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XXXX

4.1K consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.

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4.1K consumer complaints filed with the CFPB

This profile shows XXXX's complaint history from CFPB public records. 4,093 consumers have filed complaints since # # . The company has a 0% timely response rate and has provided relief in 0.6% of cases.

4.1K
Total Complaints
0%
Timely Response
0%
Disputed
0.6%
Relief Provided
1883
States Active
# #
Since

Total complaints

4.1K

Filed since # #

Timely response

0%

CFPB-tracked response window

Relief rate

0.6%

Closed with monetary or non-monetary relief

Timely response rate 0.0%
Federal benchmark

CFPB benchmark: response within 15 calendar days of filing.

Relief rate 0.6%
Industry median

Share closed with monetary or non-monetary relief.

XXXX complaint mix by product

Total complaints: 4.1K

XXXX complaint mix by product Horizontal strip chart. Width of each segment is proportional to that category's share of the 4.1K total complaints. Trend arrow shows rolling 12-month direction. Inline badge shows resolution rate (% closed with relief). XXXX: 1,220 complaints (71.4%), resolution 0.7% XXXX 71.4% XXXX XXXX: 226 complaints (13.2%), resolution 0.9% XXXX XXXX 13.2% impartiality: 68 complaints (4.0%), resolution 0.0% XXXX XXXX: 65 complaints (3.8%), resolution 0.0% FRAUDULENT ACTIVITY: 60 complaints (3.5%), resolution 0.0% XX/XX/XXXX: 44 complaints (2.6%), resolution 0.0% XXXX XXXX: 25 complaints (1.5%), resolution 0.0%
  • XXXX 1K 71.4% – 1% relief
  • XXXX XXXX 226 13.2% – 1% relief
  • impartiality 68 4.0% – 0% relief
  • XXXX XXXX 65 3.8% – 0% relief
  • FRAUDULENT ACTIVITY 60 3.5% – 0% relief
  • XX/XX/XXXX 44 2.6% – 0% relief
  • XXXX XXXX 25 1.5% – 0% relief

How XXXX's 4.1K complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.

Complaints by Product

Product Complaints
XXXX 1.2K
XXXX XXXX 226
impartiality 68
XXXX XXXX XXXX 65
FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA 60
XX/XX/XXXX 44
XXXX XXXX XXXX XXXX 25
title VI 19
title XXXX 15
In general 11
but a request to review the above listed tradeline 11
the inclusion of these accounts on my credit report without my explicit consent is a clear violation of my privacy rights. The FCRA mandates that consumer reporting agencies 10
XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor 10
title I 9
a consumer report may only be furnished for specific permissible purposes 9
Email & mail in order to garner attention to these accounts Also 9
15 USC 1681 section 602 ( a ) states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness 9
no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information 8
you will find detailed documentation outlining the issues I have encountered 8
the Maryland Fair Credit Reporting Agencies Act 8
OH XXXX 8
FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 7
I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company where I can opt out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity 7
XXXX XXXX XXXX XXXX XXXX 7
says 6
including 6
then I need you to provide me with copies of any documentation associated with this account which bears my signature 6
Transunion 6
I request the following : Account Name : XXXX XXXX Account Numbers : XXXX 6
I am attempting to resolve this situation by granting my Mother durable power of attorney rights in hopes that she will be able to sign and cash the checks I have received as well as provide basic banking services for me. In addition to the costs associated with paying check cashing processors 6
I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore 6
XXXX XXXX XXXX 6
XXXX XXXX 6
it is a fact 6
which are not associated with me : XXXX XXXX XXXX XXXX XXXX 5
specifically referencing 15 USC 1681 5
XXXX XX/XX/XXXX 5
any communication and collection activity 5
XXXX XXXX. XXXX 5
such as a drivers license 5
Fair Debt Collection Practices Act ( FDCPA ) 5
character 4
and communication with the FTC 4
this is an UNLAWFUL attempt to collect a debt under the laws of the Fair Credit Reporting Act ( FCRA ) by both XXXX and XXXX XXXX XXXX XXXX XXXX. Under the FCRA a Creditor cant report ANY debt or report any account for Collections to any of the Credit Reporting Agencies ( CRA ) until it has made at least a Good Faith Effort to contact the consumer directly and settle the debt BEFORE making any negative reporting to any of the nationally recognized CRAs. However 4
I am requesting a reinvestigation of this entry in accordance with FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ]. If the listing can not be fully verified 4
or may rescind any block 4
XX/XX/XXXX : XXXX 4
I am requesting the immediate deletion of this erroneous tradeline from my credit reports with all credit reporting agencies. In addition 4
Equifax 4
607 ( b ) 4
under 15 U.S.C. 1692c 4
I filed a dispute with XXXX 4
you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition 4
charge off status ) 4
which clearly shows five late payments 4
deceptive 4
I have noticed inquiries on my report from XXXX XXXX 4
Experian 4
New Jersey XXXX XXXX XXXX XXXX XXXX XXXX 3
along with inaccurate information such as names 3
which are factually incorrect as I have paid each of these accounts on time and in full 3
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Credit cards and tradelines with inconsistent balances or closed statuses ( e.g. 3
I received a call from XXXX XXXX of XXXX XXXX XXXX on XX/XX/XXXX 3
which requires consumer reporting agencies to ensure maximum possible accuracy : XXXX XXXX XXXX 3
I sent formal dispute letters via certified mail to Equifax Information Services LLC ( XXXX XXXX XXXX XXXX 3
Birth certificate 3
Collection accounts : XXXX 3
Under 12 CFR 1016.7 as well as 12 CFR Part 313.7 3
with XXXX XXXX XXXXXXXX 3
completeness 3
NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 3
section 2 states that 'In general 3
credit reporting agencies are legally required to maintain accurate and up-to-date information. My current identifying information is : * Name : XXXX XXXX XXXX XXXX * Address : XXXX XXXX XXXX XXXX 3
unverifiable 3
my credit file contains several incorrect addresses 3
responses have sometimes stated verified as accurate without identifying the method used 3
I respectfully request an immediate investigation into and removal or correction of the following incorrect data being reported on my file : Equifax : ADDRESSES -- XXXX XXXX XXXX XXXX XXXX 3
the head of an executive 3
complete information FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing false 3
collection agency 3
GA XXXX ( Single Family ) XXXX XXXX XXXX XXXX XXXX 3
TX XXXX TransUnion Consumer Solutions XXXX XXXXXXXX XXXX XXXX 3
in XXXX XXXX 3
the account is inaccurately listed as open 3
15 USC 1681 section 602a states 3
the dates and times they allegedly spoke to them 3
but I have never lived at any of these locations : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 3
which protects consumers ' claims and defenses. It includes terms such as person 3
DELETE INACCURATE NAME : XXXX XXXX XXXX 3
XXXX XXXX XXXX XXXX XXXX XXXX 3
XXXX - Address : XXXX XXXX XXXX 3
TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 3
and from trading this vehicle for a larger one that we also needed for an added member to our family. In XXXX XXXX XXXX changed the amount of time that we have had the loan to reflect what is not the truth of what is written in our loan contract. They erased all of our payments from our credit report payment history and added them to the loan so it looks like we owe more than my account online reflects. In XXXX XXXX XXXX manipulated the credit report to reflect six months of account history with on-time payments but our loan balance increased and those payments were added to the loan 3
supporting documentation 3
IL XXXX Delete the Following Incorrect Names & Personal Information : * XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX * SSN Variations : XXXX Delete the Following Employers : 1. XXXX XXXX XXXX 2. XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX Delete the Following Incorrect Addresses : 1. XXXX XXXX XXXX 3
addresses 3
the bureaus took more than 30 days to complete my investigation here are some of my most recent certified mail tracking number # s disputing the information above again XXXX 3
I have the right to request all the information in my credit file 3
Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX 3
has violated my rights XXXX XXXX XXXX 3
IL XXXX XXXX. Equifax Provided Address : Equifax Corporation 3
been associated with 3
all three credit bureaus are reporting incorrect and unverifiable personal information that does not belong to me. Multiple false addresses appear on my credit files 3
false and misleading representations made to me 3
however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. XXXX shows 30 days past due starting in XXXX 3
FL XXXX XXXXXXXX XXXX XXXX XXXX 3
Account XXXX. : XXXX XXXX XXXX Account XXXX. : XXXX XXXX Student Loans 3
researching 3
my credit report contains multiple inaccurate addresses associated with my file 3
and these figures are still being updated as recently as XX/XX/XXXX according to TransUnion 3
60 3
also known as furnishers of information to credit agencies 3
which constitute identity misrepresentation and privacy risk : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 3
inaccuracies 3
written 3
credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry 3
and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account ( XXXX ) with XXXX XXXX 3
XXXX I unequivocally deny any liability for this debt. I have never entered into any agreement with XXXX XXXX 3
which grants me the right to control access to my educational records 3
FL XXXX XXXX XXXX XXXX XXXX XXXX 3
credit reporting agencies must ensure that all information they report is accurate and current. The following addresses 3
I have unequivocally rescinded all permission for the furnishing of my personal information 3
as the consumer 3
social security card and my passport The inquiries 3
XXXX XXXX XXXX XXXX Balance : {$410.00} 3
all three credit bureaus show these accounts as open 3
please send an updated report of my credit file to all secondary credit reporting bureaus 3
creditors are required to report accurate information. Inaccurate Payment History : The account reflects multiple 30 3
WA 3
the U.S. Department of Education 3
IL XXXX Delete the Following Incorrect Names & Personal Information : Delete the Following Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXXXXXX XXXX XXXXXXXX 3
you are required by federal law to block the reporting of all information that results from identity theft within four ( 4 ) business days of receiving my request and documentation. Enclosed are the following documents : My official FTC Identity Theft Report A government-issued ID Proof of residence ( utility bill or lease agreement ) A detailed list of the fraudulent accounts and inquiries Below is a list of accounts and inquiries that were fraudulently opened in my name : Fraudulent Accounts : XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX | XXXX : {$14000.00} XXXX. XXXX XXXX XXXX Opened XX/XX/XXXX | XXXX : {$13000.00} XXXX. XXXX XXXX Credit Card Opened XX/XX/XXXX | Amount : {$740.00} XXXX. XXXX Credit Card Opened XX/XX/XXXX | XXXX : {$380.00} XXXX. XXXX Credit Card Opened XX/XX/XXXX | Amount : {$210.00} XXXX. XXXX XXXX 3
thereby causing me financial harm and burdening me with student loan debt that I am unable to repay. In accordance with the Fair Credit Reporting act 3
after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer 3
there is a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$2400.00} that does not have a proper IRS Form XXXX filed for debts over {$600.00}. Under CRA 607 ( b ) 3
when in reality I have no connection to this debt. No contract 3
are incorrect 3
as outlined in my official FTC Identity Theft Report # XXXX 3
phone numbers 3
opened 3
XXXX Account # XXXX 3
but are not limited to 3
which is not true. The FCRA states that all information that is being reported on my consumer report must be 100 % complete and accurate. According to Congress 3
inaccurate 3
nor do I have any connection to these addresses : XXXX XXXX XXXX XXXX XXXXXXXX 3
Credit reporting portfolios is sensitive data. The issues of ACCURACY AND COMPLETENESS of information AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; CREDIT GRANTOR PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting. Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTENANCE of ACCURATE credit conclusions can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND METRO2 STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again 3
we had the mortgage on autopay with the previous company and thought everything was fine. During this transitions 3
611 ) The following addresses are inaccurately reported on my credit profile and are not associated with me. Reporting these false addresses constitutes a violation of the FCRA : XXXX XXXX 3
I was unaware of the gravity of this situation and the legal implications it entailed. I was led to believe that my role was merely to assist in a clerical error or qualification hurdle due to XXXX XXXX XXXX XXXX employment status. I was assured that this loan would be transferred to her within three weeks 3
Closed Late Payments : 5 total ( 30 & 60 day lates ) Last Payment : XX/XX/XXXX Credit Limit : {$710.00} Highest Balance : {$870.00} Address : XXXX XXXX XXXX 3
these institutions are required to provide me with a notice that clearly and conspicuously outline my rights as a consumer. They have not provide me with an option to opt out of consumer credit reporting. I was not given the opportunity to 3
15 U.S.C. 1681 et seq. 3
some XXXX customers 3
XXXX - XXXX Inquired on XX/XX/XXXX 3
TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3
XX/XX/XXXX ( XXXX and XXXX XXXX Balance Owed : {$15000.00} Payment Status : Current I identified late payments reported for this account that I dispute as being inaccurate. According to my records 3
CO XXXX 3
an act that could have been 3
on XX/XX/XXXX 3
and I believe this is a fabricated statement. According to the Power of Attorney ( POA ) 3
but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days 3
charge-off 3
{$3100.00} XXXX. XXXX XXXX XXXX XXXX Account # : XXXX XXXX 3
violating multiple consumer protection laws : XXXX XXXX ( Account No. : XXXX ) ** XXXX XXXX ( Account XXXX. : XXXX ) ** XXXX XXXX Account XXXX. : XXXX ) Student Loans : XXXX Account Numbers : XXXX 3
Except as authorized under subsection ( b ) 3
UT ( XXXX ) XXXX XXXX XXXX XXXX 3
XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX 3
Account Number : XXXX Account Name : Capital XXXX 3
XXXX XXXX XXXX and XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX 3
nor do I provide now 3
I identified the following issues : INACCURATE ADDRESSES TO BE REMOVED : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX 3
XXXX. XXXX XXXX 3
AZ XXXX XXXX XXXX XXXX XXXX 3
which mandates that credit reporting agencies ensure that information on consumer credit reports is complete 3
we 've confirmed that we 're accurately reporting your account to the following credit reporting agencies : XXXX 3
XXXX XXXX XXXX have reported addresses that are not associated with me 3
XXXX identified numerous errors in his personal information that 3
rule or regulation of the State of Maryland or any political subdivision would permit a Creditor to repossess any automobile 3
incomplete 3
Stevenson v. TRW ( Experian ) 2
of each initiated inquiry 2
I did NOT give XXXX 2
AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX 2
CA XXXX XXXX XXXX XXXX XXXX XXXX 2
'' as classified under the aforementioned statute 2
repeated inquiries 2
both the debt and the collection and reporting activities of both XXXX and XXXX XXXX XXXX XXXX XXXX are knowingly FRAUDULENT 2
Account # XXXX 2
FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2
the consumers 2
XXXX XXXX XXXX # XXXX UNKNOWN INQUIRIES : XXXX XXXX ; XXXX 2
it states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness 2
under the purview of the Consumer Financial Protection Bureau ( CFPB ) . This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft 2
Thursday 2
as defined by 15 USC 6809 ( 4 ) 2
PA XXXX PLEASE DELETE ALL ADDRESSES 2
including XX/XX/XXXX 2
on XX/XX/XXXX I contacted Discover Bank via XXXX XXXX directly to inquire about the status of the debt 2
Bank of America sent a letter stating a Short Sale had been opened on our home. On XXXX XXXX 2
I promptly contacted the Timeshare Defense Attorneys 2
NY XXXX XXXX XXXX XXXX XXXX XXXX 2
I was unaware of the gravity of this situation and the legal implications it entailed. I was led to believe that my role was merely to assist in a clerical error or qualification hurdle due to XXXX XXXX XXXX XXXX XXXX status. I was assured that this loan would be transferred to her within XXXX weeks 2
Title X 2
incorrect 2
THE REPORTING AGENCIES 2
falsifying 2
these inaccurate identifiers remain. Their continued reporting violates the FCRA 2
as documented by my bank statements and confirmations from my payment method. However 2
with no prior issues 2
FL XXXX Incorrect Information to Be Removed : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Names : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> 1989 XX/XX/year> Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX 2
15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have exercised my right to opt-out of all disputed accounts. This opt-out applies to any consent that may have been obtained in written 2
Chase bank 2
SC XXXX XX/XX/XXXX XXXX XXXX XXXX CT XXXX 2
XXXX and its related subsidiaries 2
TN XXXX XX/XX/XXXX 2
Inc. 2
including with XXXX 2
TX XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report 2
it is explicitly stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the respective consumer. To this effect 2
15 United States Code 1692e 2
in the mail. Nor 2
B 2
I am entitled to have only accurate 2
SC XXXX please remove : XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2
I demand the following corrective actions : Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records 2
* * XXXX XXXX XXXX XXXX XXXX XXXX 2
XXXX A XXXX 2
it's showing a late payment in XXXX and XXXX of XXXX. The XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due 2
the Secretary of the Treasury shall submit a report to the XXXX XXXX XXXX and XXXX XXXX XXXX House XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX on- ( XXXX ) the Treasury XXXX public debt activities 2
Credit reporting portfolios is sensitive data. The issues of ACCURACY AND COMPLETENESS of information AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; XXXX XXXX PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting. Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTENANCE of ACCURATE credit conclusions can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND XXXX STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again 2
none of which correspond to my actual residences or mailing addresses : XXXX XXXX 2
XXXX XXXX has lost his previous job 2
on XXXX XXXX 2
three recorded defective mortgages. As outlined in attached 2
XX/XX/XXXX ( XXXX and Equifax XXXX Balance Owed : {$15000.00} Payment Status : Current I identified late payments reported for this account that I dispute as being inaccurate. According to my records 2
NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2
all of the above violations contribute to an overall violation of my federally protected consumer privacy under the PRIVACY ACT OF 1974. In my monthly consumer report XXXX XXXX 2
please submit your request to Resurgent Capital Services with confirmation that you are a California resident 2
XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX 2
no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse or derogatory item of information 2
unauthorized inquiries without permissible purpose and invalidated accounts still reporting negatively on my credit report. Over the past several months 2
specifically sections 15 U.S.C. 6801-6809 2
XXXX XXXX Acct # XXXX 2
they were the OWNER of my mortgage from XX/XX/XXXX 2
because this purported overdrawn account XX/XX/XXXX line item on page XXXX of XXXX of my Early Warning Services 2
my credit report directly impacted my ability to secure a career opportunity 2
XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : My current and only address is : XXXX XXXX XXXX 2
TX XXXX Equifax Equifax XXXX XXXX XXXX 2
the inclusion of adverse information 2
XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) DEPT OF EDUCATION/ XXXX XXXX Date Opened : XXXX XX/XX/XXXX Last Activity : XX/XX/XXXX Late days : XXXX 2
I NEVER GAVE THEM THE RIGHT TO CONTACT ME OR OBTAIN MY INFORMATION. ) XXXX 2
I believe that you may be violating the following federal laws : 1. The Equal Credit Opportunity Act ( ECOA ) 2
that I am now and forever exercising my rights as a federally protected consumer to opt out of having my private financial information i.e. XXXX credit cards ending in XXXX and XXXX disclosed 2
and legal action will be taken accordingly. 2. Violation of 15 U.S. Code 1681c ( a ) Exclusion of Adverse Information Under 15 U.S. Code 1681c ( a ) 2
date opened 2
with XXXX XXXX XXXX 2
some appearing as much as 4 times as it is the case with XXXX 2
under the Equal Credit Opportunity Act ( ECOA ) 2
as such they are not party to any claim 2
I 2
as these inaccuracies directly affect my ability to make informed financial decisions. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX 2
bank account application forms 2
including accounts ( XXXX : XXXX 2
in XX/XX/XXXX 2
OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2
SSN 2
confirmed by FTC Identity-Theft Report and Police Report # XXXX. Despite prior deletions and reinvestigations 2
but settlement discussions have stalled 2
and its reporting by not reflecting that we would be shown has LATE on our Mortgage while we were within the Legal Limits. And Guidelines of that Payment Financial Agreement. No matter what happens 2
I have yet to receive a response or correction regarding this matter. The complaint was submitted XX/XX/year>. The following account continues to appear on my credit report 2
XXXX XXXX Incorrect Name : - XXXX XXXX 2
Transunion is legally obligated to conduct all reinvestigations using reliable 2
XXXX XXXX of XXXX XXXX XXXX 2
I contend that XXXX 2
I'm receiving calls for a XXXX XXXX '' ( who I am not ) from various Utah and Arizona phone numbers. When I answer 2
if you 2
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX 2
simultaneously with the closing under ( a ) the Sale and Servicing Agreement 2
I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of their letter dated approximately 3 years ago which is also attached for your review ) which states 2
the car was sold 2
XXXX. XXXX 2
XXXX XXXX XXXX TX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed : XXXX XXXX XXXX XXXX XXXX 2
under the purview of the Consumer Financial Protection Bureau ( CFPB ). This complaint is filed under the protections and rights afforded to me by the following federal laws : - 15 U.S. Code 1602 ( p ) Definitions under the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601 Congressional findings and declaration of purpose - 15 U.S. Code 1692 Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S. Code 1666 ( b ) Correction of billing errors I have been a victim of identity theft 2
which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information Each Furnisher confirmed receipt on the original FTC report with a documented response found with FTC REPORT : XXXX and the complaint contained the proper vitrification documents as requested : One copy of a government issued identification card 2
pursuant to 15 USC 6809 ( 5 ) the term nonaffiliated third party '' means any entity that is not an affiliate of 2
[ Not Verified - XXXX and Equifax ] Date of Last Activity : XX/XX/XXXX ( All Bureaus ) Date Reported : XX/XX/XXXX ( XXXX and XXXX ) 2
states that In general Subject to subsection ( c ) 2
pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the XXXX credit reporting agency block all of the accounts 2
missed payments 2
other than this FRAUD derogatory XXXX XXXX XXXX Acct # XXXX account 2
XX/XX/XXXX ( Experian and XXXX XXXX Balance Owed : {$15000.00} Payment Status : Current I identified late payments reported for this account that I dispute as being inaccurate. According to my records 2
AL XXXX XXXX XXXX XXXX XXXX XXXX 2
both the debt and the collection and reporting activities of both XXXX and XXXX XXXX XXXX 2
XXXX and XXXX to see if this was on all my accounts and it was under XXXX at XXXX on XXXX 2
SYNCD ASHLEY 2
XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX 2
but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ) 2
but as a clear violation of both federal and state laws. I demand 2
I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX 2
XXXX CA XXXX 2. XXXX XXXX XXXX 2
I have identified the following accounts and inquiries that are either inaccurate 2
costing some consumers money and others their homes 2
only information pertinent to creditworthiness and financial behavior may be included in consumer credit reports. Income 2
under 15 U.S.C. 1681i 2
I submitted an identity theft dispute to Experian regarding a fraudulent XXXX XXXX account ( XXXX .... / Balance {$3100.00} / Opened XX/XX/XXXXXXXX ) that was opened as a result of identity theft. Enclosed with that dispute I included a Federal Trade Commission Identity Theft Report 2
10 XXXX XXXX 2
I am entitled to a complete and accurate credit report 2
I made the snap irrational decision to put my home for sale 2
* * do not appear on any official identification * * 2
aliases 2
affiant is aware and has proof in pursuant to 15 U.S. Code 6802 2
as per 15 USC 6802 ( b ) ( c ) 2
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2
I can not buy a new car to help me travel to and from work or appointments 2
I have the right to have inaccurate 2
XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX 2
I would like to update my current address in your records to reflect my correct address of XXXX XXXX XXXX XXXX 2
I have also been a victim of identity fraud. I initially reported identity theft in XXXX and was again a victim in XXXX 2
just days before the XXXX began 2
AND YOUR CORPORATION DOES NOT REPORT ANYTHING TO MY CREDIT REPORT. NOT MY ACCURATE NAME 2
showing 90 days late in XXXX and XXXX delinquencies in XXXX 2
yet they appear across multiple credit files : XXXX XXXX XXXX XXXX XXXX XXXX 2
let me draw your attention to something even more infuriating. XXXX XXXX not only is conducting predatorial lending practices 2
and I was faced with some of the worst experiences and attitudes by their Customer Protection Service who then transferred me to their even worse High Security Team 2
I have changed both my residential address and phone number 2
and they are unabashed in corrupting my credit report. This is unacceptable and unenforceable 2
INQUIRY 2
but a notice that your claim is disputed 2
then I may be able to afford the $ XXXX payment. I wont know until it is corrected 2
one ( 1 ) loan was for {$7000.00} and I already paid 43 % of the loan ( {$4500.00} ) 2
OH 2
security 2
and ( b ) another consumer 's entire credit history essentially disappears because a credit bureau has placed all ( or nearly all ) information that should be in the consumer 's credit file into the consumer file. in other words this 2
XXXX XXXX # XXXX 2
and their inclusion in my credit report is not only inaccurate but also potentially damaging to my creditworthiness. I firmly believe that these items should not be part of my consumer credit file 2
property and other financial 2
my bank 2
even though : The account was charged off in early XXXX 2
despite no evidence being provided to substantiate the accounts validity. 2. Report XXXX. XXXX ( XX/XX/year> ) Also Marked verified and updated 2
XXXX XXXX Enclosures : Copy of Wells Fargo XXXX Credit Card Statements ( Cycles ending XXXX 2
XXXX XXXX XXXX XXXX credit card issued by XXXX Bank was recommended to me by my Timeshare company 2
it is imperative that consumer reporting agencies uphold their responsibilities with fairness 2
the XXXX 2
numbers 2
along with copies of the letters sent to each company 2
which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After a thorough review 2
AZ XXXX 2
I called XXXX at about XXXX XXXX Central time and spoke with a gentlemen name XXXX 2
subject to subsection ( c ) 2
numerous accounts by the name of XXXX XXXX XXXX ( XXXX ) 2
Bankruptcy Discharge 2
doesn't law state that anything on my report that is untimely 2
fees 2
I waited on hold for 45 minutes 2
Closed Bankruptcy Information Reference Number : XXXX Record Type : Bankruptcy XXXX XXXX - Discharged Court : XXXX XXXX XXXX XXXX XXXX Inaccurate addresses and phone numbers Addresses : XXXX XXXX XXXX 2
my current and only address is : XXXX XXXX XXXX XXXX XXXX 2
if any action is taken which could be considered detrimental to any of my credit reports or my personal reputation and character 2
several incorrect addresses are being associated with my profile 2
I was told that I was 2 months behind on my payment even though I had always made monthly payments. XXXX found one of the payments 2
I kindly request that you take immediate action to remove the fraudulent items from my account and provide me with confirmation once this has been completed. Additionally 2
Texas XXXX The following items are inaccurate and DO NOT pertain to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice ) XXXX XXXX XXXX XXXX XXXX 1
because I did not get the equipment until a few days before XX/XX/XXXX. I did not get the training until about XX/XX/XXXX. They also asked me to pay for insurance and processing fees before the loan first begun due. The first day of repaying the loan came in XXXX XXXX and I made the payment using budget set aside for paying XXXX loan 1
I have disputed with all credit bureaus ( XXXX 1
dated XXXX 1
ending on XXXX XXXX 1
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 1
{$0.00} by Experian 1
please note that I filed a federal lawsuit entitled XXXX XXXX XXXX XXXX XXXX XXXX 1
NC XXXX 1
requesting the dispute processed that was used to verify the information 1
such as the incorrect name ( XXXX XXXX instead of XXXX XXXX XXXX ) 1
debt collectors are required to cease collection activities until valid debt verification is provided. NCBs inability to produce the full chain of title and supporting documentation 1
which was denied. We went to the local branch in XXXX XXXX 1
XXXX Member FDIC ( SoFi ). Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. Promotion Period : The Program will be available from XX/XX/XXXX XXXX ET to XX/XX/XXXX XXXX ET. Bonus Terms : In order to qualify for eligibility for a bonus 1
send all of the requested information via certified or regular mail to Experian Security Freeze 1
about XXXX XXXX XXXX I had call XXXX refund Department at XXXX then got routed to Quick Support Team : XXXX XXXX XXXX phone number XXXX. She had ask me to down load Apps : XXXX XXXX XXXX XXXX ( so she can share screen of my phone ) 1
even though Midland Funding stated that they would deposit my post-dated check on XX/XX/2016 1
I submitted their form Incapacitated Adult Freeze Request Form 1
a XXXX resident and verified victim of identity theft. I have already submitted all required documentation to Equifax to substantiate this claim 1
whenever a consumer reporting agency prepares a consumer report 1
XXXX I went online to the Mr. Cooper website to make my XXXX XXXX 1
dated 1
XXXX XXXX - XXXX 1
XXXX - {$990.00} 1
XXXXXXXX XXXX XXXX XXXX 1
we arrived at the branch 1
the accounts XXXX 1
I have identified several accounts that contain erroneous information : XXXX XXXX XXXX XXXX 1
I request the following resolutions to my complaint : 1. Demand Goldman Sachs to comply with my opt-out directive 1
the following erroneous information is still listed on my report and since you are required to report only true and accurate information 1
IL 1
without the bank verifying the plaintiff 's identity 1
my father inquired about my financial situation and to my surprise 1
I have no contractual agreement 1
a debt collector is defined as any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts 1
I formally request that the funds illegally withdrawn from my account be returned to me. I have obtained the following American Express ACH transaction numbers from my bank 1
on XX/XX/XXXX they sent me an offer for {$1900.00} for first three months. I called them on XX/XX/XXXX and they told me that the offer was no good. Im on the deed of the house and married to XXXX XXXX 1
and issues with the insurance not being included 1
I either can not reach an BOA chat or phone agent at all 1
they took advantage and had access to my persona ; stuff and info we were married. i did not give permission or know anything about this. i divorced them for this reason. plase help me straighten my credt out. accounts they did were XXXX 1
made on XXXX XXXX 1
then she can manually remove the hold. She put me on hold 1
a company with a proven history of fraudulent account management practices ie. changing my phone number without my permission 1
they failed to resolve the issue. I wrote to them again on XX/XX/XXXX 1
Title 15 of the United States Code ( U.S.C. ) section 1962g 1
call tomorrow XXXX XXXX 1
I sent the 1st of a series of Certified Letters to the attention of Owner/CEO at XXXX XXXX NMLS # XXXX 1
The following are receipt numbers for the certiied letters sent out : XXXX 1
VENESSAJANIS XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX 1
however my current insurance was set to renew at the end of the year ( expiring XX/XX/XXXX ). Once I realized they were still not removing the escrow despite having insurance I called on XX/XX/XXXX 1
Plaintiff in XXXX XXXX XXXX 1
falsifying documentation 1
that I am now and forever exercising my rights as a federally protected consumer to opt out of having my private financial information i.e. Chase credit cards ending in XXXX and XXXX disclosed 1
XXXX Contact Information : ( 1 ) DOE 1
1681s-2 XXXX ( XXXX 1
TX XXXX This letter is regarding Midland Credit Management INC Court Case Number : XXXX and Im providing the court case number due to the fact that this company never sent me anything in the mail or any form of communication so all I have is a case number 1
reduced eligibility 1
I was not notified. As the original creditor 1
I ave also noticed several duplicate charges made on two different acct. Or even on an acct I don't use normally. I think there might be more accounts their because I get pieces of info every so often that leads me 2 this assumption 1
date of birth 1
XXXX XXXX XXXX Enclosures : Account applications made on paper 1
XXXX and XXXX are adversely reporting the following accounts on my credit report without any verification and consent 1
b ) pain and suffering 1
XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX dealer services XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 1
Capital One is operating as a credit reporting agency 1
therefore I didn't supply them my social security number. But they was still able to list this on both of our XXXX credit reports. My wife was currently in an active bankruptcy and they put this on her credit. Now it looks bad to the Georgia Bankruptcy court because the trustee of the court has to sign off on a purchase like this. My wife was there for the presentation 1
you 'll not be billed the difference. '' I repeatedly receive bills from XXXX XXXX and have twice sent in my insurance paperwork as well as faxing the same. XXXX XXXX has never responded to me as to their agreement or dispute of the paperwork. I was surprised then 1
Equifax and XXXX to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as verifed accounts ''. Therefore 1
Acc # XXXXXXXX XXXX XXXX 1
providing documentation to verify my correct address and legal name. I requested the removal of any outdated or inaccurate information 1
XXXX and XXXX 1
the XXXX XXXX XXXX XXXX XXXX To qualify for this offer 1
which includes monthly service fees for XXXX 1
XXXX which requested them to remove this false debt or send proof that validates this debt with my signature 1
OH XXXX please delete any other addresses that appear on my report the are fraudulent. Delete the following addresses : XXXX XXXX XXXX XXXX 1
then later on XX/XX/XXXX went to pay for an item from an XXXX auction and my payment was declined. I thought how is that 1
my next payment of {$1600.00} would be due the end of XXXX 1
LexisNexis has reported several addresses that I have never resided : XXXX XXXX XXXX XXXX XXXX 1
( XX/XX/year> ) 1
c/o XXXX XXXX XXXX XXXX XXXX 1
the Guaranteed Rate officers that have not bothered to confirm in writing the issues detailed above are : 1 ) XXXX XXXX XXXX XXXX Supervisor XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
via certified USPS mail w/ delivery conf. I sent a letter to the United States Bankruptcy XXXX XXXX XXXX Arizona. In this letter 1
IN 1
XX/XX/year> at XXXX XXXX To : XXXX 1
platforms 1
although neither I nor the Estate has been served 1
CA CA XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM 1
Illinois at the XXXX XXXX XXXX United States Court House 1
the Federal Trade Commission 1
XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX {$5000.00} REV {$3900.00} - {$3900.00} XXXX CHARGE OFF XP/TU Late Dates : XXXX 1
I received notice that I did not have adequate insurance on my Florida condominium in accordance with BB & Ts policy. Readily 1
I communicated with the Escalation Center with US Bank via certified mail 1
I received an online secure message from American Express that my dispute was denied based on the supporting documentation provided by merchant. As soon as I received a message from American Express 1
XXXX - ( HUD CASE XXXX ) XXXX XXXX / Sent XXXX XXXX XXXX To : XXXX 1
TransUnion is obligated to ensure the accuracy and completeness of credit report information and to conduct thorough investigations of disputed items. Legal precedents 1
I received an alert from the Credit Bureau that I had a negative remark on my account. After reviewing the remark and my severally dropped credit score 1
EQUIFAX and XXXX via certified mail about this matter 1
I contacted Ocwen 's customer service 1
according to 15 USC 1681s-2 ; A consumers Credit Report 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. I sent my FTC Report 1
including but not limited to Gap insurance that has been revealed to be completely fraudulent/fake that added charge of {$1000.00} added to the predatory loan and a service warranty for {$1900.00} which I declined and signed a form stating the vehicle was as-is no warranty with my actual written signature 1
XXXX '' XXXX Subject : RE : PHH Loan number XXXX XXXX : XX/XX/2020 at XXXX XXXX CDT To : XXXX XXXX XXXX XXXX : XXXX 1
XXXX XXXX XXXX XXXX Account Number : XXXX DEPARTMENT OF EDUCATION / XXXX Account Numbers : XXXX 1
but rather than a XXXX brick even the phone appeared to turn on 1
spoke with XXXX 1
they sold the erroneous collection 1
digital logs 1
give the reason your company lied to the CFPB about the date 1
including : Device and browser fingerprinting ( XXXX 1
I am not a lawyer 1
SYNCB/JCPENNEY never updated me as to why my payment history was incorrect. I eventually requested for the account to be closed due to the constant errors of SYNCB/ JCPENNEY . I have disputed this through SYNCB/ JCPENNEY 1
but are not limited to XXXX 1
and constitutes an unfair and harmful reporting practice under UDAAP and borrower protection standards. Although the forbearance was processed on XX/XX/2025 and XX/XX/2025 1
XXXX Sunday XX/XX/2018 XXXX XXXX 1
talked to customer care from Bank of America. She was the first-one from BOA to XXXX my problem and created a dispute ( case # XXXX ) for all the creditors ( XXXX 1
XXXX I consolidated all of my loans and moved from Nelnet back to Great Lakes. I didn't check my credit report again until the beginning of this year ( XXXX ). Upon checking 1
XXXX XXXX XXXX these are the accounts : XXXX. XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX : XXXX XXXX. XXXX : XXXX XXXX. Inquiries : XXXX 1
I will pursue the following remedies without further notice : File formal complaints with the CFPB 1
mailed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
XXXX. XXXX dollars and XXXX was taken use of independent agencies are what XXXX XXXX has informed me of. XXXX and XXXX judge orders and police report I am not able to voice in a justice system taking my civil rights away to let a court know the contempt of court by independent agencies and agents. XXXX XXXX is an insurance agent in Maine and New Hampshire and Mississippi said Maine needed to terminate the name due to IMPROPER licensing! Claims were done within XXXX XXXX 1
10 seconds XXXX 9 minutes 1
I was promised by Champion Mortgage they would accept deferral of my XXXX 1
and I will resolve all my issue only through the Court 1
Aidvantage failed to provide any billing statement 1
the XXXX fraudulent wires were initiated by XXXX different perpetrators- XXXX XXXX and XXXX XXXX. I do not know either perpetrator. According to records I obtained from the bank 1
I contacted BoA fraud services to close the accounts at XXXX. No money was ever deposited in these accounts. All emails were also forwarded to XXXX. Four claims were filed with the following claim numbers : XXXX 1
but it is incorrectly listed as [ XXXX XXXX 1
undated 1
right before going to sleep 1
all payment was made on time 12. The Following Status Is incorrect and Incomplete you continue to report this erroneous late payment XXXX Account Number : XXXX please update all payment 1
I began receiving letters from another collection agency 1
I sent a payment of {$4200.00} for XXXX 1
under the WF claim dispute and WF Fraud investigation time frame of 60 days starting from the day that WF received my warning and complained against the XXXX merchant 's unlawful conduct ; WF agents should stop the payment to the XXXX merchant. But WF failed to protect my financial resource ; therefore 1
XXXX XXXX. XXXX and XXXX XXXX. XXXX ). My current and only address is XXXX XXXX XXXX XXXX 1
XXXX XXXX '' As of XX/XX/XXXX Instead of sending me a letter in return so that I can settle my debt or know where I stand 1
when I spoke with XXXX ( Debit Card Supervisor in Florida ) she stated that there was no evidence of Fraud. Clearly as this email is stated. I did was I was advised. Now I am out of {$2000.00}. I additionally 1
NM 1
Loan Officer XXXX NMLS # XXXX XXXX XXXX 1
someone prepared an Alloge to my Note which was titled to XXXX 1
Ideal Collection Services have removed from other bureaus except XXXX. XXXX XXXX finally admitted to the XXXX ( see attachment ) on XX/XX/XXXX that the tenant XXXX XXXX XXXX XXXX XXXX vacated the premises on XX/XX/XXXX. Although they claim it was an eviction 1
the following accounts appearing on my report are fraudulent 1
I initiated an effort to stabilize my finances and recover from the damage caused by the abrupt account closure. However 1
people we chatted with 1
on XXXX XXXX XXXX I am writing another letter ( to be mailed by USPS priority mail ) re-repeating the request that the Bank make the balance due on my credit card account zero. I am reminding the Bank that the Banks bills ( including the latest statement dated XXXX/XXXX/XXXX and the past due warning dated XXXX/XXXX/XXXX ) continue to be mistaken. This is because 1
both bureaus are required to ensure maximum possible accuracy in the information they report. By publishing late payment records on an account that is current and has no past due balance 1
XXXX XXXX XXXX XXXX Enclosures : Account Summary 1
along with the CFPB ordering Navy Federal to pay XXXX XXXX dollars for improper debt collection practices 1
XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) 1
following links labeled weekly '' eventually lands you on the https : //www.annualcreditreport.com/requestReport/processCRA.action page -- which is exactly the same page you'll land on if you request your free annual '' report. (??? ) On that page 1
Still 1
I called back to XXXX XXXX the voice message asked me call back. The rep said he can not verify me 1
I opened disputes and rebuttal as well 1
on Wednesday 1
XXXX XXXX XXXX XXXX Phone number : ( XXXX ) XXXX Creditor : XXXX XXXX Account Statement : Exceptional payment history Current Balance : {$2000.00} Account Status : Closed Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Closed/Never Late Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Original Balance : {$1000.00} High Balance : {$2000.00} Paid Off : Yes Monthly Payment : {$25.00} Last Payment Date : XX/XX/XXXX Past Due Amount : - Your Statement : - Creditor : XXXX XXXX Account Statement : Exceptional payment history 1
including : XXXX XXXX XXXX XXXX 1
and the other bank client with the same account number. The banking client with my account number never updated their new account number with the IRS 1
Validation of Debts. I respectfully request that LVNV Funding LLC provide me with competent evidence that I have any legal obligation to pay. Second 1
I received a notification from Navy Federal Credit Union stating that my application for a credit line was denied. I would like to understand the specific reasons for this decision 1
[ ] but also [ ] correct information [ ] that nevertheless [ ] create [ s ] a materially misleading impression. [ ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 1
XXXX ( XXXX XXXX. XXXX ). For redemption of Federal reserve notes whose bank of issue can not be identified 1
you ca n't just put random information into my Credit Report without sharing it with me and I do not have to add any kind of statement to my XXXX did n't apply for anything from these people. I have asked that you stop reporting XXXX XXXX 1
MA XXXX ( This is not my address and has never been associated with me. Yet 1
unwritten 1
TX XXXX XXXX never lived at that address 1
the representative at XXXX said that they mailed a letter on the same date as XXXX despite me having no record of a second separate letter. Upon hearing this 1
all of the above violations contribute to an overall violation of my federally protected consumer privacy under the PRIVACY ACT OF 1974. In my monthly consumer report Capital One 1
I contacted the internet provider and I was instructed how to go into my computer and find out all the users. I did 1
and based on multiple recent home sales in my area 1
I have continued receiving repeated collection attempts from both Western Funding and Westlake Financial . These include multiple calls from numbers associated with Western Funding ( XXXX 1
I am requesting that you block the following fraudulent accounts and Collections accounts from my credit report : [ XXXX XXXX XXXXXXXX {$210.00} ; XXXX XXXX XXXXXXXX {$440.00} ; XXXX XXXX XXXX XXXX 1
I noticed nearly {$7000.00} in fraudulent charges. These charges were made in states Ive never visited in my life 1
d/b/a and a/k/a Seterus and Mr. Cooper 1
XXXX reported an inaccurate 30 days late payment notice to XXXX 1
includes members such as XXXX XXXX 1
stated that outline of transaction for above-referenced account number is {$3.00} 1
The Rule of the Organized XXXX '' 1
XXXX. XXXX dollars and XXXX was taken use of independent agencies are what XXXX XXXX has informed me of. XXXX and TWO judge orders and police report I am not able to voice in a justice system taking my civil rights away to let a court know the contempt of court by independent agencies and agents. XXXX XXXX is an insurance agent in XXXX and XXXX XXXX and XXXX said XXXX needed to terminate the name due to IMPROPER licensing! Claims were done within Lexis Nexis 1
XXXX and its principals 1
Wells Fargo Bank had issued a debit card ending with # XXXX & linking to # XXXX without actual customer knowledge ; their careless had caused many unauthorized withdrawals from # XXXX & had damaged XXXX trust to do banking 1
and even IF it were 1
the XXXX XXXX XXXX was required after their sale of the debt to portfolio recovery to promptly update the current balance to {$0.00} since no debt is therefore owed to them. Which they have never done no matter how many times this account was disputed. Both XXXX XXXX XXXX XXXX can not report a balance only XXXX ( EXPERIAN RESPONSE ON XX/XX/XXXX ) Company 's Response Thank you for submitting your dispute on XX/XX/XXXX 1
XXXX or Experian ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 Inaccurate Personal Information : XXXX XXXX 1
no answer 1
2022 ). Under Operating Circular 10 ( OC-10 ) 1
Midland has continued collection activity during the dispute 1
I received an invoice for {$3900.00} and I was shocked. I contacted XXXX billing department and XXXX XXXX and told them that the bill was incorrect because they did not even start the decontamination process. Which 1
15 USC 1681 Section 604 ( a ) ( 2 ) states : Subject to subsection ( c ) 1
I created a ticket through their automated system. Receiving no response 1
promising profits from each instance. He eventually encouraged me to invest more for bigger trades. I made my initial payment of {$10000.00} to XXXX on XX/XX/2023 1
sleepless nights 1
including XXXX 1
it should have earned interest in XXXX 1
reset devices 1
I called Navient at about XXXX XXXX Central time and spoke with a gentlemen name XXXX 1
and tried again 1
TX XXXX Sincerely 1
unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof 1
both current and previous. The incorrect addresses listed are as follows : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX 1
AS TOTAL VALUE OF $ XXXX TO $ XXXX IS EXPECTED TO BE RETURNED TO FAMILY PROTECTION TRUST FROM CORRUPT PRACTICES 1
I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 1
and tried to force me to rent a car at my expense. When i told them i was calling the local news then a XXXX XXXX. Manager contacted me and provided a loaner. Now that all those things were supposedly repaired the new drum rear brakesthey installed two months ago are completely rusted XXXX. ( Pics attached ) My vehicle drives weirdly 1
and alleged managers '' who could not resolve the problem. On the last failed attempt 1
and XXXX 1
I received a letter from Amerihome Mortgage 1
reported a Status as Collection/ Chargeoff. XXXX reported Closed. Experian reported Closed. These are violations of 12 CFR 1022.3 1
which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( XXXX ) ( defining person as an individual 1
I contacted the customer service number provided. I expressed my concerns that the letter was incomplete 1
I spoke with branch banker XXXX XXXX ( XXXX ID XXXX ) at the PNC Bank located at XXXX XXXX 1
we were past due for our XXXX payment which I knew would remain past due until paid. To me this meant that XXXX would become XXXX 1
includes 1
a legally compliant charge-off tradeline must show : The original agreement 1
I spent nearly XXXX hours speaking with XXXX Capital One representatives across Collections ( XXXX 1
XXXX has failed to satisfy its duty under the Fair Credit Reporting Act 15 U.S.C.1681s-2 ( b ). After my dispute was received by the credit reporting agencies 1
12 U.S.C. 5531 ( UDAAP ) Wells Fargos actions amount to unfair 1
and is subject to an eligibility check. Options depend on your purchase amount 1
which I have been attempting to convey through a series of cases that have been logged with your company 1
PA XXXX Subject : Formal Debt validation Request Under FCRA XXXX XXXX Dear TransUnion Dispute Department XXXX I am writing to formally request the validation of this debt/information on my Experian credit report ( Report Date : XX/XX/XXXX ) pursuant to the Fair Credit Reporting Act ( FCRA ) 1
XXXX. I do not go by XXXX XXXX '' or XXXX XXXX XXXX 1
United States Department of Consumer Affairs 1
XXXX XX/XX/XXXX ( Exhibit 5 ). That fraudulent letter denied my claim # XXXX on the grounds that they could not verify with XXXX XXXX that I had claimed a chain saw even though I had provided verifiable evidence that I claimed the chain saw with XXXX XXXX. Because XXXX was just a benefit XXXX of XXXX XXXX XXXX member of XXXX XXXX XXXX 1
Experian must reopen the dispute 1
and tried to force me to rent a car at my expense. When i told them i was calling the local news then a XXXX XXXX. XXXX contacted me and provided a loaner. Now that all those things were supposedly repaired the new drum rear brakesthey installed XXXX months ago are completely rusted XXXX. ( Pics attached ) My vehicle drives weirdly 1
XXXX I need to complete this payment 1
so I need to be able to purchase money orders with my debit card 1
{$680.00} at XXXX. ( Total XXXX ) According to the Well Fargo service rep 1
2016 1
in the middle of our closing 1
please submit your request to RCS with confirmation that you are a California resident 1
I went to precinct XXXX XXXX NY intend to file a policy report 1
including 4 1
I discovered numerous errors 1
usually within 30 days 1
we have attempted to file a Chase Request for Mortgage Assistance application 30 times since XX/XX/XXXX. We have sent our applications to Chase offices in XXXX 1
the XXXX XXXX XXXX BB & T ATM Fee ( {$3.00} each ) 1
the majority starting in XXXX 1
American Credit Acceptance is operating as a XXXX XXXX XXXX 1
with the shortage surplus charges 1
I received a call from XXXX 1
XXXX XXXX Please remove these inaccurate addresses from my report. XXXX XXXX XXXX 1
as shown on my history of transactions on Robinhood 1
we continued to have to call and spend hours on hold and escalating to get information on the case and to try to ensure that the situation was being handled appropriately. We were forced to call back many times and each time got nowhere. Calls were placed on XXXX 1
XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120000.00} MTG {$0.00} - - XXXX XXXX XXXX XXXX PD WAS 30 XXXX Late Dates : XXXX 1
MOHELA ( and any agents ) have continued collection and negative credit reporting. I allege ( as consumer allegations ) misreporting 1
I decided to look into this company. Something didnt seem right. It did not take me long to notice this company is a scam. On the websites contact page 1
which is in violation of my rights under the FCRA. Specifically : - Incorrect Name and Employment Information - Erroneous Addresses : - XXXX XXXX XXXX XXXX XXXX XXXX 1
in the amount of {$360.00} stating that was the amount I had in my escrow account. I called Virginia Housing on XX/XX/XXXX 1
IP logs 1
the XXXX XXXX 1
I want this removed immediately 1
I tried to top off my XXXX gift reward balance using XXXX of the cards ( XXXX 1
I AM DEMANDING THAT TRANSUNION CORRECT THEIR ERROR ON MY XXXX ACCOUNT AS FOLLOWS : IN PAYMENT HISTORY SECTION REMOVE UNKNOWN FOR XXXX & XXXX AND REPORT PAYMENTS MADE FOR XXXX 1
Contractor ; XXXX XXXX 1
the agent who was waiting on the phone was still denied access to my Equifax credit score. AND 1
I should have only been assessed a late fee for XX/XX/XXXX 1
I noticed the following errors that require immediate attention : 1. Inaccurate Late Payments : First its XXXX XXXX 1
title VIII 1
drainage 1
XXXX. XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$120000.00} MTG {$0.00} - - XXXX XXXX XXXX XXXX PD WAS XXXX XXXX/TU Late Dates : XXXX 1
is the same that I made the deposit at but at the ATM 1
2014 I requested proof of validity of the original debt 1
talked to customer care from Bank of America. She was the first-one from BOA to acknowledge my problem and created a dispute ( case # XXXX ) for all the creditors ( XXXX 1
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX have committed IDENTITY THEFT by using my name 1
I request the removal of the incorrect information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1
it seems that using rough calculations 1
I specifically told the representative from Eagle Home Mortgage that I wanted around my payment to be around the low-to-mid $ 1600s. When he presented the cash-to-close to me when I was considering to purchase the house 1
VyStar Credit Union responded by asking for additional documentation 1
there were some amounts of money which I did not understand 1
cars 1
XXXX XXXX XXXX Florida 1
I called XXXX XXXX XXXXXXXX to speak with one of their supervisors for help. His name is XXXX 1
dated 1XX/XX/XXXX2018 was received on XX/XX/XXXX2018 stating the dispute was closed. I called in the next business day. I talked to one of your Card Member Service staff explained to her I was out of the Country and request reopening of the dispute and requested an email address to provide addition information. The reasons were I have to send in color photos to show the item specification which the item shipped did not meet. She promised to reopen the case and she further agreed to provide an email address so I could use. She also told me that a letter would be sent to confirmed. I waited several days 1
XXXX - Paid {$1200.00} ( {$1100.00} mortgage payment for XXXX 1
I am seeking clarification on why this dispute was not resolved in my favor. I have obtained diagnostic reports from three separate mechanics from different companies 1
I received a letter from my XXXX Tax Collector advising me that as of XXXX XXXX 1
wellness and personal care credit card at health-focused retailers and for procedures at healthcare practices 1
XXXX. Review all relevant information that I have provided 1
Texas XXXX The following items are inaccurate and DO NOT pertain to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice ) XXXXXXXX XXXX XXXX XXXX XXXX 1
I was able to identify the third-party vehicle and responsible companies 1
Judge XXXX brothers 1
I received notice that the charge was found to be legitimate and restored to my account. I called Chase and was told that the purchase was made in-person 1
Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax:XXXX XXXX XXXX 1
TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX 1
I applied for the Capital One SavorOne Rewards credit card during a promotional offer wherein the cardholder would receive a {$200.00} sign-up bonus upon spending {$500.00} within three months. According to the terms listed on the Capital One website ( see screenshot attached ) : This one-time bonus is available by clicking the 'Apply Now ' button on this page 1
then XX/XX/XXXX there are inaccuracies in the furnisher system or process inaccuraciesXXXX XXXX XXXX XXXX reported to the bureaus there was still activity throughout XXXX and XXXX who is using the closed 1
Ga XXXX XXXX SS Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
AMOUNT XXXX 1
I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX 1
upon the transfer and securitization of the credit card receivables ( asset-backed security ) 1
following just one of the many XXXX account histories 1
our company has expended our business model towards XXXXulture & education developing : educational 1
with whom XXXX XXXX 1
UAS has been the loan service provider for a private student loan I took out as a XXXX XXXX in XXXX. In XXXX 1
it turns out that he had changed his profile name to XXXX XXXX and still lists the said phone for sale. After interacting with the scammer under my pseudo XXXX profile 1
I decided to apply again for the Chase Freedom XXXX XXXX on XX/XX/XXXX 1
XXXXXXXX XXXX XXXXXXXX 1
my loan account has been set up with an automatic payment of {$590.00}. In recent months in XXXX 1
several accounts on my credit file reflect late payments that I believe to be inaccurate 1
XXXX and XXXX ). As well as contacted XXXX XXXX XXXX 1
ran up my credit cards 1
I discovered my Chase card was missing and immediately called Chase at exactly XXXX to report the card lost or stolen 1
I paid {$2100.00} monthly for my mortgage from the first due date of XX/XX/XXXX through XX/XX/XXXX. In early XXXX 1
and logged in and tried to pay off the cash advance 1
XXXX XXXX continues to report XXXX payments that occurred during hardship periods. The late payments currently being reported include : XX/XX/XXXX XXXX 1
which isn't mine and applied for without my knowledge or consent 1
the TransUnion 1
however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. Experian shows 30 days past due starting in XXXX 1
about a week later 1
with glaring situations of non-compliance 1
DEMAND FOR SETTLEMENT Account Number : Disputed Debt Collector Account # XXXX and/or Original Creditor Account # XXXX To Whom It May Concern 1
and {$1100.00} ( A2 ) to mortgage unapplied funds rather than escrow. See attached reconciliation sheet 2. NOTE B XX/XX/XXXX Escrow payment of {$2100.00} was again misapplied to principal Un-applied funds {$1100.00} ( B1 ) 1
that I am now and forever exercising my rights as a federally protected consumer to opt out of having my private financial information i.e. Kohls store card ending in XXXX disclosed 1
XXXX ( multiple dates ) 1
I have opened an account 1
I received a communication from a lawyer representing a collection agency. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX 1
this isnt mines XXXX XXXX has me with an account of owing XXXX not mines XXXX XXXX has me with an account owing over {$5000.00} 1
while others may be the result of fraudulent activity or erroneous reporting : * XXXX XXXX XXXX 1
GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 1
XXXX webank 1
assuring me that I would not be reported delinquent and that my account would be made current. The letter clearly stated 1
again 1
which are not associated with me : XXXX XXXX XXXX AV XXXX 1
I said really? '' Now 1
they do not answer/disabled or they do not return calls ( NSA contact numbers : ( XXXX 1
only by mail going forward. I am aware of the balance on my account 1
XXXX XXXX/XXXX XXXX 1
a claim was filed when Wells Fargo was informed you were in dispute of an online wire transfers sent from your Wells Fargo Initiate Business Checking Account ending in XXXX on XX/XX/XXXX 1
ocassionally two times in one day. I finally started documenting it and have it documented that I got a call XX/XX/XXXX 1
I have the TJ Maxx and Belk cards through Synchrony Bank 1
XXXXXXXX XXXX Account # 1
I tried to top off my XXXX gift reward balance using 5 of the cards ( XXXX 1
I was contacted by American Express to resolve the situation. I was called on XX/XX/XXXX from XXXX ( XXXX ) XXXX at XXXXXXXX XXXX Below is a transcript of the voicemail message left on my phone : Hello 1
good day. This message is for XXXX XXXX. My name is XXXX with Customer Advocacy calling regarding a business matter. Your reference number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please return my call at XXXX 1
XXXX XXXX XXXX XX/XX/XXXX 1
address and social security number. I provided a copy of my state id and social security card. The following information below : Name ID # : XXXX 1
depending on who I talked to. I received multiple addresses to send the money to : XXXX XXXX XXXX XXXX XXXX XXXX 1
my husband forwarded the above complaint statements to XXXX XXXX by email to let him know that if we didnt receive our full escrow account refund as he promised 1
XXXX $ XXXX.Acc # XXXX {$3200.00} XXXX XXXX 1
XX/XX/ 1
2015 we received a letter from Ocwen stating we were delinquent and in default. They stated beginning in XXXX 2015 through XXXX 2015 they did not receive payments each month of {$570.00} 1
I made numerous attempts via phone to verify how many accounts were opened 1
XX/XX/XXXX ( XXXX and Equifax ) Balance Owed : {$15000.00} Payment Status : Current I identified late payments reported for this account that I dispute as being inaccurate. According to my records 1
UT XXXX Spservicing.com XXXX XXXX XXXX XXXX 1
do not belong to me 1
your continued reporting and collection attempts without validation violate FDCPA 1692g ( b ) ( cease collection upon dispute until verification ) and 1692e ( false/misleading representations ). Reporting disputed debts without noting the dispute ( e.g. 1
XXXX ( twice ) 1
at XXXX XXXX XXXX XXXX 1
it stated This letter was produced on XX/XX/2024. '' The letter states XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX 1
free of charge 1
which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information Each Furnisher confirmed receipt on the original FTC report with a documented response found with FTC REPORT : XXXX and the complaint contained the proper vitrification documents as requested : One copy of a government issued identification card 1
because I felt there was a TILA violation 1
we referred the account ending in XXXX to XXXX XXXX XXXX for their handling. Any future correspondence in regard to the outstanding balance 1
regarding the alleged fraud investigation of an alleged charge by XXXX XXXX 1
I ask this company that if there is a nondisclosure clause in the contract/agreement giving that option to share my nonpublic personal information I ask this company to show me where in the same contract/agreement where I can opt-out of their sharing of my nonpublic personal information. 15 USC 6802 ( B ) 1b the consumer is given the opportunity 1
XXXX? Just his signature with no stamp or seal? My loan number is at the very bottom XXXX. The step rate loan modification agreement you will see XXXX 's signature again. You will also see how they have copied and pasted his signature there. Why would XXXX sign that document exactly the same right above his first signature?? Again 1
CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
TX XXXX XXXX XXXX XXXX XXXX XXXX ) Requested On : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 1
written testimony 1
in which we both do not agree with 1
I decided to keep it until closer to the one-year anniversary date. Therefore 1
my business mail was being sent to my home address. After establishing a physical office 1
I submitted two payments to show my willingness and effort to resolve the matter. The two payments were submitted by mail 1
I have the right to privacy. I did not provide XXXX 1
XX/XX/XXXX. I brought a small claims court complaint against Citi for these charges 1
Inc. was notified XXXX 1
I still wanted to get back on my payment plan. After the court 1
both dated XX/XX/year> ( addressed to my Florida home ). One stated they had tried to contact me several times by phone without success and provided a phone number for me to call about the case. I note that I have an IPhone and any calls 1
as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode 1
I have reason to believe that my personal and private information is being disclosed or used without my consent by Equifax 1
as specified in the attached letter 1
I received from the U.S BANKRUPTCY COURT confirming that they do not report information to Experian 1
XXXX and Equfiax are adversely reporting the following accounts on my credit report without any verification and consent 1
and phone numbers listed on my credit report. The following information must be reviewed and corrected : Incorrect addresses and phone numbers on my credit report as followed : Incorrect addresses on my credit report as followed : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Incorrect phone numbers on my credit report as followed : XXXX 1
Portfolio Recovery Associates LLC and its attorneys has seen fit to send me a letter informing me that I may request documentation concerning my original account. While that is entirely legal 1
I have contacted both institutions on several occasions 1
in good standing 1
a collection agency that fakes their image As a law firm to scare consumers 1
LLC Telephone Consumer Protection Act Litigation 1
but the Dispute with XXXX XXXX was resolved in my favor on a XXXX Credit Card Account that I was told would be CLOSED 1
XXXX GA XXXX XXXX Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Account Balance : {$63.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Date Open:XX/XX/XXXX Account Balance : {$1900.00} Account Name : XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Account Balance : {$78.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Account Balance : several different amounts and past due amount ... unsure of the amount Account Name : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Account Balance : Has inaccurate information regarding late payments from XX/XX/XXXX-XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX/ XXXX XXXX/ XXXX Account # : XXXX Date Open : XX/XX/XXXX ( several different dates ) Account Balance : {$4300.00} // {$7300.00} // {$4000.00} // {$5700.00} // {$3900.00} ( several different amounts ) XXXX fraudulent addresses : XXXX XXXX XXXX XXXX 1
there are several accounts listed on my report that I do not recognize. These accounts are listed under XXXX XXXX 1
XXXX ( XXXX XXXX ) dated XXXX XXXX 1
replied they have nothing to do with my property. County land records showing XXXX XXXX Bank is the recorded owner. I have letters from same law firm 1
pursuant to 15 U.S.C. 1602 ( p ) - The term unauthorized use 1
Deceptive 1
{$3800.00} from XXXX. XXXX XXXX from a card ending in XXXX 1
I attempted to buy XXXX XXXX 1
as I am running out of options and my patience has worn thin. I remember the following associates : XXXX ) XXXX XXXX XXXX ) XXXX XXXX in XXXX XXXX XXXX XXXX ) XXXX XXXX in XXXX main branch XXXX ) XXXX in XXXX XXXX branch This claim was denied and closed : # XXXX The following claims never were resolved : XXXX 1
including a letter stating each case number 1
attached files XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX 1
and has been paid in full with a final payment made on XX/XX/XXXX 1
I identified the following addresses that are obsolete : ( maintaining and publishing obsolete or unverified address data violates FCRA 611 1
XXXX location 1
my complaint centers on Synchrony 's transaction reporting violations 1
XXXX XXXX - XX/XX/XXXX 1
including AN # XXXX 1
any information that is inaccurate 1
misleading 1
which applies here. Since you have claimed verification of these accounts without providing any supporting information 1
I am writing to formally address several concerns regarding the management of my personal and loan accounts as well as the handling of my personal information. Firstly 1
residency 1
XXXX XXXX XX/XX/XXXX Trans Union LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 1
CFPB 1
Cap one recently enacted a premium short code '' 2SV that will not send the 5 digit auth codes they REQUIRE for log onto their website 1
I first became aware of possible fraudulent activity when I attempted to pay for a cab using my XXXX XXXX and it was declined and then with my other credit cards 1
subject to the Standard Maximum Deposit Insurance Amount per FDIC regulations ( currently {$250000.00} per eligible Gemini Customer ) and other applicable limitations. Our policy is to comply 1
on XX/XX/23 1
I have diligently communicated with various representatives of Comenity Bank 1
including the original signed contract 1
there exists a common date range of between XX/XX/XXXX and XX/XX/XXXX. I have not 1
2016 ( dated XXXX XXXX 1
I received a letter from a collection agency 1
I am asking for all related fees to be waived. I will pay for all back-payments that go to the principal and interest but no related fees for hiring this company to change the address 1
THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports 1
she is in charge of the loan procedure 1
fraud 1
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 1
XXXX XXXX XXXX AddressXXXX XXXXXXXX 1
aka XXXX XXXX XXXX 1
the XXXX XXXX XXXX XXXX 1
who also owns Central Illinois Title Company purports to having incurred '' for their alleged client ( XXXX XXXX XXXX who tells us they neither own '' any account/neither are invested '' in it ) but the law firm representing this entity has sought over {$500.00} for TITLE CHARGES '' ... which begs the question : how did the law firm completely miss '' the XXXX RELEASE which they purport in their frivolous foreclosure complaint 1
THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - Under XXXX XXXX XXXX - permissible purpose of consumer reports 1
I am formally demanding the following : A. Immediate Deletion of Unverified Accounts and Inquiries : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3900.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX entries ) XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX. Financial Compensation for Damages : Due to Equifax 's and the other agencies failure to comply with statutory timelines 1
I attempted to use it to make several online purchases 1
XXXX XXXX XXXX XXXX 1
I was charged {$120.00} for consulation 1
but I never received it. I requested a duplicate in my XX/XX/XXXX letter 1
XXXX XXXX XXXX XXXX -Untitled { Medical Subject has not satisfied debt. 1
and I regret to inform you that despite my persistent efforts 1
conferenced the site to store location ( XXXX 1
which does notaffect the consumer 's credit score 1
all payment was made on time XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX 1
and if given an opportunity to review them and can confirm they are ours 1
are not tied to any open accounts 1
ACCOUNT CLOSED AT CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} XXXX {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX ; XXXX -- -- -- -- XXXX -- -- -- Late Dates : LAST LATE DATE XX/XX/XXXX ( See status ) 1
and you can also review a list of Frequently Asked Questions ( FAQs ). The Receiver receives many emails with questions from consumers. We can not respond to each inquiry separately but will update the FAQS as questions come in. In the meantime 1
including XXXX. XXXX XXXXXXXX / XXXX loans 1
XXXX ( b ) 1
XX/XX/XXXX 2.XXXX XXXX 1
the Consumer Financial Protection Bureau. As a counter response I agree to : 1. First payment of {$50.00} due XXXX XXXX rather than XXXX XXXX as I was not notified of the acceptance of this payment arrangement in a timely enough fashion to have it begin in XXXX. 2. Interest continues to be halted and not accruing which means my interest free balance is actually 1
I became very upset because all the people I had previously spoken with had told me to disregard the {$1900.00}. She said that since I was upset she was going to hang up on me. I told her that she had no right to hang up on me because I was upset. I was only expressing my disbelief about the charges and there was absolutely no way she could justify those charges. I told her since she could not understand why I was so upset 1
XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX Ar XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX AR XXXX 1
I need to correct my credit file for my credit worthiness 1
NC with the XXXX XXXX Police. I will be reaching out to an Attorney 1
including a proposal to pay {$200.00} per month for 18 months ( total {$3600.00} ) as a reduced settlement 1
even after I sent all my personal information 1
my inability to make the minimum payments caused the outstanding balance to grow. In XX/XX/XXXX 1
on XXXX they closed it saying the charges were valid ( they did not provide me with a case number for this dispute ). I learned of this on XX/XX/XXXX when I called to inquire and at that time re-opened the dispute ( the case numbers provided in this instance were XXXX 1
my daughter XXXX called to question 1
XXXX On Wed 1
XXXX XXXX XXXX Account # XXXX 1
I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request 1
XXXX of XXXX and XXXX 1
account payoff 1
I contacted U.S. Bank again and was once more instructed to fax additional documentation 1
Barclays sided with XXXX for the second flight and did not give me my money back for the second flight. The disputed charge ( XXXX XXXX ) for {$300.00} was reposted to my account. This is not right because the merchant 1
S.D. ( Routing # XXXX ). Additional # XXXX ( not sure what it refers to ) on XX/XX/XXXX on back 2. Endorsed at Great Western Bank XXXX XXXX 1
I am entitled to fair and accurate reporting. Therefore 1
for the reader to be able to fully understand my response to Mr. XXXX 's letter 1
color 1
15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( AMERICAN EXPRESS. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX 1
we were passed around and hung up on each time besides the last 1
there are no ESCROW ACCOUNTING RECORDS from XXXX 1
XXXX is XXXX 1
NY 1
Inc XXXX License numbers XXXX 1
you are required to obtain verification and mail me the following withinXX/XX/XXXX days : Name and address of the original creditor Proof that you are legally licensed to collect in [ Your State ] ( license number required ) The complete payment history from the original creditor showing how the balance was calculated A copy of the signed agreement/contract bearing my signature Complete chain-of-title/assignment documents proving you own or have been assigned the right to collect this specific account If you can not provide all of the above 1
Credit Systems INTL 1
SPS sends out a letter that there are escrow shortages to increase rates. Which they know will force people into foreclosure so that they can get one lump sum and write it off on their books and collect that money. Or they simply lie and apply fees that are illegal. According to XXXX XXXX XXXX ( XXXX ) 1
I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB 1
Section XXXX 1
I received another notification of another derogatory item on my XXXX credit report. Upon review 1
{$450.00} 1
I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XX/XX/XXXX 1
and Equifax ) 1
but all my attempts failed. Experian they give two reasons to reject my applications of removing that card. First reason that Experian gave is that I didn't give enough materials that can prove myself 1
but the Court decided the debt was secured without requiring proof of claim 1
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ( partial for privacy ) Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX 1
and family and emotional stress 1
complaint # XXXX : XXXX 1
which TransUnion characterized as the results of its investigation. In this response ( which Plaintiff received on that date ) 1
and continuing through the current time 1
my current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE RESIDED HERE FOR 3 YEARS ( XX/XX/XXXX-XX/XX/XXXX ) YEARS All other addresses are not accurate. Please REMOVE/DELETE this address IMMEDIATELY : XXXX XXXX XXXX XXXX 1
including TILA and UCC 1
and immediately contacted my sending bank 1
a subpoena or any other documents that they can legally issue. They have to print and sign their own name. This is why when you see her name on a summons it is printed and not an actual signature. This makes sense for several reasons ( i ) in the First District located at XXXX XXXX XXXX 1
I submitted a dispute to Robinhood Credit Inc ( RCT ) regarding XXXX fraudulent transactions totaling {$5400.00} charged to my Robinhood Gold Credit Card account ending in XXXX. These transactions were made without my knowledge 1
I contacted General Mgr. ( XXXX XXXX ) 1
XXXX XXXX ( late payment XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX late payment ) 1
make an appointment online by XXXX XXXX 1
California 1
I have received no such verification or sufficient response. Instead 1
a series of withdrawals began on my card ending in XXXX : XX/XX/17 : {$400.00} ATM Withdrawal from XXXX XXXX in XXXX XXXX 1
{$1000.00} on XXXX 1
even though XXXX XXXX stated that they would deposit my post-dated check on XX/XX/2016 1
after I had already been making months of payments on it through GE Capital. The loan was then transferred to Sychrony financing in XX/XX/XXXX/XX/XX/XXXX. I had not logged into my account until XX/XX/XXXX 1
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
I resubmitted my complaint to Mr. Cooper via the customer service portal XX/XX/XXXX 1
which were full of false claims based on the fraudulent monthly statements manufactured by American Express. My complaint submitted to CFPB on XX/XX/XXXX 1
unverifiable information must be deleted 1
after receiving solicitations from Foreclosure Lawyers 1
the {$40.00} was never removed and it is accruing interest of {$2.00} each month. In XXXX XXXX XXXX 1
I will pursue all available legal remedies without further warning 1
I have suffered concrete injuries. I have fraudulent and inaccurate credit information defamatorily disseminated to third parties 1
Credit Management Services 1
automobiles 1
CashApp has randomly provided me with 20 different representatives. Every response is from a different representative who is looking at my case for the first time. I have provided the emails in my documentation but so far 1
and still 1
XXXX and there was no mention of foreclosure. I only found out when I called them on XXXX XXXX 1
I am a victim of identity theft 1
Portfolio Recovery incessantly robo-calls my cell phone from dozens of different numbers daily that are not from their corporate number 1
UT XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXXXXXX 1
XXXX XXXX. XXXX XXXX 1
I conducted additional research and was able to locate numerous other posted CFPB complaints from consumers who faced the same/similar issue with Wells Fargo ( the complaint numbers are : XXXX 1
I sent MOHELA a message that there was message was not clear and 1
I was very clear about my question to XXXX XXXX 1
which protects consumers from the consequences of identity theft 1
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX 1
the guarantor on the account 1
no refund was made 1
added in my income I was now into a forced poverty. I struggled too many times to make these payments and needed several breaks ''. I remember the first time I needed to decide if I was going to pay or be broke. I called and spoke to a rep. They said there was nothing they could do I did not have any money and I would still have been behind on payments. I was told there were no options available to me 1
Account Number : XXXX Account Name : XXXX XXXXXXXX 1
FL XXXX Employer : XXXX XXXX XXXX I hereby demand that Experian 1
XXXX XXXX XXXX XXXX is the country 's leading provider of non-bank financial services 1
its there fault! . Both refuse to help and have been displaying incredibly unprofessional and apathetic images for their companies. I have spent over 100 hours on this 1
which I have attached : Government-issued identification Social Security Card Recent utility bill or bank statement showing my correct address 3. Fraudulent Accounts The following accounts were opened without my authorization. I demand they be immediately blocked and deleted from my credit report : XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX. Fraudulent Inquiries The following unauthorized inquiries must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Incorrect Names and Addresses Incorrect Names : XXXX XXXX XXXX XXXX XXXX Correct Legal Name : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX 1
every month that XXXX XXXX XXXX has reported as negative to one of the credit reporting agencies 1
but she 1
I have the legal right to dispute any inaccurate 1
delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine 1
based on the above 1
fifteen minutes later 1
New ) : XX/XX/XXXX XXXXXXXX XXXX XXXX ( All Banks ) : XX/XX/XXXX XXXX XXXX XXXX ( Bank Credit Cards ) XXXX XX/XX/XXXX XXXXXXXX XXXX ( Bank Credit Cards ) : XX/XX/XXXX Under 15 U.S.C. 1681i 1
and there is no way these accounts belong to me. Please delete these unknown accounts from my credit report immediately : Account Number : XXXX XXXXXXXX XXXX 1
yet charges were posted to it afterward. Not only that 1
XXXX XXXX XXXX v. XXXX XXXX 1
you consented to the terms of the XXXX Credit Card Agreement 1
CONTRADICTORY 1
Section 609 ( a ) ( 1 ) ( A ) 1
a cybercriminal group by the name of XXXX posted a database entitled National Public Data on a dark web forum 1
the flight was cancelled for two days in XXXX. The typhoon then went to XXXX XXXX. Provided Penfed with the news 1
immediately : ExperianXXXX Aliases : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
contacting you about the above mentioned to request that the Motion for Clerks Default filed by Cavalry through XXXX 1
and spoke with a representative 1
in XXXX Georgia. XXXX was the document processor 1
there are other laws 1
I called Amazon to report Synchrony 's 1
I have spoken with XXXX 1
XXXX x XXXX XX/XX/XXXX 1
at XXXX XXXX XXXX 1
not realizing I would need them 1
I received another statement from SYNCHRONY BANK informing me that I owed {$140.00} by XX/XX/2023. I did not act on this information because I was assured by a customer service technician back on XX/XX/2023 from SYNCHRONY BANK that this matter had been resolved and the credit account had a XXXX balance. SYNCHRONY BANK took it upon themselves to open a new credit account in my name 1
NY XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX 1
and extensions to the original term may be offered upon discretion of Management. The customer may be required to provide a listing agreement and evidence that property is actively listing for sale. ****We were eligible 1
AMEX denied the claim 1
XXXX XXXX and XXXX XXXX XXXX My current ADDRESS is XXXX XXXX XXXX XXXX 1
2024 XXXX - XXXX XXXX 1
I received an email notifying me that my student loans had been transferred to CRI 1
Document # XXXX as XXXX defaulted on the mortgage loans in XX/XX/XXXX. The Trustees Sale occurred on XX/XX/XXXX in XXXX County 1
Transunion and XXXX ). As well as contacted XXXX XXXX XXXX 1
I had hung up on XXXX on XXXX/XXXX/15 1
originally submitted on XX/XX/year>. Despite providing valid proof of my identity 1
XX/XX/2019 1
I continued to receive harassment from the company with letters and statements demanding I take responsibility for this loan. Because of the harassment 1
XXXX emailed a report 1
but I did join and got {$2000.00} of cards. Then he asked me to go back to XXXX and try again. I used just different credit cards and the {$2000.00} went through. I was starting to feel afraid that I was not getting to save all my Wells Fargo Visa XXXX credit card money saved from the criminal trying to get all of my money. It was lunch 1
fraudulent addresses 1
though he could not give it me and reported that the branch manager is not a woman but a man. I waited to hear back from branch manager 1
and I did not get any bills from ( BOA ). No phones 1
FROM BOTH LOANS # XXXX 1
all subsequent filings are void ab initio. These filings constitute violations of Minnesota foreclosure statutes 1
as my TRUE name can be verified on my supporting documents identification : LIST ALL THE INACCURATE 1
the Fraudulent Credit Card charges to the card ending in XXXX 1
scammed out of my entire savings account. Today 1
FL XXXX XXXX telephone number XXXX XXXX XXXX 1
ending XXXX and XXXX 1
at XXXXXXXX XXXX on XX/XX/2023 1
they confirmed with Citi that they reached the spending requirement and that miles would be awarded within a few months 1
except under unusual circumstances 1
I obtained updated copies of my credit reports from XXXX 1
address 1
I have received communication indicating that I am late on payments. When I attempted to clarify that I am not delinquent 1
but the form stated interest was {$620.00} ) * XX/XX/XXXX : {$140000.00} ( + {$760.00} ) * XX/XX/XXXX : {$140000.00} ( + {$590.00} ) No documentation sent XXXX 1
I enrolled my credit accounts 1
I called AmEx roughly every XXXX days. Every time I contact them 1
these win-win '' partnerships can very much come at the cost of consumer purchasing power and choice as well as leave consumers reeling after being exploited through surreptitious policies that charge and collect interest and other fees. I hope that my experience can at the minimum lead to new policies and procedures at Synchrony Bank that safeguard and prioritize consumers. In the long-term 1
which are not associated with me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Employers The following employer entries are inaccurate and should be removed : XXXX XXXX XXXX 1
I have experienced numerous unauthorized debits from my account 1
XXXXXXXX XXXX XXXXXXXX XXXX XXXX 1
MA XXXX XXXX : Your File No.XXXX XX/XX/XXXX Please be advised that since my last communication with your office on XX/XX/XXXX ( see below in RED ) 1
XXXX ) : Date : XXXX XX/XX/XXXX Summary : XXXX acknowledged their inability to validate the debt and placed the account in restrictive status '' to prevent further collection attempts. Discrepancies in the amount owed remained unresolved. ( See CFPB XXXX XXXX. XXXX ). XXXX 's Continued Admission of Inability to Validate Debt ( XXXX XX/XX/XXXX ) : Date Filed : XXXX XX/XX/XXXX Filed As : CFPB XXXX Response Date : XXXX XX/XX/XXXX Response Summary : XXXX acknowledged their inability to validate the debt and placed the account in restrictive status '' to prevent further collection attempts. Discrepancies in the amount owed remained unresolved. ( See CFPB XXXX XXXX. XXXX ). Third Dispute Filed Date Filed : XXXX XX/XX/XXXX Filed As : CFPB XXXX Action : Filed a new indirect dispute through the CFPB web portal. Summary : I was not properly notified of a debt by XXXX XXXX XXXX ( XXXX '' ) 1
XXXX XXXX XXXX XXXX XXXX 1
{$28.00} 1
remove 1
TX XXXX XXXX XXXX XXXX XXXX XXXX 1
including evidence bearing my signature 1
Account Number XXXX Issue : The payment history contains inaccurate collections statuses 1
Experian has sent me multiple credit reports recentlyon XX/XX/XXXX 1
GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 1
Navient has been found to have pushed former students toward forbearance rather than income based payments plans or deferment 1
Section 604a2 1
CA ) 1
I was told that my account was closed by Schwab 1
when I discovered all this stuff that Truist had done 1
XXXX and XXXX to remove the following accounts ( listed below ) from my report if they did not provide me documents or validation of the debt. The company has failed to remove any account and responded back as verifed accounts ''. Therefore 1
XXXX GA XXXX EQUIFAX Fraudulent Accounts : Account Name : XXXX XXXX XXXX Account # XXXX Date Open:XX/XX/XXXX Account Balance : {$63.00} Account Name : XXXXXX/XX/XXXXXXXX Account XXXX : XXXX Date Open:XX/XX/XXXX Account Balance : {$1900.00} Account Name : XXXX XXXXXXXX XXXX Account # XXXX Date : XX/XX/XXXX Account Balance : {$78.00} Account Name : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Account Balance : several different amounts and past due amount ... unsure of the amount Account Name : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Account Balance : Has inaccurate information regarding late payments from XXXX XXXX Account Name : U.S. Dept of ED/ XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX ( several different dates ) Account Balance : {$4300.00} // {$7300.00} // {$4000.00} // {$5700.00} // {$3900.00} ( several different amounts ) Equifax fraudulent addresses : XXXX XXXX XXXX XXXX 1
lies 1
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address : XXXX XXXX XXXX 1
/XXXX ; XXXX XXXX XXXX XXXX ; XXXX ; XXXX ; XXXX XXXX 1
Monday 1
your side does not have to activate ; therefore 1
but it was automatic 1
Case Manager 1
Im a XXXX and I am a very successful XXXX XXXX. I have brought nothing but legitimate checks from various businesses 1
which are not associated with me : XXXX XXXXXX/XX/XXXXXXXX 1
scheduled to remain until XX/XX/XXXX XXXX XXXX : {$470.00} collection 1
I have worked in the XXXX for over a year several years ago now 1
destroying my means to earning an income by damaging my credit 1
I contacted Colorado Housing and Finance Authority ( CHFA ) 1
and XXXX virus. I was glad to have someone help me rid of this on my phone. The representative then added new apps and set up accounts including : XXXX XXXX 1
they are refusing to qualify you for the XXXX XXXX program as a 1099 XXXX XXXX issued from your Corporation business bank account funds. You must have a XXXX XXXX XXXX bank account '' 1
I was charged a maintenance fee of {$12.00} 1
sign 1
I called the fraud department and spoke to another gentleman 1
XXXX XXXX XXXX had intentionally changed his or her legal full name ; in order to match 1
I request the following resolutions to my complaint : 1. Demand Bank of America to comply with my opt-out directive 1
I have found that there are multiple child support accounts that are currently listed on my report. However 1
607 ( a ) 1
my first student loan provider 1
XXXX XXXX XXXX and XXXX XXXX XXXX ). My current and only address is XXXX XXXX XXXX XXXX 1
and new accounts ( business and personal ) and credit card were open. This was on XXXX of XXXX 1
here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 1
I have continuously submitted disputes to XXXX 1
XX/XX/2024 1
on Monday 1
Covering XXXX XXXX XXXX XXXX XXXX XXXX XXXX The letter states XXXX XXXX 1
send in my banking statements for the same amount of time and work on getting a police report made for the fraud. Discover will have to reverse the investigator 's decision once you provide that you did not collect any of the funds from the fraudulent charges. I send all of that in 1
insisting that my debt is private and therefore not covered under Covid relief. When I complained 1
( XXXX 1
inquiries and addresses listed which incorrectly appears on my credit report that needs to be removed and blocked from my credit report : For XXXX : XXXX : {$290.00} XXXX XXXX : {$300.00} - Account : XXXX Credit Cards : XXXX XXXXXXXX 1
you are required to block and remove all information resulting from identity theft within XXXX business days of receiving this notice. Incorrect Personal Info : Names : XXXX XXXX XXXX 1
prepared by XXXX XXXX XXXX and executed on XX/XX/XXXX 1
XXXX informed us that the lender had additional questions for the appraiser to address. XXXX notified the appraiser 1
such as a dealer 1
Verisk company 's response to my complaint as well from CFPB that I should referred my complaint to TransUnion as the purchaser of XXXX. Verisk stated they no longer own or control XXXX and they no longer report bankruptcy/credit info to CRAs through XXXX. Additionally 1
I found out that Trans Union has similar product offerings as that of Equifax 's XXXX XXXX XXXX. More specifically 1
XXXX 16. The following personal information is incorrect Account Number : Former : XXXX 1
THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXXXXXX - Under XXXX XXXX XXXX - permissible XXXX of consumer reports 1
I provided it. The buyer accused me of lying about the warranty 1
which BoA has on record. It is not even an attempt to write my name 1
which are not actually comparable to mine 1
XXXX. As of XX/XX/XXXX 1
you are hereby notified that any reading 1
XXXX XXXX Re : Discover card account ending in : XXXX Consumer Financial Protection Bureau Case Nos. : XXXX and XXXX Dear XXXX XXXX XXXX : Thank you for your recent correspondence to the Consumer Financial Protection Bureau. To ensure your concerns are handled with priority 1
ch. 645 1
regardless of the reason for a loan transfer 1
I believe 1
in response to Complainants XX/XX/XXXX direct dispute under 12 C.F.R. 1022.43 1
ALL Parties belong to the CFPB Case No. ( s ) XXXX 1
during the first or second week of the month 1
is that when I wasn't paying I rarely 1
it looks like we are still waiting on the title work to come back and I dont think I saw the below from XXXX XXXX last email : Here is a list of items needed from your new GC : Copy of MA GC license Evidence GC has been in this line of business for 2+ years ( may reflect on the license ) Completed/Signed/Dated XXXX Certificate of Liability to include : o Description of Operations to reflect : XXXX XXXX XXXX XXXX XXXX 1
NC 1
I made a good-faith attempt to obtain documentation regarding my original disbursements 1
XXXX having still not received a response I contacted SLS again 1
CA XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 1
whether oral or recorded 1
pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address 1
Experian : XXXX XXXX Bankruptcy 1
including an affidavit that needed to be notarized 1
but she said it came in from XXXX 1
on or about XX/XX/2019 1
it was discovered that there were discrepancies in the accounting methods of Bank of America during my Making Home Affordable loan modification in XXXX. In my modification 1
I request the following resolutions to my complaint : 1. Demand American Express to comply with my opt-out directive 1
I have a witness to the conversation with the GM at which time he said he was so sorry '' that the business manager told me I had to have the products to get a loan. That contract should have been re written immediately. XXXX XXXX ( GM ) clearly encourages employees to commit fraud. In addition 1
XXXX XXXX XXXX ( never lived there ) Please delete XXXX XXXX XXXX XXXX XXXX ( not my address ) Please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
Inc is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : In general 1
I followed up with the claims department. They had no record of my claim with Ms XXXX 1
the Consumer Financial Protection Bureau. As a counter response I agree to : 1. First payment of {$50.00} due XXXX XXXX rather than XXXX XXXX as I was not notified of the acceptance of this payment arrangement in a timely enough fashion to have it begin in XXXX. XXXX. Interest continues to be halted and not accruing which means my interest free balance is actually 1
reported information 1
only my name has been listed with his company for collection. I immediately respond back to the letter. I wrote stating that I moved out of the property I rented at : 1 XXXX XXXX XXXX 1
and XXXX provided information showing that the order had been fulfilled and supplied details regarding the purchase. Citibank subsequently forwarded me ( XXXX ) containing the information provided by XXXX regarding the order. Upon reviewing page XXXX 1
you are required to comply. My Employer is XXXX XXXX. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX XXXX XXXX 1
continuing to report this invalid debt after receiving this dispute will be considered willful non-compliance 1
XXXX XXXX XXXX XXXX XXXX Balance : - 1
'' but then PayPal ( XXXX ) slapped a transfer fee of XXXX XXXX upon arrival. That is MISLEADING!!! PayPal and its partner XXXX '' misled customers to believe that there is NO transfer fee at all 1
adjusted lease balance 1
My Wyndham Rewards Visa credit card issued by Barclays Bank was recommended to me by my Timeshare company 1
XXXX XXXX XXXX sent copy of receipt as proof '' money was due on XXXX XXXX and XXXX XXXX purchases 1
my husband 1
of a mortgage increase from {$1500.00} to {$1700.00} 1
I have identified several accounts that contain erroneous information : Bridgecrest XXXX XXXX XXXX 1
I fell behind on my Mortgage payments 1
and they refused to furnish me any information whatsoever 1
I tried contacting : XXXX 1
XXXX. Please see below : XXXX XXXX XXXX XXXX 1
the person to whom you addressed your letter 1
XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Credit Card # : XXXX XXXX XXXX Department Fax # : XXXX Dispute # : XXXX To Whom it May Concern : XXXX XXXX Department Today I spoke with XXXX in Barclays Dispute Department at XXXX. I told XXXX in Barclays Dispute Department about the letter I received from Barclays Dispute Department. The letter told me that Barclays Dispute Department can not help me until I return the item. I have called XXXX XXXX XXXX XXXX XXXX times asking to return the item. Since the item did not work 1
and create a different cancellation recorded document in XXXX XXXX in XXXX 1
a statement is not an invoice 1
manipulating and coercing me throughout the multi-week operation 1
My address is XXXX XXXX XXXX XXXX 1
XXXX This personal information is incorrect : Also Known As : XXXX XXXX - Equifax 1
I am prepared to sue for non-compliance under section XXXX of the FCRA. It is my right to seek a legal and possible financial remedy since they wont follow the rules and guidelines established by law. Im currently preparing my intent to sue letter if my complaint with the XXXX XXXX XXXX does not resolve these inaccuracies. Im aware if they dont comply with the FCRA 1
I discovered that certain accounts were incorrectly marked as late 1
innapropriate 1
the now about the phone calls I received to redo modification papers 6 months later 1
so I gave him ( XXXX ) 1
engaged in illegal and unethical conduct of impersonating a debt collection attorney for months and when she was caught with her lies exposed and confronted by questions about the frivolous debt claims owed by me 1
Wells Fargo mistakenly detected a problem in my address when I first tried to open an Everyday Checking Account on XXXX XXXX 1
XXXX XXXX <XXXX> date : XX/XX/XXXX 1
we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency 1
no one called or wrote me until XXXX when a male representative from XXXX began calling and left a message for me to contact his office to set up payment arrangements. Shortly after 1
TX XXXX This letter is regarding XXXX XXXX XXXX XXXX XXXX Case Number : XXXX and Im providing the court case number due to the fact that this company never sent me anything in the mail or any form of communication so all I have is a case number 1
Transaction ID : XXXX Amount : {$330.00} 1
Equifax is required to conduct a reasonable reinvestigation of disputed information. In XXXX XXXX XXXX XXXX XXXX 1
XXXX XXXX reports this same closed / cancelled credit card account as having been Charged-Off '' in XXXX 1
XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX 1
my credit report incorrectly lists several past or unrelated addresses that should not be associated with me 1
XXXX XXXX XXXX Qickenloans 1
coordination of parties 1
I ask that Midland Credit Management be required to provide full validation of the debt ( original signed contract 1
XXXX 2013 1
but they had added property maintenance charges of XXXX 1
XXXX autozone deposit 1
housing stability 1
which said they were calling to touch bases with me. I called them back 1
including my FTC Identity Theft Affidavit and a police report filed with the XXXX XXXX Police Department for identity theft 1
I did an investigation on my credit report with Experian and I found unverifiable 1
please 1
and they apologized for the clerical error. I immediately issued a credit card payment to resolve the debt and requested them to close the account and have it deleted from my credit report. For the past six years 1
made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting verification '' that is competent evidence bearing my signature 1
this law is null and no sense of privacy is in place. I asked to return them 1
here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXX 1
the answer was no at first. After probing and speaking to various departments over an hour on the phone 1
I was neither informed nor advised directly by ACA regarding critical contract terms 1
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed : XXXX XXXX XXXX XXXX XXXX 1
we attempted a loan modification. XXXX informed me that they were only working with customers who were at least 90 days delinquent on their mortgages. Because we desperately needed a lower interest rate 1
they said my ID was accepted. They transferred me to there fraud department 1
I discovered charge-offs being reported inaccurately month after month. The details are as follows : 1. **Charge-Off Account** : XXXX XXXX **Date reportings Charge-Off** : XX/XX/XXXX 1
Credit reporting info is sensitive data. The issues of ACCURACY AND COMPLETENESS of abstracts AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; CREDIT GRANTOR PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting .... Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTAINENCE of ACCURATE credit data can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND XXXX STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again 1
and they violated my rights numerous of times and I demand the accounts listed below to be removed because ; According to 15 USC 1681 1
XXXX XXXX XXXXXXXX 1
I have improved my credit with my various creditors. Paid on time 1
XXXX Balance : {$0.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX 1
civil or otherwise 1
with an allowed rate of XXXX [ XXXX ACH error ]. The XXXX ACH payments error rate was XXXX ( XXXX ACH errors ) Suppose Consumer is accurate at 98 % rate. Suppose Consumer Bank is accurate at ACH rate. This creates a probability across XXXX payments of all three actors ( assuming independence of events ) not making two missed payments across XXXX payments of about 19 % -- so Citibank makes loan assistance plans a Casino game - with winning odds for Citibank! Unlawful set-up & cancelling of consumer work-out plans across millions of credit accounts disposed of would benefit Citibank 1
XXXXLate/Closed-V/N DEPT OF ED/XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 1
NOT LAON AGREEMENT NOT SALE AGREEMENT. THE RESELLING OF MY CREDIT APPLICATION DOES NOT SUFFICE AS A VALID '' DEBT '' BY WILLFUL FRAUD AND COPYRIGHT INFRINGEMENT FROM A NAME IN TRADE. I HAVE REQUEST ALL PAYMENTs MADE TO XXXX be refunded to me the consumer. DUE TO THE BREACH OF PERFORMANCE AND FRAUDULENT REPORTING OF MY CONSUMER REPROT AND PRIATE INFORMATION. 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX 1
we 1
XXXX called to explain USAAs fraud determination. He provided that the transactions in question were in fact from unknown IP address and locations other than XXXX 1
although our new address was included in our 60 day notice 1
cheat 1
I attended XXXX from XXXX. The recruiter sat in my living room after I said for the third time I needed to process everything before filling out the FAFSA and said 1
XXXX RI XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXn : P.O. XXXX XXXX XXXX 1
nor did I ever receive email notifications that an online statement was now available. ***After investigating on my own- I later find out from multiple customer support agents at Citi 1
sales tax is generally not charged on a lease turn-in fee 1
we were summoned to court by our rental property tenant over a leaking bay window 1
XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) 1
EWS reinserted multiple previously blocked accounts and inquiries 1
I have the right to privacy. I did not provide Experian 1
But I have been traveling and not able to reach anyone during hours that work my schedule Customer service had no interest in resolving the matter and even on occasion given me an address which XXXX XXXX 1
I called Citi because I received a letter in which the promotional balance transfer terms were incorrect ; instead of applying the aforementioned promotion 1
you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian 1
I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 1
XXXX Bank XXXX 1
I received a bill for {$5200.00} from Certified Credit & Collection in XXXX XXXX 1
at ( XXXX ) XXXX 1
{$230.00} XXXX XXXX XXXX XXXX 1
collection 1
yet the issue continued to persist. As of XX/XX/XXXX 1
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition 1
I also found an email address online 1
FL XXXX Employer : XXXX XXXX XXXXXXXX I hereby demand that XXXX 1
as the debt collector 1
the trading platform XXXX designated a BOFA account holder as the acceptor 1
needs to be removed. My name is XXXX XXXX XXXX. Fraudulent Addresses : A. XXXX. Never lived here B. XXXX. Never lived here C. XXXX. Never lived here D. 16 XXXX. Never lived here 3. Fraudulent Telephone Numbers : XXXX 1
TU 1
she told me her system was showing her nothing 1
Chase falsely stated that the merchant issued credits on their own on XX/XX/year> 1
they have neither disputed or controverted it 1
I sit down to compile my XXXX tax documents and find USAA has done the same thing. I only have half of my XXXX USAA VISA credit card statements 1
Im preparing for the trial on XX/XX/XXXX 1
the payment history for XXXX XXXX on Experians report is irregular and unexplained. XXXX has failed to provide any verifiable justification for the non-standard sequence of late payments. Payment histories should follow a standard pattern of XXXX 1
and a customer service rep said that there is no update on the file 1
I was deprived of $ XXXX during the months of XXXX 1
Wells Fargo 1
I had not received any correspondence from the mortgage company so I went to the website. I discovered they had deactivated my account! I had to reactivate it using a new username. Once I did this 1
my second checking account and my second credit card keep open or activated with some debit and balance on it. The bank never closes those products or take the money off from my account to pay this with credit card and after XXXX periods XXXX 1
the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 1
NC XXXX. Any other listed addresses are incorrect and must be removed 1
but they are not responding to reimbursing my funds. As this dispute falls under the Visa Charge-back policy XXXX XXXX 1
on XX/XX/XXXX I sent letters and e-mail to : - Volvo Car Financial Services 1
I have a conference call with our colleagues in XXXX. Its Sunday evening here but Monday morning in XXXX. I had to work about 60 hours last week. I got a very good review. But it will last only if I keep working hard ( its a 6-month contract that was just renewed ) and concentrating on my work. Being a XXXX XXXX ( and I am not an MD or PhD ) is hard work and Ive been out of school for about 40 years. Now 1
XXXX XXXX XXXX # XXXX 1
illegal 1
violations could implicate constitutional protections 1
I called several times the Account Takeover Dept 1
I called again the department where I was able to speak with Banker XXXX XXXX? ) who said she will reopen investigation of the charges that were denied but I was to fax documentary evidence proving my claim. Because no fax machine is available where I live 1
other structures of {$72000.00} 1
XXXX XXXX Have questions? Visit our Help Center Temporary hold card image XXXX ending in XXXX {$73.00} Released within XXXX business days XXXX items canceled Sold by XXXX item image XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXX 1
a debt collector such as XXXX XXXX XXXX 1
by delaying approving or denying borrower applications 1
I went to my Wells Fargo home branch Spoke with XXXX XXXX 1
Police Report 1
Michigan XXXX XXXX # XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX 1
XXXX XXXX XXXX XXXX owns part of XXXX XXXX XXXX ) is reporting a lot of inaccurate information. After I filed a complaint with the Attorney General due to deceptive practices ; XXXX closed the account ; with a date of last activity- XX/XX/XXXX ; and a charge-off date of XX/XX/XXXX. However 1
and not just a debt collector but a purchaser of this alleged debt from the original debt collector you understand that you initially violated my rights once you 1
which TOYOTA MOTOR CORP. Indenture Agreement states compliance with 1
XXXX provided me a loaner vehicle. Over the next XXXX weeks 1
steeped in inconsistency and lies. They claim to be working on my case ( e.g. 1
we received a new notification informing us of the approval 1
upon receiving my consumer report from Early Warning 1
is being the consumer reporting agency 1
ARE WAS STOLEN AT XXXX XXXX 1
It seems that I have been discriminated against by Truist bank. It has come to my attention that they requested information from non-affiliate parties to gather not only my nonpublic personal information but also confidential information on me. This information went as far as my banking transactions from another financial institution ( XXXX XXXX XXXX ). When in contact with an XXXX supervisor they confirmed that Truist Bank has requested such information on me after opening my business account with them. Once I received such notice that my account closed I drove to the branch at Truist Bank on XX/XX/XXXX 1
I continued to speak and work with The City of XXXX Tax Dept 1
they told me my XX/XX/XXXX application was rejected 1
you are required to comply with the requirements imposed under the FCRA 1
a Notice of Intent to File Forcible Entry and XXXX was given to XXXX of my family members as she entered the property listing XXXX DENSMORE AVE. XXXX 1
I was unaware of the gravity of this situation and the legal implications it entailed. I was led to believe that my role was merely to assist in a clerical error or qualification hurdle due to XXXX XXXX XXXX XXXX employment status. I was assured that this loan would be transferred to her within XXXX weeks 1
OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1
Acct XXXX 's XXXX 1
we tried to refinance our home with RP Funding 1
Experian only updated '' the files without in proof of the above. I have requested the above information to ensure the information that was reported was legal and accurate. Other bureaus could not seem to find the documents 1
Section 604 ( a ) ( 2 ) of 15 USC 1681 states that In general 1
XX/XX/2020 at XXXX XXXX Delivered 1
under XXXX XXXX. XXXX 1
I am disputing the hard inquiries from XXXX Miscellaneous Department XXXX XX/XX/XXXX ) and XXXX XXXX XXXX ( XX/XX/XXXX XXXX. I did not apply for credit with these companies 1
however has advised XXXX of Ms. XXXX XXXX continued dispute. Pursuant to the account recall 1
outdated 1
and therefore are not usable for any kind of communication. On XX/XX/XXXX 1
XXXXXXXX XXXX # XXXX 1
40 1
& XXXX and spoke with another Account Manager 1
XXXX under the Dept of Justice National Home Mortgage Settlement review ( pls see detailed DIARY LOG ). But on XXXX XXXX 1
and proceeded online to attempt to make XXXX quarterly assessment payments at once. I was blocked from XXXX XXXX online bill pay. I called regarding my account and was sent to voicemail. Several days later I received a Notice of Lien filed against my home in XXXX XXXX 1
but it was not 1
negative findings 1
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 1
it does not make sense that we would be expected to now make an even higher payment. To address this we very quickly applied for another home modification. We went through the whole process yet again and were turned down again in XXXX. I continued to make the regular payment as the new higher payment had not yet gone into effect 1
I was not informed of any specific violations 1
Service Request Number at Direct Express # XXXX : On XX/XX/year> 1
including any application 1
LLC . Complaints of this nature are very serious and are not taken lightly. Upon reviewing the relevant call recordings we found that the convenience fees applied on the transactions in question were authorized by the consumer 1
XXXX after exhausting all efforts to contend with Wells Fargo on her own. A fresh loan modification package was submitted on XXXX XXXX 1
the property was owned by XXXX XXXX XXXX and XXXX XXXX XXXX. a Under The federal Garn-St. Germain Depository Institutions Act of 1982 ( Garn Act ) the property was sold to the XXXX XXXX XXXX and where THE XXXX XXXX XXXX AND ITS HOMESTEAD EXEMPTION WAS RECORDED BY XXXX XXXX PROPERTY APPRAISERS OFFICE 1
and I was not satisfied with the answers that I received because they were different. The first answer I received was that Experian does not recognize authorized users ' accounts even though the website has pervasive literature and instructions on becoming an authorized user. It lists that strategy as a means of boosting one 's credit score. The second answer I received from Experian is that because the XXXXXXXX XXXX card was opened in XXXX and not reported on my credit file immediately 1
XXXX XXXX forwarded message : From : XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EDT To : XXXX 1
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1
apply for 1
I wired two checks 1
on XX/XX/2019 I received notice from the collection agency 1
Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX 1
TX XXXX 1
Severe Financial Harm 1
XXXX '' Evidence submitted is as follows : Hello 1
we hired the following company to assist us with a FHA loan : XXXX XXXX 1
to say the least 1
I am disputing the following Authorized User accounts 1
XXXX XXXX Incorrect Name : - XXXX XXXX 1
my attempts to seek resolution and follow up on my dispute have been met with utter disdain and disrespect from the bank 's representatives. Every time I reach out for assistance 1
yet Jefferson Capital continues to report it as accurate. Their failure to verify 1
If XXXX denies my request for a modification today XX/XX/XXXX 1
Congress underscores the importance of accuracy and fairness in credit reporting 1
a subpoena or any other documents that they can legally issue. They have to print and sign their own name. This is why when you see her name on a summons it is printed and not an actual signature. This makes sense for several reasons ( i ) in the XXXX XXXX located at XXXX XXXX XXXX 1
XXXX $ XXXXAcc # XXXX {$3200.00} XXXX XXXX 1
XXXX XXXX ( 4 days ago ) to me to XXXX 1
GA 1
I would like to report that Transunion and the other credit reporting agencies are aware of my data/identity being stolen in the past. XXXX XXXX and XXXX has recently contacted me that my person data/identity has been breached/compromised again 1
Names 1
XXXX Fax Confirmation 1
former employe of XXXX. he scrolled down his screen and had me sign each page. This was my first car as nervous and clueless as I was. Nothing was ever explained to me and when I asked a question I was told it's information no one reads.. Only finding out two months ago that My XXXX XXXX dollar down payment was never subtracted from the total financed amount. Which is a requirement pursuant to 15 U.S. Code 1638 ( 2 ) ( iii ) Instead XXXX XXXX 1
I made numerous calls to Bank of America 1
I started trying to get the tanning membership removed from my account 1
just days before the semester began 1
New XXXX XXXX XXXX XXXX 1
the debt has increased 1
I called Lexis Nexis twice-to dispute the items on my Reported Claim History For RISK. Attached 1
stating that I had not submitted the necessary information for identity verification 1
in XXXX of XXXX 1
ACCOUNT CLOSED AT CREDIT GRANTOR 'S REQUEST XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} XXXX {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX History : XX/XX/XXXX ; XXXX -- -- -- -- XXXX -- -- -- Late Dates : LAST LATE DATE XX/XX/XXXX ( See status ) 1
I noted in our conversation 1
the following day he called me at XXXX and proceeded to tell me that there was an issue 1
I leased a XXXX XXXX and paid it to term. Upon returning the car 1
I again wrote to Experian 1
INC. 1
LLC located in XXXX Illinois at XXXX XXXX XXXX XXXX # XXXX 1
and again on XX/XX/XXXX 1
new negative remarks appeared. The most glaring example is the XXXX account 1
including but not limited to : All debits and credits 1
XXXX XXXX XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX 1
again detailing the unauthorized nature of the transaction and requesting resolution. I followed up again on XX/XX/2023 1
to again 1
as applicable; and ( XXXX ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode 1
a credit card account opened in XX/XX/XXXX with a current balance of {$7100.00} 1
I contacted Chases Executive Office 1
I received a XXXX deposit of {$160.00} from an individual named 1
the collections company needs to also put that I paid my rent on time 1
final credits 1
on or about XX/XX/XXXX 1
and shows that multiple third-party entities ( including U.S. Postal Service 1
CA XXXX I also have several incorrect spelling of my name names that I've never used and addresses that are incorrect that I am also listing below. The addresses and names listed below are incorrect 1
XXXX and XXXX to see if this was on all my accounts and it was under XXXX at XXXX on Equifax 1
this account is paid and closed 1
Experian XX/XX/XXXX 1
I was called by a Well Fargo Dealer Services employee 1
returns funds 1
LA XXXX WESTLAKE FINANCIAL SVCS XXXX XXXX XXXX XXXX XXXX 1
and its reporting by not reflecting that we would be shown has LATE on our Mortgage while we were within the Legal Limits. And Guidelines of that XXXX XXXX XXXX. No matter what happens 1
I am that I am 1
that as a consumer 1
roughly around XXXX XXXX 1
2015 1
legal 1
They charged the intrest again even though I paid in full for the standard purchase. They said they have to charge interest until I repay whole balance including the balance transfer which interest should not be charged until XXXX 1
through XX/XX/XXXX 1
XXXX XXXX [ Attachment : Banking Commissioner Enforcement File ] Temporary Order to Cease and Desist 1
ILLINOIS XXXX Re : Misrepresented instrument - bill of attainder/ foreign bill of exchange styled as account/ folio number ( XXXX ) 1
I call NetSpend as requested 1
XXXX XXXX XXXX ) 1
as established in XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX 1
as I have XXXX siblings 1
state 1
inconvenience 1
XXXX XXXX. XXXX. at XXXX ( holding that the drastic remedy of deeming a judgment void because it was obtained by a non-lawyer was called for by [ t ] he totality of the circumstances 1
with the shortage of {$1000.00} demanded in late XX/XX/XXXX. Since we know escrow was {$11000.00} overfunded only 22 months ago 1
9 % is criminal and you know it 1
XXXX proof of payment - XX/XX/XXXX- XX/XX/XXXX : XXXX complete XXXX ( XXXX years 1
I have been paying on this student loan since XX/XX/XXXX. On XXXX XXXX 1
wasting at least a half hour per call ( during my work time ) trying to resolve the issue. I kept a few names of telephone operators : XXXX 1
MS XXXX Deer XXXX XXXX 1
VA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance {$870.00} Balance Updated - Credit Limit {$1200.00} Past Due Amount {$870.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX 1
INC XXXX AND I.C. SYSTEM 1
60-day 1
to discuss this letter 1
GA XXXX XXXX XXXX XXXX XXXX 1
both TransUnion and XXXX are reporting a previous address XXXXXXXX XXXX XXXX XXXX XXXXXXXX 1
XXXX XXXX XX/XX/2023 1
to initiate an ACH transfer from a cardholders account to a demand deposit account with another financial institution 1
mi 1
transferred from XXXX XXXX XXXX 1
however 1
services 1
with individual amounts as follows : XXXX 1
IN XXXX 1
XXXX ( XX/XX/XXXX ) 1
XXXX XXXX XXXX will pay only on legal fees {>= $1 1
addresses and telephone numbers XXXX XXXX XXXX XXXX XXXX XXXX 1
Section 604 ( a ) ( 2 ) 1
I am disputing the timing of the report and how it is presented on my credit report. The reporting agency 1
Tx XXXX XXXX XXXX XXXX ( Home ). XXXX : XXXX ( Mobile ) Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX XXXX 1
even though it was not one. They said they did not care and could put whatever they wanted on my credit report 1
and I would like for you to do the same here. I am a XXXX veteran and I do not need undue stress 1
( 1 ) you must acquire a new Netspend Prepaid Card or Netspend Debit Account 1
secondary ID 1
says it takes them about XXXX weeks to received a fax. I called and still no update. So 1
AC # XXXX 1
and will send me some codes and repeat them to him. Those nrs where 1
XX/XX/XXXX Inquiry : XXXX XXXX 1
my loan at EdFinancial began accruing interest on XXXX XX/XX/2023. Throughout the period from XXXX XX/XX/2023 to XXXX XX/XX/2023 1
which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX 1
which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual 1
account paid demanding more and more money. Balance neve changes. related to : CORPORATE ASSIGNMENT OF MORTGAGE Recording Requested By : XXXX XXXX XXXX When Recorded Mail To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
XXXX XXXXXXXX XXXX 1
CO XXXX Phone : ( XXXX ) XXXXXXXX XXXX XXXXXXXX Address : XXXX XXXX XXXXXXXX 1
My address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my ID and all my identifying documentation. I have never lived at those previous addresses 1
I was notified that they placed the account on my credit report in XXXX 1
2 and 3 listed instead of just lot 3 as on original loan ) and I promptly notified FS and they said they would fix it asap On XXXX 1
but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct 1
TX XXXX Re : Dispute of Charge-Off Accounts on Credit Report Dear XXXX 1
THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX/DOFED - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports 1
XXXX XXXX XXXX. After multiple calls 1
I was advised by a representative not to make any payments while the death benefit claim was being processed. Following their guidance 1
with a new legal representative 1
NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
were made on time and were received by LoanCare ( See attached proof of payment # XXXX ). LoanCare failed to credit me for my account # XXXX 1
Uniform Commercial Code ( UCC ) Article IX 1
I received a credit report addressed to me 1
gift cards 1
while still reflecting escalating late payments after closure and payoff Different delinquency patterns for the same account depending on the credit report reviewed These contradictions demonstrate that the information is not being reported accurately 1
and submitting all requested documentation 1
LA XXXX www.chase.com Again 1
Please also let me know how interest rate is decided 1
XX/XX/XXXX at XXXX XXXX XXXX 1
I called XXXX XXXX twice-to dispute the items on my Reported Claim History For RISK. Attached 1
but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans 1
unethical and unjust to expect an individual 1
CALIFORNIA ; XXXX XXXX XXXX 1
the letter did not say that I have the right to reinstate. XXXX 1
I refile the disputes with XXXX. Im adamant trying to verify that there should be 14 charges that total {$620.00}. XXXX was having an issue filing the disputes and instead of filing 2 disputes ( one with 9 transactions 1
three additional cashiers checks were issued ( Check Nos. XXXX ) in the amounts of {$6800.00} 1
by law 1
I received an email from Sendwave claiming the funds had been deposited into my recipients account. However 1
XXXX XXXX ENCLOSED ARE THE FOLLOWING XXXX DOCUMENTS THAT VERIFY MY IDENTITY ID/Driver License Social Security Card EXHIBIT A I hereby dispute these records and request the following items be thoroughly investigated and deleted from my consumer report 1
calls and document submissions to have it removed. The CPI is XXXX excuse for reporting my loan XXXX days late. The CPI has since been refunded and the actual refund date was the same as the start date of the CPI. I am submitting a screenshot which shows the dates were the same. However 1
CA 1
I mistakenly opened disputes with my credit card issuer 1
on XX/XX/XXXX XXXX XXXX I received the transaction invoices from Chase for the two disputed charges 1
the [ pooling and servicing agreement ] and IRS tax code provisions require that the mortgages be transferred to the trust within a certain time frame 1
including those starting with XXXX 1
XX/XX/XXXXXXXX Original Creditor : XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/2019 1
correction notice 1
LLC 's violations of the Fair Credit Reporting Act sections 15 U.S.C. 1681e ( b ) ( 2 ) 1
then with XXXX and after pay i am struggling to get my money back they themselves i did the calculations of those i have used including XXXX and after pay and i have XXXX dollars left that i have not yet been credited to my credit card account which ends in XXXX because i paid XXXX XXXX dollars on this card without having even a month with it i am very responsible with payments 1
a void contract 1
we have removed the dispute remarks appearing on the two XXXX XXXX accounts 1
most of the disputed transactions which I was denied credit for were XXXX related and used names related to established vendors 1
I took an XXXX to the post office and picked up my mail 1
whether implied 1
and I previously received consistent communication directly from the Department of Education regarding my student loan status. I received no electronic or mailed delinquency warnings or adverse credit reporting notice from EdFinancial despite having an active authorized email on file 1
since it was never done please investigate this account thoroughly. If you had investigated it completely 1
I concluded that they did not provide the contracted services and I disputed the charges with Chase. Over the next several months in XXXX 1
address of XXXX XXXX XXXX 1
no letter or anything to explain the situation. They keep Garnishing my wages after all this time 1
but the Dispute with XXXX XXXX was resolved in my favor on a XXXX Credit Card Account that I was told would be CLOSED 1
and well as a certification of compliance with the heightened responsibilities on the required submission of any documentation provided by a Mississippi consumer 1
XXXX XXXX XXXX payments ) These XXXX payments are not being counted 1
FL XXXX Employer : XXXX XXXX XXXX I hereby demand that XXXX 1
I respectfully request that LVNV Funding LLC immediately cease all collection activities related to this alleged debt until proper validation is provided. I also ask that they produce all documentation tied to this debt 1
XXXX Inquiry date : XXXX XXXX 1
Suntrust is not following its own policies. The tellers did not notify me even when I asked them ; customer service did not notify me even when I asked them ; and the branch manager did not notify on XX/XX/XXXX 1
Validation of Debts. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Second 1
I discovered my account was still marked as repossessed. I immediately contacted Credit Acceptance on XX/XX/year> 1
XXXX XXXX forwarded message : From : XXXX XXXX Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX 1
unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof 1
Article 3 1
'In-store ' 1
Letter Sent To Remove Late Payment 1
XXXX via phone with my debit card. Bank of America would not allow XXXX to accept any more payments from me. I have the funds to pay my mortgage. I have been trying since XXXX XXXX through XXXX XXXX but XXXX refused to accept payments. As of today 1
inspectors 1
EXPERIAN XXXX XXXX 1
which is not associated with me. Furthermore 1
Utilities 1
I have disputed this collection account with all three credit bureaus and ERC has not provided any information 1
as contemplated by the act of congress evidenced and restated at 8 U.S.C 1101 ( a ) ( 2 ). Affiant is aware and knows that the U.S. bankruptcy is verified in Senate Report No. XXXX XXXX. Congress 1
which they did. However when I asked how the fraudster was able to open accounts with their bank without proper Consumer Identification Due Diligence policies being followed according to BSA/AML laws 1
I contacted XXXX XXXX to submit a fraud complaint regarding three charges on XX/XX/XXXX 1
TX XXXX My Employer is inaccurate and/or fraudulent : XXXX XXXX XXXXXXXX 1
XXXX XXXX SC XXXX Phone number : ( XXXX ) XXXX Creditor : XXXX XXXX Account Statement : Exceptional payment history Current Balance : {$2000.00} Account Status : Closed Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXXXXXX Status : Closed/Never Late Status Updated : XX/XX/XXXXXXXX Balance Updated : XX/XX/XXXXXXXX Original Balance : {$1000.00} High Balance : {$2000.00} Paid Off : Yes Monthly Payment : {$25.00} Last Payment Date : XX/XX/XXXX Past Due Amount : - Your Statement : - Creditor : XXXX XXXX Account Statement : Exceptional payment history 1
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX ( Experian 1
dba Supreme Lending 1
I was about to submit this but I felt the need to comeback and update you. Crystal Motor XXXX I guess has been selling a lot of their dealerships. They do still own the crystal XXXX XXXX in XXXX 1
I had sent 3 transactions during that day : {$300.00} in the morning 1
be advised that such reporting 1
CA XXXX Previous Address : XX/XX/XXXX Name : XXXX XXXX XXXX Date of Birth : XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX 1
because this purported overdrawn account XX/XX/XXXX line item on page XXXX of XXXX of my XXXX XXXX XXXX XXXX XXXX ( XXXX ) Deposit Account Report ( XXXX ) Consumer # XXXX is preposterous. It doesn't by any stretch of the imagination makes any sense other than greed 1
in the one account ( ending in XXXX ) 1
this is an UNLAWFUL attempt to collect a debt under the laws of the Fair Credit Reporting Act ( FCRA ) by both XXXX and JEFFERSON CAPITAL SYSTEMS 1
both the debt and the collection and reporting activities of both XXXX and JEFFERSON CAPITAL SYSTEMS 1
Manager 1
I would recommend opting out of XXXX XXXX XXXX for XXXX XXXX transactions. That way 1
Mr. XXXX XXXX 1
there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX Servicing 1
I do not have the funds right now! Yet 1
when I filed a complaint with the XXXX 1
XXXX XXXX. XXXX XXXX XXXXXXXX 1
we spread the shortage over 12 months 1
talked to customer care from XXXX XXXX XXXX. She was the first-one from XXXX to XXXX my problem and created a dispute ( case # XXXX ) for all the creditors ( TransUnion 1
5536 ) * XXXX requirements * Bill of Rights protections : XXXX 1
charges 1
they found after reseach i owe them {$210.00}. i paid on spot 1
FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
Attachments : 1. Print out of XXXX credit report 1
{$1200.00} XXXX 1
XXXX XXXX XXXX XXXX account # XXXX 1
I received a Zelle deposit of {$160.00} from an individual named 1
XXXX This personal information is incorrect : Also Known As : XXXX XXXX - XXXX 1
I found a message on my home answering machine telling 1
pursuant to section 605b of the FCRA 1
I contacted Bank OZKs customer service line to update my address 1
phone calls 1
I was advised by my lender to contact Equifax in order to get this issue resolved. At this point my real estate transaction is close to being in jeopardy. Upon contacting Equifax via telephone and explaining the issue in detail 1
including accounts XXXX 1
US BANK 1
VA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance {$870.00} Balance Updated - Credit Limit {$1200.00} Past Due Amount {$870.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX 1
I have been victimized by a clerical error in XXXX XXXX records 1
lowering credit limits 1
We started a personal property claim with USAA for our laptops back on XX/XX/2017. SInce we are in XXXX 1
and after my qualifying employer direct deposit went in about verifying that as well 1
XXXX XXXX XXXX ( XXXX XXXX 1
'' or persons who furnish information to consumer reporting agencies ( CRA '' ) such as credit bureaus. It specifically states that this duty extends to all student loan accounts reported to CRAs 1
XXXXXXXX XXXX XXXX XXXX XXXX XXXX 1
IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
Credit reporting info is sensitive data. The issues of ACCURACY AND COMPLETENESS of abstracts AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; XXXX XXXX PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting .... Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTAINENCE of ACCURATE credit data can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND XXXX STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again 1
abused 1
I went to XXXX XXXX 1
as I conducted further internet research 1
I mailed a replacement credit card to one of the authorized users on my account 1
phishing attempts and other deceptive efforts 1
dated XXXX/XXXX/16 to : Transworld Systems Inc. 1
were on my Experian consumer report and I ask them to delete these inaccurate accounts off of my credit report. I stated that some of these accounts are also being reported on my Experian. These accounts are XXXX 1
multiple calls with no one being able to tell us what the status of the loan modification was 1
DC XXXX XXXX XXXX XXXX XXXX 1
showing account as current and open. XXXX XXXX XXXX XXXX have previously sent a reinsertion request to Experian on XXXX 1
caused a denial in housing. I have reached out to the person reporting the debt 1
nothing has been corrected : XXXX 1
still has the {$46.00} charge on it. I have always paid in full for the charges that I did owe on 1
name is XXXX XXXX XXXX XXXX. I paid {$95.00} annual statement credit. In signup conditions 1
XXXX XXXX. XXXX and its implementing regulation 1
from XXXX 1
we must provide you with a resolution or grant provisional credit to the account within 10 days of filing the claim. We have confirmed that we completed your claims XXXX 1
I was approved for a debt extension agreement 1
score 1
I have called Bank of America eight times 1
I received a notification from XXXX XXXX 1
XXXX contemplated by the act of congress evidenced and restated at 8 U.S.C 1101 ( a ) ( XXXX ). XXXX is aware and knows that the XXXX bankruptcy is verified in Senate Report No. XXXX XXXX. XXXX 1
I have filed reports with the major credit bureaus ( XXXX 1
Discover Billing Disputes Representative XXXX 1
The XXXX debt collector was XXXX XXXX XXXX 1
including accounts ( Amex : XXXX 1
customer service keep transferring me to XXXX 1
race 1
stated : We have requested debt verification from the creditor 1
including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : The only correct address that should appear on my report is XXXX XXXX XXXX XXXX XXXX XXXX 1
which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information Each Furnisher confirmed receipt on the original FTC report with a documented response found with FTC REPORT : XXXX and the complaint contained the proper vitrification documents as requested : XXXX copy of a government issued identification card 1
XXXX from Ohio. XXXX from Fruad 1
the Tax Status Identification and Certification process I completed at the opening of the account should have sufficient for CitiBank to properly document and validate my withholding status. T The representative informed me that I could sent my W-9 by regular mail or by fax. I chose Fax 1
address and phone number. How are you verifying these non-existence accounts? ( UNKNOWN MEDICAL # XXXX XXXX 1
but I was in the middle of a divorce and the in store experience wasn't top of mind. I have attached a letter outlining the details of the events that followed 1
VA XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XX/XX/XXXX Balance {$870.00} Balance Updated - Credit Limit {$1200.00} Past Due Amount {$870.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX 1
XXXX Ombudsman 1
was more interested in being regarded as being customer courteous than in helping me. I explained the entire scenario from XXXX to XXXX to currently 1
my name was not on the list with XXXX XXXX 1
balances 1
reported a Status as Collection/ Chargeoff. XXXX reported Closed. XXXX reported Closed. These are violations of 12 CFR 1022.3 1
XXXX MD XXXX 1
I was not enrolled in school 1
only getting the response that its from your Insurance and Taxes. '' I looked at the numbers myself but they did n't seem to add up. I asked for the customer service rep to escalate to a supervisor 1
XX/XX/year> around XXXX XXXX I decided to call XXXX phone number to BMO Bank XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1
CFPB statutes and enforcement require that a bill be mailed to me each month as a part of right of notice under due process. No notice can be received if the bill never reaches me. Further 1
so I continued to call PayPal. Since the fraudulent charges were made 1
one response I received on XX/XX/year>25 1
XX/XX/XXXX calling re a deposit to my account for XXXX XXXX XXXX XXXX XXXX from the Chase in XXXXXXXX XXXX XXXX XXXX I called Chase CS immediately as agent informed me that she released the hold & expedited to 24 hrs; same day I received a survey re CS ... due to the fact she falsified info by telling me funds are available in 24 hrs 1
and Title 15 1
XXXX : XXXX XXXX Bankruptcy 1
Servicer for Loan No. XXXX a loan created by XXXX Fraudulently for XXXX XXXX XXXX without her permission done with a lost Assignment with an XXXX XXXX belonging to Judge XXXX XXXX XXXX XXXX XXXX. Stock held Co. under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past President ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
I turned on my digital audio recorder for informational and impeachment purposes ( see Att. C ; D ; E -- Audio Recording 1 ; 2 ; 3 of Call with XXXX ). Then 1
XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX XXXX XXXX v. United States 1
XXXX XXXX Re : Your File No.XXXX XX/XX/XXXX Please be advised that since my last communication with your office on XX/XX/XXXX ( see below in RED ) 1
intentional misrepresentation 1
aka Toyota Motor Credit 1
the Complainant had read her error message from the Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage stated above then she had immediately decided to call the TUIs telephone customer services representative and she was connected to XXXX 1
XXXX MS XXXX Please remove the following address ( es ) 1
I never know the fake check issue until it posted to my account. They are all fake. Please do the investigation and I am very happy to cooperate and I worked on XX/XX/XXXX and XX/XX/XXXX at XXXX 1
th XXXX 1
NelNet Account # XXXX 1
when I ask to talk to the customer rep 's XXXX 1
XXXX XXXX Date : XX/XX/2021 To : XXXX Supervisor 1
this is not the end of the story. They had also unjustifiably denied my 2 other previous attempts to cure this delinquency. First 1
including my phone number 1
Inc accountable for their unauthorized use of my credit and demand that they immediately remove 1
which only includes a different charge of {$120.00} ; file : XXXX ) ; ( 3 ) the aforementioned XXXX memo in which the unexplained {$170.00} balance is listed but 1
XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX 1
XXXX-Late/Closed-XXXX DEPT OF ED/NELNET XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX 1
for the first time since I paid off the account on XXXX 1
given AXOS consistent misrepresentation 1
i came to a treatment center 1
they engaged in a modus operandi of deliberate continuing 1
which I do not receive any type of paperwork from or monthly statements from 1
contact was made with Citibank customer service 1
I continued making payments. I made payments on XX/XX/XXXX 1
NAVY FEDERAL CR UNION 1
please allow 4-6 weeks for a {$100.00} bonus deposit to post to your Account. You will be responsible for any tax liability. Offer is not transferable and not valid for trusts 1
XXXX that mohela had nothing from XXXX XXXX and to resubmit forms 1
I spoke with two different debt buyers or debt buyer agent representatives for XXXX and XXXX 1
I spoke with two different debt buyers or debt buyer agent representatives for XXXX XXXX XXXX 1
XXXX in Texas 1
the Fair Credit Reporting Act 1
and via email 1
which is 2.25 times the regular payment amount. When I called Santander 1
I request a thorough investigation into XXXX XXXX 1
I got a bill from Credence 1
after all debts had been paid 1
my concern why is SLS and all of the chain of affiliates reluctant to address all of the unauthorized mortgage assignment of discovery? I request that all parties ( XXXX 1
our account was frozen 1
XXXXXXXX XXXX XXXXXXXX XXXX. Incorrect Address XXXX XXXX XXXX 1
I am entitled to a fair and accurate report 1
but all they do is contact the loan company and can do nothing if the company doesn't want to. A Filed a complaint with the FTC on XX/XX/XXXX 1
on XX/XX/XXXX I received a letter ( attached ) from them only stating that the transactions were authorized 1
payment information and account status for XXXX 1
i sent notice to Freehold Hyundai 's VP George Mackey 1
including locations I have never lived at 1
INC for {$680.00} Original creditor is XXXX XXXX 1
you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX 1
XXXX XXXXXXXX XXXX XXXXXXXX Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Charge-off : {$2600.00} XXXX XXXX XXXX XXXXXXXX XXXX CT XXXX XXXX 1
As the end 1
I am now opting out of any and all authorization I the consumer may have given you ( Equifax 1
I Am that I am 1
calls and document submissions to have it removed. The XXXX is XXXX excuse for reporting my loan 30 days late. The XXXX has since been refunded and the actual refund date was the same as the start date of the XXXX. I am submitting a screenshot which shows the dates were the same. However 1
they are blanket stating that they verify information 1
I am writing to follow up on opt-out letters dated XX/XX/2023 1
received a reply that they are in receipt of. They have 90 days to fix these errors. I have not heard any more from them and no corrections have been made. Numerous errors have been made since XX/XX/XXXX 1
I submitted an identity theft dispute to XXXX regarding a fraudulent Capital One account ( XXXXXXXX XXXX / Balance {$3100.00} / Opened XX/XX/XXXX ) that was opened as a result of identity theft. Enclosed with that dispute I included a Federal Trade Commission Identity Theft Report 1
MY THIRD ATTEMPT TO PAY THIS BALANCE ONCE AND FOR ALL WAS WITH CASH 1
I mailed hard copies of 15 attachments of evidence to support my dispute 1
after work 1
where Chases abrupt and unexplained shutdown of my account precipitated a cascade of financial and personal upheavals 1
LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing 1
Receivables Outsourcing failed to send a written collections notice 1
{$0.00} by XXXX 1
I noticed around 50 transactions on my bank of america statements 1
XXXX ( XXXX ). See also Miller v. Fairchild Industries 1
employee code XXXX which she confirmed all of my loans were in a voluntary forbearance. From XXXX loans XXXX 1
and I have been given nothing but the run-around from ED and Nelnet. I have filed multiple complaints with CFPB 1
any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual 1
by XXXX XXXX I was told I was paying for XXXX. I had already made payments for XXXX 1
2015. She spoke to XXXX at ext XXXX then contacted XXXX XXXX XXXX XXXX. The conversations with XXXX XXXX XXXX XXXX continued on the following dates : XXXX 1
my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX NC 1
but not limited to : Fifth Third Bank 1
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1
I was told that they were closed on Fridays. I did my own research and found the owner of the company and was able to contact him. The vehicle had been repossessed by Capital One Auto Finance 1
here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1
but XXXX has continued its attempts to collect. I am receiving emails 1
amounts I paid ( I lost my payment copies during hurricane in XX/XX/XXXX ) 1
their communication with us has been lax. Because of my work hours and environment 1
XXXX XXXX claimed she would. Well 1
OH XXXX XXXX XXXX XXXX XXXX 1
I am writing to formally complain about ongoing issues with my account settings 1
but he would rather rent. He asked me if I was a XXXX 1
and was connected to 1
upon information and belief obtained through an internet search of the name XXXX or XXXX XXXX in XXXX 1
he looked at my account and said everything looks fine on his end 1
XXXX reported an inaccurate 30 days late payment notice to Experian 1
I 'm sorry but you left me with no choice. I will be filing complaints with the following agencies : FTC 1
Suite XXXX 1
I can't go find new customers 1
Equal Credit Opportunity Act ) I believe that the mishandling of my account and the persistent inaccuracies could be a form of DISCRIMINATION 1
I've listed all servicers 1
I would still have to provide my personal financial information. It seems to me that the Bank is just determined to foreclose on the property. So 1
XXXX I'm a member of a XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX & XXXX Owners Group ( XXXX ) '' ( XXXX XXXX XXXX XXXX XXXX XXXX ). Another group member 1
and XXXX ) 1
calls and document submissions to have it removed. The CPI is PENFEDs excuse for reporting my loan XXXX days late. The CPI has since been refunded and the actual refund date was the same as the start date of the CPI. I am submitting a screenshot which shows the dates were the same. However 1
as owner. XXXX years into my mortgage 1
and no updated payment activity is shown for XXXX through XX/XX/year>. Additionally 1
I received another disturbing email from XXXX XXXX that the voicemail transcript I sent to her does not say what I stated. I said via email 1
using the vague excuse that reason for their decision was Activity on account ( XXXX ) with Synchrony Bank indicative of high risk of failure to pay '' 1
I spoke to the Fraud Dept . for 25 minutes 1
which I had for 2 plus years. I am convinced that someone at the XXXX XXXX used my card. However 1
GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
Equifax is legally required to ensure that all consumer information in its records is accurate 1
Citimortgage transferred my mortgage to XXXX Mortgage A Division of XXXX XXXX. During my time with Citimortge I continued to try to work with Citimortgage asking about said settlement 1
this is an UNLAWFUL attempt to collect a debt under the laws of the Fair Credit Reporting Act ( FCRA ) by both XXXX and XXXX XXXX XXXX 1
I do not think your company will correct to request for months or years the identification information 1
Paypal limited my account 1
2017 : Westlake Financial Services was contacted by myself 1
LLC has failed to satisfy its duty under the Fair Credit Reporting Act 15 U.S.C.1681s-2 ( b ). After my dispute was received by the credit reporting agencies 1
VA XXXX XX/XX/XXXX XXXX ( XXXX XXXX 1
received XX/XX/XXXX TransUnions 5 page XX/XX/XXXX 1
Software Updated 1
I have reached out to XXXX XXXX directly and I received written correspondence which was dated XX/XX/XXXX ( a copy of a letter dated approximately 3 years ago ) which states 1
Code XXXX 1
IN XXXX or electronically to : XXXX Sincerely 1
XXXX I received a letter in the mail that 1st Franklin Financial sent me stating they did not receive my initial monthly payment when in reality they refused my negotiable instrument. *I will have all attachments below of all documents. ( EXHIBIT 3 ) XXXX XXXX 2022- I received a letter in the mail from 1st Franklin Financial as Notice of Acceleration.Stating that the entire balance of an alleged debt of {$2200.00} was due and payable immediately. Also 1
XXXX XXXX VP - Sr. Financial Consultant | XXXX 1
once on their website and then I filled it out by hand and emailed everything to them on their timeline. SPS has stopped communications with me. I have NOT stopped communicating with them. SPS sent me a letter last week telling me to fill out modification forms 1
the natural person 1
under the Fair Credit Reporting Act ( FCRA ) 1
it was false ad deceptive 1
The XXXX XXXX 1
Capital One N.A. 1
verify disputed information 1
your system has repeatedly marked late payments for this account as verified. This includes 1
I called XXXX XXXX to follow up because no repayment had been credited to my account. Additionally 1
XXXX XXXX claimed the transaction was declined because the merchants website was flagged as suspicious. However 1
pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the Experian credit reporting agency block all of the accounts 1
XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX 1
but it has now been reinserted on my credit file without : Written notice of reinsertion within XXXX ( XXXX ) business days 1
Account NumberXXXX 1
stating that 1
about XXXXXXXX XXXX Pacific Time 1
I received an alert from a credit reporting agency stating there is a new delinquent account added to my credit file. When I checked my credit report 1
Equal Credit Opportunity Act ) I believe that the mishandling of my account and the persistent inaccuracies could be a form of XXXX 1
since I was unable to make my mortgage payments. For the first XXXX months 1
I observed a white male business client walk in 1
including accurate reporting 1
The state of Florida changed the SOL to one year. However 1
transactions and dollar amounts vary which show my frequency patronizing this corporation. It was similiar to buying stamps at your local post office in using their service : XXXX 1
I request the following : Account Name : DPT ED/XXXX Account Numbers : XXXX 1
I check my XXXX credit report to find that ERC XXXX Enhanced Recovery Company 1
which Experian characterized as the results of its investigation. In this response ( which XXXX received on that date ) 1
and I was not satisfied with the answers that I received because they were different. The first answer I received was that XXXX does not recognize authorized users ' accounts even though the website has pervasive literature and instructions on becoming an authorized user. It lists that strategy as a means of boosting one 's credit score. The second answer I received from XXXX is that because the XXXX XXXX card was opened in XXXX and not reported on my credit file immediately 1
on your computer access screen 1
XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ) 1
I would be arrested at my place of employment! I told them that they could not call me there 1
Credit reporting portfolios is sensitive data. The issues of ACCURACY AND COMPLETENESS of information AND FAIRNESS to consumers are not just a concern of the consumer reporting agencies ; CREDIT GRANTOXXXX PARTICIPATION is ALSO REQUIRED. FEDERAL and STATE LAWS already REGULATE certain aspects of credit reporting. Data Furnishers MUST PARTICIPATE IN THE ACCURACY PROCESS. Both Credit Grantors AND consumers depend on consumer reporting agencies to ACQUIRE AND MAINTAIN ACCURATE credit histories. ACQUIRING AND MAINTENANCE of ACCURATE credit conclusions can ONLY be accomplished IF THE DATA FURNISHER of consumer data UNDERSTANDS Credit Reporting Laws AND METRO2 STANDARDS ( the tools ) that ARE available AND ADHERES to the STANDARDS for Credit Reporting ( again 1
I kept escalating improper handling of my account to the Ombudsman 's office at Select Portfolio Servicing. I eventually escalated this matter to XXXX XXXX XXXX in XXXX 1
MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX The following accounts are fraudulent- XXXX XXXX Acct # XXXX Date Opened - XX/XX/XXXX Balance - {$2700.00} XXXX XXXX XXXX XXXX 1
SC XXXX XXXXXXXX XXXX XXXX XXXX 1
no transferee 1
Laws of Florida 1
I have been wrongfully reported to ChexSystems and XXXX XXXX XXXX. As a result 1
over the telephone 1
that this account went into derogatory status in XXXX XXXX 1
electronic foot prints 1
THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports 1
it's showing a late payment in XXXX and XXXX of XXXX XXXXhe XXXX balance shows as {$240.00} and sixty days past due. Says the past due amount is {$61.00}. Look within the XXXX grid at past due 1
XXXX at XXXX 1
It seems that I have been discriminated against by XXXX XXXX. It has come to my attention that they requested information from non-affiliate parties to gather not only my nonpublic personal information but also confidential information on me. This information went as far as my banking transactions from another financial institution ( XXXX XXXX XXXX ). When in contact with an EWS supervisor they confirmed that XXXX XXXX has requested such information on me after opening my business account with them. Once I received such notice that my account closed I drove to the branch at XXXX XXXX on XX/XX/XXXX 1
WA State Attorney General and Federal Trade Commission launch a thorough investigation of XXXX XXXX accounting records 1
[ Not Verified - XXXX and Equifax ] Date of Last Activity : XX/XX/XXXX ( All Bureaus ) Date Reported : XX/XX/XXXX ( XXXX and XXXX ) 1
who stated that he is with a mediation company called XXXX and XXXX has sent my account to them for an outstanding balance of {$450.00}. I informed him that they are attempting to collect on a debt that is past the staute of limitations 1
I called Goldman Sachs bank to follow up on my investigation status. This morning 1
to verify that I use my original birth name 1
XXXX XXXX provided some additional details about XXXX XXXX concerns regarding the property management company responsible for her timeshare : XXXX XXXX 1
card issuers have been making fat profits off these payment protection programs while complaints from consumers and activists have piled up. But now 1
on XXXX XXXX XXXX 1
exemplary 1
and the CSR told me she could mail the PIN to me and I would receive it within 7-10 working days. I requested the PIN immediately 1
XX/XX/XXXX XX/XX/XXXX- XXXX 1
fraudulent account notice and police report 1
while Volkswagen Credits agents were incorrectly trying to repossess my car 1
previously disputed 1
with respect to any aspect of a credit transaction ( 1 ) on the basis of race 1
Harbor Freight 1
TX XXXX ( XXXX ) XXXX 2. Account number XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX 1
filed on XXXX XXXX in federal district court in Maryland 1
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1
Filed Unlawful XXXX XXXX 1
XXXX XXXX A CALIFORNIA XXXX 1
I called back and spoke with an operator named XXXX. During our conversation 1
I discovered a derogatory mark on my XXXX credit report dated XX/XX/XXXX 1
their consistent reply by voice and email is that my email on my AFFEs Exchange STAR credit card is non-valid. My efforts to resolve : 1. I contacted the Credit Card Program-Operations prior XXXX XX/XX/2024. I received a rude response from a Team Leader telling me she was a trained Team Leader 1
and gave them my routing number 1
late fees 1
they ignore my request I have asked for relief while I was unemployed 1
XXXX XXXX Long time card holder and Loyal to the end Email received from XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : Member Services XXXX XXXX Date : Wed 1
they are not applying payments I have made by checks of {$140.00} to my loan account XXXX # XXXX XXXX. When I sent this month 's payment on XXXX the check ( # XXXX ) still has not posted to my XXXX XXXX checking account as of today 1
XX/XX/XXXX XX/XX/XXXX XXXX 1
SECTION XXXX 1
telling them multiple times I can not consistently repay 1
Section 604 ( a ) ( 2 ) ) : XXXX 1

Top States

State Complaints
XXXX 787
XX/XX/XXXX 142
XXXX XXXX 68
OH XXXX XXXX XXXX XXXX 61
XXXX XXXX XXXX 60
and XXXX 41
( Furnisher of information to credit agencies ) whether it be verbal 39
and XXXX. 31
and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU 29
XXXX XXXX XXXX XXXX 29
OH XXXX XXXX XXXX XXXX XXXX 28
and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU 26
CA 25
XXXX. 24
NY 23
XXXX XXXX XXXX XXXX XXXX 21
FL 20
OH XXXX XXXX XXXX XXXX XXXX XXXX 19
XXXX XXXX. XXXX ; amended Pub. XXXX XXXX 16
marital status 13

Top Issues

Issue Complaints
XXXX 1.2K
XXXX XXXX 143
XXXX XXXX XXXX 60
XX/XX/XXXX 53
XXXX XXXX XXXX XXXX 42
and the information on the XXXX 33
XXXX XXXX XXXX XXXX XXXX XXXX 28
and the information on the TRANSUNION 27
XXXX XXXX XXXX XXXX XXXX 25
as added Pub. XXXX XXXX 22
XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ) 20
upon request 16
{$0.00} XXXX 15
but also future potential employers until I lift this restriction. Under the Fair Report Act 12
any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies 11
but as there are over XXXX 11
and a respect for the consumers right to privacy. '' XXXX 10
Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ) 10
as added Pub. L. 93495 9
a written authorization from the consumer 9

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database

What the CFPB Record Shows About XXXX

XXXX has accumulated 4,093 consumer complaints in the CFPB public database, with filings active across 1,883 U.S. states. Of those submissions, 1,953 include a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to # # , and the most recent logged activity is {$460.00}, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, XXXX reports a 0% timely-response rate and has closed 1.3% of cases with a written explanation to the consumer. 0.6% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "XXXX", and the single most common underlying issue is "XXXX".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating XXXX: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.

Consumer Guides

Learn more about your rights and how to interpret complaint data.

How to Read Complaint Data
Understand what the numbers mean and how to compare companies fairly.
How to File a CFPB Complaint
Step-by-step guide to filing your own complaint with the CFPB.
Understanding Responses
What different CFPB response types mean for consumers.

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Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.

Frequently Asked Questions

How many CFPB complaints does XXXX have?

XXXX has received 4,093 consumer complaints filed with the Consumer Financial Protection Bureau.

Does XXXX respond to complaints on time?

XXXX has a 0% timely response rate to CFPB complaints.

What is the most common complaint about XXXX?

The most common issue reported against XXXX is "XXXX" in the "XXXX" product category.

Read our methodology — how this data is sourced, computed, and verified.

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