Harvard Collections, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
08/28/2023	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	IL 600XX	Web
XXXX continues to report a collection account that is not valid. Under UCC 3-203 although a contract is transferred to a third party it does not give them a right to collect. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding. ( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought. ( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank. ( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. XXXX or successor orders. ( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. ( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system. ( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency. ( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ). ( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. ( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes. ( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
04/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web	Servicemember
In violation of FCRA, on/about XX/XX/XXXX and in prior communications with XXXX, XXXX and XXXX and in response to my direct complaint against them on XX/XX/XXXX, Harvard Collections LLC knowingly and willingly provided false and inaccurate information in response to my dispute for the fraudulent account they placed on my credit report ( s ) on about XX/XX/XXXX. On XX/XX/XXXXXXXX responded to my complaint against them with the CFPB for failing to remove the fraudulent account on my XXXX credit report. In their response, XXXX wrote, " Thank you for submitting your complaint on XX/XX/XXXX, through the CFPB Complaint Portal. We have reviewed the information you have supplied through the CFPB portal and directly to XXXX. In your complaint, you indicated there were items appearing on your credit report inaccurately reporting. The Results of Our Reinvestigation : We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX XXXX XXXX, I, XXXX XXXX XXXX XXXX, Attn.XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I filed a complaint on the CFPBs website directly against Harvard Collections LLC in direct reply to XXXX 's response that " We have researched the collection account. Account # XXXX The results are : We verified that this item belongs to you. '' and provides the name of the person, XXXX, who, presumably, verified the information. In theirXX/XX/XXXX reply to my complaint against them through the CFPB, Harvard Collections LLC states, " We received a dispute from the consumer through XXXX XX/XX/XXXX stating that this is fraud and a case of Identity theft, following which the fraud packet was mailed to the consumer on the mailing address and the account was placed on dispute status. We have not received any proofs of Identity theft from the consumer till date however, we are in receipt of multiple XXXX notification stating that this is a case of fraud. We request the consumer to send us a copy of police report or a copy of affidavit in order to investigate this matter further. '' By their own admittance in theirXX/XX/XXXX reply to my complaint filed through the CFPB Harvard Collections LLC acknowledges that they have not validated the debt as mine and they can't because it's fraud, and furthermore states they've requested I provide them with a copy of police report. I have been dealing with identity theft since the XXXX XXXX breach, which I have a letter notifying me of the breach and my identity information being comprised. I'm not about to start jumping through hoops and hurdles for every frivolous fraudulent account that some collection agency is sold and places on my credit report. The FCRA provides consumers with the protection to dispute accounts on their credit reports through XXXX, XXXX and XXXX ( the CFPB and the FTC ) and the onus is on the respective collection agency ( ies ) to validate debt ( s ) as legitimate. Harvard Collections LLC clearly did not nor can they validate the debt as legitimate because it is fraud. Furthermore, Harvard Collections LLC knowingly and willingly provided false and inaccurate information to XXXX, XXXX and XXXX by notifying each of them as indicated in XXXX 's XX/XX/XXXX response that " We verified that this item belongs to you. '' ( presumably ) by XXXX of Harvard Collections LLC. Harvard Collections must cease henceforth any attempt to collect this fraudulent account and delete it from their database to ensure it is not sold to another collection agency
06/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 336XX	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX HARVARD COLLECTION SER. XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : ACCOUNT # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that 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 that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 might 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 that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must 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 listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX XXXX XXXX XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX.
07/08/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33023	Web
on XXXX XXXX a collection was placed on my consumer credit file by the company : harvard collection for the amount of {$1100.00} i sent a debt validation letter as my rights under the fair debt collections practices act & fair credit reporting act the company listed in this complaint never responded and the results is this collection on my file..the company are well aware of the constitution and the laws thats why they never responded and violated my rights as the consumer ... the laws they violated are listed below15 U.S. Code 1692c - Communication in connection with debt collection I NEVER GAVE THIS DEBT COLLECTOR TO FURNISH THIS DEBT ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that 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, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
10/07/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 75067	Web
Couple of things here. This is directly connected to case XXXX of which you can share the information in each complaint with the other complaint party. I have yet another company attempting to claim this same unverified debt. Additionally now this debt - Which I was told went from a physicians office XXXX by Harvard Collections .... is oddly being collected XXXX as an ambulance bill. I have asked XXXX companies to provide proof that they actually purchased the debt .... maybe they XXXX work for XXXX as they use outsource collection agencies XXXX companies do, they make pennies on the dollar to our minimum wage - so the company saw that once vendor was collecting the amount wrong and sent it to another vendor? Or they are XXXX collecting the same thing with different descriptions? There is fraud all over this. I paid my co pays at the hospital that day, I am not sure why there is now a doctor charge and ambulance charge XXXX for XXXX from the same day with two different debt collectors. Additionally when asking for the original invoice, the notification of intent to send to credit collection agency, proof of ownership of the debt ... they guy said I can not provide you with that I can only give you the original invoice and our invoice ... XXXX well obviously I want more since XXXX agencies are trying to collect the same amount. So he provided me with two solutions .... 1. I can just stop calling you and stop trying to collect, how about that? I asked if it would still be on my credit, he said yes, I said that is not good enough. 2. Then he said I will settle this debt for you for {$150.00}, but refused to send that to me in writing with the requested verifications. How are you going to accept less as a resolution to me wanting verification of debt????? Sounds like a form of bribery to me. Then the XXXX manager - each time I asked for the documents I wanted they would escalate my call - told me if you want to verify that they tried to collect this debt, and that they did sell it to us you need to call them directly. You should be disputing with them and not us ... .. which would make my debt validation request pointed to the wrong party in the XXXX 30 days ... I think this is illegal. Additionally I am not disputing I was at the hospital, I am simply verifying where they are getting this amount because I have XXXX companies now that have tried to collect under different names. There has to be better reform ... how about transferring letters, from the original creditor and the collection agency each confirming they have completed a transaction for this XXXX debted amount. Something tangible, not just a hospital invoice and random collection company invoice ... I could make XXXX of those up and say I am the collection agent who owns the debt. The only thing this validates is that the collection company has my information. You have to come up with better regs around debt validation
11/11/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 08054	Web	Older American
First I was not told that it was a debt collector attempting to collect a debt on three occasions on the call. I was not mini Miranda. I was not told that the call may be recorded and may be monitored at onset violating my rights, in fact on the call from today I had to ask him are the calls being recorded and he said yes and I said why wasnt I told before we started talking and he said I was going to do that. Ive spoken to a woman about two weeks ago who I asked for documentation of what the debt was what it was for when it was delivered, where I made purchase, when, etc. I needed to know about my debtwas from 2014. Yesterday I got a call from a gentleman who is rude and pretty much accused me that the letter was sent and now this have to be resolved I told him I have not received the letter he belittled me and wanted and kept trying to close still no Marandas no asking me to verify something and was upset when I asked for a manager. I received no return call so I called them today since I did get the letter. The man said he was going to call me today. He asked if I was ( name incorrectI asked several times giving me my address. I said that isnt my namehe said if my name changed it doesnt matter ). now if it was not me he wouldve been giving out my personal information to a third-party these are all violations of the FDCPA now I got the letter it was a letter of representation and an offer to settle it did not provide me with the what the purchase was when was it delivered who was it too I mean I have no idea of what this is and now a different name??? OK well the gentleman today I said to him I was supposed to get a callback from a manager. I dont even know if the guy yesterday did try to get a manager he said my manager is busy Ill have him call you back he did not these people are using deceptive practices they are not advising correctly as far as the attempt to collect the debt mini Miranda and since I did ask for documentation and proof or validity of the debtThey refused they said the letter I got was all I needed thats not what I needed thats not what I asked for and today I told him if he cant acknowledge my rights I dont want them calling again and if they do I am taking this all the way up to the attorney general and getting a class action lawsuit I am a senior citizen and I expected a bit more concern and accommodation of my request for assistance. They were rude they were belittling they refused any assistance they raised their voice and they made me feel like some fifth class citizen you know Im getting old I need help sometimes in remembering this was from 2014 they took advantage of me theres no question about that. This was blatant deceptive violation FDCPA violations
08/21/2023	No	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60621	Web
To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. Account XXXX This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt. Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of Illinois medical privacy rules XXXX I also hereby reserve my right to take private civil action against you to recover damages. Sincerely, XXXX XXXX
07/13/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	IL 601XX	Web
I received a letter from Harvard Collection Service located in XXXX in XX/XX/XXXX stating I owed {$900.00} and they were collecting on behalf of Illinois Dept of Human Services ( IDHS ). I never received a bill from IDHS and I had no idea what they were talking about so I called the number on the letter that was provided several times and I was not able to speak to anyone. Then I called IDHS and they had no record of me owing them anything. Then on XX/XX/XXXX I received an alert form XXXX XXXX that my credit score had dropped 96 points because Harvard Collection Service reported I owed {$900.00} for IDHS. I phoned IDHS and again they stated that I didn't owe anything to them and that they did not know of this collection agency. I then filed a complaint with XXXX about this fraudulent report by the company. Upon filing I read over 135 complaints had been made against this company by others and saw a pattern that most of the people had also received a letter like mine in XX/XX/XXXX too. Some of them stated that they never even lived in Illinois or had not lived in Illinois in nearly 10-20 years or more and their credit was affected by losing 50-140 points ( that's really egregious ). It's apparent to me that this company has illegally obtained hundreds of people information including our social security number and because they are a " real '' company they have access to all 3 credit bureau 's where they submit these erroneous collection reports in an effort to bamboozle their victims into paying fraudulent charges/debit by impersonating that they are collection on behalf of IDHS which is a government agency. I hope that this can be brought to the attention of the public so they aren't fooled into paying this shady company money they don't owe and that they immediately remove their false report against me from all 3 credit reporting agencies. I fear they will assume another DBA and continue on with this illegal practice. They are now stating my account will be removed from all 3 agencies but it is in " pending '' status. That's crazy! They've created a bogus, fraudulent claim against me and now say it's " pending '' when it's not even real. I speculate they may be getting our information on the dark web. This is so scary and they need to be stopped. All the complaints and the pattern of this company 's illegal practices can be seen on XXXX website. Please help me and all the others who they are victimizing. Thank you, XXXX XXXX
08/30/2018	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 190XX	Web
I received a call in XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX The call was regarding a Medical Bill, of {$740.00}, for an out of network physician ( XXXX XXXX XXXX ). I requested that the collection service send me a letter stating the amount owed and other detailed information ( a letter was sent on XX/XX/2018 see attached letter below ). In the letter, the collection service offered a settlement amount of {$550.00}. I contacted the collection service and attempted to make payment. In my discussion, I stated that I would send an email to the collection service stating what had been agreed to verbally on the phone. The manager, XXXX XXXX, provided me with an email address : ( XXXX ) and I sent the email ( please see attached document ). In the email, I stated that I would mail a payment of {$550.00} upon receipt of a response to my email referenced above that in summary stated that upon payment, all collection efforts would cease and no reports would be filed with any of the credit bureaus. I spoke with an employee at Harvard Collections after I sent the email, requesting that they respond to the email. At that time, the employee stated that it was a policy of XXXX XXXX XXXX XXXX XXXX not to respond to emails and instead to " Trust Us '' that they would honor the agreement. My intention with the email is to create an audit trail to prove what was discussed and what was agreed to. Several more phone calls were received from employees and I again stated that I needed something in writing ( via email ). This afternoon ( Thursday, XX/XX/2018 ) I spoke with the Operations Manager XXXX XXXX and stated again that it is my intention to make payment on this settlement balance as soon as possible ( upon acknowledgement of my email ). Again, he stated that the policy was not to put anything in writing, and to " Trust Us '' until after the payment has been remitted ( up to 30 days later ). Tomorrow, I will contact the Operations Manager XXXX XXXX and attempt once again to make the payment on the balance upon receipt of an acknowledgement of my email. What the collection agency fails to understand is that I need a written agreement that states what both parties agree to in order to settle this issue. The failure on the part of XXXX XXXX XXXX XXXX XXXX to commit to an agreement in writing constitutes a poor business practice. A written agreement protects both parties.
08/15/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60188	Web
I received a letter onXX/XX/XXXX regarding a debt owed to Il XXXX XXXX XXXX XXXX in the amount of {$480.00} from XXXX XXXX XXXX XXXX my ID # with them XXXX. I contacted them immediately and explained to them I was paying the debt monthly sinceXX/XX/XXXX via check and I had proof. THey said yes, but that payment is not enough monthly. I said well what do I need to do to get this up to date and ensure this does not go on my credit? I have worked very hard the past 6 years since being diagnosed with a XXXX XXXX to clean up my credit so we can refinance the house. THe agent stated I would need to pay 30 % which was {$150.00} online by the end of XX/XX/XXXXand XXXX every month thereafter to ensure this was current and would not at all be reflected on my credit. So, I complied. THen I made a XXXX payment online XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I received a credit notification from XXXX XXXX my credit monitoring site stating there was a significant negative impact to my credit. Balance increase and derogatory mark. THis was from harvard collections listing a balance owed of {$8700.00}. THat is was past due, and not being paid on or addressed at all. THis is totally false balance, reporting of not addressing the issue, and of not addressing my situation or balance. Never at all did I receive notification in writing nor via internet or voice communication on this {$8700.00} balance. I would never had ignored this. I have been ill since late XX/XX/XXXX, not able to work and on XXXX since XX/XX/XXXX. I need a XXXX XXXX. Also, when I inquired to the state of Ill. and Harvard collections on what my balance owed was, and if that was the total they both replied yes to the {$480.00} stated in the letter. I only used the funds the state allocated to me due to my illness and lack of income. I almost XXXX XXXX XXXX in one year, had a XXXX XXXX from my XXXX and went into XXXX XXXX. Still, I attempted to keep currant with my affairs and address issues including necessary medical appointments and medicine to stay alive. Now, by one hit and one derogatory false mark my credit report has dropped 36 points in one day. THis will significantly impact my ability to refinance now when the second mortgage is coming due. Please, please. I am seeking help to get this expunged from my credit and have the ability to resolve this issue. THank you. XXXX XXXX
08/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60620	Web
In XXXX ( not sure of correct date ) I had a hearing with XXXX as well as Illinois XXXX XXXX XXXX. During my phone hearing I informed both the hearing officer, as well as the rep from Illinois XXXX XXXX XXXX, that I did not owe the debt that they were claiming I owed. The hearing officer as well as the rep from Illinois XXXX XXXX XXXX informed me that in order to clear the debt I would have to provide attendance records from my sons school that showed he did not attend the after school program for which I was being charged. The hearing officer suggested that I not appeal the amount being owed until i gathered all of the necessary information, and both the hearing officer and rep from Illinois XXXX XXXX XXXX suggested that I pay on the debt so that it did not go to collections, and if it was found out that I did not owe what they were claiming, I would be reimbursed. In XXXX I received an agreement from XXXX that I would pay {$57.00} each month on the XXXX in order to satisfy the debt. I remitted payment of {$57.00} on XX/XX/XXXX. On XX/XX/XXXX I went to the school DHS and Illinois XXXX XXXX XXXX stated I owed the debt from, and they had no record of my son ever being in their after school program, and stated they never received any payments from the state. I faxed Illinois XXXX XXXX XXXX this information, and reappealed my original dispute on XX/XX/XXXX. Today on XX/XX/XXXX, I received a notification from XXXX XXXX that a new debt had been added to my XXXX account- it was the debt from DHS/Illinois XXXX XXXX XXXX. I immediately contacted the collection agency and told them that I was disputing the debt, and that it had already been in dispute within the 30 day time frame that I am allowed by LAW, and that a payment had already been made on the account, and therefore it was not past due so they were reporting deceptive practices to the credit bureaus. XXXX told me that I didn't know what I was talking about, and that they could not remove the debt from my credit report unless XXXX advised them to. I explained to XXXX that Harvard Collections was in violation of the FDCPA because I had already disputed, in writing with XXXX that the debt was not valid within the 30 day time frame, and had already made a payment so the debt was not pat due and he insisted on telling me that they were within their rights to report this invalid debt.
07/15/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	FL 34238	Web
On XX/XX/XXXX I received a call from " XXXX XXXX '' at Harvard Collection Services LLC claiming that I allegedly owe a debt to their client, XXXX XXXX XXXX XXXX for a purchase made under my name with XXXX on XX/XX/XXXX in the amount of {$410.00}. During the call, I asked her for information about where the company 's office located, who she was employed by, and whether her client claimed that it owed the debt. She stated that Harvard had an office in Illinois but refused to provide any information on XXXX XXXX. She finally admitted that she was calling from XXXX. Ms. XXXX was nearly impossible to speak with because she continuously spoke over me and then told me that under the law " I did not have the right to speak. '' I told her that I did indeed have the right to speak. Ms. XXXX asked me if I was " affirming the debt '' and " agreeing that I owed the debt. '' I advised Ms. XXXX that I did not have any record of such debt and that her actions were illegal under the FDCPA and the FCCPA because she was attempting to convince me into affirming a debt after I had advised that I disputed it and refused to acknowledge that the debt was not legally enforceable under Florida 's statute of limitations, Fla. Stat. 95.11 ( 5 year statute of limitations on debts based on written contracts and 4 year statute of limitations on debts based on oral agreements ). At this point she became enraged and insisted that her company " followed all the rules '' and that " I owed the money and should just pay the debt. '' When I attempted to explain how the statute of limitations works, she refused to listen to me and transferred me to her supervisor, " XXXX XXXX. '' Mr. XXXX reacted likewise when I advised him that I disputed the debt and that I believed his scheme was an attempt to trick consumers into affirming a legally unenforceable debt and restart the statute of limitations. He represented to me that he knew how everything worked with Florida 's statute of limitations and that I knew nothing and that I should not speak on the subject. Like Ms. XXXX, he became enraged and started to make abusive comments when provided him with a citation to the statute. I requested that Harvard Collections stop calling me. I do not have any written communication from either Harvard Collections or XXXX XXXX in my possession.
09/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34759	Web
Notice and Demand to Cease and Desist ALL Collection Activities Prior to Validation of Purported Debt. Re : XXXX XXXX and XXXX My identity has been stolen, you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. $ XXXX, FRAUD AND IDENTITY THEFT! NO CONSENT by definition is what? 15 USC $ Permissible purpose of consumer reports1681b. Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A Company shall block information within 4 business days after the date of receipt. Privity of contract : a contract that exists only between the parties no third party can enforce or obtain rights contained within a contract or buy or sell a contract without the express permission of the original parties. Defamation of character, violation of Fair Credit Reporting Act ( CFRA ), CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, intentional act of fraud and GROSS MISREPRESENTATION. 15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX are attorneys are attempting to collect a debt on the basis of fraud. They are in multiple violations of federal Fair Debt Collection Practices Acts ( FDCPA ) and FRAUD. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code- Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. FTC Fraud report attached
08/14/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32277	Web
XXXX 2017, I attempted to get validation on a medical debt that I believed may not be mine or inaccurate and/or incomplete. I wrote all credit bureaus regarding the issue, as I am a victim of identity theft and wanted to make sure the debt was mine and if so I sought documentation validating the debt was mine to include a billing statement, what amount insurance paid and/or the discounted rate if no insurance was paid, and date of service. During this dispute, the debt was deleted by all three credit bureaus after 30 days as being invalidated. I was informed that the debt would not reappear on my credit report unless the debt was validated and I was provided written notification within 5 days of reinsertion. I was never notified by the collection agency or the credit bureaus of reinsertion, note bearing my signature to the original creditor, payment history on the account, and itemized charges and fees. Due to this violation of the law, I rewrote the bureaus to notify them of the error and illegal practice. XXXX corrected the error because the reinsertion violated the law and removed the collection from my credit file, but XXXX did not due to the collection agency 's illegal practices. The collection agency through its communication did not notify me of the debt, my rights to dispute the debt, or the contact information of the original creditor. Also I have attempted to research the contact information of the original creditor but have been unsuccessful. I XXXX the original creditor and the internet provides data that reflects that original credit is an affiliate of the local hospital and list the local hospital as the contact phone number. When I called the hospital billing department ( XXXX ) I was sent to the emergency department. The ER department said that they do not handle that account and that company has been sold multiple times. They gave me the number to the company that handles the original creditor 's recent accounts at XXXX. This agency said they only handle the original credits scheduling and I was given another number to contact XXXX. I was informed they do not handle this debt and to try XXXX but I got no response. I have been trying to resolve this issue for several months. Please note that my address and phone number has been current with all credit bureaus for months.
12/07/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web
This debt has already been previously disputed and deleted from my credit report. This company continues to sell this debt to other companies. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). XXXX XXXX bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
04/20/2017	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	SC 295XX	Web	Older American
The collection agency Havard Collection, XXXX , XXXX XXXX XXXX XXXX XXXX , Il XXXX , called my house number asking for my father-in-law 3 times today. They called at XXXX , XXXX , and XXXX each time it was the same gentleman with an extremely heavy XXXX accent I asked this person to remove my number since I am not my father-in-law. On the call at XXXX this gentleman raised his voice at me in an abusive aggressive manner telling me that if I am not my father-in-law I was to put him on the phone. I am female so I am clearly not him. I am aware that this gentleman called my father-in-law 's cell phone around XXXX . During that conversation an XXXX gentleman demanded payment. My father-in-law told him that his bill from XXXX was a charity write off and asked him to send a bill. The gentleman refused demanding payment threatening him saying have you bothered to check your credit lately, he said no, the man said I think you should. This person attempted to call again around XXXX . My father-in-law was with me describing what had happened earlier when the second attempt at contact within the same day happened. I called the number spoke with a man named XXXX who claimed to be the collection manager. After numerous attempts to get a street address to mail a letter of dispute he finally provided it. XXXX assured me that all calls would stop. I also explained that in XXXX he did not have insurance and was contacted by XXXX XXXX about a charity write off of this debt. XXXX did provide me with the account reference number of XXXX . This company has violated the FDCPA by attempting numerous contacts with my father-in-law within the same day and by harassing me with XXXX calls to my residence when I am not him. They are continuing to attempt to collect a debt that is not owed or should not be owed. I personally feel that the statement about thinking my father-in-law should check his credit report was a threatening tactic. My father-in-law is elderly, battling XXXX , and just recently got on social security which has been expressed to this company numerous times today. My father-in-law also has XXXX XXXX XXXX . The added XXXX of these abusive tactics is not good for his health.
12/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	IL 61201	Web
On or about XX/XX/2016 I received a call from Harvard Collection regarding a debt I owe to the IL Dept of Revenue. I do not dispute the debt however the original caller from Harvard Collections named XXXX pressured me to make payment with only a prepaid credit card and she would not give the address of her agency. At that time I googled the agencies address and sent a letter to them requesting I no longer receive phone calls per FDCPA. I also contacted IL Dept Rev about this as well as IL Attorney General. I had also received letter from IL Dept of Revenue stating that I could pay debt by withholding my Federal Income Tax and communicated that is the only way I can plan to resolve this debt at this time. As of XX/XX/XXXX I received another call from XXXX XXXX at Harvard Collections requesting payment. Again I have sent another letter telling them they are not compliance with my previous notificiation to only receive communication via mail. I also notified IL Dept. of Revenue and IL Attorney General. I do not dispute my debt ; however I do dispute the fact that Harvard Collections with their initial call and payment method and since I did send a letter requesting no contact by telephone and only mail I dispute this additional collections call to my home from Harvard Collections. I believe I had made clear communication to IL Dept of Revenue of my intentions to pay and if in the near future I become blessed enough to obtain the funds I owe prior to my Federal Income Tax return I will pay the debt. At this time I am making sure I have adequate funds to pay my rent and able to continue working ; but my paychecks only cover living expenses. I sleep on a mattress on the floor and I try to make ends meet by visiting food pantry and I never go out to eat ; I make make lunches ; needless to say steak and lobster is not on the menu ... .beans, peanut butter, macaroni and cheese sustain my existence. My home phone bill is barely paid and my family does not have the money to help me pay my outstanding debt. My mother is in XXXX XXXX with a not very good prognosis of survival. When I can I visit her but it does pose a hardship for my pocketbook. Your assistance with this matter is very much appreciated.
12/29/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11375	Web
I contacted Harvard Collection, the collection agency that took over the XXXX account number XXXX, on XX/XX/XXXX via phone number ( XXXX ) XXXX ) upon becoming aware that I had a derogatory report on my credit. I explained to the representative that they were pursuing me wrongfully as I was XXXX between XX/XX/XXXX and was not release by the XXXX XXXX XXXX until XX/XX/XXXX. I agreed to settle the bill, nevertheless, for approximately half the amount of {$1900.00} ... that is {$970.00}. As part of the settlement, Harvard Collections would provide the satisfaction to the credit reporting company. The payment was to be paid in 3 parts of XXXX on XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX by auto pay from my chase checking account. On XX/XX/XXXX, I decided to call Harvard Collections to inquiry whether the satisfaction has been sent to the collection agency as agreed, but to my dismay I was told that i did not fulfilled the parameters of the agreement. They said, specifically that the XX/XX/XXXX auto pay from my chase checking account payment was not made. In addition, the representative said agreement made on XX/XX/XXXX was longer valid, and I would need to make a new deal that would consist of me paying over {$600.00} ... more than {$300.00} more than we had agreed upon. I immediately called XXXX and asked if an attempt was made from Harvard Collection on XX/XX/XXXX to withdraw the the XXXX, and if the payment was rejected for some reason. XXXX confirmed that the account was in good standing on XX/XX/XXXX and continue to be in good standing. My contention is that Harvard purposely and deceptively did not submit the final payment in order to claim a violation of the terms of our agreement and renege on the deal in attempt to extract more funds. I am hereby appealing to your agency to encourage Harvard Collections to comply with our original agreement. It is an atrocity that Harvard Collections would take such an underhanded route given the conditions that we as a society are living in -- we are going through a pandemic, and people can no longer claim ignorance to the struggles ex-prisoners go through in order to rebuild their lives.
03/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NV 89002	Web
I am filing a complaint against Harvard Collections, located at XXXX XXXX XXXX XXXX XXXX Il XXXX. The phone number listed is ( XXXX ) XXXX. Harvard Collections held a debt of mine originating from the IL Department of Human Services ( phone : XXXX ) in the amount of {$1000.00}. That debt was paid by me to Harvard Collections on XXXX XXXX, 2016. I received confirmation of payment by collection manager XXXX ( XXXX ) XXXX ( XXXX ext XXXX ) and was informed that Harvard Collections sends payment to the original debtor once a month at the end of each month. He informed me that the Illinois Department of Human Services will not receive payment until XX/XX/XXXX which should be reflected before XXXX XXXX. I filed my taxes in XX/XX/XXXX. {$1000.00} was taken out of my taxes on XXXX XXXX, 2016 due to a tax offset for this same debt which was paid on XXXX XXXX, 2016. I contacted the Illinois Department of Human Services directly on XXXX XXXX, 2016 and explained to XXXX that I paid this debt twice. He informed me that I would have to wait until XXXX XXXX, 2016 for both payments to post in their system ( XXXX from Harvard Collections and another from the XXXX XXXX XXXX XXXX ). I contacted XXXX on that date and was informed that nothing was posted yet. He told me to follow up. I followed up XXXX XXXX, 2016. A representative informed me that the department XXXX XXXX XXXX received payment from the XXXX XXXX XXXX XXXX but did not receive payment from Harvard Collections. I immediately called XXXX XXXX at Harvard Collections and asked why this debt has not been paid even though I paid. He then said that his company does not deal with the payment to the original debtor and he would have to contact 'client services '. He would not give me a number or contact information. He later told me that he does not have a number for client services only an email which he would not provide to me. I have followed up with XXXX XXXX several times and he either hangs up wilhen I call or tells me lies. He wo n't refund me my money. The account has been paid twice and I ca n't find any resolution with Harvard Collections.
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33647	Web
I have pulled up my credit report and found some private information. Such as my consumer transactions with creditors as well as hard inquiries and accounts in collection. I never opted in to have my information shared. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states\n '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC\n1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
03/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 620XX	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against HARVARD COLLECTION SERVICE for committing identity theft. I have never given HARVARD COLLECTION SERVICE any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from HARVARD COLLECTION SERVICE before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If HARVARD COLLECTION SERVICE can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until HARVARD COLLECTION SERVICE can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and HARVARD COLLECTION SERVICE continues its collection efforts, I will file for litigation for actual damages caused and HARVARD COLLECTION SERVICE will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
10/28/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 210XX	Web
The Harvard Collection Services located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX engaged in Unfair Collection Practices and Unfair Credit Reporting Practices. A Harvard representative contacted me regarding a XXXX bill. The Bill belong to a family member that resided in a home owned by me. I previously agreed to a weekly debit of {$25.00} with a different collection agency hired XXXX. The past due bill was transferred from the prior agency and given to Harvard for final collection activity. When speaking with the Harvard representative, I was told that if I paid {$220.00}, the bill would be paid in full, no further collection activity would continue, and this matter would not be reflected on my credit report. I paid the agreed upon amount on or about XXXX XXXX, 2015. On XXXX XXXX, 2015, I received an alert from XXXX indicating that a collection account was added to my report. That Monday, I contacted Harvard. I spoke to a representative who advised that the prior young lady that took the payment did not update the system correctly, which caused this to be report to my credit profile. She assured me that this matter would be deleted from my credit profile. I followed-up a few days later and was told by a different representative that this matter would stay on my credit report until the {$91.00} was paid. ( Please note that the {$91.00} represents fees added to the balance of the bill, and not fees associated with the electric/gas services provided by XXXX. ) I immediately requested to speak to a supervisor and requested to have all telephone calls pertaining to my account pulled and listened to. I followed-up two days later and was told that the supervisor would have the information deleted from my credit profile. To date, it does n't appear that this has happened. As a result of this unfair collection practice of providing false information in an effort to obtain payment of an debt, I have poor credit. My score has dropped from the XXXX to XXXX. I respectfully request your assistance in this matter.
07/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 780XX	Web
My Name is XXXX XXXX XXXX, this is the 2nd time within 6 months I am requesting this debt collection is removed. The company acknowledged it in not mine but has sent a collection notice again. I am formally requesting that you validate all trade line notations you have submitted to the major credit reporting agencies ( XXXX, XXXX and XXXX ), based on the account information and any additional information of this account from the Department of Human Services. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX {$560.00}. Due to possible inaccuracies in these CRA reports, I must demand a validation. I hereby lawfully request to be in formed through a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. Please note that by law you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. Current Address : XXXX XXXX XXXX XXXXXXXX, TEXAS, XXXX
12/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30134	Web
As seen in the attachments I have emailed since XX/XX/XXXX or earlier, walked into the office several times before that, and called the collectors and IL offices more times than I can count in the past year or more! I have no clue about the XXXX usage, let alone any ongoing overpayment. Even up until XXXX you guys say I've been using link I HAVE PROVEN DENIAL LETTERS From XXXX to XXXX.I 've asked for proof of pin, some kind of dates vs payout vs my paycheck to atleast understand the amount owed. When I was in school I tried to get it & was denied, XXXX in XXXX I was under my grandma 's info/a minor XXXX XXXX XXXX and my benefits & I wasn't even close to working full-time plus I was in school! XXXX applied 3 times!! Denied and I faxed the letters as asked! Wasn't approved until I moved in XX/XX/XXXX ONLY FOR HEALTH CARE but declined myself because I moved BACK TO GA after XXXX let us all go due to bankruptcy. I have reached out over 89 times these emails aren't even a fraction of phone calls and letters ( I should had copied before I sent )! Every one says I Have the wrong department NO ONE HAS GIVEN ME CLEAR PROOF or attempted to help me understand. I was told if i thought it was fraud to report it, then the department told me you can't sue a deceased person because I'm sure you are just trying to get from me what my grandma or that address may owe. So I set up a freeze and fraud alert which to this day is in effect. I have been more than cooperative and you can clearly see how I was ignored and just brushed off due to assumptions! I have been denied credit cards, car loans, etc since this has hit my credit and since I've had to keep this freeze on my account until this issue was resolved. YOU XXXX act like I'm not trying I just want to understand I truly do not get this amount or where this came from!! You have logs of denied applications. Please just remove it. Idc about compensation just remove the XXXX made up XXXX uncle Sam debt!!!
04/01/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 780XX	Web
My Name is XXXX XXXX XXXX, I am formally requesting that you validate all trade line notations you have submitted to the major credit reporting agencies ( XXXX, XXXX and XXXX ), based on the account information and any additional information of this account from the Department of XXXX XXXX HAVARD COLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX {$560.00}. Due to possible inaccuracies in these CRA reports, I must demand a validation. I hereby lawfully request to be in formed through a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. Please note that by law you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. Current Address : XXXX XXXX XXXXXXXX XXXX TEXAS, XXXX
04/26/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	AZ 85225	Web
I have worked very diligently on correcting my credit report after having XXXX surgeries, and being hospitalized for over 4 months. I am proud that I was able to pay off all of my medical bills, and have finally gotten my credit score to the point where I can now qualify for my first home. However, I received a notification from XXXX XXXX last week, that my credit score had changed. I was hoping that it had increased due to the most recently paid medical bills. However, to my horror, my credit score had decreased by XXXX points. When I searched for the change, I found out that I am being held responsible for a debt that does not belong to me. I was married in XXXX in XXXX, and moved to XXXX in XXXX with my now deceased husband. However, after several years of marriage, he and I separated, and I moved to XXXX in XXXX with my XXXX minor daughters. My ex-husband died in XXXX after moving to XXXX with little or no contact at all. Apparently, this is a debt that he owed to the XXXX Department of Human Services. My ex-husband has been deceased for over 2 years, and has never resided in my home that I share with my XXXX daughters, and XXXX year old granddaughter. My XXXX year old daughter collects survivors benefits from Social Security, however, prior to his death, he never provided for her financially. How could Harvard collection agency just assume that I owe this debt without any contact at all? I have not received any letters or any correspondence form this agency at all. They did not allow me notification to properly dispute. They just simply reported this as over 120 days past due as of XX/XX/XXXX. This has already negatively effected my credit scores, and could possibly effect my qualification as a first time home owner. If this was to happen, it could cause even more financial hardship for me and my children.
04/14/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10301	Web
Hello, On XX/XX/XXXX a collection ( total of 5 ) was placed on my XXXX credit report by Harvard Collections. I found out on XX/XX/XXXX when I obtained my free reports. I was appalled as this is the 3rd agency that has tried to get the {$100.00} total from me. I have also received calls in the past from various collection agencies as well as postal mail on and off. I feel sick and angry all over again as I thought this ongoing issue was over and done with. To continue, I was never an inpatient anywhere in XX/XX/XXXX therefore the date is incorrect. I was however a patient in XX/XX/XXXX but my story and my truth remain the same. The first delinquency dates are incorrect as well-all 5, the charges were bogus and I confirmed this with a Medicare rep, in addition they waited 2 years to bill and all medical facilities know that they have 1 year to bill Medicare. I have copies of all the letters that I mailed to the first 2 collection agencies. I also have my notes regarding my call to Medicare and the rep that I spoke with as well as other notes, Medicare statements etc ... I hope something can finally be done now to stop these lying, harassing people and agencies etc ... they're relentless and it's very unfair and unjustified to ruin a persons credit with bogus charges. I hope the 5 collections will be removed from my reports as soon as possible as my credit reports are good and very important to me. I forgot to add that when this started I NEVER received any bills regarding the charges-just straight to collection and the first collection notice that I received was XX/XX/XXXX and the charges weren't on my Medicare statements either which I also confirmed with a Medicare rep. These agencies have also sent mail to relatives solely based on our surnames-sent to addresses that I have never resided at. Thank you very much.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30809	Web	Servicemember
I am not liable for this debt with the Illinois Department of Human Services. I do not have an account or contract with the Illinois Department of Human Services. I do not have an account or contract with Harvard collections. Harvard Collections Sent this account to collections XXXX XXXX with the following information : Account name HARVARD COLLECTION Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$1200.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Original creditor IL DEPARTMENT OF HUMAN SERVICE I disputed the account via XXXX, and it was removed from my credit report. The account was reported again in XX/XX/XXXX with the following information : Account info Account name HARVARD COLLECTION Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1200.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX Original creditor IL DEPARTMENT OF HUMAN SERVICE The first time this was sent to collections it states that the Date opened is XX/XX/XXXX. The second time it is sent to collections it states that the Date opened is XX/XX/XXXX. Again, this is not an account that is associated with me, and I have had no contact or correspondence with Harvard Collections. This has caused my credit score to drop significantly, negatively affecting my financial health. I would like a permanent resolution to this matter.
10/29/2019	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85281	Web
This company ( Harvard Collection Serv ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20020	Web
Harvard Collection Services LLC came unto my credit report. Never received a validation letter. Company is fraud and I called the originator and they do not show me owing anything. XXXX has had over 95 complaints. 46 Complaints Show Sort By Complaint Type : Billing/Collection Issues Status : Answered XX/XX/2020 I went to check my credit report and theres an account from Harvard Collection Services. I never received any notice from them and have never heard of them. I have really good credit because I pay my bills on time. Well, I had really good credit. That account that was reported to the credit bureau dropped my credit score by 60 points. I have no idea what this business is and never heard anything about or received anything from them. Im requesting they remove this account from all credit reporting agencies. Response XX/XX/2020 Re : Case # ****** *, XXXX We appreciate the opportunity to respond to any issue a consumer may have with Harvard Collection Services. Upon investigation we found that account at issue was assigned to our office by our client on XX/XX/2020 in the name of XXXX, XXXX. Our records do not indicate any prior contact with the consumer. Upon receipt of the complaint the account has been submitted for credit deletion and the collection activity has been ceased. Additionally, we have requested the itemized bill from the client. Once received we will send it to consumers mailing address for validation of the debt. If we can be of further assistance, please feel free to contact us at # # # - # # # - # # # #. Sincerely, Harvard Collections Services
09/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DE 197XX	Web	Servicemember
In midXXXX XXXX, I received a credit alert stating that a collection had been submitted to my credit report, which caused my credit score to drop by XXXX points. I immediately contacted the company because I feared that someone may have stolen my identity. However, the very unscrupulous service rep who answered the phone stated that I owed Illinois State {$1000.00} for some sort of overpayment. I haven't lived in Illinois for over 25 years, and I didn't owe any entity when I left and I definitely do not owe one decades later. I disputed the collection and I also filed a complaint against Harvard Collection Services on XX/XX/XXXX. On XX/XX/XXXX, the company responded, noted the dispute in their records, and had the item removed from my credit report. Allegedly, the account was on hold while they attempted to validate this fraudulent debt, but ultimately the case was closed as resolved. I never heard from them again until XX/XX/XXXX, this company filed the same collection on my credit report causing my credit score to drop XXXX points again! I am outraged that a company can operate in this manner, so I decided to file a complaint with the CFPB at this point, before contacting an attorney. This feels extremely predatory and this company should not be allowed to do this to consumers -- especially in the current economic climate that we are currently in. It is not right! I also intend to file an additional complaint with the BBB. Consumers beware of the unscrupulous business practices of the following company : Harvard Collection Services XXXX XXXX XXXX XXXX. XXXX, IL XXXX
07/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37919	Web
A collection agency Harvard Collections based out of XXXX, IL placed two separate reports to my credit for the same debt in XX/XX/XXXX and again XX/XX/XXXX. I have never been contacted via phone, or mail in regards to any debts. When I contact Harvard they could provide zero I formation but it was a debt from XXXX. I contacted XXXX XXXX number provided from Harvard Collections and was told it was an overpayment from XXXX in the state of Illinois. I have not lived in Illinois since XXXX. They have no record of ever speaking with me and could not verify any other information. They confirmed they have never received any payments towards the debt from me but from state tax returns in XXXX & XXXX. Since, then there has been no other contact on this debt until it appeared on my credit 21 years later without warning. Not only was it reported it was done twice causing me great economic hardship as my daughter is preparing to return to school this fall and this hurt my abilities to co-sign her lease. I do not owe this debt and have zero knowledge. How can a company put a 21 year old debt on your credit without reasonable attempts to resolve? What is the statute of limitations? These people basically are saying they waited over 10 years to report the debt. I had to write the headquarters of XXXX in XXXX, IL for details as Harvard or XXXX XXXX could provide any details just the date of debt and the amount. I do not owe this and needs to be removed from my credit reports ASAP. I also want Harvard Collection and XXXX collections tactics reviewed as this is wrong.
04/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 53219	Web	Older American
On or about XX/XX/21 I got an XXXX Alert for my credit score, I checked it and it was a unpaid debt for {$2300.00} posted from Harvard Collection XXXX XXXX XXXX in XXXX. I call Harvard and told them they had the wrong person, Harvard said the debt came to them on XX/XX/21 and was due to be paid by XX/XX/21. i ask them how could they just put that on my credit score without contacting me and allowing me the opportunity to investigate and settle this debt if warranted. Harvard communicated the debt came from Illinois XXXX, I have not lived in Illinois in 30 years. I ask Harvard where did the XXXX XXXX live at they were communicating with, it was indicated XXXX XXXX XXXX XXXX XXXX, I have never lived at that address. I then called Illinois XXXX, and learned this is a debt from 27 years ago, and I communicated to them, they had the wrong person, ask again why is it I never heard of any of this until I got a credit alert, this was on my credit. Harvard Collection violated my rights to dispute / settle a claim. Harvard Action hit my credit score, very hard. I provided my address, and phone number, also requested proof of debt from Harvard and Illinois XXXX. I do not have this, I disputed with XXXX, XXXX, XXXX, this is not my debt and it was attached to my credit without any communication to this writer. Harvard Collection Agency did have my correct and current address listed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX. I know this because Harvard Collection verbally provided this to me after I said I have never lived at XXXX XXXX XXXX XXXX.
08/06/2023	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 Difficulty submitting a dispute or getting information about a dispute over the phone	FL 329XX	Web
I first learned of this Collection in XX/XX/XXXX when it appeared on my credit report. I was unable to find much information and unable to get information from Harvard Collections. I filed disputes with the credit bureaus. The collection was removed from my credit report in XX/XX/XXXX. I have not received so much as a phone call, let alone a letter or bill from Harvard Collection Service between XX/XX/XXXX and today. XX/XX/XXXX, Harvard Collection Service once again puts this same Collection on my Credit Report, which apparently stems from an alleged outstanding bill with the State of Illinois and has been an unpaid {$20.00} Collection since XX/XX/XXXX ( original creditor and date of XX/XX/XXXX finally showed up this time around. ) First of all I have not lived in the state of Illinois since XX/XX/XXXX. I was never aware of an outstanding bill of any type with the state and do not know the original origin of this outstanding bill. How does it take over 14 years to appear as a Collection on my credit report? Second, I filed XXXX XXXX Bankruptcy in XX/XX/XXXX, which was discharged XX/XX/XXXX. If I had known of this debt and was unable to pay this debt, it would have been included in the bankruptcy. Third, as previously stated, I have never received a phone call, bill, or letter about this alleged debt/collection. I can get no information from the company. I dont understand how a debt collection agency can refuse to provide any information but is able to report these things as a Collection on my credit report
07/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46205	Web
Where do I start. My Person information was hacked via several companies since XXXX. XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX ) ; and XXXX ( XXXX ). I have been fighting a credit nightmare with XXXX debts that are fraudulent every since. By : ( Harvard Collections Serv.- {$2600.00} ) and ( XXXX XXXX XXXX {$1000.00} ). I having been " Disputing '' having fraudulent reports removed by credit bureaus ; only to have them resurface year after year via the same collection agency or a different collection company, who so called purchased the debt. from the one in which was previously disputed and removed. I know, its ridiculous, and even more concerning that the credit bureau are allowing this process without cross referencing them as a previously disputed and removed from my report under the same name, and or a duplicate disputed collection removed under a different name. Please help! I worked so hard to be economically responsible ; only to spend a ridiculous amount of time disputing obvious fraudulent reporting in efforts to intimidate and fraud innocent consumer out of their hard worked finances and to tarnish their credit history.. As a consumers, the current resources the credit bureau have in place are not in the best interest of consumers who have been victimized over and over by hackers, scammers and collection practices that not only operate unethically ; but also abuse their ability to report debt prior to proof of identity ; and or ownership of reported debt in and attempt to collect via thieft.
04/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55429	Web
This letter is a formal compliant that you are reporting and incomplete credit information. 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. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount
12/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60120	Web	Older American, Servicemember
Dear Sir or Madam, A few years back I contacted FTC in reference to Harvard Collections I also contacted the XXXX, with both the XXXX and the FTC the issue was resolved. As it turns out this company continues to make false claims on an account that is almost three decades old and was settled along with other accounts in XXXX As was decided by Harvard Collections they deleted the erroneous information they put on my credit report that was previously settled and no longer in the time frame for collections. What this company has attempted to do is undermine the FTC and XXXX by creating and changing the original account number XXXX to XXXX knowing that XXXX was settled and deleted, these records being a decade 's old I no longer possess. In conclusion, I am seeking once again the help of the FTC with their high standards in halting this company in what one can compared to as illegal activity and misrepresentation by resubmitting accounts to XXXX and XXXX and " switching account numbers '' to reactivate decades old account, falsely. As a XXXX veteran. XXXX citizen and listed with XXXX I thank you for your previous efforts regarding this matter and hope now this can come to a conclusion. I hope this will prevent Harvard Collections from preying on veterans and XXXX citizens. The desire is that this will stop from reoccurring with my credit report involving XXXX and XXXX and appreciate any help you can give me with this dilemma. Sincerely, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX
03/14/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07104	Web
On XX/XX/XXXX Harvard Collections Services reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & apos ; s internal collection department ''. Harvard Collections agency reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX. Harvard Collections Services has not notified me via mail or phone call for the debt in question. Harvard Collections Services has not provided verification of this debt and has not responded to any phone call correspondence. On XX/XX/XXXX XXXX XXXX XXXX reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & apos ; s internal collection department ''. XXXX XXXX XXXX reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX OF NY. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX in regards to the debt in question. I sent a request for verification to XXXX XXXX XXXX on XX/XX/XXXX by certified mail, the following agency has not provided debt verification within the legally obligated 30 days. Two agencies are trying to collect on the same debt that has not been verified when verification was requested. Both collections agencies are reporting these accounts as negative collection to all credit reporting agencies. This is illegal.
10/19/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11361	Web	Servicemember
XXXX XXXX XXXX , XXXX has placed me into a personal debt collection notification with XXXX for a utility bill with XXXX XXXX XXXX XXXX. The debt amount of {$440.00} is owed from a property I no longer reside in which was from XX/XX/XXXX according to XXXX XXXX, XXXX. This debt must be paid by me personally. This was addressed on XX/XX/XXXX with XXXX XXXX XXXX , XXXX and XXXX XXXX , XXXX XXXX has notified me that the debt collection is official as of XX/XX/XXXX and there was 25 point credit score reduction. As of XX/XX/XXXX at this time XXXX XXXX XXXX , XXXX has not received a meter reading statement nor a utility bill for this debt. On XX/XX/XXXX I meet the written requirements of drafting a letter correspondence and mailing the meter and bill requests to XXXX XXXX XXXX XXXX XXXX, NY XXXX requested by XXXX XXXX , XXXX based on my direct phone dialogue with XXXX XXXX, XXXX. There was a follow up call with XXXX XXXX XXXX , XXXX on XX/XX/XXXX in regards to them proving a bill, a proper contact with the Utility and there was differed statement that the manager is out of the office and would speak to me on Monday XX/XX/XXXX. I pressed again the notion to the agent from XXXX XXXX XXXX , XXXX which was do have bill for this debt and the agent debt collector wanted to get off the phone when I recited IRS and Federal Energy Regulatory Commission Obligations that the utility must proceed to provide in record keeping.
05/15/2015	No	Consumer Loan Installment loan	Shopping for a loan or lease	CA 95824	Web
on XXXX/XXXX/2015 i settled a debt with Harvard Collection who acted on behalf of XXXX XXXX XXXX. A negotiated amount to settle the debt in full was {$620.00} which was paid. Payment cleared my bank account within 3 business days. At that point the representative, XXXX promised a letter in the mail within 2 weeks showing the balance has been settled and credit reporting within 30-45 business days. As of today, i have not received a letter or this payment has not reflected my credit score. My credit report still shows a balance due on this account which was reported in XXXX 2015. XXXX is falsely billing me and when i settled the debt with Harvard Collection as payment in full. This is affecting me from purchasing a home and after numerous calls to Harvard i am being asked to file a consumer complaint. No one seems to take responsibility of the actions and its not only affecting me financially but emotionally also. It is hidious how companies can abuse consumers in such a manner. Due to divorce i had to let the account lapse but did step up to my responsibility and paid the debt that was settled between Harvard and I. If debt settlement is just a sceme to scam consumers, please let me know so i know in the future to deal with the issues in hand then try to do the right thing. I want a letter showing my debt is settled in full and this to be reported to the credit agency so it can reflect my credit.
07/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77583	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX # XXXX XXXX XXXX placed negative collections on my credit report around XX/XX/2018. Four accounts in total. {$830.00}, {$320.00}, {$570.00}, {$320.00} over a year ago XXXX XXXX XXXX, XXXX had also placed these four accounts on my credit report but these delinquent accounts are for a woman named XXXX XXXX, I am not XXXX and I have never been to shooting star rehabilitation services. They were removed from my credit history. But on XX/XX/XXXX XXXX XXXX XXXX XXXX placed all four collection on me again. My name is not XXXX XXXX. I started a dispute on XX/XX/2018 when I had noticed what XXXX XXXX XXXX had done. I sent proof of my identification to XXXX XXXX XXXX on XX/XX/2018 after speaking to XXXX XXXX XXXX over the phone. A manager at XXXX XXXX XXXX instructed me to email my ID to his email address and he would fix the problem. My first dispute closed and nothing was done and Harvard continued to collect the debt. I opened a new dispute on XX/XX/2018 and on XX/XX/2018 I filed an identification theft report with the federal trade commission. My dispute was finally resolved on XX/XX/2018. I am not even XXXX XXXX the bills were never mine and I have wasted countless hours and a lot of money on this problem. XXXX XXXX XXXX knew I was not the right person but they continued to try to collect money. This has put a tremendous strain on my family life
07/16/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 775XX	Web
I received a collection notice by mail dated XX/XX/XXXX from XXXX XXXX XXXX XXXX. This letter stated that I owed a alleged debt of {$6400.00} that was purchased by XXXX XXXX XXXX XXXX. Please see attached documents. I mailed out A Debt Validation letter by certified mail to both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX on XX/XX/XXXX. USPS confirmed by tracking number that both letters were picked up from Post Office on XX/XX/XXXX. The original creditor for this account is XXXX XXXX XXXX alleged Date of service was XX/XX/XXXX. XXXX XXXX XXXX XXXX was added to my Credit Reports with XXXX, XXXX and XXXX the week of XX/XX/XXXX and company reported three accounts in total for the amount of {$2100.00}. All three accounts reported sum up to {$6400.00} the amount listed as being owed in Collection letter. Credit Reports also state all three accounts were open XX/XX/XXXX and they were last updated a XXXX XXXX. XXXX XXXX XXXX XXXX also reported the listed collections as being charged off in a XX/XX/XXXX. However XXXX XXXX XXXX previously reported all three same accounts with a opening date of XX/XX/XXXX. Accounts could not halve been charged off in XX/XX/XXXX as reported by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX have responded to my Debt Validation Letter they both received on XX/XX/XXXX. It sounds as if both Harvard and XXXX XXXX XXXX are Re-Aging all three alleged debts.
05/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60628	Web	Older American
On XX/XX/21 I was notified that something negative was placed on my credit report. I checked and saw a collection for {$450.00}. I didn't know what the charge was for so I disputed the charge on XX/XX/21, requesting additional information about the charges. The response that I received stated that the debit was verified, no documentation to support the charges. Prior to this I never received any calls, letters, or emails pertaining to this debt. Upon investigating I found that this is a debt from 37 years ago with the Illinois Dept of Human Services. My complaint is that this is on my credit report for I don't know how long and I was never given the option to settle this after 37 years. Isn't there some sort of statute of limitations on debts? If there isn't I should have been given the opportunity to settle this debt, as now my credit score has dropped because Harvard Collections took it upon themselves to put this on my report without allowing me to pay it off. This is a small amount of money and I hate that it has affected my credit rating for the next 7 years. I tried calling the company on XX/XX/21 and apparently you can't get through. I'm told to approve the message that I left, but the strange thing is I didn't leave any messages and wasn't given a prompt to leave a message. The number I called was XXXX. I would like to get this off of my credit report.
06/19/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OR 97333	Web
I was contacted months ago ( I can not say specifically when ) by XXXX XXXX XXXX, and they were seeking to collect a debt owed by a " XXXX XXXX ''. I explained that my name is XXXX XXXX and I didn't think they had the correct individual. They have MY SS # and d/o/b associated with the disputed accounts, however, and eventually reported this as an unpaid debt to XXXX. There were two accounts, one for {$62.00} that now indicates it has been " charged off '' and one for {$1100.00}. I disputed with XXXX. I contacted Harvard. XXXX reported on their investigation that the debt is " VERIFIED AS ACCURATE ''. I called the billing service for the original debtor and THEY indicated to me that my d/o/b does't seem to match the individual for whom services were provided. I have provided Harvard with a copy of my DL and SS card. Just today I got off the phone with Harvard and their " manager '' indicated two offers. Either to report the debt as disputed, or he was preparing to " offer '' me to remove the debt and he was calculating a dollar amount, a percentage of the total owed for what he says is three separate accounts. I am not satisfied with those two options. Harvard obviously purchased the debt from a physician 's billing group, and I have absolutely no idea where or who attached my personal information to the individual that received the disputed services.
09/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 622XX	Web
XXXX XXXX your company has repeatedly contacted me/ us, claiming that I owe a debt under Harvard Collection Services LLC account number XXXX. I do not believe that I owe this debt. Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I'm requesting you send me this alleged bill XXXX out with no balance per I have no written contract with this company. I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. I also demand that you do not sell/give anyone else any information regarding this alleged debt. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. The ONLY information I want to receive from this company will be the XXXX out invoice that I am requesting
03/25/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60007	Web
I am writing to report that the above debt collector violated Fair Debt Collection Practices Act ( FDCPA ) and reported invalidated debt into Credit Reporting Agencies. Upon reviewing my personal credit report on XX/XX/XXXX, I noticed that XXXX XXXX XXXX was showing on my credit file with XXXX, and XXXX credit report. The debt collector reported derogatory information to the above credit reporting agencies. I have no knowledge about the reported unpaid debt and debt collector. I have never received any letter or correspondence from the above debt collector that I owe debt and the name of the original creditor to whom the debt is owed. The amount of the above debt is {$580.00} and appeared on my credit file as unpaid debt as of XX/XX/XXXX. All my accounts such as credit cards have been settled with creditor and I pay every month as I agreed. The XXXX XXXX XXXX violated FDCPA and reported invalidated debt or portion thereof as delinquent account. I consider this action as a fraud under both federal and state laws. I have already initiated consumer dispute with Credit Reporting agencies and this is continues to report to any of my credit reports by XXXX XXXX XXXX, I will not hesitate in bringing to legal action against them under Violation of Fair Debt Collection Practices.
07/10/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60615	Web
Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX phone ( XXXX ) XXXX What happened? I took a look my XXXX credit report and found out this company had flagged a account it says I owe which I don't for collection on XXXX for balance {$14000.00} I also look on my XXXX report that has the same collection on it but in a different account number both are for the IL Department of Human Service which I do not owe any thing nor have I ever herd any thing from them on this. The same thing has happen to me with this company about three years a go and when I called them about it they did not ask for the account number all they wanted to know was my social security number and when I would give it to them they hung up I had to report them to the XXXX XXXX XXXX XXXX. to get this taken off my credit report and if any of this was true that I owe any government agency money they would have confiscate it from my income tax. when looking at the reviews and complaints the XXXX. received on this company ware they used the name of the IL Department of Human Service to put collections on numerous credit reports that had to be taken off. this company have never tried to make any contact with me by phone or mail or any other means to try to collect any thing from me.
11/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	GA 30078	Web
My Name is XXXX XXXX, I am the Mother of XXXX XXXX. My son XXXX XXXX was has recieved a letter in the mail stating that he owed a medical bill. XXXX XXXX is a young college student who did n't have insurance at the time of service he recieved at the hospital. A financial application was submitted on his behalf and was approved. XXXX in good faith upon recieving the letter, not knowing that he did not owe the bill. Tried to take care of the debt, however he did this action with out my supervision. Even though he is over XXXX My son need assistance at times because of a XXXX. Which is why I am writing this letter. XXXX gave information to this debtor who collected all the money he had in his account, which was XXXX. When I learned of this I had XXXX call them back, and ask them to return the funds, because he was within his 30 days to dispute the bill he did not owe. However he has never dealt with a debt collector. While I applaud his effort in trying to address thie debt, he was misguided. XXXX called and asked for his funds to be returned because he really could n't afford to pay, and he did n't understand at the time he tried to address the debt. However they have not made any attemp to return his funds.
10/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46312	Web
While in the process of repairing my credit I noticed an alleged debt from Harvard Collections Services LLC opened in XXXX of XXXX being reported for something that does not belong to me. On XX/XX/XXXX at XXXX XXXX XXXX I contacted Harvard Collection Services in regards to an alleged debt from XXXX in the amount of {$1300.00}. The agent that I spoke with refused to provide me his name and stated that the alleged debt was in fact mine and that it stemmed from over payment from the state of Illinois for state assistance between the months of XXXX to XXXX of XXXX. I have never resided in the state of Illinois and can't seem to understand why the agent to whom I spoke with advised that I would need to call another phone number and leave a message for a return call in which a representative would call me back for follow up in 7-10 business days. I never received the follow up. I called again on XX/XX/XXXX and left another message. It is now XX/XX/XXXX and I have yet to hear back from Harvard Collections. This alleged debt has been reporting for well over 30 years on my consumer report, which has reached well past the statue of limitations and reporting illegally.
10/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	SC 298XX	Web
I do not have a signed contract nor any contract with Harvard Co. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX PHYSICIAN. I am not responsible for this debt with Harvard Co. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of South Carolina to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX. I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing once again this alleged debt with your company as well as requesting debt VALIDATION. You have more than enough time for you to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, HENCE OWING YOU MONEY. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
06/23/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	NC 27127	Web
after checking my credit report on credit karma on XX/XX/XXXX an amount of {$2700.00} was placed on all 3 credit reports from Harvard collection on XX/XX/XXXX regarding an overpayment of benefits from the Illinois Department of Human Services. I contacted Harvard collection agency to dispute the collect. I was told that it was an overpayment of benefits from XX/XX/XXXX to XX/XX/XXXX. I was a single mom of 3 and any benefits obtained were in compliance with the departments rules and guidelines existing at the time of issuance. In the past 30+ years I have never received any documentation or court orders signed by a judge regarding this matter. What applicable statutes are they working under. I have contacted an attorney regarding this collection. The attorney contacted Harvard collection and has sent an appeal to them on XX/XX/XXXX. In return I have received via mail a document starting Hearing Scheduled Letter for XX/XX/XXXX @ XXXX via phone call. There is no court order just an appeal number listed that my attorney has responded to. This is the first time I have ever heard of this collection. Why now why this moment 30+ years later.
08/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ID 83686	Web	Servicemember
XX/XX/2021 a delinquent account listed as Harvard Collections appeared on my otherwise perfect credit report. The open date reported was XX/XX/2021, and the original creditor XXXX XXXX XXXX XXXX. The amount {$200.00}. I've never been contacted by mail, or phone by Harvard or XXXX XXXX XXXX. I've never been billed by either entity for anything, never lived in Illinois or had any financial dealings with that state so I disputed the entry with all 3 credit agancies. The information was not removed. I called Harvard Collections with the account number and was told that there is no statute of limitations on State Debt, however, I know there are limits on what can be reported. I asked for verification and was given a phone number for XXXX XXXX XXXX. I called 4 times and no one at XXXX XXXX XXXX could find any record of any debt owed by me. The negative information is still impacting my credit score and access to fair interest rates. If I owed a debt I have never known about, I've never been given the opportunity to even pay it prior to this damaging information being reported. It's extortion without causation or avenue for remedy.
11/21/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33615	Web
I am currently enrolled in a XXXX XXXX XXXX program for all my medical bills. Harvard Collections Service was deducting $ per month until I enrolled in the program. Once enrolled in the consolidation program, the agency were informed to cease deductions. They were provided the information to call to work with XXXX ; however, they continue to ignore and deduct without consent. In XXXX they continued to deduct which lead into XXXX and most recently in XXXX. I have spoken with the representatives and informed them to stop. They are calling repeated, continue to deduct from my bank account after they were instructed to stop. The deductions caused overdraft charges. I spoke with the manager, XXXX XXXX XXXX informed him he is violating my rights, deducted without consent. I sent an email and a certified letter ; however, filing a complaint since my efforts are ignored since XXXX. I will contact my bank and advise them any more deduction is illegal. they continue to run my credit every few months causing my credit score to drop dramatically which is effecting other issues. If you help that would be grateful.
04/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CT 06770	Web	Servicemember
I noticed I had three amounts on my credit report totaling XXXX from XXXX XXXX XXXX XXXX. I filed a complaint last month with XXXX XXXX saying I had no idea what this amount was for. XXXX XXXX contacted XXXX XXXX XXXX XXXX and a letter from them was delivered to my house but to a name not known to me, XXXX XXXX, saying I owed XXXX. I called XXXX XXXX XXXX XXXX and spoke with a rep named XXXX. I told him my name was different from the name they sent correspondence to and that I had no idea who XXXX XXXX was. He asked me for the last 4 digits of my social security member and that matched XXXX XXXX but our birth dates were completely different. He asked me to fax him a copy of my drivers license to prove I was telling the truth and I faxed it to him the next day. He told me that that would clear it up so I was surprised to hear back from XXXX XXXX that XXXX XXXX XXXX XXXX said the charge was correct and should stay on my credit report. I'm at a loss on what to do as I am not XXXX XXXX and I proved that. I'd appreciate any help you can give me to get this erroneous charge off my credit report, thank you.
11/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33139	Web
I just received a notice from Harvard Collection Services LLC dated XX/XX/XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX There is no such person by that name, but I am XXXX XXXX so I will assume this is intended for me. This is an attempt to collect a very old FAKE debt from XXXX XXXX XXXX, which has never been substantiated by XXXX XXXX and was dismissed in my XXXX small claims case against them way back in XXXX. Ever since, XXXX XXXX has ignored the court 's ruling and continues to disparage and harass me by repeatedly sending a series of their collection agency goons after me every few months, each reflecting a slightly different amount to make it seem like it's something new or different. Harvard Collection Services LLC is the latest company they've suckered into chasing this fake debt. Another problem for Harvard Collection Services is, this fake debt was already falsely reported to the credit bureaus by XXXX XXXX XXXX last year and I'm still fighting to get it removed. Therefore Harvard Collection Services claim is redundant. Note previous complaints filed on this matter XXXX XXXX
07/15/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60640	Web
I viewed my pristine credit report and to my horror saw a collection from Harvard collections dated XXXX in the amount of {$500.00}. I called Harvard collections and they stated that this is a debt from XXXX! This is clear violation of the law! 1. I Never received notice from Harvard of the alleged debt from XXXX! prior to listing on my credit report. 2. The debt is not mine! 3. The debt that Harvard is trying to collect is past the statute of limitations Harvard is well aware the debt is from XXXX! But Harvard is listing it as new XXXX and XX/XX/XXXX. I disputed with XXXX-updated stayed the same, filed a compliant with you- XXXX -received a letter from Harvard Collections post marked XX/XX/XXXX stating, They received information that I dispute the validity of the listing on my credit report. Please send information to support my dispute within 30 days. Information must be mailed in order to process my claim. 4.How can I send information that I do n't have, to me does not exist the debt is not mine! And debt is from XXXX! Harvard is listing as new in violation of the law!
01/14/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78216	Web
A CFPB complaint was submitted in regards to account with Harvard Collection Services on XX/XX/XXXX in regards to a medical account that had not been validated despite 2 good faith attempts with the agency. On XX/XX/XXXX the company responded by stating that they had already removed 2 of the accounts from my credit report and that the 3rd one was in the process of seizing collection activity and that a request for account to be deleted from all 3 credit bureaus was also being submitted. Upon reviewing my credit on XX/XX/XXXX and on XX/XX/XXXX the account was still on my credit report and reflecting a new date and no validation has been received nor any verification that this account truly belongs to me and is accurate. I am requesting that this account be deleted immediately as NO validation has been received to confirm that the account belongs to me and that it is valid and accurate. Furthermore, the agency has now falsely reported a newer date for the account and has FALSIFIED their intention of seizing collection activity and removing the account from my report.
04/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75243	Web
I noticed a change on my credit report. My score with Equifax dropped by 48 points in one day. I checked the report to find that there was a collection from Harvard Collections. There is no account information or any information other than the name of the collection agency and an amount owed ( {$200.00} ). The collection agency appears to be in XXXX, XXXX. I have never received notice any any collections due ( via email, phone call or any other form ). I've lived in Texas since XXXX. If there was any debt due, why haven't I been contacted? Why wouldn't I haven't contacted since being here more than 30 years. I don't know that this is my debt as I have no information about the debt. The date was placed on my report on XX/XX/XXXX. A collection agency or creditor should not be allowed to report a negative anything on your credit without notify you and giving you the chance to pay. This is a very unfair practice. Now my good credit that I've worked so hard to build was damaged with this one spot and I still don't know the reason for this item on my report.
02/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 600XX	Web
The Harvard Collection Service claimed to be collecting for Illinois Dept of Revenue. I spoke with XXXX XXXX on XX/XX/2014. She called at all hours of the day and night. She demanded on the date I provided that if I do n't agree to a payment plan that very day they would seize my XXXX Ford f-150 truck. I had just been released from the hospital and was too weak to even hold a phone myself, so my poor wife also exhausted from all we had been through recovering from XXXX and slow progression from that state had to hold the phone to my ear. I had to deal with this persons threats! I was shaking so hard I feared I would was going to have another XXXX XXXX, I explained my health crisis but all she cared about was collecting. I lost everything and explained, all I have left is a {$650.00} credit limit credit card to buy food with. She did n't care and forced us into a payment plan. I honestly just wanted the harassment to stop! We could n't afford to lose our only reliable vehicle and feeling hand cuffed we entered an arrangement under severe duress!
11/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33764	Web
Alert Type : Potentially Negative - New Collection Found On : XX/XX/2020 A collection change has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft. Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. SourceXXXX Alert DateXXXX Balance Amount {$910.00} Is Collection YES Open Date XX/XX/2020 Payment Status UNPAID ( D ) Status Date XX/XX/2020 Name HARVARD COLLECTIONS Street Address XXXX XXXX XXXX CityXXXX StateIL ZipXXXX Alert Type : New Account - New Account Found On : XX/XX/2020 A new account has appeared on your credit report. Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure. SourceXXXX Alert Date XX/XX/2020 Account Balance {$910.00} Payment Status XXXX Name HARVARD COLLECTION SERV Business Type YC Street Address XXXX XXXX XXXX CityXXXX StateIL ZipXXXX
04/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I notified Harvard Collection Services LLC on XX/XX/XXXX regarding a class action law suit against XXXX XXXX XXXX XXXX XXXX XXXX which was the supplier of my XXXX XXXX XXXX account. I informed them that these charges were inflated charges that resulted in a class action law suit for several claimants, myself included. I spoke to XXXX XXXX, today XX/XX/XXXX at XXXXXXXX XXXX and she informed me that she received my documentation and my account has been placed in dispute status of XX/XX/XXXX. However, despite my account being placed in dispute status, Harvard Collection Services continue collection actions as I received a letter ( dated for XX/XX/XXXX ) today XX/XX/XXXX. According to the Consumer Financial Protection Bureau and the provisions of the Fair Debt Collection Practices Act, the collection agency must stop all collection activity once a dispute has been received and the required verification has been provided to the consumer. Their continuance to collect this invalid debt is a violation of the Fair Debt Collection Practices Act.
09/06/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11230	Web
On XX/XX/2022 a collection for {$3200.00} USD posted to my credit report as collections. I am POSITIVE this is false. The supposed collections company is called Harvard Collections ( address in XXXX ) the phone number for them is XXXX XXXX XXXX. A woman answered immediately asking for my social security number. When I told her this was fraud and I felt uncomfortable giving that over the phone and I just wanted to speak XXXX someone to make a complaint to try and fix this, she HUNG UP ON ME!! I called back multiple times with no results and have since researched this place ( Harvard Collections ) and realized they have a SLEW of complaints posting crazy collections to people 's credit reports that are completely FALSE! I would really appreciate if someone could fix this for me asap and stop these people. My credit score dropped XXXX POINTS within days of this fraudulent collections claim. I'm devastated right now as I have a 100 % payment history and am extremely serious when it comes to my credit & credit history. Please help me!
02/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78723	Web
Harvard Collections Department of Human Services This was a debt for over payment of foodstamps which was paid of by subtracting foodstamps benefits from me. I have wrote in disputed this amount with the company I requested for paperwork along with a itemized over payment schedule. If I owe this amount I'm the sole owner. After reviewing reports from the specific location Where I sign up for the Foodstamp program a host of employees were caught for collecting foodstamps at there clients expense. This is why I ask for proof on paper of this so call over payment. All of a sudden this claim has been deleted. I requested for this to be taken off my credit report since Department of Human Services did not respond to my many request. This case was not fraudulent this matter was uncertain.. I love the fact when collection are being drop of my report but I like explanations. Was I right did Department of Human Services make a mistake. If not I will like confirmation in detail of this overpayment so I can rectify this situation.
09/02/2015	No	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	AR 72401	Web	Servicemember
I spoke with XXXX XXXX at Harvard Collection Services XXXX HSC ). She was very rude with me while I was trying to get information about the accounts that I have. She would huff and puff and acted like she had an attitude because I was asking for information on my account. She was very disrespectful when I asked about the account information. I missed XXXX payments with them because I am a XXXX in Advanced Indivual Training at XXXX XXXX, SC and was not able to contact HCS during business hours. I informed her that I was gathering informatiion and would call back. However, she began to get loud and yell and informed me that I was XXXX behind in payments and that I needed to take care of the issue. I again told her that I would call back and she got extrememly rude and informed me that my entire balance would be due in full the next time I called. This is unacceptable. I am a Soldier trying to get my finances on track and I am being treated like this over a medical bill. She was unprofessional and should be fired!
07/12/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NC 27127	Web
I previously filed a complaint with the XXXX XXXX XXXX and with the federal trade commission regarding a collection that was over 30+ years old. The collection company removed the amount from all three bureaus and close this matter. Today I received an email and a phone message from XXXX XXXX from the collection agency Regarding how to answer the appeal today. I received a phone call from a person named Judge XXXX from XXXX Of Illinois to hear my appeal and disclosed this matter I explained that this collection attempt was closed and she kept asking me if I was going to cancel the appeal or if I still wanted to do a hearing she stated she did not have any information that this account was closed I told this person Judge XXXX not sure if she is even a judge if there was no case there was no information that this was a close matter I contacted after my phone call ended XXXX XXXX to tell him to stop calling and harassing me over this 30 year old overpayment collection that was closed with the company.
06/08/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	KS 66102	Web
The department of Illinois Human Services put a debt item on my credit profile that I am not aware of. I never owed the state of Illinois any back payments of any sort! This is fraud on my credit report and the department needs to validate the debt. They put it under my legal name and could not find any debt. I didn't provide my personal social security number because that is private. I have not lived in Illinois since the late XXXX 's, and in XXXX I didn't live in Illinois I lived in XXXX, New Mexico. If the state is trying to collect on a debt over 30 years old I need to be informed in writing of the date the debt was first owed before putting these items on my credit profile, and anything containing my signature showing I owed this debt. My credit profile is clean and has always been! I need help with a resolution because this is bogus, and this happened around XX/XX/XXXX per my XXXX credit profile. Also, the collection company is fraudulent too, no one answers the telephone. Thanks.
07/21/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60707	Web
I received a notification from XXXX XXXX advising that a collection had been added to my account. There was no phone number or any other contact information listed. I XXXX the company name and was advised that they were attempting to collect a debt on behalf of XXXX. I advised them that I have not received cash assistance in over 20 years. I also advised them that I had never received any correspondence from them regarding the debt. And if I did owe any debt that Id filed a bankruptcy so all collection activity shouldve ceased. It is illegal to report an account for a second time to any credit bureau after the 7 year term. This account was placed back on my credit by this collection agency fraudulently. They reported this as new debt as of XX/XX/2020 but verified over the phone that it was more than 10 years old. They have reported false information to all 3 credit bureaus as if this is a new debt. This is considered Re-aging debt and this is illegal in the state of Illinois!
06/02/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 34983	Web
Harvard Collection Services owned this debt with account number : XXXX. I contacted Harvard Collection Services to verify this account that was not being reported accurately on my credit report. Harvard sent me a letter on XXXX/XXXX/2014, after reviewing their account on file they were deleting it from my credit report. The account was deleted from all three credit reports. Two months later the same account was sold to " XXXX XXXX '', I contacted them several times to dispute this account that had been closed. XXXX did not respond to my debt verification disputes for the past few months. XXXX resold the same account two weeks ago to another collection agency called " XXXX XXXX XXXX XXXX, formerly Integrity Solution Services ''. This account was closed from the original collection agency due to inaccurate reporting, and now has been affecting my ability to establish credit. XXXX has been ignoring my mail correspondence regarding the validation of this debt, and sold it again.
01/30/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64130	Web
This account was removed due to reporting unveriable and inaccurate they re-sold the account and re-inserted back on my credit report. First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
07/14/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76014	Web
HC began reporting on my cr in XXXX. I sent several letters via fax to validate, which they ignored ( illegal under Texas statue, a collection company must validate within 30 days in Texas ), until I filled a complaint with XXXX. They also continued to report to the cr even after receiving my dispute, which is not in compliance with the FCRA. Finally XXXX was able to get documentation for me. What HC provide is a joke! I requested a contract showing where I agreed to XXXX services ( which I NEVER HAVE ) .Until this day, I have not received it. The bill they sent me has my name misspelled and an address that I 've never lived at. It does n't have an apt # on it. I feel like HC is attempting to force me to sign a fraud affidavit in which I have to pay to have notarized! I am not wasting my money on the incompetence of this company! I have never had any account with XXXX! I will file a complaint with AG XXXX XXXX and the CFPB if they do n't provide what is requested!
09/01/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78216	Web
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under Harvard Collection Services. I requested a validation on XX/XX/2020 as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has it been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
07/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32780	Web
Collection agency called Harvard Collections is on my credit report they claim I owe XXXX dollars for overpayment of cash assistance with the Illinois department of human service, the name they gave is not the legal name I use the last name the have is not my last name and the address they provided is an address I have not lived at in over 30 years. I have not lived in Illinois in over 30 years and I have NEVER collected any cash assistance from the state of Illinois .I contacted Harvard Collection and spoke to a so called manager XXXXXXXX XXXX she gave me a number to IDHS collections department XXXX and upon investigation I found out that the number was not to the Real IDHS collections XXXX I called the number and they could not verify any of the information they had no knowledge of ant debt owed by the name or account number Harvard Collection had provided with them placing that on my credit report is fraudulent and needs to be removed immediately
10/14/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	FL 33312	Web
Harvard Collection ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) has started collection activity on XXXX alleged medical accounts by placing the XXXX accounts on my credit, XXXX and XXXX. ( acct # XXXX ) They are listed as being opened on XXXX/XXXX/16 and were put onto both credit bureaus on XXXX/XXXX/16. The insertion onto my my credit is collection activity. By law, FDCPA section 809 ( a ), collection agencies are required to notify the alleged debtor in writing within 5 days on starting collection activity. Harvard Collection did not and has not ever attempted to notify me before or after starting this collection activity in any manner as required by federal law. Secondly, both accounts appear to have the same account number and are from the same company. I believe they are also attempting to increase the negative impact on my credit by splitting these alleged bills into XXXX separate ones and cause double damage which is also against federal law.
12/27/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 11432	Web
The first they called me they asked me for my 4 digit social security and i didnt give it to him. The guy cursed me out, got rude, and threatened that my credit was going to be reported if i dont pay. Then they called my mom and said the same. When she said this isnt his number they said they dont care and they was going to call me untill they got a hold of me. Before that call i caller then 4 times and told them to take me off a do not call list. They are still harassung me and i has to block them. I see they reporter in my credit card reporting but makes no sense. I paid XXXX XXXX everything owed and there telling me that i have to pay them no XXXX XXXX. That makes no sense. Please help me review this these guys are harassing me and my mon and threatenung ne after tellin the to leave me alone. I told him i know my rights and they still dont care. One more thing they call from different numbers. My mom owne a busineee and they call her there.
08/24/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
I have been attempting to resolve issues regarding 2 items that are negatively being reported to my credit files ; which is hindering my ability to obtain new lines of credit and having a major negative impact on my credit score making it impossible to secure loan for the purpose to purchase property. I do not owe Il XXXX XXXX XXXX XXXX any monies ; prior to negative reporting to all 3 credit bureaus I was unaware of this account/ collection. XXXX XXXX or IL XXXX XXXX XXXX XXXX has not attempted to reach me by mail phone etc had they did would have given me an opportunity to request an internal investigation on this account. This account is reporting incorrectly is it not mine ; I do not have a contract/ agreement of repayment for these account. Lastly I would like to address the incorrect reporting of Chapter XXXX Bankruptcy this account is also reporting invalidly and I would like both negative entries removed immediately.
04/07/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 37160	Web
In XXXX XX/XX/2015, I received an alert that a new entry had been made on my credit reports by XXXX XXXX for over {$7000.00}. When I viewed my report, it only said that the original creditor was XXXX XXXX, but no additional information. Through the credit reporting agencies, I asked to verify the information. Additionally, I researched the company online and located several numbers that either had recordings ( I left messages ) or no answer. I located only XXXX email address and sent an email requesting a copy of the original bill. None ever was received and I had no contact from them. In XXXX, I contacted the Better Business Bureau. They received a response form XXXX XXXX saying that they would contact the original creditor for the bill and forward it to me. It has been over a month since then, and I 've received nothing. To date, I still have no idea what this debt is, when it originated, nor who it is from.
09/28/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77047	Web
After reviewing my consumer reports I noticed Harvard Collections appearing negatively. It seems to be violating XXXX XXXX XXXX XXXX ( XXXX ) by using deceptive means to collect or attempt to collect a debt or to obtain information concerning myself. I dispute owing any monies to this debt collector and I am requesting a declaration signed stating that was is written is true. I also request copy of a judgment against me for this alleged obligation. Because Harvard Collections have failed to comply with many provisions of the FDCPA I may seek remedies owed under XXXX XXXX XXXX ( d ) in a federal complaint. In visiting the XXXX XXXX XXXX XXXX this seems to be common practice for Harvard Collections. I am communicating through the agency that enforces the FDCPA and protects consumers. You have damaged my reputation and have caused arguments with my significant other a month prior to our wedding over this action.
07/08/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75035	Web
Harvard Collections, reported a negative trade line on my credit report as of XX/XX/XXXX. This is the second time this company has reported this same debt on my report, I had it removed back in XXXX as this isn't a debt I'm aware of, and the company states the original was over 30 years it supposedly be owed. I wasn't even aware that you could collect on a debt over 10 years, but moving forward... The company never sent out debt notice just updated on my credit report as a new collections debt in both incidence. The company removed the debt, and now 2 years later it's on my file again as a new paid charge off.as of XX/XX/XXXX in the amount of {$2900.00}. I have never made a payment nor been contacted for a payment on this debt. This is impacting my credit which dropped my score due to their negligence, falsifying attempted collections on a debt over 30 years and updating as though this was a new debt owed.
05/18/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60156	Web	Servicemember
I discovered my credit bureau reflected a collection for XXXX phone service via Harvard Collections. On XXXX XXXX, I called Harvard and spoke to a XXXX to request a copy of the letter she claimed was sent to me. I had already heard from XXXX prior collection agencies, and I disputed the claimed debt with very specific and documented reasons for my dispute. XXXX at Harvard claimed she would resend the letter via fax and email and remove the item from my credit bureau. This did not occur, so on XXXX XXXX, I wrote to Harvard with copies of my previous letter to other collection agencies explaining I did not agree with the debt and inviting litigation to resolve the matter. Instead on XXXX XXXX, 2015 I received a copy of XXXX 's erroneous bills. I wrote back to Harvard on XXXX XXXX explaining the bills were erroneous and in dispute. I have not heard back, and this item remains unjustifiably on my credit bureau.
03/10/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	GA 30013	Web
Harvard Collection Services , Inc. has placed a medical bill on my credit in the amount of {$2600.00} from XXXX/XXXX/2010. They admit that the bill is NOT mine and that it belongs to my daughter now almost XXXX. They even verified the address of the person who the bill belongs to which is an address that I 've never lived at. In addition before this was placed on my credit I never received any other correspondence regarding this debt. No opportunity to dispute this debt or challenge it 's validity. The only thing they say they can do is offer me a settlement for the balance. I asked them why they 're offering ME the settlement when the debt does n't belong to me. I was told it would be best to just pay it, because it will not go away - although it still will not be removed from my credit, it will just show as paid. I do n't owe this debt and have been penalized via credit for a debt that is n't mine.
04/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33065	Web
This communication is in response to Complaint ID : XXXX with Harvard Collections. I have received correspondence that Harvard Collections didn't receive any verbal nor written agreement from me in order to validation the debt as being mine, however I have stated that I don't recall owing them anything, and it is still showing on my report. This is a clear violation of my rights under the Consumer File Rights as well as the Fair Credit Reporting Act. If they aren't able to validation the debt, then they need to remove the item from my credit. As a matter of fact, I see another company on my XXXX credit report that appears to be collecting the same debt. I'm not even sure what this debt is, neither am I sure of whom I'm supposed to be dealing with in regard to its resolution. This item doesn't have enough support to validation ir being mine, let along negatively impacting my credit report.
08/16/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77546	Web
I am a victim of identity theft yet your company Harvard has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account Harvard collections in the amount of {$250.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/2018. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. One again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.
04/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60615	Web
Debt was paid in full to the IL Dept. of Human Services ( IL DHS ). Supporting documents attached. Harvard Collections has stated that it is not their responsibility to remove this item from my credit files at the XXXX major credit bureaus. They in fact have the sole responsibility of reporting to the credit bureaus per IL DHS. I have spoken with several representatives at Harvard Collections in person and via phone on numerous occasion. Harvard Collections has acknowledge that the debt has been paid in full. Harvard collections has a copy of the letter from DHS to confirm payment. Harvard Collections has stated to me that since the debt was not paid through them they are under no obligation or time frame to delete this information from my credit files. I have also sent several letters to Harvard Collection Managers. Harvard Collection has refused all my attempts to resolve this matter.
11/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60120	Web	Servicemember
In 2013 I paid off or settled all accounts on my credit report this one included. This debt was originated with the state of Illinois over 20 years ago. This collection agency has attempted constantly to reopen this collection by saying the State of Illinois asked them to. This is untrue and I have spoken to the State of Illinois and was told this agency is acting on their own and possibly manipulating the law. I owe them nothing, and will never pay on an account I settled, with one of their agents over 7 years ago. As a senior citizen and a veteran, it is very disheartening seeing this type of company preying on the old. Again all credit reporting agencies will be able to confirm this debt was settled and taken off my credit report in 2013. It should also be noted this company tries to portray they are connected or approved by the XXXX XXXX XXXX there is no proof of this.
05/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AR 728XX	Web
I have never had any services nor contracts with HARVARD COLLECTION OR XXXX XXXX This is the second company to attempt to put this fraudulent account on my credit report. I have already made it very clear I have never had services with XXXX XXXX nor given anyone permission to use my name. I also have not lived in New York State since I was in HIGH SCHOOL. XXXX XXXX XXXX XXXX XXXX XXXX. Also I have never lived at the address XXXX XXXXXXXX has on the account either. ALL was fraudulent and handled about XXXX ago, now ANOTHER company is attempting fraud with the same account. TAKE ME OUT YOUR SYSTEM and REMOVE from my credit report immediately. XXXX XXXX is well aware this was a fraudulent account so Im not sure why you have it attempting to collect FRAUDULENTLY. My next step will be to contact my lawyer because this is absolutely ILLEGAL & UNETHICAL PRACTICES.
04/17/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 30349	Web
Harvard Collection Services, located at XXXX XXXX XXXX XXXX, XXXX, Il XXXX Phone number - XXXX The above company placed a debt on my credit report that I did not open. I was neither called or notified of any debts owed. I have never opened any accounts in XX/XX/2021 as alleged and not paid. I am in the middle of purchasing a home and this was placed on my credit, They have over 60 complaints with the XXXX of this action also. After further research I found that this company creates invoices and places them on people credit report, or take years old debt and place as new debt to scare people into paying debts, They also use illegal and intimidating threats to threaten arrest and actions against people to scare them into paying false debts. I am requesting this information be removed from my credit report on all 3 bureaus and me notified immediately.
09/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 61614	Web
I received a letter from the State of IL dated XX/XX/XXXX regarding a past due debt owed to the IL Dept of Human Services. This debt is supposedly from the dates of XX/XX/XXXX - XX/XX/XXXX. As soon as I received this letter I immediately hand wrote a letter of dispute and mailed it to the dispute address of Account Offset Unit XXXX XXXX XXXX XXXX, IL XXXX. In the letter I requested documentation showing that this debt was owed by me and the reason behind it. I have never heard back from the dispute department regarding this debt. I received a notification that this debt was sent to a collection agency by the name of Harvard Collections. I want this immediately removed from my credit file and I want documentation that this debt is owed by me. I also filed for bankruptcy back in XXXX and if I would have included this if in fact this was owed by me.
07/13/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60640	Web
I checked my credit report the beginning of XX/XX/XXXX and noticed with horror that a collection account was reporting XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX., {$500.00}! I called Harvard Collection and the man told me that was a debt owed to the Dept of Human Services since XX/XX/XXXX! I told him that debt is not mine, no one has contacted me about a debt! " Oh, we do n't contact you we just put it on your report '', he said. Again, this is not my debt how do I get this off my report,?! " Oh, you got to pay this! ", he said. I filed an online dispute with XXXX and they replied the account has been updated. I did n't notice a change, still collections XX/XX/XXXX and XX/XX/XXXX. How can Harvard Collections knowingly re-age a debt from XX/XX/XXXX to be owing XX/XX/XXXX, not to mention the debt is not mine!
11/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 74012	Web
I declare under penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001. Additionally, these misstatements are punishable as perjury under 18 U S.C 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company - without my authorization- used my personal identifying information to apply for goods services or money and was successful in creating some accounts All ls being Investigated by the FTC .
02/11/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77502	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against HARVARD COLLECTION. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
06/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11220	Web
1st error : Collection name : XXXX A gym litterally took my account to collection. I signed up for blink fitness for 1 month in XXXX and cancelled my membership thereafter. Seems like they were still charging my debit card on file still and eventually that debit card wasn't working and there was a balance built up. They decided to take that balance to credit bureaus even though I never attended gym for the services I was billed for. Please help in removing this erroneous debtor on my report. 2nd Error : Collection name : XXXX XXXX XXXX XXXX debtor under Harvard collection is showing on my report added on XX/XX/XXXX. I have not lived in the subject apartment since late XXXX. I had called XXXX and cancelled my meter and it was never honored they kept billing me for electricity by error/mistake.
11/29/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85024	Web
I got a letter in the mail from a Harvard Collections claiming that I owe a company that I have never heard of nor received a letter from. The debt was from 2016 which is past the statue of reporting or even attempting to collect a debt. There was no information associated with the letter I received in the mail. This company has also started calling me after I advised to cease and desist and to not contact me as they would not release any information and requested to personal information from me but would not advise who they were or why they were contacting me. After the cease and desist was advised this company has called me several additional times. All within the past month. In the state of AZ any attempt to collect any debt after 180 days of the original collection company is against the statue.
05/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 10704	Web
A XXXX XXXX illegally carried over an old debt from a utility bill that they never filed in court under the 3 years of statute of limitations that ended in XXXX. Nor did they report credit agencies. Within the 5 to 7 years. They waited after statute of limitations expired to charge off the debt to XXXX XXXX in XXXX to restart the credit reporting for an additional 7 years illegally. Secondly the amount is incorrect the original Amount from account # ( XXXX ) address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. is {$2800.00} but the added the same account XXXX XXXX number with a higher amount {$4900.00}. At a new address XXXX XXXX XXXX XXXX XXXX XXXX XXXX . They illegally carrying over old balances to new balances and extending the statute of limitations. With a higher late feels and interest.
04/02/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 32828	Web
I sent a certified debt validation letter to Harvard Collections Services on XX/XX/2019. Harvard Services received the certified debt validation letter on XX/XX/2019. On XX/XX/2019, Harvard Collections sent me letter stating that they have the ( {$780.00} ) bill and the XXXX in the " Amount You Owe '' does not mean that I have a XXXX balance. Harvard Collections Services has failed to provide me with proof of validation- did not include Medical Consent, contracts with my original signature from the Original Creditor and not the collection agency. In addition, Harvard Collections Services revoked the authority of its registered agent in Florida to accept services on its behalf on XX/XX/2019. Therefore, Harvard Collections Service is not legally licensed or bonded to work in the state of Florida.
06/05/2020	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77498	Web	Servicemember
Company HCS ( Harverd collection systems ) constantly calls me over and over again about a medical bill they states i had service XXXX XXXX i explained to them i was not seen and i asked was this a emergency bill and what hospital is this amount coming from. The compant could not tell me exactly where the amount was coming from .I asked them several times to stop calling me and they keep contacting me harrassing me about debt i dont owe or dont know about stop contacting me they state i was the patient i couldnt have been unless someone used my information. i asked was it a child they said no either way it goes if it was for my child i would of provided insurance so they have the wrong person. The bill is on XX/XX/XXXX on new years day never been there send documenentation
08/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60008	Web
Company : Harvard Collection Services Address : XXXX XXXX XXXX XXXX, Illinois XXXX This collection agency has previously submitted a fraudulent debt under my name in XX/XX/XXXX. I disputed this debt with all 3 credit agencies and added a complaint on the XXXX XXXX XXXX sites as I do not owe or own the account in question. This debt was eventually removed from my credit report. This collection agency has again submitted the same fraudulent debt again in XX/XX/XXXX to my credit again. From my other consumer complaints listed on the XXXX XXXX XXXX website, this collection agency had repeated these fraudulent actions against other consumers using the same debtor and tatics. I will continue to dispute this collection and the fraudulent collection company.
10/25/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	IL 60438	Web
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference : Harvard Collection # XXXX {$780.00} On XX/XX/XXXX, I applied for an apartment and was told I had negative collections on my credit files. I was not aware of any collections and contact the credit bureaus XXXX, XXXX and XXXX and advised that the account do not belong to me, nor had I ever been notified about any past due account with this company. All three bureaus came back with the account had been verified. I was never contacted by any one nor can they validate that the accounts belong to me. I am waiting for some kind of documentation from the creditor so that I can dispute the debt, but as of today XX/XX/XXXX, have not been contacted in writing. XXXX XXXX SS # XXXX
10/08/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11203	Web
the debt that a collection agency is attempting to collect from me, the debt is a result of identity theft. First and foremost, I want to emphasize that I have been a victim of identity theft from a XXXX data breach. I have strong reasons to believe that the debt being pursued by the collection agency is not incurred by me, as I have never engaged in any transactions or activities associated with the alleged debt. The information provided by the collection agency as well as the original creditor, specifically the statements of when the debt was used, does not serve as definitive proof that I am responsible for the debt. It is crucial to understand that the mere receipt of statements does not establish my involvement in the transactions.
09/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92128	Web	Servicemember
In XXXX, I noticed Harvard Collection Agency had added a collection to my credit report ( all three ) without notifying me. I requested proof that this was my debt and disputed it with all three bureaus. Harvard collection agency informed me this was a debt from the State of Ilinois for welfare they wanted me to pay back from XXXX. I was not notified of this attempt in XXXX and nothing has been on my credit report until XXXX. After I disputed this debt, Harvard Collection agency removed the collection from all 3 bureaus and then added it back on in XX/XX/XXXX. I was not notified again about this debt and only noticed it when I received a credit score update that showed my credit score dropped for all 3 bureaus.
05/05/2017	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63111	Web
this company says it is a collection agency I have never done business with this company no ever had a contract are anything with them they are harassing me I would like for them to leave me alone this company say I owe them XXXX yet I have never heard of them and they also that they are a debt collection agency I have never done any business what so ever with this company and have never heard of them I believe they are an illegal company its against the law to put a collection on a persons account with out contacting them 30 days prior and in do n't no this place are who ever they say they are remove this from my credit report all 3 major reporting agency. called no answer phone ring then go busy.
06/12/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CT 064XX	Web
I was told by the credit bureaus that the original creditor rejected to remove any negative reporting as well as updating my balance to reflect XXXX despite providing me with a letter stating they would do so. I feel the creditor is sending me in circles because when I call to check the status of my dispute and to get more info on the process, they say that my account has been submitted to their sector that handles these claims and there is no way to speak to them and I have to just wait for a response. This has gone on for a number of months and I do n't believe this is legal or right to do so. I feel I have taken the steps provided to me and still nothing has happened.
12/11/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77089	Web
Im disputing medical bills that have been placed on my account from XXXX XXXX XXXX XXXX XXXX ( Original Creditor ) and HARVARD COLLECTION ( XXXX Account Number ) Collection account. {$2200.00} past due as of XX/XX/2019 Ive previously disputed this information with the original creditors ( XXXX XXXX XXXX XXXX XXXX ) and have previously provided them a police report for identity theft. The account was then removed from my credit and now after various years they are trying to collect again. Please have this corrected as I have contacted them and they are unwilling to remove this from my credit. - Contact Info for Harvard Collection XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX
08/16/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75160	Web	Servicemember
I was reviewing my credit report and this medical debt was on my credit report. I have not been to the Dr or hospital to have any debts reported on my credit report. I have not been notified or any bills regarding past due balances or debts owed. This is not my debt, I have not been notified of a debt nor do I owe any medical bills. Without proper notification of a debt owed or deby collection attempt received this can not go on your report without verification or attempts made to collect. I continue every couple of months to notice bogus debts added to my account which are not mine, this is unsettling. I want this removed from all 3 credit bureaus on my credit report.
05/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63367	Web
I am a victim of Debt Parking by XXXX XXXX XXXX XXXX XXXX, IL. I have never heard of this company and have never been contacted by this company regarding this debt that has placed onto my credit report a debt of {$1100.00} supposedly from the Illinois Department of Human Services who also has never made aware to me this supposedly debt. I have no dealings whatsoever with the State of Illinois and, have not even lived there in over 35 years. I am in the process of working to clean up and pay off my legitimate debts on my report when in early XXXX this month, I was notified through my XXXX account about this new debt from Harvard being parked onto my report.
02/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 775XX	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, is the result of identity theft.HARVARD COLLECTION IN THE AMOUNT OF {$540.00}. XXXX XXXX IN THE AMOUNT OF {$540.00} XXXX IN THE AMOUNT OF {$170.00} XXXX XXXX IN THE AMOUNT OF {$1000.00} XXXX XXXX IN THE AMOUNT OF {$570.00} ALL THESE CHARGES ARE A RESULT OF IDENTITY THEFT AND SHOULD BE REMOVED FROM MY CREDIT FILE IMMEDIATELY. I HAVE NEVER DONE BUSINESS WITH NONE OF THE ABOVE ACCOUNTS AND THEY HAVE NO CONTRACTS BEARING MY SIGNATURE. I HAVE INFORMED XXXX MORE THAN ONCE THAN THESE ACCOUNTS DO NOT BELONG TO ME AND ARE A RESULT OF IDENTITY THEFT PLEASE REMOVE.
05/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30082	Web
There is a collection that came on my report by the Dept of Illinois for {$600.00} in XXXX of 2021, this debt belongs to my sister XXXX XXXX, I have never had an account with the state of this nature, they even associated and incorrect social security number with the account. I spoke with my sister and it is on her report as it should be but should not be on mine. Never once was a validation of debt sent, or an opportunity to provide proof that it belonged to me, my rights are being violated and I want damages if not removed, it dropped my score down 36 pts when it posted to my account last month, and has since posted on all 3 credit bureaus.
04/05/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33313	Web
I call Harvard Collection services at XXXX around XXXX XXXX EST and spoke with representative by the name of XXXX. I asked him to provide information regarding a debt and he advised they were a collection Agency and have had my account since XXXX XX/XX/2019. I then asked him why was there no notice or information provided to me regarding the debt he said one moment why he researches that information, he then acknowledged that no notice was sent to me and he will transfer me to his supervisor and they would tell me why there was never a notice of debt sent to me. Company involved are XXXX XXXX XXXX in XXXX FL and Harvard Collection services
05/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 310XX	Web
I was alerted by XXXX, XXXX and XXXX that the collection agency by the name of Harvard Collection added two files to my credit report. I have disputed this in XX/XX/XXXX and again in XX/XX/XXXX with the aforementioned credit bureaus due to the fact I have never signed a contact or have an account with Harvard Collection. To no avail they did nothing. In XX/XX/XXXX I sent a letter asking the company to verify and validate said files. Attached is the letter that was sent. No contract bearing my signature was sent which was stated in the letter that was sent. It is illegal to have this on my credit report and I dont have a contact with them.
08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 47909	Web
There is a collection on my credit reports that is not mine. A collection is reported to credit bureaus by Harvard Collection Services. They list the original creditor as the Illinois Department of Human Services. I found that odd considering I have not lived in Illinois in over 20 years. Upon contacting the Illinois Department of Insurance they stated that the handwriting on the documents does not match mine and they suspect it was fraudulent. I have also contacted XXXX XXXX, XXXX, and could not reach XXXX to have this erroneous information removed from my report. I am seeking assistance in getting this removed from my reports. Thanks!
09/13/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75078	Web
I have been actively taken a role in educating myself on credit and financial literacy. Under the FDCPA, debt collectors are prohibited from engaging in unfair, deceptive, or abusive practices when attempting to collect a debt. I assert that your actions have violated these provisions of the FDCPA, which are in place to protect consumers like me from harassment and unfair debt collection practices. Provide verification of the debt, including all relevant documentation and account statements, as required by the FDCPA. I have reached out to Harvard Collection Services via certified mail, and I was ignored. My rights have been VIOLATED!
04/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30309	Web
Harvard Collections Services has called me twice with my last 4 of SSN, name, and addresses telling me I owe them money for XXXX County, CA and a few weeks later State of Illinois. They also said they " never call on behalf of other counties, let alone in the XXXX of California '' despite calling me about XXXX County a few weeks prior. They provided me a fake number with Illinois Department of Revenue to " verify '' this outstanding debt. I verified with the state and I owe them XXXX dollars. Clearly a scam/abusive and I am troubled because they are a contracted agency with the Illinois Dept. of Revenue. This is scary and abusive.
05/04/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	GA 30705	Web
we received a bill from Harvard collection services inc, I was not aware that i owed these doctors. original amt. XXXX settlement amt. XXXX then offer was made XXXX if paid on the phone. i had bad experience on dealings on the phone so i offered to pay by check, cashiers ck, or money order. at that time i was told that if i had concerns about paying on the i could pay on the phone and then close out my acct. then they said i could pay by ck. but amt would be XXXX to me this made no sense at all. this is what brought me to this point in time. the closing the acct. was so far off the wall i really became concerned.
11/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33409	Web
On XX/XX/2020, HARVARD COLLECTION SERV add a derogatory mark on my credit report per XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA HARVARD COLLECTION SERV has violated my rights as a consumer and I requesting legal action to remove this account immediately.
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33023	Web
Illinois department of human services stating that I owe {$840.00} I havent reside in Illinois for over 37 years This account was put on my credit by Harvard collection agency XX/XX/2023 It state that the account was open on XX/XX/2023 This fraud. I have not open any account with the state of Illinois.and dont owe any money Someone else must have my information receive benefit in Illinois I have not In 37 years, I havent received any letter stating that I owe the government any money. I called Harvard collection agency at XXXX XXXX They said that they receive it from the Illinois Department of human services.
12/12/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	DE 198XX	Web
On XX/XX/XXXX at XXXX, a man named XXXX XXXX from Harvard Collection Services called me asking to verify my name, social security and birthday, which were all correct, but I refused to verify the information because I do not owe any money giving XXXX no reason to call me and ask for verification of private information. Just to be sure I had no outstanding debt's, I looked up any outstanding balances which appears on my XXXX account. After seeing that in fact, I do not owe any money at this time, I called back and asked for the companies address, phone number, and name of the person with whom I was talking to.
07/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
I faxed written letter to company informing them that this debt does not belong to me. This debt continues to be resold to various collection agencies and each time I have had to dispute with credit bureau to get it removed from my report. I have contacted the original creditor who informed me that they no longer own the debt and that it is documented that it was not my debt. I have requested that this company validate this debt by providing me supporting documentation that validates debt, company has sent no communication. This debt needs to be removed from my credit report as it does not belong to me.
08/27/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KS 66062	Web
This company is continuing to add a collection to my credit reports erroneously. I have never had this debt never received a bill. Every 2 years I dispute it from Harvard collection who bought it from XXXX XXXX XXXX XXXX and they take it off and put it back on. I have not lived in Illinois for 20 years. This debt should have been charged off by now its too old. When I first heard of it was in XXXX and stated it was wrong now Im hearing about it again in XXXX. XXXX XXXX why are you harassing me it should have been charged off a long time ago and definitely not still on my credit report. Stop it!!!!
04/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08857	Web
This Company they did not have a complete of information of this debit, They have only my Name last digit social security and my original address, but they did not have a other info about the debt.The same debit was deleted previously from my credit report, from one other company that thy cant verified all the necessary information. Harvard Collection Service located on XXXX Il they are rude people they call me and the operator threat on me that the sheriff dept is on there way to arrest me if i do not pay over the phone, I contact my local police department to file a claim against of those threats
09/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY XXXXX	Web
In 2014 I was living in XXXX and laid off, NY department of social services paid my utility bills and I paid them back. Numerous collection agencies tried to collect on the debt and I submitted proof to CFPB years ago and CFPB even forwarded to FTC. All was removed years ago from my credit reports. Today all 3 credit bureaus are reporting this as a debt collection from Harvard collections in the amount of {$570.00}. I called them and they stated this is the same debt owed from 2014 that was paid and now is hundreds more. This was paid by the department of social services of NYC over 6 years ago.
04/19/2021	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 60502	Web
On XX/XX/XXXX, I was alerted that a collection was placed on my account. When I took a look at it. It was an old parked account that I disputed years ago. The same company IL department of human service. Harvard collection bought the account and put it back on my credit as if I just open and not paying on the account. This account is more than ten years old. And the amount listed is wrong as well. The amount listed is {$6100.00}. I put in another dispute. I took a major hit on my credit after working on it so hard. This information is wrong and out dated. I need assistance with this matter.
03/31/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60647	Web
I spoke with XXXX XXXX with Harvard Collection on XX/XX/XXXX at XXXX XXXX. I asked him did they send a notice of the collection prior to putting the collection on my credit report. Mr. XXXX said yes notice was sent on XX/XX/XXXX to XXXX XXXX XXXX XXXX, XXXX XXXX. I told him I don't live at that address nor did I live at the address during the time the notice was mailed. Mr. XXXX said the address was provided by the Illinois dept of Human services and they did there part by sending it. I did ask can it be removed from my credit report to allow me time to address the issue. Mr. XXXX said no.
04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44266	Web
XX/XX/XXXX I had XXXX as my cell phone and internet provider. There was a break in service which came from a tower issue. My fiance needed the internet for her business ( which is XXXX ). The service was interrupted for XXXX days, even though XXXX had been contacted daily ( and sometimes several times a day ), causing my fiance to lose clients and thus, money. This caused a financial hardship for her. After the XXXX day, we were forced to shop for another internet provider. XXXX was advised, but continued to bill me for the service, as well as late fees and early termination fees.
11/18/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85013	Web
The name of the debt collection company is Harvard. Today I received a call from XXXX XXXX XXXX XXXX. Caller ID showed XXXX XXXX. When I answered a person who barely spoke English and spoke with a heave accent, either XXXX or XXXX, asked for me by name and identified as being with Harvard Collection. I believe they are using this caller ID scam as a ruse to trick people into answering their phones. This is deceptive and they need to stop! I do not even know what type of debt they are trying to collect and I have been a victim of identity theft so it may not even be legitimate.
04/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 622XX	Web	Servicemember
Harvard collection. Based on state of Illinois law. You can not try to collect on an overpayment for food stamps or tanf if 12 months has passed from the original time the overpayment was given. They stating they overpaid in XX/XX/XXXX- XXXX from XX/XX/XXXX-XX/XX/XXXX and XXXX from XX/XX/XXXX-XX/XX/XXXX.First notices did not go out until XX/XX/XXXX that I never received mind u I was still getting benefits. The last notice that was sent out was XX/XX/XXXX which I never received. They wait till XX/XX/XXXX to put this on my credit report which could have been done years ago.
01/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 230XX	Web	Older American
im am being charged by harvard collection service and the orginal creditor was XXXX and i had sent cfpb information on this account and i got a letter 3 yrs ago that it was not owed. now they are coming after me again for the money they say i owe. XXXX is saying i owe XXXX and they want to settle for XXXX and it has been aredy written off the letter i received today is dated janurary XXXX. they are telling me that this was done 3 yrs ago.and i dont owe this money .and im not paying for something that i had sent your company before about this matter XXXX wrote it off.
08/17/2021	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	FL 33334	Web
XX/XX/XXXX I mailed a dispute letter to XXXX XXXX XXXX and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 200 complaints on BBB they also have over 100 complaints with the CFPB! THERE IS TWO DIFFERENT ACCOUNTS BALANCES WITH THE SAME EXACT ACCOUNT NUMBER BUT DIFFERENT OPEN DATES, HOW IS THIS OBVIOUS INACCURACY POSSIBLE? PLEASE DELETE ALL 3 ACCOUNTS
01/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 230XX	Web	Older American
im am being charged by harvard collection service and the orginal creditor was XXXX and i had sent cfpb information on this account and i got a letter 3 yrs ago that it was not owed. now they are coming after me again for the money they say i owe. XXXX is saying i owe XXXX and they want to settle for XXXX and it has been aredy written off the letter i received today is dated XX/XX/2021. they are telling me that this was done 3 yrs ago.and i dont owe this money .and im not paying for something that i had sent your company before about this matter XXXX wrote it off.
12/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33462	Web
HARVARD COLLECTION SER accounts # XXXX XX/XX/2019 Balances {$2000.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
12/17/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33462	Web
HARVARD COLLECTION SER accounts # XXXX Balances {$910.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel
04/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web
I received a letter from Harvard Collection Services trying to collect a debt for Illinois Department of Human Services for a balance of XXXX. After I got of the phone with them I contact the Human Service and they told me they dont know anything about this debt and also I didnt receive anything stated that I owe the government and they also said they would take money from the stamps that I already received to cover the amount that they gave me until it is caught up. I also googled them and it says Temporary Closed and they only had 1.3 stars
04/20/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IN 461XX	Web
I originally received from XXXX XXXX XXXX and I sent a letter dated XX/XX/XXXX to which I heard nothing Then I received a letter from XXXX XXXX to which again sent a letter to them XX/XX/XXXX. Again I received a letter from they to which again I sent them a letter no response. Then I received a letter from XXXX XXXX XXXX which again I responded again asking them to verify my debt per FCRA To which they responded with letters of debt but no varication of debt then they put on my credit report. I don't have copies of orginal letters. i
04/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75243	Web
An alleged collection company ( Harvard collection services Inc ) phone number XXXX XXXX and XXXX contacted me couple of weeks ago until present trying to collect an amount of XXXX . This amount was paid to XXXX XXXX located in XXXX , TX approximately 3 years ago which is I 'm pretty certain that I 've paid that amount. I asked the company to provide me their professional practicing license, they have n't gave me any. In this time, they 're keeping calling me to pay that amount inconvenient times during work and on weekend.
07/10/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33055	Web
HARVARD COLLECTION SERV XXXX XXXX XXXX XXXX, IL XXXX The collection agency is HARVARD COLLECTION SERV. The original creditor was XXXX XXXX XXXX XXXX XXXX XXXXI have never made any business with this people, I have NO knowledge of this account nor I owe any State Departments any money. I have already reported this to the Credit Bureau, but apparently this company tends to do this not only did they make my credit score go down XXXX points they do this to many other people. I read all the reviews this company needs to be investigated.
06/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78249	Web
This debt is affecting my credit bureau, I received no notification in writing of this debt, I only came across it in XXXX XXXX and then disputed it, and it was removed, however I then went to XXXX and disputed twice, stating this is not my debt, and they did NOT take it off..the company is XXXX XXXX XXXX opened XX/XX/21 for Il Dept of XXXX XXXX with a balance of {$1200.00}, there is NOT an account #, I WANT THIS OFF MY CREDIT BUREAU/XXXX, this is NOT MINE, I LIVE IN TEXAS AND HAVED LIVED HERE OVER 20 YEARS PLEASE HELP ME
05/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77073	Web
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is agains t Harvard Collections for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report. I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
04/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	IL 60148	Web
HarvARD COLLECTIONS ADVISED THEY WOULD DELETE MY COLLECTION IF I PAID THEM {$1700.00}. I BROUGHT THEM CASH AND THEY GAVE ME A DELETION LETTER BUT THE CREDIT BUREAU KEEPS SENDING INFO THROUGH XXXX XXXX ASKING THEM TO VERIFY THIS ACCOUNT SHOULD BE DELETED AND THEY WILL NOT RESPOND. THEY TELL ME THAT XXXX SHOULD CALL THEM. XXXX TELLS ME THAT HARVARD SHOULD CALL THEM TO REMOVE IT. NO ONE WILL PICK UP THE PHONE AND CONFIRM IT NEEDS TO BE REMOVED OR SEND THE INFORMATION THROUGH XXXX XXXX TO CONFIRM IT NEEDS TO BE REMOVED.
07/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33023	Web
Harvard collection agency is trying to collect a debit do not owe. I reported this agency it came off of my credit report last week and now its back on. I have a collection agency, and they stated that it was from the government of Illinois I havent reside in Illinois for over 37 years I have proof that Ive been living in Florida I sent this information I sent this information to your company. It was taken off of my credit report last week and now they put it back on. Im very upset about this. I feel this is fraud.
04/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77373	Web	Servicemember
On XX/XX/21 - XXXX Credit sent me an email of debt for {$1900.00} - I looked up the company and it was for Harvard Collection Company out of XXXX, Illinois. I called the number and they referred me to another number for the Illinois Department of Humana Services. I never received anything from them in a letter asking to dispute this debt. They never sent anything out letting me know any information on the debt or what it was for. the Collection Agency just slapped it on my credit, in the middle of a pandemic.
04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60624	Web
Viewed my credit report and notice that the same accounts that I previously submitted a complaint about is still on my credit report. I am a victim of identity theft and these accounts are fraudulent and does not belong to me. This process of trying to get my life back on track is becoming overwhelming due to these negative remarks thats on my credit report. These discrepencies that are on my credit report are holding me back from moving forward so I am asking that this problem be resolved as soon as possible.
07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60651	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
03/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 075XX	Web
A balance of {$530.00} was owed to XXXX XXXX. It was sent to two collection agencies. XXXX and XXXX. I contacted XXXX XXXX to determine who to pay they a said I could pay them directly. Which I did, the balance was paid in full. Subsequently, XXXX XXXX reported that I owed them a balance and added a negative collection to my credit. This balance has been paid in full and confirmed so by XXXX XXXX. XXXX reporting a balance AFTER it was paid in full and continues to report this as an outstanding debt.
08/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29456	Web	Servicemember
I tried to call the company about the utility bill in question and it is a company in New York from XXXX which I have been XXXX XXXX military since since XX/XX/2018 and was in college in Tennessee before that so it would have been impossible for me to live in New York at the same time. I have never received a bill or anything from this company the emails and phone number listed on the account were not any that belonged to me when speaking to the representative from the originating company as well.
06/02/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75248	Web
I called Harvard collection agency asking about the debt amount of XXXX to Illinois department of human service.They stated that the debt was old but harvard had received the debt since XXXX of XXXX I informed Harvard collection agency that I have not lived in the state of Illinois since XXXX and the agent told me there was no status of limitation on government debt I stated I would be fling a dispute which I have done with XXXX.Havard collection has done nothing and refuse to remove this old debt.
05/25/2017	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 337XX	Web
Harvard collections service had send me a debt collection bill saying that i owed them i wrote them a dispute letter saying to send be a debt verification, the debt verification they send me was a statement from the original that looks like a bill the bill statement states the statement date as XX/XX/17 and due date as X/XX/17 how is that a statement that is due next month but they are no longer handling the debt i am convinced that they send me a fake validation due to the dates on the statement
06/28/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MO 64134	Web
This company was listed on my credit report failure to send me anything in the mail giving me a right to dispute this debt that I DO NOT OWE. Not only do I not have a contract with this company they have been selling this unverified account from one collection agency to the next after I have thoroughly researched this matter and have disputed this account several times and since it has not been verified by the last two collections agencies they keep selling these unverified accounts.
04/30/2020	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	CA 90046	Web
To whom it may concern, I appreciate your time into looking into this matter. This collection is not supposed to be reporting on my credit report. Harvard Collections has not provided proper debt validation. The statue of limitations has passed. I do not have a contract with Hardvard Collections. They have no right to collect this debt. I believe that they are making a mistake since my name is very common. Hardvard collections has no rights to collect in my state.
08/16/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	IL 60628	Web	Servicemember
AFTER RECIEVING MANY PHONE CALLS, I SENT LETTER DATED XXXX XXXX, 2016 REQUESTING COMPANY CEASE ALL ATTEMPTS TO CONTACT ME PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). THIS WORKED UNTIL XXXX XXXX, 2016 WHEN CALLS RESUMED, THE MOST RECENT CALL CAME TODAY XXXX XXXX, 2016. ANY ALLEGED DEBT WOULD CERTAINLY BE OVER 10 YEARS OLD SINCE DATE OF LAST PAYMENT. THE STATUTE OF LIMITATION FOR LITIGATION HAS LONG PAST ( 5 YEARS FROM DATE OF LAST PAYMENT IN ILLINOIS ).
12/19/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33065	Web
I checked my XXXX credit report today, XX/XX/XXXX ... I saw that there was an account from HARVARD COLLECTION SER ( XXXX ) and I have never received a written notice of them attempting to collect the debt. This is a clear violation of the FDCPA as they have to let me know within 5 days of acquiring the debt that I owe them, and this has not been done. I have disputed this item already with a previous debt collector as I am not familiar with the amount in questions.
05/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 338XX	Web
Harvard collection company located in XXXX, has repeatedly refused to remove an inaccurate item from my credit report. The collection company has repeatedly attempted to make me pay for a medical bill that is not mine. I have sent them a certified letter demanding that they remove the inaccurate information from my credit file and requesting that they reinvestigate the debt in order for them to know that I did originate or have anything to do with the alleged debt.
04/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32164	Web
A collection from Harvard Collection appeared on my credit report in the amount of {$1700.00}. The original creditor is listed as XXXX XXXX XXXX XXXX XXXX. I have no knowledge of this debt and have not lived in the state of IL sinceXX/XX/XXXX, 11 years ago. I have had no communication from either entity for the last 11 years regarding any such debt. I have disputed this debt on the XX/XX/XXXX website and will also dispute it with the other two bureaus by mail.
09/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10462	Web
Hello I just recently got a change in my credit report and when I checked it was too Harvard Collections. When I called to find out more about the debt they said it's about a XXXX account. Which I explained I've never had a XXXX account under my name/social at any time since I lived in XXXX. After that they gave me the information and I spoke to a XXXX rep who now told me I have to basically go file a complaint through FTC and then file a police report.
10/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60610	Web	Older American
XX/XX/2023 {$1400.00} I checked my credit report, and noticed a deragotory remark. It a collection from Harvard Collection agency. My complaint is, the collection agency didnt send any written correspondence to me, via mail, before putting this on my credit report. They did not offer me an opportunity to take care of this before sending it. I thought companies are suppose to at least send you some type of information before taking this drastic step.
04/24/2017	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 305XX	Web	Servicemember
Received let ter from Harvard Collection in XXXX XXXX Called and explained services were not performed, hospital had sent over paperwork to verify previously to original debtor. Send certified letter disputing with in XXXX days, never received any response. Was told it was XXXX account, credit report is showing XXXX accounts. My understanding the account was resolved, but now has been sold to another party that is trying to collect it.
10/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07753	Web
A debt collection agency contacted me about a debt owed to XXXX XXXX for the time period of XX/XX/XXXX to XX/XX/XXXX in the amount of {$850.00}. I did not ever live at the address provided which was in XXXX XXXX XXXXXXXX and lived in a different state in the time period during which the fraud occurred. The company notated the debt but is requiring me to fill out this complaint, file a police report, and fax evidence of my residency to them.
06/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 600XX	Web
I was on payment plan with XXXX for overpayment of benefits that i was paying $ XXXX month for $ 700+ overpayment. I received a credit alert th at Harvard Collection ag ency was reporting this debt as collection item in XXXX . XXXX has con tinue to accept payments under the agreement we had. I do n't have a debt with Harvard Collection and they have caused my credit to suffer significantly by reporting this derogatory account.
04/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35211	Web
I got an alert from XXXX that HARVARD COLLECTIONS added a delinquent account to my credit report. There has been NO communication from this company regarding any debt that belongs to me. I have no dealings with ILLINOIS DEPARTMENT OF HEALTH SERVICES. I dont even live in ILLINOIS. This has negatively impacted my credit score by large numbers and changed my rating and they need to resolve this immediately. This is fraudulent activity!!!
11/30/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33714	Web
After receiving a bill from them I contacted them certified mail usps XXXX requesting debt validation. They then sent me a letter asking me to help prove to them that I do n't owe the debt but no validation. They have continued reporting to the credit bureaus for unvalidated debt amounting over {$17000.00}. I have a right to see the medical bill and dispute charges of services I never received. Continuing to report the debt is illegal.
10/31/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 307XX	Web
Notifications about debt were not being sent to the correct address. They were apparently sent to a previous address that I no longer live at, therefore, I did not know a debt collector was trying to reach out to me. I found this out by trying to get approved for a mortgage loan to buy a house, and i could not due to these collection debts. Harvard collection : ( medical ) opened : XX/XX/XXXX reported:XX/XX/XXXX balance : {$42.00}
04/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 61554	Web
Asked XXXX and XXXX to research a collection on my credit report from Harvard Collection. This investigation was closed on XX/XX/2019 stating that the amount was still owed when infact it was paid in full on XX/XX/2019. I asked for it to be removed from my credit report and nothing has been done to remove it and to update my file. This collection is hurting my credit score and I would greatly appreciate it being taken off.
05/20/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 62521	Web
I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation.
06/07/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MI 489XX	Web
Harvard Collection Services LLC XXXX XXXX XXXX XXXX XXXX, IL XXXX Is attempting to collect on a XXXX dollar debt that was paid in full over the phone more than four months ago. The money came out of my checking and went to XXXX XXXX XXXX XXXX XXXX XXXX IL. I hope this hasnt been hurting my credit score for four months because someone scammed me. The debt was on behalf of a stay at XXXX XXXX XXXX XXXX XXXX.
12/11/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85023	Web
This company Harvard Collection has called numerous times. They are asking for someone who does not reside here now or ever! We have had this phone number 4 plus years and my wife and I are the only people here. I have asked nicely for the calling to stop, and to remove our number. I was told two phone calls ago the number will be removed. I see that is not happening. Please have them stop, thank you.
07/11/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60153	Web
XXXX XXXX XXXX XXXX XXXX says owe them monies from 2007. I have not been a recipient since 2007 and they have recently taken my state taxes to pay off debt. This is a debt fro 2007 how is it possible when it was supposed to be dissolved after seven years. This debt is making it impossible for me to move into a new apartment. it is now showing up on y credit as closed but in collections.
09/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10452	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
04/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	GA 30144	Web
Harvard Collection Services placed a debt for {$660.00} for what appears to be a medical debt. I never received any notice of documentation that supports that I owe this debt. I'm asking to see and original contract & XXXX release form with my signature verifying this alleged debt. If they can not provide this debt, it shall be deleted from all 3 credit reporting agencies.
09/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75243	Web
I have been the victim of identity theft and had multiple accounts opened under my name without my consent including Harvard Collections ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX. I have previously provided FTC report documenting the fraudulent activities due to my identity theft and these companies haves failed to comply with FCRA reporting guidelines for Fraud/ID Theft.
03/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
Opened : XX/XX/2017 ( 4 mos ) Account status : Open Original Creditor Name : XXXX XXXX XXXX XXXX ... I went to this emergency room, but when I got there, the XXXX XXXX me 4 times wrongly and I did not want to move on getting XXXX and I refused to get treated. They then handed me a document to sign that I refused to get treated. So why do I have to pay for nothing?
12/22/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	AZ 85207	Web
I never received notice or a medical bill from this alleged creditor XXXX XXXX for medical service 's that were possibly not billed to my insurance company. I have never received a bill from XXXX general for any medical bills. I request details of charges in collection and why I was not contacted with a medical bill prior to initiating a collection proceeding.
04/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 622XX	Web
This debt was resolved in a court case and they had an opportunity to collect payments from child support which I was recieving through their office. However, is over 20 years old I do n't agree with. This debt was n't an issued until after I settled for a lump sum child support payment through their office. If I owed the state why did they issue my payments.
07/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AZ 856XX	Web
Harvard Collection Services XXXX XXXX XXXX XXXX XXXX, IL XXXX Says I owe Illinois Department of Human Service {$2900.00}. Supposedly opened XXXXXXXX XXXX XXXX This is incorrect, they reported it to the credit bureaus. This is the second time they did this to me. I disputed it last time and everything was removed. And yet here they are again doing it again
08/22/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL XXXXX	Web
This is not my debt and This is not a refusal to pay. It is a notice that I am disputing Harvard Company 's claim and requesting validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). Pursuant to the FDCPA, they must ( a ) provide the requested verification before continuing collection activity or ( b ) stop all collection activity.
08/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85383	Web
I received a collection letter from XXXX collections. I responded in writing and by phone. I told them the account was not mine and that I never opened an account with the original creditor. I thought the matter was settled. Then XXXX collection 's reported the debt to XXXX XXXX, XXXX and XXXX credit agencies. This has negatively affected my credit score!
05/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07407	Web
The credit bureaus have removed the collection account from my credit file and it was deleted permanently but somehow it has been reported back again. This time I'd like to file the a report first with the consumer protection bureau so that i can get more assistance to fight back this fraudulent account My identity was stolen to open this account.
07/14/2015	No	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	FL 33618	Web
I have been contacted by " XXXX Collections '' on XXXX occasions within the past 2 weeks regarding a debt that is owed by someone named " XXXX '', who I do not know. I have told this company XXXX already that I do n't know anyone named " XXXX '' and to stop calling me about " XXXX '' debt. The phone number for " XXXX Collections '' is XXXX.
02/26/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 77536	Web
I am a XXXX Recipient for XXXX- they trying to charge me for services not covered by XXXX- and I received an email from XXXX stating that I do not have to pay for it as I am a XXXX recipient. The service date was XX/XX/2017. My account number with XXXX XXXX XXXX XXXX is- XXXX My account number with Harvard Collections is XXXX
05/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46227	Web
The debt reported from HARVARD COLLECTION SER in the amount of {$450.00} is not mine. This is inhibiting me from attaining credit in order to purchase a new home or qualify for higher lines of credit. It isnt fair that fraudulent charges can make such an impact on someones life and their ability to make larger purchases.
08/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60419	Web
Harvard Collections opened onXX/XX/2018 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. This is a violation of my consumer rights because I was unable to dispute this debt. http : XXXX My Identity was stolen. I did not know about this account.
06/21/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NJ 08831	Web
Continually harassing and reported on my credit report a debt that i didnt owe and its not mine. It is a medical expenses and showing on my credit report violating the HIPAA privacy act. I would like to take legal action on this incorrect reporting and would like to follow up with the collection agency legally.
02/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
A collection account for a XXXX XXXX appeared on my credit from a Harvard collection agency XXXX XXXX XXXX XXXX XXXX il XXXX this is not me I have had 2 names my whole life XXXX XXXX XXXX name and XXXX XXXX married name they are creating a whole new identity on my social spoke to a XXXX XXXX very rude man
06/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30331	Web
Harvard Collections is reporting a debt on my credit file that needs to be removed. I recently took a look at my credit and noticed this debt reporting. This debt is so old, it should not be reporting. In fact, it is past the credit reporting limit under the FCRA guidelines. This needs to be removed.
10/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11356	Web
There is a fraudulent collection account reporting on my credit. Despite attempts to contact the collection company ( harvard collection ) and informing them that this is NOT MY ACCOUNT, they continue to report on XXXX. Please suspend any further reporting and collections on this account
03/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07071	Web
XXXX XXXX says I owe XXXX for service at an address that I was not living at the time they mentioned the debt is from XXXX and I contacted landlord company and Apt was leased to a XXXX XXXX XXXX from XXXX and I have lived in New Jersey since XXXX can you please help me in this matter
08/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33414	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX The Company listed above reported to all 3 credit bureaus a derogatory mark on XXXX XXXX, 2017 about a medical debt that has been in dispute for 4 years. This Company never contacted about this debt either by phone or mail.
08/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32807	Web	Older American
HARVARD COLLECTION SERV has been sending me collection notices in the amount of ( $ amount ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
04/13/2017	Yes	Debt collection I do not know	Communication tactics Called outside of 8am-9pm	CO 80237	Web
Over 20 phone calls from XXXX in two weeks, at least 2 times per day. The past 5 phone calls have been ; XX/XX/2017 @ XXXX XXXX XX/XX/2017 at XXXX and XXXX XXXX, XXXX at XXXX XXXX and XX/XX/2017 at XXXX XXXX. Will not tell me who the debt is originally from or what the debt is.
06/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72712	Web
ONCE AGAIN HARVARD COLLECTIONS ARE COLLECTING DISCHARGED DEBT LISTED IN CASE XXXX DISCHARGED XX/XX/2018. STATE OF ILLINOIS IS ALSO COLLECTING ON BARRED ACCOUNTS WHERE THE S.O.L EXPIRED ON BACK TAXES. SEE ATTACHED .WE ARE NOW GOING TO FILE A CLASS ACTION EFFORT SOON!
10/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 100XX	Web
I received a suspicious phone call from XXXX XXXX XXXX XXXX on XX/XX/2018. They didn't even introduce themselves and didn't say who the debt was for. I feel very scared about this and I immediately started crying. I need this to stop immediately. Please help me!!!
05/10/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 324XX	Web
Called my employer on XX/XX/XXXX, leaving a message with my manager stating they were an attorney trying to serve me papers. Today XX/XX/XXXX, they have called 6 times already, between XXXX XXXX and now. XXXX, XXXX, XXXX, XXXX, XXXX, and starting the day at XXXX.
03/12/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	IL 60619	Web
Harvard Collections Per IL DEPARTMENT OF HUMAN SERVICE is attempting to collect {$3200.00} from an account open XX/XX/18 from fraudulent services used to collect XXXX XXXX in my name i was never contacted but them until now i report this and no one has responded
03/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60564	Web	Older American
Harvard Collection is attempting to collect for a newspaper subscription I never had. It was in the name of my late wife who died in 1991. The claimed debt occurred 14 years after her death. I attempted to explain this to Harvard and they obviously do n't care.
12/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77583	Web
There is a collection that just appeared on my credit file that is unknown and I believe does n't belong to me. I need to have this matter resolved ASAP. I sent in a dispute but nothing received back. Harvard Collection # XXXX for {$140.00} Please help
01/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60123	Web
This account is fraud or identity theft! This isn't my account or something I did. This collection company hasn't made any attempt to verify to see if it was my account. This is a fraud account or fraud collection. Either way this isn't my account.
10/06/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 777XX	Web
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
08/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 777XX	Web
I do not have a signed contract nor any contract with XXXX XXXX XXXX. I have NEVER done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.
10/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 109XX	Web
harvard collections claims i owe them {$2400.00}. i do not owe them any money at all. this is inaccurate and its is very unfair becuase it is damaging my credit report with wrong information. it is creating an issue for me to purchase a home.
09/02/2021	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	NY 10950	Web
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2021 with a balance of {$2900.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
11/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30058	Web
i have tried numerous times to contact this company on my credit report that i have no knowledge of that is trying to collect over XXXX from me i have never signed a contract electronically nor in person with them nor any of there affiliates
08/12/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	LA 70127	Web
This is a medical debt that was sent to an collection agency ... I sent a debt validation letter disputing that debt and requested that this debt do not be reported to the credit agencies XXXX XXXX XXXX until this matter is resolved.
10/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60827	Web
Harvard collections posted a debt collection to my account I disputed the sever because it was discharged in my bankruptcy, they changed the account number a date on the debt. I submitted ocular proof and the debt still remains.
04/13/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX XXXXX	Web
They have called from several different numbers demanding to verify my SSN. They call continuously even on the weekends. This debt is also over ten years old. They bought this from someone else and demand that I pay them today.
05/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33060	Web
There is a debt collection in my name with XXXX XXXX for just about XXXX at an address in Ny where I did not reside, I am a resident in Florida. The dates are from XXXX. It is affecting my credit report as of XXXX of XXXX
07/23/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 338XX	Web
this bill was paid by my insurance at the time of service we have a statement paid, about 2 t0 3 years later we received a letter from this collection company say 's I owe the bill because the insurance wanted the money back
06/21/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 346XX	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX and I do not have a contract with HARVARD COLL plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1300.00}
12/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 604XX	Web	Older American
This was recently put on my credit, I have no knowledge of it and cant get in contact with anyone about it! I have reached out several times and no one could tell me anything or answer a call! I dont know what else to do!
12/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72712	Web
ILLINOIS DEPT OF REVENUE KEEPS RECYCLING TAX DEBT OUTSIDE THE S.O.L. EXPIRED AND TAX DEBT DISCHARGED IN BANKRUPTCY XXXX DISCHARGED ON XX/XX/2018. THEY USE HARVARD COLLECTION SERVICES AND XXXX, XXXX XXXX XXXX XXXXXXXX XXXX
06/26/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 183XX	Web
I have this debt in collections for a XXXX XXXXXXXX account that I never opened up. I was onlyXXXX at the tile this account was opened and I never lived in the address that was associated with the XXXX XXXXXXXX account.
09/26/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77449	Web
This company is sending me notices on a debt I do not owe. I requested validation and received which clearly states I do not owe. Please see attached. I would like them to cease all collections and remove this remark
05/03/2022	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 Difficulty submitting a dispute or getting information about a dispute over the phone	KS 66104	Web
This account was from XX/XX/1988 with Illinois XXXX XXXX XXXX XXXX over 30 years ago and XXXX XXXX XXXX purchased this debt and put it as a collection on my credit report without any knowledge of this debt at all.
01/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60656	Web
This the second time they put me in collections. Illinois XXXX XXXX XXXX XXXX was taking money out my account every month, therefore they should not have put me in collections!! Im still receiving funds from them.
07/09/2020	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 Investigation took more than 30 days	FL 33756	Web
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX, XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report XXXX XXXX {$380.00} HARVARD COLL {$1700.00} XXXX XXXX XXXX {$1000.00}
11/12/2018	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MO 641XX	Web	Servicemember
XXXX XXXX is really violating my rights I previously disputed this company and they are keep selling the debt to different collection agencies. How can we as consumers protect ourselves from these companies?
03/16/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	KY 40517	Web	Servicemember
Harvard Collection Services ( possible owner XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : ( XXXX ) XXXX and XXXX ( XXXX XXXX ) Fax : ( XXXX ) XXXX they are calling my ( XXXX ) place of employment.
09/02/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 37659	Web
Collection agency put debt on credit report without attempting to contact first. Agency will remove and collect properly or I will sue them. They will contact me by mail only. Refer to complaint # XXXX
06/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 750XX	Web
someone as been using my name and information to open various account and also rented an apartment with my name. i need this removed from my file please. HARVARD COLLECTION {$490.00} XX/XX/20XXXX XXXX
02/27/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32304	Web
I checked my credit report and noticed tow accounts from Harvard Collections for {$740.00} and {$290.00}. Not sure where these debts originated from but wiling to settle to pay to delete both accounts.
04/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CT 06611	Web
I have notified the debt collectors that these accounts never belonged to me. My private information was used without my knowledge to open multiple accounts in my name. Please correct immediately.
10/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	AR 72712	Web
COLLECTOR ONCE AGAIN FAILED TO SEND A TAX LIEN RELEASE VERIFICATION FOR THE ILLINOIS DEPT OF REVENUE SHOWING PAID/SATIED AND UPDATE XXXX TO REFLECT SO.SEE CFPB COMPLAINT XXXX, DATED XX/XX/2016.
11/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75019	Web
Never had an account with the company reached out via mail requesting a contract or any information that shows proof that I had an account and agreed to pay them. Nothing in response.
05/05/2019	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33313	Web
Harvard Collection as place a collection account on my credit report even though I've never been in any business with them. ask for verification of account but hasn't gotten any.
06/20/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 37659	Web
Collection agency put debt on credit report without attempting to contact first. Agency will remove and collect properly or I will sue them. They will contact me by mail only.
06/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 636XX	Web
A collection agency has now reported a debt that was over 20 years old and had been included in a bankruptcy. The reported item has been disputed. Item has not been removed.
04/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	FL 33803	Web
XXXX we are temporarily unable to complete this request. please try again later. Unable to file a fraudulent dispute on my account. I tried several browsers and devices.
11/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN XXXXX	Web
ONCE AGAIN HARVARD HAS DONE IT AGAIN. THEY FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS AND STP CONTACR REQUESTS WAS IGNORED. CEASE CALLING OUR CELL NO.
09/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	IN 46835	Web
COLLECTOR FAILED TO VALIDATE, CEASE AND DESIST AND SKIP TRACED FAMILY MEMBERS AFTER HOURS IN VIOLATION OF TCPA. skip tracer : XXXX at XXXX see attached records and vioce.
11/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77087	Web
Ask for a validation letter in which they can not provide for 3 different bills they say I owe open date XXXX2017 one bill for XXXX $ another for XXXX $ an lastly XXXX $
02/24/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33755	Web
I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit or need some more detail on this debt.
01/09/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
XXXX XXXX, XXXX ( 2 mos ) XXXX XXXX XXXX I have never been to XXXX XXXX XXXX XXXX and I do n't know where this hospital belong. Please remove this off my reports
03/16/2021	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 Investigation took more than 30 days	OH 43612	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
10/24/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37013	Web
I recently checked my credit report and noticed that this company has reported a debt that I have paid to another collection agency. It was paid to XXXX XXXX
11/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72712	Web
HARVARD ONCE AGAIN KEEPS COLLECTING BACK TAXES FOR ILLINOIS THAT ARE OVER S.O.L. OF 3 YEARS, ALONG WITH DEBT DISCHARGED IN BK XXXX XX/XX/2018, SEE ATTACHED.
04/15/2021	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	NY 105XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received investigation results.
12/14/2017	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL XXXXX	Web
They Refuse Too Remove This Collection Off My XXXX Credit Report I Had Health Insurance From My Employer During The Time Of This Service And Bill
11/23/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60153	Web
This Debt appeared my personal file and i do not know of this company trying to collect, this the amount of {$580000.00}, this Debt is not mine.
02/22/2017	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	VA 24012	Web
I did not receive my five day notice to dispute or a 30 day notice to dispute. I did not receive verification of debt I do not owe this debt
02/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31021	Web
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
12/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77706	Web
Trying to collect on an alleged debt after the after the Texas statue of limitations have been met. Please remove this debt.
02/02/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33411	Web
XXXX-17 XXXX XXXX {$230.00} Didnt receive any notification from of this debt, no phone calls and no notification in the mail
10/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IN 46835	Web
HAVARD ONCE AGAIN VIOLATED FCRA, FDCPA, TCPA. FAIL TO ADHERE TO THE COLLECTIO AFTER CEASE AND DESIST.ORDER OF SAID ACCOUNT.
08/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60615	Web
Collection reporting as closed versus being deleted completely from credit report as guaranteed after being paid in full!
07/10/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 78217	Web
I would like to know how to contact Havard Collections to close outa debt owed and to have it lifted from my credit.
09/09/2018	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	AR 727XX	Web
COLLECTOR HAS VIOLATED ALL CONSUMER PROTECTION LAWS THE LAST ONE WAS S.O.L. EXPIRED ON SAID DEBT SEE ATTACHED.
02/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	FL 33411	Web
We were under a mandatory state of emergency and considered a disaster area and had no electricity.
06/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10456	Web
I have proof I paid off my debt. As you can see I made payments arrangements with coned. Thank you
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37013	Web
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	IL 60106	Web
I will attach a letter for tax penalty collection. I never received any original bill for.
02/01/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72761	Web
SEND VALIDATION AND CEASE COLLECTIONS ANS CEASE CALLING OUR CELL 31 TIMES FROM XXXX.
02/01/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72761	Web
SEND VALIDATION AND CEASE COLLECTIONS ANS CEASE CALLING OUR CELL 31 TIMES FROM XXXX.
02/15/2021	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 32404	Web	Servicemember
Harvard Collection Service is RE-aging this debt. This dept os over 3 years old.
03/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	LA 70809	Web	Older American
Someone used my social security #, but with a different name, in XXXX thru XXXX.
05/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19124	Web
XXXX XXXX IS SENDING BILL FOR XXXX. NEVER OPENED ACCOUNT WITH XXXX
03/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60628	Web
I'm a victim of identity theft. Please refer to the police report!
01/22/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 44106	Web
Company failed to provide me with detailed billing and statement.
03/23/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 37211	Web
I already paid this debt and it is still in my record.
02/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44106	Web
I dispute the validity of this debt.
02/06/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60643	Web

01/24/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23220	Web

12/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60173	Web

11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 62090	Web

11/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53220	Phone	Older American

09/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28262	Web

09/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IN 46038	Web

08/17/2023	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	NY 10523	Postal mail

08/15/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 76016	Web

08/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 65020	Postal mail

08/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32810	Phone

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 27520	Phone

08/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46113	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34988	Phone

07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75078	Web

07/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL XXXXX	Web

06/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60426	Web

04/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10594	Web

03/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11372	Web

02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 02155	Web

01/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19465	Web

12/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60473	Web

11/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 11234	Web

11/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85208	Web	Servicemember

11/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 65742	Web	Older American

10/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60153	Web

09/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60060	Web

09/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10598	Web

08/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85255	Web

07/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 07020	Web

06/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11717	Web

06/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11238	Web

05/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33323	Web

05/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11211	Web

05/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60429	Phone

05/16/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75001	Web	Servicemember

05/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10306	Web

04/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53126	Web

04/12/2022	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 Investigation took more than 30 days	IL 60429	Web

04/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11235	Web

03/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55117	Web

03/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60438	Web

03/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 12180	Web

03/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60504	Web

02/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30034	Web

02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 18101	Web

01/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 13658	Web

11/09/2021	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	GA 30339	Web

11/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10701	Web

10/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08755	Web

10/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11235	Web

08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77091	Web

08/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60425	Web

06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46038	Web

06/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10463	Web

05/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01545	Web

05/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70802	Web

05/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27520	Phone	Servicemember

04/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 62226	Web

04/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10550	Phone

04/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33067	Phone

04/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33543	Web

04/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32210	Web

04/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11217	Web

04/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44125	Web

04/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55057	Phone	Servicemember

04/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33067	Phone

04/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76114	Web	Servicemember

03/24/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 75088	Web

02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Phone

02/15/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NJ 07208	Web

01/27/2021	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	FL 33545	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60438	Web

01/25/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77047	Web

01/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11357	Web

01/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 47906	Web

12/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60504	Web

12/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11358	Web

12/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33319	Web

12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60430	Web

11/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	FL 33068	Web

11/19/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60626	Web

11/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11364	Web

10/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76177	Web	Servicemember

10/21/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30039	Web

10/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77365	Web

09/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

09/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76559	Web	Servicemember

08/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60073	Web

07/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85282	Web

07/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web

07/20/2020	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	FL 349XX	Web

07/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60112	Web

07/04/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 85747	Web	Servicemember

06/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32792	Web

06/12/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 42101	Web

06/10/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10467	Postal mail

04/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60615	Web

04/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	VA 20105	Web

04/24/2020	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 Investigation took more than 30 days	GA 30214	Web

04/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11429	Web

02/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76210	Web

01/28/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11766	Phone

01/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60604	Web	Servicemember

01/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64138	Web

12/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	SC 29687	Web	Servicemember

11/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75007	Web

11/10/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30052	Web

10/25/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 31217	Web

08/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WA 98951	Web

07/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30248	Postal mail

07/28/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60615	Web

07/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 10473	Phone

06/16/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64114	Web

05/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93402	Web

04/12/2019	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	WI 54650	Web

04/12/2019	Yes	Student loan Private student loan	Getting a loan Confusing or misleading advertising	WI 54650	Web

01/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 10550	Web

12/17/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60629	Phone

11/17/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 64125	Web

10/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11229	Web

10/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22042	Web

09/12/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60181	Web

08/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 64117	Web

08/05/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64125	Web

07/24/2018	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 75227	Web

06/28/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	KY 42274	Web

06/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 32131	Postal mail

06/17/2018	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	KY 42274	Web

06/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75013	Web

04/29/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76543	Web

04/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10116	Web	Servicemember

04/07/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33312	Web

04/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33068	Web

03/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 33169	Web

03/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77075	Web

03/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Web

03/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10705	Web

02/20/2018	No	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 60411	Web

01/29/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Fax

01/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07712	Fax

01/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33405	Web

12/30/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60073	Web

12/27/2017	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	IL 60473	Web

11/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33803	Referral

11/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22193	Web

10/31/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60004	Web	Older American

10/21/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75904	Web

09/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60609	Web

09/22/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60609	Web

09/14/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85053	Web

07/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32305	Web

07/20/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33321	Web	Servicemember

07/06/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64134	Web

07/06/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	IL 60185	Web

06/16/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Postal mail

06/07/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22031	Web

06/01/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	VA 22534	Web

05/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 34758	Web

05/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60411	Web	Servicemember

04/26/2017	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89113	Web

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 21117	Postal mail

04/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 62014	Web

04/10/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	VA 22031	Web

03/27/2017	Yes	Debt collection Medical	Communication tactics Called after sent written cease of comm	NY 11209	Referral

03/24/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78352	Web

03/14/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75106	Web

02/21/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	CT 06340	Phone

01/27/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 64112	Web

01/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60466	Web

01/16/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60466	Web

01/11/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	LA 71322	Web

12/20/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78577	Web

11/27/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77845	Web

11/02/2016	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	VA 23847	Web

10/23/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 34223	Web

08/31/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	MN 55902	Web

07/26/2016	No	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	NY 14760	Phone

07/25/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 78254	Web

06/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 55413	Postal mail

05/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IL 60402	Web

05/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48122	Web

05/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30238	Web	Servicemember

05/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33351	Web	Servicemember

05/07/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	TX 76244	Web

04/14/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Attempted to/Collected exempt funds	IL 60103	Web

04/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11210	Web

02/24/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 91740	Postal mail

01/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NV 89434	Postal mail

01/21/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	IN 47303	Web

01/06/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NY 10032	Web

01/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95035	Web

12/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 23113	Web

12/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 32308	Web	Servicemember

12/15/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34743	Web

12/14/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	AZ 85308	Web	Servicemember

11/27/2015	No	Debt collection Medical	False statements or representation Indicated committed crime not paying	IN 47304	Web

11/22/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60563	Web

10/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33313	Web	Older American

10/21/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	LA 70128	Referral

10/06/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 62223	Web

10/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60099	Web

09/19/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 34473	Web	Servicemember

09/01/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MI 48197	Web

08/14/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32141	Web

07/26/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 45244	Web

07/10/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	GA 30263	Web

07/03/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 78550	Web

06/23/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TN 37087	Web

06/20/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 32092	Web

06/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	UT 84405	Web

06/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AL 35611	Web

06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33029	Web

05/25/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MI 48763	Web	Older American

04/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60805	Web

03/31/2015	No	Debt collection Medical	False statements or representation Attempted to collect wrong amount	TX 78596	Web	Older American, Servicemember

03/31/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33313	Postal mail

03/30/2015	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	FL 33616	Web

03/27/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27542	Web

03/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OK 73112	Phone	Servicemember

03/10/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	FL 34698	Web

03/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 75126	Web

03/02/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89131	Phone

02/24/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 23324	Web

02/24/2015	No	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	NJ 07823	Referral

02/23/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75126	Web

02/14/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	TN 37074	Web

02/13/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 15234	Web

02/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	NM 88007	Web	Servicemember

02/11/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 45302	Web

02/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27520	Web

02/11/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	MD 20746	Web

02/07/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90013	Web

02/05/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 47933	Web

02/04/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30106	Phone	Older American

01/26/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 33033	Phone

01/21/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33180	Referral

01/20/2015	No	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	FL 33614	Web	Older American, Servicemember

01/20/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NV 89460	Web	Older American

01/20/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TX 75126	Web

01/11/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	PA 17319	Web

01/09/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 55941	Web

12/30/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77065	Web

12/29/2014	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37217	Web

12/23/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 33619	Web

12/17/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32862	Web	Older American, Servicemember

12/15/2014	No	Debt collection Medical	Taking/threatening an illegal action Attempted to/Collected exempt funds	TX 75240	Web

12/10/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32506	Web	Older American, Servicemember

11/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 79357	Web

11/30/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	IL 60428	Web

11/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29607	Web

11/10/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29707	Phone	Older American, Servicemember

10/23/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	FL 32809	Web

10/21/2014	No	Debt collection I do not know	Communication tactics Threatened to take legal action	CA 95061	Web	Servicemember

10/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94591	Web

10/16/2014	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 95123	Postal mail

10/11/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	FL 33567	Web

10/10/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	CA 92117	Web	Servicemember

10/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91607	Postal mail

10/02/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	CA 90061	Web

09/25/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IN 46341	Web

09/24/2014	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	WV 25143	Web

09/18/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98042	Web

09/18/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated shouldn't respond to lawsuit	NV 89107	Web

09/17/2014	No	Debt collection Medical	Improper contact or sharing of info Contacted me after I asked not to	SC 29588	Web	Servicemember

09/04/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33176	Referral

09/02/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28574	Web

08/26/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	LA 70508	Web

08/21/2014	No	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	TX 77488	Web

08/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 10459	Phone	Older American

08/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92019	Web

08/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WV 25302	Web

08/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	NH 03038	Web

07/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60018	Web

07/26/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OR 97062	Web

07/24/2014	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	IL 60611	Web

07/20/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60626	Web

07/01/2014	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	CA 95336	Postal mail

06/26/2014	No	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TX 77044	Web

06/21/2014	No	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 75227	Web

06/17/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	CA 94109	Web

06/17/2014	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33624	Web

06/16/2014	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78570	Web

06/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92130	Referral

06/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	OR 97062	Web

05/27/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 62810	Postal mail	Servicemember

05/22/2014	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 55115	Web

05/22/2014	No	Debt collection I do not know	Taking/threatening an illegal action Attempted to/Collected exempt funds	IL 60629	Phone

05/08/2014	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OR 97062	Web

05/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60193	Web

04/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32258	Web

04/24/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60805	Web

02/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37771	Web

02/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 10701	Web

01/14/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10701	Phone

12/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55076	Web

12/16/2013	No	Credit reporting	Incorrect information on credit report Information is not mine	AL 36693	Web

11/27/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	IL 60067	Web

11/25/2013	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11010	Web

11/18/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60104	Phone

11/12/2013	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 08055	Web

10/14/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11106	Web

10/05/2013	No	Credit reporting	Incorrect information on credit report Information is not mine	NJ 08804	Web

09/20/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	CA 95061	Web	Servicemember

09/13/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06111	Web

09/05/2013	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	AZ 85755	Web

07/31/2013	Yes	Credit reporting	Incorrect information on credit report Account status	MN 55344	Web