Dataset Preview
The full dataset viewer is not available (click to read why). Only showing a preview of the rows.
The dataset generation failed because of a cast error
Error code: DatasetGenerationCastError
Exception: DatasetGenerationCastError
Message: An error occurred while generating the dataset
All the data files must have the same columns, but at some point there are 14 new columns ({'Ticket Created', 'Method', 'Location (Center point of the Zip Code)', 'Time of Issue', 'Date Created', 'Zip', 'Form', 'Ticket ID', 'Date of Issue', 'City', 'Caller ID Number', 'Advertiser Business Number', 'Type of Property Goods or Services', 'Type of Call or Messge'}) and 9 missing columns ({'Sub-issue', 'Date received', 'Sub-product', 'Product', 'product_5', 'narrative', 'Timely response?', 'Company', 'Unnamed: 0'}).
This happened while the csv dataset builder was generating data using
hf://datasets/KS-Vijay/Grievance_Dataset/complaints3.csv (at revision 58ae785baadcaebae60e614c51f373096ee45160)
Please either edit the data files to have matching columns, or separate them into different configurations (see docs at https://hf.co/docs/hub/datasets-manual-configuration#multiple-configurations)
Traceback: Traceback (most recent call last):
File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/builder.py", line 1871, in _prepare_split_single
writer.write_table(table)
File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/arrow_writer.py", line 623, in write_table
pa_table = table_cast(pa_table, self._schema)
File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2293, in table_cast
return cast_table_to_schema(table, schema)
File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/table.py", line 2241, in cast_table_to_schema
raise CastError(
datasets.table.CastError: Couldn't cast
Ticket ID: int64
Ticket Created: string
Date Created: string
Date of Issue: string
Time of Issue: string
Form: string
Method: string
Issue: string
Caller ID Number: string
Type of Call or Messge: string
Advertiser Business Number: string
City: string
State: string
Zip: double
Location (Center point of the Zip Code): string
Type of Property Goods or Services: string
-- schema metadata --
pandas: '{"index_columns": [{"kind": "range", "name": null, "start": 0, "' + 2311
to
{'Unnamed: 0': Value(dtype='int64', id=None), 'product_5': Value(dtype='string', id=None), 'narrative': Value(dtype='string', id=None), 'Product': Value(dtype='string', id=None), 'Date received': Value(dtype='string', id=None), 'Sub-product': Value(dtype='string', id=None), 'Issue': Value(dtype='string', id=None), 'Sub-issue': Value(dtype='string', id=None), 'Company': Value(dtype='string', id=None), 'State': Value(dtype='string', id=None), 'Timely response?': Value(dtype='string', id=None)}
because column names don't match
During handling of the above exception, another exception occurred:
Traceback (most recent call last):
File "/src/services/worker/src/worker/job_runners/config/parquet_and_info.py", line 1438, in compute_config_parquet_and_info_response
parquet_operations = convert_to_parquet(builder)
File "/src/services/worker/src/worker/job_runners/config/parquet_and_info.py", line 1050, in convert_to_parquet
builder.download_and_prepare(
File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/builder.py", line 925, in download_and_prepare
self._download_and_prepare(
File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/builder.py", line 1001, in _download_and_prepare
self._prepare_split(split_generator, **prepare_split_kwargs)
File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/builder.py", line 1742, in _prepare_split
for job_id, done, content in self._prepare_split_single(
File "/src/services/worker/.venv/lib/python3.9/site-packages/datasets/builder.py", line 1873, in _prepare_split_single
raise DatasetGenerationCastError.from_cast_error(
datasets.exceptions.DatasetGenerationCastError: An error occurred while generating the dataset
All the data files must have the same columns, but at some point there are 14 new columns ({'Ticket Created', 'Method', 'Location (Center point of the Zip Code)', 'Time of Issue', 'Date Created', 'Zip', 'Form', 'Ticket ID', 'Date of Issue', 'City', 'Caller ID Number', 'Advertiser Business Number', 'Type of Property Goods or Services', 'Type of Call or Messge'}) and 9 missing columns ({'Sub-issue', 'Date received', 'Sub-product', 'Product', 'product_5', 'narrative', 'Timely response?', 'Company', 'Unnamed: 0'}).
This happened while the csv dataset builder was generating data using
hf://datasets/KS-Vijay/Grievance_Dataset/complaints3.csv (at revision 58ae785baadcaebae60e614c51f373096ee45160)
Please either edit the data files to have matching columns, or separate them into different configurations (see docs at https://hf.co/docs/hub/datasets-manual-configuration#multiple-configurations)Need help to make the dataset viewer work? Make sure to review how to configure the dataset viewer, and open a discussion for direct support.
Unnamed: 0
int64 | product_5
string | narrative
string | Product
string | Date received
string | Sub-product
string | Issue
string | Sub-issue
string | Company
string | State
string | Timely response?
string |
|---|---|---|---|---|---|---|---|---|---|---|
234 |
Credit Reporting
|
Dear Possible Financial Inc you guyss aree reporting to the Credit bureaus that I have a charge off and Collection with you guys on XXXX and just a charge off on XXXX. None of these show on my XXXX Credit Report. I know this could be a minor mistake on you guys end I see you guys already HAVE 192 complaints about credit reporting already from XXXX.
Im unaware of this debt I didnt have I didnt have an opportunity to dispute this information if in fact you believe you gave me proper notification then please send me the certify mail receipt with my signature on it. Also can you guys let me know your ways of verifying this my debt.
Account number : XXXX
|
Credit reporting or other personal consumer reports
|
2024-07-27
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
Possible Financial Inc
|
MI
|
Yes
|
240 |
Debt Collection
|
XXXX XXXX XXXX ( debt collector ), sent my boyfriend an email with my name, and statement of a debt owed to Spotloan. I never applied for a loan nor received a loan from this company. My boyfriend was told via phone ( contacted them after receiving this ), that I was being sued for an outstanding debt to Spotloan and that they sent the documents to my HR dept. Where I work. My boyfriend set up a payment plan and paid {$210.00}.
|
Debt collection
|
2024-07-27
|
I do not know
|
Threatened to contact someone or share information improperly
|
Talked to a third-party about your debt
|
BlueChip Financial
|
TX
|
Yes
|
257 |
Credit Reporting
|
I been receiving alerts my information was found in dark web, I have inquiries on my credit that i did not authorized I have called companies they are not able to give me any information
|
Credit reporting or other personal consumer reports
|
2024-07-23
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
|
FC HoldCo LLC
|
SC
|
Yes
|
271 |
Credit Reporting
|
Subject : Dispute of Inaccurate Information on CoreLogic, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my CoreLogic, XXXX, and XXXX consumer report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities.
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.
Specifically, I request the following details regarding your investigation : XXXX. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.
XXXX. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.
XXXX. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.
XXXX. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.
XXXX. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken.
Violations of Law : I believe the verification process by XXXX may violate my rights under the following laws : XXXX. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.
XXXX. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.
XXXX. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.
XXXX. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.
XXXX. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.
I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my CoreLogic, XXXX, and XXXX report. Specifically, I ask that : XXXX. CoreLogic, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information.
XXXX. CoreLogic, XXXX, and XXXX corrects the inaccuracies in my report as identified.
Enclosed are copies of my CoreLogic, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
|
Credit reporting or other personal consumer reports
|
2024-07-27
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
CORELOGIC INC
|
GA
|
Yes
|
276 |
Loans
|
They allowed me to use the account for about a month let me get a credit builder loan and payday loan and as soon as I did that they blocked my account. They arent allowing me to access the account and havent stopped taking money.
|
Payday loan, title loan, personal loan, or advance loan
|
2024-07-26
|
Payday loan
|
Received a loan you didn't apply for
| null |
MoneyLion Inc.
|
PA
|
Yes
|
279 |
Credit Reporting
|
Do you believe your company owns the promissory note and have the right to enforce payment from the borrower?
And does a XXXX note actually have cash value meaning in a regular course of the business day it could be sold for {$250000.00}?
So how much does the bank have to loan now to legally on the promissory note?
And to your belief if the borrower signs the promissory note and the bank refuse to give the borrower actual cash value would the bank or the borrower owe the promissory note?
Do you think the borrower agreed to provide the bank with {$250000.00} actual cash value that was then used for the {$250000.00} bank loan check back to the same borrower and then agreed to pay the bank back plus interest?
So do the bank legally on the promissory note and legally make the borrower pay back interest and principal payments?
Is it Bank policy that when a bank received a {$250000.00} loan the bank receives actual cash value and this check is received and returned back to the borrower is this policy?
Can you show me in our contract that I gave you permission to receive {$250000.00} actual cash value from the borrower in the note to fund the {$250000.00} back which obligations me and return to pay back the bank {$250000.00} plus interest?
So if the borrower provided the bank with {$250000.00} actual cash value in the note which the bank used to fund the {$250000.00} check and return the check back to the alleged borrower to a bank loan in your opinion did the bank loan the alleged borrower {$250000.00}?
SO IS THIS AN EXCHANGE ARE SWAPPED FOR? XXXX 18 U.S.C 8 12 U.S.C 1431 15 U.S.C.1601
|
Credit reporting or other personal consumer reports
|
2024-07-26
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
CORELOGIC INC
|
OH
|
Yes
|
302 |
Bank Accounts and Services
|
I used Wells Fargo Bank to make Payments for Monthly Bills and Mortgage Payments in XXXX, 2014 I was informed that payments was not received and they put in Foreclosure and I loss my home and many of Monthly Bill Payment was paid and the Wells Fargo was not able to give me copies of Check of Bill Payments is this legal.
The account was old account I used be XXXX XXXX Account which Wells Cargo taken over Cashier and I had pay fees and services with this account.
|
Money transfer, virtual currency, or money service
|
2024-07-30
|
Money order, traveler's check or cashier's check
|
Lost or stolen money order
| null |
WELLS FARGO & COMPANY
|
NY
|
Yes
|
324 |
Loans
|
I had an installment loan under my name that was taken out for my ex husband. I paid for it for quite some time then I couldnt manage the payments. There was less than {$2000.00} remaining and I tried to negotiate the loan to a smaller amount or longer time to pay off the loan. Ener bank denied both. They have written off this loan but keep on adding fees to it to the long where now the amount I owe is over {$5000.00}. I also had someone from Enerbank come to my house one time when I wasnt home and was yelling at the person that answered the door and he threatened to take legal action against me. This was a very scary situation for people in my home. I want to come to a reasonable amount below {$2000.00} to pay off the loan. I am a single parent and I take care of my old mother and young child that is ready to go to college. I want to do the right thing but need help with the reduced amount and payment terms
|
Payday loan, title loan, personal loan, or advance loan
|
2024-07-25
|
Installment loan
|
Charged fees or interest you didn't expect
| null |
REGIONS FINANCIAL CORPORATION
|
NJ
|
Yes
|
328 |
Debt Collection
|
Credit acceptance sent me court papers stating i owe them XXXX and stating they was going to go take it from my wages. I voluntarily turned in vehicle around XX/XX/year> and then they tried around XX/XX/year> to take me to court. I feel like they adding extra fees and it's not the correct amount since they sold the vehicle.
|
Debt collection
|
2024-07-24
|
Auto debt
|
Took or threatened to take negative or legal action
|
Collected or attempted to collect exempt funds
|
CREDIT ACCEPTANCE CORPORATION
|
NY
|
Yes
|
338 |
Loans
|
XXXX Morgage company sent a payment to XXXX XXXX for {$3100.00} XXXX read another number. Also my Morgage will increase by {$100.00} in XXXX. I get no equity. I pay taxes and insurance only from my escrow account. I paid {$77000.00} for my property in XXXX. I now owe {$82000.00}.
|
Mortgage
|
2024-07-24
|
Conventional home mortgage
|
Trouble during payment process
|
Escrow, taxes, or insurance
|
SELECT PORTFOLIO SERVICING, INC.
|
OH
|
Yes
|
359 |
Credit Reporting
|
My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXXXXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
XXXX XXXX / XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Delete the late payments from my consumer reports
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NY
|
Yes
|
360 |
Credit Reporting
|
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!
I demand the late payment reported to be removed/updated.
They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.
This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NY
|
Yes
|
366 |
Bank Accounts and Services
|
On XX/XX/XXXX, I contacted customer service at Citi Bank about a {$1000.00} cash bonus advertised for opening a new Citi Priority Checking account with $ XXXX new money before XXXX XXXX, XXXX. I was informed in a letter dated XX/XX/XXXX from Citi Bank that no such promotions were available/linked to my account.
However, there is a XXXX article dated XX/XX/XXXX detailing the exact promotion I used to open my Citi Priority Checking account : [ Citi Priority Checking Account Review XXXX ] ( XXXX XXXX XXXX ). The promotion ran between XX/XX/XXXX and XX/XX/XXXX. A printout of the XXXX article is attached.
I opened my Citi Priority Checking account on XXXX XXXX, XXXX with {$100.00} and transferred {$10000.00} on XX/XX/XXXX, and then transferred {$65000.00} on XX/XX/XXXX, well within the promotion period. The money has been sitting in the checking account for 6+ months earning XXXX interest.
Considering the promotion and my account opening date, I anticipated receiving the bonus credit sometime in XXXX, XXXX ( per the advertised 60-day wait period with a 21-day processing buffer ). As of today, XX/XX/XXXX, the credit has not been applied to my account.
Additionally, I received a promotional flyer about this offer directly from Citibank at my home address, though I could not locate it at this time.
I send a fax with a screenshot of the relevant part of the XXXX article to Citi Bank yesterday as instructed and are still waiting for their response.
|
Checking or savings account
|
2024-07-18
|
Checking account
|
Opening an account
|
Didn't receive terms that were advertised
|
CITIBANK, N.A.
|
NJ
|
Yes
|
386 |
Credit Reporting
|
XXXX XXXX XXXX has ignored numerous attempts to file an accurate credit report. Changes were made, but made my credit look worse than what it was changing back-and-forth. Now I recently found that a third-party XXXX had gotten my information from XXXX, which is in a data breach. XXXX had no reason to give my information out to this company. I have already proven and tried numerous times to ask why XXXX XXXX XXXX gave my information to this company. I honestly feel if I would have never attempted to fix this wrong amount incorrect dates through XXXX XXXX. My credit information would not have been breached.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
Experian Information Solutions Inc.
|
TX
|
Yes
|
394 |
Credit Reporting
|
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights.
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
Experian Information Solutions Inc.
|
MD
|
Yes
|
397 |
Credit Reporting
|
Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiry which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
|
Experian Information Solutions Inc.
|
NJ
|
Yes
|
399 |
Credit Reporting
|
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
Experian Information Solutions Inc.
|
LA
|
Yes
|
400 |
Credit Reporting
|
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
|
Experian Information Solutions Inc.
|
VA
|
Yes
|
402 |
Credit Reporting
|
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
Experian Information Solutions Inc.
|
VA
|
Yes
|
405 |
Credit Reporting
|
I signed up for school at XXXX XXXX and decided I no longer wanted to go there. I never enrolled in any classes. yes I applied for fasfa but I never applied for a student loan. I called them and they said I was enrolled in classes thats why they gave me a loan. in order for me to have a loan. I had to personally sign off on it which I did not. They also still keep enrolling me in classes and refuse to remove my loan. This is fraud and i am now reporting it if this is not removed from my credit in a timely matter. They are not authorized BY LAW to open any accounts on behalf in any way. I did not give my consent or signature. I did not receive any money from this loan. next steps will be to take this court.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
Experian Information Solutions Inc.
|
CA
|
Yes
|
406 |
Credit Reporting
|
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NE
|
Yes
|
426 |
Loans
|
I have disputed this information on my XXXX credit reports several times no actions were taken. This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this account actually belongs to me
|
Student loan
|
2024-06-21
|
Federal student loan servicing
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
Williams, Rush & Associates, LLC
|
KY
|
No
|
489 |
Credit Reporting
|
XX/XX/XXXX sent in full payment of {$69.00} and cleared my bank account on XX/XX/XXXX ( had never received a bill even for what was due on XX/XX/XXXX ) This bill had been set up months ago to be paid automatically as the same thing happened last year and I was just supposed to know it was due and then I got a late bill in XXXX of XXXX. So to resolve that moving forward, I sent in monies the end of XXXX.
XX/XX/XXXX Receive a collections text and a phone call and despite sending in a screenshot the company was quite nasty and insisted that I still owe the now {$22.00} in extra charges. I told them no and I then found a message board to file a dispute after calling XXXX and complaining when I learned via this phone call they had a new service bank.
XX/XX/XXXX Sent them a copy of the check front and back and showed them the account # that was credited ( it is different than my new # ( which I did not have until middle of XXXX when I received my overdue statement ) XX/XX/XXXX I am alerted that my credit score has dropped by XXXX points due to the reporting of this 'delinquent " account. I call them up and ask why is it being reported if the account is under dispute and they tell me once again, I will owe all late fees and finance charges regardless of when my {$69.00} is finally credited to the account. So from {$69.00} which was due XX/XX/XXXX and paid XXXX, my balance due increased to XXXX due on XX/XX/XXXX and is now at XXXX due on XX/XX/XXXX. They told me if I do not pay the extra XXXX by XX/XX/XXXX, they will add {$60.00} late fee and additional finance charges that will be due on XX/XX/XXXX and this will continue exponentially until I agree to pay their late fees.
I do not owe them late fees or finance charges. As a consumer, I should have been sent information on a new account # and thus I could have had my funds going to the correct account when it was sent in on XX/XX/XXXX. But since my check cleared, it was credited and the funds have been received by XXXXXXXX XXXX XXXX.
They are violating the law by reporting my account as delinquent while the account is under dispute and they investigate. I also strongly feel they are not supposed to be adding late fees to an account under dispute and demanding payment even when the account is eventually credited the {$69.00}.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Difficulty submitting a dispute or getting information about a dispute over the phone
|
Experian Information Solutions Inc.
|
ME
|
Yes
|
495 |
Credit Reporting
|
I am writing to express my profound dissatisfaction with the delayed removal of fraudulent items from my credit report and the multiple unsuccessful attempts to rectify this issue. I consider the handling of this matter unacceptable and am compelled to bring it to your attention formally. I discovered unauthorized and fraudulent items on my credit report. Recognizing the severity of the situation, I promptly contacted your institution to report the issue and request the immediate removal of these items. I was assured that corrective measures would be taken without undue delay. Regrettably, since my initial contact, these fraudulent items persist on my credit report. Despite repeated attempts to rectify the situation by contacting your customer service department, the issue remains unresolved, causing significant distress and concern on my part. I understand the importance of maintaining the accuracy of credit reports and the urgency of addressing fraudulent activities. The prolonged delay and multiple failed attempts to resolve this matter are not only frustrating but also damaging to my financial standing. In light of the gravity of the situation, I insist on an immediate and thorough investigation into the reasons for the delays and the failed attempts to remove the fraudulent items. I request a detailed explanation of the steps being taken to expedite the resolution of this matter and prevent such lapses in the future. Furthermore, I demand that you provide a formal, written confirmation of the removal of the fraudulent item within the exact timeframe of receiving this letter. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Old information reappears or never goes away
|
Experian Information Solutions Inc.
|
AR
|
Yes
|
496 |
Credit Reporting
|
I previously requested that XXXX XXXX XXXX, XXXX provide validation of the alleged debt that they are falsely reporting on my credit reports. I requested proof of the original signed contract between me and the original creditor on XX/XX/year>. XXXX XXXX XXXX XXXX sent information via mail on XX/XX/year>, that just included a bill from the original creditor. The requested documentation that I requested ( the original contract with the original creditor that bears my physical signature ) was not provided. Therefore, this needs to removed from my credit report IMMEDIATELY as my rights have been violated under the Fair Debt Collection Act ( FDCA ). None of the information that I requested was provided to validate this alleged debt.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
Experian Information Solutions Inc.
|
AL
|
Yes
|
500 |
Credit Reporting
|
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Experian Information Solutions Inc.
|
FL
|
Yes
|
659 |
Debt Collection
|
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
|
Debt collection
|
2024-07-30
|
Other debt
|
Attempts to collect debt not owed
|
Debt is not yours
|
Helvey & Associates, Inc., Warsaw, IN Branch
|
NC
|
Yes
|
718 |
Bank Accounts and Services
|
- Me and my fiance ( XXXX XXXX XXXX ) have a checking account with Citi Bank since XX/XX/XXXX. We choose to put our direct deposits and finance in this bank.
- On XX/XX/XXXX, I requested an international wire transfer from my Citibank checking account to my new employer, which is based in the XXXX. The wire amount was approximately {$20000.00} USD to purchase company shares.
- On XX/XX/XXXX, Citi 's security department called me to ask follow up questions about the wire transfer and at the end of the call, Citi 's representative said that all of my answers were satisfactory and that the bank would be completing my wire transfer shortly.
- On Monday, XX/XX/XXXX with no forewarning and no communication ( no email, no phone call, no notification via text message or the Citi app ), Citi canceled the wire transfer and blocked my checking account. Later that day, I called the Citi security department and they said that the only way to unblock my account was to wait for a verification code to be sent via a letter. They said that the letter would arrive in XXXX business days.
- I have contacted the bank multiple times over phone expressing my frustration and asking for alternatives. No option was provided, and when requested to escalate the issue the agent hangs up on me.
- It's now been 15+ business days ( today is Saturday, XX/XX/XXXX ) and the letter has not arrived. I've called Citi more than ten times, and each time they say that I must wait for the letter and that there are no alternative ways to unblock my checking account without the code from this letter which never arrived.
- At this point, the bank is essentially holding my money XXXX and I'm unable to access the $ XXXX USD in my checking account. This has caused me immense financial distress and embarrassment with my new employer, because it's made it impossible to complete the wire transfer which was to purchase company stock.
- Aside from providing no alternatives to access my money after their antiquated process failed, Citi 's customer service staff have also intentionally hung up on me mid-sentence on multiple occasions. The whole situation is totally ridiculous- blocking my account after verbally confirming that the wire transfer would be completed, blocking my account for 5-7 business days to wait for a paper letter, offering no alternative solutions when the letter did not arrive, and treating me in a very unprofessional manner over the phone.
|
Checking or savings account
|
2024-07-27
|
Checking account
|
Managing an account
|
Problem accessing account
|
CITIBANK, N.A.
|
VA
|
Yes
|
720 |
Credit Card Services
|
XXXX XXXX,2024 I received a statement of {$180.00}. This balance is made up entirely of fees and interest. On XX/XX/XXXX call, I worked with a customer service agent in the XXXX who confirm the balance would be reduced to XXXX. have been trying to communicate their error since XXXX XXXX, 2024, statement with a balance totaling {$3.00}. I had to request my account be closed in XXXX XXXX,2024, out of frustration due to MACYs agents in the XXXX were unable to understand issue due to a language barrier. Today I opened XX/XX/XXXX statement with a balance of {$230.00}. I need CFPB to help convey the message that Macys can not change fees on fees and interest on fees. What do customers less able to advocate for their situations due? Macys shows only predatorial behavior aimed to ruin credit ratings on those who are in good standing.
I appreciate your advocacy in this case.
Respectfully submitted, XXXX XXXX MACYs closed account number XXXX XXXX XXXX XXXX XXXX XXXX
|
Credit card
|
2024-07-27
|
Store credit card
|
Fees or interest
|
Problem with fees
|
CITIBANK, N.A.
|
CT
|
Yes
|
726 |
Bank Accounts and Services
|
XX/XX/year>, a person called my cell phone introducing himself as a Wells Fargo employee to inquire about XXXX credit cards charges out of state as " WF '' was concerned that these charges might be unauthorized. I said I didn't make these charges, he said he would have the charges waived and new credit cards will be assigned to me. He was also able to get into my XXXX checking accts. and have an amount of {$49000.00} transferred from my business acct. to my personal acct. and then had this amount wired transferred out of the personal account to an account at XXXXXXXX XXXX He also had {$21000.00} wire transferred from my personal acct. to the same XXXX XXXX acct.
Updates from Wells Fargo Bank, as I call twice every week, is the same, no answer/response from XXXXXXXX XXXX . Supposedly my claim has been expediated to an " executive '' level due to being a long term WF customer and a good amount of money at the bank.
|
Money transfer, virtual currency, or money service
|
2024-07-26
|
Domestic (US) money transfer
|
Other transaction problem
| null |
WELLS FARGO & COMPANY
|
CA
|
Yes
|
782 |
Debt Collection
|
Dear XXXX XXXX XXXX; Citibank ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor.
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.
2. Legal basis for the collection of this debt.
3. Proof of your authorization to operate in [ State Name ].
4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.
5. Complete account history, inclusive of all collection-related charges.
I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.
Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.
* 1692e : Use of false, deceptive, or misleading representations.
* 1692g ( b ) : Failure to properly disclose my rights.
* 1692f : Use of unfair or unconscionable means to collect a debt.
|
Debt collection
|
2024-07-26
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
|
CITIBANK, N.A.
|
MA
|
Yes
|
785 |
Credit Reporting
|
microbuilt consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
|
Credit reporting or other personal consumer reports
|
2024-07-26
|
Other personal consumer report
|
Incorrect information on your report
|
Personal information incorrect
|
MicroBilt / PRBC (formerly CL Verify)
|
NC
|
Yes
|
793 |
Credit Reporting
|
Money Lion failed to honor my request to provide proof that I signed an application for credit or signed a contract agreement for loan. Money violated FCRA privacy act by providing my personal information to others without my consent.
I am a victim of identity theft. A complaint has been filed with the FTC, reference # XXXX
|
Credit reporting or other personal consumer reports
|
2024-07-26
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
MoneyLion Inc.
|
GA
|
Yes
|
815 |
Credit Reporting
|
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' CREDIT ACCEPTANCE CORPORATION is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' CREDIT ACCEPTANCE CORPORATION the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, CREDIT ACCEPTANCE CORPORATION whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure CREDIT ACCEPTANCE CORPORATION never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
|
Credit reporting or other personal consumer reports
|
2024-07-25
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
CREDIT ACCEPTANCE CORPORATION
|
PA
|
Yes
|
863 |
Loans
|
I am submitting this complaint against USAA Savings Bank for the following violations : XXXX. Fraud ( XXXX2 CFR 1026.9 - Unfair or deceptive acts or practices ) : USAA Savings Bank engaged in fraudulent activities by Failing to honor checks or drafts : Refusing to pay legitimate checks or drafts, or delaying payment without proper reason ( UCC 3-302, 3-303 ).
Unauthorized signatures : Allowing or creating unauthorized signatures on checks, drafts, or other negotiable instruments ( UCC 3-403 ).
Altering documents : Modifying or altering checks, drafts, or other negotiable instruments without proper authorization ( UCC 3-407 ).
Failing to provide proper notice : Not providing adequate notice of dishonor, non-payment, or other important events related to negotiable instruments ( UCC 3-503, 3-504 ).
Wrongful dishonor : Dishonoring a legitimate check or draft without proper reason, leading to damages or losses for the customer ( UCC 3-502 ).
Failing to act in good faith : Not acting with honesty and fairness in transactions, such as hiding fees or terms ( UCC 1-203 ).
Misrepresenting account status : Falsely reporting account balances, transaction history, or other important information ( UCC 4-202, 4-203 ).
Failing to comply with stop payment orders : Not honoring valid stop payment orders, allowing unauthorized transactions to occur ( UCC 4-403 ).
2. Misrepresentation ( 12 CFR 1026.2 - Definitions and rules of construction ) : USAA Savings Bank misrepresented their services and products. If a bank creates credit without disclosing it, and instead makes the borrower believe they're receiving a loan, it can also be considered a form of peonage. Peonage is a system where a person is forced to work to pay off a debt, often with little control over their circumstances. In this context, the bank 's actions could be seen as a form of peonage, as the borrower is : Misled about the source of funds Forced into a debt obligation without full understanding Required to work to pay off the debt, with interest This can lead to a cycle of debt, where the borrower is trapped in a situation they didn't fully understand or agree to. Peonage is illegal in many jurisdictions, and banks have a responsibility to avoid practices that could be seen as coercive or exploitative.
3. Breach of Contract ( 12 CFR 1026.9 - Unfair or deceptive acts or practices ) : USAA Savings Bank failed to fulfill their obligations under our agreement, specifically : Fiduciary duty : Banks have a fiduciary duty to act in the best interests of their customers, including honoring legitimate bills and bills of exchange.
Contractual obligations : The bank 's failure to honor a bill or bill of exchange can be seen as a breach of their contractual obligations to their customer.
The UCC sections 3-102, 3-303, and 3-305 outline the bank 's responsibilities regarding negotiable instruments, including bills of exchange.
Breach of warranty : By failing to honor a bill or bill of exchange, the bank may be breaching their warranty to accept and pay legitimate instruments.
4. Unlawful Banking Practices : USAA Savings Bank misrepresented that they lent me money, when in fact, my energy was the source of the credit. HJR192.
5. UCC Violations : 3-102. Alteration : USAA Savings Bank altered the terms of our agreement without my consent.
3-305. Defenses and Claims in Recoupment : USAA Savings Bank failed to provide a valid defense for their actions.
4-103. Conditions of Liability : USAA Savings Bank is liable for their actions under the UCC.
Explanation : I created the credit through my promissory note, which was then monetized by USAA Savings Bank without my knowledge or consent. I tendered setoff with negotiable interment on XX/XX/XXXX which was ignored. I requested Validation of the debt XX/XX/XXXX including certified accounting documents, which was also ignored. I then requested rescission on the account XX/XX/XXXX for fraud in many capacities. All documents were mailed in certified mail with acceptance by USAA on ALL.
Details : - Date of Incident : XX/XX/XXXX - Amount Involved : {$35000.00} - Account Information : XXXX
|
Vehicle loan or lease
|
2024-07-24
|
Loan
|
Managing the loan or lease
|
Billing problem
|
UNITED SERVICES AUTOMOBILE ASSOCIATION
|
AZ
|
Yes
|
874 |
Bank Accounts and Services
|
From XX/XX/XXXX until XX/XX/XXXX, my checking account was hacked. A XXXX account was allowed to remove over {$1000.00} from our account through fraudulent withdrawals. I have provided bank statements, records, everything they have requested me to do to dispute these charges. I have met with my Bank manager, she agreed that we were a victim of fraud. She has tried to help me. We are unable to talk to anyone who actually has any power To plead our case. I can absolutely prove the fraud, but they continue to deny my disputes.
XX/XX/2024 {$95.00} XX/XX/2024 {$10.00} XX/XX/2024 {$95.00} XX/XX/2024 {$95.00} XX/XX/2024 {$95.00} XX/XX/2024 {$95.00} XX/XX/2024 {$120.00} XX/XX/2024 XXXX These charges were made from a XXXX XXXX account that did/does not belong to me. I have proven this through documents provided to Regions Bank.
All of these charges went to the same account. XXXX XXXX confirmed these charges were not from my account.
|
Checking or savings account
|
2024-07-25
|
Checking account
|
Managing an account
|
Banking errors
|
REGIONS FINANCIAL CORPORATION
|
TN
|
Yes
|
879 |
Credit Card Services
|
XXXX XXXX my wife ) and I have a Fidelity Signature VISA credit card that is managed by Elan Financial Services, which is owned by US Bank Corp. We were the target of a fraud that was carried out by, most likely, a dishonest Elan employee, a dishonest former Elan employee or a non-employee who had complete access to Elans systems.
The scam was the same as described in the postings on XXXX ( the link is below ).
On Monday XX/XX/year> at XXXX Central Time ( Elans phone records are recorded in Central Time ) my wife received a call from someone purporting to be a customer service representative of Elan. My wife patched me into that call. We were told that someone fraudulently attempted to use our VISA card three times in XXXX, Illinois and the card was declined. That individual had full access to all of our account information. He went through every charge on the card for the prior week, ostensibly to determine whether any of them were fraudulent. He had our email addresses, telephone numbers and address.
The call from the supposed Elan representative showed a caller ID number of XXXX XXXX XXXX. ( I was told that Elans records showed that a call was made by an Elan employee to my wife at that time. ) Based on that person having information that was only available from Elans systems, I had no reason to believe that we were the targets of a fraud.
The caller said that the compromised card would be cancelled ( I later found out from the Elan fraud group that it was not ), and a new card would be sent to us. We said that we were travelling and would be in XXXX for several weeks. We provided a XXXX address to which the new cards should be sent. Shortly after that call ended I got an email from Fidelity Card Services ( I confirmed that it was issued by Elan ) indicating that new cards would be sent to us. BUT, it indicated that the address to which our new cards would be sent was an address in the XXXX.
I had multiple calls with Elan customer service representatives after receiving the email stating that our replacement cards would be sent to a fraudulent address in the XXXX. On Tuesday XX/XX/year> I was finally able to speak with a competent person at Elan, who is in its fraud group. ( She said that a more senior person at Elan would follow up and call me. No one has called me. ) She confirmed that an outgoing call was made to my wife at XXXX that call lasted XXXX minutes. She indicated that at XXXX ( CT ) someone called Elan, posing as my wife and asked that the cards be sent to the XXXX address. The Elan customer services representative who received that call determined, based on the incoming call telephone number, that the caller was a known fraudster. At XXXX ( CT ) that person called Elan again. The customer representative who received that call directed that the replacement cards should be sent to the fraudulent XXXX address.
The call XXXX and I had with the presumed Elan customer service representative did not end until XXXX ( CT ). Within 13 minutes of the call to my wife and while that call was in progress, someone called pretending to be my wife called Elan asking for the cards to be sent to the fraudulent address. As noted above that call was terminated. At XXXX, while my wife and I were still on the call with the purported Elan customer service representative, the fraudster posing as my wife called Elan again and successfully convinced Elan to send the replacement cards to the fraudulent address.
This looks like an inside job carried out by dishonest Elan employees or former employees ; or non-employees who have full access to Elans systems. How else could someone posing as my wife call Elan within minutes of Elan calling her claiming that our VISA card was compromised. As the postings that can be found on the following link indicate, this scam has been ongoing for some time. Elan and US Bank Corp. have very serious issues with IT security, internal controls and XXXX XXXX compliance.
XXXX XXXX XXXXXXXX
|
Credit card
|
2024-07-24
|
General-purpose credit card or charge card
|
Other features, terms, or problems
|
Other problem
|
U.S. BANCORP
|
FL
|
Yes
|
880 |
Credit Reporting
|
On or about XX/XX/year>, I sent a cashier 's check in the amount of {$230.00} to Money Lion Technologies. The details of this transaction are outlined in the attached letter, and it was clearly stated on the money order that if cashed, Money Lion agreed to accept the payment as in full and remove the account XXXX from all credit bureau profiles associated with my name and social security number.
To my disappointment, the check was cashed on XX/XX/year>, and it has been 79 days since then. However, the account XXXX still remains on my credit profile, despite the agreed-upon terms.
I kindly request your assistance in resolving this matter and ensuring that the account XXXX is promptly removed from all credit bureau profiles associated with my name and social security number. This discrepancy is causing undue stress and negatively impacting my creditworthiness.
I have made multiple attempts to contact Money Lion Technologies directly, but have not received a satisfactory response. Therefore, I am reaching out to your esteemed organization for support and intervention in this matter.
Attached to this email, you will find a copy of the letter I sent to Money Lion Technologies, as well as proof of payment in the form of the cashed cashier 's check.
|
Credit reporting or other personal consumer reports
|
2024-07-24
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
MoneyLion Inc.
|
IL
|
Yes
|
886 |
Credit Reporting
|
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
Experian Information Solutions Inc.
|
IL
|
Yes
|
890 |
Credit Reporting
|
This account XXXX Account number XXXX is only showing on my XXXX report but it should be showing on Experian and XXXX but for some error reasons it's not I have made a complaint and nothing was fixed and now I'm making another one no one have helped
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Information is missing that should be on the report
|
Experian Information Solutions Inc.
|
NY
|
Yes
|
893 |
Credit Reporting
|
XXXX XXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).
Provide breakdown of fees including how you calculated what you claim I owe.
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA.
Send me proof that you are licensed to collect debt in the my state.
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA.
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Experian Information Solutions Inc.
|
TX
|
Yes
|
901 |
Credit Reporting
|
I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX BANK ACCOUNT # XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
Experian Information Solutions Inc.
|
IL
|
Yes
|
906 |
Credit Reporting
|
I am submitting this complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. I urge you to prioritize this matter and provide a written response within the legally mandated 30-days timeframe, confirming the deletion of the fraud items on my credit report. Kindly help me delete these following items : XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX Balance Owed : {$5100.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} ; XXXX XXXXXXXX Balance Owed : {$730.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX XXXX XXXX XXXXK XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
Experian Information Solutions Inc.
|
NY
|
Yes
|
907 |
Credit Reporting
|
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Personal information incorrect
|
Experian Information Solutions Inc.
|
PA
|
Yes
|
909 |
Credit Reporting
|
I was reviewing my consumer report and noticed these inquiries that does not belong to me.
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
NJ
|
Yes
|
910 |
Credit Reporting
|
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing that I owe {$320.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX P.S. 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. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MA
|
Yes
|
915 |
Credit Reporting
|
On XX/XX/2018 I received this email from XXXX XXXX, on behalf of XXXX XXXX Good Morning XXXX, Both my XXXX, XXXX XXXX ( XXXX ) along with Associate Director, XXXX XXXX ( XXXX ) are working on your situation with following resolutions : Will be submitting a refund Will be removing you from course as well as grade not impacting XXXX and then being registered for upcoming XXXXXXXX XXXX
Regards, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If I am unavailable and you need immediate assistance, please call Toll-Free Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Description : Description : Description : XXXXXXXX XXXX XXXXXXXX : XXXX : XXXX : Description : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only did they not follow through on handling the financial error, but this account has been negatively impacting my account and credit report as a result of the incorrect and fraudulent information. XXXXXXXX XXXX attempted to get me to repeat and charge me for a course that I had already completed and now is still trying to collect on my for a course I was never supposed to be in. This is why XXXX XXXX XXXXXXXX promised to fix it but never did. This MUST be removed from my credit report immediately.
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
GA
|
Yes
|
922 |
Debt Collection
|
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
|
Debt collection
|
2024-06-11
|
I do not know
|
Written notification about debt
|
Notification didn't disclose it was an attempt to collect a debt
|
Experian Information Solutions Inc.
|
MD
|
Yes
|
931 |
Credit Reporting
|
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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.
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
MD
|
Yes
|
934 |
Credit Reporting
|
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA XXXX. I've noticed discrepancies in several listed accounts, which is causing concern.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
Experian Information Solutions Inc.
|
NM
|
Yes
|
936 |
Credit Reporting
|
Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX ACCT # XXXX
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Experian Information Solutions Inc.
|
NV
|
Yes
|
938 |
Credit Reporting
|
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
Experian Information Solutions Inc.
|
IL
|
Yes
|
948 |
Credit Reporting
|
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
Experian Information Solutions Inc.
|
FL
|
Yes
|
949 |
Loans
|
To Whom it May Concern, Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX of XXXX. As a matter of fact, The XXXX Institutes were investigated by the Dept. of Education.
Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as The XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX XXXX, and my fedderal loans of {$67000.00} were XXXX and my credit repaired.
My Borrower Defense Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member.
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, Navient als
o got out of the federal student loan business due to scrutiny from lawmakers and borrower advocates. Navient had to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance. Furthermore, Navient has been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connect
ion with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.
While my loans were originally with XXXX XXXX ( Navient ), they have since been refinanced with XXXX. I faxed Navient on XX/XX/XXXX requesting the private loan discharge application, but have not heard back. Because of the Navient settlement, they should, in turn take the blunt and my private loans should be forgiven with XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX
|
Student loan
|
2024-05-29
|
Private student loan
|
Dealing with your lender or servicer
|
Problem with customer service
|
Navient Solutions, LLC.
|
PA
|
Yes
|
950 |
Credit Card Services
|
On XXXX XX/XX/XXXX I received in the mail an Ink Business Unlimited Card with a {$20000.00} credit access line. I did NOT apply for the card. I called Chase at XXXX on XX/XX/XXXX and immediately closed the card. I also asked for information pertaining to the application of the card and if the card was sent to any other addresses. I was told that I had to send my drivers license, fill out a complaint with indentitytheft.gov and write a letter requesting the application and mail it to Chase at : Chase Card Services XXXX Fact Act XXXX XXXX XXXX XXXX, XXXX XXXXXXXX I do not want to provide more information to Chase if XXXX do not have to.
|
Credit card
|
2024-05-28
|
General-purpose credit card or charge card
|
Getting a credit card
|
Sent card you never applied for
|
JPMORGAN CHASE & CO.
|
IL
|
Yes
|
954 |
Credit Reporting
|
I, XXXX XXXX XXXX, affirm my status as a living individual. I am reaching out to address a matter of significant concern regarding my credit report. Upon reviewing the information contained within, I have discovered several discrepancies that I believe require immediate attention. It has come to my attention that certain accounts listed on my credit report do not belong to me, and their inclusion is not only inaccurate but also violates my rights as a consumer. Allow me to elaborate on the specific issues I have identified and the laws that support my claim : XXXX15 U.S Code 1681a ( XXXX ) - Consumer Right to Privacy : ** The presence of fraudulent accounts on my credit report constitutes an intrusion into my privacy rights. I firmly believe that I have the sole authority to determine what information is private and should be shared on my credit report.
**FDCPA XXXX - Misleading False Reporting : ** The information being reported falsely suggests that I have applied for numerous inquiries and accounts, which is simply not the case. This misleading representation can have detrimental effects on my financial standing and is a violation of the Fair Credit Reporting Act ( FCRA ).
XXXX15 USC 1681n - Civil Liability for Willful Noncompliance : ** Your agency 's failure to verify the accuracy of credit information before reporting it XXXX result in civil liability. It is imperative that accurate and verified information is reported to ensure fairness and transparency in the credit reporting process.
XXXX18 U.S. Code 1028A - Aggravated Identity Theft : ** Sharing my personal information with creditors without obtaining my consent may constitute aggravated identity theft, a serious criminal offense punishable by law.
XXXX15 U.S. Code 6802 ( b ) XXXX ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with Respect to Disclosures of Personal Information : ** Your agency 's failure to disclose my right to opt out of information sharing is concerning and deceptive. As a consumer, I should have the option to exercise my right to privacy and confidentiality regarding my personal information.
XXXX XXXX - XXXX Deceptive Forms : ** XXXX unvalidated debts without proper verification is misleading and deceptive. It is essential that accurate and verified information is reported to avoid any misrepresentation of my financial status.
XXXX15 U.S. Code 1692f - Unfair Practices : ** XXXX unvalidated debts as if they were accurate constitutes an unfair practice. It is essential that all reported information is verified and validated to ensure fairness and accuracy.
XXXX15 U.S. Code 1602 - Definitions and Rules of XXXX : ** As the original creditor, I did not XXXX authorization for the deferral of payments. Your agency 's reporting of inaccurate information violates my rights and undermines the integrity of the credit reporting process.
**FDCPA XXXX - Harassment and Abuse : ** Your agency 's actions have caused me undue distress and inconvenience. Despite my efforts to rectify the situation, inaccurate information continues to be reported without my consent, leading to ongoing harassment from creditors.
**Section XXXX ( XXXX ) - Identity Theft : ** The illegal acquisition of my personal information and its unauthorized use by creditors constitutes identity theft, a serious offense that must be addressed.
XXXX15 U.S. Code 1692b ( XXXX ) - XXXX of XXXX XXXX : ** XXXX debts without my consent is a clear violation of my rights and further compounds the inaccuracies present in my credit report.
XXXX15 U.S. Code 1666b - Timing of Payments : ** XXXX " late payments '' without a clear definition is both inaccurate and deceptive. It is crucial that accurate information is reported to ensure fairness and transparency in the credit reporting process.
XXXX15 U.S. Code 1605 - Determination of XXXX XXXX : ** Inclusion of inaccurate finance charges further exacerbates the inaccuracies present in my credit report and must be rectified immediately.
XXXX15 U.S. Code 1692d ( XXXX ) - Harassment and Abuse : ** XXXX unvalidated debts negatively impacts my reputation and constitutes harassment and abuse. It is imperative that all reported information is accurate and verified to avoid any misrepresentation of my financial status.
XXXX15 U.S. Code 1692j - Furnishing Certain Deceptive Forms : ** Any contracts signed without my authorization constitute a violation of this statute and must be addressed accordingly.
XXXX15 USC 1692h - Multiple Debts : ** Any payments made on unvalidated debts must be returned to me promptly, as per this statute.
XXXX15 U.S. Code 1692g - Validation of Debts : ** Only I can validate debts, and your agency 's failure to remove unvalidated accounts is a violation of my rights as a consumer.
XXXX15 U.S. Code 1681b - XXXX Purposes of XXXX XXXX : ** XXXX information without obtaining written consent violates this statute and undermines the integrity of the credit reporting process.
XXXX15 USC 1681i Procedure in case of disputed accuracy : ** Under this law, when a consumer notifies a furnisher that they believe there is inaccurate information on their credit report, the furnisher is required to conduct a reasonable investigation into the dispute. This investigation typically involves reviewing the relevant information provided by the consumer, as well as any supporting documentation, and then either verifying, correcting, or deleting the disputed information as necessary.
The furnisher must complete the investigation within a reasonable timeframe, generally within 30 days, although extensions may be granted under certain circumstances. Once the investigation is complete, the furnisher must report the results back to the consumer and, if applicable, update the information with the CRAs.
Failure to comply with the requirements of XXXX15 U.S. Code 1681iXXXX can result in penalties for the furnisher, including fines and potential legal action by the consumer.
Overall, this law ensures that consumers have the right to challenge and correct inaccurate information on their credit reports, helping to maintain the integrity and fairness of the credit reporting system.
I, XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
These accounts are erroneous and must be blocked and removed from my credit report. I have already submitted reports to the FTC, which are enclosed herewith. My identity was compromised, resulting in the fraudulent creation of inaccurate accounts without my authorization. Additionally, the credit reporting agencies have disseminated this false and misleading information, contravening the Fair Credit Reporting Act ( FCRA ).
Under 15 U.S. Code 1681c-2, it is mandated that a comprehensive reinvestigation be conducted promptly upon receipt of this letter, with a strict obligation to block or update any information discovered as a result of identity theft within a timeframe of XXXX days. Failure to adhere to this legal requirement constitutes a violation of the law, exposing the credit reporting agency to both criminal and civil liability. The associated fees outlined in the attached invoice will be enforced, with the understanding that any fraudulent accounts reported are a consequence of the XXXX and Experian XXXX breaches, which are currently under investigation by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). Additionally, in accordance with FCRA XXXX, it is imperative that this information be blocked immediately pending the outcome of the ongoing investigation.
Furthermore, as outlined in 15 U.S.C. 1681n, the XXXX XXXX XXXX faces civil liability for willful noncompliance, with damages incurred by the consumer due to such failure resulting in compensation of {$1000.00} or the actual damages sustained, whichever is greater. XXXX of payment in the form of a check is stipulated, with a request for compensation to be provided within XXXX hours of receiving this dispute letter.
Moreover, under 15 U.S.C. 1681g, the consumer possesses the unequivocal right to demand disclosure of all documents recorded and retained by the XXXX XXXX XXXX pertaining to the accounts reported on the credit report.
Lastly, 15 USC 1681b specifies the permissible purpose of consumer reports, emphasizing that consumer reporting agencies may only furnish a consumer report under specific circumstances, primarily upon receiving written instructions from the consumer directly.
In light of these issues, I kindly request the immediate removal of all unauthorized accounts from my credit report. Failure to do so may result in further legal action to rectify these violations. Additionally, I request that all documents related to the disputed accounts be provided to me as required by law.
Thank you for your attention to this matter. I trust that you will take the necessary steps to address these concerns promptly and ensure the accuracy and integrity of my credit report.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
Experian Information Solutions Inc.
|
NJ
|
Yes
|
965 |
Credit Reporting
|
fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
GA
|
Yes
|
966 |
Credit Reporting
|
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
Yes
|
967 |
Credit Reporting
|
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
Yes
|
968 |
Credit Reporting
|
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
Yes
|
969 |
Credit Reporting
|
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
TX
|
Yes
|
972 |
Credit Reporting
|
Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Problem with a company's investigation into an existing problem
|
Their investigation did not fix an error on your report
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
Yes
|
973 |
Credit Reporting
|
According to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), consumer reporting agencies must handle their significant responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX, Transunion, and XXXX are such agencies, and as a consumer, I have the right to ensure my private information is not shared. This right is supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. I have reached out to all three agency in hopes they would correct there gross misconduct by violating my consumer rights.
A furnisher of information to credit agencies, considered a financial institution under this title, must follow these guidelines. According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer. Neither XXXX, XXXX, or TransUnion nor any furnisher of information to credit agencies has my consent to share this information, and any previous consent is revoked.
Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to opt-out. I was never informed of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a report if it is more than seven years old, except for records of criminal convictions. The adverse item in question is being reported without my permission. Because of these laws being violated my personal information is not being used on the dark web and which case I am severely stressed out because the financial hardship that is being caused by this violation of my consumer rights.
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
AZ
|
Yes
|
975 |
Credit Reporting
|
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
Experian Information Solutions Inc.
|
NY
|
Yes
|
981 |
Credit Reporting
|
This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
|
Credit reporting or other personal consumer reports
|
2024-07-02
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
TRANSUNION INTERMEDIATE HOLDINGS, INC.
|
FL
|
Yes
|
988 |
Credit Reporting
|
In accordance with the fair credit reporting act, the list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The account bellow have violate my rights.
15 U.S.C 1681 section XXXX. States I have the right to privacy 15 U.S.C 1681 section XXXX A section XXXX : it also state consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168C. ( A ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information. Other than records of conviction of crimes which antedates the report by more than XXXX years 15 U.S.C 1681s-2 ( A ) ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the XXXX knows or has reasonable cause to believe that the information is inaccurate Delete the account bellow : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
|
Experian Information Solutions Inc.
|
FL
|
Yes
|
1,389 |
Bank Accounts and Services
|
On XX/XX/XXXX I had a joint checking account and stock account with Merrill lynch on XX/XX/XXXX Merril lynch informed me they would be shutting down my account they said I could close positions.
This was not true I was not able to do anything online.
Without informing me as they should by email as outlined in their client engage agreement they sent me stock certificates and charged me XXXX {$920.00} XXXX and XXXX XXXX and the XXXX dollars was for XXXX dollars in stock. This was from my checking account.
On XX/XX/XXXX I spoke to senior resolution specialist XXXX XXXX and he said they sent a letter by regular mail that I did not receive that they would do such actions asked him repeatedly for information where it says that in the agreement and he refused to answer me and just told me to read it and in fact they are required to at least send me in email notification which they did not.
|
Checking or savings account
|
2024-07-31
|
Checking account
|
Problem with a lender or other company charging your account
|
Transaction was not authorized
|
BANK OF AMERICA, NATIONAL ASSOCIATION
|
MD
|
Yes
|
1,390 |
Credit Card Services
|
I received an email from XXXX confirming my {$750.00} purchase on a credit card I did not use, I called immediately Bank of America and reported fraud. They investigate but when the merchant confirms the sale ( to some unknown person ) they reject the claim, twice. This is for a Spanish language concert XXXX I dont speak XXXX XXXX XXXX miles from my location ( it was in XXXX and I was in XXXX XXXX XXXX XXXX
I did not make the charge, I instantly reported it but BOA insists on charging me.
|
Credit card
|
2024-07-30
|
General-purpose credit card or charge card
|
Problem with a purchase shown on your statement
|
Credit card company isn't resolving a dispute about a purchase on your statement
|
BANK OF AMERICA, NATIONAL ASSOCIATION
|
WA
|
Yes
|
1,391 |
Credit Reporting
|
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
|
Credit reporting or other personal consumer reports
|
2024-07-30
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
ProCollect, Inc.
|
TX
|
Yes
|
1,396 |
Credit Reporting
|
There was a billing error on SELECT PORTFOLIO SER Opened : XXXX XXXX, XXXX Balance : {$600000.00} which caused an incorrect late payment report. I had already paid the bill, but the payment was not correctly applied due to a processing error. I have never been late on this account.
|
Credit reporting or other personal consumer reports
|
2024-07-30
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
SELECT PORTFOLIO SERVICING, INC.
|
PA
|
Yes
|
1,398 |
Credit Card Services
|
On XX/XX/XXXX I made a single application for a new Citi Bank Credit Card. I already have 2 business accounts and a personal account with them. The application was denied online so I called in to see why and was told I would get a letter. On XX/XX/XXXX I received a letter stating in part ... '' We're unable to approve your application because we couldn't verify some of the information on your application. '' I called back on XX/XX/XXXX and ask what they could not verify. The agent told me she could not tell me and then transferred me to a supervisor that said the same thing. I explained that I already had other accounts with no issue and how could I provide documents or whatever was needed for them to be able to verify my information. The supervisor told me there was nothing they could do and it would stand at denied. Since they did not base their decision on my credit, but something else, I asked how they could XXXX ) request my credit in the first place and XXXX ) not allow me to rectify the situation. It wasn't until I logged into XXXX to dispute the inquiry did I discover they pulled my credit twice on the same day.
|
Credit card
|
2024-07-30
|
General-purpose credit card or charge card
|
Getting a credit card
|
Application denied
|
CITIBANK, N.A.
|
FL
|
Yes
|
1,515 |
Credit Card Services
|
I have a government travel card with Citi as a military member. The account was closed over 10 years ago. However, the military requires me to maintain the XXXX account. Every few years I try to get the account reinstated because of training or military missions but I get nothing but back and forth and the run around from CITI. Most recently I called CITI three times only to be on hold for an hour each time and to be given different directions each time. They return my hard copy or email application for corrections, but I make corrections and then resubmit. Then they claim they have changed the process. Sometimes I am told I have to apply for a new card, which I do then it gets declined because I can not apply for a new card, I am told I must apply for reinstatement. However, I get the run around with the reinstatement and how to correctly get this process done which takes weeks to a month to get a reply from CITI. CITI often makes me defer to my unit administration who runs the program from the military side but then they do not know the answers either. This is potential affecting my career at this point or else I would continue without the card. However, the military has relied too much on this program and it is ineffective. CITI makes XXXX XXXX XXXX on this government contract, but they can not effectively run the program. Soldiers are left on hold for hours with terrible service and poor guidance from CITI. The government needs to take this contact away from CITI bank ASAP.
|
Credit card
|
2024-07-29
|
General-purpose credit card or charge card
|
Other features, terms, or problems
|
Problem with customer service
|
CITIBANK, N.A.
|
FL
|
Yes
|
1,528 |
Loans
|
I am writing to file an urgent formal complaint regarding the foreclosure of my property located at XXXX XXXX XXXX XXXX, Fl. As XXXX and XXXX individuals, my spouse and I are in a particularly vulnerable situation, and we respectfully request that you expedite the review of our case.
The foreclosure judgment requires us to vacate our property within 30 days, causing significant hardship and distress, especially given our age and health conditions. However, I have evidence suggesting irregularities in the foreclosure process, including : 1. A release of lien document that was not properly considered 2. Documentation showing that my loan was never securitized 3. Evidence of a fraudulent transfer of the loan through a questionable assignment These issues were not adequately addressed during the foreclosure proceedings, and I believe they materially affect the validity of the foreclosure judgment.
Given our vulnerable status and the imminent threat of homelessness, we urgently request a thorough and expedited investigation into this matter, particularly focusing on : - The validity of the foreclosure in light of the release of lien - The securitization status of our loan and its impact on the foreclosing entity 's standing - The legality of the loan transfer and assignment A foreclosure sale is currently scheduled for XXXX XXXX I have recently uncovered evidence of significant fraud and irregularities related to the securitization of the mortgage in question, which materially affects the validity of the foreclosure judgment. This transfer was transferred after the closing date of the said trust closed.
Specifically, I discovered that XXXX XXXX XXXX XXXX, purportedly the holder of the mortgage, is not a legitimate entity holding the mortgage, but rather a vehicle for fraudulent securitization.
I allege that : a. XXXX XXXX XXXX XXXX is a false flag entity used by the investment bank to lure the homeowner into becoming an unwitting co-issuer of securities.
b. These securities were sold to investors without any conveyance of right, title, or interest to any obligation, legal debt, note, or mortgage.
c. The sale of these securities, along with several other tranches of securities based on the initial certificates, paid off all loans to the investment bank bookrunner.
d. This resulted in the elimination of any loan account receivable.
e. The process produced revenues and profits for the investment bank that far exceeded normal fees, revenues, and profits from either the sale of securities or loan products.
Based on these facts, I contend that : a. There is a complete absence of any duty to make scheduled payments on a nonexistent loan account receivable.
b. There is no financial or economic loss that can be attributed to the homeowner withholding payment.
c. There is no valid experience of default by any creditor.
d. The declaration of default is false.
e. The conditions precedent to foreclosure are absent.
Furthermore, I discovered evidence that the purported assignment of the mortgage was invalid : a. The assignment of my mortgage allegedly occurred on XX/XX/XXXX b. This assignment purportedly transferred the mortgage to US Bank as successor to XXXX XXXX XXXX.
c. However, US Bank did not become successor to XXXX XXXX XXXX XXXX XXXX.
d. Therefore, it was legally impossible for US Bank to have been assigned the mortgage as successor to XXXX XXXX XXXX on the date claimed.
e. The transfer was done almost 2 years after the bank was bankrupt.
f. The preparer of this mortgage assignment was disbarred for 3 years for making fraudulent assignments.
g. Robo signers exist on the assignment This inconsistency in dates further demonstrates the invalidity of the chain of title and provides additional grounds to question the legitimacy of the foreclosure action.
I have evidence that the mortgage in question was included in an FDIC settlement : a. The mortgage that is the subject of this foreclosure action was part of an FDIC settlement agreement.
b. I possess documentation to prove this inclusion in the FDIC settlement.
c. The inclusion of this mortgage in an FDIC settlement raises significant questions about : i. The current ownership and standing of the party attempting to foreclose.
ii. Whether the debt has already been satisfied or otherwise resolved through the FDIC settlement.
iii. The validity of any subsequent transfers or assignments of the mortgage after the FDIC settlement.
The evidence presented in The above points materially affects the validity of the foreclosure judgment.
We look forward to your immediate attention to this matter and a thorough investigation of these serious concerns. The urgency of our situation can not be overstated, and we greatly appreciate any efforts to expedite this process.
XXXX XXXX
|
Mortgage
|
2024-07-29
|
FHA mortgage
|
Closing on a mortgage
|
Closing disclosure or other related disclosures
|
SELECT PORTFOLIO SERVICING, INC.
|
FL
|
Yes
|
1,549 |
Debt Collection
|
I've never heard of AMSHER until I logged into my credit report today [ XXXX XX/XX/year> ]. I filed a dispute against XXXX and provided my RECEIPT showing I paid for the item T-Mobile falsely claimed I owed, as such, XXXX removed the debt from their " original '' debt collector.
It's apparent the original debt collector " sold '' the account to AMSHER.
AMSHER is also in violation of my rights in failing to comply with FDCPA and reporting this bogus debt to all 3 credit bureaus BEFORE ever notifying me AND before AMSHER validated the validity of this debt.
I have also attached to this complaint an Electronic Certified Debt Validation Letter, notifying AMSHER they have 30 days from the date on the Electronic Certified Debt Validation Letter to validate this debt.
Until then, they MUST remove this account from ALL 3 credit bureaus.
|
Debt collection
|
2024-07-28
|
Telecommunications debt
|
Attempts to collect debt not owed
|
Debt is not yours
|
Amsher Collection Services, Inc.
|
MO
|
Yes
|
1,558 |
Debt Collection
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Dear [ XXXX XXXX XXXX ], I am writing to dispute the debt you claim I owe in the amount of [ {$280.00}. I believe your actions regarding this account violate several consumer protection laws.
Specifically, you have failed to provide me with validation of the debt as required by 12 CFR 1006.34B5. Additionally, you reported this debt to a credit reporting agency without affording me the opportunity to dispute it, in violation of 12 CFR 1006.34C4. Your actions constitute misleading, misrepresentative, and deceptive practices, which violates 12 CFR 1634D and 15 USC 1681S27 ( A ).
I am requesting the following : Immediate validatio of the debt, including a copy of the original creditor 's purchase agreement.
Removal of this account from my credit report until this dispute is resolved.
A cessation of all communication with me except via email, text, or phone call.
I am also filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these violations.
I expect a prompt and comprehensive response to this dispute.
Sincerely, [ XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, La. XXXX [ XX/XX/year> ] Dear [ Credit Management ], I am writing to request proof of your licensing and bonding as a debt collector. This information is necessar to verify your authority to collect the debt you claim I owe in the amount of [ {$280.00} ].
Please provide copies of your license and bonding certificate. Louisiana XXXX XXXX. XXXX and all its sub chapters Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
|
Debt collection
|
2024-07-27
|
Other debt
|
Written notification about debt
|
Didn't receive notice of right to dispute
|
The CMI Group, Inc.
|
LA
|
Yes
|
1,565 |
Debt Collection
|
This is my third attempt to investigate into this matter with this company I asked this company for the signed contract. I have yet to receive anything in the mail I have sent everything certified mail asking and I verify my identify.
|
Debt collection
|
2024-07-27
|
Telecommunications debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
|
SUNRISE CREDIT SERVICES, INC
|
PA
|
Yes
|
1,804 |
Bank Accounts and Services
|
hey I recently tried to open an account up with US Bank but they are giving me a hard time opening a account up. US Bank states that I cant open up a checking account up with them. I dont have any bad banking history with US Bank or any other bank I am being treated unfairly they didnt give me any specific reason why Im keep being denied for a checking account
|
Checking or savings account
|
2024-07-26
|
Checking account
|
Opening an account
|
Unable to open an account
|
U.S. BANCORP
|
AZ
|
Yes
|
1,805 |
Credit Card Services
|
Ordered sunglasses from XXXX. Order # ID : XXXX. Sunglasses arrived with XXXX broken lens and my account was charged {$140.00} plus {$9.00} tax.
I returned the glasses XXXX day after receiving package and was given a tax credit for the {$9.00}. The merchant charged me a restocking fee of {$140.00}.
Now, I have no sunglasses and a credit card charge for {$140.00} that citi bank is requiring me to pay.
|
Credit card
|
2024-07-25
|
General-purpose credit card or charge card
|
Problem with a purchase shown on your statement
|
Credit card company isn't resolving a dispute about a purchase on your statement
|
CITIBANK, N.A.
|
FL
|
Yes
|
1,895 |
Credit Reporting
|
I recently looked at my consumers report and noticed several inaccuracies an accounts. These accounts is hurting my ability to obtain credit. It is my understanding that you will investigate these accounts for full accuracy. These are the accounts i am asking you to investigate. 1. ( XX/XX/XXXXXXXX account number XXXX ) XXXX. ( XXXX XXXX account number XXXX ) XXXX XXXX XX/XX/XXXXaccount number XXXX )
|
Credit reporting or other personal consumer reports
|
2024-07-25
|
Credit reporting
|
Incorrect information on your report
|
Account information incorrect
|
Experian Information Solutions Inc.
|
MI
|
Yes
|
1,931 |
Credit Card Services
|
On XX/XX/year> I received a summons in the mail for a lawsuit filed by Velocity Investments in the amount of {$1900.00} against me. They state that i entered into a financial agreement with " XXXXXXXX XXXX XXXX '' which is inaccurate. I have no knowledge of this account in my name ; I have never given authorization for someone to enter in a financial agreement on my behalf and affirm this account has been opened and utilized fraudulently without consent or authorization. I have filed a response with the courts to dispute the validity of this information and notify them that I have become a victim of identity theft and currently working with the FTC.
|
Credit card
|
2024-07-23
|
General-purpose credit card or charge card
|
Getting a credit card
|
Card opened without my consent or knowledge
|
Velocity Portfolio Group
|
IN
|
Yes
|
1,948 |
Credit Card Services
|
On XX/XX/year>, I bought a lamp that was never deliver. I open a dispute immediately since that I have been month discussing the dispute with Citi bank because they resolved the issue on my behave but they continue to reverse the credit. {$1400.00} credit from XX/XX/XXXX was reversed again on XXXX. I will not pay for goods that were not delivered, especially since I have provided proof of this. I requested an audit to be sent to me a month ago, but I have yet to receive it. If Citicard affects my credit, I will escalate this matter further. This issue requires urgent attention. Despite calling every week, the audit promised by Citibank has not been sent to me. I am growing increasingly weary of this situation.
|
Credit card
|
2024-07-20
|
General-purpose credit card or charge card
|
Problem with a purchase shown on your statement
|
Credit card company isn't resolving a dispute about a purchase on your statement
|
CITIBANK, N.A.
|
FL
|
Yes
|
1,966 |
Credit Reporting
|
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account.
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account.
XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account.
XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account.
XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account.
XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account.
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account.
XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account.
XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account.
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS SUNRISECRED Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS STRIKE XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
|
Credit reporting or other personal consumer reports
|
2024-06-11
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Experian Information Solutions Inc.
|
AZ
|
Yes
|
1,978 |
Debt Collection
|
am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I have previously disputed the validity of this debt in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). However, I have not received satisfactory documentation that substantiates the existence and accurate nature of this debt.
As a consumer, it is my right to request and receive proper validation of any alleged debt. I am fully aware of my rights under the FDCPA and FCRA, which include the right to request verification and validation of the debt, as well as the right to dispute any inaccuracies or inconsistencies found in the information reported to the credit bureaus.
In light of the aforementioned, I kindly request that you provide me with the following information to validate the debt
|
Debt collection
|
2024-06-11
|
I do not know
|
Attempts to collect debt not owed
|
Debt was paid
|
Experian Information Solutions Inc.
|
NJ
|
Yes
|
2,022 |
Bank Accounts and Services
|
- on XX/XX/XXXX Logged into my account and noticed that there were a number of fraudulent charges placed on my card. Contacted the bank right away to report my debit card has been compromised.
- Each transaction was done at " XXXX '' in different states even though in all the years i have used my account no charge has ever been done outside of NY state.
- Bank credited back the fund XXXX in total while they investigated the fraud.
- XX/XX/XXXX - bank reversed the credit stating these charges are not fraudulent because the debit card was present during the transactions. This is regardless of the fact that i explained i was out of the country, have never used my debit card anywhere outside of NY.
Tried to contact the bank repeatedly after this to dispute their findings.
|
Checking or savings account
|
2024-07-24
|
Checking account
|
Problem with a lender or other company charging your account
|
Transaction was not authorized
|
CITIBANK, N.A.
|
NY
|
Yes
|
2,026 |
Bank Accounts and Services
|
There was an unauthorized transaction made on my account ending in XXXX on XXXX to a place named XXXX in XXXX, AL. I informed the bank that this was not me. I reported my card as stolen as soon as I found out.
My claim was denied by the bank, and their reason for denying the claim is my card was physically present at the location. Ive never been to this establishment. I have not given my card or card information to anyone.
|
Checking or savings account
|
2024-07-24
|
Checking account
|
Managing an account
|
Problem using a debit or ATM card
|
REGIONS FINANCIAL CORPORATION
|
AL
|
Yes
|
2,041 |
Credit Card Services
|
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Mr./Ms. XXXX XXXX XXXX XXXX XXXX Citibank , N.A .
XXXX XXXX XXXX XXXX, KY XXXX Sent via XXXX XXXX Return Receipt Dear XXXX, I received your letter dated XX/XX/XXXX. This letter is a direct response to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), copy enclosed for ease of reference.
With reference to your letter, I would like to correct some facts for the record : Citibank claims in the XXXX line of the letter ( XX/XX/XXXX ) that I opened an account in XXXX and was awarded a Platinum Select Card. For the record, I moved to the United States in XXXX and was not in a position to open an account with Citibank since, at that time, I was unemployed and was in the process of establishing the necessary residency paperwork. That being said, I did not open an account with Citibank nor was I in possession of any credit cards.
Citibank claims that I owe a large debt on a Platinum Select Card ; however, I have never received any notice of this debt and I do not owe this debt.
Citibanks attorney claims that I was served with a notice and that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I have never lived in XXXX XXXX, NJ, and I never been served since I have been a resident of the State of Virginia for more than a decade. It appears that Citibank is aware that I do not live in New Jersey since your letter was addressed correctly to my Virginia address.
It has come to my attention that Citibank may be pursuing garnishment of my wages for a debt that I am not responsible for and would seek legal counsel to protect my interest.
Please correct your records accordingly and inform all Citibanks legal representatives of these errors. I would appreciate if you would inform me when this matter is resolved.
Respectfully, XXXX XXXX
|
Credit card
|
2024-07-24
|
General-purpose credit card or charge card
|
Other features, terms, or problems
|
Other problem
|
CITIBANK, N.A.
|
VA
|
Yes
|
2,043 |
Loans
|
Filed for modification and a year later Shell point mortgage gave a tripled amout modification of seven years art which I could not afford. They did not offer mediation or forbearance
|
Mortgage
|
2024-07-24
|
Conventional home mortgage
|
Struggling to pay mortgage
|
Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
Shellpoint Partners, LLC
|
MD
|
Yes
|
2,063 |
Debt Collection
|
I have disputed these accounts several times, even years, with no response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes that I have made to them, and despite this they ignore me, how is it possible that they treat me like this, the truth is I am tired of fighting and I feel Vulnerated ... What an injustice. That's why I need you to help me.
For the accounts, I requested a detailed Validation and certification test where you verify that Copies of all disclosures provided regarding the sharing of my non-public personal information with third parties, as provided in 15 U.S.C. 6802 ( b ).
A copy of the records used to verify the cancellation of my accounts.
An update on the status of the disputed cancellation, reflecting any corrections made based on my dispute. But such were not provided or answered as legally required by law for my consumer rights.
|
Debt collection
|
2024-07-23
|
Rental debt
|
Written notification about debt
|
Didn't receive notice of right to dispute
|
FAIR COLLECTIONS & OUTSOURCING, INC.
|
CA
|
Yes
|
2,068 |
Credit Reporting
|
Credit Acceptance reported on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX andn XXXX, XX/XX/XXXX report to XXXX, XXXX, XXXX without consent Violation of 15 U.S.C. 1681 Section 602 : This section of the FCRA emphasizes the importance of accuracy and fairness in credit reporting. The late payment entries on my credit report are inaccurate and do not reflect my true payment history.
Violation of 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section specifies the permissible purposes for which a consumer report may be furnished. The presence of these erroneous late payments on my credit report does not serve a permissible purpose and unjustly harms my creditworthiness.
Violation of 15 U.S.C. 1666b : This section relates to billing errors and the obligation of creditors to correct such errors. The late payments reported are erroneous, and the creditors have not fulfilled their obligation to correct these inaccuracies.
In accordance with the Fair Credit Reporting Act, I am requesting that you investigate these matters and remove the inaccurate late payment entries from my credit report.
|
Credit reporting or other personal consumer reports
|
2024-07-23
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
CREDIT ACCEPTANCE CORPORATION
|
FL
|
Yes
|
2,073 |
Debt Collection
|
This company has sent me letters has tried to contact me numerous amount of times Ive told them that Im not paying because of the fact that I did not even activate the services that they were providing to me because my Devices were not paid off. They still proceeded to put it on my credit when they should have not
|
Debt collection
|
2024-07-23
|
Telecommunications debt
|
Took or threatened to take negative or legal action
|
Threatened or suggested your credit would be damaged
|
Radius Global Solutions LLC
|
FL
|
Yes
|
2,079 |
Credit Reporting
|
I've called these companies for a letter so that I my send to XXXX and I have yet to get one
|
Credit reporting or other personal consumer reports
|
2024-07-23
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
|
FC HoldCo LLC
|
GA
|
Yes
|
2,123 |
Loans
|
In 2022 we received the XXXX relief forgiveness on our homeloan for XXXX year. Approx {$32000.00} We were told that it would be forgiven or atleast placed at end of loan. Our mortgage company said we qualified for rolling over loan to end of mortgage which would extend our loan.
I found out by running my credit check that my loan was sold to another company without my permission or knowledge a few years ago. We have not received any correspondence from anyone regarding the sold loan. I then found out that the loan is XXXX % interest compared to my XXXX % interest.
I am afraid I may be a victim of a zombie loan. Please help!
Thank you!
|
Mortgage
|
2024-07-25
|
FHA mortgage
|
Trouble during payment process
|
Loan sold or transferred to another company
|
Freedom Mortgage Company
|
CA
|
Yes
|
2,136 |
Loans
|
I contacted MOHELA to discuss lowered monthly payments and they confirmed I would have a lowered monthly payment of around $ XXXX. However, they never actually instituted this new monthly payment delaying a " final '' decision for months. Now, they say I'm behind on payments and I can not even pay on their website. When I try to explore payment options, it just says they're moving me to a new loan servicer. I'm not getting my new monthly payment, I can't pay, and they say I'm behind on payments.
|
Student loan
|
2024-06-11
|
Federal student loan servicing
|
Dealing with your lender or servicer
|
Received bad information about your loan
|
MOHELA
|
IN
|
Yes
|
2,139 |
Loans
|
Mohela has fraudulent practices. I contacted Mohela in XXXX of last year when I found out repayments would start up again to start the process. During the pandemic I was paying off my student loans, so I am actually near payoff. What was discussed over the phone was not the payment plan I received, mind you late, just before repayment was due. If you look at my documentation, I was actually on another plan which is what I discussed with the Mohela representative in XXXX and initially received a payment schedule for that plan in XXXX and then it was switched within days to the XXXX plan in XXXX. That's not what was discussed. I went from a payment for less than {$200.00} to nearly $ XXXX. After several attempts to get someone on the phone in late XXXX, I requested the plan be changed. I was told I would hear back in 30 days and that while they evaluated my account, they would pause payments, but I would accrue interest. I called again and asked for a supervisor several times which they never complied with. In the meantime, I requested for a freeze/hold on accessing my bank account while the matter was resolved. They complied for XXXX month and then attempted to pull funds from my account through autopay when I had not reauthorized it. For the next remaining months in XXXX, I received notification on a pause until XXXX. I have asked several times for the loan repayment plan to be changed and that has not happened. Their communication is terrible and when you call and are actually able to get someone on the phone, you only ever encounter trainees who never escalate the issue to supervisors. My existing payment schedule makes no sense which despite it not making sense, I am trying to slowly pay down. As of today, nearly {$1000.00} of interest has been added when I have nearly paid off the loan. I have less than {$1000.00} remaining. They were trying to charge me nearly $ XXXX a month on account that had less than that for XXXX months. I am using my savings at this point to pay off my student loans. This isn't right. I actually was paying my student loans on-time for years and during the pandemic before this restart.
|
Student loan
|
2024-06-11
|
Federal student loan servicing
|
Dealing with your lender or servicer
|
Trouble with how payments are being handled
|
MOHELA
|
DC
|
Yes
|
2,143 |
Credit Reporting
|
After looking at my credit report. Ive seen an excessive number of hard inquiries that appear to be credit inquiries in which I have not authorized by any company. Ive attempted to reach a resolution with the companies as far as providing documentation of applications with my signature and they have been unable to provide. This is severely impacting my credit.
Dates include XX/XX/XXXX until XX/XX/XXXX I am seeing hard inquires from XXXX XXXX, Westlake Financial Services, XXXX and many more. My current credit report is reflecting XXXX hard inquiries.
|
Credit reporting or other personal consumer reports
|
2024-07-24
|
Credit reporting
|
Improper use of your report
|
Credit inquiries on your report that you don't recognize
|
Westlake Services, LLC
|
GA
|
Yes
|
2,150 |
Credit Reporting
|
BANK OF AMERICA FRAUD DEPARTMENT CASE NUMBER : XXXX This is my FIFTH attempt to dispute an account on my credit report that is the result of IDENTITY THEFT.
I have summited all the required documents including : XXXX ) POLICE REPORT XXXX ) IDENTITY THEFT REPORT XXXX ) PROOF THAT I WAS UNDER FEDERAL CUSTODY XXXX ) PROOF THAT I WAS RELEASED ON SUPERVISED RELEASE IN NEW YORK XXXX ) PROOF THAT I WAS LIVING IN NEW YORK UNDER SUPERVISION UNTIL XX/XX/XXXX XXXX ) OTHER DOCUMENTS It is an impossibility that I had been able to open a credit card let alone buy a car XXXX set up a business when I was in XXXX XXXX and then a XXXX XXXX and Probation/Supervised Release living in XXXX XXXX XXXX XXXX XXXX
My brother XXXX XXXX was living in XXXX XXXX and had access to my information since the day of my arrest and all during my time in prison and federal custody. He has admitted having stolen and used my identity and he is now on the run with a warrant for his arrest.
There is NO way, no possibility that I could have access to getting credit, or even a regular phone while I was at the XXXX XXXX XXXX in XXXX, or Federal Prison and even while I was at the halfway house or supervised release without having to go through my Probation Officer.
The account that remains on my credit report that is NOT my accounts and is the result of IDENTITY THEFT is XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX, while I was under Federal Custody CASE NUMBER : XXXX I am resubmitting all documentation in order to provide all necessary evidence and proof that this is NOT my account.
I am also including on this filing, a copy my brothers passport, phone number, and an updated police report that was filed today documenting this case.
Thank you for your time, XXXX XXXX
|
Credit reporting or other personal consumer reports
|
2024-06-12
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
|
BANK OF AMERICA, NATIONAL ASSOCIATION
|
CA
|
Yes
|
2,152 |
Credit Reporting
|
I filed bankruptcy XXXX XXXX on XX/XX/2022. To this very day on my Experian report, there are about four unsecured creditor accounts that show a status of still being in dispute from over a year ago. These particular accounts should be shown as closed or resolved, and should not be saying under dispute status still over a year since I filed my bankruptcy in XXXX. Also, there are a handful of unsecured creditor accounts that are showing as if there were late payments. Ive never had a late payment ever on any of these creditor accounts, but they are XXXX and including it into my overall XXXX score as if I had late payments. I never had late payments. When I filed bankruptcy, all these unsecured creditors were notified and they should have closed my accounts and did not show a late payment status. My payment history on my Experian report is showing XXXX XXXX and showing as fair. That is not true. I have XXXX XXXX excellent payment history. The only difference is I filed XXXX in XXXX XXXX XXXXXXXX. Im asking for the unsecured creditor accounts that still say in dispute to say closed or resolved and not to say still in dispute anymore. And Im also asking for my payment history to show XXXX XXXX and to show no late payments because there never was any late payments
|
Credit reporting or other personal consumer reports
|
2024-06-11
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
|
Experian Information Solutions Inc.
|
OH
|
Yes
|
2,159 |
Credit Reporting
|
I Applied for XXXX XXXX XXXX XXXX and their denial states " Thank you for applying for XXXX XXXX XXXX XXXX. We are writing to let you know that, unfortunately, we can not approve your application at this time.
Reason ( s ) for Our Decision Your FICO score ( see below ) Information About Your FICO Score We obtained your FICO score from Experian and used it in making our credit decision '' The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction.
VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of the Assistant Secretary for Public Affairs ( ASPA ), is the focal point for HHS Privacy Act administration, including the HHS System of Records Notices ( SORNs ) and Computer Matching Agreements ( CMAs ).
The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her.
Prohibits disclosure of such records without the prior, written consent of the individual ( s ) to whom the records pertain, unless one of the twelve disclosure exceptions enumerated in subsection ( b ) of the Act applies.
|
Credit reporting or other personal consumer reports
|
2024-06-10
|
Credit reporting
|
Improper use of your report
|
Reporting company used your report improperly
|
Experian Information Solutions Inc.
|
NC
|
Yes
|
2,165 |
Debt Collection
|
I called the company to send me documents staying that thry had permission to report on my credit. And I ask them to send me all the documents with my signature and they haven't provided it. And it's been 2 weeks they said they where going to send me a email. From Fair collection and outsourcing.
|
Debt collection
|
2024-07-15
|
Rental debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
|
FAIR COLLECTIONS & OUTSOURCING, INC.
|
FL
|
Yes
|
2,166 |
Loans
|
On XX/XX/year> I tried to make a payment to NewRez by Phone and computer to no avail. I was not able to make the payment via internet or by phonr after waiting XXXX hour. My payment was due on the XXXX of every month with a XXXX day Grace period. But recently it cant .be done by computer or phone only by mail and the mail is not posted until XXXX weeks causing late payment fee.
|
Mortgage
|
2024-07-10
|
Conventional home mortgage
|
Trouble during payment process
|
Payment process
|
Shellpoint Partners, LLC
|
MO
|
Yes
|
End of preview.
README.md exists but content is empty.
- Downloads last month
- 1