| CRCO | 1 | 100.0% | Credit reporting, credit repair services, or other personal consumer reports |
| CRE Credit Services | 12 | 8.3% | Credit reporting or other personal consumer reports |
| create | 1 | 0.0% | the Seller will not sell |
| create a misleading financial profile | 1 | 0.0% | any inquiry must be initiated with explicit consumer authorization or for a permissible purpose |
| create a risk of duplicative or inconsistent negative reporting. | 2 | 0.0% | despite being paid and closed |
| create an account for me in order to enable PayPal to approve an unauthorized XXXX charge. To add insult to injury | 1 | 0.0% | but again |
| create false associations with fraudulent activity | 1 | 0.0% | CA XXXX ADDRESS This address is completely inaccurate and has never been associated with me in any way. I have never resided |
| created - along with increased property taxes in XXXX | 1 | 0.0% | I noticed that two ( 2 ) PMI payments totaling {$400.00} were deducted from my escrow account in XX/XX/XXXX- the month they took over servicing. A call with a representative informed me that this was because XXXX didn't take it out the month before- a call to XXXX and some statements provided ( I couldn't log in to my account with XXXX anymore at this point ) proved otherwise. I called Roundpoint back and was told to send proof to an email address ( the only one I could find and it took an incredible amount of searching to find any contact like this ). This request was also ignored and dismissed when a follow-up call was placed. I finally gathered the documents |
| created an account | 2 | 0.0% | no late payments |
| created artificial delinquency risk | 1 | 0.0% | confirmed insurance premiums |
| created bogus fees | 1 | 0.0% | you will see that they unlawfully listed my home for sale in XXXX |
| created by legislature in1982 | 1 | 0.0% | this scam |
| created by the parties or resulting by operation of law. The existence of fraud is not required to confer jurisdiction on an equity court when the circumstances are such as to require its intervention. It has been declared that it is ordinarily on the trust.,,GOLDMAN SACHS BANK USA,MD,20743,,Consent provided,Web,2025-11-04,Closed with explanation,Yes,N/A,16877517 | 1 | 0.0% | enforcement |
| created by XXXX | 1 | 0.0% | instead of replying back what promised within deadlines |
| created financial obstacles | 1 | 0.0% | false late payments |
| created new date and amount information | 1 | 0.0% | disputed |
| created PINs to activate unauthorized debit cards | 1 | 0.0% | the bank fraud began |
| created the financial fraud which continues to compound damages. | 3 | 0.0% | we closed the mortgage deal in XXXX |
| created under the GLBA to drive implementation of GLBA requirements. The GLBA is enforced by the FTC | 1 | 0.0% | financial institutions must communicate to their customers how they share the customers sensitive data |
| creates an unfair burden on me that the law was specifically designed to prevent. Under 611 ( a ) ( 1 ) ( A ) | 1 | 0.0% | the errors across these accounts tell a clear story : my credit file is filled with duplications |
| creates identity confusion | 1 | 0.0% | GA XXXX Wrong Address This address is completely inaccurate and never belonged to me. By reporting this as part of my file |
| creates unnecessary risk | 1 | 0.0% | XXXX XXXX XX/XX/XXXX This inquiry is inaccurate and unauthorized |
| creating a $ XXXX shortage for the year | 1 | 0.0% | BSI mistakenly emptied many customers escrow accounts |
| creating a binding agreement. | 1 | 0.0% | and I personally signed it in my authorized position |
| creating a cascade of negative consequences on my financial life. Immediate removal or correction is imperative to ensure that my credit report reflects only accurate personal information. | 1 | 0.0% | yet it appears on my credit report. Because of this error |
| creating a conflict of interest. | 1 | 0.0% | a Notice of Pending Suit was filed by XXXX XXXX XXXX XXXX XXXX |
| creating a false impression of delinquency and harming my creditworthiness. | 2 | 0.0% | I identified a series of billing errors and reporting violations associated with the account XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXXXXXX XXXX XXXX ( reported across all XXXX bureaus ) XXXX XXXX This account is paid |
| creating a false status of an overdrafted account to justify closing the savings account- after i brought the issues of possible fraud on my accounts by calling the corporate office ; 6 ) The terms of the credit card and interest rates were changed without consent or acknowledgement.The billing methods and a division of balances are against federal regulations and were done without | 1 | 0.0% | i was provided with statements showing financial transactions that yielded the following : 1 ) The credit card statements from XXXX to XXXX did not support or validate the claim and amount of debt as stated ; 2 ) Payments made to the credit cards balances were misapplied and did not effectively reduce the outstanding debt balance as stated ; 3 ) The savings account statements from XXXX to XXXX |
| creating a frustrating cycle of miscommunication. Your consumer team further instructed me to submit a physical letter including my drivers license | 1 | 0.0% | XXXX XXXX XXXX has contacted your business team at least five times to request the reinsertion of this account |
| creating a material accounting and reporting contradiction. | 1 | 0.0% | Credit Control |
| creating a material inaccuracy that misrepresents the true condition of the account. | 1 | 0.0% | BALANCE : {$7600.00} |
| creating a misleading view of my creditworthiness. | 3 | 0.0% | incorrect dates |
| creating a new account and hard inquiry on my credit profile | 1 | 0.0% | Capital One restricted the card for fraud review. I fully complied with multiple requests for identity verification |
| creating a new charge for the next billing cycle even if I hadnt made no other purchases to produce a new bill,,GOLDMAN SACHS BANK USA,OH,44122,,Consent provided,Web,2021-03-23,Closed with explanation,Yes,N/A,4240531 | 1 | 0.0% | customers wont pay interest on the specific item purchased on their card under the monthly installment plan. However |
| creating a sense of helplessness against errors I did not cause. | 1 | 0.0% | higher interest rates |
| creating a substantial moral hazard and injured me by causing an interference with my ability to engage in commerce.,,EQUIFAX | 1 | 0.0% | giving me reason to believe and do believe it would be impossible for ANY CRA to obtain verification of ANY Bankruptcy accounts reported on my credit report through physical verification of the original signed consumer contract and/or judgment. I have a constitutional right to be left alone |
| creating a substantial moral hazard and injured me by causing an interference with my ability to engage in commerce.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,33496,,Consent provided,Web,2025-01-10,Closed with explanation,Yes,N/A,11464634 | 1 | 0.0% | giving me reason to believe and do believe it would be impossible for ANY CRA to obtain verification of ANY Bankruptcy accounts reported on my credit report through physical verification of the original signed consumer contract and/or judgment. I have a constitutional right to be left alone |
| creating a substantial moral hazard and injured me by causing an interference with my ability to engage in commerce.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | giving me reason to believe and do believe it would be impossible for ANY CRA to obtain verification of ANY Bankruptcy accounts reported on my credit report through physical verification of the original signed consumer contract and/or judgment. I have a constitutional right to be left alone |
| creating a total of {$1600.00} USD/XXXX PLN. This clearly represents fraud or an error | 1 | 0.0% | I found that the same named item is listed for different amounts on each of the fiscal copies. On the fiscal copy on page 11 |
| creating a user ID and a password. However | 1 | 0.0% | on XX/XX/XXXX or XXXX |
| creating a vicious cycle where reduced credit lines increase my credit utilization ratio | 1 | 0.0% | including most recently on XX/XX/year> |
| creating additional consumer protection violations. On XX/XX/XXXX | 1 | 0.0% | just XXXX months after installation. When I filed a warranty claim |
| creating an estoppel by acquiescence. | 1 | 0.0% | and the time allotted to respond has passed. No rebuttal was provided |
| creating an inference that a call of that length supposedly creates an inference that a loan application was requested | 1 | 0.0% | thereby adversely impacting consumer credit ratings with credit reporting agencies. When the consumer asks LoanDepot LLC to revoke the notification and to correct and withdraw the Notice to the credit reporting agencies because no loan application was made or requested |
| creating an unavoidable fee situation through no fault of my own.,,KEYCORP,IL,60067,,Consent provided,Web,2026-01-22,Closed with monetary relief,Yes,N/A,18923951 | 1 | 0.0% | KeyBank is threatening to assess inactivity fees while simultaneously providing no functional way for me to use |
| creating an unnecessary and obsolete bureaucratic hurdle | 1 | 0.0% | the account was compromised. BoA opened a new account for me to secure my funds. However |
| creating blogs to document what is happening to them as they go through it | 1 | 0.0% | so they took it upon themselves to stage a default of my home loan by fabricating a missed payment that they then converted to a fabricated escrow deficiency when running escrow analysis for the year on the same date as the statement date. They are basically using dual default dates in a method that has a staged default date in the back that can never get satisfied so always defaults the homeowner no matter what effort he puts in to fix or get his mortgage current |
| creating business for themselves off the backs of unsuspecting American citizen. That is absolutely asinine and fraudulent. I expect this to be resolved and while I 'm waiting for an answer I 'm cc'ing this to my congressman.,,EQUIFAX | 1 | 0.0% | XXXX |
| creating conflicting and misleading data. The narrative codes attached ( 167 | 1 | 0.0% | no IRS Form 1099-C has been issued for this account |
| creating conflicting and misleading data. The narrative codes attached ( XXXX | 1 | 0.0% | no IRS XXXX XXXX has been issued for this account |
