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aciborowska

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test_dataset

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This is a copy of my email that was sent to XXXX XXXX XXXX XXXX, XXXX My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I check my credit score occasionally and the last time I checked it I had two ( 2 ) derogatory remarks due to a Collection/Chargeoffs. At the time all of the information I had was the name of the collection agency. I contacted them. They told me that my name, Social Security Number and date of birth matched the information on file for whomever used my identity to obtain electricity in the State of XXXX. I have never lived in XXXX. I was told they would note it on their account but I would need to contact the local police and file a report and then go to the identity theft website and complete the necessary information. I did go to the police but because I live in the county I would have to contact the Sheriff 's Department to file the report. I had officer XXXX XXXX of the XXXX XXXX County Sheriff 's Department come out to my home. After explaining and requesting a report he advised that because this involves two state ( XXXX XXXX XXXX ) I would need to go to the website XXXX and proceed to filling out the Fraud Complaint online. This week I received a collection letter from Convergent Outsourcing , Inc. demanding {$700.00} which was 80 % of the full amount of {$870.00}. I contacted them and relayed this same information. The gentleman told me I may also need to complete a fraudulent packet with XXXX XXXX XXXX XXXX, XXXX. Obviously this is very frustrating that as the victim of this activity I am having to go to such lengths to clear my name because of another 's incredulous acts and over {$800.00} at that. Please advise. Thank you. XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

I have learned of the data breach affecting the credit reporting agency Equifax Inc. and am concerned that I may be affected. There is misleading information about the extent to which people are affected, in particular, concerns that Equifax Inc. is not providing reliable information on whether or not individuals are actually affected, and that making enquiries to determine this through the website http : //www.equifaxsecurity2017.com/ may actually be obliging you to opt-out of taking certain legal remedies against Equifax Inc. later . I am concerned that I may have had personal data exposed by this attack on Equifax Inc. and that I may suffer loss as a result. I am concerned that Equifax Inc. is not acting transparently, honestly or in my best interests when seeking to offer me information about my risk or protection from credit abuse. I am concerned that Equifax Inc. made no attempt to contact me personally regarding this issue and that I had to learn of this from news media. This is particularly concerning as it delayed my response in placing a fraud alert with Equifax Inc.

XX/XX/2021 XXXX XXXX Account Number : XXXX This letter is in Reference to the above Account Based on the facts of the matter : During this consumer credit transaction, I, the consumer, the natural living man, and original creditor to the account, have elected to extend my credit to Navient/ US Department of Education . It is to my knowledge that Navient/ US Department of Education has formed an alleged debt in the form of a loan in fraudulence using my personal open ended consumer credit plan and personal consumer credit card ( SSN ). The Truth in Lending Act does not define the word loan or borrower therefore I do not know how this alleged debt can be validated in truth. It seems that This notion has also made Navient/US Department of Education the Debtor, borrower and a debt collector of the alleged debt, As they Have not produced any original instrument proving to be the original creditor. The misrepresentation of Navient/US Department of Education as the Original Creditor constitutes consumer fraud and I demand validity in this matter, that the above account be deemed Closed and blocked from reentering my consumer report. I also seek Monetary Remedy for all given payments and repeated communications over years while creating a alleged debt through fraud. Be mindful Under 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. Under 15 U.S. Code 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. 12 U.S. Code 1431 - Powers and duties of banks ( a ) Borrowing money ; issuing bonds and debentures ; general powers Each Federal Home Loan Bank shall have power, subject to rules and regulations prescribed by the Director, to borrow and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations upon such terms and conditions as the Director may approve, and to do all things necessary for carrying out the provisions of this chapter and all things incident thereto. Ignorance of the Law is no Excuse XXXX XXXX

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

I had a previous checking account with Bank of America. They were killing me with insufficient fund fees for all kind of transactions. Because of these fees, the account was always negative and I had no choice, but to close that account. That was in XXXX. Two years after, in XXXX, I opened my actual checking account and it was also subject of all kind of insufficient fund fees. Now, that the law required bank of america to refund these fees to customers, I expect to receive all these fees back. however, for some reason the Bank never contact me or issue any type of refund to me. I know that I was a victim of that practice in the past and still a victim today before the bank stopped this exploitive practice. So, please help me recover all the money that Bank of America took from me. I am really in need and I have a lot of debt to deal with. Thank You

The aforementioned credit agency representing XXXX XXXX XXXX has violated the FCRA by not providing me documents to me in regards to this debt. This account is unverified and immediately needs to be deleted from all my credit files : XXXX , XXXX , and XXXX . The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. Portfolio Recovery Associates does not have any documentation, they need to retract this from my credit file immediately.

Hi, I am in the process of refinancing the mortgage loan. The mortgage loan officer is not able to pull up a credit report from Experian. My name changed in 2013 and Experian is the only credit union that refuses to change the name. I have filed a dispute with them and called their help desk numbers. They are unable to help and at some point in time they are rude and they cut the call. First in 2013 they refused to change the name saying their system is not allowing them to change my first because it is invalid and this time around they give a reason saying my first name is too short. Understandably Experian doesn't want to give anything in writing I will need this resolved ASAP as I need my mortgage to be processed. Can someone help please?

On XX/XX/18 Wells Fargo charged me {$25.00} for an annual fee for their secured credit card. I have really good credit and have been denied the opportunity to receive an unsecured credit card. Wellsfargo takes advantage of this and charges me a {$25.00} fee every year. I have been a customer for more than 3 years.

I was an employee of this company and resigned on XX/XX/XXXX and was threatened with a law suit for outstanding medical bills all the way back to XXXX they put a {$2000.00} lawsuit on us because this was a day I had requested off the employer knew this I gave a proper 2 week notice before we were scheduled to be out of town XX/XX/XXXX through the XXXX of XXXX employer knew I wanted it off from a previous month working part time and refused to give me these days off. I found out that they had a lawsuit against me and my family from previous medical bills dating all the way back to XXXX scheduled for XX/XX/XXXX court appearance. I knew I would not win this case so we paid a total of XXXX XXXX dollars to bonded collections and we set up a payment plan for outstanding bills on the Clinic and Hospital side of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( Same company ) of XXXX Wisconsin. We went to the clinic and asked did we need to pay anything else and we paid for the current bills we had. they told us we were free and clear and said we owed nothing else since everything else was put on a payment plan. needless to say I check my husbands credit report and they submitted a bill from XXXX and XXXX to XXXX XXXX XXXX XXXX. after telling us we did not owe anymore. then told me on the telephone that it was submitted in may yet the credit reporting agency said it was submitted XX/XX/XXXX by this clinic which is the same company as the hospital this is WRONG on every level!

I am filing a complaint due to ongoing harassment from collections companies. These calls have been causing undue stress and inconvenience. Moreover, these alleged debts are not mine but are the result of identity theft that occurred in 2018. Description of the Issue : I have been receiving frequent and intrusive calls from various phone numbers, often in the early morning and late afternoon. These calls are disruptive to both my personal and work life.

XXXX was charged {$140.00} on a Fraudulent purchase on XX/XX/2022. I sisputed the charges and notified credit card company.

Over charged return check fees

I keep contacting transunion to get my report to correct there error company won't respond

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. XXXX Employer : XXXX XXXX XXXX Addresses : XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Addresses : XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX, GA XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.

On XXXX XXXX, 2018, I called Ideal Collection Service, XXXX regarding an account I noticed on my credit. I spoke with someone named XXXX, ( last name was not provided ) and when I advised her I was not aware of any lease in my name and that I planned to put the matter in dispute. She then advised me that the only way I could dispute the debt per federal law was to report the matter as fraud to my local authorities and then provide her company a copy of this police report in order to have the debt investigated and removed from my credit. When I asked her what federal law this was applicable under, she refused to provide me that information and told me I would have to find out myself. She then proceeded to be very rude and unhelpful in providing any additional information regarding the account. I then requested to speak with a manager, she told me she was the manager and refused to allow me to speak to anyone else at the company who may have been helpful.

Dear Sir/Madam, its about reporting a collection on account of XXXX XXXX. few of documents are attached here with for your ready reference. i was resident of one of the apartment in XXXX XXXX. when i got the apartment, the price etc. was different & when they started billing me, that got changed. i was having a complaint of over charging, i talked to management & there was no resolve. on my regular follow up & arguments, Management had asked me to vacate the apartment & few days latter i got a eviction notice. i was asked to vacate that house means who brake the lease, not me but the management. i asked them to share the details of, XXXX XXXX ( Normally XXXX Charge Trash in their Bills ) Management is charging is separate. Water Billing Trash etc. they dont have any supporting documents to support the billed amounts. its very high if you compare with other apartments. when i vacate the house, they had reported the Good Sum on my credit. i already had spoked with XXXX XXXX, no response, Recover Agency Name : The Phoenix Recovery Group XXXX XXXX XXXX if you review the attached bills, they charge it with no further details. XXXX XXXX Trash these bills must have separate supports. i was asked to vacate the house, who break the lease. its no me. Pls. help to resolve the issue & make sure management is not charging this to all residents. Best Regards,

I add a difficult time. I was sick with a XXXX XXXX for about 6 months. Because of this, I couldn't pay my bills. I called several to seek. I was not helped. this problem is damaging my life and I impacting my credit eligibility.

Following a recent review of my credit report at the Equifax, XXXX and XXXX consumer reporting agencies, I learned that XXXX XXXX XXXX was reporting delinquent 30 days when this was not the case. In fact, the account should report paid as agreed with no delinquency whatsoever. I contacted the creditor and was advised that the account would be updated and any prior delinquencies would be removed as said delinquency was no fault of mine. To date, this - apparently - has not been done and my credit score has been severely impacted. Please investigate my concerns and compel the creditor to correct my account with them. As an account holder since XXXX, I deserve more.

I check my credit report and notice some things that does not belong to me. These accounts are making my credit in a very bad standing. The accounts listed below aren't not mine. I sent in multiple letters and haven't received any response yet about my complaints. I don't understand what is going on? Please help me! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX in accordance wit the fair credit reporting act XXXX accounts number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 u.s.c 1681 section 602 a.states I have the right to privacy. 15 u.s.c 1681 section 604 a. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

XXXX XXXX XXXX My accounts with Edfinancial have been closed and paid in full as a XXXXXXXX XXXX XXXX and total XXXX XXXX since XX/XX/2022. I have never been late or missed any payments with Edfinancial. I have numerous letters from Edfinancial stating this fact. I have had over a dozen phone conversations with Edfinancial regarding getting my credit reporting updated since XX/XX/2022, in reference to correcting reporting to all three credit bureaus to indicate that this is fully paid off with a zero balance, closed and all payments on time. Instead of my credit bureaus being corrected, all three credit bureaus are receiving incorrect information from Edfinancial ( for the second month in a row ) stating that I am XXXX days late with XXXX missed payments and very high balances on both Edfinancial accounts which are closed. This has severely impacted my financial status from being able to conduct financial transactions to possibly impacting my credit with any current creditors. I am requesting that all three credit bureaus be corrected to show I am in good standing and on time with no late or missed payments and that the balances with both Edfinancial accounts are closed and zeroed out.

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

I prepaid a mobile detailing company on XX/XX/XXXX to come to my house on XX/XX/XXXX to complete a car detailing job. The company made me sign a document upon pre-paying for services. The document was signed on XX/XX/XXXX for a job that was supposed to be completed on XX/XX/XXXX. On XX/XX/XXXX no one ever showed up or called from the company to complete the job. I called the company, no answer. At that point I did research on the company and found the company is a scam. I immediately filed a claim with chime on XX/XX/XXXX. The claim number is XXXX. I also filed a fraud report, a dispute with my bank and a XXXX complaint on the company. As of today, my claim has been denied three times. Chime is saying no error occurred. I have spoken to multiple people and no one has been able to give me any answers. I have sent in multiple documentation showing that the company admitted they did not complete the job. In two emails the company stated they would do a refund but I needed to cancel my claim which I did not do. After reading multiple reviews on the company, I found that this is another tactic they use to get you to cancel the claim and they never actually provide the refund. At that point I stopped communicating with the company all together and chose to work directly with my bank which is chime. However chime refuses to credit my account. An error occurred when the company failed to complete the job. I spoke to a chime supervisor on XX/XX/XXXX who stated he doesn't understand why the claim is being denied. I then sent an email to chime requesting documentation used to come to the decision to deny claim. On XX/XX/XXXX I received that documentation and it is exactly the same documents I sent in as well, except I sent more. In the documentation the company provided they admit that they did not show up and asked me to withdraw my dispute. Yet chime still denied the claim and sided with the merchant. I also sent the response from the company on my XXXX complaint which is dated after the email that the merchant sent in. Again the merchant acknowledged that the job was never completed and they were unable to issue a refund. I'm confused, I'm frustrated and disappointed.

THE COMPANY’S RESPONSE ADDRESSED ALL OF MY ISSUESNoADDITIONAL COMMENTSCFPB- in XX/XX/XXXXof last year, I came in from the jet ski trip, and being in a foreign country where safety can be a concern in incidents like this, spoke with the hotel (the hotel which confirmed in email (the 3rd party letter) to ensure someone was aware, other than the 2 parties involved. Then, I proceeded to my room and spent ~90 minutes on a call with a B of A representative who informed me that I do not need to be worried and that this was the only information she needed today. So, I was under the impression that I had covered all my bases in order to receive the credit back. Later on, when I was back in the US, I had to call for an update on the submitted claim which I believe took place in early XX/XX/XXXX. At this point, B of A tells me that I need to submit a letter from a 3rd party source that CONFIRMED THE DETAILS OF THE INCIDENT. Nothing was even mentioned about a technician being required that would confirm the jetski was, indeed experiencing technical issues that caused the sinking/smoking of the engine. These types of issues are rampant on the XXXX XXXX XXXX XXXX (or even XXXX in general), so I am baffled that this is even being questioned. I have 3rd party confirmation of the incident taking place, and I am tired of discussing an issue that was reported the day it took place, no instructions were given to me on how to handle, and not until I was home did anything get mentioned about the 3rd party confirmation. Realistically, however, even if I had known I needed a technician to come view the jetski, do you really think the jetski rental spot would let this happen?! Certainly not. I expect my bank to fight on my behalf in incidents where me (the consumer) are being taken advantage of by companies in foreign countries. I covered the bases I was aware of while in Thailand and while back in the US. Now, I want B of A to do their job.I UNDERSTAND THE COMPANY’S RESPONSE TO MY COMPLAINTNoADDITIONAL COMMENTSI understand what they are saying, but it STILL does not align with the communication between B of A and myself on the day of the incident.THE COMPANY DID WHAT THEY SAID THEY WOULD DO WITH MY COMPLAINTNoADDITIONAL COMMENTSSee above

Subject : Dispute of Inaccurate Credit Reporting by XXXX XXXX XXXX - Account No. XXXX Dear [ XXXX 's XXXX ], I hope this letter finds you well. I am writing to formally dispute the accuracy of an item on my credit report, which has been reported by XXXX XXXX XXXX. The information pertains to an account with the original creditor XXXX XXXX, with the account number XXXX. The details of the disputed item are as follows : Balance : {$400.00} Balance Updated : XX/XX/2023 Original Balance : {$400.00} Date Opened : XX/XX/2023 Account Type : Collection Account Status : Collection account. {$400.00} past due as of XX/XX/2023. Status Updated : XX/XX/2023 I firmly believe that there are violations of consumer protection laws and the Metro 2 Reporting Guidelines in the reporting of this account, and I am writing to formally request an investigation into this matter. The inaccuracies and violations I have identified are as follows : Lack of Verification and Validation : According to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation of the debt and verify its accuracy. I have not received proper validation and verification from XXXX XXXX XXXX regarding the debt in question. Inaccurate Reporting : The account is being reported as " Collection account. {$400.00} past due as of XX/XX/2023. '' This statement is misleading and inaccurate, as the debt has been fully paid off and has a balance of {$0.00}. The reporting is in direct violation of FCRA, which mandates accurate and up-to-date reporting of consumer accounts. Metro 2 Violation : The Metro 2 Reporting Guidelines are designed to ensure accurate and consistent credit reporting. The reported information is not reflective of the true status of the account and is therefore in violation of these guidelines. These inaccuracies and violations have a significant negative impact on my credit history and financial well-being. I kindly request that you conduct a thorough investigation into this matter in accordance with the FCRA and other applicable consumer protection laws. During the investigation process, I ask that you take the following actions : XXXX XXXX XXXX XXXX and request that they provide documented evidence of the debt, including verification and validation of its accuracy. Verify that the reported account information is compliant with the Metro 2 Reporting Guidelines. Update my credit report to reflect the accurate and correct information regarding the status of the account in question. I am providing copies of relevant documentation, including payment records and correspondence with XXXX XXXX XXXX, to support my dispute. I trust that you will promptly address this issue and provide a resolution in accordance with the law. I would also like to bring to your attention the specific consumer protection laws and guidelines that pertain to this dispute : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Metro 2 Reporting Guidelines

I have paid a collection off in XX/XX/XXXX. The closed account reported a collections on XXXX of XXXX. I am trying to get this removed from my account. Please help me with this. I have reported this to XXXX XXXX and they said they did not report this, only the credit reporting agencies can change this. I reported this to XXXX XXXX XXXX XXXX, and all XXXX said it met their reporting standards even after I have called each reporting company twice to get this account removed or updated. I have filed a complaint with cfpb and this account has NOT been verified or updated. The account is XXXX XXXX. See attached documents. I would like this account removed from my credit report immediately.

Experian is reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report along with a copy of a spreadsheet of accounts for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Wells Fargo forces me to have accounts that I do n't use. They tell me that if I do n't have a savings account they will charge me fees to my checking account. I opened a business account but I do n't have much activity yet with the account except a couple of transactions, and every month they charge me {$14.00} fee because I have not swiped the debit card XXXX times. I already have my debit card active for my personal account, so 99 % percent of the time I just swipe my personal card. I do n't want to have to close my business account, because of this fee, but it feels like the bank is just gouging my account every month for fees, and not trying to do anything to help me out as a customer. Over the last 12 months, I have XXXX fees totaling {$56.00}. I had to speak to a bank rep XXXX time, and was able to get them to refund XXXX because I was able to show her that I was having issues using my card in the beginning when opening the account, but it was like pulling teeth. I 've also been charged {$15.00} for fees on a savings account that again I 'm forced to have. I was told I needed to have a savings account when I opened my checking account in order to have a " free '' account with no fees. They force me to transfer {$25.00} every month into savings account. If no transfer is made they charge me {$5.00}. Last month my scheduled transfer did n't complete because I had low funds probably, and then it seems to have canceled this months scheduled transfer. So now they slapped with a {$5.00} fee for that. This bank will charge you fees for anything. Please help me get my money back from these theives. It 's all over the news how the bank illegally had their staff create these accounts.

This dispute is about correcting the fraudulent information showing on this report because of identity theft. You've failed to provide evidence of any authorization by XXXX XXXX, or any permissible purpose by him to have these inquiries, accounts, or fraudulent personal information publicly posted to this account. These inquiries were a result of identity theft and were not authorized by XXXX XXXX. You're now required to remove these inaccurate inquiries, innacurate accounts, and inaccurate personal information on this report immediately or you are your executives will be sued by not only me, but by CFPB. Transunion calls itself a Credit Bureau but the ONLY Bureau is CFPB. It is illegal to impersonate a legitimate government entity for financial gain! I will sue all of these clowns. If someone at CFBP wants to sue at the same time please contact me. The inquiries to be removed are : XXXX. XXXX XXXX : Location : XXXX XXXX XXXX, XXXX, VA XXXX, Requested On XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX : Location : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, Requested On XX/XX/XXXX XXXX. XXXX XXXX XXXX ; Location : XXXX XXXX XXXX XXXX, XXXX, IL XXXX, Requested On XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX ; Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Requested On XX/XX/XXXX XXXX. XXXX XXXX XXXX ; Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX ; Requested On XX/XX/XXXX XXXX. XXXX XXXX : Location : XXXX XXXX XXXX, XXXX, VA XXXX ; Requested On XX/XX/XXXX XXXX. XXXX XXXX XXXX ; Location : XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Requested On XX/XX/XXXX XXXX. XXXX XXXX ; Location : XXXX XXXX XXXX, XXXX, VA XXXX ; Requested On XX/XX/XXXX XXXX. XXXX ; Location : XXXX XXXX XXXX XXXX, XXXX XXXX, TN XXXX ; Requested On : XX/XX/XXXX These inquiries aren't mine and Transunion thinks just because they have a monopoly over our personal information that they can control us. I will COME FOR YOU IN COURT AND LEAVE YOU ALL BANKRUPT. I OWN THE XXXX XXXX Transunion is the Trustee of an implied trust which was created by the reception of my personal information which is known as " trust property ''. XXXX XXXX is the beneficiary and you must listen to my wishes and I wish for you to delete these inquires immediately or you will have no houses to live in, all frozen bank accounts, seized assets, no cars, and lose the ability to accomplish all of your greatest wishes and deepest desires while you and your XXXX board rot in XXXX for 20 years each under the XXXX XXXX for creating unfair monopolies.

In early XXXX of 2017 , I recently got a copy of a background check from a company I was applying to work for ( I applied in late XXXX 2017 ), alt hough it did not disqualify me it had an incorrect current address as my reported residence despite mailing me the copy to my current address ; for which it came as a discrepency in my reported address. In the report it has my current address as a former address ( which is in XXXX XXXX ) de spite having the most current dates tied to this address and a XXXX address as my current address for which I only lived there for a short amount of time, about 4 months due to being stationed there with the military. I used this address only a couple of times, one being that I applied for a credit card out there and used that address in order to receive statements and qualify for the purchase I was trying to make.

To Whom It May Concerned : A : On XX/XX/2020, I received letter notifying me that my checking account at US Bank was cleared. The letter stated that ChexSystems @ would be contacted. B : On XX/XX/2020, I paid XXXX XXXX XXXX a cashier check of {$140.00} to complete any penalties on my checking account. C : On XX/XX/2020. my application at XXXX XXXX for a new checking account was denied, because XXXX @ hasn't cleared my status. 1. ) Therefore, could you please expediate the updating of this information on XXXX @, so I can open up a checking account ASAP. 2, ) Could you send me the results 3, ) To Both : XXXX or XXXX 3., ) My Name Is : See attached pdf files for confirmation of payments and clearance of my accounts. Please expediate any other issues that you may find. To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX

Back in XX/XX/XXXX I noticed several erroneous names and other information on my Equifax report. One was that it listed me as putting an " Active Duty Alert '' on my account. I have never been in the military. I called. The people on the phone want outrageous amounts of information like on what date I opened a credit card or what the last amount was on a credit card. My husband pays the bills and we have quite a few credit cards. How can someone remember in XXXX what their outstanding balance on one card was in XXXX or what card was opened in XXXX? So I had to hang up. I went on line and reported the errors. The Equifax system would now allow me to change the " Active Duty Alert '' even though there was a button to " manage alerts ''. So I submitted requests to fix the name and address issues. I faxed and mailed a letter on XX/XX/XXXX to Equifax. In XXXX I checked the account and some info was fixed. I fixed what was still wrong. BUT, the Active Duty Alert was still on. I faxed and mailed another letter on XX/XX/XXXX. In XXXX I checked again and once again the " Active Duty Alert '' was on the account. I sent yet another letter to Equifax. All of my requests have been ignored. I just checked and the Alert is STILL on my account despite 3 phone calls, 2 faxes and 3 letters over almost 6 month. For some odd reason someone else or Equifax was able to set up the Active Duty Alert but they will not take it off when I tell them that I did not request it and that I am not on active duty. I've called several times to fix it and each time I get people who are outrageous in their requests for information from me. At one point the person was delving so far into my life that I hung up. Equifax should not even be allowed to operate in this arena, they are that bad. They are disgraceful. I'm attaching the two faxed letters. The second faxed letter from XXXX was actually mailed again in XXXX but it was the same letter.

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXXXXXX XXXX : {$560.00}

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

DO NOT DISMISS AS A DUPLICATE! The original servicer was XXXX XXXX XXXX in XX/XX/XXXX. 90 days later it became delinquent as they don't report until 90days. It was transferred to the Department of Education XXXX XXXX XXXX in XX/XX/XXXX. First complaint is that it was one disbursement not two and should not have been divided. The second complaint is they are reporting the first delinquency inaccurately. The clock does not reset when an account is transferred. The original delinquency date should be XX/XX/XXXX. A SIMPLE REQUEST FOR LOAN HISTORY SHOULD BE CLEAR

the company is reporting fraudulent information on my credit

XX/XX/2016 I lived in XXXX XXXX XXXX, was diagnosed with XXXX XXXX and could not work any longer, and had no choice but to move out, talked with the landlord before I moved and she stated since it was a serious medical condition, it would not be reported as a broken lease. But now it is and it's hurting my credit badly. Now it's on my credit report and the apartments is under another management company and that manager is no longer there and they have no files on me at all. Hunter Warfield Inc XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX Original Amount {$3000.00} Balance {$3800.00}

Hello! This company, close my accounts ; all my credit card, them they report it on my credit, stating I didnot maintain it, nextduring XXXX and XXXX etc. I gave up never heard back from customer service at all ..I did get any funds back, some accounts seem to was made up in my name afterwards.. even though the amounts was small, I hated my credit was damaged Im still trying fix it, I guess it just one those things that want go away..

In accordance with the Fair Credit Reporting act XXXX Account ( s ) # XXXX, XXXX, XXXX, and XXXX have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. * Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. * Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. * All statements while this account was open. * Have any insurance claims been made by any creditor regarding this account? * Yes * No * Have any Judgements been obtained by any creditor regarding this account? * Yes * No Equifax, XXXX, and XXXX never responded! Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. XXXX XXXX XXXX XXXX XXXX

claims of debt from a credit card in XX/XX/2012 owed, however I have a current account with them now that is in good standing. Must be a mistake or fraud and company will not take off my credit report for all these years.

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

On XX/XX/2020 I submitted a dispute letter to XXXX, Equifax, and XXXX. about some inquires and personal information on my correct report and I haven't received an answer as it is not the XX/XX/2020.

On my XXXX report. It shows XXXX and it says its open and closed. Plus last account activity date has been wrongfully changed and from what i was reading isnt supposed to be done. Probably same way on Experian

For the last eight years I was disputing negative accounts due to fraud. They never investigate properly and i remain in bed credit for eight years as my score stays at XXXX. Statuary of limitation was expired in 2021 but XXXX XXXXXXXX XXXX fraud negative accounts are still not deleted.

15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account XXXX XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights ; 3. XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXXXXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights ; XXXX. XXXX XXXX XXXX Account # XXXX has violated my rights and XXXX. The XXXX XXXX XXXX Acct # XXXX has violated my rights.

I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company XXXX XXXX XXXX, formerly XXXX refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. Your assistance would be much appreciated. Sincerely, Homeowner on the rebound

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, XXXX {$4600.00} TXXXX XXXX XXXX XXXX XXXX, XXXX {$3500.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$380000.00} XXXX XXXX XXXX. XXXX, XXXX {$3100.00} XXXX XXXX XXXX XXXX, XXXX {$520.00} XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

XXXX XXXX XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close

I was contacted by the debt collection agency in regards to the debt I owed on a credit card. I had closed the account with the company because I knew I could n't make payments because I had lost my job. After several phone calls I was forced to block the number they were calling from because they would not cease and desist. It was a few months later when I received a phone call from my brother informing me that they had called his wife 's parents in an attempt to get my information. I explained the situation to my brother and apologized to his wife 's parents. Since that transpired the company has filed in court against me and I 've responded with a request for line item detail of the debt. They sent me a copy of the old credit card bill, that is all. I offered to settle and make payments, but they would not compromise. When I notified the woman on the phone that I would be making a harassment complaint she became angry and hung up the phone. The debt collection firm is Love, Beal, and Nixon out of XXXX ; notorious for trying to get default judgements and using scare tactics on people.

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 for erroneous reporting in my file and is listed on my credit report : XXXX XXXX Balance : {$350.00}

So I have on my credit report a health care bill for XXXX now I have insurance that should have covered the majority if not all and my information has been sold to this 3rd party company medical data system Inc without my permission I did not authorize them to have my information nor did I give it in writing that I gave them permission. And I know that they bought it from them so legally my debt has been paid by them so I no longer have this debt. They are just trying to get their money back that they have paid for my debt with. If they can not provide the legal proof that I did, I would like them to remove it from my credit report immediately.

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

I received my first call from " XXXX '' today XX/XX/XXXX, from " XXXX '' who left a vague but compliant voicemail. I called the number back at XXXX XXXX and a woman whose name I can't recall, attempted to transfer me to " XXXX XXXX. I asked specifically, " what is your field of business '' and was only advised, " We're 'Genesis '. We handle a range of business ''. During my transfer to " XXXX '', the representative D-Something, disconnected the call on me. I called back at XXXX XXXX and spoke with XXXX or XXXX or something like that. I informed her to remove my reference, despite not knowing how they even FOUND a reference. She did not acknowledge that that number would be removed. I also informed her, that I would not be paying the debt as I don't feel compelled to pay debt to a XXXX of an apartment community who I had nothing but noted issues with. She asked me multiple times to confirm I would like it documented as a " refusal to pay ''. I informed her that's fine. I then instructed her to mark my numbers has XXXX after she threatened me with continued collection efforts. Upon that remark, I made it clear the debt would not be getting paid and she ended the call by saying, " they will be paid '' and under the CFPB guidelines, that's enough to count as harassment as well as threatening collection tactics. Also, she did not give me the XXXX prior to disclosing the nature of the call. I called back and spoke with a supervisor, again, I don't remember his name and he was apologetic and confirmed the numbers had been removed. I informed him that the complaint would be filed as they have violated several guidelines and as a consumer and debt collector of 9 years, I'm very familiar with the collection laws. I also received notice from a " reference '' that when they were called, " XXXX '' refused to identify themselves upon multiple requests for the company information and when the " reference '' instructed that their number be removed, the agent specifically told them " no '' and that the number would remain on file. I informed the supervisor of timestamps for the calls for reference to these violations. Prior to today, XX/XX/XXXX, I have not been in communication with " XXXX ''. I had no details informing me of who they were or to be expecting their call. This balance is certainly not worth the legal action I am very much so willing to take fir not XXXX or XXXX, but multiple violations and I truly hope they take the loss on my {$400.00} rather than having to pay out a nice chunk of hush money.

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

Dear Sir/Madam I have been a long time Target customer ; I used Target red card to do my purchases. Target used to send me the card statement in a paper format using the US mail. I have never missed or delayed a payment. I decided in XXXX to convert from paper format to an electronic format to save Target paper and money. I made a purchase in XX/XX/XXXX for the amount of {$100.00} never received any email notification to pay the bill. I checked all my email account history including the spam, did not find any correspondence from Target regarding the due balance. However, there were a number of advertising emails I received from Target. The only notification I got was a phone call onXX/XX/XXXX telling me that I have been a few months late and the balance now stands at {$170.00} including {$69.00} late fees and penalties. Target also tarnished my credit score which declined from XXXX to XXXX. I was very disappointed, paid the total balance on the spot, cancelled my account, shredded the card and decided to never buy anything from Target again. I strongly feel that I was mistreated by the Target organization and the action they took against me is unlawful and unjustifiable. Can I seek legal action against Target to restore my credit and to prevent this shameful incident from happening to other people?

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. My correct address is XXXX XXXX XXXX XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX

From approximately, XXXX, charges were made on my account on did not authorize. I have been disputing these charges for approximately 9 months now. 1 ) Company has refused to block the merchant until recently - doing so would have saved me additional 6 months of charges to my account equally of about {$90.00}. 2 ) company has refused to cancel the card and issue a new card stating " that they were reoccurring charges and they would still follow my account ''. Charges I have been disputing for approximately 9 MONTHS NOW! BIG 3 CC COMPANIES - XXXX HAVE DONE SO WITHOUT A PROBLEM. 3 ) Discover states they are only allowed to go back 4 months per agreement with??? Failed, refused, and ignored my request for PROOF OF SUCH AGREEMNT stating so either by Statute/Law/Regulation/Member Service Agreement in effect. To date I have been charged approximately {$240.00} for something I did not ever agree to, and I am only getting {$60.00} refunded. This is astounding, ridiculous, sloppy, and unprofessional. This could have ceased long ago. Discover takes no accountable or responsibility for what they failed to do, when they were notified of a problem on the onset. In addition, an investigation needs to be conducted as to why : 1 ) A consumer can not freeze their account. 2 ) Why a merchant can not be blocked from charging an account. 3 ) Why a card can not be cancelled and a new card issued. 4 ) why charges continue to follow and account even when its disputed or a card cancelled. 5 ) Why a company can refuse to provide proof of either Statute/Law/Regulation/Member Service Agreement in when challenging a company regarding a policy, especially one challenging a " 4 month '' rule for disputing charges for a longer duration. This is absurd and unheard of. I challenged this with XXXX and they lost. Charges going back longer than a year have been disputed and overturned because I won their challenge!

I simply need XXXX to adjust how the payments to my account have posted and refund one of my XXXX checks for {$2500.00} back to XXXX. Here is the history of the issue : My loan payments were applied incorrectly, despite my instructions. I have been working at my present job for over 6 months and should have an overpayment towards my loans, instead I have " 0 qualifying payments, which was exactly the situation I have been trying to avoid. I have been working at XXXX XXXX XXXX, in a XXXX XXXX XXXX job since XX/XX/XXXX, and my minimum payment under the PAYE program is {$360.00}. My account should now have an overpayment, but because my payments were incorrectly applied by XXXX, I am in default. My loans are at about {$240000.00} and my only way to repay them is to have them forgiven through Public Service Loan Forgiveness after the 120 months of qualifying payments. I spoke with XXXX, my servicer at the time, on XX/XX/XXXX, to make sure that a payment from the XXXX XXXX Education Award that was greater than my minimum would be applied towards future payments, and not go to interest. I explained that this was what I wanted, because I knew I only needed several months of payments covered by XXXX, as my law school has a loan assistance program that would kick in later. I also stated that the Public Service Loan Forgiveness Program employer certification form at page 4 specifically said it was possible, and I wanted to make sure I requested the loan payments correctly. That payment schedule also appears to be required by law, at 34 CFR 685.219 ( 2 ) ( attached ). XXXX confirmed yes, that if I made a payment larger than my minimum, that additional amounts would go towards my future minimum payments. I then made two payments of {$2500.00} each, which were received by XXXX on XX/XX/XXXX and XX/XX/XXXX, because the address that XXXX provided was different than the address that XXXX had on file and I wanted to make sure at least one payment went through so that I was not delinquent. Both payments went through. After I saw that both payments went through, I asked XXXX to refund one via calls and letters. However, they never refunded either payment. They said I needed to provide the bank account information and check number for the {$2500.00} from XXXX. I could not do that, for obvious reasons, though I did try calling XXXX to see if they could write a letter ( they could not ). The more pressing issue is that XXXX also did not apply either of my payments the way that I requested ( and which appears to be required under 34 CFR 685.219 ( 2 ) ), by dividing the payment into multiple monthly minimum payments of {$360.00}. In XX/XX/XXXX, my XX/XX/XXXX application to the Public Service Loan Forgiveness program was approved, and my loans were switched over to XXXX. XXXX could not see any payments from XXXX, and told me my loans were in default. However, they told me to wait, because the payments would eventually show if I had made them. Eventually, the XXXX payments showed up, but they had been applied in full towards interest in XX/XX/XXXX. XXXX then needed me to make additional payments to keep my account current. Throughout XXXX, XXXX, and XXXX, I called, wrote, and faxed documents to XXXX and XXXX to try to resolve the issues above. However, XXXX said they can not adjust the XXXX payments because XXXX has to do that. XXXX said they can not adjust the payments because the account is not with them. By XX/XX/XXXX, I was about {$1900.00} in default, even though I had paid {$5000.00} and my monthly minimum payments are {$360.00} under PAYE. My XXXX school program had kicked in, so I made a third payment of {$890.00} on XX/XX/XXXX from my XXXX school 's repayment funds and since I was worried about negative credit reporting, I released a fourth payment of {$1000.00} on XX/XX/XXXX from XXXX. In total, I have paid {$6900.00} towards my loans, even though only {$1800.00} should be due ( 5 months at {$360.00} ). I then released additional payments of {$360.00}, one is Thus, I have overpaid my loans by at least {$5100.00}, but until yesterday, my loans have been consistently marked as delinquent and I am at risk of negative credit reporting and I currently will not have my months of public service work counted towards my 120 qualifying payments under Public Service Loan Forgiveness. In late XX/XX/XXXX, I learned that XXXX has a consumer advocate, so I made a complaint to them. I explained the situation and they responded again that there is nothing they can do. They sent me a letter on XX/XX/XXXX, explaining the same things described above. I made a complaint about them to CFPB, but XXXX XXXX position is still that there is nothing they can do. I need someone to simply update my account to apply the payments as intended. I also need to have the {$2500.00} from XXXX refunded so I don't have to pay taxes on payments that I did not authorize.

I have a checking account with wells fargo. I had someone steal my debit card so I submitted several disputes. Wells fargo approved two of the disputes no problem and issued credits, but denied the other fraud disputes due to the fact that they " came to the conclusion there was no error in the transactions '', however the disputes were all for the same transaction from the same vendor. They approved two of the disputes for smaller dollar amounts the larger disputes they rejected. Now I got a letter stating they will be closing my account on XX/XX/XXXX, I want my money back for the other fraudulent transactions. Below is a list of the disputes, and the results. All of these transactions were made at a casino ; I did not authorize these transactions I Want my money back, please help. Wells fargo to date closed in total {$7300.00} XX/XX/XXXX - {$280.00} - closed no credits issued XX/XX/XXXX - {$1300.00} - closed no credits issued XX/XX/XXXX - {$1000.00} - credits were issued same merchant reported same date? XX/XX/XXXX - {$500.00} - credits were issued same merchant same date reported? XX/XX/XXXX - {$1000.00} - closed no credits issued XX/XX/XXXX - {$3600.00} - closed no credits issued, asked for an explanation none was given. XX/XX/XXXX - {$970.00} - closed credits reversed In addition I wells fargo reversed {$870.00} in credits with no explanation please help. In total I am still waiting on over {$8000.00} in credits that they failed to issue nor provide an explanation.

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Owed : {$150.00} ; XXXX XXXX Original Creditor : XXXX ) XXXX Balance Owed : {$250.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$760.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Dear Sir or Madam : On XX/XX/XXXX, the Complainant had received an email alert message from XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX which had stated : Your credit score changed on XX/XX/XXXX and is now within a new score band. New Credit Score Band : FAIR Previous Credit Score Band : VERY_GOOD. See Exhibit A. In which, the XXXX XXXX XXXX file XXXX Score had decreased by ways of XXXX ( XXXX ) points from XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, to XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, in less than XXXX ( XXXX ) days without Equifax adding any new revolving, mortgage, or installment debts accounts, as a legitimate reason for the Complainants XXXX credit file XXXX Score to had decreased by way of XXXX ( XXXX ) points. See Exhibit B. And, on XX/XX/XXXX, the Complainant had made an online purchase, in the amount of XXXX dollars and fifty-four cents ( {$19.00} ) using her second ( 2nd ) Fifth Third Banks secure credit card ending in the account number, XXXX, as the payment instrument. See Exhibit C. Also, the Complainant had paid off her Fifth Third bank secure credit card ending in the account number, XXXX debt, in the amount of XXXX dollars and XXXX cents ( {$19.00} ) dated on XX/XX/XXXX, that was paid before the Fifth Third Bank requested payment due date on XX/XX/XXXX which is stated onto the Complainant new Fifth Third Banks statement cycle dated from XX/XX/XXXX to XX/XX/XXXX, before the Fifth Third Bank could have determined the Complainant payment was a late payment ; in order to decreased her XXXX credit file XXXX Score from XXXX XXXX and XXXX ( XXXX ) points to XXXX XXXX and XXXX ( XXXX ) points should have not affected the Complainants XXXX credit file XXXX Score of XXXX XXXX and XXXX ( XXXX ) points. See Exhibit D. As a result, the second ( 2nd ) Complainants Fifth Third bank secure credit card ending in the account number, XXXX is the replacement card for which, an assailant who is unknown to the Complainant had made negligent, false and misrepresentation call statement to the Complainants Fifth Third Bank, lost and stolen telephone automated prompt messages system or to the Fifth Third Banks Disputes Resolution Department, telephone representative for which the assailant had unlawfully cancelled the Complainant first ( 1st ) Fifth Third Bank secured credit card ending in the account number, XXXX dated on XX/XX/XXXX without the Complainant lawful authority. See Exhibit E. Therefore, the Complainant is very concern about her XXXX credit file XXXX Score of XXXX XXXX and XXXX ( XXXX ) points dated on XX/XX/XXXX, which had greatly and considerably decreased by ways of XXXX ( XXXX ) points : 1. without any new revolving, mortgage, or installment debts accounts being added to her XXXX credit file account with a legitimate explanation ; and 2. after, the Complainant had paid off her Fifth Third bank secure credit card ending in the account number, XXXX debt dated on XX/XX/XXXX, from her new XXXX XXXX XXXX statement cycle dated from XX/XX/XXXX, to XX/XX/XXXX, and, the payment due date is on or before XX/XX/XXXX, should have not affected the Complainants XXXX credit file XXXX XXXX and XXXX ( XXXX ) points XXXX Score. Furthermore, XXXX should have not economically disadvantaged and disproportionately affected or effected the Complainants XXXX credit file XXXX Score, and the Complainant is questioning now, her XXXX credit file XXXX XXXX determination threshold calculation rate procedures which is inconspicuously decreased the Complainants XXXX XXXX Score by ways of XXXX ( XXXX ) points in a reduction credit without any legitimate explanations. And, Equifax should have programmatically coded and mathematically calculated the Complainants XXXX credit file XXXX Score without any human manually adjusted interferences towards correctly calculating the Complainants XXXX credit file XXXX Score. In conjunction with the Complainant is also questioning the XXXX XXXX XXXX ( IT ) noncompliance application for calculating the Complainants XXXX credit file XXXX score calculations instead of the manual human input XXXX score calculations practices in accordance to the Fair Credit Reporting Act ( FCRA ) contained in the Consumer Credit Protection Act of 1968 ( CCPA ) such as, the Truth in Lending Act ( TILA ) and, the Fair Debt Collection Practices Act ( FDCPA ) are as follows : Title 15 U.S.C. 1681c ( relating to the Requirements Relating to Information Contained in Consumer Report, Title 15 U.S.C. 1681g ( c ) ( relating to the Summary of Rights to Obtain and Dispute Information in the Consumer Reports and to Obtain Credit Scores ), Title 15 U.S.C. 1681g ( f ) ( relating to the Disclosure of Credit Scores ), Title 15 U.S.C. 1681g ( g ) ( relating to the Disclosure of Credit Scores by Certain Mortgage Lenders ), Title 15 U.S.C. 1981 ( i ) ( relating to the Procedure in the Case of Disputed Accuracy ) and Title 12 C.F.R. 1022.72 ( relating to the General Requirements for Risk-Based Pricing Notices ). The Complainant had analyzed, her Equifax credit file XXXX Score points and she had determined, learned and experienced from this second ( 2nd ) written complaint either XXXX or Fifth Third Bank has/had incorrectly calculated and reported the Complainant High Credit ( H/C ) limit purchased amount of the XXXX dollars and XXXX cents ( {$19.00} ) divided by the Credit Limit ( C/L ) which is incorrectly calculated and reported by either XXXX or Fifth Third Bank, as the C/L amount of the XXXX dollars and XXXX cents ( {$19.00} ). And, the XXXX amount divided by the C/L amount is equal to XXXX XXXX percent XXXX 100 % ) of the Complainants XXXX credit file XXXX Score that has maximized her threshold credit utilizations ; in order to become greatly and considerably decreased by ways of seventy-eight ( XXXX XXXX points. Instead of the correct C/L amount of the XXXX XXXX dollars ( {$300.00} ) which should have been calculated and posted, as the Complainants XXXX credit file XXXX Score mathematical denominator due from either XXXX or Fifth Third Bank who [ m ] had knowingly and willfully participated and acted into a said negligent, false, or misrepresentation statements for incorrectly calculating and reporting the Complainants Equifax credit file XXXX Score miscalculations. And, the Complainant C/L amount has/had been incorrectly calculated and reported into her XXXX credit file XXXX Score account that seems to be unlawfully well-masked into the Equifax database system which is inconspicuously appeared or shown, as the correct XXXX Score calculation into the Complainants XXXX credit file account when it is not the correct XXXX Score calculations ( See Exhibit B and F ) ; in violations of the Summary of Rights to Obtain and Dispute Information in the Consumer Reports and to Obtain Credit Scores, Title 15 U.S.C. 1681g ( c ) and, the Disclosure of Credit Scores, Title 15 U.S.C. 1681g ( f ), and, the Procedure in the Case of Disputed Accuracy, Title 15 U.S.C. 1981 ( i ), and the General Requirements for Risk-Based Pricing Notices, Title 12 C.F.R. 1022.72. And, as a result of either XXXX or Fifth Third Bank inconspicuously miscalculated of the Complainants XXXX credit file XXXX score C/L in the amount of XXXX dollars and XXXX cents ( {$19.00} ) are as follows : XXXX XXXX Score Incorrect Mathematical Calculation High Credit ( H/C ) {$19.00} divided by Credit Limit ( C/L ) {$19.00} Equifaxs XXXX Score Percentage 1.00 % If either XXXX or Fifth Third Bank had calculated and reported the Complainants Equifax credit file XXXX Score correctly than the Complainants XXXX H/C limit purchased in the amount of XXXX dollars and XXXX cents ( {$19.00} ) divided by the C/L which is the Complainants Fifth Third bank secure credit card ending in the account number, XXXX, credit limit in the amount of XXXX XXXX dollars ( {$300.00} ) should have been calculated and posted, as her Equifax credit file XXXX Score equal to XXXX percent ( 7 % ) which is below the XXXX percent ( 30 % ) threshold required by XXXX XXXX XXXX, XXXX in accordance to the General Requirements for Risk-Based Pricing Notices, Title XXXX C.F.R. XXXX that should have increased the Complainants Equifax credit file XXXX Score are as follows : XXXX XXXX XXXX XXXX Mathematical Calculation High Credit ( H/C ) {$19.00} divided by Credit Limit ( C/L ) {$300.00} XXXX XXXX XXXX XXXX 0.07 % Now, the question remains unclear is, what happen to the Complainants XXXX credit file XXXX Score, if the Complainant paid off her Fifth Third bank secure credit card ending in the account number, XXXX to a XXXX balance? And, does that means, the XXXX XXXX XXXX, XXXX or Fifth Third Bank has the lawful authorities or rights to decrease the Complainants XXXX credit file XXXX Score by way of XXXX ( XXXX ) points by reason of the Complainant paying off her Fifth Third bank secure credit card ending in the account number, XXXX account? Even though, the Complainants Fifth Third bank secure credit card ending in the account number, XXXX remains open or, either XXXX or Fifth Third Bank has/had made negligent, false and misrepresentation statements for reporting the Complainant XXXX credit file revolving account, as close when her Fifth Third bank secure credit card ending in the account number, XXXX account is not close. And, this is another reason why, the Complainants XXXX credit file XXXX Score is intentionally miscalculated and decreased by ways of XXXX ( XXXX ) points without proof or evidence from either Equifax or Fifth Third Banks Disputes Resolution Department who [ m ] should have provided a legitimate explanation. In addition, the Complainant can not retrieve her Equifax free weekly annual credit report online from the website annualcreditreport.com. After, the Complainant had entered of all her correct Personal Identifiable Information ( PII ) onto the XXXX website than she will receive an error message. And, on XX/XX/XXXX, the Complainant had uploaded into her XXXX account within her online dispute, copies of the Complainant actual identification documents such as, her North Dakota Real ID driver license and XXXX XXXX XXXX, as proof or evidence of her identity. Therefore, the Complainant should not have to provide, any copies of her actual identification documents, again. After, the Complainant had ready submitted those actual identification copies within her XXXX credit file account dispute online dated on XX/XX/XXXX. See Exhibit G.

XXXX blocked and deleted these accounts and updated my personal information. See attached for removals from XXXX. FTC report. Drivers License Along with previous ignored complaint

I would like to make a " goodwill request '' to have my late payment removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate my late payment with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need.

I would like to report that there are falsely placed information in my account. I already sent messages to the bureaus months ago but they did not do anything to remove and correct the false information in my credit. I attached the letter with the accounts written to this report i am making.

After an internal investigation, Discover Financial Services concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from Discover to XXXX and XXXX requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.

On XX/XX/2022 I was charged an overage fee, my account was low but not overdrawn. This however put my account into being overdrawn. I put money into the account on XX/XX/XXXX. I sent a message to Suntrust online account support and was told due to delays it would take 24-48 hours until I heard from anybody. Spoiler alert, I never did hear from them. My account was then hit with a 2nd overage fee, which wouldn't have happened if they corrected their error in the first place. Today I have been on the phone and on hold with them and the agreed that my account had not gone over balance that they would do a 1 time COURTESY refund. I told him that's not acceptable that their creative math is what caused the overage in the first place. It is predatory to charge someone an overage fee when their account is not overdrawn. After notifying " XXXX '' that I was recording our conversation and had my banking info that shows I did not go over I had to wait another length of time for a supervisor XXXX. After a lot of back an forth it seems that the money will be back in my account Tuesday if I have no more overages due to this. It is unfair for financial institutions to treat people this way.

EQUIFAX has violated my federally protected consumer rights Reporting Fraudulent accounts to my report.The Law Clearys States 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

The XXXX XXXX XXXX is not longer in business and cancelled its XXXX XXXX XXXX in XX/XX/XXXXof XXXX as the purchasing agency XXXX XXXX has their own XXXX XXXX account # XXXX. Almost a year of communication with XXXX XXXX resulted in them finally sending us more information on how to return the leased machine. We did so on XX/XX/XXXX via XXXX. We disputed any fees and verified that our written communication to end the lease was received as the new owner has NO liabilities on any previous service agreements/leases etc. When we finally closed the account with XX/XX/XXXXwe were told there was no fees due on XX/XX/XXXX Case # XXXX. The account was closed we were told. XXXX XXXX then referred the matter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we were contacted by XXXX XXXX on XX/XX/XXXX for account # XXXX. We spoke with the woman and disputed the debt. We then mailed her a USPS letter and e-mailed her at XXXX on/after XX/XX/XXXX a dispute and do not contact letter under the Fair Debt Collections Practices Act. The woman emailed us back that our dispute was invalid. he has continued to contact us, a place of business, even though we told her not to. She did so on XX/XX/XXXX at XXXX XXXX ; XX/XX/XXXX at XXXX XXXX and today XX/XX/XXXX at XXXX XXXX. This is harassment and a clear disregard of the FDCPA and we are reporting today to you all for further investigation.

The account is reporting inaccurate information. It is reporting Chargeoff but there is a monthly payment reporting. Also, the date last active on all 3 bureaus are different. XXXX is reporting XX/XX/2018, XXXX XX/XX/2018 and XXXX XX/XX/2018. All 3 should report the same date if not it means the information is incorrect. Lastly, there should be no late payments reported once the account is closed and I see the payment history listed with repetitive CO marks which is a violation.

Filed a dispute with the three credit reporting agencies, XXXX, XXXX, and Experian. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. XXXX and Experian.. Its not on XXXX. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on XXXX. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That XXXX is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one. Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank you.

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

XXXX ; XXXX and Transunion are reporting incorrectly a current balance due of {$23000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The original amount reporting is {$570.00}. ( Please see page attached from my previous credit report. ) Clearly there has been a typographical error in reporting. This account could not have gone from reporting an amount of {$570.00} to {$23000.00}. This incorrect reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this however, I have not been successful.

Hello, I have been trying to reach IC System since 2022 and I have yet to receive any response regarding the information I requested. Because I do not recognize this account I do not believe that this account is mine.

On XX/XX/2019 I faxed and mailed challenge letters to Experian in reference to accounts that are reporting falsely which are XXXX XXXX XXXX/ XXXX, DEPARTMENT OF DEFENSE , AND XXXX XXXX XXXX XXXX with all the account numbers to match. I asked Experian to investigate these accounts because they are reporting falsely. I listed the reason for the violation and what I wanted done which is for the items to be deleted. I asked after deleting these accounts to send me a COMPLETE and fully updated credit report. I included a tracking # and a paper trail # so that I can have these for my files. I also included supporting documentation that shows the inaccuracies and circled them in red as proof. I also including my identification to prove that I am who I say I am. The investigation was opened on XX/XX/2019 and the investigation was closed on XX/XX/2019. The date of status never changed for the XXXX XXXX or XXXX XXXX XXXX which is a violation for one and two shows that NO INDEPENDENT investigation was ever conducted which is a violation under the FCRA. For the DEPARTMENT OF DEFENSE account it states the item was updated from processing of dispute in XX/XX/2019 but I just challenged this account on XX/XX/2019 which also tells me no investigation was ever performed. I very upset and very dissatisfied with this company and how they are handling my credit and personal information and my rights under the FCRA. I want these items deleted from my credit report immediately because I have done exactly what was asked which was a letter 100 words are less stating the issues supporting documentation to go along with and what I wanted to be done and this has not happened

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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 corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

Jefferson Capital Systems , LLC I have asked them not to contact me and this account went from XXXX to XXXX it was XXXX that went to XXXX XXXX and now Jefferson Capital Systems they said it was back in XX/XX/2019 It's like every time I say stop contacting me they continue to sell the debt to someone else it seems like they are trying to find some loop hole

XX/XX/22 and XX/XX/22 both for lowes credit i did not apply for credit there lowes said nothing they can do

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, No. XXXX ( XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Dear Sir or Madam, 1. XXXX XXXX Account NumbeXXXX*** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as XXXX 60 days late on XX/XX/XXXX. I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX

Overcharged for insufficient funds. Refusal to assist. Closed my account wrongfully

I hope this message finds you well. I'm writing to discuss an issue with the reporting of my XXXX XXXX account on my credit report. The report for this account is not consistent. It displays no data for multiple months and, sporadically, it shows a 'charge-off ' status. This inconsistent reporting pattern suggests the information being provided about this account is not 100 % accurate. According to the guidelines under the Fair Credit Reporting Act, all data on a credit report must be completely accurate. In this case, due to the inconsistent and potentially incorrect information reported, it is clear that this standard has not been met. This inconsistent and potentially inaccurate reporting is negatively affecting my credit score. Therefore, I kindly request your assistance in addressing this issue by removing this account from my credit report until accurate and consistent information can be provided. Thank you for your prompt attention to this important matter. Best regards, XXXX XXXX

On XX/XX/2017 i opened a CitiGold Savings account which i was promised IN WRITING a 1 % interest rate for 3 months and a {$500.00} cash bonus after 90 days ; the {$500.00} bonus can not be located according to CitiGold Customer Service! i called the : Citigold Realtionship Manager at my branch ( a XXXX XXXX @ # XXXX XXXX XXXX ) ; the branch manager , XXXX XXXX @ # XXXX XXXX XXXX is on vacation XXXX claims she put forth an investigation, twice, yielding the same answer : there is no record of any {$500.00} bonus!! Compounding matters and unbelievably, i was informed XXXX put in the investigation- request to my checking account ( and not my savings account ) erroneously (?? ) Please help me get the {$500.00} due to me ; i am also requestiong an additional {$2000.00} for my work time lost and my extreme stress dedicated to trying to fix the problem entirely created and continually perpetuated by Citibank thank you very much XXXX XXXX

I have been a victim of identity theft

I requested proof of validation of a XXXX collection in the amount of {$930.00} on or about XX/XX/2008. It was place on my credit report by ENHANCED RECOVERY COMPANY. To my dismay, I did not receive proper verifiable information.This isn't my first complaint to this company. I complained to them for failing to reach me prior to putting this collection on my report. And was told by ERC that i fail to answer phone or phone was disconnected which is untrue! The bill that was mail to me fail to show what i legally owe if anything, nor did it show i was liable for the collection. Under federal law this collection is considered time-barred debt. Federal law states the statue of limitation is 2 years ( service calling ) and 5 years for cost of phone, equipment and taxes. This been going on for 2 years and 11 months With that being said the balance that is reported is wrong. Never did i receive any notice prior to the collection being put on my report. FDCPA states debt validation should include account statements from original creditor, payment history with the original creditor or a copy of the signed contract between the original creditor and debtor. 15 U.S Code S1692g. validation of debts 5 ( b )

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

The auto loan for {$100000.00} was extinguished in a chapter XXXX filing Open accounts in good standing Based on your credit report TOTAL OPEN BALANCES {$110000.00} {$520.00} CREDIT CARDS $ {$2500.00} REAL ESTATE {$0.00} AUTO LOANS {$100000.00} STUDENT LOANS {$0.00} OTHER LOANS {$0.00} COLLECTIONS {$0.00}

My name is XXXX XXXX XXXX. I am a victim of identity theft. I did not authorize these accounts. These accounts are fraud.

XXXX XXXX XXXX was paid and account is closed XX/XX/2019 and I have a paper from them stating Im at XXXX balance and I also have certified copies from the courts saying the judgement was settled.

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}

I have tried to get XXXX card to remove an account that is listed on my credit. It is not now, nor has it ever been my account. I have put more then the recommended amount of effort into it. I have at this time exhausted all resources, all abilities, and it is to no avail. Please help me get XXXX to remove this account that does not belong to me. This is in reference to another complaint filed. It was stated that a police report was never provided, when it was. It included my cellphone number, and email being hijacked. Please see attached report, along with the attached warrant that was issued for the person that conducted the ID theft.

I was jotified of a collection on my credit report in XX/XX/2021. I contacted the collection agency for more information and determined that the debt was a result of identity theft and was referred back to the original creditor, XXXX XXXX, to dispute. I contacted their customer support via phone and was not adequately assisted. I have filed a police report regarding the identity theft. Yet XXXX XXXX will not assist me in removing the negative item

To Whom it may concern, I had a student loan with ACS-education for about four or five years that I paid on time faithfully. I attended XXXX XXXX XXXX in XXXX in the early XXXX. I did complete the XXXX XXXX course but had a real tough time finding a Job that I could pay bills let alone a student loan back but with my ignorance I let the student loan go into default after deferring as long as I could once I was able to get somewhat on my feet I tried to get back to fixing my credit to be a homeowner one day and I was pushed to ACS-Education where I was making payments that I really could but if I didnt it would hurt my credit and I would not be able to buy a house. There were times when I did my taxes that I was able to pay a little extra. When I would ask for my loan to reflect my pay, they told me repeatedly No I must pay what they asked and if I was paying {$370.00} only {$50.00} was going to my principle. It was a horrible experience. After getting nowhere I was forced to consolidate with a private company and got a break on interest being pay and more money has been going to my principal. I tried to look up my account on ACs-education but found that were sold to another company I still have my account number but can't get into site for information. ACS-education was never user friendly and only took advantage of me in my situation. ACS managers never helped me and only took my money.

There is an account reporting for a collection/chargeoff that does not belong to me. I have sent numerous letters to all three credit bureaus to investigate this account and all they do is say it's been verified with no dispute results or proof that the collection was validated. I know it couldn't have been validated because this account does not belong to me!!! XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}

In 2007 XXXX XXXX and XXXX sent recruiters to high school classrooms giving them an air of legitimacy. I showed interest as a XXXX XXXX XXXX and was aggressively marketed to, including multiple calls during school hours. Many claims were made by recruiters about accreditation and legitimacy of degrees. Excited to have been accepted in to a school with an allegedly good reputation I took out a federal loan to pay for part of my education. I took out around {$30000.00} as a fresh new adult. In the more than decade after graduation I have gone from entry level job to entry level job. Barely being able to access health insurance. The XXXX XXXX that seemed so important had counted for very little and making even the lowest payments has been a challenge. My interest rates have left me with more than {$10000.00} more debt than I started with. Loan servicers have bought and sold the debt multiple times making it difficult to keep track of. I feel that I have been scammed and that the federal government has legitimized it. Even after XXXX and XXXX have been listed as bad actors this debt has grown and stunted my ability to take major milestones in life. I was further insulted when after organizing with other student to amass our stories and data to show this fraud we were denied in blanket denials from the department of education. These predatory loans and schools should not be accessible to high school students trying to make their lives better and follow the instructions put out by their peers and educators. I thought I was bettering myself not damning myself by getting an education.

My credit card was charged with transactions that are NOT mine. Mostly in the form of cash advances which I don't use. The bank has declined my dispute, please help me. TD is not protecting my credit / funds and it is destroying my credit and spending money I dont have. They have told me It is my responsibility to request camera footage from bank ATMs. I need guidance so this stops and to recover from the fraudulent transactions. Please help.