FIRST PORTFOLIO SERVICING INC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	AZ 85254	Web
I have had a First Access BankXXXX XXXX XXXX credit card for a few years. Over the past few months, I've been trying to pay down the balance at $ XXXX ( my credit limit is only {$300.00} ) to pay off this card and move on. Unfortunately, I chose to receive my statements online at some point and have not paid as close attention to the account as should have happened. However, I believe I did receive an email notification about my statement being available on XX/XX/XXXX. Imagine my surprise when I discovered that my balance was {$300.00}! Over the limit. And my payments had been received. Nor have I used this card for many months. In any case, I immediately went onto the First Access website and looked up the instructions for reporting fraud. The instructions stated that I would fill out a fraud affidavit form on their site and then fax it to their fraud department. I filled out the form, although there were not enough spaces for all the fraud I had found. I was a bit apprehensive about this product since there have been at least two occasions in the past where I found fraud on my account, went through this process, and never received any response from the company. I attached a copy of one of these fraud affidavits from XX/XX/XXXX. After 48 hours passed without me receiving an acknowledgment of my affidavit, I called customer service, who put me through to the fraud dispute department, which has an unlisted, unpublished phone number. I did speak with someone and followed it up with an email I sent on their website ( which has since mysteriously disappeared ). I believe the email was in response to spending over 2 hours on the phone with someone who ( a ) knew nothing about my affidavit as no one had recorded it and ( b ) went through every fraudulent charge I had found dating back to XX/XX/XXXX. Every transaction I reported was met with a deep sigh and a voice asking, " Is that everything NOW? '' The woman to whom I spoke, whose name is unknown to me, told me that it would take 30-90 days for the fraud department to `` investigate '' my claim, and my account would NOT be adjusted with any provisional credit until that time. I tried to explain that that was called a " permanent '' credit, not a provisional one and that I would be paying money I did not owe. After the person I spoke with explained that this was this " rule '' and nothing could be done about it, I sent my email through their website ; the only way to send them an email is they do not list an email address in customer support at all. In the letter, I explained that I had just had a rash of identity theft involving XXXX for the fourth or fifth time in the last three years and that every credit card I owned and my bank accounts had all suffered a loss. I further explained that I had already filled out fraud reports with every company and had received a provisional credit, which had become permanent credit within 48 hours of my report, as XXXX did not fight the charges in any of the cases and returned every dime to all of my accounts. I also expressed my concern that the uninterested-sounding woman to whom I had spoken had even reported all my charges and that by the next day, I expected a complete list of every incident for my records, along with a summation of when the credit would be received, the company 's timeline and plan for any investigation and that the card be terminated so that no one else could use such. I added my personal feelings that this company, knowing I was a XXXX American, was trying to " appease '' me while doing nothing, as had happened in the past, as they assumed I would not have the resources to fight them. I added that their behavior was illegal under the A.D.And if that was the case. I thought my letter had achieved its goals when I received a phone call from someone at First Access the next morning. This was the first time they had ever communicated by phone. I was assured that they were sending out a new affidavit of fraud that day which I was to sign and send back. Not every single incident of fraud I had reported was on this piece of paper. However, every charge from XX/XX/XXXXXXXX to XX/XX/XXXXXXXX was listed. I was assured that once I signed the document, the case would then " begin. '' Since this was now XX/XX/XXXX, I asked why the case hadn't started on XX/XX/XXXX, when they received my affidavit. I received no satisfactory answer, but I was told that I would receive my transitional credit within 7-10 business days. However, the full investigation " could '' take up to 90 days, and in the meantime, I would not be charged any monthly fees, interest, etc. In addition, I would not have to make another monthly payment until I had my new card, which was to have been sent that day, and I had a total amount that I owed minus interest, monthly fees, etc. The man I spoke to agreed to my requests, and thus, I signed the affidavit, which is attached hereto. Today, on XX/XX/XXXX, I received a reminder that my monthly payment was due to First Access on XX/XX/XXXX, with a minimum payment due of {$41.00}. I went online and was disturbed to see that my account was in the same condition as it had been on XX/XX/XXXX, the day the affidavit was signed, plus monthly and interest fees were added. I then made another phone call to First Access. Since apparently, their dispute department was no longer open at XXXX XXXX. P.S.T., I could only talk to a customer service representative, who looked up my account and let me know that ( a ) there was no report of any fraud investigation ; ( b ) my card which I had already sliced up was still open so more fraud could be committed and ( c ) that the " rules '' were, I had to wait 90 days to get a credit if I was going to get one. Since there was no one more XXXX to speak with, I let her know that I would be reporting all of this to your agency. She did not appear concerned, as I don't believe she knew about the CFPB, the A.D.A., or any other federal government acronym which could apply to our dispute. Even with their lack of notification of the total amount of fraud, looking at the affidavit, there are charges which total over {$100.00} and perhaps over {$150.00}. This may be a small amount, but when the card limit is {$300.00}, it's significant.
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 751XX	Web
These Companies are violating my rights according to the Fair Credit Reporting Act and violating the laws that are in place pertaining to reporting accuracy on ones report. I have disputed these accounts numerous times with no results. I WANT THEM DELETED - INACCURACY OF ACCOUNTS NEEDS - ATTENTION IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX 2000 XXXX, PA XXXX XXXX To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are Listed below. Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below. XXXX In previous disputes you claimed that this account was verified and is following The Fair Credit Reporting Act. How can this account been verified? You XXXX has completely different monthly payments ( {$100.00} ), Date Opened ( XXXX ), Balance ( {$130.00} ), More Serious Reporting errors you have a Past Due amount of {$100.00} along with numerous late payments attached to a account that XXXX has reported as a Charge Off while you still have the account as 120 months late. None of the last reported or last payment match XXXX or XXXX. I question if this is even the same account because again the account number you report does not match XXXX or XXXX. A Charge Off account should never have Late payments due to it being late by default. Please send me copies of the documents that you have in your files as of this date that you used to verity the accuracy of the accounts listed below. XXXX XXXX XXXX XXXX I disputed this several times to inform you this isn't my account and I was a victim of identity fraud and yet the account still remains. I have a report from Identity Theft. Gov listing this account. But even then This account as well has late payments attached to an already defaulted Charged Off Account if I was the owner. Along with that the date open, date last active and last reported do not match XXXX. This is a direct violations of my rights. XXXX XXXX XXXX This account also has a Past Due Amount that is against the law to report on a Charged Off Account. The open date does not match XXXX, nor does the Last Active Date. This is unacceptable. I feel like this was a mistake that was made to purposely affect my credit reports even harder. You have violated about every one of my rights and the laws that govern me. XXXX YOU ONCE AGAIN HAVE BEEN REPORTING A PAST DUE BALANCE AND EACH MONTH IT SHOWS I MISSED ANOTHER PAYMENT ON A CHARGED OFF ACCOUNT. Not only that though it has a balance of {$20000.00} which is no where close to the past due amount that XXXX and XXXX have. Not one thing is accurate on this account compared the others. These furnish the same account numbers but none of the reporting information is accurate. XXXX This account has the payment status as late 90 days but in the two year history it does not show one late payment. How is that possible. The date opened, date last reported, date last active along with the last payment are not even close to being accurate. I WANT THIS ACCOUNTS DELETED OFF MY CREDIT PROFILE. THEY HAVE CAUSED A FINANCIAL STRAIN SOME FOR MANY YEARS. YOU CONTINUE TO VIOLATE MY RIGHTS AND BREAK THE LAWS EACH DAY THESE ARE ON MY REPORT. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g \| have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your fies that were used to verity them. If you do not have any documentation in your files to verify the accuracy ( the wrong dates and amounts ) of these disputed accounts then please delete them immediately as required unde Section 611 ( a ) 5 ) ( A ) i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be prompty deleted. Therefore. if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above with receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items REMOVED, I demand the following accounts be property verified or removed immediately. PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGANIZATION BELOW : CC : XXXX XXXX ASSISTANT DIRECTOR OF ENFORCEMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSIT INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY Thank, you for your help in this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XXXX
10/23/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 937XX	Web
TOTAL VISA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Case ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I received an incomplete letter you dated XX/XX/2023 with multiple pages of 15 missing and multiple pages of 10 missing. The cover letter states that your bank found me responsible for charges that are Fraudulent but the detail is missing. I have enclosed a copy of your letter and a statement of charges that do not belong to me from a previous card statement. Several pages are missing from your letter coming from a document that was to have included 15 pages and another that was supposed to have included 10 pages based on the tops of pages listing ( Page # of Total Pages ). I would like a complete letter resent to me for my review. In addition, my entire identity was stolen and multiple credit cards compromised, including the one associated with this claim. I discovered the theft when I received a call from XXXX XXXX that someone had opened a bank account in my name. I had not done business with XXXX XXXX. I am sending proof as follows that as a result, I took the following actions not limited to : Police Report Filed on XX/XX/2023 with XXXX Police Department On-line, Report XXXX FTC complaint filed under Case XXXX on XX/XX/2023 and updated Case XXXX XX/XX/2023 Froze credit report with all 3 credit agencies on XX/XX/2023 ( XXXX, XXXX and XXXX ) XXXX Enrolled in credit monitoring services on XX/XX/2023 at my own expense. Contacted all credit card agencies as soon as I was notified of any unauthorized charges with your company it was on XX/XX/2023 upon discovery which you confirmed in your letter dated XX/XX/2023. This letter was incomplete and not received at my home in California until XX/XX/2023 and I contacted you by phone at ( XXXX ) XXXX on XX/XX/2023, the date of receipt. I did not receive any of the goods purchased in the statement attached for {$400.00} with this account and I did not purchase these items. A fraudulent payment was applied to the account and appears to have been returned in the amount of {$250.00}. My account has normally been on autopay for its history. This payment was not made by me and I have verified with my personal bank that this did not come from my account and I am not familiar with this payment nor the account it came from. The investigation done by your office was done in bad faith and your written communication to me is incomplete. I am providing additional information to you to complete a full, fair and robust investigation of the fraud on this account. At this point, you are at risk for violating my rights as a victim of identify theft and my consumer rights, including misrepresenting what I owe and applying an unknown payment to a debt that I do not owe. The information you used to determine this was my responsibility in your cover letter was based on information I reported as stolen from me, such as my identify and address. I also reported to you it was being used locally, fraudulently based on charges I saw on the account. I explained that I had the original card in my possession, yet you decided it is the same card being used for the purchases, which is not accurate. Was there a check for cloned or reissued cards? You also based it on use of the card in my home town which does not mean that this was not theft. I also reported theft on my identify to federal and local police agencies. Based on what the criminals are doing with the account, they have my social security number, address, and have visited several places where I have never been both locally and online. They may have cloned a card and have made several internet purchases. They are also attempting to add themselves to my accounts as authorized users. I know none of these people and am not familiar nor authorized any of this activity. None of the addresses associated with the information you sent back belong to me nor are they associated with anyone I know. I am a victim of identify theft. I did not make any of the following charges and my card activity shows that it was dormant for a long period of time until fraudulent activity started occurring on this account. I also reported to you a fraudulent payment on the account that may have come from a phony account. Please remove my responsibility from all charges associated with the account. Being treated this way as a victim of fraud is stressful and I am not in good health. The added stress of your company treating me this way and telling me there is nothing you can do unless I prove more is so unfair to me as a consumer. This is ruining my credit and my life! I hope it never happens to you or your family. I am appealing this decision as your organization has not fulfilled its obligation to me as a consumer, in bad faith. I expect a robust review of the additional information I am providing and a chargeback for all of these charges amounting to {$400.00} on this account. XXXX XXXX Phone ( XXXX ) XXXX
11/04/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	WA 985XX	Web
I had/have a loan through Peaks Private Student Loans through XXXX XXXX from XXXX, WA. There was a settlement with the Bureau of Consumer Financial Protection and certain state Attorneys General that Peaks agreed to discontinue collection of the outstanding loan. My loan was though this. The issue is that I made my XXXX payment on XX/XX/2020 through my bank account. Peaks said that the payment of {$160.00} was reversed on XX/XX/2020. I have not got the payment back. Peaks will only give me your information to get my payment back. They will not tell my the account number that they sent the payment back to. NOTICE THAT NO FURTHER PAYMENTS ARE DUE ON PEAKS LOANS Pursuant to a settlement with the Bureau of Consumer Financial Protection and certain state Attorneys General, and effective as of XX/XX/2020, PEAKS Trust XXXX ( PEAKS ) has agreed to discontinue collection and enforcement of the entire outstanding balances of all outstanding PEAKS loans made to former students of XXXX XXXX XXXX ( XXXX ) who received private student loans in connection with their XXXX education ( PEAKS Loans ). Borrowers are no longer obligated to make any payments on their PEAKS Loans. PEAKS and the servicer of the PEAKS Loans, Vervent Inc. ( Vervent ), have discontinued billing, and have discontinued collection of payments, for all PEAKS Loans. There will be no further action by PEAKS or Vervent with respect to any balance previously due and owing on any account. An account statement reflecting a {$0.00} balance for each PEAKS Loan with an outstanding balance as of XX/XX/2020 will be delivered to each borrower of those PEAKS Loans, and these account statements may be used as verification that the borrowers are not obligated to make any further payment on those PEAKS Loans. Vervent will reject or return any payment on PEAKS Loans that it receives after XX/XX/2020. For those borrowers who have recurring or one-time electronic payments through the Vervent payment platform that are scheduled to make any payment on a PEAKS Loan after XX/XX/2020, please note that Vervent has cancelled those payments, and all future payments, for PEAKS Loans. If you were sending payments directly through a bill pay service from your banking institution, you will need to contact your bank immediately to stop the payments on your PEAKS Loan ( s ). Vervent is not authorized to stop these transactions, as they are sent from your banking institution. Additionally, for each borrower who had an outstanding balance on a PEAKS Loan as of XX/XX/2020, all consumer credit reporting agencies to which PEAKS and Vervent reported credit information concerning that PEAKS Loan will be directed to delete the trade lines regarding that PEAKS Loan. It is possible that some billing statements or other notices relating to PEAKS Loans were delivered prior to or shortly after the effective date of the settlement. If you receive such a billing statement or notice from PEAKS regarding your PEAKS Loan, you may disregard that document, as it is no longer valid, and payments are no longer required on any PEAKS Loan. Please note that borrowers may have other types of loans related to their XXXX education that are not PEAKS Loans. This notice relates only to PEAKS Loan ( s ) with outstanding balances as of XX/XX/2020, and does not apply to any other student loan ( even if serviced by Vervent ), including other debts associated with XXXX, loans owned by someone other than PEAKS, or loans that once were owned by PEAKS but were paid in full prior to XX/XX/2020. Any questions about this notice or the status of a PEAKS Loan account ( s ) may be directed to : PEAKS Loans XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Further information about the settlement is available through the Bureau of Consumer Financial Protections public website ( www.consumerfinance.gov ) and telephone line ( ( XXXX ) XXXX or TTY/TDD : ( XXXX ) XXXX ) ).
10/15/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	MI XXXXX	Web
This dispute surrounds charges assessed by Total Visa to my account while credit through Total Visa was not accessible to me because Total Visa failed to provide a renewal credit card for me to use for six months after my credit card expired. I paid my balance in entirety 99 % of the time and incurred no interest or late fees until the confusion occurred at the renewal card process. I paid the annual Total Visa charge based on the premise presented to me by representatives of a temporarily delayed receipt of a renewal card. In addition to having all charges that Total Visa assesses that are not for direct purchases, I want the annual fee I paid, which IXXXX think is {$48.00} as I am unable to access my statements and Total Visa has not responded to my request for access to my statements. My telephone records support that I initially contacted Total Visa in early XX/XX/XXXX to find out when my renewal/new card would be issued since the credit card, I had would expire XX/XX/XXXX. I was informed that a card went out in XXXX, and another card would go out in a few weeks. I later found out that was a lie. No card was issued in XXXX, and no cards would be issued until after XX/XX/XXXX because according to the Total Visa voice message published for incoming calls, when I called in early XX/XX/XXXX the message stated the card issuance were delayed because of supply chain issues. The message signifies an enormous call volume surrounding the lack of receipt of cards. When I finally received the card, I contacted Total Visa in early XX/XX/XXXX. I learned that there was an account balance of {$140.00}, which now exceeds {$500.00} comprised solely of fees and charges assessed by Total Visa such as late fees {$41.00} per month, and interest imposed based on {$6.00} monthly service fee charges that continued to be levied despite my not having any access to a credit card to make purchases. I explained that no renewal card signified to me that there was not an active account. I expressed dissatisfaction to the supervisor/manager XXXX and requested all fees be removed. XXXX hung up on me. I closed the account. I never activated the new card. The next supervisor/manager I spoke to in XX/XX/XXXX stated that page 2 allowed for the assessment of fees when the account is open. The application of the practice wrongfully and ridiculously that Total Visa could approve and open an account and never provide the account holder access to the credit card while Total Visa would still be entitled to assess and collect charges and fees they imposed for merely opening the account as the customer awaits receipt of the card. I contend, Total Visa may only collect fees when they provide reasonable service that allows the use of credit through Total Visa, which in my instance they failed to do! Furthermore, I was lied to about the cards issued prior to the XX/XX/XXXX expiration of my card. I was told that a new card had been sent in XXXX, and when I didnt receive the new card, I was told another card was issued in XXXX. I later learned that no cards had been mailed. If I had been told the truth that the cards would not be issued and fees would continue until the following year, I would have closed the account ; or if the card had arrived in XXXX, I would have requested that all fees be removed for the period that I did not have access to credit. Instead, I was deliberately deceived and prevented from making an informed decision. When I called in XX/XX/XXXX or early XX/XX/XXXX the message on the Total Visa system stated that mailing of cards was delayed due to supply chain issues. Because my card was inactive effective XX/XX/XXXX, and other Total Visa poor customer service issues, it was very difficult to speak to a representative. I continued to get looped around the telephone system until I either hung up or was disconnected.
10/23/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	AZ 85323	Web
On XX/XX/2020 PEAKS Private Student Loans notified all students about the case against XXXX XXXX XXXX. The notification indicated that the accounts were closed due to the settlement however they took a payment of {$250.00} from me. I've been trying to contact them to get a refund and they have refused to proceed with such since then. It is my understanding that I should've not make that payment and they should've not pulled. I am asking for my full refund since this to is a fraudulent move to me. See PEAKS notification below. NOTICE THAT NO FURTHER PAYMENTS ARE DUE ON PEAKS LOANS Pursuant to a settlement with the Bureau of Consumer Financial Protection and certain state Attorneys General, and effective as of XX/XX/2020, PEAKS Trust XXXX ( PEAKS ) has agreed to discontinue collection and enforcement of the entire outstanding balances of all outstanding PEAKS loans made to former students of XXXX XXXX XXXX XXXX XXXX XXXX who received private student loans in connection with their XXXX education ( PEAKS Loans ). Borrowers are no longer obligated to make any payments on their PEAKS Loans. PEAKS and the servicer of the PEAKS Loans, Vervent Inc. ( Vervent ), have discontinued billing, and have discontinued collection of payments, for all PEAKS Loans. There will be no further action by PEAKS or Vervent with respect to any balance previously due and owing on any account. An account statement reflecting a {$0.00} balance for each PEAKS Loan with an outstanding balance as of XX/XX/2020 will be delivered to each borrower of those PEAKS Loans, and these account statements may be used as verification that the borrowers are not obligated to make any further payment on those PEAKS Loans. Vervent will reject or return any payment on PEAKS Loans that it receives after XX/XX/2020. For those borrowers who have recurring or one-time electronic payments through the Vervent payment platform that are scheduled to make any payment on a PEAKS Loan after XX/XX/2020, please note that Vervent has cancelled those payments, and all future payments, for PEAKS Loans. If you were sending payments directly through a bill pay service from your banking institution, you will need to contact your bank immediately to stop the payments on your PEAKS Loan ( s ). Vervent is not authorized to stop these transactions, as they are sent from your banking institution. Additionally, for each borrower who had an outstanding balance on a PEAKS Loan as of XX/XX/2020, all consumer credit reporting agencies to which PEAKS and Vervent reported credit information concerning that PEAKS Loan will be directed to delete the trade lines regarding that PEAKS Loan. It is possible that some billing statements or other notices relating to PEAKS Loans were delivered prior to or shortly after the effective date of the settlement. If you receive such a billing statement or notice from PEAKS regarding your PEAKS Loan, you may disregard that document, as it is no longer valid, and payments are no longer required on any PEAKS Loan. Please note that borrowers may have other types of loans related to their XXXX education that are not PEAKS Loans. This notice relates only to PEAKS Loan ( s ) with outstanding balances as of XX/XX/2020, and does not apply to any other student loan ( even if serviced by Vervent ), including other debts associated with XXXX, loans owned by someone other than PEAKS, or loans that once were owned by PEAKS but were paid in full prior to XX/XX/2020. Any questions about this notice or the status of a PEAKS Loan account ( s ) may be directed to : PEAKS Loans XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Further information about the settlement is available through the Bureau of Consumer Financial Protections public website ( www.consumerfinance.gov ) and telephone line ( ( XXXX ) XXXX or TTY/TDD : ( XXXX ) XXXX ) ).
12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30060	Web	Servicemember
I spoke with supervisor- XXXX on XX/XX/XXXX in regards to a unknown credit card balance. I have been trying to log into my account for several months before the above date but kept receiving an error message when I would attempt to log in with user/email and password, I tried to reset my password but I would never receive the password change request email after making several attempts to reset it. I I was no longer using the credit card so I wanted to close it before I was charged any ( annual ) fees. So on the same day I tried once again to log on and after getting the same result I decided to contact your customer service dept. I spoke with a supervisor, XXXX XXXX and he explained my account was past due and over 120 days past due and I asked how is that possible when the card has not been used and I asked why was I not notified of this and was told that I had been notified several times. I asked in what form and he said by phone calls and emails. I then asked what info is on file and he gave me phone #, email and address that did not belong to me or anyone I knew. I was absolutely floor 'd because I couldn't understand how was someone able to get access to my account when I was in possession of the physical card. He informed me that all my personal information had been changed in XXXX though your website .... and I was never notified of these changes. I should have received an email confirming these changes but nothing and what was even worse, I asked XXXX can I make changes back to my correct information he informed me I would need to get validated that I am the owner of the account ... ..WOW!! Where was that kind of security when I needed it? XXXX said because it was done on your website, as if that made me feel better. I am a responsible adult that works hard at maintaining a good XXXX XXXX ; however in XXXX of XXXX I suffered a serious car accident that left me severally injured and in turn left me out of work where I eventually was terminated because I was unable to return back to work any time soon. During that time I suffered financially which hurt my credit pretty bad. After sometime I was able to start back making payments and I was able to settle on some of the account balances for a lower amount. Not what I wanted to do at all because that only added to my credit problems but its what I had to do to start turning this around. I asked your representative how does this get resolved and he explained I would need to pay it in full. Had I know at any point and time I had a balance I would have paid it the first month it because again my intentions were to close this account and work on bringing up my credit score, this was the last thing I needed or expected. The company has a duty to me to keep my account info safe and to inform me of any changes made to prevent fraud. As of XX/XX/XXXX XXXX XXXX reported this account as a CHARGE-OFF so now I have a brand new mark on my report due to my account being compromised. I hope we can reach some type of agreement that can be beneficial to me as well as your company.
05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30076	Web
In reference to the following account below : XXXX Acct # XXXXXXXX XXXX Acct # XXXX In accordance with section 602 an of the Fair Credit Reporting Act ( 15 USC 1681 ), `` There is a need to ensure that consumer reporting agencies exercise their serious obligations with fairness, impartiality, and a respect for the consumer 's right to privacy. '' I am the consumer, and XXXX are consumer reporting companies. According to 15 USC 6801, " 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, '' I have the right to ensure that my private information isn't shared. A financial institution is one that " ( Furnisher information to credit agencies ) is by definition under that designation. According to section 2 of subsection ( a ) of section 604 of 15 USC 1681, " In general, any Consumer reporting agencies may only provide a consumer report under the following conditions : in line with the consumer to whom it relates explicit instructions. ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting companies XXXX do not have my consent to provide this information, and they most definitely do not have my written consent. All consents, whether expressed orally, nonverbally, in writing, implicitly, or otherwise, to XXXX ( Furnisher of information to credit agencies ) are canceled. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party without first providing the consumer with instructions on how to exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never made me aware of my option to withhold information. Furthermore, according to 15 USC 1681C ( a ) ( 5 ), " No consumer reporting agency may make any consumer report that contains any of the following items of information, except as authorized under subsection ( b ) Any other adverse item of information, other than records of convictions of crimes that predate 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 does not follow reasonable practices. A consumer may exercise their right to opt out at any time, according to 12 CFR 1016.7. I choose not to use your reporting services and opt out of them.
01/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60619	Web
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 208XX	Web
Dear Sir/Madam, I am writing to bring to your attention a serious matter of identity theft and the subsequent fraudulent actions taken by unknown individuals using my personal information. I am a victim of this crime, and I request your assistance in resolving the issue promptly. On XX/XX/XXXX, I discovered that my personal information, including my name and Social Security number, had been unlawfully used to open an account with XXXX XXXX XXXX without my knowledge or consent. The initial charge associated with this account was {$5000.00}, and it was opened in XX/XX/XXXX. I have taken the necessary steps to address this situation by filing a complaint with my local police station, and they have generated a police report that serves as evidence of the identity theft. Additionally, I have reported the incident to the Federal Trade Commission ( FTC ), which has initiated an investigation into the matter. I have attached copies of the police report and FTC complaint for your reference, which was sent to the FTC via certified mail with return receipts. I expect that these documents will aid in expediting the resolution of this matter. To compound the issue, the account with XXXX XXXX XXXX was subsequently sold to XXXX, a debt collection company, without my consent or prior knowledge. The current outstanding balance on this account is {$5200.00} as of XX/XX/XXXX. I request that you take immediate action to rectify this situation by removing this fraudulent account from my credit report. Furthermore, I have recently discovered another fraudulent account on my credit profile, opened with First Access XXXX XXXX XXXX in XX/XX/XXXX. This unauthorized account carries a negative impact on my credit score, with an associated amount of {$440.00}. I request that this account be promptly removed from my credit report as well. Despite having provided all relevant documentation and information to support my claims, I am disheartened to observe that over two weeks have passed, and these fraudulent accounts have not yet been removed from my credit report. This delay has severely affected my ability to obtain new credit, secure a vehicle, and even find suitable housing. I kindly request that you take immediate action to investigate this matter thoroughly and ensure the removal of the fraudulent accounts from my credit report. Additionally, I would appreciate your assistance in notifying all relevant parties involved, including XXXX XXXX XXXX, XXXX, and First Access XXXX XXXX XXXX, about the fraudulent nature of these accounts and the necessity for their immediate closure. Please find attached the certified mail receipts, police report, and FTC complaint for your perusal. I trust that you will treat this matter with utmost urgency and resolve it promptly. I eagerly await your response and appreciate your cooperation in rectifying this distressing situation. Thank you for your attention to this matter.
02/17/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	OK XXXXX	Web
During the later dates of XXXX, I received a few letters informing me of a court case regarding my private student loan via 'Peaks Private Student Loans '. I continued to pay my loan as always, but then I received a letter from Peaks stating that my private loan had been settled, and that I no longer would owe on this private loan. At the time I found out this information of no longer owing a balance, I had payment that went through an ACH transaction with my bank that I had previously set up to make every month, in the amount of {$77.00}. According to the settlement paperwork, it states 'Vervent will reject or return any payment on your Peaks Loan that is received after XX/XX/XXXX. I then waited a bit to see if I ever saw a refund on the {$77.00} that was debited from my account via ACH, but I never received the refund. So on XX/XX/XXXX I spoke to Peaks Loans, and did as XXXX requested by emailing a bank statement with the withdrawal information, and a trace number the bank provided me for this {$77.00} payment. I was informed I would hear something back, but did not, so I then contacted them again on XX/XX/XXXX. I also spoke to XXXX with Peaks Loans this day, and he wanted me to verify that indeed my payment was made ACH, so I called my bank again and verified that it was ACH withdrawn on XX/XX/XXXX. With this information I called Peak Loans back and advised them again, that it was an ACH withdraw and XXXX then placed an email to his supervisor, and once he heard something back from them, then he would let me know. On XX/XX/XXXX, I contacted Peaks Loans again and spoke with XXXX, and reassured me he had sent this email and he hadn't heard anything back, so I was to wait to hear back from them. Then on XX/XX/XXXX, I decided this was enough time, and called Peaks Loans yet again, and this time I spoke to XXXX again, and he was at a loss and tried to give me a number to call, which in fact was the same phone number in which I had just contacted him at, so that didn't go over very well with me. He then said I needed to call back in 30 minutes because his supervisor was trying to figure out who and where I needed to take this issue to. I then called back 30 minutes later, to get XXXX back on the phone and for him to advise me I would need to reach out to the 'Bureau of Consumer Financial Protection ' that there was nothing more that Peaks Loans could do for me, he also provided me with the state attorney generals name and email address. So I am starting off here by filing a complaint, to see if you all are able to follow through with getting my XXXX payment refunded to me, as the settlement letter stated.
05/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	CA 90277	Web
My name is XXXX XXXX and I am writing you in hopes to correct a misunderstanding and remove a negative mark on my credit score. I have spent the past 3 years working on my credit to get it over a XXXX score. It has currently dropped to XXXX because of Total Visa reporting a 30 and 60-day notice. On XX/XX/XXXX, I spoke to an agent to close my card due to fraud and to close my account. At that time I thought my account was closed and I no longer received any monthly statements nor did I have a Total Visa credit card. You can verify that the card was never activated or used. I was reimbursed {$240.00} which was issued on XX/XX/XXXX and deposited on XX/XX/XXXX. To my knowledge, I no longer had an account. Despite not having a credit card due to Total Visa not sending me one, Total Visa continued to take {$6.00} out every month from XXXX to XXXX and I was unaware of these charges. I become aware of these charges on XX/XX/XXXX when a representative contacted me about missing 2 payments which surprised me because again, I thought I closed this account. On that same call, I was able to speak with a supervisor who said they would reduce the bill to {$6.00} but I didnt feel that I needed to pay for something that I didnt have. When I declined to pay that amount, The supervisor proceeded to tell me I didnt pay that day and that it would go up to {$12.00}. At that time I question why that would be for something that I had no knowledge of. We proceeded to cancel the card for what I thought was the second time and the supervisor had an antagonistic tone which was not very helpful. And she then closed out the phone call with the message that since I closed my account and didnt pay the {$12.00} that I would then be billed {$18.00}. I felt at this time that I now was being hustled and personally threatened, as she told me it would go to collections. In XXXX I received a bill that said I now owed {$38.00} and I questioned whether or not I was being scammed and hustled. As I was going for a home loan I was denied which was a complete shock. When I checked my credit score, this mark crushed my credit score by XXXX points I have been devastated ever since. Needless to say, I did not get the home that I wanted and at this point, I am admittedly requesting the removal of this mark off my credit. I have already paid the balance and I have been paying {$6.00} unknowingly for months prior. I appreciate any assistance you can give in getting my credit score back to where it should be. Best Regards, XXXX XXXX
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31907	Web
Company is in violation of 15 USC 1692, after numerous attempts of sending debt validation letter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. Information was not properly validated. 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 .Company is in violation of 15 USC 1692 as well as 15 U.S.C 1681 section 602 A. 1.The Truth in Lending Act is intended to inform consumers about the cost of credit. 2.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 3.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection or any debt. 4.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer shall not state that such consumer owes any debt. 5.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any. 6.The Truth in Lending Act is intended to inform consumers about the cost of credit. 7.The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 8.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 9.Affiant is aware and has proof in attachment labeled as exhibit A that the corporation name is in violation of 15 USC 1692 ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose or acquiring location information about the consumer Shall not state that such consumer owes any debt. 10.Affiant is aware and has proof in attachment labeled as exhibit A that corporation name violation of 15 USC 1692 . ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication affected by the mail or telegram that indicates the debt.
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 764XX	Web	Servicemember
I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction \| U.S Code \| US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when such an action is a clear violation of my consumer rights in accordance with the FCRA XXXX! As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.
09/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33441	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX VERVENT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious VERVENT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX
06/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 63301	Web
My bill was due on XX/XX/XXXX. My card was over the limit by XXXX cents. The minimum payment due was {$41.00}. In an attempt to correct these issues, I made a mistake and paid {$40.00}. I was then charged {$30.00} for a late payment. I was charged {$30.00} because I was XXXX cents short of the minimum payment due. This SMALL error, because of the late fee and interest charges, caused me to then go over my limit by {$5.00}. Thinking that the company would understand the issue, I contacted customer service and asked to have the {$30.00} fee waived and even made an extra payment of {$35.00}. The young man that assisted me on that call was understanding and kind and apologetic about the inconvenience and submitted the request. I patiently waited a week to see if the refund had been processed and it had not. Upon looking today, almost 2 weeks later, I noticed that I still had not been refunded. I called customer service again and was told that the " back-office '' denied my request because my account was not 30 days or more overdue. I was denied a simple request to refund a {$30.00} fee for an XXXX cent error because I tried to rectify the situation in a fast and timely manner! That makes absolutely no sense and is a horrible business practice to have. When told this, I asked for a supervisor to escalate the issue, because this is an unfair and unacceptable business practice. I was transferred to another person who told me basically I knew the rules when I signed up for the card and there was nothing that could be done. I am absolutely flabbergasted and very upset that because of an XXXX cent error, that I lost {$30.00} of my hard-earned money. I have other credit cards with other companies such as XXXX XXXX and XXXX XXXX and have had fees waived for much larger issues and have never been denied with such a lame excuse. I may have a low credit score, but I am trying very hard to fix that and take financial responsibility. And to have {$30.00} STOLEN from me is a slap in the face. So, with the arrogant response of the 2nd person I spoke with today, I requested to talk to someone above this person. I was then " mockingly '' told that I would have to wait 24-48 hours for a " supervisor '' to call me back. Completely unacceptable and unfair business practices if you ask me.
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75043	Web
Regarding CFPB complaint NO. XXXX. Over 4 months ago in XXXX, I attempted to reach out to Vervent regarding two tradelines. My letter was undeliverable due to Vervent 's negligence of not updating their contact information. Vervent closed the complaint stating that they can confirm and certify that the credit bureaus have their correct address. Vervent direct response to me, consumer XXXX was this : *****Our investigation found that we have received credit burau disputes filed on the XXXX XXXX account in XXXX and XXXX. In each instance, the account data was verified as reporting accurately and a replied was filed with the credit bureaus. We have reviewed the supporting documents provided and are unable to confirm if the documents which contain the address of XXXX XXXX XXXX were directly from a credit bureau agency. We can confirm that the phone number listed with that address is the phone number where we can be reached. Our new address was provided to each credit bureau agency, as requested by the Federal Credit Reporting Act. We have verified with XXXX, XXXX, and XXXX that they have our current address listed. *** As of XX/XX/XXXX, Vervent did not thoroughly conduct a proper investigation. Vervent is still reporting the address to XXXX, XXXX XXXX XXXX as of XX/XX/XXXX. Vervent is in violation of 15 U.S. Code 1611- Criminal liability for willful and knowing violation for certifying that their contact information is accurate despite otherwise. Exhibit # 5 is documentation generated by XXXX on XX/XX/XXXX of my consumer report. Contact information of Vervent more specifically the address is reporting XXXX XXXX XXXX after vervent certified that the FTC and the credit bureaus have their up to date address. I hereby demand Vervent produce the method of verification describing the steps conducted to verify that they ensured the credit bureaus have their correct address per FRCA 623 or to honor my previous request of removing both derogatory tradelines furnished starting in XXXX & XXXX for the failure of investigating due to undeliverable address and for furnishing inaccurate information and knowingly doing so. Attached is exhibit # 5, their response to me back in XXXX, and what Vervent is currently furnishing to XXXX as of XX/XX/XXXX.
07/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 75252	Web
On XX/XX/XXXX, I logged in to review and pay my bill and noticed that I had several charges ( unauthorized ) that I had not made ( see below ) : Date Reference Number Purchase Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I knew the charges were not mine because I was XXXX XXXX XXXX XXXX XXXX ) and had not left my house since XX/XX/XXXX. The charges were made XX/XX/XXXX and XXXX. I immediately contacted the XXXX number on the website for assistance and was told to download the fraud affidavit from the website, which I completed and returned for ALL the charges. I have never had excessive charges such as these in any time frame, let alone in 48 hours, especially considering the card limit is {$300.00}. Over {$350.00} of charges were made in 2 days. I have had this card since XXXX and not once has my balance EVER exceeded my limit of {$300.00}. In fact, I regularly pay off my account. On XX/XX/XXXX, I received a letter stating that the results of the investigation concluded that since I was in possession of the card at the time of the " alleged fraud '', the charges were deemed to be mine. Really??? I've been a victim to credit/bank fraud before and never have I been told that because I had the card in my possession, I made the charges. I know for a fact that your credit card number can be obtained many ways while you have the card. In fact, I was told by a fraud investigator at XXXX, when I had fraud on my XXXX XXXX, this happens, a lot! I am preparing to file a police report with the local police. Additonally, I will be sending letters to XXXX XXXX XXXX ( who owns XXXX XXXX XXXX XXXX I have already sent a letter to XXXX XXXX XXXX ( issuer of the card ) I absolutely REJECT the findings of the fraud investigation that I am liable for the fraudulent charges made XX/XX/XXXX and XXXX, totaling {$350.00}. Additionally, I wish to have all late fees, over limit fees, and any other nonstandard monthly or yearly fees removed from this account and that my account balance be restored back to balance ( less any payments I have made ) it was prior to these fraudulent charges.
08/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78666	Web
XXXX XXXX XXXX is in clear violation of the law for furnishing an inaccurate collection account on my consumer report with an alleged debt of {$440.00} to REVVI XXXX XXXX XXXX on ( XX/XX/XXXX ). I have not given XXXX XXXX XXXX or REVVI XXXX XXXX XXXX written permission or authorization to report any information on my Credit Report and according to 15USC 1681 ( b ) Section 2 ; XXXX XXXX XXXX has no PERMISSIBLE PURPOSE by LAW to contact Third Parties with my private or personal, nonpublic information. Your offenses to reporting this alleged debt amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a Felony punishable up to 2 years of imprisonment in addition to civil liability along with defamation of character. Under the New Rule REGULATION F which took effect on XX/XX/XXXX, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & 10006.30a and its new rule XXXX XXXX XXXX must CEASE AND DESIST the reporting of this debt immediately or I will escalate this matter by taking Legal Action against your company for your willful noncompliance. 15USC 1692 ( c ) c Ceasing Communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt. I refuse to pay this alleged debt, CEASE AND DESIST all collections activity regarding this alleged debt and you must not report this alleged debt to any Third Party or Consumer Reporting Agency. I am very certain that XXXX XXXX XXXX or REVVI XXXX XXXX can not provide me with an original signed consumer contract that gave permission to report this inaccurate information on my report and it is no other than UNLAWFUL for REVVI XXXX XXXX to sell my information to you a debt collector when I am the original creditor. ONLY I CAN VALIDATE THIS DEBT AND I DO NOT DELETE THIS ACCOUNT IMMEDIATELY OR YOU WILL BE LIABLE FOR YOUR UNLAWFUL ACTIONS.
11/09/2021	No	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 990XX	Web
previously filed a complaint against vervent claim number XXXX and on XX/XX/XXXX i recieved a letter by email from a student loan servicing agency posing as first associates loans and when i called them they said they never had anything to do with vervent. Either they are trying to scam me, or vervent is a scam. It appears that they are related when i did research on line that they became vervent. Something is wierd. The phone number for this apparent fist associates loans is correct to reach someone, however the email and the address are not valid. I think this report that is on my XXXX report related to vervent, which i thought had something to do with first associate loans are related. I previously had a loan with first associates, but filed and had it dicharged in my bankruptcy. It is imperative that this be removed from my credit if they are related, this is not even a valid debt. I delt with first associates in the past and this company did not appear to be like they were before. They asked for my personal information to look me up and couldnt find me, then told me to call back later that maybe it was a glitch in their system. I asked to speak with a supervisor and they transferred me to someone who referred me to the email adress, so they could help me there. THese people have my personal information now, and couldnt even find me in their system and the guy was studdering alot. I think this is scam and it may be related to vervent. I havent heard from first associates in years and they are not on my credit. The last time i spoke with them i sent them my bankruptcy information and thought this was taken care of. It seems kind of strange that they would reach out to me within a few weeks of me bombarding vervent with phone calls and emails and not hearing back from anyone. Just to be clear, i have not heard back from vervent and i have filed with the attorneys general office as well as the federal trade commission and i will do the same with this. THis was my claim number with the XXXX They letter did not include amount owed or acct number and was written sincerely customer service. very vague letter.
09/26/2020	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	TX 77511	Web
Contacted First Associates on several occasions to settle amount. On XX/XX/XXXX reached an agreement with them to settle for {$1800.00}. Made arrangements to pay in 2 installments first one to be paid that same day for amount of {$930.00} which was paid and then the other half to be paid on XX/XX/XXXX. Called on XX/XX/XXXX to pay the other half and first person told me he couldnt find my account. After about 30 mins he said he found it but wanted to collect over XXXX which was the balance according to him. I told him I had made settlement arrangements to pay only the {$1800.00} and he said that on his end there was never a settlement agreement reached and I told him I have an email which was sent to me on XX/XX/XXXX stating settlement was approved and he said it was never approved on their end and that he didnt know where I got the email from. He transferred me to a supervisor named XXXX and he wouldnt give me him last name and he also stated that I needed to pay over XXXX. I told him I had a letter that was sent over to me to sign about the settlement agreement and he stated that they never sent any letter or email to me approving the settlement amount and they had every right to collect the XXXX balance. Stated the settlement was not approved and he didnt know where I got the letter from because it wasnt from them and since it wasnt in their system that I was going to have to pay all of it. I told him I had saved the email sent to me and he stated that email was not valid and I was still responsible for the amount owed. He said my 30 days to pay was up on XX/XX/XXXX and since that was on a Sunday and they were closed that any agreement would be nulled and voided since I was refusing to pay the balance on XX/XX/XXXX. He said since it wasnt in their system and he didnt know where it was sent from that in his eyes no settlement agreement was ever reached and approved even though the letter I had stated it was approved. I told him if it wasnt approved why didnt I get a letter stating that and he said they didnt have to send anything to me and that debt was still my responsibility.
06/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 762XX	Web
From XXXXXXXX XXXX XXXX of XXXX I was extremely ill due to a medical condition and was unable to work. I had made arrangements with my creditor XXXX XXXXXXXX that when I returned to work I would pay my account off in full. As promised I made them a {$400.00} payment and upon this agreement they stated my account would still be active and open and that I would be able to charge on my account. During this time I was charged late fees for XXXX XXXX XXXX XXXXn the amount of {$41.00} for each month totaling {$82.00}. XXXX XXXX stated that they would refund these fees and they would correct any negative marks on my credit report for XXXX, XXXX and XXXX. When I contacted XXXX XXXX about not being able to use my credit card they inform me to send them documentation for my banking institution showing that my payment had cleared my bank and that they would then remove the block from my card and my card would have a zero balance and be able to be used. As promised I sent XXXX XXXX the documentation showing where my funds had cleared my bank. Now that I sent these documents they're stating that this is not a secure method and they couldn't promise that they would be able to do anything for 30 days. However These funds were made by debit card and paid for through their rapid payment system and me being charged an extra fee. I did not want to accrue anymore interest or late fees and now I have received an email stating the website they gave me I have been blocked from and can not send my documentation. Email address for XXXX XXXXXXXX Correspondence : XXXX Attached you will find documentation that my debit card payment has cleared my financial institution in the amount of {$400.00} payable to XXXX XXXXXXXX XXXX card ending in XXXX Please contact me as soon as possible to let me know that these documents have been received and the hold will be removed from my account and my credit report corrected as a courtesy promised due to my medical situation. Sincerely XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX
05/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	AL 35806	Web
Subject : Request for Immediate Update of Current Balance to Credit Bureaus Dear Revvi Credit Card Company, I hope this letter finds you well. I am writing to request your prompt assistance in updating the current balance on my Revvi credit card account to all three major credit bureaus : XXXX, XXXX, and XXXX. This request is of utmost importance to me as I am currently in the process of securing a loan, and having the most accurate and up-to-date credit information is crucial. I recently made a payment towards my Revvi credit card account, and I kindly ask that you take immediate action to report this payment to the aforementioned credit bureaus. It is my understanding that the credit bureaus update their records periodically, but I would greatly appreciate it if you could expedite this process given the time-sensitive nature of my loan application. Please find below the details pertaining to my Revvi credit card account : Account Holder Name : XXXX XXXX Account Number : XXXX Current Balance : XXXXXXXX Date of Payment : XX/XX/XXXX I understand that credit reporting is a standard procedure, and I am aware of the importance of accurate credit information. By updating the current balance promptly, you will not only assist me in securing my loan but also ensure the overall accuracy and reliability of my credit profile. If there are any additional forms or documentation required to facilitate this process, please do not hesitate to inform me. I am more than willing to provide any necessary information to expedite the update. I sincerely appreciate your attention to this matter and your commitment to customer satisfaction. I kindly request that you confirm in writing once the current balance has been reported to XXXX, XXXX, and XXXX. Your swift response and cooperation in this regard will be greatly appreciated. Thank you for your prompt attention to this matter. I look forward to a positive resolution and continued excellent service from Revvi Credit Card Company. Yours faithfully,
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30141	Web
The XXXX XXXX XXXX # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
01/01/2023	Yes	Credit card or prepaid card 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	FL XXXXX	Web
I had a card from XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX. I reported fraudulent charges on my card and submitted all the information to the company and requested the account be cancelled and the charges removed. which they agreed to do. 3 months later a bill for the same card comes with late charges and more fraud charges on it, and was reported over 30days late to the credit bureau damaging my score dropping about XXXX points causing declined applications at a critical time trying to get an equity loan on my house. The account should have been closed. Now to make it worse I just another bill on a replacement card number they issued, that I did not request and they transferred the fraud charges to the new card number which was never received or activated by me. And they are getting ready to slap another late charge on my credit. I waited on hold over 2 hours in XX/XX/2022 to speak with a supervisor that assured me everything was taken care of. I sent another Fax today XXXX XXXX with the statement of the replacement card which I never requested or rec 'd showing a balance of {$110.00}. This is just FRAUD over and over again from this company. Possibly thinking people will just pay it to keep from damaging their credit because they do not send any notifications, or calls about late amounts due like other companies due. It is so hard to get ahold of this company and they don't do what they say they are going to do, or cancel cards with fraud charges, and issue cards in your name without authorization and apply charges that you did not charge ... I can't put a number on the pain and frustration they have caused me. Feel they should pay me a monetary amount for damages of at least {$10000.00} or be fined much more by CFBP for their actions. At the least cancel all cards, and trade lines with my name on them, and confirm this in writing. with a check
05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70126	Web
Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
04/24/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	NC 28043	Web
In XXXX I graduated from XXXX XXXX XXXX. During my time there I instructed the bursar I was not at all interested in private student loans, only federal, and the only loan documents I physically signed aligned with that fact. I never signed any form requesting private loans for my education at any time. Starting in XXXX, I start receiving notices from Activate Financial about an outstanding loan from FA Peaks that has been accruing late fees and interest over the course of two years after the forbearance time ended after my graduation, with no prior notice of debt due. I never heard from this company nor any other regarding private loan debt until the purported loan had already accrued a healthy proportion of the initial principal in fees. I understand I have 30 days after the notice of a debt to dispute the validity of it, but how can I dispute it if the notice doesn't come until two years after the forbearance window? This is clearly fraud on the part of XXXX, a charge specifically for which it was shut down permanently, and Activate Financial is attempting to collect a fraudulent debt. Activate Financial nor FA Peaks can reproduce any evidence with my signature of anything I signed permitting this loan. Activate Financial will respond to this complaint only with a collection notice, included here, and a form letter indicating a debt is due as their only defense, which is both lazy and indicative of their dishonesty. This is a bad debt that they continue to pursue in bad faith, and has crippled my credit worthiness for too many years. Please do not let them merely send a form letter indicating this is my debt to close out this complaint, as that will be their only response because they know they can't support their claim with any proof.
03/22/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC XXXXX	Web
Due to the covid-19 situation, I lost my income and am unable to make the minimum payment on this loan that was due on XX/XX/2020. I contacted the lender on XX/XX/2020 to ask if I could defer the loan 3 months ( as other lenders had done ). The representative said he would put a request in and that I should receive an email w/documents that I will need to fill out and turn back in. It would take 1-2 business days. I called back on XX/XX/2020 to make sure this was done. The representative checked and yes, the request had been sent, but nothing was emailed to me yet. Should receive it that evening. Called back and emailed on XX/XX/2020 ... .still nothing received and they had no information for me. They said again, email should be sent by end of day. Called on XX/XX/2020, still no email and again told the same info ... except today I am told it takes 1-3 business days and possibly longer. Should receive email soon. Each day I have told them I have never been late on a payment. I am told I have a grace period until XX/XX/2020. Called again on XX/XX/2020 and I am told the same-I ask for a supervisor. He says they do not have any new info. He also says that some requests have been unanswered for months and he does not know if there is anything they can do for me. They have not received any guidance from the managers. He gives me the email address to email them directly. I have not received a response from that email ; or, the one I sent on XX/XX/2020. I am not able to get any answers from this company and basically I am not able to pay on this loan at this time. I was set to pay it off this year. I am very distraught and concerned as I have NEVER been late on a payment and all I receive from them is lip service.
10/09/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	NE 683XX	Web	Servicemember
I had, had a credit card with the company for a few years and my card was set to expire in XX/XX/2023. My card was totally paid off and had no balances. I called in XXXX when I didn't get a new card and I was told they were behind in getting the new cards processed and mailed to call back in XXXX weeks so I called the end of XXXX again I was told that they were behind in getting cards processed and mailed to call again. In mid XX/XX/2023 I received a text message from the credit card company that I owed XXXX XXXX so I called and they said my address didn't match and I had to send in a copy of my driver 's license and a current utility bill before they would talk to me. I did this and I received a letter that they updated my address and when I called in disputing the charges by this time they are now {$280.00}. and I am told they will work out an agreement and I said for what I didn't charge anything so how can I owe anything O asked to speak with a supervisor and she said that all the charges are fees, and interest since XXXX and I asked how can they charge me for a card I never received or activated and I told them that they were the one 's that were behind sending out cards and I can't be charged until I receive and activate a card otherwise they were committed credit card fraud. They said they would waive some of the fees if I will pay half and I refuse to pay anything as they never mailed out a card the girl I spoke with before the supervisor said she never saw a card get mailed out. These people want me to agree to pay for something that I never got and I know we don't have a current contract since I never actually accepted or activated a credit card.
06/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Old information reappears or never goes away	NJ 070XX	Web
First Access is reporting under the name XXXXXXXX XXXX XXXXXXXX XXXX on XXXX and XXXX with Total Visa Cards contact information. This account was paid to be removed and closed XXXX of XXXX through total card inc. that was emailed to me the same day. it was removed from my credit report as agreed. It was added back about more than year ago, and I have been disputing with the credit bureaus and XXXX XXXX every month. along with calls, emails, faxes. They never even sent my credit history which was requested as well. They have been reporting incorrect data on months after closure of the account causing my credit to drop even putting charge off status and lates in XXXX. Putting me at risk of being homeless. due to recent home purchase and lease ending. I have been calling Total Card since its the phone number on my report. No one has access. Not even First access customer service has it. Only the back end office and the only way to contact correspondence is through fax not even they have access to this department. I am in the middle of purchasing my home and am set to move out at the end of the month. The recent credit drop has put a delay and time limit for this to be updated. I've explained to everyone my situation and no one could help either because they cant access my account- so they cant transfer or they tell me to dispute it and that they cant contact the corresponding department. Every time that I dispute, its new random information added to my credit report. XXXX and XXXX have both guided me well however limit information since there is not contact information for correspondence at first access.
07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	DE 198XX	Web
bad warranty, both companies have violated my rights per the FCRA : they have violated the truth in lending act, consumer laws : it's being reported to all three credit reporting agencies in their affiliated third party agencies : XXXX XXXX XXXX XXXX XXXX XXXX has continued to charge illegal fees, reporting amount, not accurate. From charge-off in XX/XX/XXXX, then change to ( open ) status past due {$14000.00} when vehicle was involved in accident XXXX XXXX has reported each month from XX/XX/XXXX as past due with {$0.00} amount due each month, updated balance from {$14000.00} XX/XX/XXXX - XX/XX/XXXX, increasing by {$10.00} to {$14000.00}. As of XX/XX/XXXX balance increased to {$14000.00} to allow the loan to remain as a open status on all three credit reporting agencies reports. Once a loan reports as a charge-off in sold to a third party lender, it can not report as ( open ) on any report. This account has been issued to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. XXXX XXXX XXXX credit card was not open by myself, they continue to report to all three credit reporting agencies and their affiliates inaccurate information, fraudulent company names to each reporting agencies. They are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXX each company uses the same account loan #, but with different open dates balance of {$440.00}. FCRA promotes the accuracy, fairness, and privacy of information in the files. Under these laws as a consumer all my rights was violated.
06/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64014	Web
XXXX has removed the items below but have allowed the same companies to update the same information that's already been disputed and deleted. won't remove the following. XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX and XXXX are reporting lower scores and incorrect info. XXXX XXXX XXXX XXXX of XXXX XXXX charter # XXXX I was told by two Women at the XXXX branch that I have been denied an auto loan that I absolutely qualify for, because of XXXX XXXX XXXX and other debt that was included in my Bankruptcy doing the recession over seven years ago. I was also told to consider a different bank because XXXX dose't typically led to my " kind ''. I personally know and was referred to this credit union by several " XXXX '' friends, family and even employees of this institution and several of them only have a XXXX score with lots of debt, yet they were able to receive auto loans, mortgages and credit cards from your loan officers. I've been told by XXXX that the XXXX credit score to qualify is XXXX, I received a letter from XXXX saying my XXXX score is a XXXX. I have direct deposit with this financial institution, I make {$1000.00} per week and have zero loans or debt. Please consider taking a second look at this matter, because after further review and conversation with other credit unions, attorneys and city officials I've been informed that this is direct power thrusting and discrimination by someone with " XXXX privilege '' being in a position to deny me because I'm a XXXX American and that's the only reason.
06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	IN 46260	Web
I am filing this complaint because I previously disputed this account and gotten a response telling me to contact the original creditor. The bureau only collects and reports information furnished by the creditor. On XX/XX/2021 I filed a complaint with the CFPB, Complaint # XXXX and XXXX failed to initiate an investigation. I have received a response from XXXX regarding my complaint saying that they were unable to identify me but that is not true. I also submitted the same complaint with the CFPB on XX/XX/2021 to XXXX and XXXX and they did not refuse to initiate an investigation. All bureaus were provided the same information. I am having an issue with this bureau investigating an account that is incomplete and inaccurate. The creditor has not validated the debt with competent evidence bearing my signature that I have or had an contractual agreement. The bureau still verified the debt. Since XX/XX/2021 when I filed my complaint XXXX has updated the account with new information and re-aged the account. Also they have added more late payments after the account has been closed. But they shared with me and the CFPB per my previous complaint that they werent able to identify me and closed the complaint so therefore how did they initiate a investigation without my knowledge. They also updated the account after me filing my previous complaint. They have violated my consumer rights under the FCRA laws. There is different information being reported to all bureaus about the same account. I have brought the to all bureaus attention.
09/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48237	Web
Privacy Act of 1974 ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of 1974. Furthermore I was not given notice to make the decision of opting out of the disclosure. Every company owes you a privacy notice before they furnish any information to the consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.
05/27/2020	Yes	Vehicle loan or lease Loan	Managing the loan or lease Billing problem	GA 305XX	Web
I have had a loan with XXXX1st Associates over 4 years, and I have had issues since the beginning. I have paid my loan on time every month, and I have done so without autodraft. On XX/XX/XXXX, I submitted my payment 3 weeks early, and I noticed that another payment was drafted from my bank account on XX/XX/2020. I called on XX/XX/XXXX, and I was told that I had signed up for autodraft and that my payments would be taken on the XXXX of each month. I told the representative that I had never signed up for that, and, even if I had, I had already paid the payment for XX/XX/XXXX weeks early and they took another payment on the XXXX. I requested that the payment be reversed and returned, and I was told it would take up to 2 weeks. Still have received nothing, and I have contacted this company several times since. No reply. Last year, I sent in a total of 5 payments and asked that they be applied for the next 5 payments. I was told that was fine, then received a bill for the next month. When I called, they told me that they did not apply them the way I requested, and I was just out of luck. This has been the norm for them. I have emailed them and told them not to autodraft anything from my account. I am sure they will try, and when my bank refuses per my instructions, they will try to charge an returned check fee. I am paid ahead by 6 months, but they still try to take more. I can not even get a copy of my payment history and it is not available on their website. I have asked for that several times.
11/17/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Application denied	NV 89103	Web
On XX/XX/2023, I received a " First Access Application Response '' PDF from First Access denying my credit card application due to a XXXX XXXX XXXX of XXXX. However, I provided First Access with my social security number, allowing them to access my credit report, without receiving any benefit from their services. This is particularly concerning given that I received another email on XX/XX/2023, from a different company, also denying my credit card application based on my XXXX XXXX XXXX, which was reported as XXXX. The substantial discrepancy in my XXXX credit scores reported by these XXXX companies within a ten-day period raises serious concerns about the accuracy and integrity of the credit reporting process. These repeated denials and inconsistent credit score reporting have caused significant financial damage, jeopardizing my ability to access credit and build my financial future. Moreover, the emotional toll of these rejections has negatively impacted my mental and social well-being. As an individual striving to build an art community, I feel disheartened and exploited by these unfair practices. I request your immediate attention to this matter and urge you to investigate the discrepancies in my credit score reporting. I believe I am entitled to compensation for the financial and emotional harm I have endured due to these inaccurate credit reports. Thank you for your time and consideration. All rights reserved, without prejudice. Sincerely, XXXX XXXX XXXX
07/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 754XX	Web	Older American, Servicemember
I signed up with XXXX for 4 online classes in XX/XX/XXXX. XXXX set me up with 2 loans through First associates in XXXX XXXX for XXXX. I took and completed the first course, which cost XXXX. I then was diagnosed with XXXX XX/XX/XXXX. I called XXXX, told them of my diagnosis and how it changed my plans. I asked for a refund for the 3 courses I never started. They refused. I contacted First Assoc. and told them I would pay them for the 1 course I had completed. I was told they had disbursed both loans to XXXX in XX/XX/XXXX and had to repay them whether or not I had started the courses. I then questioned XXXX why I couldn't get a refund on the 3 courses. they said I had 10 days after I started the first course to ask for a refund, even though the 2nd, 3rd, and 4th courses wouldn't begin for months. The first course lasted 8 months, the next 3 only last 4-6 weeks each. I feel this was extremely deceptive! I questioned why they disbursed the 2nd loan before I completed the first 2 courses on the first loan. The simple fact is XXXX recieved the XXXX and after 10 days I could not cancel. In XXXX I disputed the First Assoc. account on my credit report. It was removed because the amount was incorrect. 2 months later it showed up again on my credit report again, but with a different name. Vervent Inc. Which is First Assoc. of XXXX XXXX. Same address, same phone #, same company, same account I had removed in XXXX. This account has been on my credit for 7 years 3 month.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web
The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX XXXXREVVI Account No. : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion. XXXX XXXX/REVVI ( Vervent Inc. ) and XXXX have continued to report this fraudulent account to my credit report after confirming with me it would be removed ; regardless of the documentation supplied confirming the account is indeed a result of identity theft.
04/01/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	SC XXXXX	Web
Company is not following through with what they said they would do. They finally sent the paperwork for me to sign via XXXX in order to extend my payment due date ( due to Covid-19 and not having an income ). I signed the documents immediately and they were sent to the company. I received confirmation ( only through XXXX ) that they had been signed and my part was done. However, when I call and review my online information, it still shows my old due date. My account shows I am PAST DUE and does not reflect the new due date. When I call, they do not have any new information and still show the old due date XX/XX/20 ( not the XX/XX/20 ). I am told I have until XX/XX/20 ( since there is a grace period ). I would like to have my account reflect the correct information and would like something documented showing that the loan company is following through with what they said they would do. As mentioned, when I call, they do not have this updated info. I have never been late on a payment and feel that I should NOT have to spend every day following up on this. This situation is already extremely stressful and having this burden added on to my plate is ridiculous and uncalled for. PLEASE, update my information! Let my account reflect that my due date is XX/XX/20 and not that I am late! XXXX shows that they have not even looked at the document since they created it on XX/XX/20!
11/04/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	WA 99223	Web
On my credit report vervent company in California which is an apparent bussiness loan place reported that I owe them XXXX dollars. I had a previous loan with first associates loans for a private student loan that was supposed to be discharged in my XXXX 7 years ago. Since then from my research, this company no longer exists and is now called vervwnt. I have called and left numerous messages and sent many different emails to any emails I could get my hands on. The phone number on my credit report is w On my credit report vervent company in California which is an apparent bussiness loan place reported that I owe them XXXX dollars. I had a previous loan with first associates loans for a private student loan that was supposed to be discharged in my XXXX 7 years ago. Since then from my research, this company no longer exists and is now called vervwnt. I have called and left numerous messages and sent many different emails to any emails I could get my hands on. The phone number on my credit report is wrong and every phone call leads to an automated system. It is reporting derogatory on my credit and I cant even try to resolve it, due to the fact that they are not getting back with me. Can you please help? I have reported this to the attorneys general office as well as the better bussines bureau. At this point, j think I may need to get an attorney. Thank you XXXX
10/02/2023	Yes	Credit card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	TX 750XX	Web	Servicemember
The credit card REVVI requires a program fee of {$95.00} to activate the card for use. I paid the fee and my card would not work. I spoke with them and they said the card was not activated and they would activate it. I tried after that and it still would not work. I called back and thet said they would deactivate it and reactivate it. I stayed on the phone while I tried to use it again and it still would not work. I tried 4 placess. XXXX said declined. XXXX said not able to use XXXX XXXX said security # was invalid XXXX said there was an error with the card. They said they did not know why it would not work. I requested to have my program fee returned and the account closed. I asked for a confirmation after they agreed to do so. I was told they could not provide a confirmation. I have now seen reviews that this has happened to multiple people after paying the program fee was paid and that the card would not work. After asking to close the account that they do not close the account. I have called this morning to confirm it was closed and was told yes but that they would start the credit for the fee. I spoke with a supervisor and asked why I was told they would credit back the fee and today it had not been processed. He said it had been and did not know why the other representaive said it had not been processed. At this point i can't believe them.
12/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90043	Web
XXXX FIRST ACCESS BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Original creditor sold to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX to XXXX these accounts : Account,. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case
11/23/2022	Yes	Credit card or prepaid card 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	TX 770XX	Web
In XXXX of 2022, I had submitted a dispute involving two transactions. My XXXX credit card, issued by XXXXXXXX XXXX, had been charged and I disputed two transactions. The XXXX agents instructed me to mail a physical dispute form, and I had received confirmation of this in letter dated XX/XX/2022. Today, XX/XX/2022 I had contacted the company once more, requesting updated status on my dispute. Usually, financial institutions issue a provisional credit during the interim of their investigation. However, XXXX agents this evening had firstly ended our phone call intentionally, and then on the second and third call they provided misreported, and false information regarding the status of my claim. These agents stated that they received my dispute submission today, rather than the initial letter of confirmation which specified confirmation on XX/XX/2022. In addition to this, they have provided inaccurate and contradicting information about the status and details of my dispute. I am seeking provisional credit during the interim of this period, and have not been updated nor contacted via email, mailing, or phone call. {$310.00} is the total amount I have disputed, and the company has been extremely negligent in processing this dispute.
06/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AR 728XX	Web
I contacted this company REVVI there was an inquiry from them on my credit report as I know I never applied. The credit bureaus supplied me with their phone number and when I spoke to them I found out there was an entire account recently opened under my name. I LET THEM KNOW I NEVER AUTHORIZED THEM OR ANYONE to open any accounts under my name and social and to remove that immediately. And also never lived at the address they have repeated to my credit report either attached to this account! Especially since I caught it early via the inquiry. Now weeks later they still have the account OPEN and had actually placed it on my credit report even AFTER me contacting them about the fraudulent account KNOWING that it is fraud. If they do not remove me out their system and delete this FRAUDULENT INFORMATION off my credit report I will take legal action against them as they have been TOLD already and have done NOTHING except proceeded to place account itself on my credit profile and keep the account OPEN. I willl be filing a complaint with The FTC and all other government agencies due to the unethical practices of this company, should they not remove me out their system and off my credit reports as they are supposed to.
05/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TX 760XX	Web	Servicemember
On XX/XX/23 my auto pay payment of XXXX was processed 18 times and deducted from my bank account as well for XXXX they placed a restriction on my account for that I guess after they figured out it was a glitch in their system because their system would not allow a payment to be processed but every 13 days so they then have told me for a month I would be receiving my refund within 7 days for a refund. I still havent received any letter stating that they closed my credit card or anything. By the way all the payments cleared and now they are requesting proof that the payment was taken from my account. Since then I closed the bank account due to this happening. The payment isnt returned unpaid so I feel like thats proof enough they have the money. Also 2 months prior I had to send documents proving owner of account for my bank and they have those documents. I have the voicemail saved from their representative telling me my account was unrestricted and the documents were valid. Everything was fine till the overpayment then they said that the restriction was removed by mistake no it wasnt, anything and everything to stall on sending the refund. They basically told me they dont have to give it back.
08/02/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	CA 95377	Web
I was a student at XXXX XXXX XXXX. In 2016, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions. Company 's Response ear Mr. XXXX : We received your complaint from the Consumer Financial Protection Bureau ( CFPB ) regarding account XXXX. Further review of the account confirms it is " paid in full by claim. '' The account has been marked closed and flagged for no further communication. We would like to thank you in advance for your understanding and ask that you feel free to contact us if you have any questions. Our offices can be reached at XXXX ; Monday-Friday from XXXX XXXX XXXX ( PST ) and Saturdays from XXXX XXXX XXXX ( PST ). Sincerely, Customer Service Activate Financial , LLC. My complain is PEAKS Loan is still asking me to repay this loan even after this loan have been paid in full looking at the response above. My credit score is been impacted by this loan. PEAKS have been avoiding my calls after trying on multiple occasions to fix this problem.
06/24/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
The company 1st Associstes dba Vervent claims that I have a student loan with them. Ive never received a degree or attended courses during that time. Ive tried reaching out to the company who was never responsive. When I did I was told Id receive a fraud packet through email and mail. Ive never received it and called to make the company aware. I was told by a clerk the company sent it off through email and refused to help me further. Ive tried researching the company online to find out that they have done bad business in the past by distributing loans to several individuals that were not cleared on the terms. Any outstanding loans were to be removed. The company regardless shouldve removed the incorrect data years ago and that never happened. I have since been tricked into verifying my email address and personal information for the company to send me info. Instead the company discriminated against me to false claims. The company alluded my personal information and lied saying they would send me over fraud packets. I want the company shut down after my lawsuit is over. Nothing was resolved and I feel very much harassed by this horrible company 1st Associates Dba Vervent.
06/24/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
The company 1st Associstes dba Vervent claims that I have a student loan with them. Ive never received a degree or attended courses during that time. Ive tried reaching out to the company who was never responsive. When I did I was told Id receive a fraud packet through email and mail. Ive never received it and called to make the company aware. I was told by a clerk the company sent it off through email and refused to help me further. Ive tried researching the company online to find out that they have done bad business in the past by distributing loans to several individuals that were not cleared on the terms. Any outstanding loans were to be removed. The company regardless shouldve removed the incorrect data years ago and that never happened. I have since been tricked into verifying my email address and personal information for the company to send me info. Instead the company discriminated against me to false claims. The company alluded my personal information and lied saying they would send me over fraud packets. I want the company shut down after my lawsuit is over. Nothing was resolved and I feel very much harassed by this horrible company 1st Associates Dba Vervent.
09/14/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	TX 77433	Web
I was issued a visa card that I never applied for. I called the company that was reported on my credit. They refused to give me any information about this account. They could not provide any information on what the bill was for. I went on their website to learn it is a yearly fee for the card services of XXXX. They couldn't tell me that. The card was never activated and I let them know that I felt like this was a scam and demanded them to send me all documentation to show me this account and my signatures. I spoke to a supervisor and told him I would be reporting him if I didn't get this info and close this account. They hung up on me and reported the late payment to my credit bureau and it caused a XXXX point drop on my credit for their one late payment of XXXX. I never got the information I requested but I did get a letter stating that they canceled this card due to fraud but I'm still responsible for the fees. They are still reporting to my credit that it's an open card and now the balance has more than doubled in 1 month. This is devastating due to the fact that I am trying to get a financial license and my credit is crucial and this is fraud.
03/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60611	Web
I have two accounts that were used fraudulently in 2018. I filed a police report when my wallet was stolen. I have sent 7 letters of dispute including my state id, FTC Identity Theft Report, copies of the police report, and my social security card. This information should have been blocked under FCRA, and after a year and a half of sending certified letters regarding a XXXX XXXX XXXX XXXXXXXX XXXX XXXX. FCRA says information needs to be blocked in 5 days of receipt of the packet being sent certified mail. The XXXX XXXX XXXX verify it every single time, and nothing gets removed despite being a victim of theft. XXXX sends me a letter over the last 6 times sending a packet saying they want me to resend the same exact packet of information which is so frustrating. I filed a complaint with the CFPB, and they sent it back to be verified to XXXX XXXX instead of resolving the issue. If I do not get a resolution from XXXX, I will file with the XXXX XXXX XXXX and a small claims case in XXXX County. I demand that information be blocked. Total notated " lost or stolen '' in the consumer statement section. This is unacceptable.
10/12/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IN 46239	Web
I got an email on XX/XX/2023 from Revvi stating that they have a settlement offer for me. I was instructed to call them to get the offer terms. I called Revvi on XX/XX/2023 to get the terms of the settlement offer. The representative told me the offer is for {$41.00} for 3 months. I asked if I could just pay the {$120.00} ( {$41.00} for 3 months ) in a lump sum, and the representative said yes. I asked if my account would then reflect a XXXX balance, and the representative said yes. I asked if my account would stay active, and the representative said yes. I then agreed to those terms and proceeded to verify those terms with that representative at least 3-5 times while I was preparing my payment of {$120.00} for the settlement offer. Ultimately, I successfully made that payment on that same ( recorded ) phone call. I checked my account balance the following week, and my account did not reflect a XXXX balance. I have since spoke with this company and they are denying that the terms ever existed. I asked them to listen to the recording of that conversation, and they ultimately said that will most likely never happen.
03/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MI 48433	Web	Servicemember
XXXX-I called XXXX XXXX XXXX Customer Services ( Vervent/Total Card ) regarding an outstanding account listed in my name with there company. The CSR informed me that the account was closed and there was nothing she could do. XXXX mailed a certified letter to XXXX XXXX XXXX ( Vervent/Total Card ) Corporate Office regarding Debt Validation of the outstanding balance that I called about in XX/XX/2020 listed above. To date I have not received a response regarding my request. XXXX disputed the information to XXXX XXXX, and XXXX, that I did not receive debt validation from XXXX XXXX XXXX ( Vervent ) regarding account listed above. Each of the Credit Reporting agencies validated the debt was accurate even though the company did not validate debt. XXXX I called XXXX XXXX XXXX Customer Service ( Vervent/Total Card ) one last time for a resolution. XXXX ( CSR ) indicated once again there was nothing that the company could do. The company did not validate the debt, continued to report the information to the CRA 's and when I disputed it with the CRA 's they continued to report an invalidate debt.
11/21/2023	Yes	Credit card 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	DE 197XX	Web
My credit card limit is {$300.00}. I had a XXXX balance before I made a transaction on XX/XX/23 at XXXX XXXX XXXX, for {$66.00} which shows up as XXXX XXXX on my statement. On XX/XX/XXXX at XXXXXXXX XXXX I made a payment of {$68.00}. which shouldve brought my balance back to XXXX. I then made two transactions on XX/XX/XXXX one at new balance XXXX XXXX, and one at XXXX in XXXX, PA. I go to check my balance yesterday because I was trying to do something with my card and I seen that I still have the balance from the three transactions and my payment I made is not reflected on my balance. So I give the company a call and try to find out whats going on, the representative could not tell me much and we was on the phone for like 20 minutes l. So I had to ask to speak to a supervisor to see if I can get some clarity of what was going on. The supervisor could not tell me much. I explained to her the transactions I made, and the payment I made. When you calculate the payments I made, and the transactions I made my balance should not be what it is. So thats why Im coming to your office for help.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33411	Web
I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. This includes any and all signed consents for running my credit by myself ( XXXX XXXX ) If you can not provide such documentation, then please remove this inquiry from my credit file immediately. i am again launching this dispute due to an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. Because I did not apply for credit with your company I am also asking that they remove the inquiry from my credit profile. Please launch an investigation into inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you are able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter. Sincerely, XXXX XXXX
09/08/2023	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	MA 027XX	Web	Older American
My account had an available credit, then the company without any advance notice charged me an annual fee which was fine but I should have been notified in advance as the fee put my account over the limit. I immediately made a payment to bring my account to a positive. That payment posted to my account within 2 days. Then I Made my monthly payment on XX/XX/23 from the same bank checking account that all my payments have been made from for over 2 years. As of XX/XX/23 my payment still has not been posted to my credit card account. This payment cleared my bank on XX/XX/23 and the credit card company has received the money but are still holding my payment for 14 day because payment was made with unsecured funds ( personal check or AFT ) then the charged my account the monthly maintenance fee that again put my account over the limit. They have never ever in the history of my account help my payment for 14 days. This is not right. If the process my payment and it clears my bank then that payment should be posted to my account not held for weeks after they received the funds.
08/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	TX 756XX	Web
The Credit Card Company Refused to Close the Credit Card Account on XX/XX/2023 and have charged the Cardholder late Charges. The Credit Card was requested closed by the Cardhold and the Person Filing the Complaint. The customer service worker refused to completed the Cardholder 's request. The Credit Card has been paid off and only the open account monthly fees were billed, similar to debit card fees. Keeping the account open was nolonger useful and Frivolous spending. The Credit Card Company charged the Cardholder 's Account twice for latest fees while available credit for the monthly fees were on the Cardholder 's Account Balance. On dates XX/XX/2023 available credit of {$55.00}, was taken for a {$41.00} monthly payment and a late fee was charged to the Cardholder 's account. and XX/XX/2023 available credit of {$45.00} was taken for a monthly payment and a late fee was charged to the Cardholder 's account by the Credit Card Company. I am not sure of the accuracy, it should show on the monthly statements. The Credit Card Company never returned the available credit.
11/02/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 94577	Web
I closed my credit card with TOTAL CARD VISA on XX/XX/XXXX over the phone. I paid my credit card bill in full prior to closing it. I spoke with a representative named XXXX who helped process the closing. I was told over the phone that the monthly fee of {$6.00} and annual fee of {$48.00} were refunded/waived. I paid a total of {$310.00} ( including the waived annual and monthly servicing fees ). After being waived, my account online now shows my balance is negative {$54.00} ( {$6.00} + {$48.00} ). I was also informed that a refund in the form of a check will be mailed to me. All of this happened on XX/XX/XXXX. I was never given a timeline on when I am going to be receiving the refund/check. It is now XX/XX/XXXX and I have yet to receive any refunds from TOTAL VISA. I had called numerous times and had been repeatedly told the check will be mailed and has not been mailed yet. I have attached a screenshot of my statement showing the fees I paid, their reversals and the total amount of what I paid. Name of credit card company : TOTAL CARD VISA ( XXXX XXXX XXXX )
04/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	AR 72034	Web	Servicemember
On XXXX I paid my program fee and called to ask about my card. I was told they had mailed one and I explained I did not get it. I was advised I would get one in 10 to 14 days. I never got my card on XXXX I received a bill with a XXXX dollar cash advance on it. On XXXX I called multiple times to resolve the issue. I wanted to get my program fee back seeing as how i never got the card. I was then told cash advanace really wasnt a cash advance. So what am I being bullied into paying for? When i asked to close the account i was hung up on. I called back, verified social, dob, address, name and then was put on hold until the call ended. I called again and verified my name, social, dob, address, personal number, etc, but was told he could not help me bc someone entered my work number wrong. Every time I would call i would be asked to verify different things and told it doesn't match so they can not help me. I confirmed my dob, social, name, address and personal number yet no help. I have tried multiple times to get resolution with Revvi
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	ID 83442	Web
I was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30339	Web
XXXX XXXX/REVVI XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Remove it from my credit report. XXXX and this creditor are both in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX and the attorney general as well. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. XXXXREVVI can not supply this information and proceed to just continue reporting this fraudulent account ; directly violating my rights as a consumer that I am entitled to per the FCRA.
06/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48186	Web
I got a inquiry alert on XXXX for XXXX. Also for XXXX .I contacted the company for the XXXX inquiry and nothing was done. They told me they didnt even have me on file and to contact XXXX. I did and nothing was done. But both of those dates i have never applied for any credit. Why would i apply twice for the same credit card a month after each application? It wasnt me. This is either fraud. Or the company is reopening old files and reporting it to the credit bureaus. I say this because I actually did apply for a credit card on XX/XX/2019, which i was approved for. so maybe someone in the company keeps opening that file and reporting it for some reason. Because this doesnt make sense. Ive been working with XXXX credit repair for months now trying to repair my credit. So why would i keep trying to open up new credit cards? I was told from XXXX to freeze my information from the secondary credit bureaus, such as XXXX XXXX because its possible that im a victim of fraud. Can someone please remove these inquiries XXXX and XXXX.
12/03/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Keep getting calls about your loan	AZ 85212	Web
# 1. I declared chapter XXXX bankruptcy in XX/XX/XXXX and was granted bankruptcy by the court in XX/XX/XXXX. My private student loans for Peaks Private Loans were included in that bankruptcy. Peaks loans was notified by me of my bankruptcy and I'm sure the court as well. # 2. In XX/XX/XXXX, after receiving phone calls from Peaks, I informed my attorney, who contacted Peaks on my behalf to end their phone calls. It worked, at least temporary. # 3. I attended XXXX XXXX XXXX from XXXX to XXXX, graduating in XX/XX/XXXX. Even if my loans with Peaks were not wiped clean as part of my bankruptcy, in XXXX of XXXX the CFPB, 48 states and the District of Columbia ordered Peaks to " stop collection on and cancel all outstanding loans it owns relating to XXXX ; and request that the credit reporting bureaus delete all PEAKS entries '' ... Well they have not done either. I've already contacted my attorney again, but I'd like to file a formal complaint. These people have been harassing me for too long.
06/02/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	TX 77406	Web
On XX/XX/XXXX I filed a complaint with you stating that this company is reporting several factors of inaccurate information on my credit report. On XX/XX/XXXX, Vervent, the company in question responded to my complaint. Vevernt stated that " THEIR COMPANY DOESN'T HAVE ANY RECORDS OF AN ACCOUNT BEARING MY NAME. " In addition, they stated that " WE ARE UNABLE TO LOCATE THIS ACCOUNT BASED ON THE INFORMATION PROVIDED ''! I have made all the proper attempts and used all proper measures with resolving this wrongful information being placed on my credit and damaging my current state of livelihood! I am in the process of buying a home and my lender made me aware that this account showed up. I am in no way aware of this company and furthermore who they are. I DO NOT HAVE A DEBT WITH THEM! I HAVE NEVER HAD A DEBT WITH THEM AND I DO NOT OWE THEM! Please REMOVE this account IMMEDIATELY so that I may successfully continue my buying process. The case was closed with you and no resolution was reached.
08/19/2020	Yes	Payday loan, title loan, or personal loan Title loan	Problem with the payoff process at the end of the loan	GA 30035	Web
I was in Bankruptcy for 18 months and discharged XX/XX/XXXX. I received my truck title from XXXX XXXX XXXX XXXX the last week in XXXX, so no problem with this. However, My First Associates Loan Servicing LLC ( XXXX XXXX ) loan was paid off through the Bankruptcy Chapter XXXX on XX/XX/XXXX by XXXX XXXX XXXX too. I contact First Associates Loan Servicing by phone on XX/XX/XXXX and was told the loan was 61 days past due $ XXXX. The customer services rep put me on hold then came back and said I had the wrong number and I do not have a loan. The number I dialed was and was told my account was past due with a balance. Then I was told I did not have an account. The number I dialed was XXXX. Then on XX/XX/XXXX, I received an email to update my password on XXXX XXXX portal. On XX/XX/XXXX I did and I type a message inquiring about my title. As of today, I heard nothing from First Associates. Based on the internet reviews, I may never get my title back so I am seeking help from CFPB.
06/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC XXXXX	Web
XX/XX/XXXX, XXXX XXXX, from the MO Division of Consumer Finance responds via email to a complaint initiated with the Comptroller. She couldn't understand what the problem I had with with XXXX XXXX XXXX XXXX as issuer, and Vervent, as new servicer, was. Again, the reports submitted to the bureaus include negative payment history that is not to be included. The Bank 's response is accurate in fact. Describes the action to be taken on the entry by the servicer, Vervent. That action, nothing, since the information is accurate. They are not considering those Metro II rules for subscribers. Story : Account opened XXXX XXXX was reported lost ( record XX/XX/XXXX ). Replacement arrived XXXX XXXX. Rule : 1. Update Account Number, one seamless file. 2. Open new account. Close original. Bank Opted for # 2. If you do that, the open date is the same. Negative information is excluded. Negative information removed from original account. Reinsertion rule prevents re-reporting.
08/30/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 756XX	Web
The credit of the account was paid in full, the Credit Card Company states the card holder owes them fees and interest. The Credit Company still owes the card holder money involved in these transactions On dates XX/XX/2023 available credit of {$55.00}, was taken for a {$41.00} monthly payment and a late fee was charged to the Cardholder 's account. and XX/XX/2023 available credit of {$45.00} was taken for a monthly payment and a late fee was charged to the Cardholder 's account by the Credit Card Company. The money was taken by the credit card company and was not returned. The money from the two transactions were intended to pay the monthly fees, but the credit card company took the money and billed the credit card holder late fees. The credit card company still threatens my credit with latest fees. Their response to the last complaint did not identify two late fee transactions and they refused to stop billing late monthly fees and interest on the closed account.
08/30/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 75766	Web	Servicemember
My original card expired XX/XX/23, I requested a new card XX/XX/23 first of the month, never recieved, called back end of XXXX requested another card, never received, called back in XXXX and requested a card never received, I have been charged XXXX for annual fee,XXXX for addition user fee, XXXX a month for service fees, a lost card fee, interested at XXXX percent on these charges and I have never once had a card in my possession. The contract states once signing or using the card I agree to terms and conditions of contract, I called to cancel account due to not having a card and their saying I owe them XXXX even though I never had a card to sign or use. Absolutely horrendous customer service and theft of service. Theyve charged me for a credit account I never had the ability to use. I have been bullied by this company and now its affecting my credit unless I pay money for something I never used. Please help me resolve this. This company is XXXX XXXX XXXX XXXX
06/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 31907	Web
I received a letter from Activate Financial in XX/XX/2021 advising of a debt owed from the original creditor, XXXX XXXX. I responded to the letter within the required 30 days and requested that the company validate the debt. My letter requesting validation was received by Activate Financial on XX/XX/2021 via USPS tracking number XXXX. The company did NOT validate the debt. There was no response to my letter. The company just recently mailed me a settlement letter dated XX/XX/2021. My validation request letter clearly stated that if the company does not validate the debt within 30 days, then all attempts to collect the debt must cease. The settlement letter is against the Fair Debt Collections Practices Act as the company did NOT validate the debt within the required 30 days from when they received validation request letter on XX/XX/2021. I am filing this complaint with the CFPB. I am also pursing the issue legally with an attorney. Documents attached.
09/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MA 02124	Web
Vervent/XXXX has listed on my credit report, particularly XXXX, that I have an delinquent account with them. This incorrect. For starters, I have contacted them about this account which I never opened. I was advised that this account was opened with a credit card by the name of XXXX XXXX. That was not done by me and I don't know that person. Secondly, I asked them to delete the account by making a money order for the total amount on my report in hopes to remedy this. Vervent cashed that money order in XXXX of 2019. At this time, Vervent doesn't even own the account. It has been sold to another vendor, who has sent me a letter advising that they stopped all collection efforts. Vervent doesnt have any documentation on file to indicate that I opened this account or that I'm deliquent. This fradulent and I tried several times to remedy. This is my last attempt before I sue them. This entry is affecting me a great deal and it needs to be DELETED.
01/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 231XX	Web
THE FOLLOWING ARE ALL UNAUTHORIZED HARD INQUIRIES ON MY XXXX REPORT. IVE DISPUTED THEM MULTIPLE TIMES BUT XXXX REFUSES TO REMOVE THEM. XXXX DOES NOT ALLOW YOU TO DISPUTE HARD INQUIRIES ONLINE, WHEN TRYING TO CALL XXXX, THERE IS NO WAY TO GET THROUGH. XXXX XXXX XXXX - non specific Inquiry date: XX/XX/XXXX Removal date: XX/XX/XXXXXXXX XXXX XXXX Credit Cards Inquiry date:XX/XX/XXXX Removal date: XX/XX/XXXX XXXX Personal Loan Companies Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date:XX/XX/XXXXRemoval date: XX/XX/XXXXXX/XX/XXXX - non specific Inquiry date: XX/XX/XXXX Removal date: XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date: XX/XX/XXXX Removal date: XX/XX/XXXXXXXX All Banks - non specific Inquiry date: XX/XX/XXXX Removal date: XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry dateXX/XX/XXXX Removal date:XX/XX/XXXX XXXX All Banks - non specific Inquiry dateXX/XX/XXXXRemoval date: XX/XX/XXXX
06/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33063	Web
XX/XX/XXXXcredit starting out since XX/XX/XXXXin XXXX then XXXX XXXX XXXX was found Im correct 2 accounts XXXX was balance and over paid in XXXX XXXX never got refund from them but this company keeps reopening the credit as over limit late fees this is the 3 rd time for 2 account makes it 6 times pulling my score to XXXX my credit is horrible and now there are all kinds of thing on my report names address and multiple loans fraudulent accounts iv froze my credit nothing is working and XXXX has found my info correct and removes it but within 2 or 3 days its right back back in XX/XX/XXXXits debt thats not mine mortage loans pulled that is my exhusband and his wife were my birth certificate has been sent and they are applying for loans they went into bank and stole my XXXX cd 3 loans on my credit report XXXX XXXX, XXXX XXXX, XXXX XXXX in XX/XX/XXXXXXXX XXXX dollars and I have the documents signed by them and the bank which helped them do it
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	FL 325XX	Web
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
04/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 32526	Web
I got a revvi card they charged {$89.00} activation fee and told me I would have my card within 14 days it had been a month I hadn't got my card so I called him and told him I was taking my {$89.00} back till I got my card and when I got my card I would send them the money back I got my card a week later I sent them the money back 7 days later they close my account after they already had the money back I used the card so when I saw they close it I went on there and I paid exactly what I used I paid the interest charge then they commence to telling me I had to pay the XXXX XXXX yearly fee after they close my account and charged me a late fee and started putting interest back on the card again I have a picture of it where I got it down to XXXX just the XXXX and the XXXX but now it just keeps going up and I refuse to pay the XXXX because I called them and told them what I was doing and they canceled me even though they had the money back
09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 325XX	Web
I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over XXXX days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92374	Web
I AM A VICTIM OF IDENTITY THEFT! I AM A VICTIM OF XXXX XXXX BREACH 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 2. Provide me with written confirmation of the results of your investigation. 3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 5. Provide me with an updated copy of my credit report once the corrections have been made. 6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.
09/05/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	CA 916XX	Web
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : -XXXX {$1500.00} -XXXX XXXX {$440.00} XXXX XXXX XXXX XXXXXXXX XXXX {$690.00}
06/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	VA 23324	Web
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 79938	Web
I previously disputed the accuracy of payments to this account with Total visaXXXX company claimed payments are correctly being reported but I pulled my reports yet again and found multiple innacuracies in question on XXXX and XXXX payments are being reported with different past due dates of XXXX XXXX XXXX of XXXX on XXXX as 30 days late on each month where XXXX is reporting 60 days late for the same months. XX/XX/XXXX is 30 days late on XXXX and 60 days late on XXXX account is also 90 days late of XX/XX/XXXX on XXXX but 120 days late on XXXX. XXXX of XXXX account is charged off but on time on XX/XX/XXXX how is that possible? Again I am asking for this tradeline to be removed from my credit report it is not being accurately reported according to the FCRA you must report this account accurate if account cant be accurate complete and verified as we both know by law it must removed from credit report if it can't be verified.
06/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	AR 728XX	Web
Over the past XXXX I have attempted to contact TOTAL VISA/XXXX XXXX XXXX and gettting the absolute run around after discovering they were one of several companies with an account opened fraudently in under my information. I was told that because I could not give any account information and because I refused to give my social that nobody could do anything about it and it would stay as it is. Even after I read all the information is saw in my credit reports. I have been in XXXX with my great aunt since XXXX of 2022 and its impossible for me to have opened an account anywhere back home in the states when I wasnt there I have data breach alerts for a few hrs now from XXXX and XXXX and alerts of my information being in the dark web and now I have a fraudulent account under my name that this TOTAL VISA XXXX XXXX XXXX COMPANY IS REFUSING TO REMOVE. I did not open anything with them nor authorize anyone else to. Remove this.
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 46368	Web
The credit card company ( Revvi ) was reporting the month of XXXX XXXX as late on my credit report. After speaking with them about this reporting they reversed the late charge and assured me the reporting would be corrected and suggested I dispute it with experian for faster results on my report. I disputed the reporting with XXXX and provided documentation showing the reversal for 2 late payments. XXXX gave me an update claiming the merchant ( Revvi ) validated the late payment. I then contacted Revvi and they informed me that they have already reversed the late charges and they no longer have it in their account history as a late payment. I contacted XXXX to inform them of Revvis response and they had me file another dispute with the same documents as the last. It seems neither XXXX or Revvi can make sense of why this late payment report is still showing so I am contacting you all in hopes of a resolution.
07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92404	Web
Debt Collector Communications Concerning Identity Theft Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person.
02/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA XXXXX	Web
XXXX XXXX Vervent inc. have been willfully and unlawfully violating my rights as a consumer and I have proof. XXXX XXXX / Vervent have been attempting to collect a debt and reporting negatively on a closed account that was previously deleted off of my credit report. Somehow without my consent XXXX XXXX Vervent and XXXX reopen a closed account and Negatively impacted my credit profile, bringing harm/ pain and suffering to my/ family 's livelihood. In a previous complaint back in 2021, XXXX XXXX Vervent resume responsibility of my presumption calling it an " oversight '' ( please see attached letter as proof where they admitted to me closing the account and them ( XXXX XXXX ) continued to bill my authorized cardholder 's account, which is illegal ). please see pictures as proof of deletion after the first complaint. This is Fraud and against the Law Pursuant to 15 usc 1692 and many more.
12/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	DC 20001	Web
I have already paid off the debt for Total Visa Card ending in XXXX through XXXX XXXX XXXX debt collections. I have received and attached an email from them stating that the debt was paid in full with their reference number XXXX. Two additional debt collection companies, XXXX XXXX XXXX ( reference number XXXX ) is attempting to collect the debt for the same card ending in XXXX, as well as XXXX XXXX XXXX XXXX ( reference number XXXX ). I have realized that I have been paying XXXX for the same debt that was already paid off with XXXX XXXX XXXX. To date, I have paid XXXX XXXX XXXX XXXX {$330.00} in the amount of XXXX biweekly payments so far, as I did not realize this was the same debt that had already been paid to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX and XXXX via their online portals regarding validation of the debt and have not received a response from either of them.
05/24/2021	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	MI 48044	Web
I was a student at the defunct XXXX XXXX and they recently lost a lawsuit for predatory loans. I was enrolled XX/XX/XXXX - XX/XX/XXXX. While I did complete the program, the loan amounts are so astronomical for a 2 year program. Due to the fact that they have been closed and sued, I would like to request forgiveness for the loans. I have filled out a form on the FAFSA site, and due to me not being active during the XX/XX/XXXX closure, it says that I did not meet the requirements. Loan Type DIRECT School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/XX/XX/XXXX Disbursement Date XX/XX/XXXX Original Principal {$47000.00} Loan Type DIRECT School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED/XX/XX/XXXX Disbursement Date XX/XX/XXXX Original Principal {$24000.00} Total Current Balance : {$86000.00} Total Number of Loans : 2
11/13/2023	Yes	Credit card 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	NC 287XX	Web
On XXXX a charge for {$110.00} came through my XXXX XXXX checking account from a merchant ID XXXXXXXX. I did not authorize this charge and I learned it came through as an ACH withdrawal. I disputed the charge on XXXX : dispute ID XXXX for account ending in XXXX. The dispute was resolved in my favor with the money being returned to my account. To ensure that no future authorizations would occur I contacted the company asking to speak with their fraud department. My customer service agent would not transfer me or escalate the complaint I was bringing for the reason that I do not have an account with the company ... and yet they have the account information for my bank. I am not a customer of this merchant yet they have the ability to withdraw money fraudulently from my checking account. They would not comply with my request that any authorizations be revoked.
10/20/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	IL 60625	Web
I called in end of XXXX to pay off my credit card with Total Select. I paid remaining balance, asked for closure and destroyed my card. Now they are saying I never closed it and want me to pay fees accumulated during the time it remained opened and are threatening me with collections. It has since appeared on my credit report. They refuse to give me card number and tell me to look at my statements but I have never received a statement and can no longer log in online. I asked them to look to see that I have not used this card since I assumed it was closed and should see that I paid off balance but they are just making it sound like I am lying. They tell me I need to pay balance which I had no idea I even had since I have received no correspondence whatsoever from them. They just took my money and acted like they closed it simply to be able to charge fees.
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11223	Web
XXXXXXXX XXXX reported late payments on all 3 bureaus. XXXX XXXX reported late payments on all 3 bureaus. XXXX XXXX reported late payments on XXXX and XXXX. XXXXXXXX XXXX reported late payments on all 3 bureaus. XXXX reported late payments on all 3 bureaus. XXXX XXXX XXXX reported late payments on all 3 bureaus. XXXX XXXX reported late payments on all 3 bureaus. DeptedXXXX reported late payments on all 3 bureaus. In accordance with the fair credit reporting act this creditor violated my rights. Under 15USC1681 section 602 states I have the rights to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11223	Web
XXXX XXXX reported late payments on all 3 bureaus. XXXX XXXX reported late payments on all 3 bureaus. XXXX XXXX reported late payments on XXXX and XXXX. XXXXXXXX XXXX reported late payments on all 3 bureaus. XXXX reported late payments on all 3 bureaus. XXXX XXXX XXXX reported late payments on all 3 bureaus. XXXX XXXX reported late payments on all 3 bureaus. DeptedXXXX reported late payments on all 3 bureaus. In accordance with the fair credit reporting act this creditor violated my rights. Under 15USC1681 section 602 states I have the rights to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
04/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 76179	Web
Vervent closed my credit card account because they claim I filed a fraud alert on my account. I assured them that I didn't and they told me to fax a letter stating that I did not file my account as fraud and that it would be re-opened. We went back and forth where they claimed they never received the letter although I had proof that the letter was delivered numerous times. Vervent gave me a new account number. Then closed the new account number as well. Fast forward, they are now reporting 2 duplicate negative accounts on my credit report. One showing as closed and the other is showing as opened. I called them and they told me to dispute it with the credit bureaus. I did and they disputes came back verified. I want these accounts immediately removed from all credit report agencies as they are duplicated and are reporting inaccurately.
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21009	Web
Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of investigation procedure.
07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 324XX	Web
Purchased by another lender & Duplicate account This account has been disputed and removed from XXXX due to the present issue. But still remains on my XXXX and XXXX reports. Inaccurate credit reporting, as the information being reported is not up-to-date and misrepresents the credit history. Failure to accurately report the transfer of ownership. Section 607 of the FCRA requires that consumer reporting agencies " maintain reasonable procedures designed to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In addition, Section 623 ( a ) ( 1 ) ( A ) of the FCRA states that " 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. ''
09/02/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	DC 20001	Web	Older American, Servicemember
On Tuesday, XX/XX/XXXX I called XXXX XXXX and made a final payment of {$510.00} and I requested a paid in full letter. On Saturday, XX/XX/XXXX I received a letter from XXXX XXXX that {$65.00} was charged off, I called XXXX XXXX inquiring about the framing of the letter and it appearing as if only {$65.00} was paid to them on XX/XX/, XXXX XXXX stated that I would have to call back after the Holiday as on one was in the office and they say they can not find any record of my payment top them although XXXX of XXXX XXXX, California confirmed he could see the payment on his end and I had been provided a confirmation number of XXXX and an email ID of XXXX : XXXX, they say they can not find the record and makes it appear as if {$510.00} was not paid to the. The company seems to be conducting fraudulent business practices.
07/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32277	Web
I disputed this on my credit a few times. The first time I made email contact was on XX/XX/2023 requesting an itemized bill, validation of debt with my signature and a fraud packet. They responded on XX/XX/XXXX by XXXX XXXX telling me I would receive a separate email with the fraud information on it. I responded back on XX/XX/2023 letting them know I have still not received it and my credit has been opened the are still reporting. I sent another email today letting them know I still haven't received anything that I requested and they are still reporting to my credit. I've requested and requested and have not receive any information and they are having a negative impact on my credit. I'm trying to clean up my debt that is reporting but I refuse to pay for something that isn't mine. Please help me. Thank you.
05/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	AR 717XX	Web	Older American
I applied for a credit card from Total Visa through the XXXX XXXX XXXX and I have experienced deceptive practices from the payment processing department. On two different occasions I made a payment on my credit card bill and my bank shows the money left my bank account into theirs but it never showed they received it on my account. I suspected fraud the first time with a {$30.00} payment so I didnt really dispute it because I didnt understand and the amount wasnt that high. On XX/XX/2023 I made another payment for {$100.00} to Total Visa via their online app again from my checking account and the payment hasnt posted on my account and Total Visa states they havent received any payment from me. I need their shady actions investigated because as I see it theres a pattern of deception somewhere on their part.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60651	Web
Hello my name is XXXX XXXX im a victim of identity theft..I was XXXX the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless
12/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	NY 117XX	Web	Older American
I changed my address and then my card was " frozen ''. I called to find out why and they told me to fax a " letter '' showing my intent to change the address. I have sent that fax multiple times and then on XX/XX/XXXX, I called and was told I needed to send bank statement and my ID to have the address changed. This was done and the company still says after sending this information three times, that they don't have it. Even when the fax transmission report for all three faxes shows " success ''. I want the " freeze '' removed, if not then I will no longer want this card and will not be paying the balance since I can not use the card and for the primary fact that by not getting my faxes or lifting the " freeze '' I believe this company to not be trustworthy with my personal information.
10/08/2022	Yes	Credit card or prepaid card 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	WV 26508	Web
This has been going on for a few months now and they keep charging me late fees and the balance has gone from {$330.00} to {$380.00}. Apparently theyve also turned me into collections without notifying me of a past due balance. I cut this card up in XXXX after I paid it off, but there were some fraudulent transactions which I disputed ( in writing ) because they refuse to do disputes over the phone. They denied my dispute because whoever used the card knew my zip code Im sorry but I can XXXX a name and get someones zip code. The FCRA has to have been violated here because as I said theyve turned me into collections without even trying to get ahold of me, charged late fees without notifying me, denied disputes on no basis, and reported me to the credit bureaus as delinquent.
07/24/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 70806	Web
I recently had the opportunity to pay off old debt from over 5 years ago ( they were not one of the creditors ) and then I was told that they called me to set up a payment plan but I don't remember doing that yet they keep trying to run the payment through. I'm not sure how they got my debit card number unless they got it from the original creditor. I tried to reason with them but the only response I got was that if I didn't set up a payment plan, they were going to sue me and I should expect a service processor soon. No one gets a heads up of being served. I'm from a family of attorneys. I know how these things work. I have tried to reason with these people but there is no reasoning. They are dangerously close to getting sued for harassment. It needs to stop. Thank you
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53590	Web
FA Peaks just started reporting to my XXXX credit report from an account that was allegedly opened 10 years ago. I do not recall ever having an account with FA Peaks. If there was an account opened under my name at that time, this still can not continue to report on my credit report after 7 years as this is a direct violation of my rights under the FCRA and FDCA. I did call them numerous times and they refused to give me any information on this account, refused to let me speak to a manager then hung up on me. I want this REMOVED from my credit report or I will file a lawsuit with FA Peaks ( who is currently in a class action suit for fraud ) and XXXX for continuing to report inaccurate information. I appreciate your fast and diligent attention to this matter.
04/07/2023	No	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	GA 30906	Web
I applied for this credit card on XX/XX/23. I received an email requesting that I fax in a copy of my ID SS card and a bank statement with my address. I've called multiple times to get an update on the status of my application and always get the runaround. Today the representative at total select said there was no application on file they sent me an email ( which he could not resend or mail actual correspondence ) and stated I needed to reapply and there was nothing else he could. I want an explanation about my application and WHO has my personal financial information. I faxed in my driver 's license, my social security card, and a FULL bank statement. This seems a bit fraudulent since now they can't find my application or answer to why I received an email
10/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 481XX	Web	Older American
On XX/XX/XXXX a Collection Notice was sent to me for the amount of {$36000.00}. I received the letter on XX/XX/XXXX. I called Activate Financial LLC the same day, after verifying that they were a real firm and that this was not a scam. I was told that SS, date of birth, address matched those of the debtor, and that the debt was incurred on XX/XX/XXXX. I assured them that this was not a debt that i had incurred but they insisted it was me and are sending me more information to " jog my memory '' I believe a simple credit search would have cleared this up but that was not going to happen. I have apparently been a victim of Id theft and i hope this is the only Instance. Or this was indeed a scam and I unfortunately gave them some of my personal information.
12/05/2020	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	CA 91103	Web
XXXX I paid off the balance of {$270.00}. I was called rude the rep refuse to provide me with his name and he refused to transfer me to a supervisor. Also, this debt is falsely being reported on my credit monthly as late starting in XXXX of this year. But when I spoke to a representative I was told last contact with me was made in XXXX ofXX/XX/XXXX They have been falsely reporting on time payments, then falsely reported me as late monthly. This has effected my getting qualified for a home loan. I paid it because I was advised by a potential leander to do so but I was treated very bad in the process. I also disputed this debt twice. They also told me 3 different names so that made it difficult for me to pinpoint what school they was collecting on.
12/14/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	CA 945XX	Web
I mailed a check in XXXX from the Title company. It took a month for Total Visa to locate the check and credit payment in full. I also reported the card lost. Total Visa said they would not be replacing my card which was fine. They sent me a letter saying the account had XXXX balance. Then Total Visa opened a new account without my knowledge or permission and began billing me. I paid the bill for a while because I forgot about the letter they sent. They harrased me so much that when I found the letter and compared the account numbers, finding they didn't match, wrote them a letter requesting they correct the records, and issue a refund. and i stopped making payments. Now they have reported this to the credit reporting agencies.
07/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	GA 30294	Web	Older American
On XXXX XXXX, I called the company and wanted to close the account. They said I had to pay the {$6.00} monthly fee. I argued that it was the beginning of the month and I wasn't going to use the charge card anymore. This was exactly the reason why I wanted to close the account because of the monthly and annual fees. The account has no current outstanding balance due, is in good standing and has been paid on time every month ( including monthly and annual fees ) since opening the account in XX/XX/2019. If I have to pay the monthly fee, then I will never be able to close the account because the fee is charged the first of each month and the account will always have a balance due because of the monthly fee.
10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91701	Web
Total Visa sold an account under my name to XXXX XXXX. The information regarding payment history is incorrect. After many failed attempts to get in contact with the company regarding this matter of reporting erroneously on each of my credit reports with XXXX, XXXX and XXXX. Total Visa claims that XXXX XXXX is reporting on my credit but under the wrong creditor name of Total Visa and not XXXX XXXX. I did not even know initially that XXXX XXXX bought the account. Please see attached letter from Total Visa detailing that XXXX owns the account and is responsible for the erroneous reporting on my consumer report. They can not hide who they are and continue to report on my consumer report in a negative way.
11/03/2023	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	FL 32809	Web
Upon reviewing my XXXX consumer credit profile, I noticed a pre approved credit card offer. I took advantage and submitted an application only to be denied. That is false and misleading practices as well as denying a consumer access to their own credit. My application was submitted in good faith and under the impression that I was pre approved. It is my right to be extended credit and not to be discriminated against in any way in accordance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. My SOCIAL SECURITY NUMBER was provided which means there is a consumer credit transaction because there is a consumer involved. Denying me access to my securities is securities fraud.
04/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 34698	Web
To who it may concern, Im addressing this complaint to Total Visa on XX/XX/XXXX my car was broken into my purse was stolen, including my phone my wallet, oh my credit cards, password book everything my entire life on the same day I placed another report with the police besides the fact, but stepped on my identity I tried to let Total Visa know that my card my account is compromised due to the fact that my password book was gone and the credit card was also gone and my phone. Well they decided to close my account after I even reported it to the FTC their report number is, XXXX. I dont feel like I should be punished because Im a victim, identity fact, and that my account got closed. With no warning
11/30/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	UT 84302	Web
Ive been trying to close my account for months with Revi Card. They continue to charge fees and will not close my account. On XX/XX/23 I called and requested the account be closed then XXXX refunded me money back to that account afterwards in the amount of XXXX on XX/XX/23. Ive literally spent HOURS on the phone with them trying to get my account closed and they will not close it and they continue charging my account a monthly service fee. Also I spent 1 hour and nine minutes in XXXX on the phone with a supervisor named XXXX who said the issue was resolved and they mailed me a check, yet I havent received it and they continue to charge fees to my account and keep telling me its closed.
09/14/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	AZ 85704	Web
I would like these accounts deleted off my credit reports and closed once and for all. I did not open them. I have filed a police report, that is all I have to do under FCRA and FCDPA fraud law. Per that law you have 15 days to delete this off my reports after receiving a police report documentation. If not I am entitled to {$1000.00} per fraudulent entry you continue to allow to report after that day knowing you had a valid police report. This is not a request for investigation. This is a request for deletion and to case all collection activity as per the law under FCDPA and FCRA. This information must be deleted from my report or I will have to see you in court for those damages above.
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30135	Web
I was doing my regularly credit report check and noticed that there was a strange account from XXXXVERVENT SECURE CARD on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The inquiry date is XX/XX/2022. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.
11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33647	Web
After reviewing my credit profile on XX/XX/2023\| identified a discrepancy with account listed under XXXX XXXX XXXX XXXXXXXX total visa and a letter was sent on XX/XX/2023 requesting 3 items.I have not received any correspondence from this creditor to validate this account. I've also included a cease and desist in the letter but there have been no updates and the account is still reflecting on my report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.I do not believe the account belongs to me.
06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30141	Web
Re : Intent to Sue under 15 USC 1681n and Non-compliance with 15 USC 1681i I write to you with a heavy heart and intense frustration due to the recent findings surrounding my account. I am writing this formal letter to notify you of my intent to initiate legal action against Total Visa for the violation of my consumer rights under 15 USC 1681n and 15 USC 1681i. Despite my diligent attempts to resolve these issues directly with your company, my efforts have been met with disregard and neglect. I find myself left with no other option but to seek legal counsel and involve the XXXX State Attorney General due to the continuous violations of my rights as a consumer.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MA 016XX	Web
In XX/XX/2022, I sent a dispute letter to XXXX access/XXXX requesting validation of an alleged account placed on my credit report. As of XX/XX/2022, the creditor did not provide validation of the account, nor did they mark the account disputed. In accordance with the FCRA and FCDPA, creditors are obligated to provide accurate documetation of validation of the account upon request from the consumer and they must update the account status to disputed. As of XX/XX/2022,XXXX access/XXXX has done neither. This actions of noncompliance with federal law are in violation of my consumer rights ; which can incur a fine of up to {$1000.00} per infraction.
08/20/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32216	Web
I OPENED A CREDIT CARD WITH REVVI, DID APPLICATION, PAID THE FEE, AND WAITED FOR CARD. A FEW MONTHS GO BY ... NO CARD, NO BILL SO, I CALLED EM TOLD EM WHAT I DID THEY ARE LIKE U OWE ANOTHER MEMBERSHIP FEE, I TELL EM WHEN I SEE A CARD GREAT I'LL TAKE CARE OF THIS. WELL ITS BEEN ABOUT A YEAR AND IM CHECKING MY REPORT. THEYVE GOT A 30 DAY LATE PAYMENT ON MY ACCT. IVE CALLED A FEW TIMES ABOUT IT DISPUTED ONLINE, NO LUCK. I JUST STUMBLE UPON THIS STATEMENT WITH THE WRONG ADDRESS ON IT. I CAN GET THAT LATE PAYMENT DELETED CORRECT, I DIDNT EVEN SEE THE CARD UNTIL XX/XX/2023 XXXX WAS LIKE XX/XX/XXXX. INACCURATE INFO HAS TO COME OFF ILL UPLOAD DOC.
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48210	Web
The balance on this account is not reporting accurately. The only payment terms that are in agreement with XXXX, is to ONLY pay the {$300.00} line of credit that was origianally extended to me. Somehow the balance increased to double the amount that was agreed upon. This account is now reporting fraudulent information abount me. I want this account deleted immediately. This account status should be " OPEN '', and paid as agreed. HOW CAN These credit reporting companies can report fraudulent information without penalty? Late payments for this account can not be reported for any closed account on a consumer 's credit report.
11/10/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	PA 19047	Web
As of my last ability to contact Peaks Loan ( powered by first associates ) I had a balance on my account XXXX of {$3300.00}. I have been trying to receive payoff information or account information as my loan was under the predatory institution XXXX XXXX XXXX but the phone number XXXX is no longer active. I can not log into the site. I attempted to call the only working number for the portal account ( after clicking " My Account '' ) on XX/XX/2021 at XXXX and was told my loan was changed and given the peaks disconnected number again. When I told them the number did not work they gave me the number for CFPB ( XXXX ).
04/13/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	CA 94803	Web
I was a student at XXXX XXXX XXXX. In XXXX, Massachusetts Attorney General XXXX XXXX sued XXXX XXXX XXXX for allegedly " misleading and harassing students. On XX/XX/2016, XXXX XXXX ceased operations and closed all of its locations, issuing a statement that attributed the closing to the Department of Education 's actions. Student Loan Companies : ACTIVATE FINANCIAL , LLC XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX General Correspondence and Submitting Documents : XXXX - XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX California Residents : XXXX. XXXX XXXX XXXX, XXXX XXXX
08/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	UT 84043	Web
I made a payment of {$300.00} to pay off the balance. They have not applied that payment yet and will not show my available credit correctly. I tried to contact them about this issue and was told I can fax in proof that it had cleared my bank. I then asked if I could email it as I don't have a way to fax it cause who uses fax any more. They said yes but they can't grantee that they will be able to get it of apply it from the email. I just want my account updated correctly so I don't get charged the XXXX XXXX interest rate. I pay this off as soon as I can to keep from paying this huge interest amount.
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 91350	Web
Hello Revvi Credit Card showed up on my credit report in XXXX and i immediately disputed the account because I never opened a credit card with Revvi or any other creditor this year. Contacted Revvi, was placed on holds, transferred around, explained I never opened this account close it immediately they told me I would need to fill out paperwork, never received paperwork called them back and they kept disconnecting my call saying without the paperwork they can not help me. Ive disputed this with all XXXXXXXX, XXXX and XXXX, and it keeps coming back verified but that is false.
10/21/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 30082	Web
Not my debt. I am not the person from whom they are attempting to collect debt and have made that abundantly clear. Activate Financial agents have ignored my requests 4 times to remove me from their database. I have mentioned to agents that they are now harassing me and that I will report them to national Do Not Call Registry. This has gone unheeded. Over past months, I was receiving a call every few days from company. Since telling them I will report them to Do Not Call registry, I now receive 1 call each day around XXXX to XXXX from Activate Financial XXXX.
11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75056	Web
I have late payments showing on my credit report with my XXXX XXXX XXXX credit card from XXXX and XX/XX/. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30141	Web
I am in receipt of your response to my complaint on XX/XX/2023. Please be advised that the response did not provide full details of the account, nor was the pertinent information that was said to be listed, listed. Furthermore, in response to the statement, Your complaint did not identify what inaccurate information you believe is reporting and we were unable to investigate further, Please note, that I am fully aware of my rights as a consumer and the role of the furnisher during an investigation to provide the requested documentation pursuant to the FCRA.
09/10/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	MN 55343	Web	Servicemember
I am requesting that XXXX REVVI CARD immediately close my REVVI Card Visa Credit Card Account. I dont want the REVVI Card Credit Card Account. I want the account immediately close and I want REVVI CARD to delete and remove my personal information from their records database. Additionally, I want REVVI CARD to send notification to XXXX XXXX, XXXX and XXXX to have XXXX XXXX, XXXX and XXXX to immediately delete and remove the REVVI CARD Visa Credit Card Account from my credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/, SSN : XXXX
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30274	Web
I am writing to dispute the following information in my file. I recently received a copy of my credit report and noticed there is an unauthorized credit inquiry made by the company XXXX XX/XX/2021. To my knowledge, i have not signed any documents authorizing the company in question to view my credit report. this listed inquiry was without authorization, and for no legitimate business reason. Finally, I am requesting that it will be removed immediately from my credit report according to the provisions of 612 ( 15 USC 1681 ).
08/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	FL 32725	Web	Servicemember
I contacted First Access Card about a late charge on my account on XX/XX/XXXX and told them to close my account because they are charging late fees monthly pulling money out of me. I was told my account would be closed. I received an email on XX/XX/XXXX about a payment due after I advised this company to close my account. I logged into the website and found that the account was still active and they charged another late fee after I said to close the account. I want the late fees refunded and the account closed immediately.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64134	Web
This company is in violation on my consumer right that don't follow the FCRA laws. This company reports yo the credit bureaus telling them they verified the account which shows there has been no correct updates to to show that the account been verified. I also can show that the debt they referring to was transferred to another lender so how could that account be verified and still showing on my credit file. I have proof of many descriptions showing the misleading information they continue to report on my credit file.
07/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 78704	Web
I called the credit card company Total Visa in XXXX. It gave me a pay off amount of {$300.00}. I paid the amount to pay the card off in full. I did not receive a statement for XXXX. Then I get an Email saying it's over due & I owe almost {$100.00}. I call they tell me that I owed {$19.00} for the month of XXXX & it was due XX/XX/XXXX. But how can that be when I paid the pay off amount due in XXXX before the Cut off. And how dies {$19.00} turn into almost {$100.00} in a matter of days & I haven't gotten a bill?
09/07/2023	Yes	Credit card 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	FL 334XX	Web
I had fraudulent internet charges on credit card account without even physically having the card for 6 months. I notified company and requested immdeiate dispute and closure of account. Company reversed charges but did not close account. New fraudulent charges ( XXXX $ ) were made on same account I requested closed. Upon receipt of invoice I again disputed fraudulent charges and to again close account. I received new invoice today for over {$200.00} on closed account. Company will not correct their error.
12/19/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77385	Web	Servicemember
XXXX XXXX - {$2100.00} - XX/XX/2014 {$4300.00} is the amount now and shows late payments. The company has this on my credit file, I never went to school or got a loan from this company. I file a police report stating I did not receive money from school and that it was identity theft. I asked for proof of debt, signature of paperwork, school attended, I have yet to receive anything showing proof. Please help resolve as the next step would be to start legal action with XXXX and XXXX reporting companies.
04/01/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	VA 23185	Web
I went to XXXX XXXX XXXX and I had to take out a loan for Petes private student loan services for {$16000.00} in almost {$17000.00}. Peaks private student loans and XXXX were sued and were obligated to refund and withdraw all the loans to all of the students who took out loans with them. I have not received any information from peaks private student loans or from XXXX in regards to my loan being dismissed and withdrawn I would like to have that information in writing. Can you please help me with that?
11/09/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	SD 575XX	Web
Total visa credit card has not help much on anything of my concerns, problems, then today I get notified my account was added to my credit report when the card was opened in XXXX of this year. Total Visa won't change their attitudes, mood towards me, helping, won't add my phone number to account. They think I need send a letter to XXXX XXXX address. Seems strange, most companies can update info thru passcodes, or email verification! I'm had My last string, so that's why I'm reporting them
04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91701	Web
XXXX XXXX and Total Visa are reporting inaccurate and incomplete information on my consumer report. I have disputed with the all 3 credit reporting agencies in XXXX XXXX XXXX and the erroneous information has been verified as accurate on both accounts. I have attached my intent to file arbitration letter per XXXX XXXX ' and Total Visa 's contract. The letters have also been sent certified mail to XXXX XXXX and Total Visa to serve as notice of my intent to file a demand for arbitration.
06/16/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29405	Web
XXXX XXXX XXXX has reported false and incorrect information on all 3 credit reports, this is unprofessional for a company to falsely reported incorrect information on my credit report, I would like to have this false incorrect information to be removed from my credit report. The credit card was closed on XX/XX/XXXX with REVVI, I haven't opened any account with XXXX or REVVI on XXXX I don't understand why this company would report incorrect information knowing that's its false.
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web
I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me. please remove this account from my credit report.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33604	Web
THIS COMPANY HAD CHARGED -OFF XXXX OF MY ACCOUNTS BUT FAILED TO SEND ME A XXXX FORM. ONCE THIS COMPANY LISTED THIS ACCOUNT AS A CHARGE OFF, THEY FAILED TO PROVIDE ME WITH A 1099-C FORM. THE FLORIDA STATUTE OF LIMITATION ON THIS DEBT IS XXXX YEARS STARTING FROM THE DATE OF MY LAST PAYMENT. THIS COMPANY NOT ONLY CONTINUED COLLECTING ON AN INVALID DEBT BUT SOLD THIS INVALID DEBT TO NUMEROUS CLLECTION AGENCIES WELL PAST THE STATUTE OF LIMITATION FOR COLLECTING ON THIS DEBT.
08/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29414	Web
This debt does not belong to me. I have attempted to resolve this with 1st Access. This is ridiculous. The account is reporting late payments for XX/XX/2023, yet it is also reporting that the account was closed. This is an indication of my personal information being mishandled. I demand proof that this account belongs to me. I am requesting a written and signed contract with my signature. If not provided, this account must be removed from my credit file immediately.
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 314XX	Web
This Person ( XXXX XXXX XXXX XXXX /Total Visa ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XX/XX/2023-XX/XX/2023 furnished to my consumer report I did not give written permission to.
09/29/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IA 522XX	Web	Servicemember
This company takes payments via debit card and then illegally holds that money for several weeks claiming they need to 'verify ' funds even though they have had those funds for weeks. They place additional random and wholly illegal holds on the card preventing the cards use This bank is shady at best. Their customer service personnel are not from the U.S. and are of no help, constantly citing bank 'policy ' as the reason for the illegal practices.
08/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 77092	Web	Servicemember
Total Card XXXX XXXX XXXXi charged off my card without giving me an opportunity of arbitration per our contractual agreement due to discrepencies and payments. They wrote off the debt for {$510.00} and reported the charge off to the credit bureaus, then later sold the debt to XXXX XXXX. They are both reporting me as delinquent for the debt. The debt should have never been write off or sold without arbitration when the debt amount was in dispute.
08/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77006	Web
There is charge off account from first Associates that appears on my credit report. I do not know what this account is and I have called the company and requested a copy of the agreement/contract and nothing has been provided to me. I have attempted to dispute this with the credit bureau but they ultimately say the company provided documentation. I want to see what documentation is being provided so that I can understand what this account is.
10/30/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	NC 27577	Web
Peaks loan company was giving out fraudulent loans for XXXX XXXX. Now all loans are being forgiven because of the fraudulent practices of Peaks loan scam. Huge amount of people defaulted on these loans, I was paying them off over XXXX . I asked for a refund because fraudulent school loans are suppose to be paid back. They refused to send my refund and sent me a link to contact you. How do I get the over XXXX $ they stole from me back?
09/29/2023	Yes	Credit card 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	FL 32792	Web
On XX/XX/2023 I made a {$41.00} payments for the XX/XX/XXXX due date with Total Visa. They requested I send proof of cleared payment. I have sent numerous documents including a letter from my bank confirming the payments cleared. They keep saying that its not suitable. They have requested a statement but thats not available until the first of the month. They have add a late fee to my account as well while Im trying to resolve this matter.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43224	Web
Looking over my credit report I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). Following accounts : -XXXX XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX XXXX XXXX # XXXX
11/13/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OH 44107	Web
I did not receive a notice of right to dispute from Total Visa for Account # XXXX. According to the FDCPA, " RIGHT TO DISPUTE THE DEBT : Within 30 DAYS of receiving notice of the debt from the debt collector, you can send a letter to the debt collector disputing the debt and requesting the name and contact information of the original creditor. The debt collector must stop all debt collection activities until it can verify the debt. ''
10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07104	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
10/11/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	FL 34997	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604 A section 2 also states that the consumer reporting agency can not furnish my account without written instruction under 15USC 1666B A Creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 762XX	Web
In accordance with The Fair Credit Reporting Act Total Visa, has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B ; A creditor may not treat a payment on a credit card account under an open-end Consumer Credit plan as late for any purpose
10/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web
I have disputed this negative account on my credit reports due to identity theft multiple times. The company is stating that this account belongs to me and verifying that its mine from a checking account payment that does not belong to me as well. My personal information was used by someone other than me for financial gain in any and every way possible. I have been working to repair the extreme damage they have caused me.
02/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NC 27526	Web
XXXX makes it so that automatoc payments scheduled for the min due date post late and consumers incur crazy interest payemnt like {$80.00}. They have reporter a late payment to my credit report and when Ive asked to settle this and close my account in exchange for them removing this from my credit report they asked me for {$800.00}, but my account balance is only {$360.00}. Please make this company do the right thing.
01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 91945	Web
I use XXXX XXXX XXXX and was notified that someone used my info and credit for a hard inquiry to this company : XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX when i tried to call the number a few times and left messages I got no return calls back. I need to file this dispute with FTC so that I can fw the request to XXXX to have the inquiry removed. I have since froze my credit until I can get this rectified.
05/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60634	Web
in accordance with the fair reporting act this creditor, has violated my rights, under 15USC1681 section 602 states i have the right to privacy, 15USC1681 sect 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
02/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37130	Web
Activate Financial sent me an email of debt there trying to collect, I sent in a validation letter and I have not received any information per the letter I sent, they did however sent a letter stating that they have determined not validate or verify this account, by law it is my right to verify and dispute what is not accurate and they failed to do so and I DO NOT want this account reporting on my credit profile
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 334XX	Web
Please consider this as my formal complaint to the XXXX XXXX for allowing the fraudulent account and for not taking corrections on my credit report. I have filed FTC report with the identity theft report number XXXXThey allowed the fraudulent account to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent account is still reflected on my credit report.
12/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
Vervent Inc. XXXX XXXX XXXX XXXX XXXX, CA XXXX phone : ( XXXX ) XXXX Acct # XXXX Balance {$5200.00} status : open Date XXXX Balance update : XX/XX/2022 I have disputed this account several times to all XXXX bureaus. XXXX deleted the account on XX/XX/2022 and now it has returned to my credit report. I have never heard of this company. Nor have I signed any financial agreements for education from this company.
04/24/2021	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33130	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92374	Web
I am a victim of identity theft. I am requesting inquiries to be deleted off my report as they are unauthorized and not made by me. I have attached supporting documents then my identity has been stolen and I am in the process of recovering and clearing it out.I have reports from XXXX XXXX XXXX also froma submission sent in to the FBI about my accounts getting hacked and stolen funds.
06/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33772	Web
This company has multiple accounts on my credit report. I found out that this company is a credit card company but has XXXX different account numbers. I tried disputing with the company that I never opened an account with them. They said that they would investigate it and send me a letter within XXXX days. I haven't received a letter nor a call back. It has been XXXX months now.
05/29/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	NC 28451	Web	Servicemember
Revvi closed my account a few days after I paid {$200.00} to come current, which I had to find out through my credit report. They are still charging me late fees interest and reporting late payments to the credit report agencies. Also didn't click it earlier but I did have to pay a fee to activate the card I can not remember the amount exactly I think it was {$80.00}.
04/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84095	Web
Vervent is report a debt on my credit file that I do not owe. I recently checked my credit and noticed that this debt is still reporting on there but I have received letters stating this debt isn't owed and that they would be removing all negative information from my credit file. This account however, continues to report on my credit. This must be removed immediately.
06/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92123	Web
I closed this account Total Visa paid it off in full, then they added extra card charges never received or asked for any, anual fee, and late charges because of these fradulant charges. The account was closed and paid off im not responsible for these fraudulant fees charges they continue to damage my credit profile I will sue them for all of these damages.
04/30/2020	Yes	Student loan Private student loan	Getting a loan Denied loan	IL 600XX	Web
I spoke with Peaks on the phone and they stated they didn't need to mail me any documentation. they informed me that all they are required to do by law is provide the credit bureau the default. I wasn't provided any information regarding the default until I spoke with XXXX and they saw this information online. It is only shown on my XXXX but not XXXX.
07/26/2021	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	SC 29650	Web
I have asked this company to send me details about this collections account by email or mail but have received anything but multiple calls a day everyday even after I have asked them to stop. When I do return the call, they wont give me any information without an account number ( which I do not have ) but they expect me to verify personal information.
11/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30305	Web
I have been getting emails from Revvi credit card about a debit that I owed that was due to fraudulent activity and stolen identification And they said that I was responsible for the debit even though my correct address is not the address they have for the account they said is mine. And I request that this be removed from my credit report immediately
07/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MN 55343	Web	Servicemember
Attached is a letter from XXXX XXXX Notice of Data Breach regarding my personal information being compromised. The following account is not my account and is a result of data breach, identity theft and fraud : XXXX XXXX XXXX XXXX, {$320.00}. I did not apply for the account with XXXX XXXX XXXX Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
04/13/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	IL 60563	Web
I lost my job during Covid and took sick now on XXXX and now Im getting threading calls stating legal action will be taken as if Im going to jail their calling family members and friends about my personal business and I informed company its harrssment calling more then 3 times a day and calling everyone that might know me when they did a skip trace
06/16/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29405	Web
Revvi Credit Card Closed my account on XX/XX/XXXX, I recently received an alert from all three Credit bureaus that I just opened up an account with them on XX/XX/XXXX, this is unacceptable and unprofessional for this company to report incorrect and false information on my credit report, I did not opened any account with this company on XX/XX/XXXX.
03/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77406	Web
I am in the process of buying a home and my lender made me aware that this account showed up. I am in no way aware of this company and furthermore who they are. I DO NOT HAVE A DEBT WITH THEM! I HAVE NEVER HAD A DEBT WITH THEM AND I OWE THEM NOTHING! Please REMOVE this account IMMEDIATELY so that I may successfully continue my buying process.
07/03/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 75052	Web
Vervent/XXXX is reporting twice on my credit report. This company is reporting inaccurate information. The balance is incorrect, the Date of Last Activity reports different dates with all bureaus. XXXX XXXX XXXX XXXXXX/XX/2020. This account is also XXXXXXXX XXXX XXXX XXXX which is also reporting a different date of last activity XX/XX/2020.
12/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	WV 247XX	Web
15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose
04/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 79938	Web
I sent a validation dispute to company to provide me proof of late payments which i have yet to receive payments were never late instead company added late payments for XXXX and XX/XX/2021 as 60 and 90 days late when it was current I am asking for these payments to be marked " payments never late '' as they never where late thank you
10/07/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	FL 33169	Web
REVVI/XXXX XXXX XXXX : XX/XX/2023 Balance : {$440.00} Balance updated : XX/XX/2023 charge off ( illegal reporting ) ( incomplete ) Fraudulent account open without my consent I DID NOT OPEN THIS ACCOUNT - someone using my information to obtain credit cards and commit fraud by using a third party debit card to achieve credit cards.
10/18/2023	Yes	Credit card 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	MI 493XX	Web	Older American
XXXX - Due to the incompetence of Total Visa, my card was charged an amount of XXXX, I pointed this out to them, and they began an investigation but, in the meantime, instead of fixing the problem, on my account, they kept charging me overdraft and other fees which I think was wrong, they placed me in a terrible situation.
12/06/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	MD 21204	Web
VICTIM OF IDENTITY THEFT. ALL PERSONAL INFO EXPOSED IN MULTIPLE DATA BREACHES. TOOK PART IN CLASS ACTION LAW SUITS AND HAVE BEEN COMPENSATED. A POLICE REPORT, A IDENTITY THEFT AFFIDAVIT SIGNED BY LAW ENFORCEMENT AND FTC REPORT HAVE ALL BEEN SUBMITTED. I HAVE DISPUTED THE ACCOUNTS THROUGH THE CREDIT BUREAUS TO NO AVAIL.
05/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AZ 85331	Web
I have made a previous complaint under XXXX to XXXX of XXXX regarding a credit card that was paid off to them in XXXX. They informed me they sold the debt to XXXX XXXX XXXX XXXX and the account was serviced by XXXX. This account should show as paid in full. The last balance was {$180.00} XXXX of XXXX and this was paid.
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19426	Web
My information was used fraudulently to apply for several different things that I did not authorize. These companies include XXXX XXXX XXXX XXXXXXXXVervent and XXXXVervent. On XXXX I called XXXX and they advised that there were no applications in my name or SSN, however there are hard inquiries on my credit reports.
12/15/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	CA 949XX	Web
When trying to close my credit card account, I was put on hold for a significant period of time while the operator tried to find " supervisor '' who was apparently the only one that could close my account. I was on hold for over an hour with the operator coming on every few minutes to make sure I was still there.
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19426	Web
My information was used fraudulently to apply for several different things that I did not authorize. These companies include XXXX XXXX XXXX XXXXVervent and XXXXVervent. On XXXX I called XXXX and they advised that there were no applications in my name or SSN, however there are hard inquiries on my credit reports.
02/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	GA 30339	Web
The following creditor referenced below is reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft. XXXX XXXX ACCT NO : XXXX
06/03/2021	Yes	Student loan Private student loan	Incorrect information on your report Account information incorrect	MI 497XX	Web
I had student loans through XXXX XXXX. They closed and the lawsuit states that I'm no longer responsible for these loans. I reconsolidated the loans through XXXX and they will not discharge them until the Department of Education tells them to. These are still showing on my credit report as me owing.
05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48186	Web
Ive received a email from XXXX stating a new inquiry was made from vervent/XXXX on XX/XX/XXXX. I DID NOT apply for credit. After seeing this inquiry, ive noticed this same company inquiry on XX/XX/XXXX. This is fraud activity. I do not have accounts with this company. Ive never applied for credit.
12/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32277	Web
My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.
07/14/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 79928	Web	Servicemember
On XX/XX/2023 this company contacted a relative via text message and disclosed personal information about a debt. They have previously sent text messages to various relatives threating lawsuit and using other scare tactics all while disclosing my personal information to non interested parties.
08/22/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	MD 20705	Web	Servicemember
I missed a payment on my card and the collections department began calling the day after the due date. On XX/XX/2023 they left a message on a message identifying themselves as a Debt Collector. I believe this disclosure without verifying who they were talking with violates the FDCPA
10/20/2023	Yes	Credit card 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	MN 55343	Web	Servicemember
Attached is a letter from XXXX XXXX for proof of payment of my First Access credit card account. I have sent payment to First Access Card and paid my balance in full. My closed First Access credit card account is paid off. Full Name : XXXX XXXX XXXX, XXXX : XXXX XXXX : XXXX
05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48239	Web
XXXX XXXX said theyd make a one time exception for the missed payment due to the bank era with XXXX in switching over. It was completely out of my control. I am trying to purchase a house and because of this I wont be able to until XX/XX/2022 at earliest. Please help.
12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	ID 838XX	Web
I did not authorize this account and did not open this account. Please repair my credit report immediately. I have a sister with the same birthday who may have been compromised because she also had tax fraud from XXXX by an unknown person. I believe this is fraud.
12/02/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MI 493XX	Web
I am owed a lot of money back as a refund for all my student loans due to the XXXX XXXX XXXX suit and when trying to call Studnet CU Connect to update address for my refund with them there number says not in service and I want my money back that they committed fraud
05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98531	Web
I Im working with lextion law credit repair people and yesterday the XXXX XXXX XXXX just showed up on my account says I owe them {$390.00} Im still waiting to hear back from this bank I never gotten anything in the mail from them saying I owe them money
10/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA XXXXX	Web	Servicemember
I contacted this company in XXXX & XXXX regarding this account being fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX. The company agreed to remove the account only to find out it was sold to a collection agency XXXX XXXX XXXX. Fraud report was provided
10/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92374	Web
I have a list of companies that have run inquiries on my name that i did not authorize nor have no knowledge of until. I am a victim of identity theft and have rights as a consumer. I have docs to provide the status of being identity theft victim
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI XXXXX	Web
I called revvi credit card company on XX/XX/2023, spoke to 2 different representative ask them how my payment was late and that I made my payment on time. The representative said he didn't see what I was talking about and I need to dispute it.
02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
I contacted the company to notify them that a fraudulent inquiry was made in my name, and that it is reflecting on my credit report and I would like it removed. They notified me that it would and its been well over 60days with no results
07/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19151	Web
I've disputed this account directly with XXXX several times and also supplied an FTC report. This account does not belong to me. I've never taken student loans out with this company. I believe this information belongs to someone else.
10/20/2023	Yes	Credit card 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	MN 55343	Web	Servicemember
Attached is a letter from XXXX XXXX for proof of payment of my REVVI Card credit card account. My closed REVVI Card credit card account is paid as agreed and in full. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
07/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	MN 55343	Web	Servicemember
I been waiting to receive my new REVVI Card credit card for over 2 months. I still havent received my new REVVI Card credit card with my credit limit of {$300.00}. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, XXXX : XXXX
06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 270XX	Web
I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exist.
11/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 485XX	Web
TOTAL VISA/XXXX aka Total visa 1 charged off the debt so they got paid for it 2 they have my balance wrong how I owe almost XXXX dollars and the card was XXXX limit. Also, other information is incorrect.
06/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32221	Web
I want this company to cease all communications written, verbally, as well as reporting to my consumer report as it is also considered a form of communication per United States code 15 subsection 1692C.
10/09/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	NC 270XX	Web
My name is XXXX XXXX I've been fighting id theft for years I do not own a credit card I filed a dispute but was told account is valid I do not live in XXXX XXXX I live in XXXX XXXX and XXXX before that
08/26/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	IN 47201	Web
My soon to be ex-wife took out several credit cards and loans out in my name and left me with about {$30000.00} worth of debt that collection agencies are trying to get me to pay, and ruined my credit.
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90277	Web
This account is not mine. This is not my legal name and this company has unlawfully been ruining my credit. They don't have my signature and I never received any documentation stating I had an account
09/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 22630	Web
on my XXXX credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows charged off account when i called them they have no records of me having this account they will not remove it from my credit report.
10/19/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	FL 32738	Web	Servicemember
Was charged late fee on XX/XX/XXXX when pursuant to ketter I received ( see attached ) shows I am not supposed to be charged late fees of any kind while on program until XX/XX/XXXX 2024
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90047	Web
I viewed my reports and noticed items that weren't mine. I haven't applied for credit with XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 90047	Web
I viewed my reports and noticed items that weren't mine. I haven't applied for credit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IN 46256	Web
I just noticed a hard credit inquiry from Revvi Bank on XX/XX/2022. There was no direct benefit or authorization for Revvi Bank to access my personal information.
06/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	CT 065XX	Web
I have called Total Visa credit card company to close my account and send a final bill. Instead they continue to keep it open to tack on additional fees
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19401	Web
On XX/XX/13 the following companies performed hard credit checks on me without my consent. XXXX/VERVENT-REVVI ( Finance ) XXXX XXXX XXXX XXXX XXXX
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93705	Web
Im a victim of identity theft due to XXXX data breach. Several credit cards where opened in my name and shipped to address Im not associated with.
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93705	Web
Im a victim of identity theft due to XXXX data breach. Several credit cards where opened in my name and shipped to address Im not associated with.
07/21/2023	No	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	WV 25177	Web
XX/XX/23 was 2 hours late chargedXXXX late fee by Revvi I called to get the late fee took off said no ask speak to supervisor said no too
02/21/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	IL 60611	Web
Online portal to repay loan is not working. They have no alternative suggestions on the website and customer service is not responding.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85132	Web
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY.
10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85132	Web
I noticed some unauthorized inquires on my report and in accordance with the FCRA I'd would like to have them removed IMMEDIATELY.
01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 76904	Web
I am showing recent hard inquiries that I am not familiar with.I believe someone may have made these inquiries without my consent.
08/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22191	Web
XXXX - called letting them know I have no knowledge of these accounts and they didnt do anything. {$600.00} & {$420.00}
05/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 150XX	Web
this account doesn't belong to me a guy by the named XXXX XXXX stole my identity and made this account its not mines
08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33411	Web
XXXX XXXX disputed for balance of XXXX never removed XXXX disputed balance but didnt remove for XXXX
11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 27565	Web
I never authorized these 3 companies the rights to pull my credit. I don't recognize any of them.
09/06/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29710	Web
I have received several phone calls and text messages about late payments, several times a day
09/14/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29710	Web
I received several phone calls and emails about my late account, please see letter attached
07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA XXXXX	Web
Hello this application was withdrawn please have this removed! I also have proof if needed
04/23/2023	No	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	DE 19963	Web
They take it out of my paycheck as a wage attachments. They say I owe over XXXX dollars.
10/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NC 28144	Web
I did not authorize company to run my credit this is fraudulent 15US CODE 1681c2
06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28215	Web
I've already submitted my police report on the fraudulent accounts to be Removed
11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30305	Web
These companies were not authorized to run these inquiries. Please remove
07/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NC 28210	Web
Getting charged late fees on my account when my account is on auto pay
06/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75602	Web
they are still on my credit report they will not take them off
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 19013	Web
I have submitted disputes it has taken longer than 30 days.
06/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30034	Web	Servicemember
I did not authorize the hard inquiry of my credit profile.
05/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31406	Web
Multiple credit card accounts open and used under my name
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60473	Web
There are unauthorized businesses on my credit report.
06/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NJ 088XX	Web
Fraudulent account reported to XXXX, XXXX and XXXX
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CT 06051	Web
I did not authorize this company to use my credit
06/10/2022	No	Student loan Private student loan	Incorrect information on your report Old information reappears or never goes away	TX 77047	Web
Student loans still showing on credit
04/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33880	Web
Unauthorized hard inquiries
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38016	Web
Late payment corrections
10/23/2023	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	TX 77449	Web
High interest rates
01/29/2024	Yes	Credit card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	GA 30032	Web

01/26/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OH 43085	Web

01/25/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Charged too much interest	CA 95815	Phone

01/25/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	CA 94102	Web	Servicemember

01/25/2024	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Information belongs to someone else	CA 94102	Web	Servicemember

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75056	Web

01/24/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	GA 30248	Web	Servicemember

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40207	Web

01/22/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	WA 98203	Web	Servicemember

01/22/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MD 21221	Web

01/22/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 278XX	Web

01/19/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	GA 30013	Web	Servicemember

01/17/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web

01/17/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web

01/16/2024	Yes	Credit card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	SD 575XX	Web

01/16/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 334XX	Web

01/11/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33030	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08734	Web

01/10/2024	Yes	Credit card General-purpose credit card or charge card	Fees or interest Problem with fees	WA 983XX	Web	Servicemember

01/09/2024	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	FL 33056	Web

01/06/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90013	Web

01/06/2024	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	TX 77083	Web

01/05/2024	Yes	Credit card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TN 37043	Web	Servicemember

01/04/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web

01/04/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 76522	Web	Servicemember

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40272	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 741XX	Web

01/02/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30067	Web

01/02/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77009	Web

12/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27577	Web

12/26/2023	Yes	Credit card 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	MD 21221	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45371	Web

12/25/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Delay in processing application	CA XXXXX	Web

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60608	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75070	Web

12/22/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92123	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93705	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93705	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 65768	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29209	Web	Servicemember

12/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30067	Web

12/16/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	WY 82009	Web	Older American, Servicemember

12/15/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	AZ 857XX	Web

12/15/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	FL 33181	Web

12/15/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	AL 36567	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77494	Web

12/14/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OK 73135	Web	Servicemember

12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60098	Web

12/10/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	WY 82009	Web	Servicemember

12/10/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Can't close your account	WY 82009	Web	Servicemember

12/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85020	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web

12/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60098	Web

12/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30067	Web

11/27/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	PA 19473	Web

11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85710	Web

11/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30294	Web

11/27/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CO 80205	Phone	Older American

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

11/20/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33314	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 44112	Web

11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48186	Web

11/20/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OH 43209	Phone	Older American

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	ID 83858	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75234	Web	Servicemember

11/11/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MN 55343	Web	Servicemember

11/11/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	MN 55343	Web	Servicemember

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33435	Web

11/08/2023	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	TX 77536	Web

11/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48393	Web

10/31/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32726	Web

10/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70785	Web

10/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48116	Web

10/21/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	OH 44119	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90813	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 48187	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 49187	Web

10/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI 49187	Web

10/09/2023	Yes	Credit card General-purpose credit card or charge card	Closing your account Company closed your account	NC 27028	Web

10/05/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44119	Web

10/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 35054	Web

09/27/2023	No	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60621	Web

09/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76179	Web

09/22/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33030	Web

09/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77290	Web

09/17/2023	Yes	Credit card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	OH 44119	Web

09/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07003	Referral

09/14/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	TX 78245	Web

09/13/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	SC 29488	Web	Servicemember

09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60409	Web

09/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45214	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19604	Web

09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44128	Web

09/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OR 97024	Web

08/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Privacy issues	TX 78245	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48239	Web	Older American

08/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CA 95134	Phone

08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77067	Web

08/12/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 92105	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46118	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46118	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46118	Web

08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46118	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94503	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90007	Web

08/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 90403	Phone

08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30152	Web

07/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60651	Web

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23242	Web	Servicemember

07/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Can't close your account	GA 30294	Web	Older American

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92127	Web

07/12/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 34761	Web	Servicemember

07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29223	Web	Servicemember

06/30/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TX 78624	Web

06/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92374	Web

06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 92373	Web

06/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account status incorrect	VA 23452	Web

06/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60629	Web

06/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	GA 30344	Web

06/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 94103	Web

05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90015	Web

05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60623	Web

05/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60623	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IL 60623	Web

05/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75169	Web

05/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93534	Web

05/19/2023	Yes	Credit card or prepaid card 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	TX 75208	Web

05/18/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IL 60644	Web

05/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MT 59923	Web	Servicemember

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95823	Web

05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 90045	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85043	Web

05/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	IL 60484	Web

04/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	MS 39564	Web

04/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85041	Web

04/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30092	Web

04/27/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	GA 31210	Web	Older American

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OK 74134	Web

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75035	Web

04/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46123	Web

04/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92555	Web

04/25/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	PA 19057	Web

04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64119	Web

04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32221	Web

04/11/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CO 80601	Phone	Older American

04/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35054	Web

04/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27614	Web

04/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	TN 37857	Web	Servicemember

03/19/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Don't agree with the fees charged	MS 39564	Web

01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22307	Web

12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PR 00612	Web

12/17/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MI 49331	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	UT 84121	Web

11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31909	Web

10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 34747	Web

10/13/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	TN 37923	Phone

08/03/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	MA 02703	Phone

07/18/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	TN 37923	Phone

06/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	AR 71854	Phone

06/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91510	Web

03/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60611	Web

01/26/2022	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	KY 40291	Phone

12/28/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OK 73139	Web

12/09/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	NH 03043	Web	Older American

12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	IN 46217	Phone	Servicemember

11/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AR 72761	Web

11/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 62205	Web

11/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32909	Web

10/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 93305	Web

10/12/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	CA 91016	Phone

10/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75043	Web

09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 95610	Web

09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 713XX	Web	Servicemember

07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75702	Web

07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77449	Web

07/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34237	Web

06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02302	Web

06/17/2021	No	Student loan Private student loan	Getting a loan Confusing or misleading advertising	KY 40071	Web

06/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 91510	Web

06/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34473	Web

06/04/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	MI 48083	Phone

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33733	Web

06/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75204	Web

05/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33805	Web

05/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30135	Web

05/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32225	Web

05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77077	Web

05/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AR 72404	Web

04/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NJ 08043	Phone

03/29/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 63077	Web

03/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37130	Web

01/21/2021	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled	CA 95206	Postal mail

11/20/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan		Phone

11/01/2020	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	NY 10026	Web

10/30/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled		Phone

10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10026	Web

09/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78664	Web

09/16/2020	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	MD 21076	Web

08/17/2020	Yes	Student loan Private student loan	Incorrect information on your report Account information incorrect	MA 02351	Web

08/13/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75074	Web

07/30/2020	Yes	Student loan Private student loan	Incorrect information on your report Information belongs to someone else	AZ 85282	Web

06/12/2020	Yes	Student loan Private student loan	Getting a loan Fraudulent loan		Phone

05/21/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Need information about your loan balance or loan terms	PA 19131	Web

04/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35042	Web

04/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48507	Web

04/02/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Trouble with how payments are being handled		Phone	Servicemember