushed #.
This continued over and over. I lost count of the number of " offers '' but it had to be at least a dozen or more. Nothing ... nothing had to do with Experian or my credit report. After a lot of wasted time on this worthless call a recorded voice told me that the number I had called had been changed. I was given a new telephone number to call. XXXX. You guessed it - another series of worthless, obvious scam, " offers. '' Experian makes it impossible for people to correct errors on the " reports '' they provide to potential lenders. They turn such attempts into sales opportunities for not only questionable products they offer but apparently also sell opportunities to completely unrelated companies as well.
This goes further than being irresponsible. This affects people 's finances. I have discovered that I have been paying more than I should for my home, auto, and umbrella insurance policies because of my lack of a credit score. I am willing to testify to anyone who can help me.
| 4
| 4
| 500,280
|
Student loan
|
To CFPD, This is the first of a series of complaints involving XXXX XXXX - A.K.A. XXXX. I had previously contacted the CFPD on XXXX XXXX, XXXX and stated that I would submit a complaint at that time. However, it has taken me years to painstakingly go through my records and notes to make sense of what has actually happened to me. Now, I had called many organizations for help, and one such organization that helps with credit told me that he couldnt help me regarding XXXX XXXX. He stated that XXXX XXXX has a force field around them and that the government protects them, including this very organization. If this is true, then I respectfully request that the CFPD make an exception with me and practice actual, true, due diligence in handling my complaints.
Complaint 1 : University Solicitation In XXXX, before classes had started, I had several conversations with XXXX financial representatives at the Finance Tower. While going through financial aid options, I was given a handout with a listing of private student loan servicers, see XXXX Alternate List PDF attached. The XXXX financial representative understood I didnt have much time and recommended that I either try XXXX XXXX or XXXX XXXX as they were the fastest and both could do everything over the phone. I accepted this recommendation and called XXXX XXXX first. I was denied and then proceeded to call XXXX XXXX.
Between the years XXXX and XXXX, I was solicited by a XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, during a business event held at XXXX XXXX main campus, see Business Card PDF. Speaking with the representative made me feel safe with my decision to borrow money through XXXX XXXX I thought that if my college had invited him to speak with students, that perhaps it was OK to borrow money through XXXX XXXX. I subsequently continued to apply for student loans with XXXX XXXX. I did notice something strange. I noticed that he was hanging around all by himself for a while, not really talking to anyone. Before I left, I witnessed him speaking to an XXXX XXXX female student. While walking back to my dorm, I realized that perhaps, XXXX XXXX was targeting people of XXXX to borrow money for school because stereotypicaly, people of XXXX are known to not have money to pay for school. I am a person of XXXX and was familiar with racism on campus as I clearly remember a group of tall men surrounding me in front of the SUB building, asking me Are you here to take our jobs? Are you here to take our jobs? I remained silent, and was fearful of what they would do to me should I look at them in the eye, move, or say anything back. I will not be silent today.
I would like to know, does XXXX University receive commissions from XXXX XXXX to promote their company by means of University employee recommendations or on-campus visits of XXXX XXXX sales representatives?
I would like to know, does Navient XXXX. Sallie Mae, have internal practices that specifically target people because of the XXXX of their skin or XXXX heritage? If so, I believe this is wrong and should stop.
My complaint is that I was solicited on XXXX XXXX campus to borrow money with XXXX XXXX. And these said recommendations resulted in financial damages.
| 0
| 0
| 687,811
|
Debt collection
|
On XXXX I received a debt collection letter from XXXX XXXX XXXX , XXXX ( XXXX. XXXX XXXX, XXXX, IL XXXX, Tel : XXXX ext. XXXX ) demanding a balance due of {$640.00} with Original Creditor name as Speedy Cash ( Original Creditor Account Number XXXX ). The current creditor to whom the debt is owed is XXXX XXXX XXXX, XXXX. I have never ever dealt with Speedy Cash ( a PayDay franchise ). Someone used my identity to borrow this amount from Speedy Cash sometime in late XXXX. Upon getting a copy of my credit report from XXXX, I noticed that there was a second loan of {$1200.00} in my name also from Speedy Cash, but I have not yet received a collection letter about this amount. I immediately filed an identity theft case with the the City of XXXX XXXX XXXX, Texas with case number XXXX. I also filed my identity theft case with Federal Trade Commission ( # XXXX ) on XX/XX/XXXX. Since my home insurance with XXXX provided coverage for identity theft, I filed a claim with them also. XXXX appointed XXXX to assist me with putting an alert with each credit bureau and assist me with resolving this identity theft fraud. I have not responded to XXXX XXXX XXXX directly, but I know the XXXX has and was advised to take it up with Speedy Cash. I do not wish to contact them and do not know the contact of this retail shop. I request you to please help me with investigating my identity theft which originated with Speedy Cash. I believe Speedy Cash is complicit in many other such fraudulent loans.
| 5
| 5
| 335,434
|
Mortgage
|
I AM APPEALING THE LOAN MODIFICATION THAT WAS OFFERED ME BY SPECIALIZED LOAN SERVICING based on my income.
My business, XXXX is mainly a cash business as I purchase goods here in the US and sell in my native country, XXXX. My son who signed for the mortgage with me has quit claimed himself off the property as he has moved out and started his own family. It is now left up to me to pay the mortgage.
Specialized Loan Servicing did not even lower the exorbitant interest rate of 8.250 and with only 151 months left on the mortgage, there must be some way that they could make this mortgage more affordable. Either by extending the terms or lowering the interest rate. I want to keep my home but I will not be able to unless the private investor who owns my loan has some mercy and decides to work with me.
I would like to be considered for a HAMP. I have never had one and I understand that Specialized Loan Servicing receives money from the government to extend this type of modification to it 's customers.
| 10
| 10
| 271,558
|
Credit card or prepaid card
|
on XXXX/XXXX/XXXX i made a transaction with XXXX of XXXX for XXXX dollars. i will describe myself as ( a ) and XXXX as ( b ). When the charge reflects on my on my account subject ( c ) which I never knew charged XXXX when I contacted ( b ) about the charge they stated that they only receipt XXXX and the difference was the banks charge. when I contacted the bank the first time they stated that there was a foreign transaction fee and also a conversion fee. when I contacted them again and told them that yes there is a foreign fee but that this transaction was not subject to a conversion fee now they state that ( c ) did not charge XXXX but XXXX. That is the complaint, that I am being overcharged by ( c ) when ( a ) and ( b ) agreed on price of XXXX dollars. ( b ) sells the product and ( c ) produces and delivers the product.On previous occasions I have made purchases from XXXX and never had a problem with them.
| 1
| 1
| 705,997
|
Credit reporting
|
I moved out of house and more then a year later sent XXXX sent bill closing for {$110.00}. In fact, the new owner should 've been billed but nevertheless it 's a small amount. Unfortunately it was too late to be forwarded and I never received it. When I checked credit report it showed. I contacted customer service and paid invoice and still on credit report.
| 4
| 4
| 919,698
|
Credit reporting, credit repair services, or other personal consumer reports
|
I recently discovered my credit score had been affected as a charge card debt had been increased. As I have only a single credit card tie as alarming. I s som research to find the card was issued by The XXXX XXXX, of which I have no knowledge. I immediately reached out to the store only to confirm that neither my name, address, prior address or SSN had any association with this account. They then directed me to their fraud department to open an investigation. In the meantime I disputed with all 3 credit reporting agencies. I received my first response from Experian that as the card issuer confirms the information to be correct, it will remain. This is insane. Whos card is this and how does this just happen? Im supposedly an Authorized User for whom?? I have not advised or approved this for anyone and to be penalized for this fraud is an outrage. I in turn have redisputed this bogus fraud. I am in the process of purchasing another home and will not have this negatively affect my forthcoming interest rate. As I plan to close within the next 60 days, your prompt attention and response is greatly appreciated.
Many Thanks, XXXX XXXX XXXX ( XXXX ) XXXX
| 3
| 3
| 894,733
|
Mortgage
|
XXXX XXXX from Prime Lending in XXXX is deceiving and should get fired and not get a job where anybody has to depend on him. He is/was the lender for the buyer of our home. According to the contract, we were scheduled to close 45 days out ... plenty of time for my lender to get everything done, but not for XXXX XXXX. Here it is 19 days after the initial XXXX and are sitting outside of our new home with XXXX trucks unable to get moved in because XXXX can not get his act together. He blames everyone else for the problems and will not take responsibility for doing such an awful job and botching this whole process over and over again! When he sent the closing documents to the closing attorney, the numbers did not match and information was incorrect. I mean, seriously!! You use a computer to type the info in and still can not get it right?!? What makes things even worse is that the auditors who review the loan at Prime Lending did not catch any of the mistakes and approved it! I guess no XXXX there is competent! We have had to pay for an extra day of rental for the trucks and had to stay at a friends house last night. I have bought a house before and this is the worst experience I have ever had. My realtors even said that this is a horror story for the books! Buyers, if you are serious about a home purchase, do not use XXXX XXXX or prime lending because you will never get in your house. Sellers, if you see that the purchaser is using Prime Lending for their mortgage, tell them to use another company or do not accept the contract. This whole process of selling our home has been a nightmare. XXXX XXXX and Prime Lending need to realize that their actions have consequences. This has affected my spouse, our realtors, the purchaser of our old home, the seller our new home, my wallet ( because of unnecessary expenses ), my job, and me.
| 10
| 10
| 360,648
|
Credit reporting, credit repair services, or other personal consumer reports
|
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}.
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- OPEN ACCOUNT -- XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
| 3
| 3
| 498,452
|
Credit reporting, credit repair services, or other personal consumer reports
|
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
| 3
| 3
| 924,278
|
Credit reporting, credit repair services, or other personal consumer reports
|
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
| 3
| 3
| 131,257
|
Credit reporting, credit repair services, or other personal consumer reports
|
I have disputing the XXXX XXXX report with Trans Union for months and they keep reporting that this is still an open account when infact its a closed account and was suppose to be resolved by making a good faith payment to XXXX XXXX XXXX. This inaccurate information is causing me financial harm and giving me no further option than to hire an attorney and file suit against both Transunion and XXXX XXXX.
I have attached a screenshot from their website showing there is a {$0.00} balance and its closed.
Why is Transunion still posting inaccurate information?
| 3
| 3
| 865,944
|
Credit card or prepaid card
|
I want a check for the rewards balance earned.
First I wanted it applied to the balance owed.
This was not done.
I then asked for a check.
Their reply is jibberish about travel miles application.
I'm not going anywhere so I requested A check again.
Their web site is non navigable.
| 1
| 1
| 198,505
|
Credit reporting, credit repair services, or other personal consumer reports
|
I am trying to access my Credit report on Equifax. Their website fails repeatedly and does not provide any reason why they can not process my request.
I am able to get the credit reports from XXXX and XXXX. However equifax website fails as if it was designed to make customers unable to access their information.
| 3
| 3
| 788,947
|
Mortgage
|
Ocwen, during the mortgage modification process ocwen has repeatedly asked for the same details over and over again. It appears they have no ability to secure and understand all the documents I have submitted several times. Each time they call me with the same question they then reschedule a follow up call several weeks later. The matter at hand is dire and the incompetence of Ocwen is preventing the modification process from moving forward at a reasonable pace to allow me an opportunity to save this property that is my home. I feel they are intentionally slow walking this so I am forced into foreclosure because no one can be this incompetent to as XXXX time the same exact question thus my only conclusion is they are dealing with me in a fraudulent manner.
| 10
| 10
| 950,091
|
Credit reporting, credit repair services, or other personal consumer reports
|
XXXX XXXX in XXXX SC turned me into collections after I paid the bill have approx XXXX infractions of collections on credit report after bill paid in full, history of paying since day one over contractual amount hospital wanted ( XXXX a month but paid above and over this amount ) continue to be on credit until XXXX this year
| 3
| 3
| 894,324
|
Credit reporting, credit repair services, or other personal consumer reports
|
In XXXX of XXXX, I filed a dispute with this credit bureau about UNVERIFIED COLLECTION ACCOUNT on my credit report : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months and this account still shows under investigation. Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-day mark has come and gone without any response from their office.
. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company as of today. Thank you
| 3
| 3
| 279,542
|
Credit card or prepaid card
|
Hi This is XXXX XXXX. JP Morgan Chase Bank always discriminate me getting Amazon Prime Visa Credit Card, recently I have noticed that I have received a call from collection company regarding my sister 's old account of XXXX ( XXXX XXXX ) which was managed by Chase Bank, and they were threatening me that I want to speak XXXX XXXX ( my sister ) about important business matter about settlement of old credit card, and court documents will be sending etc etc., I said, how did you get my number, I am not related to this account, they were keep harassing, this is second time they have called me and I am not related to this account at all. JP Morgan Chase keep banned my house address, credit card offers, and other limits. I have wonderful auto loan payments of two years, wonderful payment history on other cards, never missed any payments, but CHASE is the only company, never send any offers nor they approve any credit cards because of my sister very old account, I know this account has been removed from credit history of sister 's credit profile, but still whole family were banned getting CHASE offers, collection department calling me, my another sister got call for this account and threatening court documents, this is unfair. they have kept secret system blocking my credit history and any offers. I have noticed it since XXXX and after second threatening call from collection, I have analyzed that CHASE discriminating me. I will leave their checking account and Chase Freedom card..I request from CFPB to inquire about this matter and get evidences from CHASE BANK, they can not restrict me based on same address. I am not legally responsible to pay XXXX XXXX old credit card of my sister.
| 1
| 1
| 226,371
|
Credit reporting, credit repair services, or other personal consumer reports
|
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$980.00} XXXXXXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$200.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX {$0.00}
| 3
| 3
| 186,377
|
Debt collection
|
I am getting many phone calls attempting to collect a debt asking for a person that has a different name than mine. It is only the same first name. They tell me they will stop calling me and they continue to call. Now I am got a letter in the mail. The letter has a contact phone number and they do not answer the phone it goes to a voicemail. They are not returning my calls. I am not this person they accuse me of being!
| 5
| 5
| 561,911
|
Credit reporting, credit repair services, or other personal consumer reports
|
On XX/XX/2022 I submitted to Equifax an application I received from their website to place credit freezes on my XXXX XXXX childrens ' accounts. The application and an FAQ on Equifax 's website directed me to submit the form via mail and to include supporting documents with the application, which included copies of birth certificates and social security cards for myself and each of my XXXX children, which I did include. I sent this information via certified mail on XX/XX/XXXX and per the USPS it was received by Equifax on XX/XX/XXXX.
On XX/XX/XXXX, I received letters ( one for each child ) from Equifax telling me that they were unable to process my requests to place the freezes. The letter does not say why they were unable to process the request. The letter asks that I submit additional information. I had in my original application supplied the required documentation. Both the application and the FAQ from Equifax website clearly state that the information I originally provided was sufficient ( birth certificate and social security cards ).
I attempted to resolve the issue by calling the Equifax phone number provided in the letter. My first call was not resolved because the agent I initially spoke to was transferring me to a supervisor, who did not pick up the line. I was on that call for 30 minutes. My second call also was not resolved when the initial agent was to transfer me to a supervisor and also call was not picked up. That was a 20 minute call. The third call I made the initial agent refused to transfer me to a supervisor. Another 20 minute call with no resolution. In all cases the agent only referred me to the letter I received in the mail and instructed me to submit more information. In all cases the three agents had heavy foreign accents and did not seem to comprehend the issue or questions I was asking, why I asked for a supervisor each time.
Is Equifax intentionally misleading in their information on their website, by not providing clearer instructions? Why is this process so difficult when it is so important to protect my childrens identity? Is Equifax more incented if there is future fraud on my childrens accounts versus protecting them now? Should I be comfortable providing personally identifying information to overseas customer service agents?
| 3
| 3
| 86,665
|
Credit reporting, credit repair services, or other personal consumer reports
|
Harvard Collections is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit and noticed this debt reporting. This debt is so old, it should not be reporting. In fact, it is past the credit reporting limit under the FCRA guidelines. This needs to be removed.
| 3
| 3
| 820,840
|
Debt collection
|
Received an email today stating that the company may send back to original creditor and they may take legal actions. Copied email to follow.
At this time, no attorney has personally reviewed the particular circumstances of your account. However, if you fail to contact us about this account it will be returned to our client who then may forward it to a local attorney for the purposes of filing suit. We'd like to avoid this, and find a way to work together. Learn More.
XXXX, please set up a payment arrangement.
XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) would like to prevent legal review on your past due account, so they gave us the opportunity to assist you in reaching a resolution.
While your account is still with us, we'd like to work with you to resolve your past due balance. Otherwise, XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX, XXXX. account ) may review your account for placement with an attorney for legal review as their next step.
You can prevent this by setting up a payment arrangement.
Pay Your Balance This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
Please read below for important disclosures.
Copyright 2020 TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your TrueAccord account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with XXXX XXXX XXXX, XXXX, account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/resurgent_glb XXXX XXXX XXXX account number ending in : XXXX.
| 5
| 5
| 60,506
|
Mortgage
|
PNC bank receive my mortgage loan as a transferred from XXXX Mortgage. However, they were not able to provide me account information, paid off amount after the transfer. Our house was sold and waiting to close without these information we unable to close and stop the escrow. We unable to request our escrow money as well since nothing about our loan exist in both XXXX Mortgage and PNC bank system. PNC 's customer service push us off stating they have no information about our loan and unable to locate it. XXXX would not talk to us either because our account is closed on their side.
| 10
| 10
| 1,024,640
|
Checking or savings account
|
On the Morning of XX/XX/XXXX I woke p to a text via Chase Bank stating my checking account had been overdrawn over {$3400.00}. I immediately contacted the claims department before XXXX on XX/XX/XXXX to notify them that all these charges were fraudulent that were pending. I also filed a police report with the local police, contacted all 3 credit bureaus to file fraud and social security to file fraud and stolen identity. These charges started out with a {$2.00} amount increasing to $ XXXX- {$800.00} transactions which is not more normal spending habits. The charges occurred starting from an online wiring company to transaction in XXXX and XXXX for hotels. The claims department told me to rest assure they would get my money back. Someone also posed as me and contacted Chase to up my limit to use my account to make these transactions. Over one week going by of me having to contact claims, escalation team, executive office and several local branches I finally got in Chases words a temporary refund. Their executive team told me my case was resolved all funds were refunded and they were closing the case. 3 months go by and on XX/XX/XXXXI wake up to the funds be reversed by Chase Bank. I immediately contacted them and they said they notified my via mail of this reversal which I never received because if I had I would have contacted them right away. Now I have been pushed around and blown off the past month in a half with all my money taken again and my account left in the negative which has trashed my credit, caused my bills to be late, late fees ... literally destroying my life because of Chase Bank not protecting my hard earned money I entrusted them with. I am filing this complaint on behalf to get my money back that chase owes me. They have threatened to also close the account and turn over as a charge off to my credit and send me to collections for something I did not do. I will not stop going after Chase until I receive my money back. I trusted my money with Chase and they did not do there job securing my money.
| 7
| 7
| 823,517
|
Consumer Loan
|
I leased a vehicle from XXXX XXXX and now would like to purchase the vehicle. My lease contract states N/A for a purchase option fee at the end of the lease. Now they are trying to charge me a {$590.00} processing fee that was not disclosed or agreed to at the time of the initial lease. I would appreciate any help you can give.
| 13
| 13
| 1,007,126
|
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