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Checking or savings account

I tried to link my PNC account with another bank account online. But. PNC does not allow me to do so even though I have been verified as the owner of this PNC account many times.

Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX or YOU. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. The letter you sent was to a address I never lived at before. I do not have a sister and never have. This is proof that someone is impersonating me.

Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX has violated my rights. 15USC 1681 Section 602 States I have the right to privacy. 15 USC 1681-2 Responsibilities of Furnishers of information to consumer reporting agencies. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Credit reporting, credit repair services, or other personal consumer reports

I used part of my stimulus to pay off credit card debt and my score plummeted by 69 points on TransUnion and XXXX. I was alerted by XXXX XXXX. It's very obvious that the system does not calculate credit scores accurately. I have a 100 % record for paying timely. XXXX is not involved with XXXX XXXX and shows the score over 600.

Credit reporting

I want to disputed Delinquent past or present credit obligations and excessive utilization of revolving credit and derogatory past

Money transfer, virtual currency, or money service

Hello, I will refrain from stating my name but I am a XXXX XXXX on XXXX XXXX In XXXX with 15 years of service. Below are the details for my complaint to the CFPB with PayPal, which I have been using for nearly 8 years. I stated my military career because I want to show that I am retiring in 5 years and plan to become a XXXX and XXXX XXXX full time and having access to PayPal is going to be Very important in order to have a successful career as both. Currently my military pay is more than enough to sustain me but receiving payments for XXXX and XXXX on the side helps build my future careers while still maintaining a military career/lifestyle. Sunday, XXXX XX/XX/2022 my girlfriend and I had a conversation about her PayPal account being locked and her no longer being able to conduct business on PayPal. She sent me a screenshot of the email they sent her and this poses a problem for her because she is a XXXX on XXXX and uses PayPal as a medium through her XXXX software ( that almost every XXXX XXXX uses ) to receive donations from her viewers and followers. She has been doing XXXX for almost 4 years now and has never had a problem like this before. This is important because she had planned to start a XXXX later in the day for 12 hours and in order to do that she needed her PayPal account to be active in order to receive donations but PayPal wasnt going to on banned her. So I gave her my PayPal email so that she could use my active PayPal account in order to have a successful XXXX and be able to receive donations like she normally does from XXXX. So the XXXX began and immediately a user donated {$150.00} to my girlfriend through XXXX which went into my PayPal account. I received an email notification at XXXX EST From PayPal saying that XXXX XXXX transferred {$150.00} to my PayPal because that individual donated {$150.00} to my girlfriend for her XXXX. I received another email from PayPal immediately at XXXX following the previous email from PayPal stating as the title you can no longer do business with PayPal. Apparently I had broken their user agreement by receiving {$150.00} from somebody through a XXXX service that is legal. My PayPal is mainly used for now XXXX and also a means for people to transfer money or pay me for XXXX that I provide them. As I am also a XXXX XXXX and have been for eight years, it is a lot easier for people to pay digitally via XXXX XXXX XXXX, or PayPal for the services that I provide them when they receive a XXXX. Aside from the normal paying people back money or buying an XXXX for my cousin, my PayPal transactions are 100 % legal and normal. There is no fraud or suspicious activity related to my PayPal account. The only thing I can think of is that PayPal flagged my account for being associated with XXXX XXXX, the software program that my girlfriend uses to setup donations from her XXXX Mind you this is exactly what happened to her as well and all she does is use it for XXXX on XXXX. So today, Monday XXXX XX/XX/2022, I called PayPals customer service line, XXXX, at XXXX EST and put my phone number on a call back waitlist to able to speak to a representative. The wait time was between 2 1/2 hours to two hours and 48 minutes so I decided for them to call me back. At XXXX EST, I received a callback I was waiting for from PayPal. When I answered the phone I was prompted that this telephone Conversation may be recorded for training purposes. Upon connecting to a representative, XXXX ( she was unable to give me her employee ID due to it being against PayPal policy ) I informed her that I was also going to record a telephone conversation in order to provide it as evidence or supporting documentation with my complaint to the Consumer Financial Protection Bureau. Her response to that statement was a question of but what if i doesnt agree to this to which I explained why I was doing it and why it was pertinent. After hearing my reasoning we began our conversation. I wanted an inquiry as to why my account was banned for legal transactions. She pulled up my account and was only able to tell me about the email that was sent and my actual account transaction history. She explained that she has no knowledge or any information on why the band nor could she find any reason. She said she does not have access to that stuff and after hearing that inquired about being transferred to a higher headquarters or some sort of department that could tell me that, and her response was that there is no other department. After asking multiple times who makes that decision she told me that its the back office to which I immediately asked if I could speak with him and her response was no they dont except calls only way that that can happen is if she emails them on an internal email that I could not be CCed on. So I requested her to send the email and provide me some sort of tracking number or trouble ticket number to which she could neither provide nor give me a reason as to why they dont have that type of process in place. This whole thing just seems sketchy and completely illegal for PayPal to just do what they just did to me and my girlfriend and I am sure many other people. I would like my account to be Unbanned since I am only using it to earn money on a XXXX XXXX and also for my XXXX XXXX which are all legal. I would also like to have access to the funds in that account and be able to transfer them to my bank or return them to the people that something to me. I will attach copies of the emails that I received in the recording of my telephone conversation in the event that the CFPB can not gain access to the PayPal recording of our telephone conversation. Please help me I just want to be able to XXXX one day full-time and make money doing what I love as well as be a full-time XXXX XXXX and having PayPal is kind of a necessity since everyone uses it but also I find that this is completely unjust and that they have made a mistake.

Debt collection

Receive daily calls from this company. They have the wrong person. I tell them this daily. They say they will take my name off. I continue to get daily harassing phone calls.

Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ) in regards to a letter dated XX/XX/XXXX advising that I had 30 days from date of the letter to take advantage of a {$390.00} but sold the account to XXXX XXXX XXXX on XX/XX/XXXX. when I called to pay the account I was told " it was sold and the could not honor the offer '' I asked why would a settlement offer be extended, consumer calls to accept within the terms of the offer ( 30 days would be XX/XX/XXXX ) but not accept. I believe this letter was sent erroneously since XXXX XXXX didn't agree to the terms of this letter. I feel that this account could've been recalled from XXXX and handled internally with XXXX as I called within the allotted time of the offer letter. It is also my believe that XXXX is doing this to THOUSANDS of consumers which cause another derogatory trade line on consumers credit reporting.

Credit card or prepaid card

American Express won't let me use my points " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' No one can tell me when me and my partner will be able to redeem the points. Given various reasons for the hold. We made a complaint and still haven't heard anything.

Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the Equifax breach and I feel my information may have fallen into the wrong hands. Please delete immediately.

Credit reporting, credit repair services, or other personal consumer reports

I disputed an accounts reported by your company in the file you maintain under my Social Security number XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX,XX/XX/XXXX I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XX/XX/XXXX Please govern yourself accordingly.

Bank account or service

I deposited a check with mobile phone feacture for a payment check received for my XXXX daughter to my Wellsfargo. Money posted to my account and I tranfered the money to my XXXX 's account. The check turned out to be flaudurent and both our accounts were immediately frozen for all activities pending to be closed in 10 business days. I was not alerted about this action until when I tried to post an online transaction and could not therefore I called the customer service. I went to one of Wellsfargo branch, gave the copy of the check and I opened a police case. I have been a customer with the bank for over 22 years with no issues, and when they froze my account, all bill payments scheduled were not sent although I had positive balance. When Wellsfargo processed return check transaction, a return check fee was posted aganist my account. Also they posted an overdraft charge fee since my current balance did not cover the returned check vallue. I called Wellsfargo and requested them to move the funds from my XXXX account since that account had the money for the posted check and also to remove the overdraft charge but to no avail. Both my and my daugher accounts were closed with no consideration at all especially after being a customer with them for over 22 years and since I was a victim of flaud myself. Wellsfargo sanded me with transactions fees over {$50.00} dollars, my accounts are now closed and I am waiting for the check for the account balance. Their customer service was horrible and the last agent I spoke to hangup on me. I feel violated both by Wellsfargo and the papetrators of the fraud. Wellsfargo should evaluate each case by facts and not have a one policy for all.

Credit card or prepaid card

I paid off my balance of money owed of about {$77.00} in XXXX of XXXX and had not used the card since that date due to an Natural Emergency ( water damage to home ) that resulted in my becoming flooded everytime it rained and caused me to get into debt to get home repaired. This forced me to cut back on unnecessary expenses to pay off that debt, and I am at the present, at the half way point. Now I have shopped at Target but just used cash and not credit to temporarily offset a monthly billing. But my problem is, that today XX/XX/XXXX, I received an alert form the credit bureau that my account 's credit line was reduced 50 % so I then called up customer service for Target and inquired about the negative action that had been taken against me .They informed me that since the card was not used since XX/XX/XXXX, was the only reason for the negative action that they had taken against me, irregardless of my other emergency. I had no luck with trying to discuss the matter. This is not fair when I try so hard to be financially responsible and always pay my debts in a timely manner with no late payments or bankruptcies. If Target does not restore my original credit line, I will be negatively impacted by all three credit bureaus by decreasing my credit scores!

Credit reporting, credit repair services, or other personal consumer reports

I feel I'm a victim of XXXX XXXX XXXX ( XXXX )

Vehicle loan or lease

My new XXXX XXXX vehicle became stranded in XXXX , Florida on Saturday, XXXX XXXX , 2017 . My lease supposedly includes full roadside assistance. When I called roadside assistance I was advised that because my car was physically off of the road there would be a {$99.00} charge payable up front to Mercedes Benz in o rder for them to call a tow/winch service. I made full payment of {$99.00} by MasterCard with Co nfirmation Number XXXX . Mercedes Benz called a tow/winch truck after payment. Upon arrival at my vehicle, I was advised that I had to pay an additional {$100.00} in cash plus a significant tip as there was no record of any payment to Mercedes Benz transmitted to the tow/winch service. If I had not had the additional {$100.00} IN CASH, I would still be stranded. The tow/winch service would not accept a credit card payment despite Mercedes Benz assurances that the entire fee was pre-paid as a result of their charge. Mercedes Benz also gave incorrect and inaccurate information regarding the issue at hand and the remedy needed. I was more than double charged for an item that should have been included in my regular service. In addition to the {$99.00} charged by Mercedes Benz, the company Mercedes Benz called to actually render the service made me pay a second time in the amount of {$100.00} plus a substantial tip to the driver of the service vehicle to stay and resolve my problem since Mercedes Benz had given wrong information to the service provider hired by Mercedes Benz. Mercedes Benz knowingly and intentionally obtained funds by credit card by means o f deceit and fraud in violation of the federal UDAAP statute and the Florida statute.

Credit reporting, credit repair services, or other personal consumer reports

I've sent dispute to the credit agencies and the lender which I do not recognize.

Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX.XX/XX/XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXXXX/XX/XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX, ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. CREDIT AGENCIES AGREE TO WAIT BEFORE ADDING MEDICAL DEBT TO RATINGS XXXX XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX v. XXXX XXXX XXXX XXXX Account # XXXX At this time I make the claim that the medical debt procured against me on any or all credit reporting agencies, should be deleted permanently. Too many consumers have learned the hard way that their credit rating can be tarnished by medical bills they may not owe or when disputes delay insurer payment. That should change under new policy agreed to this week by the three major credit reporting agencies. The agencies say they will establish a 180-day waiting period before medical debt is added to someones credit report. In addition, the agencies agreed that when an insurer pays a bill, the debt will be promptly removed from the consumers credit report, unlike certain debts that remain for years. The changes are part of a settlement between the credit rating agencies XXXX, XXXX and XXXX and the New York Attorney Generals office that aims to improve accuracy and enhance procedures for disputing credit report errors. The agreement covers consumers across the country. The three agencies gather information from banks and collection agencies about consumers credit such as payment history and how much someone owes to credit score for more than 200 million individuals throughout the country. A persons credit score is used as a measure of credit worthiness, and can influence peoples ability to get loans and the interest rates they are charged, among other things. This is going to help millions of people access more affordable loans, says XXXX XXXX, a principal at XX/XX/XXXXXXXX in XXXX XXXX, Mass. People will no longer be penalized for having a medical bill slip past them and get on their credit report even though the bill gets paid. Insurers sometimes wrangle with patients and providers for months before paying a bill. The new six-month waiting period will give consumers time to resolve such disputes, XXXX noted. Medical debt accounts for more that half of the collection items on credit reports, according to a report by the Consumer Financial Protection Bureau. Among people facing collection for only medical debt, about half have otherwise clean credit reports with no sign of past debt collection problems. On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX

Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX RECEIVED THE LETTER.

Debt collection

I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. I C SYSTEM INC XXXX This collection is the result of Identity theft. Please Delete Immediately!

Credit reporting, credit repair services, or other personal consumer reports

I was involved in an XXXX XXXX on XX/XX/XXXX. I treated for this injury from XX/XX/XXXX until early XX/XX/XXXX at XXXX XXXX and I was under a letter of Protection. I should not have been billed for these services but I have been continuously billed for them.

Credit reporting, credit repair services, or other personal consumer reports

Re : This is not a regular dispute. Take action immediately you are in violation. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints 1. ) As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 2. ) Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC

Credit reporting, credit repair services, or other personal consumer reports

ALL ( 3 ) " CRA '' REPORTING INCORRECT OUTDATED SINCE 2013 AND " PACER '' DATA OF ACCOUNT NOT MINES ... .. CHXXXX BANKRUPTCY ID # XXXX AND DUPLICATED OF VARIOUS OTHER ACCOUNTS REPORTED UNDER THE SAME AS BANKRUPTCY ... ID FRAUD ACCOUNTS " : BANKRUPTCY XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX/ XXXX, XXXX XXXX/ XXXX, XXXX XXXX '' .. REMOVE ALL FRAUD ACCOUNTS FROM CREDIT FILE ASAP.

Payday loan, title loan, or personal loan

My account has been in a dispute queue since XX/XX/2019. The company continues to have me make payments of a falsely advertised product that is a Ponzi scheme. The product is from XXXX ; who makes a molecular hydrogen machine that does not produce as advertised. It also requires filters to be changed every 9-12 months that was never mentioned when purchasing. This is a health hazard. I demand to not be charged for this product that I am not even using anymore due to health concern that may arise. UCFS clearly did not do their due diligence when taking over the loan. They are just as responsible for this machine as XXXX. I especially should not be making payments while in a dispute process. Multiple loan companies have forgiven loans for this product because of the reasons mentioned above. There has even been an XXXX article about the bogus product this machine is and the loan companies who have stood beside it. Some are now distancing themselves and lawsuits are occurring. Shame on UCFS for continuing to take money from the sick and poor. I have made several attempts to resolve this matter with UCFS to no avail. I have made payments for the amount of {$360.00} since XX/XX/XXXX. I want that money back and to have my loan forgiven immediately.

Mortgage

Started application XX/XX/2020 for a refinance, paid {$500.00} upfront app fee. Was informed process would be about 4-6 weeks tops. Maybe 8 weeks with COVID delays but never did we agree on a four month process. Little to no communication from Loan Originator, no real explanation for delay, emailed me in XX/XX/2020 that we are certain to close on the loan, yet still no information on status. Confirmed that everything is good but still no closing. I have provided everything they have asked of me the same day. Unable to get in contact with corporation, no contact with underwriting, inconsistent contact with loan originator. Recent email states company is facing capacity issue. Sending same documents month after month with no success. The process is deceiving. I have all emails of me trying to get answers that go weeks ignored, to then only turn around and ask me for the same documents over and over. I have all supporting documents for my claims in email format with personal information such as SS #, bank stmnts, ect, will supply if necessary.

Checking or savings account

I bank with Bank of America foe receiving royalties via EFTs depositing to my account from XXXX XXXX XXXX XXXX, XXXX and XXXX. Its all one long named elusive situation that needs to allow the author the ability to see transaction, Instead the author has to check a royalty page that is not good ledger record keeping of transactions, even the failed. There is no record of EFTs that have deposited and been returned, there is no record of XXXX payments deposited or returned. There is no record of XXXXXXXX XXXX XXXXXXXX deposits or returns of ETF or any other parties that may have associated royalty transaction records. And get this the author is paying for all these transactions with no itemized record of EFT transactions from his royalties or from the bank, unless possibly requested. Seriously CFPB needs to get publishers and bank to give the lowly author an account of transactions being priced with fees that no one can produce on an itemized regular basis. The author could be charged and no one never brought it to their attention. As a matter of fact the author could be charged by the Publisher and the bank. Transaction as well as payments should be accounted for to track fees and payments for both big entities siphoning money from authors. there may even be tax implications hidden in unrecognized fees and hidden to writers, some not well versed, such as self publishing ones. Transaction accountability of at least how many should be reveled in the record of publishers royalty statement as well as payments, if not what was returned monies/royalties without the author ever knowing. Banks could make agreed millions from royalty transaction fees paid by authors that never received a dime. So I would like an account of all transactions and fees from and to XXXX XXXX XXXX XXXX - XXXX XXXX : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX - And XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and others including Distributors. Also, I would ask the publisher/distributer please give an indication of who they are as specifically as possible involving EFTs because often the parties use general terms and code that the author/writer/consumer reading their statement can not identify the royalty related companies name for transaction. This is a wild out of control set of records concerning money and transactions should be the main record as well as payments received, returned, voided and failed EFTs. Someone could be robing writers for years. I need the EFT records of transactions and fees of these XXXX to XXXX if possible. I want these factors noticed because there are too many possibilities consumers could be getting ripped off by publishers and distributers for years.

Credit card or prepaid card

In XX/XX/XXXX, I notified Best Buy that I did not agree to a monthly charge for debt protection program. Customer Service Rep told me that I signed up for the service in XX/XX/XXXX when I opened the account. This is a deceptive advertising because I did not agree to this monthly charge. I asked the rep to remove monthly charge from my account and to refund all the months I received the charge. Rep indicated that it would take 30 days for a decision. I received a letter after 3-4 days indicating that I would not receive a refund. I have researched the internet and found that in XXXX Best Buy Citibank was supposed to refund all customers for this deceptive practice for debt protection. I do not recall receiving a refund and dont understand why they did not remove the service from my credit card. I would like a full refund from all the months I incurred this charge.

Debt collection

Portfolio recovery has recently been involved in a class action lawsuit for using outdated statement of claim in Georgia Magistrate Courts. I was included in this class action suit per Portfolio Recovery sued me for an alleged debt that I disputed and did not owe. They settled this lawsuit to avoid litigation, but continues to report this debt on my credit reports It is listed on my XXXX credit report as an open account with {$850.00} owed, but is showing on my XXXX credit report as still open with only {$600.00} owed. I have not made any payments to this company towards this account per I have disputed it several times.

Mortgage

On XX/XX/XXXX I called Webster Bank in XXXX MA to convert my home equity loan I have had with them for 5 years. At the time of the mortgage I was given a pamphlet giving the terms of this option. It was explained that this was very good and no other banks off this. I called on XX/XX/XXXX saying I wanted to exercise this option which reads. " We wiil charge you a {$95.00} fee whenever you exercise this option. " and " Here is how we will determine the fixed interest rate that will apply to a Conversion Option. '' It describes caps XXXX XXXX and floors XXXX XXXX further, " we will offer you the fixed annual interest rate we are generally offering to to eligible members of the public when we receive your conversion option request, for fixed rate equity monthly instalment loans for the principal amount and term you request '' The bank ( head of mortgages XXXX XXXX XXXX refuses to honor this agreement ( I asked for and received a copy of the signed original agreement and it is the exact language as the pamphlet. XXXX XXXX says, " She doesn't want to read the agreement '' and You can not get a mortgage without a closing cost. The advertised fixed rate mortgage on their website was XXXX XXXX on XX/XX/XXXX. I am asking that they honor the terms and conditions of the agreement with them and XXXX XXXX refuses to do this.

Credit card or prepaid card

There are 8 commenity bank store accounts on my credit report. None of them are mine. I found out about this after a summons was sent to my house for two of the accounts that were purchases by XXXX XXXX. I responded to the summons saying these aren't mine and I've never been in a XXXX or Victorias Secret in my life which to this day is true. At the time a lien/judgement would have been devastating to the prospects of buying my first home but i didnt have the money to settle until a year later. The damage has been done and now I'm paying for it still. Despite these not being my accounts. I'm here asking the CFPB to help with this matter. Commenity is reporting 8 accounts on my credit reports. 2 were used by someone and the other 8 were never used but still remain on the report. I did not open, sign up for or use these accounts. XXXX Victorias Secret XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the lawsuit in 2018 I provided a response saying exactly this and what happened is they provided me with statements. But statements do not prove I didnt sign up for these accounts. I was told the burden of proof is on me. I was only made aware of these in 2018 when I was sued. The 6 other accounts show a perfect standing on my report but i want my report to be accurate. These are not my accounts.

Credit reporting

I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX Firm and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to XXXX XXXX XX/XX/XXXX. Since this account was paid in full in XXXX XXXX, it is MORE THAN 7 years old and the good credit is the correct reporting. On each and every credit report it is duplicated and now in triplicate with XXXX XXXX showing up as well as XXXX with XXXX negative and XXXX positive for the same account number. I do n't understand why number an account that is paid in full was sold to an outside collection agency and why can both XXXX and XXXX funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XX/XX/XXXX.

Credit card or prepaid card

Enclosed you will a complaint against Chase Freedom card who closed my account without notice during this pandemic. I am a XXXX XXXX veteran. I reported to XXXX XXXX on XX/XX/XXXX to attend basic combat training at the United States XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. After completing the nine-week basic training course, I was transferred to the XXXX XXXX XXXX XXXX XXXX at XXXX XXXX, XXXX. I graduated from the XXXX XXXX XXXX XXXX in XXXX of XXXX and then completed XXXX XXXX at XXXX XXXX, XXXX. Amazingly, I XXXX twice in XXXX years to XXXX. During my years of service, I received the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and XXXX XXXX for the XXXX XXXX and the XXXX XXXX. For the last two year, I have worked in XXXX with XXXX with XXXX. Last I saw physically was I have a credit due to me in the amount of about XXXX dollars on this account. Will you tolerate them closing my account during this time period. I recall using this card.

Debt collection

I have a debt with XXXX for an old XXXX card, my debt was sold to a company called midland financial. In XXXX of XXXX I recieved a letter informaining legal actions will be taken to receive money for the debt, however i could stop this if i call there legal office and set up an arrangement, which i did on XXXX/XXXX/XXXX and the first payment of XXXX dollars was made on XXXX/XXXX/XXXX and after that until XXXX/XXXX/XXXX monthly payments of XXXX dollars was made on the account. Now when i set up the arrangement last XXXX i informed the rep to leave notes that I would be laid off on XXXX/XXXX/XXXX, i was informed to contact the company when it close to that day and I did on XXXX/XXXX/XXXX. The manager who took the recored calla and I asked him to leave notes on my acct said he will have the last payment come out on XXXX/XXXX/XXXX and he stop all other automatic payments and he would send me new paper work and that i had to return with my termination letter. Now as of yesterday XXXX/XXXX/XXXX I received a credit monitoring notice information me i had a judgement on my record and it was found it was placed by Midland with the county of XXXX in Virginia on XXXX XXXX XXXX ( while payment were being made on the acct ). I called the company and asked why this had taken place they said because I stop making payments and that I didnt return the paper wrk that was sent to me ( this is the paper work i have been waiting on ). It was later discovered that they sent said paper work to an old address of XXXX XXXX va and not the address that all my payment reciepts have been coming to of XXXX XXXX XXXX XXXX va.

Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there are several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my report as soon as possible

Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to deletXXXX immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Mortgage

I became ill and was unemployed. I struggled making house payments and went through XXXX XXXX to get myself back on track. I was told to become delinquent and they could assist with modification. Once I was through the modification with XXXX XXXX, the loan was transferred to ShellPoint Mortgage Servicing. I am in the process of refinancing and was told by my lender that I owed a much greater amount then projected as I have a {$21000.00} deferred principal balance. I am confused as in 2014 upon approval of the modification, I have a document that shows my Principal balance as {$61000.00} - as of XXXX see attached. The payoff shows my principal balance as {$47000.00}, deferred {$21000.00} and a few fees which total {$69000.00}. I along with my lender have called numerous times to find out why the principal increased but no one seems to be able to provide a clear explanation or provide the documentation to show where the difference is coming from. They have indicated fees but have no idea what the fees are from as I was told the late fees from the past mortgage company would be forgiven. Nonetheless, before paying off Shellpoint, I need a clear explanation how the balance went from {$61000.00} to {$69000.00}. Any assistance would be appreciated as I am not able to get any where.

Debt collection

once again synchrony has not or refused to understand that my id was stolen months ago and they would not do anything about it I filled and called the police about it. this bank refuses to do anything. I told them that lowes the store that has the card with this bank told us at a store in XXXX Indiana that someone stole it. we had our house robbed and they stole my id. we done everything right had are with XXXX XXXX XXXX because of what happened I have not gotten a bill from synchrony bank at all about the account. they told XXXX XXXX XXXX that they could not find any of the accounts. they know we have been with them because they talked to them about other accounts and was going to the fraud department. that they would get in touch with XXXX XXXX XXXX. there for it will be looked after. XXXX XXXX XXXX who I talk to a XXXX and a XXXX from sychrny bank said there was no other accounts under the XXXX store that she thought maybe they went to the fraud department at the bank .there foe she told them and I that there was no way of tracking it down. then today XXXX/XXXX/XXXX I get this from XXXX XXXX XXXX XXXX. synchrony bank never sent us or XXXX XXXX XXXX that they turned it over how could they if the girl could not find it. they new 19 months what was going on. now this it was sold to them last month on XXXX/XXXX/XXXX

Credit reporting, credit repair services, or other personal consumer reports

I have done everything in my power to have these accounts removed. These derogatory accounts have been paid and settle properly upon the settling terms. The accounts initially went negative due to the effects of Hurricane Harvey. I still did my part and paid as promised. The companies are refusing to remove the account from my report. The accounts are old and need to be removed so I can move on with my life and continue to prosper and finish my revery process. XXXX, XXXX has stated that they do not remove accounts from the credit report at all which I know is not true. The account was opened on XX/XX/XXXX and closed and paid XX/XX/XXXX. TD bank/targetcred has not responded to none of my letters or inquiries. The account was opened XX/XX/XXXX and closed and paid as agreed upon XX/XX/XXXX. I have done my part I need these accounts removed.

Checking or savings account

Hello I have or had a checking account with Wells Fargo and since its not my primary bank and have no active deposits they took it upon them selves to close out my account.

Debt collection

I have received several calls after this debt has been paid. Also ; I was told that the debt would be removed after the debt was settled.

Credit reporting, credit repair services, or other personal consumer reports

hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Credit reporting, credit repair services, or other personal consumer reports

My XXXX year old mother just contacted XXXX to freeze her account. Because she is XXXX and has XXXX she could not answer all of their XXXX questions, let alone the fact she does not know what my nephew, her grandson has opened in her name as far as loans and/or credit cards. Sure, they can breach all her information and mine, but NOOOOOOOO, because she doesn't know all their XXXX answers to questions that may or may not contain real information, they REFUSE TO FREEZE HER ACCOUNT. I hate them and the way they treat real people with real problems. And as for your company, you are no better. I asked you to help me stop this same nephew from stealing from her PNC Bank. You in turn gave it to PNC Bank to investigate. They in turn called me and said point blank they didn't answer to you or anyone and the results of the investigation would never leave PNC walls. So basically, you both protect the criminal and not the victims. Great. Thanks alot.

Mortgage

PNC Mortgage Loss Mitigation wo n't give me any information regarding countless declined Short sale offers. They hold on to offers then decline and not counteroffer stating it 's too close to sale date. We have submitted latest offer at PNC 's BPO 's value and no one will look at it nor help with getting sale date extended. We have been trying to work with the servicer for past 6 months and get no information except declined. Our sale date is Monday XX/XX/XXXX and really need help getting to a decision maker. Supervisor over loss mitigation wo n't return phone calls. This foreclosure litigation has been on going for almost 5 years because PNC could not prove standing. It has been a nightmare and never once have they reached out to help mitigate the foreclosure. PNC is subservicer, XXXX f/k/a XXXX mortgage is Master Servicer Investor is XXXX TRUSTEE for XXXX XX/XX/2007 pass through certificate Trust put together by XXXX. The Investor name had to be changed as plaintiff on Foreclosure because PNC could n't prove Standing. But as servicer they are the only one we can submit loss mitigation options to because trustee does n't make those decisions. But it seems like if Servicer did n't have standing to foreclose them they do n't have standing to approve a short sale. Resulting in us the homeowners in a BLACK hole. Please help get Sale extended and help us forego a foreclosure by completing a short sale. Our buyers are qualified and approved for XXXX waiting on PNC approval. PNC 's BPO As is Price is XXXX.

Student loan

Date : XXXX A spreadsheet is attached to illustration the complaint below. I have three loan accounts with Navient. One of which was paid off online on XX/XX/2019 and the balance has been negative ( overpayment ). But today, Navient website said I still owe them {$81.00} in principal and {$0.00} in interest. This is totally unreasonable and I think even a fraud for CFPB to look into. The balance was negative, meaning I didn't owe them for that loan anymore, but they just came back and say I do. I believe they are not doing their business ethically, and it's very deceptive, taking advantage of the customers. And I was on the phone with multiple people for over an hour. No one could help me close the account that was paid off. And I have to see balance building up for the debt I already paid off. In addition to the above loan, I have another issue with another loan, of which the agreed-upon interest rate is XXXX %. But today I see the principal increased {$15.00} by way of capitalization of interest. This is unreasonable because I do not have balance due, payments were made on time. Why this " punishment '' of capitalization of interest? What's more is that the interest portion increased by {$30.00}. This is also upsetting because the XXXX % daily interest should have been {$5.00}, let alone that they capitalized {$15.00} to principal, and there was no corresponding adjustment made in the interest portion. I'm very disappointed at and frustrated with Navient, I don't know if it's an honest mistake of their system or they are defrauding their customers. I hope CFPB can help me resolve the issues with Navient. If they are defrauding their customers, please help protect the public with the power you have.

Credit reporting, credit repair services, or other personal consumer reports

The item currently in dispute is a XXXX that was issued in my name without my knowledge by XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from Experian, it stated that this account is scheduled to continue on record until XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with XXXX requesting them to remove my name from this account because the card was never received, activated or used by me. In XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon, XX/XX/XXXX and Monday morning, XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent XXXX and to advise them that the information from their investigation is inaccurate. I am requesting that XXXX , or its affiliate agency, XXXX XXXX XXXX , or collection agency, XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, m y credit score was excellent.

Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute some items on the credit report. The are violating my Rights.

Credit card or prepaid card

I, XXXX XXXX, a federally protected consumer and NATURAL PERSON, has been disproportionately VIOLATED by Navy Federal Credit Union. I opened my NFCU account in XXXX and in the beginning of XXXX NFCU made an unlawful decision to not send me an updated card and close my credit card account. At that point I had not fallen behind on my account so I was totally confused and completely stressed about their poor decision. It was at the peak of the pandemic and to make matters worse NFCU began taking money out of my checking account to put towards this closed credit card account causing overdraft fees. NFCU closed closed my account and negatively reported an unvalidated debt without my permission, which was of no benefit to me violating the Consumer Credit Protections Act. Pursuant to 15 USC 1601 ( a ) these laws were put in place to protect the consumer against inaccurate and unfair credit billing and credit card practices. Performing actions on a consumer account without their permission is undermining congress. NFCU repeatedly called/ texted me, took money from my checking account causing other bills to go unpaid. My consumer rating took a major hit because now this closed account is making my utilization high making it hard for me to get financing for a reliable vehicle to make it back and forth to work to maintain a living for myself and my family. I now know my rights and I am done being being violated and I demand remedy for the unnecessary stress and mental anguish this credit union has caused me.

Checking or savings account

1. My mother is in the beginning stages of XXXX and is XXXX XXXX. I get financial help by State of CA, IHSS. Because she has recently lost the ability to eat or drink, I now have to XXXX to XXXX her thru a " XXXX XXXX '' that goes directly to her XXXX since XXXX XXXX XXXX. This is much more time consuming as well as expensive and the state employees informed they would increase my hours. However, this took many months and so they paid me retroactively for the previous time. The money was split into four different checks ; each about {$950.00}. In an effort to expedite payment to me, the state rep told me they would pay my mother XXXX XXXX directly for the retroactive amount, then continue to pay me directly with increased hours, even though this money is actually legally money I earned from the State of CA, IHSS. <P/> 2. I deposited these checks into my Chase Bank account on Friday, XX/XX/XXXX expecting the checks to clear on Tuesday, XX/XX/XXXX. However, because the checks were in her name, Chase did not release the funds. <P/> 3. I went to my local Chase Bank branch on Tuesday, XX/XX/XXXXand explained the above to the branch manager XXXX XXXX. He called the appropriate Chase reps and explained the above. <P/> 4. The reps told XXXX that if I bring my mother in with two forms of ID, they would release the funds. <P/> 5. I then went to pick up my mother, XXXX XXXX and came back to the bank with her, in a XXXX XXXX, and the appropriate ID ; a CA state issued Drivers License and SS card as well as credit cards in her name. <P/> 6. The rep, XXXX, then informed the reps telephonically that he had verified her ID. He then informed her what was happening and asked her permission. She shook her head yes. The reps then indicated they would release the funds. <P/> 7. On Wednesday,XX/XX/XXXX, after the funds were legally released into my account, Chase Bank branch manager XXXX XXXX took it upon himself to transfer the remaining balance from my account back to my mother 's account with no permission from myself or my spouse XXXX XXXX, who shares my account. My mother 's account was overdrawn by approximately {$260.00}. By transferring the money without my permission, I paid the overdraft fees which we were planning to pay later with different funds. <P/> 8. Chase Bank branch manager XXXX XXXX had no legal right to transfer any funds from our personal accounts. If Chase Bank does not do anything about this, I will seek legal recourse.

Credit reporting, credit repair services, or other personal consumer reports

I called on the phone with all 3 Credit Bureaus also XXXX I told XXXX I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications XXXX be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess

Credit reporting, credit repair services, or other personal consumer reports

I have contacted all credit companies and creditors about these accounts that I have no knowledge about, Ive requested these to be removed many times because it is having a bad impact on my credit score and my credit report.

Credit reporting

Bankruptcy filed in error and vacated credit bureau refuses to investigate and remove.

Debt collection

Ive spoken to An agent with NCB Management 3 or more times. Ive made arrangements to pay the debt once a month until the balance is paid in full. I made a payment at the beginning of XXXX. The agent called me at the end of XXXX to tell me that my account is on non-payment status. How can my account be in non-payment status when I just made a payment? I told her I get paid once a month, and will pay the balance down monthly until the balance is paid in full. There really is no need for her to keep contacting me. All of our conversations are redundant ; there is nothing we can talk about on the next call that we havent talked about on the last few calls.

Mortgage

I bought a house recently but had serious issues with the mortgage lender/loan officer I did business with. XXXX XXXX XXXX is his name. He was previously with Equity Prime Mortgage but is no longer employed by them. Equity Prime was very helpful with this complaint. XXXX XXXX, during the process, advised me that his company pays the up front fee for the appraisal ( {$550.00} ) and he has already paid the company for that fee. He then asked me for a personal check to reimburse him ( {$550.00} ) to which I agreed. He was supposed to credit this money at closing. About a month later, I got an email from the appraisal company asking to pay the appraisal fee. XXXX XXXX then told me there was a mix up and the company did not pay for the appraisal and told me to pay it to them and he would credit both fees at closing. I unfortunately agreed. At the end of the process, XXXX XXXX attempted to have me sign a mortgage at 4.25 %. I did n't agree with the terms and was able to procure a rate of 3.75 % the same day with another company. Therefore, I did not close with Equity Prime or XXXX XXXX. I asked him then to repay the {$550.00} I personally gave him and he stated he would when he got it back from the company. I have since learned that he is no longer employed by Equity Prime and they did n't know about the money as they never ask for personal checks or money. He has not repaid me and will not answer my requests. XXXX XXXX XXXX XXXX NLMS # XXXX

Credit card or prepaid card

Attempted to contact agency in reference to error made on the account. Charges amount to XXXX dollars. Havent received any resolution notice or credit back to the account.

Checking or savings account

ACH Debit XX/XX/19 an attempt was made to withdraw {$7900.00}. My account did not have overdraft protection but my bank withdrew {$4800.00} and left me with a negative balance of - {$3000.00}. I was sent a email notification that my account was {$0.00} and checked online to see the amounts stated above. I called my banks online banking and had a ref # assigned to the incident. And a stop pay issued. My bank listed in the transaction as processing. I told my bank do not pay the money, their response was they could not guarantee it because it was a computerized process. I then went to my banks local office and saw a personal banker. They stated they could not do anything more then had been done. I had not preauthorized or authorized the ACH Transfer Debit. My bank stated anyone can initiate an ACH Debit if they have my name address, routing and account number, and falsified to their bank the appropriate online documents. I called the bank making the ACH Debit and they stated it can only be done by one of their account holders if the account holder was paying off a loan, credit of debit card debt. On XX/XX/19 my online account information and balance was back to normal like nothing happened. I write checks to pay my bills and make other purchases. The banks are acting like it's my fault and their fraud divisions are acting properly.

Checking or savings account

I attempted to pay for my child 's school online and included the routing number available from my checks issued by SunTrust, my payment was declined as a " bad check. '' I contacted the school and was told the issue on their end said bad routing number. I logged on to the online banking system ( SunTrust rerouted me to Truist ) and after searching on the Truist website, I learned the routing number changed ; however, I was never made aware that the routing number would change nor have I been provided with new checks.

Credit reporting, credit repair services, or other personal consumer reports

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.

Vehicle loan or lease

on XX/XX/XXXX notified 53 bank about loan extension due to Covid 19, received email back on XX/XX/XXXX, wrote letter per their terms requesting 90 days. on XX/XX/XXXX I wrote again as I had not received an answer, the one week later made phone call go branch office, could not get through on the phone number they posted. girl who answered apologized and said if I got a response I was OK, not to worry. XX/XX/XXXX I finally get a letter stating as shown below : " We have submitted your loan request for our 90 day payment deferral, with no late fees payment application. Deferred payments will be moved to the end of your loan and your maturity date will be extended three months. '' then I get a letter today dated XXXX stating I we late fees, and it will effect my credit. checking my FICO it fell 26 points! I have had no problem with other accounts, only these guys. so I wrote again today, see attached : " what is this XXXX about charging me a late fee and showing a late payment? I first contacted you on XX/XX/XXXX, not my fault you are the only ones overwhelmed. Please restore my payment history to no late payments, and credit my account the userous late fee. I am very disappointed in your service, is this how you treat Americans in a pandemic? Please note in paragraph two above no late fees! You also say no further attention is needed than I get an letter from you making me sign an agreement. call me XXXX ASAP! '' my FICO fell 26 points from XXXX to XXXX! thank you, I am sure I am not the only one they lied to! XXXX XXXX XXXX XXXX

Credit reporting, credit repair services, or other personal consumer reports

I never opened this accounts and I never authorized it fraud XXXX XXXX Reported : XX/XX/XXXX + {$470.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$510.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$490.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$240.00} Needs Attention

Credit reporting, credit repair services, or other personal consumer reports

The information on my report is incorrect for the my report. I was given information from all 3 credit bureau stating that you do not report bankruptcy to credit bereaus. These agencies are XXXX, XXXX and XXXX. I was told that you dont report to reporting agencies. I am unsure if you are the company that is reporting on my credit report. I need this deleted immediately for being reported on my credit report. Can you please reach out to me via email or by letter on this matter. XXXX XXXX XXXX -delete immediately Reference # XXXX XXXX information for address on XXXX XXXX XXXX

Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my Experian consumer report : Account Number : XXXX Source of dispute information : XXXX Bank Type of disputed information : Inaccurate data associated with a credit card account Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX In accordance with 15 U.S. Code 1681i -Procedure in case of disputed accuracy, Experian has violated my federally protected consumer rights. Which are multiple violations have been made against me, please see attached credit reports and correspondence I received from XXXX Bank with all inaccurate information reported by Experian. When reviewing my credit profile I noticed, Experian has my personal information incorrect, the status CO should not be reported, the date of the initial charge off is inaccurate. Experian is reporting the initial charge of date of XX/XX/XXXX. According to correspondence I received from XXXX Bank the initial charge off date for this account was XX/XX/XXXX ( this information is highlighted in the attached documents. ) The credit limit ( {$6000.00} ) the charge off amount ( {$6300.00} ), and the past due amount ( {$6500.00} ) are all different. This is not legally plausible thus inaccurate. Furthermore, Experian is the only credit bureau reporting this inaccurate information as evident by the attached credit reports from XXXX and XXXX. This is also a violation. I demand the deletion of said information from my credit profile and I demand {$1000.00} per violation, for the listed infractions associated with XXXX Bank account # XXXX.

Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

Mortgage

XX/XX/2022 my mortgage was purchased by Mr.Cooper. I typically pay my mortgage in XXXX partial payments. My XX/XX/2022 payment was the first payment to go directly to Mr. Cooper. I paid as typical. in XXXX partial payments, which was never an issue with my previous company. Mr. Coppers website and app has partial payments as an option. I was charged a fee in XXXX because according to Mr. Cooper although my payment ( and additional {$150.00} in principal I paid ) went towards an unapplied funds account. I called Mr. Copper 14 times and couldnt get through on their phone system. I emailed the company three times and received no response. I had to take a day off of work, to stay on hold for 2 hours in order to speak to someone from Mr. Cooper. Finally Mr. Cooper reversed the fee, and applied the funds correctly- BUT Mr. Cooper reported to credit companies that I did not pay my mortgage AND they placed my additional principal payment of {$150.00} towards a forbearance payment. I have never ever been late with a mortgage payment, and have excellent credit. I want this company to be addressed for reporting false information about me to the credit companies. Furthermore, Mr. Cooper does not answer their phones for hours and never reply to written inquiries or requests. The representative I spoke with stated he submitted an investigation request. It has been two weeks, and I still have no response from the company. I was only able to reach a representative after 14 prior attempts to call them. I was unable to wait on hold longer than 1 hour those 14 times. I had to take a day off to wait on hold for 2 hours to speak to a representative. These are poor business practices and failure to respond to written complaints, in addition to reporting false information.

Debt collection

XXXX keeps calling me at work eventhough I have told him not to. They call me on my cell multiple times a day.

Debt collection

A collection account was added to my credit file in early XX/XX/XXXX. Original Debtor was XXXX XXXX / XXXX Mastercard. The collection agency is NCA, National Credit Adjusters , LLC, XXXX XXXX XXXX XXXX, XXXX, KS XXXX. It is scheduled to be removed in XX/XX/XXXX, meaning the account had its first delinquency in XX/XX/XXXX. The amount is {$570.00}. Original account number : XXXX. I have a XXXX XXXX Mastercard. It does start with the numbers XXXX. I have never used the card. It has a XXXX balance on it now and has since I have had it. It is an open account in good standing. A fall-off date of XX/XX/XXXX, suggests that the card in collection is not mine. Account opened XXXX Current XXXX credit report lists status as Open/Never Late. The date opened is listed as XXXX The balance updated date is listed as XXXXPast due as of XXXX XXXX There is no record of payments on this account. I spoke at length with the XXXX fraud department. The investigator confirmed my open account with XXXX is active and in good standing. Never used. Full credit line available. Account opened on XXXX This account was opened in XXXX. I experienced significant identity theft and identity fraud incidents in XXXX. I have removed a dozen v fraudulent collection accounts, aliases, fraudulent filing of a Chapter XXXX Bankruptcy, twice, attempted mortgage fraud, I have no mortgage, and a crime committed under my name in a place I have never been. All of these have been removed. I am in a XXXX that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are 2-3 collections from XXXX XXXX from XXXX and XXXX. These are also not mine.I have requested information from XXXX XXXX, and I received statements from a XXXX XXXX account with my name and address on them. I filed police reports with the towns where my address was and with the towns where the cards were used. 1. Balance {$1400.00}. Debt Buyer. Opened XX/XX/XXXX. Removal Date XXXX 2. Balance {$970.00}. Debt Buyer. Opened XXXX Removal Date XXXX 3. Balance {$1100.00}. Debt Buyer. Opened XX/XX/XXXX. Removal Date XXXX XXXX XXXX will not remove these fraudulent accounts from my file. The reason, My name, and address, from XXXX, are is on the statements of these accounts. These are not my accounts. I have no knowledge of these accounts. I asked for a copy of the contract with a signature for each XXXX XXXX collection. They said they were under no obligation to provide that to me. I sent a letter to NCA on XXXX I requested the information I am entitled to by law. I called them to also request information verbally. I was told that my name and address were on the accounts. It is my old address from XXXX. My XXXX is doing a {$100.00} XXXX dollar project bringing 150 XXXX XXXX XXXX to a town in XXXX XXXX that needs the jobs. These ridiculous debts have impacted my credit score and my ability to be a XXXX XXXX XXXX XXXX. If I was not doing a new project, I would let them fall off in a year. Life is too short to waste time on this kind of thing. At this point, I was just going to let my XXXX XXXX handle it. They get {$1000.00} per hour. I have three XXXX XXXX XXXX with high Honors from schools like the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, My other XXXX XXXX are in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Oh, and XXXX in XXXX. I thought about other people with this kind of issue, people who do not know their rights or how to deal with this kind of fraud. I decided to do this myself and write a White paper about it. So, here is the information you need, I have many more details if you need more. You have sued NCA, and they have a consent Agreement with CFPB from XXXX. You have sued the management of NCA, same consent agreement. They have many lawsuits both pending and settled. I have to wonder why they are licensed to be in the financial business at all? Thank you for your attention to this matter, I await word from you. XXXX XXXX

Debt collection

This Weltman Weinberg & Reis Co LPA ( collection agency ) keeps calling my employer work. This is happening every morning from number XXXX. Please stop harassing me at work. I do n't owe anything.. If I do please mail me information pertaining to these unsolicited calls.

Debt collection

Have been actively trying to work out a loan modification with Select Portfolio Servicing since XX/XX/2017. Submitted the initial package and have been sending required information as and when requested. The issues are that this information is sent over and over. We recently received notice that the property was scheduled for foreclosure auction. We immediately called and were told not to worry, that due to us being in the process for a loan modification that the auction would not proceed on the day stated. More requests came in form information ( that had been supplied several times, and receipt acknowledged by their website and via representatives we spoke to ) and this information was sent. Again the representatives of SPS said they had received the requested information. We then received a letter that the loan modification request would not proceed as they had not received the requested information, in spite of their representatives stating they had received everything that was requested.

Credit card

Started receiving credit card statements from PayPal Credit. I NEVER signed up for a credit card with them. I have a Pay Pal account that automatically gets deducted from my checking account. Never once did I knowingly open a line of credit with them. I called them and they said my account has gone in to collections from a purchase I have no recollection of. I asked them to open a fraud investigation.

Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX sent me to collections for a bill that is inaccurate and proceeded to let tenants that still live there know that they are sending myself and my co-tenant to collections over a bill that I am currently disputing. I have attached the invoice that they sent me about what I owe. I am disputing the amount of the carpet they are charging me because {$1000.00} is not how much a 5+ year old carpet should cost to replace and they are charging me {$200.00} to replace carpet in the dining area with linoleum that wasn't there when I was a tenant. They also charged us for drip pans that were replaced 2 days before walk through along with items in garage that they had a verbal agreement with my co-tenant that we could pay {$50.00} a day until cleaned out. They changed the locks on garage on day # 4 and put an abandonment notice for the garage on the apartment door of XXXX which was no longer our apartment. The debt collectors they sent us to are Columbia Debt Recovery DBA Genesis who call constantly, have called my employer and say they want to help but then don't follow through. I have filed complaints with the attorney general office, the property owners and property management.

Debt collection

Didn't receive enough information to verify debt BOA info called at XXXX XXXX XXXX XXXX. transferred call to line that hung up. XXXX XXXX. was unable to accommodate said she was transferring call to supervisor. XXXX hung up at XXXX XXXX XXXX XXXX refused to accommodate then stuck me on hold at XXXX Came back at XXXX discussed until XXXX then put on hold again. Came back at XXXX, put me on hold without notice at XXXX Said she could only make a unilateral complaint but refused to keep me in the process. Came back at XXXX said she would file complaint but could not accommodate. stuck me on hold again without notice at XXXX without any accommodation. XXXX she hung up without returning. XXXX called back, XXXX XXXX. was rude and refused to accommodate, stopped talking at XXXX came back at XXXX and thanked me for my patience. then was rude again to me and hung upon me at XXXX XXXX XXXX, XXXX, put me on hold at XXXX, came back at XXXX, put me on hold at XXXX, came back at XXXX, ask same questions again. put me on hold at XXXX, XXXX at XXXX said she was putting me on hold again, she said for 2 minutes. She came back at XXXX, I asked the date of whatever transactions she was talking about for over 30 minutes she refused to say what I owed them money. at XXXX she transferred the call without notice. at XXXX XXXX XXXX XXXX XXXX ) picked up, she then said the bank opened an account for me and then that account was overdrawn. She then transferred to a supervisor in collections. the supervisor refused to accommodate MY XXXX AND TRANSFERRED THE CALL TO XXXX a manager who said she would not discuss accommodating my XXXX was abusive and then hung up on me at XXXX They kept me on the phone for over 4 hours running me in circles refusing to say what any debt was for refusing to say the date I became INDEBTED. They XXXX the XXXX out of me kept making fun of my conditions and dictating to me what my abilities should be in their eyes. From my recordings and documentation and the numbers they provided to me I do not owe them anything. XXXX XXXX XXXX i requested supervisor he hung up.

Debt collection

We have received a couple of letters from Synter Resource Group, LLC stating that our business has an account with XXXX that has been placed with the agency for collection. We do not and have never had an account with UPS. We just received a very harassing phone call from Synter Resouce Group, LLC about the same matter. We advised them of this on the phone call and the agent on the phone would not accept that this was fraudulent. The agent insisted we give them an email address to send additional documents to, which we refused. We would like Synter Resource Group, LLC to no longer have any of our contact information and no longer harass us regarding an obviously fraudulent matter.

Credit card

A visa account with citi was open via Costco without my authorization. Further when I attempted to cancel it over two consecutive months a charge was made without my authorization which I was told would be reversed. Over five months into the process, not only it was n't reversed but also interests has been accumulating. This neglect by citi visa will negatively effect my credit score ... Please assist me with the process of correcting it.

Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/20 to see if I pre-qualified for a home loan however, when my report came back I was told I wouldnt qualify for a home loan due to some accounts in negative standing appearing on my credit report. I wasn't aware that there were accounts in negative standing on my credit so I looked over my report and there were two accounts from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX that are not mine. I have no idea who these accounts belong to or why they're on my credit but I never allowed anyone to use my personal information such as my name, social security number, DOB or address. I did not receive anything from these accounts being open in my name and I did not make any payments towards these accounts. I do not have any written/verbal contract with those companies and I never gave them access to my credit information. I have already filed a police report as well as a complaint with the CFPB regarding these suspicious accounts.

Debt collection

Called Experian to check dispute representative XXXX was upset and hung up on me I called back and requested the report be sent to me and the call was hung up again. FED LOAN SERV {$1300.00} AccountnumberXXXX FED LOAN SERV $ XXXXAccount numberXXXX FED LOAN SERV {$3800.00} account numberXXXX FED LOAN SERV {$7500.00} account numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV {$7600.00} account numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV XXXX XXXXAccount numberXXXX FED LOAN SERV {$1000.00} Account numberXXXX The state all information was accurate without interviewing my family and associates which is a violation of 15 use 1681 ( A ) ( E ). These accounts are also in violation of 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 use 1681 ( b ) ( A2 )

Credit reporting, credit repair services, or other personal consumer reports

The creditor is reporting incorrect information on my credit file. The credit bureau has a copy of the correct information but repeatedly refuses to update the correct information because I am a XXXX.

Credit reporting

I am applying for a home mortgage and all XXXX credit entities show an outstanding bill for XXXX ... I have never had an XXXX account. It does not belong to me and needs to be removed.

Debt collection

As promised I paid the settlement amount and they did not uphold their part which was to delete it from my credit reports

Mortgage

On XX/XX/2021, I submitted a complaint to the CFPB ( XXXX ) concerning my present mortgage company Chase Bank. They responded with a standard reply and the case was closed. I responded with a letter to Chase because I was not satisfied with their response. As a result of my complaint to your office and my response to their reply to the initial complaint, Chase Bank has taken punitive action against me by turning my mortgage over to XXXX XXXX XXXX ( from my research, this appears to be a sub par servicing company ). When filing this initial complaint, it was my prayer and hope that Chase would look into the matter and actively work to make things right. However, just the opposite ... Now I get XXXX ROYALLY!!! I need your help please?!!!!!

Credit reporting, credit repair services, or other personal consumer reports

ive been trying to get a free transunion credit report and score online for months and im unsuccessful.The site keeps saying sorry, unable at this time.I even tried XXXX XXXX XXXX and unsuccessful.When i try to get a free report from transunion, it asks for credit card.I shouldnt have to input a credit card for a free report.I dont know whats wrong with transunions site.They make it difficult.XXXX and XXXX is real easy.I want a transunion report

Credit reporting

ive started disputes with Transunion since mid XXXX of 2016 the company has provided me with multiple case numbers, mixed information from agents to managers. ive had agent lie stating they are in the us handling department. I spoke with a supervisor in XXXX handling department by the name of anye XXXX she gave me a personal fax number to send directly to her so that she can review my information. I sent that from the sheriff department, but I called Transunion they have not received my police report where is my information going. I 've sent mail with identification they have n't received that information this has been since last month on XXXX/XXXX/2016 when I filed the police report. Transunion seems to be a fraud company to me they work for the creditors as I am trying to fix this matter of being a victim of identity theft they want to sell me products instead of helping me with whats going on. I have called in multiple times to dispute having to take the time out of my day to get a results on whats going on. It has been way more than 30 days no one can provide documentation stating these accounts are mines they never will because they are n't mine. a supervisor stated to me that they can go pass 30 days if they have to example she gave is that lets say a loan has been established and there where payments than they stopped that 's a red flag im like well I do n't care whats a red flag send me proof that I have done it. you can verify information as my name, dob, email, ssn, etcd but that person has all of that information even according to irs documents so I asked that I need proof documents signatures papers etc no one can provide that. The Fair credit reporting act states in section XXXX if a person has been a victim of identity theft the bureau has 4 days to investigate remove or block any negative or fraudulent accounts. Transumion has given me the most problems they do not notify me they extended the 30 days. they cnat provide information form creditors, they give misinformation, im always transferred. they basically in my eyes are stating they cant help me and wont. I always write down names, dates, and times. I call in stating what someone has told me in their department or company they told me im lying basically they do n't know who this person is. if I ask about information they say they do n't have but if I say I will call the federal traded XXXX or file a complaint im placed on hold and than magically they find the information. information should 've been deleted they are trying to keep it on my credit because they work with the creditor not me the victim. this company has my full police report but still have n't removed these items been pass four days, and pass more than 30 days. This company is rude and not professional just people in the office who wants a check not actually doping their job. I should n't have to go through this trouble this person/persons who has taken my identity and doing what they are doing could 've done worse but Transunion is giving these people and creditors the power to ruin my credit and my life. I am very sad and scared. who can really be trusted.

Payday loan, title loan, or personal loan

I took out a loan with them and was paying it back with automatic withdrawals, my hours were reduced due to the pandemic which i advised them of in writing. I NEVER received a copy of the original loan agreement even though I called several times asking for a copy of it. Now I received notification from my HR department my account was sent for wage garnishment in the amount of {$1900.00} which the last statement I received states a balance of {$1300.00}. The garnishment or the collection attempts were not filed in court. and I was never given the opportunity to dispute the garnishment or settle the debt accordingly. I never received any documentation from the collection company at all! When I call the collection agency all they keep telling me is to refer to the signed loan agreement which I do not have! and they will not even allow me to dispute or settle the debt with a payment plan. They are demanding the entire {$1900.00} in full!

Vehicle loan or lease

I have bought ( financed ) a used car from Toyota dealership of Downtown XXXX XXXX in XX/XX/2020. Along with the car I bought the extended warranty that costs {$2000.00}. On the next day after purchasing the car I have decided to cancel the warranty. I have emailed the warranty issuer and personally visited the dealership office of Toyota Downtown XXXX to notify about my desicion. They said the warranty will be cancelled and I should receive the refund of {$2000.00} within few weeks. The refund amount should have been applied to my principal balance. However, it's been already over 5 months and I have not received the refund. I have tried to contact Toyota financial services multiple times but every time they said my refund is on the way.

Mortgage

I own a mortgage company, and we have caught a specific loan officer who works for CrossCountry Mortgage in our local market committing fraud ( editing income documents and social security verifications ) numerous times in the past 12 months. After the mortgages were funded, we have been told by the realtors involved what he did to get them done or had applications and income documentation or verifications from the same borrowers proving it was not possible. Creating fake social security cards, changing employment dates on employment verifications, and editing income amounts on documents are recent situations where we had an application from the same borrower and had verified the documents which could easily be used to compare to the documents that the loan officer with CrossCountry Mortgage gave to their underwriter. I am required to report these occurrences when they happen, and have called CrossCountry Mortgage to report the fraud immediately after it came to our attention six times in the past 12 months. Each time, the phone operator takes down my name and number and says they will send it to their compliance department so they can call me for the details. They have never once called me back to find out which of their loan officers is committing fraud and on which transactions. It appears they are supportive of their loan officers unethical and illegal actions by not bothering to follow up. I even sent a message to their CEO through XXXX at one point that again resulted in no response.

Credit card or prepaid card

I am XXXX years old and do not use email, but to apply for my card I used an email. I asked that my bills be mailed to me, bc it is the only way I am sure my bills are paid. I have been in and out of hospital & friends know to check my mail for important things. My statement was never mailed to me. I asked my daughter to contacr capital one to tell them I did not receive a bill. she paid the past due payments, & asked to have the bills mailed & checked the address. I have not received a single bill to date and I have been in & out of care the last few months, so I had someone getting my mail & paying my bills. Now that I am back to recovering, I see that my account is blocked, still no statements or bills. I am sure my credit has been terribley affected.

Debt collection

I'm not familiar with this company and see that there is a balance on my credit report. It states that they are collecting a balance for XXXX XXXX but I have not given this company any medical information about myself and feel as though my HIPPA rights have been violated. I also have not given this company permission to bill me.

Credit reporting, credit repair services, or other personal consumer reports

For the last year I have been trying to get a copy of a contract with my signature that shows that this is my account I have sent 3 letters to the company and 2 letters to the XXXX credit bureaus. They always send back a letter stating it is verified. I want to see the contract with my signature on it to know if this is really my account. FCRA Section 623 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. The company never reported a dispute to any of the credit bureaus. It was not until XXXX 2017 when I sent letters to the XXXX Credit Bureaus a dispute was put on my report. Then they still did not provide the name of the persons that verified that it was my account they just assumed it was and sent a letter to me saying it was verified.FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. now the original company has turn this over to someone else to collect. Also If the original creditor sells a debt to a collection agency ( XXXX XXXX ). XXXX and also wrote off the debt on their taxes it would write off any obligation to pay. Therefore the Contract was Cancelled. So there is NO CONTRACT and this item needs to be removed from my report Immediately.

Checking or savings account

My daughter sent me {$200.00} sent through XXXX messenger. The bank received the payment reflected when I called the bank information line. At time of receipt I was overdrawn {$1.00}. And change. Leaving my available cash {$190.00}. And change. I went to the ATM and withdrew {$60.00}. Upon calling my bank I realized that I was now overdrawn XXXX. I called my banks help line only to find there is now no record at all of the {$200.00} transfer. I was told by the first representative that they use their discretion whether or not to give you the money at the ATM. When speaking to her manager he stated not true only if funds are available will you receive money at the ATM. But still no record of the money. I explained # 1 only if money was available would money be given at ATM. # 2 only if money recorded would money be available. # 3 Mony should have simultaneously been given at ATM and taken out of account. So at very least {$60.00} and fee should be shown. This bank has held checks for more than 10 days trying to lead you to believe you have more funds available. They have taken money for a payment and placed it back into my account trying once again to make me believe I have more funds available than I think. My sister who also banks with them can verify this. She purchased XXXX tickets for XXXX day which were taken out of her bank. When she called the info line a few days later it was showing back in her funds. I have been with this bank for several years and they made me sign a new contract with them because my old contract gave me many perks. I have been through several years of the preceding but never had my money stolen right from within the bank. They received the money made it available which is proven by the ATM withdrawal and there records have nothing about the deposit at all. I had-1. And change and now have - XXXX. And change along with charges daily. I appreciate any help you can provide. PNC Banks

Debt collection

I am in a XXXX XXXX XXXX with XXXX assistance. My entire income is taken to pay the patient responsibility part of my bill. I can not make payments. I have explained this repeatedly.

Credit reporting, credit repair services, or other personal consumer reports

I received a call from XXXX XXXX and XXXX Credit card companies. They both said that they had not received a payment. I thought that it was odd, since both we on auto bill pay. I looked into my accounts, and XXXX XXXX had been " paid '' but the auto bill pay for XXXX XXXX was gone. I called XXXX, and determined that the auto bill pay had been deleted for XXXX the same day that " XXXX XXXX '' had been paid. I noticed that the amount was different than normal. So I called XXXX XXXX and they confirmed that the payment was not made to them. I then called XXXX XXXX and reported the charge as fraud and the money was refunded to me. XXXX confirmed that my account must have been hacked and that I needed to change my user name and password and if the charges continued, then I would need to change my account number. I had the payments all set up, like I have for years, so I requested that the charges be removed as late from my credit as I immediately set up payment, but my account being hacked and fraudulently payments had been made in the company 's names. XXXX advised me that it was not their issue and to file a complaint with the credit bureau if I felt it was an issue. I was told " Good Luck '' with getting anything removed as someone hacking my account was not taken into consideration.

Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still presenting on my Credit Reports and need to be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1900.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2.00}

Credit reporting, credit repair services, or other personal consumer reports

Affirm showing three accounts on XXXX that affirm can not validate or locate. please see uploaded statement

Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FIRST FINANCIAL ASSET XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Credit reporting

I am disputing the inaccurate information the Chex-Systems has on my credit report. I initially submitted a police report on XXXX/XXXX/16 and Chex Systems only deleted the items that I mentioned in the letter and not all the items that were actually listed on the police report. In other words they wanted me to say word for word to them what items were fraudulent. The total disregard of the police report and what accounts that it states that are fraudulent. If they just had paid a little closer attention to the police report I would not been in this position now and they would n't have to research once again. I would like the reported information to be removed : XXXX XXXX XXXX

Credit reporting, credit repair services, or other personal consumer reports

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following accounts have violated my right. XXXX XXXX XXXX XXXXt # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in 15 U.S.C 1681 Section 602 A, it states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Mortgage

I have a home equity line of credit with Well Fargo. I have had this loan for a long time. The total line of credit is XXXX. My outstanding balance is XXXX. Wells Fargo 's monthly payment request is for XXXX. I have been paying XXXX each month for a long time, so I can pay down the loan more quickly. There are some months I skip a payment, but because of my usual monthly higher payment, that has never been a problem. I skipped the XXXX 2015 payment, and now I am being charged a XXXX finance charge, despite the fact that I am ahead on my payments. I do not think this is fair to me. Also, I have been notified that my account is " restricted '', due to this skipped payment. Again, I feel this is not fair.

Debt collection

I wrote to XXXX XXXX to get verification of account i have no knowledge of but XXXX XXXX said it was accurate and updated. I have not opened an account of any sort on XX/XX/2022 so i know this information is incorrect. My address is now with this company because XXXX XXXX has you to put it in for your dispute. I have never opened any account or have any knowledge who CBE is to do business with. My report states that they are the original who I started this account with but I have not. XXXX XXXX would not show me the original copies I asked them to produce on XXXX XXXX but XXXX XXXX did say it was accurate, how and I didnt do business with anyone on this date. I like this removed from my credit report it is causing me harm and injury.

Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Credit reporting, credit repair services, or other personal consumer reports

Hello there! I hope youre doing well today. This company put high inquiries on my credit file but I didnt give them authorization. They put inquiries on : XX/XX/2019 XX/XX/2019 Therefore Im asking them if theyd kindly remove those inquiries. Thanks

Credit reporting, credit repair services, or other personal consumer reports

I am extremely nervous about the recent hack.

Debt collection

Our family business, XXXX XXXX XXXX, is owned by XXXX XXXX. Our day manager, who only knows very limited English, got a letter in the mail that to her looked incredibly similar to the XXXX XXXX EBT letters, so she filled out the form and promptly sent it in, not knowing that that was a 3rd party processing company that is not affiliated with EBT or SNAP. The letter was sent from XXXX XXXX XXXX XXXX XXXX., which was received late XX/XX/XXXX. The company then sent us a completely new EBT machine, one that was faulty and unnecessary, and we immediately sent it back and attempted to cancel the services completely on XX/XX/XXXX. Despite us sending it back and filing for cancellation, the company persisted that we could not break the contract for 48 months and has been demanding payment on equipment that we immediately returned. The first bill was posted overdue on XX/XX/XXXX due to our credit card not being on file anymore ( from the cancellation process ), and as of recently, we have received a final demand on XX/XX/XXXX of {$6700.00}, which was sent by XXXX XXXX XXXX XXXX in XXXX, CO. Moreover, on XX/XX/XXXX, we received correspondence that First Data just now got our cancellation request, firmly stating that their machine be returned immaculately, which, again, was sent back to them promptly last year in early XX/XX/XXXX. Furthermore, we have spoken over to phone to First Data and XXXX XXXX XXXX, and they claim that they do not know where our returned machine is and that, regardless, we are bound to make payments on this equipment for 48 months. This is clearly a predatory company, sending letters that look similar and that require the exact same information as the real, government XXXX XXXX EBT letters do.