SQUARETWO FINANCIAL CORPORATION CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/04/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94404	Web	Servicemember
Cach LLC ( o wned by Squaretwo Financial Services ) is falseley reporting a collection account on my credit report to XXXX and XXXX . I sent a debt validation/dispute letter via certified mail in XXXX XXXX , and Cach LLC responded, but they sent no verification. Cach LLC 's response letter included XXXX violations of the California Fair Debt Practices Act ( CFDCPA pursuant to California Civil Code Division 3, Part 4 Title 1.6., 1.6C., 1.6C5., and 2.97. In addition, Cach LLC also violated 5 corresponding federal violations under the Fair Debt Pracitces Act ( FDCPA ), which are enforceable under state law in small claims pursuant to the Rosenthal Act. As a result, I followed up with a second letter in XXXX acting in a good faith effort to resolve the issue. Cach LLC re sponded with a carbon copy version of their first response. It was apparent that nobody read my second letter, nor did they care to comment on their XXXX California state law violations of the CFDCPA. I gave Cach LLC court esy calls to discuss a resolution, but once again they refused to verify the debt or remove it from my credit reports. In XXXX of XXXX I filed a small claims lawsuit agains t Cach LLC ( SquareTwo Financial Services ) in the state of California. Cach LLC promptly made a motion to vacate t he proceedings based upon an existing bankruptcy filing on their behalf. Therefore, as required by law, the judge had no choice but to vacate the hearing, because Cach LLC has indeed filed for bankruptcy as of XXXX of XXXX . I once again reached out to Cach LLC and as ked them to remove the debt due to their bankruptcy status, but they said they would continue to collect debt while actively filing for bankruptcy. At this point, no consumer in the United States has any legal recourse against Cach LLC due to their bankruptcy status. Which means that they have all the freedom in the world to violate any and all laws under the Fair Debt Collections Practices Act, and nobody can sue them for their violations due to their bankruptcy status. I can not believe this is legal, because this debt collection company has free reign to violate all debt collection laws at will now that they have filed bankruptcy. I request that the CFPB review my documents and verify the XXXX violations of the CFDCPA committed by Cach LLC, and pursue regulatory actions against this entity for its calculated violations. Cach LLC is violating the law in an effort to increase their ability to collect debts with no legal accou ntability to consumers due to the protection provided by their current bankruptcy status. Upon the conclusion of a successful investigation by the CFPB, where they were to find no verification of this erroneous debt ; I would hope that the CFPB can enforce an injuctive action against Cach LLC requiring them to remove the false debt from my credit reports. These are the CFDCPA violations committed by Cach LLC : California Civil Code Division 3 Part 4 : Title 1.6. : 1 ) 1785.25 ( a ) Cach LLc furnished inaccurate information to the CRA 's 2 ) 1785.25 ( c ) continued reporting to CRA 's without marking account " disputed '' 3 ) 1785.26 ( b ) never sent notice before reporting negative information 4 ) 1785.26 ( c ) did not mail negative info notice within 30 days of reporting 5 ) 1785.26 ( d ) Cach LLC liable for the previous violatio ons 6 ) 1785.30 Cach LLC did not acknowledge demand/dispute within 30 days Title 1.6C. : 7 ) 1788.17 pursuant to the Rosenthal Act all FDCPA violations are inclusive : 8 ) 807 ( 2 ) ( A ) False representation of character amount 9 ) 807 ( 8 ) failure to communicate a disputed debt as disputed 10 ) 807 ( 10 ) use of false representation to collect a debt 11 ) 807 ( 11 ) 1st communication failed to disclose " this is a debt collector '' 12 ) 808 ( 1 ) collection of amount not authorized by agreement Title 1.6C.5. 13 ) 1788.52 ( a ) Failed to possess mandatory documents prior to communication 14 ) 1788.52 ( a ) ( 1 ) failed to provide proof of sole ownership of debt 15 ) 1788.52 ( a ) ( 2 ) failed to separately identify the charge-offed balance 16 ) 1788.52 ( a ) ( 3 ) failed to note the date of default and the date of last payment 17 ) 1788.52 ( a ) ( 4 ) failed to provide original creditor info ( acct #, name & address ) 18 ) 1788.52 ( a ) ( 5 ) failed to provide my name and address at time of charge off 19 ) 1788.52 ( a ) ( 6 ) failed to provide name & address of previous debt owner s 20 ) 1788.52 ( b ) failed to provide copy of contract or monthly statement 21 ) 1788.52 ( d ) ( 1 ) failed to include " you may request '' notice in 1st communication 22 ) 1788.52 ( d ) ( 2 ) failed to include time barred debt notice in 1st communication Title 2.97. : 23 ) 1812.700 ( a ) failed to include Rosenthal Act notice in 1st communication
03/07/2017	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	VA 236XX	Web	Servicemember
After disputing the following debts with Equifax 2 times they have come back as saying verified but have shown no proof of how this debt was verified there are strict requirements how debt must be verified IAW the FCRA. They are required by FCRA to verify with the files they have on hand not by e-oscar or electronic coding. The Fair Credit Reporting Act ( FCRA ) requires the Credit Bureaus ( Equifax, Experian & Transunion ) to have PHYSICAL COPIES in THEIR files of documentation to support each account being reported. NOT THE CREDITOR, THE BUREAU! Under the FCRA, Credit Reporting Agencies ( EQUIFAX ) must provide a copy of the verifiable original creditor documentation if it is requested properly by the consumer. Since Equifax can not provide phyproof of verification to me in the form of a physical contract document per my written request to do so - the account is classified as " UNVERIFIED '' and under the FCRA -all UNVERIFIED accounts MUST BE DELETED. *The FCRA requires that all Credit Reporting Agencies or " CRA 's '' VERIFY ALL INFORMATION received from creditors BEFORE this information is added to my credit file. Proper Verification According to case law : the CRA/Bureau must have copies of the ORIGINAL SIGNED APPLICATION in THEIR FILES! FAIR CREDIT REPORTING ACT ( Specifically Section 609 on Page 35 ) : FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( Page 35 of the FCRA Included ) : ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information IN THE CONSUMER 'S FILE at the time of the request EXCEPT that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; 610. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( Page 45, FCRA ) ( a ) In General ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification. ( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing. Hence, since I as the consumer have asked the Bureaus/CRAs to VERIFY the information being reported on my credit report, IN WRITING AND PROPERLY IDENTIFIED MYSELF ( Driver 's License & Social Security Card ) equifax is required to disclose the documents in which they are required to have on file ( original signed application ) or remove them immediately! FCRA 609 ( Page 37 ) ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by theagency to the consumer under this section -- E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, UNLESS the information is outdated under section 605 or CAN NOT BE VERIFIED. 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( Pages 3-7, FCRA ) g ) The term " file, '' when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( 2 ) Verification ( Page 7 ) ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumer 's application
12/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33324	Web
I am having an extremely bad experience with CACH , LLC and its agents XXXX XXXX and LAW OFFICES OF XXXX XXXX, XXXX. Apparently, CACH purchased the commercial business loan debt from XXXX Bank of my XXXX , XXXX in XXXX XXXX. My corporation started operations in XXXX and, as a result of the economic recession, it went out of business in XXXX. Since then, I 've been winding up my corporation 's affairs and continue to pay the XXXX Bank debt on a timely basis until XXXX. However, XXXX was a very difficult time for my family that not only went through a XXXX accident that I had to spend a week at a hospital with a XXXX but we endured unemployment. When I was back on my feet, I continued making payments to XXXX Bank ( see record attached ) and worked with XXXX Bank 's recovery unit representatives to resolve this debt, always as corporate officer for XXXX. We were in the process of settling this corporate debt with XXXX Bank 's agents when I asked for a copy of the Business Loan Agreement or Promissory Note. The next thing I learned was that the debt was sold to CACH. CACH, without carefully reviewing the business loan documentation, reported this commercial business debt as " personal '' debt to the credit bureaus against my wife and myself, ruin my family 's good credit. In light of such false reporting, I stopped making any payments and requested that CACH remove the business debt reported against my wife and myself, from the credit bureaus. CACH refused to do so based on the application for the commercial loan that included the information of the corporation and its officers but it was clearly signed solely in corporate capacity. This was not a credit card debt where the application represents the business agreement and is the only document that is signed. This was a business loan with a local banking institution and I was required to go to the bank to sign all business loan documents. As part of those documents, I DID NOT sign a Personal Guaranty or a Promissory Note in my individual name, neither my wife. I sent several letters to the credit bureaus and still CACH was allowed to ruin our family credit based on a preliminary application. CACH, through its agents, is trying to collect a debt of {$36000.00} that according to the last records I received from XXXX, the debt balance was {$28000.00} ( see attached ). I even engaged a lawyer to settle this debt. However, CACH response to my settlement offer was that we " look into any savings, 401K, IRA 's, Cash Value in a life insurance, open lines of credit, 2nd mortgage, or get with family '' to come up with the full amount of the debt. This is simply outrageous. This is a business debt, I do not have access to any of their " suggestions '' and, unfortunately, I can not afford legal representation either. On XXXX XXXX, XXXX, the Law Offices of XXXX XXXX, XXXX sent a demand letter to my wife and myself. Although, the letter on its face claims not to be a threat to sue ( XXXX is in Arizona ), the fact that the letter comes from a " Law Office '' has the same effect ( see attached ). This is another deceitful, illegal and outrageous way to collect a business debt from individuals without proving the personal liability. A year of this collection nightmare has elapsed, and because of this abusive collection practice performed by CACH, our family has no longer access to financial resources due to the collection record in our personal credit report. I have XXXX daughters in college and I can not get any student loans for them or any other loans at all. I do not deny the corporate debt but I do deny any personal liability. All I want is for XXXX to remove this business debt from my credit report and be able to settle this business debt as soon as possible. Please help. Thank you.
01/19/2017	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 90808	Web	Servicemember
This complaint is against CACH , LLC, dba XXXX & XXXX. Funds were levied from an account to which I have no financial interest & which contained the direct deposit proceeds of my mother 's social security benefit payments. The funds taken exceeded the maximum as stated. Funds were not posted or forwarded as I was told had been done and were held for a period of two years after seizure. Both organizations failed to respond in a timely manners with accurate information to my requests or to the requests made to each other resulting in an erroneous accrual of interest and continued damage to my credit rating. As a result of errors a second account was erroneously levied and an additional amount seized from a savings account which contained the proceeds of my husband 's Veteran 's Administration XXXX Benefits. To this date I have received false information and have yet to get resolution to this matter. I am seeking your assistance. The particulars follow. Due to an unexpected job loss and {$80000.00} per annum in income coupled with a sudden increase in expenses my husband and I found ourselves in a difficult and very emotionally painful situation of having to renegotiate our credit card debt. We were unable to come to a resolution with XXXX and the balance continued to rise exponentially even though we were making payments. In lieu of this we decided to focus our efforts elsewhere and unfortunately the account went into default. The account was purchased by CACH/XXXX. A judgment was ordered by XXXX XXXX XXXX Court and a default judgment entered on XXXX/XXXX/XXXX. I did not fight the judgment because I did in fact owe the money. I did not agree with the amount but felt that there was little I could do. On XXXX/XXXX/XXXX just before the XXXX Holiday when banks and businesses are closed, a levy was sent to XXXX in XXXX, AZ and funds in the amount of {$4800.00} were withdrawn. No notice was given and it was only discovered when my mother went to access her account. This account was my Mother 's Social Security direct deposit account. I was listed, along with my sister, as joint in the event that my mother needed emergency funds and was unable to access them for any reason. After multiple phone calls back and forth between myself, XXXX XXXX, and CACH/XXXX as I attempted to have the illegally seized funds returned to my mother without success I made an agreement with my mother to pay her back. At this point I considered the matter closed and made restitution to my mother. Over one year later, in XXXX I received a notice from CACH/XXXX stating that the amount was still outstanding. I immediately called them and after being transferred around several times talked with XXXX XXXX who assured me that the matter would be resolved and that the funds were with the XXXX County Sheriff 's Office. She would not give me a phone number or contact that I could follow up with stating that the matter was between them and the Sheriff 's Office. In XXXX, XXXX I received a letter from CACH/XXXX stating that they were willing to renegotiate the amount owed and wipe out up to 70 % of the debt. As the XXXX season was approaching and I was dealing with a multitude of family issues I decided to contact them after the holiday the following week. Imagine my surprise when I went to access our savings account at XXXX only to discover that no funds were available because a lien had been served by CACH/XXXX and {$5100.00} had been seized. This now brings the total taken from accounts to {$10000.00} which is {$4500.00} more than the original amount ordered. As of this date I have received a check for {$4400.00} from XXXX XXXX returning some of the funds taken in error. I have been unable to cash this check due to the way it is written.
08/10/2017	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	FL 33126	Web
Last year ( XX/XX/XXXX ) i submitted a complaint regarding the same nature ; except this time, they contacted my employer ( HR office ) before contacting me. Please refer to my XX/XX/XXXX submission case # XXXX regarding my complaint of this same scenario. Today, Thursday, XX/XX/XXXX, my HR manager came over and to my office and handed me a message note stating " File # XXXX, call XXXX XXXX XXXX, Ph # XXXX ''. I asked her what is it about ; and she said i did n't inquire, but it sounds important. So, i contacted them immediately. A male answered " corporate office '' ( which sounds exactly how last years debt collector greeted me ). I asked him, is this XXXX XXXX XXXX? And he said yes it is. I then gave him the file # XXXX. He asked me for my name. I gave it. He then wanted my last four digits of Soc. Security and date of birth to verify who i was. I refused to give him that information. So, he then proceeded to say " okay, is your social security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and date of birth XX/XX/XXXX? '' Since he said the correct information, i said yes. I asked him, what is the issue. He then told me that i owe a balance of over {$19000.00} to XXXX and before i get court ordered, they were calling. This sounded exactly like the phone call i received last year ( almost to the day ), but at that time i only owed XXXX a little over {$3000.00}. I explained to the man from " XXXX XXXX XXXX '' that i received a similar call last year and i have never received any documentation ( bills, letters to intent to collect, etc ). He said he wanted to help me, so he told me to contact XXXX XXXX XXXX, which is the company that bought XXXX ( i believe in XX/XX/XXXX or XX/XX/XXXX? ) - he said call XXXX XXXX and tell them your account # XXXX. I explained to him that i did n't owe anything to XXXX, because i have a " paid in full '' letter. And that i had contacted CFPB and reported last years call about the same issue ... yet, i still have n't ever received ANY court orders, bills, letters to collect from anyone. I was very upset ; and he said, " ma'am i 'm trying to help you, just call XXXX XXXX XXXX and see what they tell you, but call us back within 24 hours, or else you will be served with court order ''. Again, i tried to explain to him that it was inappropriate for his agency to contact my HR - BEFORE contacted me. He did n't respond to that comment. He kept reiterating the he was trying to help me. After i hung up, i called XXXX ( XXXX XXXX XXXX ) and spoke with representative ( XXXX ) who looked up the account # given to me # XXXX and she said she could n't see anything about my debt, because it was in the " archived '' files. However, she mentioned that my account was sold to " SquareTwo Financial '', which of course it 's a debt collection agency. XXXX was very helpful and heard my story ( what i 'm writing here ) and she suggested that i contact SquareTwo Financial to find out why they have n't contacted me before. Before i call this debt collection agency ( SquareTwo Financial ), i want to be able to understand why does this continue to happen. I was threatened last year. Now this year ( XX/XX/XXXX ), they did n't even call me first, but went straight to my HR to confirm my employment and i believe it is an " indirect '' manner of threatening me. I feel that if this debt were true ( which it is n't ), why have n't they send me letters of intent to collect, or bills, or any kind of indication that this debt has been outstanding?!?!? Please HELP me ... what should i do? Why is this continuing to happen?
05/16/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30189	Web
CACH , LLC has been attempting to collect a debt that they allege was purchased from XXXX XXXX XXXX on XXXX / XXXX / XXXX . In numerous collection letters they have demanded several different amounts. I have disputed this debt with through the credit reporting agencies numerous times in the last several years. On XXXX XXXX , XXXX I received a letter from XXXX XXXX stating a current balance of {$2600.00}. I requested validation of the debt and disputed the amount to both XXXX XXXX and CACH , LLC. CACH , LLC responded on XXXX XXXX , XXXX with a letter that stated the current balance is {$2900.00}. XXXX XXXX responded to my same letter on XXXX XXXX , XXXX with a response that said the current balance is {$2500.00}. Again, on XXXX XXXX , XXXX I disputed the accuracy of the amounts and requested validation of the debt. I received a response from XXXX XXXX on XXXX XXXX , XXXX that said the balance is {$2500.00}. I received a response from CACH , LLC on XXXX XXXX , XXXX that said the amount is {$2500.00}. I sent this information to the credit reporting agencies and requested they update the record of the amount at least, since CACH , LLC refused to validate their alleged ownership of this debt. As of XXXX XXXX , XXXX CACH , LLC is still reporting a debt owed to them in the amount of {$2900.00} to XXXX XXXX XXXX credit reporting agencies. I have reviewed the dispute results and CACH , LLC continues to insist that I owe them {$2900.00}. CACH and their attorney, XXXX XXXX XXXX XXXX , XXXX have also provided a statement from XXXX XXXX XXXX dated XXXX XXXX , XXXX which shows an amount of {$2500.00}, a computer print out from XXXX XXXX XXXX which shows the same, a Bill of Sale dated XXXX XXXX , XXXX between XXXX XXXX XXXX . N.A. and CACH , LLC, and an affidavit by XXXX XXXX , custodian of records for CACH , LLC attesting to the Bill of Sale, and a generic XXXX XXXX XXXX card holder agreement which may or may n ot be applicable to the XXXX XXXX XXXX account in question. Although I have requested from CACH , LLC to supply the following, I have never received : 1 ) A signed credit card application or contract which proves I opened this account in my own name ; 2 ) The sp ecific XXXX XXXX XXXX XXXX Agreement which applies to this account and expressly authorizes XXXX to sell this account to a third-party debt buyer ; 3 ) A detailed itemization of all the charges allegedly made which total the amount they are claiming, whatever amount that actually is. Additionally, I requested the same information from XXXX XXXX XXXX , as I have no record of this account with them. I also questioned whether this particular account may have been subject to CFPB Consent Order # XXXX . XXXX XXXX XXXX has not responded to my requests. There is no record of a XXXX XXXX XXXX account with this number on my credit report. In summary, I do not believe that I owe this debt. The debt buyer can not determine what the correct amount should be, the debt buyer can not produce sufficient evidence of this alleged debt. I believe the debt buyer is in violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act by continuing to assert that they are owed a debt they can not prove or even determine an amount for.
05/13/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	WA 98004	Web	Servicemember
On XXXX/XXXX/XXXX CACH , LLC sent someone to the house I live in, and delivered a complaint summon for an old debt lawsuit. They said XXXX XXXX XXXX assigned the debt collection to them. The summon looked fishy because it did not have a file case number on it. I called the Superior court in XXXX, WA, and the clerks told me I could not file my answer to CACH , LLC ' complaint because there was no file case number to file it under. I had only 20 days to sent my Answer to CACH , LLC in XXXX. I sent my Answer and request for debt verification, and validation with requests for proof of ownership of debt, chain of assignment, the contract between XXXX XXXX XXXX and CACH , LLC on XXXX/XXXX/XXXX. CACH , LLC received the certified mail on XXXX/XXXX/XXXX. I wait for CACH , LLC while I checked nearly everyday Superior court record for a file case number for nearly four month. I was very sick and waiting for XXXX, so I was focusing on my health. I forgot about CACH , LLC I thought they drop the lawsuit because they ignore my request for debt information, and they never sent me anything that I asked for. On XXXX/XXXX/XXXX my roommate handled me a letter from CACH , LLC. It was confusing letter because it listed dates for a court trial on XXXX/XXXX/XXXX ... A year away. This letter had a file case number on it dated XXXX/XXXX/XXXX. There was no words about them winning a default judgment against me. I found out about the default judgment my calling the Superior court with the file case number, and the clerk told me, yes, CACH , LLC got a default judgment on me. I filed my Answer, Motion to Vacate, and evidence, and file a counterclaim under the file case number on XXXX/XXXX/XXXX. CACH , LLC was not suppose to file default judgment without providing supported proof, and complete evidences of ownership of debt collection right, contract between XXXX XXXX XXXX, and between me to pay them, ect. I want you to go after CACH , LLC for violations FDCPA, and XXXX consumer fraud laws. CACH , LLC used unfair, misleading statements, ignore my request to show proof of debt, ownership of debt, and right to collect payments, fees on debt, and right to bring sue and get a default judgment without a contract. Contract terms to fees, interest, ect. CACH , LLC quickly put the default judgment on public record because another lawyer contact me to offer help with bankruptcy filing. I only have a small veteran pension, so that is judgment proof, but the judgment has now hurt my credit ratings again. I told CACH , LLC this in my Answer. I want you to charge CACH , LLC old debt buyers heavy fines for violations, request them to remove any public and private default judgment on credit bureaus records, forbid CACH , LLC from selling my account information to other debt buyers, and have them remove any bad inquiries off all credit bureaus, and encourage them to pay me counterclaim fees for fraud, misrepresentations, wrongful lawsuit, and damaging character image with wrongful default judgment. I want you to sue them, collect my violation fees, and remove the default judgment from all public and private credit records since they got it through fraud. I filed for Motion To Vacate on XXXX/XXXX/XXXX. Our court date is on XXXX/XXXX/XXXX.
06/15/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	KS 66062	Web
I opened a business in XX/XX/XXXX with another person. At that time we opened up a number of business accounts with vendors and banks. In XX/XX/XXXX I left the business and sold my ownership to my business partner. We provided all of our vendors and banks with our documents showing the business ownership changes. I requested that all of the cards in my name be closed and closed the credit line that was in our joint names. My old partner continued to operate the business till XX/XX/XXXX/XX/XX/XXXX time frame. During that time he apparently racked up debt he could not afford and he started receiving collection notices. I received XXXX from XXXX at that time in my name. I contacted XXXX and provided them with my change of ownership documentation and the lady I spoke with claimed to update the account and never contacted me again. In XX/XX/XXXX I ran my credit report and saw a collection agency was listed trying to collect on the old XXXX debt. I called the company, explained the situation, and they stated that when XXXX sold them the debt they only listed my name on the account and not my old partners. I was able to get my old partner to contact the collection agency and agree to pay the debt. I provided the collection agency all of the ownership change forms at the time and they never contacted me again. My partner never paid the debt and when I attempted to get a mortgage recently I saw that the debt was still on my account. I contacted the collection company, CACH LLC and they said that they would not remove me off of the account because that is how they purchased it. I requested that they contact XXXX to get updated records because my partner should have been the personal guarantor and they would not do it. They said I had to get XXXX to provide me that documentation. I called XXXX to request details on the account. XXXX said they can see that my partner is a personal guarantor and they have notes in their system that there was an ownership request documented but they don't have any additional details. They don't have copies of the change of ownership forms I sent in nor copies of the contract stating I am no longer responsible for the business. They are going to provide me with a letter stating that my partner is a personal guarantor but will not provide me with anything stating that I am not. I have also requested documentation from CACH LLC and XXXX, verification of what the debt is. I was not with the company during the years that the debt was incurred so I have no idea what they believe I am responsible for. Neither CACH LLC nor XXXX has been able to provide me with any account statements stating who used the account, what was purchased, whose card was being used and in what amounts. I have received nothing from them. I originally made this request in XX/XX/XXXX and they did not provide it and I'm making the request again in XX/XX/XXXX and they are telling me they don't have any of those details. I don't have chance to dispute these charges if they can't provide me with the details on the account.
03/24/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77546	Web
To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim ( and suing me for ) that I owe CACH , LLC {$2400.00}. This is a formal notice that your claim is again disputed. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to CACH , LLC stating I had an agreement with you and owed any monies to CACH , LLC. Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 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, 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. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a " counter claim '' small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
01/29/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WI 53081	Web
XX/XX/XXXX Debt collector mailed stipulation and order and financial disclosure form for me to sign and date for paymen i i owe. XX/XX/XXXX Debt collection enter Judgment/and order me to pay. XX/XX/XXXX I wrote the Judge stated I do not owe this company any I was told to fill out earning garnishment debtor answer. I did not. XX/XX/XXXX Debt collector agency mailed me an letter demanding for full payment XX/XX/XXXX debt collector mailed my job earning garnishment.I informed my job please do not mail any payment to this company. XX/XX/XXXX Debt collector agency Attorney faxed my job letter demanding mutually agreeable terms to resolves debt account and wanted me to sign stipulation and calling my cell phone.Therefore my job was order to garnishment. I wrote the Judge again to reopen the case and motion was granted XX/XX/XXXX at XXXX was court day and the Attorney did n't show up. The next day I got and Letter from the company and the Clerk of Court Plaintiff respectfully requests to dismissed the hearing base on documents provided by the Defendant XX/XX/XXXX- XX/XX/XXXX. another Debt collector demanding full payment past 2 years this 2nd debt collection Attorney has been harrashing me and my job. this case has been scheduled Pre trail conference, court hearing. The first court day the judge ask for any documentation stated not owe this Company. I shown the account is closed, company has no record, and I file for dispute status from XXXX to prove this account is close, and I shown the judge copy of my old account I saved from the company bill statement. XX/XX/XXXX Judge close the case. Debt Collector reopen XX/XX/XXXX Mailled me another for Court for Notice of Hearing to Garnishment Wages. Than the company Mailed my Job Affidavit of mailing to payroll department Months later another court date to reopen this case and this continue each time during school has stated for work. During these Month this company has Garnish my wages with out any order for garnishment. This company has been fishing for information from the system from the first Debt Collector who ender judgement. XX/XX/XXXX asked the court to reopen this case again therefore, motion to reopen was granted. XX/XX/XXXX court day Attorney always order phone appearance. XX/XX/XXXX Debt Collector mail form to fill out for exception filled it out.and no respone from Debt collector XX/XX/XXXX Debt Collector mailed court order for court day XX/XX/XXXX I wrote judge a letter to dismiss this case and why, new judge for this case and I had to explain all over again Court date was XX/XX/XXXX at XXXX I was late for my court day coming from work and the judge order wages garnishment. what hurts so badly this company garnish my wages before court order and am paying a company I do n't owe.
07/18/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	FL 33703	Web	Servicemember
I was sent an unsolicited credit card from XXXX XXXX XXXX XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. CACH LLC bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again in XX/XX/XXXX XXXX. I worked odd, temporary jobs during that time and finally found another full time job in XX/XX/XXXX XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But in XX/XX/XXXX, CACH froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to XXXX XXXX XXXX in XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).
12/18/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued where didn't live/sign for debt	VA 228XX	Web	Servicemember
The company in question, CACH LLC, filed a suit in court after I tried to dispute the debt with credit reporting agencies ( XXXX and XXXX ). Both the agencies removed the debt from my credit report and then a week later it was back under a different name. I disputed it again and then the debt showed back up on the credit report, this time doubled to make it look like XXXX debts ; listed as CACH LLC and CACH , LLC ( with a comma added ). I have been to court twice already and the judge keeps postponing it. I have to go again on XXXX XXXX, XXXX. I tried to get the case dismissed because in the affidavits filed by the debtor they said " Affiant states that the original agreement and document evidencing the creation of this Account is lost or destroyed ... '' The judge would not listen to me and instead postponed the case ( twice ). The attorney handling the account told me she did not have any authority to do anything with the case ( dismissing, make changes, etc. ) because she is just handling the case for an out of state client. The judge told me that he would not do anything with the case ( the last time I went on XXXX XXXX ) unless I bring him a fraud complaint form filled out and the attorney was going to send me XXXX but I have not received it and so far unable to find XXXX. I believe I am being taken advantage of and do not know what to do to fix the situation. Meanwhile, the debtor keeps putting multiple listings on my credit report making it look like I have more bad creditors than there is in reality. The debtor has never made an attempt to collect on this debt until I reported them to the credit reporting agencies. Then they filed a suit in the local court here ( they are from out of state ) while still not attempting to collect on this debt. Their own sworn affidavit to the court ( notarized and delivered by the Sheriff 's department to my door ) states they have no proof of the creation of the account ( see above ). Also, the debtor, after I disputed the account on XXXX XXXX, XXXX, placed the account opened status as XXXX XXXX, but on the official court documents and affidavit ( filed on XXXX XXXX one month after I disputed the account ) the debtor can not state when the account was created. They provided the earliest bill they have, dated XXXX XXXX, XXXX, but stated in the affidavit " XXXX 's business records show that as of XXXX/XXXX/XXXX, there was due and payable ... '' They make this statement just prior to the statement where they say the original agreement is " ... lost or destroyed ... '' ( see above ). So the debtor does not seem to be able to get their dates or other information ( facts of the case ) correct either.
05/19/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IL 605XX	Web
Several related complaints : 1. Cach , LLC purchased the original debt from XXXX ( managing company for XXXX XXXX XXXX ) 2. XXXX XXXX was the attorney collecting for Cach , LLC. 3. XXXX successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for {$250.00} per month. The amount is actually {$250.00} per biweekly pay period. This should be available on the recorded line we spoke on. XXXX. XXXX XXXX XXXX somehow became the new debt collector, taking over for Cach , LLC. in the collection process. 4. XXXX XXXX XXXX began collecting for the full amount of the debt, and claimed no prior knowledge of the payments that I had been making for the past two years and also claimed no knowledge of the garnishment. They just started collecting again for everything. I explained they were collecting double and was told this was for a different debt. It is not. 5. On XXXX I spoke to XXXX XXXX XXXX and was told my existing balance was {$1000.00} and that the last payment was made on XXXX/XXXX/16. 6. I asked XXXX to note my account with the following information : The payment for {$250.00} that was received on XXXX must have been from my XXXX paycheck. On XXXX and XXXX I paid {$250.00} out of each of those paychecks as well. So, according to my calculations, I would only owe {$580.00}. 7. I requested a copy of the last statement they sent my employer, with the amount they say I still owed. The representative I spoke to refused to provide this information, telling me to get it from my employer ( again, please listen to the call recording ). 8. After some discussion, I was told that XXXX XXXX would call me back and let me know if they could accomodate this request. Complaint is for collecting for a debt that already had a wage garnishment in progress, not providing correct information, misrepresenting themselves as a branch of the government ( they sent documentation that I was being sued again ) and refusing to provide information when asked about this debt. Additional complaint is about the interest charges. I am being charged interest on interest and the payments I made are not going to the principal first. The interest rate and fees that I have been charged have been grossly unfair.
05/26/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	OR 97478	Web
I paid my debt owed to Cach LLC XX/XX/2012 and recently received a letter from the XXXX county circuit court notifying me that they were attempting to garnish my wages. I called the attorneys office that was representing Cach LLC to explain that the debt was paid over 4 years ago and had all my documentation including the original debt collection letter with the settlement offer and a copy of my bank statement and cleared check from the company that indicated the debt had been paid. The attorneys office acknowledged that they could see the payment had been made, therefore Cach LLC was fully aware that I had made the payment that fulfilled the settlement offer and was trying to recollect on a satisfied debt. When I called Cach LLC today they told me it was n't their fault and they would take no action to correct my account, although the attorneys office that the garnishment was through agreed that the balance was paid in full in 2012 and is sending me a letter that represents a XXXX balance. My complaint is that Cach LLC owns my debt and I am trying to prove I paid a debt in full 4 years ago and what is going to stop them from coming after me again in another 4 years? This company contracted the debt collector that I paid my original balance to 4 years ago and cach LLC says that they assume no responsibility for the debt not being taken off my credit. This is completely unacceptable because if I had not kept all my original documentation I would have likely had no choice but to pay this debt twice. Also the current attorney admitted that they saw documentation that my settlement amount was paid in 2012 therefore Cach LLC was fully aware that I made the payment and were trying to charge me twice, this is illegal and fraudulent and they are taking advantage of me. They sent a wage garnishment to an employer therefore defacing my character because I in fact do not owe this debt. I do not want this company to get away with charging people twice for debts paid in the past and I strongly believe I am not the first or only person that they have done this to. Please look into this company because this is infirurating for me and I can not let this get brushed under the rug. My debt was paid and this company knowingly tried to take advantage of me 4 years later.
08/19/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TN 38106	Web	Older American
CACH , LLC is on my credit report as the collector for XXXX. I, at XXXX time, had an XXXX credit card. I did a balance transfer in XXXX of my XXXX account balance to my XXXX XXXX XXXX Credit Card to take advantage of a lower interest rate promotion. The XXXX credit card was closed with this transaction. I closed my XXXX XXXX XXXX credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to XXXX until I could no longer do so. I stopped paying XXXX XXXX XXXX in XXXX or XXXX. XXXX XXXX XXXX this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX Federal Income Tax Return and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the CACH , LLC collection for XXXX I saw the error. Record of my XXXX balance transfer must have been made available in the post-merger XXXX XXXX XXXX files, sometime after XXXX merger of the banks. I do n't owe any money to XXXX. XXXX XXXX XXXX paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with XXXX for over a decade. I 'm paying whatever portion of the XXXX XXXX XXXX credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the XXXX credit card account, in monthly installments to IRS. At best this collection account is too old and XXXX stated mistakenly as the original creditor, so it would appear to be a separate debt from the XXXX XXXX XXXX credit card charge-back. CACH , LLC on behalf of XXXX appears to be using old, settled debt to pressure me into paying them money not owed by me.
02/17/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NE 693XX	Web
This complaint is in regards to Square Two Financial. Refer to CFPB case number XXXX regarding CACH, L. L. C. Square Two Financial has utilized my entire social security number to include date of birth on the pfd document listed with this complaint. The initial complaint was with CACH, L. L. C. and not Square Two Financial. This is in breach of the following : 1. Identity Theft Assumption and Deterrence Act of XXXX 2. Privacy Act of XXXX XXXX. Social Security XXXX 4. XXXX Privacy Act-which carries a maximum XXXX fine for each calendar cap year. 5. Breach of Title XXXX, XXXX XXXX XXXX XXXX under XXXX and XXXX The solution is to have CACH, L.L.C handle this correction and not Square Two Financial. Two Square Financial submitted the XXXX XXXX XXXX with their subscriber name on the form listed on CFPB case # XXXX they are rendered liable in this matter. In addition, there is an account number associated with this Universal Data Form and they could use that account number instead of a SSN and DOB which is against XXXX XXXX XXXX This is also includes removal of the XXXX XXXX Form off of CFPB case # XXXX listed as a pdf document attached to this case number. Square Two Financial was contacted at XXXXXXXXXXXX as of XXXX/XXXX/XXXX by e-mail in regards to this matter. In addition, all of my information is not for sale and distribution via fax, fax-scanned, copied, stored in a retrieval system, recorded, transmitted digitally or electronically without my expressed written consent. This information is protected under copyright and publishing laws of XXXX XXXX and XXXX XXXX. This information is protected under the XXXX XXXX XXXX XXXX XXXX under the freedom of speech under XXXX XXXX XXXX to include the Uniform Commercial Codes XXXX and XXXX. These rights are reserved world wide.
07/03/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	MA 017XX	Web
Credit Card collection agency has repeatedly called my place of employment after being asked multiple times to not call. In addition collection agency has contacted my parents, sister and elderly grandfather repeatedly. Call are made sometimes XXXX or more in a single day with only a single message being left. After calling and speaking to agency and asking them to cease calls to my place of employment - I am a XXXX and do not have an outside line to my XXXX and will never be able to receive calls at work as a result ( nor is it appropriate ) - they left detailed messages for me with both the XXXX secretary and the XXXX. This has been going on for 3 years and as most recently as XXXX 2015. I called in XXXX of 2015 to make a settlement offer of {$800.00} for my outstanding debt of {$1200.00} ( more than 70 % of a 5 year old debt ) and was told that I needed to come up with {$1000.00} and I should " call back when I have the rest of the $ '' and was hung up on. The collections calls have since resumed to multiple calls each day. I would like a reasonable settlement offer sent to me IN WRITING as I do not feel comfortable dealing with a company via phone that ignores my requests for cease calls, ignores me when no permission has been given to contact on certain phone numbers and refuses to send me anything via mail. My information was updated with this company in XXXX of 2015 and I simply want to resolve this debt reasonably and expediently without myself or my family being treated rudely or unprofessionally. I want no further contact from this company via phone call to any number. As soon as I receive a reasonable settlement offer by mail, I will remit payment accordingly but will not do so without something in writing.
08/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 10002	Web
I received a call and letter from Cach , LLC. They have been emailing me through a secure online email, which is suspicious. They are saying they purchased a loan from XXXX, I took out with my husband XX/XX/XXXX, they took over XX/XX/XXXX. They waited 2 years to contact me for collections.They are very aggressive. It is not showing up on either one of our credit reports ( checked all XXXX CBR ). My contact with Cach, tells me it is, then tells me they have to fix that. Then I ask for the transaction history. Which it says in the letter they sent is attached on XXXX XXXX, is not. The contact says, he can not give it too me. From my records my last payment was made XX/XX/XXXX. So the Statue of Limitations is coming up on 6 years for NYS. Makes sense for their aggression. The loan is for XXXX. Also they added on XXXX pages of their own " additional terms '' to the loan agreement we signed, " thinking we would n't notice ''? They are trying to get us to settle of course. I am on XXXX, I have sent them all proof they can not collect from me. They want my husband to settle, he is thinking of filing Chapter XXXX. Cach is very inconsistent with their responses via email and seem deceitful. We do n't trust the person ( s ) we are contacting CACH. LLC. We know they can get a summary judgment. We are researching other ppls horrors stories. We own a home and are very very concerned for our well being. The loan also does not show up when I ran a loan search XXXX. I am going to XXXX to the the recovery account department to get a copy of my account. I hope this will resolve the SOL and be able to have a little bit of understanding how to move forward. I have all their email with lies.
06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92675	Web
I was part of a XXXX company with my ex-spouse, until XXXX XXXX, 2008, at which time I was terminated and released of all company liabilities, present and future. My ex-spouse received the XXXX as his separate and sole property in the settlement agreement. He also completed legal paperwork to have me removed from a XXXX XXXX XXXX business line of credit. The ex-spouse warranted to me that he completed and submitted a Release of Guarantor Agreement to XXXX XXXX XXXX, thereby legally removing me as a guarantor of his companies ' future financial liabilities and debts. XXXX XXXX XXXX claims they do not possess that paperwork, and sold the debt fraudulently to CACH , LLC, who hired the XXXX in Arizona to attempt to collect the debt from me. I requested in writing, well within the 30 day time frame, for CACH , LLC and the XXXX to validate this debt, and and my request was IGNORED. CACH , LLC, reported a collection account to all XXXX credit bureaus : XXXX, XXXX XXXX and XXXX. It is my understanding that if the collection agency does NOT validate the debt, they are violating my rights under the Fair Debt Collection Practices Act. Furthermore, since CACH , LLC, has reported information that they know to be inaccurate and incorrect to the above listed XXXX agencies, they have violated the Fair Credit Reporting Act 15 USC 1681s-2 Section 623. If CACH , LLC attempts to pursue a judgement without validating the debt, they are again failing to comply with the Fair Debt Collection Practices Act. This is not my debt. I requested validation, which I have NOT received, yet they are continuing to attempt to collect this debt. I now have negative, harmful and inaccurate information on my credit report.
07/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 08053	Web
I had an Personal line of credit account with my stepdad ( XXXX XXXX ) through XXXX XXXX XXXX. Unfortunately, we fell behind and the account went to collections. ( We acknowledge it fell behind ). The account was then sold to the Law Office of David Sean Dufek and in XXXX XXXX, XXXX through XXXX XXXX, XXXX paid a total of {$2200.00}. I spoke to collector named XXXX XXXX who set up a settlement with that office for {$.00}. I also spoke to a supervisor named XXXX after I discovered this same collector had authorized payments on my bank account ( with checks that I did NOT authorize ) and this supervisor XXXX assured me that the debt would be settled out WITH NO MORE PAYMENTS DUE. He said " At this point, we will just settle this out '' and returned the {$200.00} that was unauthorized from my account. If the account was not settled out, WHY would they authorize the return of my funds? I ask that you pull the conversation of phone calls that detail this. At this time, I have been notified by the Law Firm of XXXX XXXX ( phone number XXXX ) that they bought the debt and are requesting I settle pay a balance of {$2900.00}. I have spoken to a supervisor named XXXX ( on XXXX/XXXX/XXXX ) who even acknowledges in the conversation i had with her based on the review of notes " I do n't understand why they did n't just settle this out ''. I do n't understand how a debt i settled with the attorney 's office can be now owned by a different office when i clearly paid it in full PER that attorney 's office.There is clearly deceptive practices for predatory collection here.
01/01/2018	No	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	OR 97217	Web	Older American, Servicemember
In XX/XX/XXXX, I was in the midst of a financial crisis, losing my job and having to relocate and downsize. At that time I had a balance of {$1400.00} with XXXX ( XXXX ) and had managed to make payments up until then while suffering an outrageous interest rate of 29.9 %. On XX/XX/XXXX I was attempting to work out a debt relief agreement with XXXX ( hardship application ) and requested a modification based on the amount of extraordinary interest and fees that were being added to my bill. After back and forth FAX communications they denied my request and followed up by transferring my debt to XXXX XXXX XXXX. These people were confusing to say the least, and after trying to negotiate my debt down with them I ended up with XXXX XXXX- and began to get threatening letters and calls from XXXX XXXX XXXX . I see that XXXX XXXX ( Square Two Financial ) is being sued ( many complaints about their tactics ) and that they are a shell corp and they are filing bankruptcy! At one point last year I had worked out a payment plan with them- but they reneged on the terms and reverted to the original debt and payment. I wrote them twice afterwards stating that I was not happy with their disregard of our agreements. Since then they have constantly called me, threatened me and have ignored my letters and correspondences. At present I live on social security and odd work when I can. Can there be some help to rectify and end this foul issue on my credit report- after all over the time i had the loan with XXXX I paid thousands of dollars in interest and fees. Sincerely, XXXX XXXX
05/04/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23462	Web	Older American
Received account balance option letter from FreshView date d XXXX XXXX 2017 in reg ards to : Current Creditor-CACH, LLC ; Original Creditor- XXXX XXXX XXXX ; Currrent Balance- {$10000.00}. Three opt ions were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today, XXXX XXXX 2017, I we nt to the FreshView web site to take option XXXX , making 4 payments of {$600.00}. I was informed on website to contact them. I called FreshView at XXXX and was told that I must call CACH , LLC at XXXX as they were no longer handling the matter. Today , XXXX XXXX 2017, I ca lled CACH , LLC and was told that the matter was sent to their attorney, the XXXX XXXX XXXX XXXX XXXX and that I must contact the attorney. I called the attorney today at XXXX and spoke with a XXXX XXXX XXXX who informed me that I was not yet really in their system and that she would have to wait until I was in their system. XXXX XXXX stated she would call me back when she received my information. My complaint is that it is not yet 30 days until XXXX XXXX 2017 and this debt was sent to an attorney before 30 days. I want to take advantage of the opti on of making 4 payments of XXXX on this debt befor e XX/XX/XXXX as I do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days fr om XX/XX/XXXX !
05/22/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NE XXXXX	Web
XXXX XXXX XXXX sent a " dunning '' letter to consumer dated XX/XX/XXXX on law firm letterhead which violates the Fair Debt Collections Practices Act ( " FDCPA '' ) 15 U.S.C. 15 Section 1692e and 1692f. The law firm commits a number of violations in the letter. The XXXX XXXX notes that " dunning '' letters ( sent on law firm letterhead ) that contain offers to settle 'time-barred ' debt misleads unsophisticated consumers as to the legal status of the debt and violates the FDCPA. Consumer recognizes the debt XXXX XXXX XXXX is attempting to collect is over Nebraska 's 4 year statute-of-limitations ( SOL ) law for debt collection. Consumer does not wish continued communication with XXXX XXXX XXXX after this formal ( dispute ) complaint is lodged with the CFPB as the complaint will be tendered as evidence in a court proceeding if necessary. Consumer makes known that - if an agency ( or law firm ) incorporates the use of form collection demands on attorney letterhead the agency ( or law firm ) MUST incorporate " meaningful attorney involvement '' into its collection process ; 15 U.S.C. Section 1692e and XXXX vs Law Offices of XXXX XXXX XXXX XXXX XXXX, No. XXXX. XX/XX/XXXX - XXXX XXXX XXXX. If XXXX does not cease contact with Consumer by mail/phone/email consumer will file a state and federal lawsuit against the entity for violations of the FDCPA, FCRA and TCPA. Consumer thanks the Consumer Financial Protection Bureau ( CFPB ) for providing this venue as a viable avenue of documentation and mediation. It is greatly appreciated.
05/04/2017	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VA 23462	Web	Older American
Received account balance option letter from FreshView dated XXXX XXXX in regards to : Current Creditor-CACH, LLC ; Original Creditor- XXXX XXXX XXXX ; Currrent Balance- {$10000.00}. Three options were given with the letter stating I had 30 days from date of letter to take advantage of one of the options. Today, XXXX XXXX , XXXX , I went to the FreshView website to take optio n 1, making 4 pay ments of {$600.00}. I was informed on website to contact them. I called FreshView at XXXX and was told that I must call CACH , LLC at XXXX as they were no longer handling the matter. Today, XXXX XXXX , I called CACH , LLC and was told that the matter was sent to their attorney, the Law offices of XXXX XXXX and that I must contact the attorney. I called the attorney today at XXXX and spoke with a XXXX XXXX XXXX who informed me that I was not yet really in their system and that she would have to wait until I was in their system. XXXX XXXX stated she would call me back when she received my information. My complaint is that it is not yet 30 days until XXXX XXXX , XXXX and this debt was sent to an attorney before 30 days. I want to take advantage of the option of ma king 4 p ayments of XXXX on this debt before XXXX XXXX as I do not want, and should not, be sued by an attorney when I was given an option letter that is still valid within the 30 days to take advantage of. CACH , LLC had no right to send this matter to their attorney before 30 days from XXXX XXXX !
01/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CO 816XX	Web
I received a letter from XXXX XXXX representing CACH LLC on an account being claimed was sold to them by XXXX XXXX XXXX. I contacted CACH LLC in XXXX with documentation supporting that the original creditor was XXXX XXXX on account that was compromised in XXXX. The charges were removed and the account should have been closed as Paid in Full. During this time XXXX XXXX went into bankruptcy proceedings with assets going to both XXXX and XXXX XXXX XXXX. In a system transfer the XXXX account was given to XXXX banks with a system error transfer of fraudulent charges from XXXX XXXX. Both XXXX and XXXX adjusted to reflect interest rates on the fraudulent charges and fees to legitimize the balance as a receivable to both banks. Eventually both banks sold the same account to XXXX collection agencies XXXX XXXX and CACH LLC. XXXX XXXX filed a claim in XXXX XXXX XXXX XXXX and dismissed the case by a judicial ruling without prejudice in XXXX. Now CACH LLC has retained another agency to continue collecting on fraudulent balances that were already ruled on and accepted as fraudulent for the same account. Aside from a balance that is going on XXXX years old and violating CO 's statute of limitations of 6 years, their are several TILA violations from XXXX and XXXX prior to the sale of the account to XXXX XXXX and CACH LLC and a court case being dismissed without prejudice for the fraudulent charges associated with the XXXX account and sold as a receivable to XXXX different banks.
05/20/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 75098	Web
CACH LLC has default judgment against me for a XXXX XXXX Credit Card debt. I was XXXX served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for XXXX XXXX XXXX I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years XXXX reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.
06/17/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	OK 74012	Web
My bank account was garnished on XX/XX/2015. I was never served for a summons or complaint of the debt. I looked up on XXXX and discovered that they state that I was served. I spoke to a representative named XXXX at XXXX XXXX XXXX XXXX and offered to settle the account for {$1200.00} even though I dispute the account. I notified them of the improper service and they could n't do anything to help find a reasonable resolution to my complaint of improper service and my dispute with the fees and interest. They gave me a counter offer of XXXX on a balance that they state I owe of {$6400.00}. I am unable to do that amount. My financial situation will not allow for it. I am a single parent of XXXX children. And I am barely living paycheck to paycheck. I have also notified them to not contact me by telephone and to cease and desist calling me. At this time since they have not investigated the improper service they are causing me undue hardship by garnishing my bank account and refusing to come to a reasonable resolution. I am in fear that they will garnish my paycheck next. And because of my low income I will have another hardship if I have to hire an attorney to file motions to quash the judgement for improper service or risk representing myself. I believe it is unfair and deceptive for them to use improper service to obtain default judgements and I would like your help to resolve the issue.
10/13/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89156	Web
Cach llc has failed to verify the {$1200.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification several times, month after month since XXXX 2016. I still have the documents i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action to file a small claims lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. Cach llc is headquartered in XXXX, XXXX but there is no active status in California according to " California XXXX '' so i 'm not sure who or what should i label as the defendant on my lawsuit due to jurisdiction statute. I 'm ready to take action, I just want the reported debt account to be removed from all XXXX of the credit bureaus, as it is illegal reporting.
05/20/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 600XX	Web
I am in the process of purchasing a home for my son and his family. WHile completing the mortgage application, there was a judgement that appeared on my credit report. I have no idea what this is from. My loan officer assited in researching the matter as the only number listed on the credit report is the courthouse. I filed Chapter XXXX BK in 1999. I included all credit card debt at that time. My credit report shows the Planitff as Cach LLC ( XXXX ) with an amount owed of {$6300.00}. After calling CACH, they sent me to XXXX XXXX XXXX CO who apparently now has the debt. I spoke with XXXX XXXX ( XXXX ) who informed me that the debt was from a XXXX XXXX account. The debt is now {$9500.00}. I pulled my BK papers and reviewed the debt that was included in the BK and non show XXXX XXXX. I know there are a few credit cards companies listed on my BK papers that are no longer in existence which is hard to follow and obtain docuemntation ont his debt. I asked for the credit card agreement that was signed and was told a request was sent and the timeframe was uncertain. I would like proof that this debt exists and how I owe {$9500.00} when the judgement shows XXXX. Please call me at XXXX if any additional information is required as I would like to resolve this matter ASAP.
07/12/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IA 52732	Web
In XXXX I received a letter from the law firm XXXX for demand of a XXXX account that I never opened. I wrote them a letter explaining that this debt was not mine and requested verification of the debt and more information about the account in which I never received. The first of the year ( XX/XX/XXXX XXXX I started receiving harassing phone calls from this debt collector on my cell phone ( which to this day I have no idea how they got that number for I never gave it to them ). On XX/XX/XXXX I received a letter XXXX notice to cure ) from the law office XXXX stating that I failed to make the agreed payments and was in default. First off, I never agreed to anything or entered into any type of contract with the law office XXXX or their client Cach LLC or the cited original creditor of XXXX. Secondly their citing the date of the last payment was about 4 1/2 years ago and I have never paid anything on this debt. They sent me two different letters one demanding a payment of {$4600.00} and another letter demanding payment of {$1500.00} XXXX XXXX letters arrived on the same day ). I am on XXXX food stamps and own nothing so even if these debts were mine ( which their not ) I could never come up with that kind of money.
12/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27527	Web
There was a loan taken in my name from a company called XXXX which I had no knowledge of or received money from. A company called Cach LLC bought the loan from them and originally called me in XX/XX/XXXX through Fresh View Solutions, they were told that the debt was not mine and I never applied for a loan nor received any money from a loan from XXXX or CACH LLC. Did not hear anything in response until I received a call on XX/XX/XXXX from XXXX XXXX XXXX who attempts to collect money on behalf of CACH LLC, they also called other family members trying to get my information. They were told again the loan was fraudulent, but they are still attempting to collect the debt which should not be mine. I did some research on what XXXX requires to accept to pay out a loan and they require bank account information and to verify employment, which would have been hard for me to do since when this loan was taken out ( XX/XX/XXXX ) I was unemployed and a XXXX and my bank account records will show I never received any loans from XXXX or CACH LLC. I am uncertain how they operate but it appears they need to validate their information before paying out to someone who claims to be someone else.
09/15/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	WA 98125	Web
I got a voice mail from a XXXX XXXX at " XXXX ( sp? ) XXXX XXXX in XXXX threatening me with legal action and that they were sending someone to my house to serve me with legal documents and I need to call the " Litigation Office '' at : XXXX with reference number : XXXX. I called this number and they said they had a Lawsuit filed for a XXXX ( XXXX XXXX ) and I have to pay them " X '' amount in order to stop this Lawsuit. I explained to them him I am permanently XXXX and am Social Security XXXX. He did NOT care and was EXTREMELY rude, intimidating and threatening, then he hung up on me! This XXXX, XXXX XXXX account is WAY past the Statue of Limitations. This account was opened on XX/XX/XXXX & was last paid on XX/XX/XXXX. The account was opened when I lived in Nevada where the Statue of Limitations is Four Years. It 's OVER Five Years ( close to Six ) past the Statue of Limitations. They also called ALL of my Relatives before they called me! I sent XXXX ( now XXXX ) & the collection company ( CACH , LLC ) a Cease & Desist letter several years ago and have not heard from them since. I am currently looking into my legal recourse against them.
10/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92592	Web
Cach llc is headquartered in XXXX, XXXX Cach llc has failed to verify the {$100000.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification. I still have the document i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action in route to filing a lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. My complaint can be deemed satisfactory when in writing, the reported debt is recognized in error on the collection agency behalf, mailed to me and all XXXX of the credit bureaus, as it is currently reported illegally.
04/18/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NC 28625	Web	Older American
I received a credit card from XXXX. I was XXXX in the space of five years and could not pay what I owed them. Anyway the debt of {$9100.00} went to CACV of Colorado - a collection agency. In the meantime, XXXX XXXX XXXX bought out the original company. A judgment was issued in XXXX against me for this debt by CACV. My medical bills totaled around XXXX dollars so I had no choice but to file bankruptcy. It went through in XXXX of XXXX. My husband died in XXXX XXXX and as a result, I may have to refinance the house. To my utter shock, the judgment was listed against the house which was financed in my husband 's name alone. And the total is some {$320000.00}! I believed the debt to be discharged by the bankruptcy especially since both the original creditor XXXX XXXX XXXX XXXX XXXX and CACV were listed on it. I never heard anything else from XXXX XXXX XXXX but CACV insists that I owe this money - an exorbitant amount considering that the original was far less. I never received any notice whatsoever about any of this - only for the original amount in a letter in XXXX. I never heard from them again.
09/11/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 91042	Web
None of the above describes my issue, so I simply chose " Talked to a third party about my debt '', however I did indeed have to speak with XXXX different companies in this process. XXXX, Square Two Financial, and Cach llc. My complaint is their violation of the terms of our contract. A written contract as well as specifics written on the check were sent to the company via certified mail. The contract explicitly stated that cashing my check was an agreement to delete the account from all three credit bureaus, or as many as are reported to for this account. Also noted was that if that was not acceptable, they should return my check. The check was cashed, however, the reporting has continued. I have all the documentation, including a copy of my check and the contract as well as the certified mail reciept from USPS. When I spoke to them they explained that they did not even take the time to review and had apparently lost record of this. Not only did they violate the terms, but their negligence seemed to them, apparently, to be reason enough for the violation.
06/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60409	Web
Dear sir/madam, as I was going through my credit report on XXXX and XXXX few months ago, then I noticed a negative report on my credit. The negative report was from a collection agency called CASH LLC. any time I dispute the account, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. I attached a copy of the letter they sent to my home address after my last dispute to the account .I want your office to go through the attached letter. First I have never had any account with XXXX BANK OR ANY OF IT AFFILIATES. Second, They have to explain which address I was living when I acquired this dept. I believe this could be someone else account who may have same name as mine .I do n't know how they got my social security and my name even my date of birth because I know I have never had any account with CASH LLC XXXX XXXX Bank or any of their affiliates. I am requesting that CASH LLC and XXXX Bank or any of their affiliates should remove such negative and false statement from my credit report
11/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85716	Web
Cach LLC apparently had a judgement from XXXX I did n't know about nor was I contacted about. They just now in XXXX submitted a request for wage garnishment, which gives them four years of interest on the principle amount. I had a bad divorce where my ex husband used a large number of cards and things in my name before we split. I have been in constant dispute with these things trying to get them removed from my credit report. This debt they 're supposedly claiming does n't appear on my report. The only judgement on my report is from XXXX for a lease I was aware of owing. I have already been garnished for this amount as of XXXX and completed payment on it. Upon looking at the paperwork, the previous garnisher was apparently also Cach LLC. I have been unable to get in contact with them to have them verify who/who debt they 're pursuing or collecting now. Garnishment is set to begin right away, and I ca n't even argue anything because I was never served anything in person, I also moved a lot in XXXX after my divorce.
01/25/2018	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI XXXXX	Web
I went to buy a used truck from a local car dealership to get a better used truck since I had a stable job and had a good credit score ( 9 months prior to XXXX 2015 it was around XXXX ). I had no thoughts that I wouldnt be leaving that day with the same one I had rode in with but thats what happened..the financial guy came out and asked me about some delinquent credit cards on my report to which I had no idea about. Turns out there were 4 fraudulent cards made in my name and I had no idea about any of them. Within the next few days I had my SSN froze, a police report filed at the local police station and at least 20 different disputes over the last few years with multiple credit bureaus/creditors stating that it was identity theft and slander but XXXX XXXX is refusing to remove it. They have made no effort to resolve said issues and I have made more than enough of the effort. All of the other accounts that werent mine have recognized the fraudulent activity and removed the accounts immediately.
11/19/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 30316	Web	Older American, Servicemember
CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XX/XX/XXXX and dismissed on XX/XX/XXXX while the case was being held in XXXX XXXX GA as of XX/XX/XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XX/XX/XXXX. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XX/XX/XXXX-XX/XX/XXXX showing persistence and determination to continue violations of FDCPA 1692. The unfair debt collection practices violating FDCPA 1692F to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XX/XX/XXXX the bill of sale and affidavit from XXXX XXXX to Defendant.
06/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web
On XXXX / XXXX / XXXX , I received a summons fro m my county from CACH , LLC that was filed against me to repay a loan for the amount of {$140000.00} that was received from XXXX XXXX XXXX , Inc . The summons identified me as the president of a business. My identity was used, without my knowledge or permission, to obtain this loan through an unidentified third-party broker. XXXX XXXX XXXX XXXX and CACH , LLC neglected to verify my identity by any reasonable means or confirm the validity of documentation submitted in my name. On XXXX / XXXX / XXXX , the aforementioned loan company disbursed the proceeds from the loan, by wire, into a XXXX XXXX business checking account that was also opened in my name without my knowledge or permission. Within 3 days, without imposing reasonable security restrictions, XXXX XXXX XXXX team member ( s ) allowed two parties to withdraw more than {$98000.00} of the proceeds from the loan that I was held liable for.
06/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77493	Web	Servicemember
I did a title search for the home me and my husband own, my husband passed away in 2016. There is a lien on my home that belongs to my son. My son is a XXXX so he and my husband have the same name. The debt is for medical bills that were my sons in no way am I or my husband responsible for this debt. The lien was filed in XXXX County Volume 1329 page 686. I have contacted CACH and they told me they can do nothing. I contacted the attorney that is handling this XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX spoke with a XXXX who told me I would have to do an affidavit and my son would as well etc. My son is a XXXX XXXX and I do not know when I will see him I might not see him before I close on my home - and why should we do anything when they put the lien on in error they need to fix it. I do not want to get to closing and have problems or for this to delay my closing. This is not my debt, it is not my husbands debt and it needs to be removed at once!
09/20/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 77406	Web
None of the above problems describes by issue. I have a charged off debt owned by a company called CACH LLC. In XXXX 2015, I was contacted by Fresh View Solutions about a payment arrangement. I agreed to pay XXXX per month on the XXXX for six months. After that, we would renegotiate a new payment amount. The amount of the payment is not in dispute. My ex-wife, at the request of the XXXX, needs a copy of the original payment agreement arrangement and Fresh View refuses to furnish this information after numerous requests. They have provided a payment history and a letter stating that the payments were made in accordance with the agreement but this will not satisfy the XXXX. They require the actual payment terms ( amount, due date, etc. ), which Fresh View will not provide. They state that they mailed a copy at the beginning of the payment arrangement, but I have no copy of it and they will not provide another one.
05/26/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48126	Web
Repeated phone calls to me and my spouse. Told my spouse I would be sued as well as disclosing account information to my spouse, whom I married after the debt was granted to me and I 'm collection. Settled with the company and made 2 payments of one for {$400.00} on XXXX/XXXX/2017 and another payment of {$270.00} on XXXX/XXXX/2017. Unfortunately, I could not keep up with my payments due to my current hardship and the agency persisted on calling my spouse and I. Most Recent Phone calls to myself : XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX. The agency usually contacted my wife on those same days as they contacted me. XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX. As well as more repeated calls that I can not provide at this time. I would need to contact my mobile carrier. The phone calls also always came in different numbers with a ( XXXX ) area code.
08/19/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MD 20603	Web
This debt was discharged because of the age of the debt in the State of Maryland. The original debt was from XXXX XXXX and it has been many years since it became aged out. The company XXXX XXXX XXXX and CACH , LLC is continually calling and sending demanding letters asking for payment. Then in small letters at the bottom it says because of the age of the debt they can not sue or report it to credit reporting agencies. Yet, I think it would be odd if the law allowed them to harass me to the end of time. If the State of Maryland has said the debt is old and I do not have to worry about it anymore that is just what I have done. They bought this debt for pennies on the dollar and that does not give them the right to try and bully me into paying them, which I am not. I would like you to reach out to them because this company is breaking the law in the State of Maryland by trying to collect this debt.
02/23/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NV 89503	Web	Servicemember
My credit card company sold my XXXX debts for XXXX and XXXX to a company called CACH , LLC. A few months ago I contacted this company to pay this debt and spoke to a representative who assured me that If I paid the balance in full they would remove the debt from my credit reports. I told them to give a day and I would have it for them. I called back the next day and spoke to a new representative who told me that they would not remove the XXXX debts from my credit report and then my balance owed changed to XXXX dollars total. when I explained that the balance was not correct and I was also assured that my debt was supposed to be removed upon full payment of both debts, and that I wanted to speak to a supervisor, she hung up on me. Since that time I have been consistently calling trying to take care of this debt and I have not been able to reach anyone since.
11/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NV 891XX	Web
I did hold a credit card account with XXXX issued by XXXX Bank from XX/XX/XXXX till XX/XX/XXXX when it was closed. On XX/XX/XXXX was the last payment made on the card showing XXXX balance. Since XX/XX/XXXX till XX/XX/XXXX there was no activity on the account. During the months of XX/XX/XXXX I have received a notice from a collection agency that I owe them {$690.00} that they claim I did not pay XXXX. When asked to prove the charges no one was able to produce said charges because they never existed. Since 2011 till now I have not received what I have requested but said information was reported to the credit bureau as bad debt. Merchandise was returned to XXXX and credit was received but XXXX Bank or XXXX some how decided that I owe them the {$690.00} when that amount was credited to the account based on merchandise returned to them.
10/22/2015	Yes	Debt collection Credit card	False statements or representation Impersonated an attorney or official	CA 92553	Web
Hi, I had a financial situacion on XXXX and I owned {$1700.00} to XXXX XXXX I couldn'n pay because I loose my job. The bank made a charge off on XXXX XXXX. After that CACH , LLC AND XXXX ; opened a judgment case # XXXX and they order a earning withholding. I already pay the amount of {$3500.00} and the last withdrawal was on XXXX XXXX XXXX. Until this date they have n't report to my credit file that I already pay the full amount. This situation is affecting to my credit record because I tried to buy a house and the lender wants the information about the case. Please can you help me with this matter? I already called both companies. CACH LLC told me that XXXX XXXX XXXX needs to send the information to the Credit Bureau. XXXX sent to me to CACH LLC.because they do n't have information about this.
12/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	TN 383XX	Web	Servicemember
I paid XXXX credit card debts that originated from XXXX XXXX. Due to hardship both credit card accounts were later passed off to a collection group called XXXX. This collection agency hired a law firm named XXXX XXXX XXXX who filed a civil suit for settlement amounts and both accounts were paid in XXXX of 2012. Recently it was discovered that XXXX never reported the debts paid. If I had not kept my receipts all of these years I believe that I would struggling to prove the debts were paid. These debts were paid four years and because XXXX did not promptly report this that it greatly affected my credit. If I had not kept my receipts it would have been my word against them and I am certain that these debts would have showed up again for collection down the road.
08/22/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	IN 46140	Web
Cach LLC ; Contacted me at my employer XXXX. I ended up having to speak to a representative once because I answered the phone while working ( that was part of my job title ). The other occasion was calling my employer to asking for me and representitive leaving a number to call back. They have also, found a family members number and called them asking for information about me, luckily they denied knowing me. I have now been sued by them, even though ( through much headache and research ) I discovered the court papers were delivered to a wrong address and sued in a county that I never resided in, but since the papers were deemed " delivered '' ( from what I was told ) I missed any chance proving my case and now facing wage garnishment unless I file bankruptcy.
03/22/2018	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30034	Web
I open the an XXXX XXXX XXXX Credit Card in XX/XX/XXXX. In XX/XX/XXXX, during the great recession my account was closed and charged of XX/XX/XXXX. XX/XX/XXXX, XXXX XXXX XXXX States they sold the account to XXXX XXXX. However, I have received notices from four different agencies disguising different creditors as the debt collector. Nevertheless, I am disputing the validity of this debt. I know longer owe this amount to original creditor or its affliates. This information has damaged my representation and financial risk in finding employment and living arrangements. I submitted a previous complaint dealing with XXXX XXXX XXXX and XXXX. These are a few of the know debt collectors using my information as tactics to defame my consumer report.
05/14/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	CA 93004	Web
On XX/XX/XXXX my daughter started an Application online to borrow money from XXXX XXXX. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.XXXX ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that XXXX sent money, refund to XXXX was requested. Due to bureaucracy, it did not happened immediately. XXXX started to charge me fees!!!! Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to XXXX false report.
06/27/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	GA 30012	Web
I never received anything from CACH , LLC about a debt I owe them until the Sheriff Department served me with a Summons ( XXXX/XXXX/2014 ). I got legal representation righ after this. My attorney requested that CACH , LLC send them validation of debt. Neither XXXX of us ( my attorney & myself ) never received any validation stating the debt is mine. In XXXX of 2014 I pulled all three of my credit reports and the collections was on my credit report. I was denied credit with XXXX because of this negative impact on my credit report. Since CACH , LLC could not verify the debt and I answered the summons they dismissed my case. But they are still reporting this debt on my credit report as belonging to me without verification of the debt.
07/11/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	CT 06002	Web
XXXX XXXX bought a business debt from a company that I cosigned as a guarantor from XXXX XXXX XXXX. Since this was a business debt with a different organization other than myself, XXXX XXXX, it never appeared on XXXX XXXX personal credit record. XXXX XXXX realized that he would have to pay the debt because he had guaranteed the business debt agreed to a payment arrangement with CACH , LLC and has been paying with never a late payment the agreed upon amounts. CACH , LLC has twisted the reporting to the credit bureaus by saying that this debt is in collection when in fact it is not. Rather Cach , LLC bought the debt. This false reporting that the debt is in collections is wrong and it is not delinquent at all with Cach , LLC
08/29/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	TX 75034	Web
I agreed to a settlement payment on an old debt and was led to believe by the collector if I accepted the settlement and paid quickly, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact on of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. Original Creditor : XXXX Debt Owner : CACH , LLC Debt Collector : XXXX XXXX, XXXX Original Balance : {$9700.00} Agreed to settlement : {$5300.00} Paid on XXXX/XXXX/2016
03/03/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	OH 43110	Web	Older American
I was studying the year 2009. I went to a XXXX get my XXXX and mi SS. This XXXX start getting money from my SS. When I found out I call them and my make some payments. They told me that get evidence that I ca n't pay the loan. I sent all the evidence to them and I was paying {$5.00} after I sent all the bills they sent me a letter that I do n't have to paid no more. I moved to Ohio and then this Collection company is calling me every at XXXX am to the whole day XXXX times a day. The name was XXXX and now is CACH LLC because XXXX transfer the debt. The numbers are XXXX,XXXX,XXXX etc. When I moved to Ohio I lost that letter that proof is all resolved so I do n't have evidence to show them. Please. Help me.
06/25/2016	Yes	Consumer Loan Installment loan	Managing the loan or lease	NJ 088XX	Web
Fresh view solution is attempting to violate banking usury laws by attempting to collect on an illegal invalid installment loan from XXXX bank through [ XXXX ], furthermore Fresh view has an adverse history in trying to collect debts without original bill of sale chaining all the back to the original creditor in this case Fresh view does not possess any and all required original documentation with original wet signature of officers with personal knowledge from avant again this is a blatant and clear case of fraudulent loan debt collection I am demanding that the CFPB investigate and order this company Fresh view to immediately cease any and all current and future collections of this illegal debt
10/22/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	PA 178XX	Web
CACH holding has not contacted me in the 2 years of debt that I have owed them. I have not received a single phone call or letter from this agency. My credit report shows " criminal activity '' and other key issues that are currently denying me from receiving an auto loan. I have been trying to resolve this issue for over a year, with extreme persistence through the last month. I have not been able to find any contact information about this holding company and my current debt is affecting my ability to acquire a loan for a car that, due to my location of residency, I desperately need in order to continue to remain employed. I need this issue to be resolved this week.
05/02/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 754XX	Web
This information being reported by CACH LLC is inaccurate and still no proof has been sent to me. I disputed with XXXX and this information was removed yet it continues to remain on my XXXX and XXXX report. This company violated the FDCPA by sending me letter offering me a settlement during my dispute period which overshadowed my validation period. I want this matter investigated. My social is XXXX and date birth is XX/XX/XXXX. If I must file a civil lawsuit against CACH LLC to protect my rights I will do just that and notify the media about their unfair and deceptive collection practices. I wonder how many other consumers rights have been violated in this manner.
03/24/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92683	Web
Cach , LLC is reporting an account on my credit report which I do not recognize. I 've disputed it with XXXX claiming it does n't belong to me. XXXX bureaus claim it 's been verified and said I needed to contact the data furnisher to get further information. On XXXX XXXX, 2016 I mailed CACH , LLC a letter requesting all information verifying this account belong to me & they could verify the debt. They have ignored my request for information & are still reporting the account on both XXXX & XXXX credit agencies. I would like this removed immediately since it has been over 30 days since I requested the information & they have never verified/validated the account.
08/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 908XX	Web
I continue to get debt collection notices from CACH , LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I have repeatedly told them they have the wrong person! Pursuant to my rights under federal debt collection laws, I requested in many certified letters that CACH LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' I want them to decease letters to my residence of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX They only verified name and address and started sending notices. I am not XXXX, my birthday is not XXXX/XXXX/1950, and my SSN is not XXXX. Stop the harassment and compromising my identity and credit.
09/11/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 91762	Web
I was turned down for a loan, because my credit report shows a collection filed by CACH LLC, Showing XXXX ITS A as the original creditor. It shows the account opened XX/XX/XXXX. I have never had an account with XXXX and have been unable to speak to anyone at CACH Regarding this account, because I am put on hold for inordinate amounts of time, and never get to speak to a live person. Its interesting to me that an account could even have been open with XXXX Bank XX/XX/XXXX, considering that XXXX stopped operations XX/XX/XXXX. I can not get live person by phone to verify the debt with CACH LLC, and XXXX Bank tells me they do not have access to the records.
04/19/2017	Yes	Credit card	Delinquent account	AZ 85251	Web
Had a XXXX XXXX credit card. Lost job and it went to collections. I have been getting contacted by CACH LLC on acc ount XXXX . I am not familiar who they are. Within my rights, I asked them to provide validation of the debt, proof of how the balance went from what the balance was at XXXX XXXX when the account was open to how the balance got to where it is now. I also asked to provide proof that they are authorized to work on my account on behalf of XXXX XXXX . They refused to provide this. I contacted XXXX and they advised that the new creditor does not have to provide this and has closed the dispute several times.
09/05/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	OH XXXXX	Web
I 'M BEING GARNISHED BY A DEBT THAT IS NOT MINE-THEY REFUSE TO GIVE ME ANY INFORMATION ON THIS DEBIT. NOW I 'M RECEIVING AGAIN THE SAME COLLECTION NOTICE ; DIFFERENT COLLECTOR NAMES WITH DIFFERENT DOLLAR AMOUNTS FROM THE SAME SO CALLED ORIGINAL CREDITOR : FROM : XXXX XXXX COLLECTION BUREAU, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND CACH , LLC. YES ALL XXXX FOR THE SAME DEBT.THIS MEANS THEY WANT TO CONTINUE TO SUE ME XXXX TO XXXX TIMES FOR SOMETHING THAT IS NOT MINE. HOW DOES XXXX AFFORD A LAWYER WITH THIS?? THIS DEBT IS NOT MINE AND I NEED THIS STOP AND IF I COULD I WANT TO SUE ALL OF THEM THIS HAS DAMAGE MY CREDIT. THANK YOU.
12/24/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	OK 731XX	Web
The XXXX XXXX XXXX, XXXX. law firm is representing CACH , LLC in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX XXXX XXXX, XXXX. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.
12/29/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 93536	Web
XX/XX/XXXX I received a court document showing a lien against me in California. I live and work in XXXX so this envelope came to my parents house by regular mail. I emailed CACH asking for proof of it being my debt ... no answer. I gave permission for Cach to negotiate pants with mom ( revolving acct opened XX/XX/XXXX- no pmt made since XX/XX/XXXX. They would not agree to payment plan or negotiate a lesser amount. 5 days later, with no notice, {$2000.00} was removed from my bank account and I am now stranded in XXXX-with no $ $ to return to work after the holidays in XXXX. Does all of this seem legal? XXXXXXXXXXXX
03/14/2017	Yes	Credit card	Customer service / Customer relations	VA 23228	Web
I had a credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXX at one time two collection agency XXXX and Cach LLC was trying to collect from me for the same credit card, after contacting court and you ( CFPB ) one of the attorney from XXXX contacted me and I am actively paying them, Cach LLC continue to send letters with the same account # and different amounts, every time they call me I tell them I am already working with XXXX. at this point I feel they are harassing me, they are also on my credit report, I would like to have them ( Cach LLC ) off my credit report and stop all the unnecessary collection letters
11/03/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	NY 145XX	Web
I had a Credit Card with XXXX XXXX. I paid the amount off XXXX XXXX, XXXX. I have the actual checks that were cashed by XXXX and the actual original bill in XXXX. I have had them deleted off of my credit report by XXXX, XXXX and XXXX as it was proved to be paid in full. It has been deleted several times ; from XXXX County Court, XXXX as well as XXXX XXXX XXXX. They now are taking XXXX from my paycheck every 2 weeks. I do not owe this bill and I can not afford to keep losing money. They have a total of XXXX as of this week. I have all forms and documents to prove my case to fax it. Thank you for all your help.
06/19/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 334XX	Web
I have asked Cach LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
06/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27591	Web
CACH is reporting that I have an outstanding balance owed to XXXX Lending for {$11000.00}. I have contacted CACH to contest the debt ; requesting a copy of the original finance contract ( displaying my signature ), a detailed explanation of charges that constitute the {$11000.00} debt they say I owe, and the account history of this account showing any records of payments that XXXX received. So far, CACH has not supplied me with any of the requested documentation. It is my right under the Fair Debt Collection Practices Act to request this information, and unlawful for CACH not to supply it, upon request.
03/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30115	Web
XX/XX/XXXX/XX/XX/XXXX, Square Two Financial ( now CACH , LLC ) purchased a debt, which they somehow matched on my name, and in spite of more than a dozen attempts to have them resolve the bad data, they not only continue to report this on my credit, but are now fabricating fictitious dates of service to circumvent fair credit reporting laws. The company, in spite of multiple certified letters, numerous phone conversations, and the filing of a police report for identity theft, continues to fabricate false date information, change account numbers, and repost the fake debt on my credit report.
06/02/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was paid	TN 37343	Web	Servicemember
I took out student loans with XXXX. I paid and consolidated the rest of my loans. I contacted XXXX and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail.
10/11/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA XXXXX	Web
I never had a credit card that was in this large amount of {$13000.00}. I did have a card in 2006 but it only had a limit of {$5000.00}. They would refuse to accept any of my offers to pay them smaller amounts. I have no proof that this was the same card. This debt has been sold over and over and CACH , LLC has harassed and scared me with letters over the years. I never received any phone calls and now I am receiving a summons to garnish my wages! I have no job and XXXX children. I have a bank account set up under my father that I do not want them to touch. This is his money, not mine.
06/16/2018	No	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 92782	Web
I disputed XXXX XXXX XXXX account ref # XXXX last XX/XX/2018. More than 30 days have passed and still the account is still on my credit report and found several other violations of both FDCPA and FCRA. I have attached a separate document showing what I have found on my credit report, proves that no proper investigation was conducted Violations such as reporting inaccurate/incorrect dates, misleading/incorrect information, reaging etc. They were given more than 30 days to fix the issue and nothing have been done. This is my last resort before I get a legal counsel involve.
05/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 908XX	Web
I continue to get debt collection notices from CACH , LLC ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I informed them repeatedly that they got the wrong person. Pursuant to my rights under federal debt collection laws, I requested in a certified letter that CACH , LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' They received letter on XXXX XXXX, 2015. On XXXX XXXX, 2015 I received another letter from them asking for monies. I want them to cease and decease letters and phone calls to my residence.
10/26/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 92019	Web
I 'm trying to refinance my home and I was told I have a judgement against the property. No idea., I have lost so much since the housing meltdown. My business and property and lost my job. Finally have a job underpay. I have so much going on., now this cach LLC sue me claim they serve me., which is not true. Now XXXX told me they ca n't continue till the judgment is clear. I do n't know What to do., they file the judgment XX/XX/XXXX. I believe it was charge off by XXXX XX/XX/XXXX/XX/XX/XXXX Please help me
04/27/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	HI XXXXX	Web
I spoke with XXXX people at Cach LLC. The XXXX was a man who was very threatening and said my husband would go to XXXX, etc if I did not pay back his debt that we did not know about. The XXXX was an aggressive woman who actually called me a XXXX after she threatened me. I was legitimately very scared after they threatened my husband and myself. We do not even know what this debt is for and when I asked the man he said he did n't know. Now my husband 's credit report was hit with a civil judgement.
03/14/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 287XX	Web
Stated debt was opened on XX/XX/1991. I was XXXX years old and living at home without a job at the time. They have never provided information regarding what this debt is, or any information to prove it is mine, nor informed me of any hearings in regards to the matter except the final motion to claim exempt property. I was not living in the state of Florida when the final Judgement on the case was served in the state of Florida, nor did I receive any notification this was happening.
08/24/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92122	Web	Older American
I am receiving calls from a debt collection company for a non-existent debt. I originally filed a complaint to comsumerfinance.gov XX/XX/2014. The company'w response was that my name was closely associated with one they had a contract with. They admitted they had no contract with my name or s.s. number and said they had removed my number from their system. However, to this day they continue to call me and leave messages that I need to contact someone in their company about a debt.
02/25/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 10467	Web
In the attached document in additional information. The response is not clear, on who has my debt. it appears, that someone or a another company has the debt, that are not to have under law. Who has the debt, why did they not notify me that they have the debt, and what if any giving information to any other entity. What other companies have a hold on this debt, has ti been sold and resold to other companies, if so, they have violated several federal laws and XXXX XXXX Laws.
04/08/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	PA 19144	Web
I have asked XXXX for an invoice several times now and the company says they can not provide one to me. The debit is from 2013 I do not remember having an account with XXXX during that time. I know during that time someone stole my identity and I did place and social security alert and froze my accounts and changed bank accounts. Perhaps this was the left over result of that, I do not know if I do owe then I need to know why I owe {$280.00}, if I for some reason I do owe.
07/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33309	Web
I recently checked my credit reports as i have not done so for many years and find that this account is reporting inaccurate information which is causing a negative affect on my credit. I request that the creditor verifies the information it is reporting and provide me with copies of the account details such as date and place this account was opened and information regarding the payment history as this account is unknown to me, i have no records of owning this account.
03/17/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 91941	Web
CACH LLC is still reporting negativity on my credit reports. I 've disputed it with all bureaus but the bureaus verified it as a valid account. The account was paid as a paid for delete ... the company agreed to remove the account from my file when we paid it ... I need them to adhere to the agreement as it is damaging my credit. Plus insurance was supposed to pay for the claim so I 'm being dinged multiple times ... please remove it from my file ...
09/17/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	TX 751XX	Web
I was recently informed by a potential mortgage company that there is a judgement against my husband for over {$4300.00}, it was filed on XXXX XXXX, 2008 by CACH , LLC for XXXX Bank. We were never served any papers or notified. I tried to locate who to speak with regarding this but all the trails are dead ends, XXXX bank is out of business & the number I was given to call said I won a cruise. It was filed in a civil court in a town I do n't live in.
11/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 34953	Web	Older American, Servicemember
Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account XXXX/XXXX/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored.
06/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NJ 072XX	Web
Original Creditor is XXXX, XXXX, then it was sold to Cach , LLC and now Fresh View Solutions has the account XXXX. This is not my loan, I have a police report and a fraud affidavit I sent numerous times to all XXXX companies. I have also sent XXXX information on this too and they are still reporting XXXX on my credit report. This is not fair that I have provided the information and I am still be punished for something I never received.
07/26/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	WA 98056	Web
I requested verification of debt owed on XXXX XXXX, 2014 from CACH , LLC via certified USPS letter which was signed for and accepted on XXXX XXXX. CACH , LLC did not respond to the request and has now threatened to sue me and continues to harass me in person ; they sent an individual driving XXXX sedan to follow me when I am walking my dog and constantly take pictures of my roommate and I even after we requested that they stop.
04/04/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	WA 98112	Web	Older American
I think this is my wife 's loan. She did not tell me about this loan. She had loss her business back in 2012 and we then had limited income. I was then the sole income earner. She was later sued from another company for {>= $1,000,000}. We had to get an attorney, which cost is thousands of dollars and this dragged on for over two years. She was not able to win and we had to come to a settlement with the other company.
09/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78210	Web
I was never sent notice of this debt, it just appeared on my credit report. Furthermore this debt is not mine or is older than 7 years old. No debt validation was given or sent or a notice that this account was going to be reported to a credit bureau. i would like proof that this account is mine by company furnishing original signed documents, all payment history if this account is mine, and date of last delinquency.
05/19/2015	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	GA 30342	Web	Older American
XXXX XXXX is reporting that they bought my XXXX account in XX/XX/XXXX. The XXXX Account was opened in XX/XX/XXXX and has been closed for a very longtime. I have written all the credit reporting agencies in an effort to remove this inaccurate credit information ( Exhibit # XXXX ). The XXXX Account ( ACCT # XXXX ) was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/XXXX ( Exhibit # XXXX ) and was discharged.
03/16/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MN 558XX	Web	Servicemember
Cach LLC never contacted me once about a debt they purchased XXXX XX/XX/XXXXXXXX purchased it from XXXX in XXXX. I havent made a payment on this debt since XXXX. XXXX removed their account fTom my credit report because it 's over 7 years old. Cach LLC however is falsely saying it did n't go delinquent until XXXX and refuses to remove it. When I asked them to send me verification of the debt they refused to do so.
03/16/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60010	Web
I recently checked my credit report and saw that I had a {$7200.00} collection with a company called XXXX XXXX. I have never had any accounts with this company and I feel they are fraudulently trying to collect this money from me. I do not owe this money and it must be some kind of mistake or fraud. In addition to this balance being removed from my credit report, I want this account discharged from XXXX XXXX.
09/27/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89521	Web
Filed CFPB dispute towards CACH LLC. CACH LLC responded in a timely fashion and stated that they would contact XXXX XXXX and have false judgement vacated. To date no action has been taken to vacate the judgement. I have attached a copy of the original CFPB complaint and response from CACH which has CACH 's response highlighted in yellow. I have attempted to contact XXXX at XXXX and tried to reach via phone.
01/02/2016	Yes	Credit card	Identity theft / Fraud / Embezzlement	TX 76036	Web
Fraudulent XXXX XXXX XXXX account is reporting on my file. I have disputed this account several times with XXXX, and through CFPB- and they have responded that I need to dispute it with SquareTwo Financial- who currently holds the account even though XXXX is reporting it. I have reached out to this company several times and have not received a response within the state and federally mandated 30 calendar days.
05/17/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92071	Web
On XXXX XXXX XXXX a letter was sent to Cach LLC to validate the debt in question. Their letter dated XXXX XXXX , solely provided me with a letter and no written verification of the debt with my signature. I am requesting that a written validation with my signature be provided or that this negative report be deleted from my credit report. Thank you in advance for your assistance.
06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA XXXXX	Web
XXXX closed the account many years ago and submitted it to CACH LLC for collection. This debt was disputed and the amount owed. CACH continues to report it every year to keep it open on my credit report and I have never received a copy of the orginal paperwork as requested from XXXX. XXXX is reporting it as well as CACH. So I have XXXX companies reporting the same debt each with different amounts.
01/21/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	WA 98444	Web
Cache, LLC filed a garnishment against me on behalf of XXXX XXXX XXXX XXXX. I do not even know who they are. They failed to send me any information regarding this supposedly {$50000.00} loan. They have garnished my personal account and I have no idea who they are. According to the Dept of Licensing, a current investigation is underway to determine and pinpoint their illegal practices.
12/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ XXXXX	Web
This is a paid debt that is more than 10 years ago and yet the original creditor charged it-off but continues to report it even though it is very old. The collection agency has switched several times over 10 years. The current collection firm will not provide me with the note signed by me nor a listing of all payments and dates. This is the third collection agency for this debt.
08/03/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI XXXXX	Web	Older American
Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. It 's passed seven years and they proceed to attempt to collect on it. In the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. Thank you, XXXX XXXX XXXX
04/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NC 28504	Web	Older American
I applied to refinance my home when I found out that CACH , LLC, has a lien against my home in my husbands name, that was filed in bankruptcy .We were discharged XXXX/XXXX/2013. this means they have been paid but wo n't take it off. The amount filed in bankruptcy was XXXX.I am not sure if you can help but maybe if you ca n't you can direct me to the right source.
03/02/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	IL 60073	Web
On XXXX/XXXX/XXXX I filed a complaint against CACH LLC XXXX in regards to a debt on home title that was cleared in BK Chapter XXXX Court. They responded that it was going to be submitted in court to be removed. As of XXXX/XXXX/XXXX it remains on title and I will be forced to Foreclosure very soon as the bank is not wanting to wait much longer.
06/10/2015	Yes	Credit card	Delinquent account	OR 970XX	Web	Older American
An item appeared on my credit report and I have been attempting to resolve with the creditor ( Fresh view Solutions ) XXXX. After being on hold for 1/2 an hour on XXXX occasions, no answer or call back. I can not settle the purported obligation if they ca n't answer my call. This item is impacting my ability to obtain new credit. Acct # XXXX.
10/01/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	PA 15136	Web
I asked for initial application showing where i signed for this debt non produced.The debt collector stated the name as XXXX.My name is XXXX.Im currently XXXX i didnt open this account i think the info is mixed up.Please delete off my report.Im currently qorking with debt doctors and filing bankruptcy.I have no success to get off my credit
01/06/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33130	Web
I received a letter from CACH , LLC regarding a debt I never had any business relationship with CACH , LLC. I wrote a ( certified letter ) requesting verification of the debt. CACH , LLC. did not respond ; instead CACH , LLC. proceeded with legal action against me. I want CACH , LLC to verify the debt as allowed under the credit act law.
04/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75067	Web
I was contacted in regards to a debt that is not mine. I have written several letters and after further review of the FTC guidelines decided to go through the proper channels and have an FTC Affidavit notarized. I sent it certified but this company keeps calling me at work and home. Please help me get this resolved. Thank you
07/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 34471	Web
Cach LLC obtained this loan from XXXX. They sued me and were not able to recovery because the agreement was bound by arbitration. The judge dismissed the case. The note attached to the complaint was a form note with no amounts date or signature to validate the debt. Cach refuses to take this debt off my credit report
04/01/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 30024	Web
I have had CACH LLC impact my credit signifcantly with XXXX accounts on each of the credit bureaus for accounts I never owned I have submitted FTC affadavit & police report as well as ID verification and I contacted them and spoke with them but I still see the negative information reporting on my cedit.
03/29/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	XXXXX	Web	Servicemember
I DO NOT KNOW?, I live in XXXX, and after signing up on karma, XXXX to 8 months later these XXXX ( XXXX ) remarks shows up on my credit history. I written to both companies over two ( 2 ) weeks ago and no response, using your cfpb letters. I want these wrongful remarks off my credit history.
07/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	WA 985XX	Web
Back in 2008 we had to get a loan to pay for our vehicle to get fixed, an so went foolishly with one of those high interest XXXX loans. I defaulted on that loan. Now, CACH LLC has placed a levy against me for that old debt, and if it goes through me and my family will have nothing to live on.
02/17/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	VA 230XX	Web
I did not receive documents from the original lender, the original would not respond because the account was sold. After many calls to the collection agency, I then wrote a letter. They refused to supply me with any documentation before I made a payment.
01/12/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	VT 057XX	Web
Judgment with Reference # XXXX, reported on XXXX/XXXX/2012 appears on my credit reports. Base on understanding, I do n't remember being served. I am writing this complain so that this judgment can be justified and/or removed from my credit reports.
12/29/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AL 352XX	Web	Older American
While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake.
08/26/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 10710	Web
I have been taken to small claims court through the XXXX, without EVER being notified of the court proceedings or the debt being requested. I do not even know what the debt is for, how much or when the debt is from.
08/19/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 11219	Web
they keep collecting debt that 's not mine they took me to court and stopped the case because they forged documents signatures etc. so they agreed to stop all collections now they put it back on my credit report.
07/27/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	FL 32822	Web
Received a voicemail from a woman asking me to call back about a debt, but did n't identify mini Miranda, nor who she was looking for and my outgoing voicemail message does n't identify anyone.
08/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 28804	Web	Older American
I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls.
09/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	IL 60655	Web
COLLECTION AGENCY COUPLED WITH LAWFIRM VIOLATED FCRA, FDCPA, TCPA, SOL, PRIVACY AND CIVIL RIGHTS VIOLATIONS. SERVED ME AND SAID WILL SUE ME TOO ON BEHALF OF XXXX XXXX XXXX
02/22/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NY 10467	Web
I inquired to Cach LLC in XXXX CO and XXXX XXXX about an debt collection action on my credit report. I made this inquiry on XXXX XXXX, 2016. I have not heard from them
09/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 08043	Web
CACH LLC did not validation for this debt. I do n't have any sign document or any business with them. on my credit repot claiming unpaid debt by CACH LLC.
04/14/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	NY 10303	Web
I sent XXXX debt validation requests to CACH LLC and they have ignored all of my requests. I do not recognize this debt and I need proper validation.
04/19/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 94303	Web
The creditor sued me and obtained a judgement against me and subsequently garnished my wages on debt that had passed the statute of limitations.
08/18/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	KY 42003	Web
This credit card account is just now coming to my attention. I did not open a credit card through XXXX bank based out of Nevada at any point.
01/20/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NJ 07107	Web
I requested verification of debt and no information has been received. I need signed documents that I entered into contract with CACH LLC.
07/10/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 902XX	Web
Cach LLC has contacted me repeadly to collect on a debt I do not owe, and they have not responded to my request for debt validation.
07/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60655	Web
CACH , LLC KEEPS SKIP TRACING, BACKGROUND CHECKS UNLAWFUL SERVICE OF SUMMONS AND LAWSUITS. TCPA, FDCPA AND COLLECTION FRAUD ET..
04/23/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 11201	Web
Repeated calls from " Fresh View Solutions '' about unspecified debt of an unspecified debtor over the course of several months.
08/04/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	GA 30066	Web
THIS COMANY IS REPORTING A NEGATIVE REPORT ON MY REPORT AND I HAVE ALREAD YED THEM PLEASE REMOVE FROM MY CREDIT THANKS
01/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77627	Web
I was in middle of buying a home and the title company found a judgement against me that was n't on my credit.
02/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 33331	Web
debts are still reporting in the credit file. however, debts were paid back 2013 as part of settlement.
01/22/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 640XX	Web
Received demand letter from law firm stating I owe them XXXX
11/04/2015	Yes	Credit reporting	Incorrect information on credit report Information is not mine	OH 45150	Web
This collection does not belong to me, some one else used.
01/28/2019	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Received unwanted marketing or advertising	OR 971XX	Web
constant sales pitches.and hangups
03/19/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 33594	Fax	Servicemember

01/28/2018	No	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60532	Web

12/28/2017	No	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	ME 04041	Web

06/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75169	Web	Servicemember

06/19/2017	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 95648	Web

06/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 18104	Web

05/25/2017	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	TN 38109	Postal mail

05/18/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98409	Web	Servicemember

05/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60104	Web	Servicemember

05/05/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34233	Postal mail

05/02/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MA 02072	Postal mail

04/21/2017	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	WV 26501	Web

04/21/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WV 26206	Web

04/19/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	GA 31324	Web

04/10/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AR 71913	Web	Older American

03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 34745	Referral

03/17/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IN 46227	Postal mail

03/16/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MN 55445	Phone

03/16/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MN 55379	Web	Servicemember

03/14/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	GA 30287	Postal mail

03/10/2017	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	FL 34655	Web

03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 16510	Web

03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	LA 60101	Web

02/28/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	HI 96768	Phone

02/22/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 90028	Web

02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 35470	Postal mail

02/14/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76002	Web

02/09/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NC 28374	Web

02/08/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60443	Web

02/05/2017	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MI 49417	Web

01/29/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 90015	Web

01/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	PA 15235	Fax

01/24/2017	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	FL 33019	Web

01/24/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 90001	Web

01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11520	Web

01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11520	Web

12/13/2016	Yes	Payday loan	Can't contact lender	GA 30137	Web

12/07/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TN 37406	Web

11/28/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	NY 11710	Web

11/28/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MI 48084	Web

11/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76126	Web

11/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11580	Postal mail

11/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 11411	Postal mail

11/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MN 55445	Web

11/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 14512	Fax

11/07/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NY 14512	Fax

11/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07950	Web

10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32514	Web

10/31/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	IN 46142	Web

10/30/2016	Yes	Debt collection I do not know	Taking/threatening an illegal action Seized/Attempted to seize property	CA 94577	Web

10/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 90710	Web

10/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11434	Phone

10/17/2016	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IN 46234	Web

10/15/2016	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Not given enough info to verify debt	OR 97403	Web

10/05/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11414	Postal mail

10/05/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 14624	Web	Servicemember

10/05/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AL 35061	Web

10/03/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 08010	Phone	Older American

09/27/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	LA 71251	Web

09/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75762	Web

09/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10463	Web

09/10/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	GA 30125	Web

08/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MO 63857	Postal mail

08/26/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NV 89521	Web

08/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11377	Referral

08/12/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33025	Web

08/09/2016	Yes	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	PA 17601	Web

07/29/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	FL 33460	Web

07/28/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	OH 43055	Web

07/19/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NE 68848	Postal mail

07/18/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NE 68848	Postal mail

07/18/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NE 68848	Postal mail

07/15/2016	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	GA 30236	Web

07/13/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	NC 27701	Phone

07/09/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33157	Web

07/05/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 77386	Web

06/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AZ 85023	Postal mail

06/24/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	TX 75043	Web

06/23/2016	Yes	Credit card	Other	FL 33319	Web

06/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 07712	Web

06/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 14616	Web

06/07/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CO 80226	Web

06/06/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	MO 63834	Web

05/31/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33708	Phone	Older American

05/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80906	Web	Servicemember

05/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33594	Web	Servicemember

05/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20716	Fax	Servicemember

05/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	AZ 85224	Web

05/02/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CO 81524	Web

05/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11559	Web

04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	ME 04042	Web	Servicemember

04/27/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	FL 34743	Web

04/27/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	WV 25428	Web

04/22/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	MD 21811	Web

04/19/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 93117	Web

04/14/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MD 21209	Web

04/07/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	GA 31069	Web	Servicemember

04/04/2016	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	PA 19145	Web

04/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60025	Web

03/31/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11803	Web

03/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NJ 07657	Web

03/20/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 91325	Web

03/17/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 70461	Referral

03/02/2016	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Received bad information about my loan	WI 53711	Web	Older American

03/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07010	Postal mail

02/29/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	MN 55810	Web

02/24/2016	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	MA 01082	Web

02/22/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	HI 96734	Web

02/19/2016	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WY 82001	Web

02/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	OH 45205	Web

02/04/2016	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 90039	Web

02/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32854	Web

02/02/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NM 87508	Web

02/01/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 75497	Web

02/01/2016	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	SC 29316	Web	Older American

01/27/2016	Yes	Credit card	Bankruptcy	CA 95401	Web

01/25/2016	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 91007	Web

01/22/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60612	Referral

01/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30066	Web

01/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 95667	Postal mail

01/12/2016	Yes	Credit reporting	Incorrect information on credit report Public record	CA 92008	Web

01/05/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NE 69363	Fax

12/31/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	NC 28215	Web

12/30/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	WA 98110	Web	Older American

12/28/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	ME 04605	Web

12/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PA 17406	Referral

12/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91342	Postal mail	Older American

12/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10452	Phone

11/25/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	NJ 08844	Web

11/13/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94105	Web

11/05/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91206	Referral

11/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt		Postal mail

10/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60563	Phone

10/22/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 77803	Web

10/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32810	Referral

10/16/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TN 38141	Web	Older American

10/16/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	SC 29229	Web

10/04/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 93722	Web

09/26/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 95621	Web

09/25/2015	Yes	Credit card	Other	IL 62656	Web	Older American

09/24/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Attempted to/Collected exempt funds	NC 28211	Referral

09/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MI 48049	Web

09/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11365	Web

09/18/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11362	Web

09/17/2015	Yes	Student loan Non-federal student loan	Can't repay my loan Can't decrease my monthly payments	OH 44212	Web

09/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AZ 85251	Web

09/15/2015	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	SC 29706	Postal mail

09/14/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 07002	Web

09/02/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	PA 17403	Web

08/22/2015	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	MD 20877	Web

08/13/2015	Yes	Debt collection Non-federal student loan	Disclosure verification of debt Right to dispute notice not received	MA 02458	Phone

08/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	WA 98107	Web

07/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30350	Referral

07/28/2015	Yes	Credit card	Identity theft / Fraud / Embezzlement	CA 95816	Fax	Servicemember

07/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77493	Web

07/16/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	WA 98944	Referral

07/13/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	RI 02879	Web

07/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34684	Web

07/08/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	FL 32808	Postal mail

07/06/2015	Yes	Debt collection I do not know	False statements or representation Impersonated an attorney or official	AZ 85226	Web

07/01/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	FL 32254	Web

06/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	PR 00602	Postal mail

06/30/2015	Yes	Credit card	Delinquent account	FL 32778	Web	Older American

06/29/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46324	Phone	Older American

06/25/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 10466	Web

06/24/2015	Yes	Bank account or service Other bank product/service	Deposits and withdrawals	NY 11427	Postal mail

06/22/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95838	Web	Older American

06/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NJ 07849	Referral

06/07/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	KY 40601	Web

05/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney	FL 34669	Web

05/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney	FL 34669	Web

05/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10308	Web

04/28/2015	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	AL 36116	Fax

04/27/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 10562	Phone

04/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MA 02025	Referral

04/17/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27520	Web

04/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34953	Web

03/27/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AZ 85255	Web	Servicemember

03/11/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	NJ 07305	Web

03/10/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	AZ 86442	Web

03/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	SD 57201	Web

03/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29170	Web

02/27/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 76271	Web

02/27/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IL 60642	Web

02/27/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MD 21078	Web

02/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 49423	Web

02/24/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TN 37387	Web

02/14/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 91767	Web

02/14/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32828	Web

02/14/2015	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IL 62959	Web

02/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	CT 06032	Web

02/10/2015	Yes	Credit card	Delinquent account	VA 23228	Web

02/09/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 95823	Web

02/06/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 94804	Postal mail

02/04/2015	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	GA 31217	Web

02/02/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	CA 94019	Web	Servicemember

01/30/2015	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	TX 77041	Web

01/28/2015	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	DC 20032	Web

01/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30024	Web

01/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30024	Web

01/13/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NH 03079	Web

01/09/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	PA 19018	Web

01/07/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	DE 19977	Web

01/06/2015	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	OK 73145	Web	Servicemember

12/30/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77389	Web

12/28/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	FL 32202	Web

12/24/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	VA 23454	Postal mail

12/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77083	Web

12/23/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77489	Web

12/22/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11214	Web

12/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77061	Web

12/17/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NY 11772	Web

12/12/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	MD 21811	Web

12/12/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 79424	Web

12/09/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	IN 46236	Web

12/05/2014	Yes	Debt collection Federal student loan	Taking/threatening an illegal action Sued w/o proper notification of suit	PR 00926	Web

12/02/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	HI 96706	Web

11/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92122	Web	Older American

11/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	LA 30073	Web

11/19/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	KY 42411	Web

11/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	PA 15216	Web

11/14/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	GA 30180	Referral

11/13/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 07111	Web

11/08/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	FL 34736	Web

11/05/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CT 06029	Web

11/04/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	WV 26582	Web

11/01/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	FL 33162	Web

10/20/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 91331	Web

10/17/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32818	Web

10/01/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91344	Web

10/01/2014	Yes	Consumer Loan Installment loan	Taking out the loan or lease	PA 19132	Web

09/21/2014	Yes	Debt collection I do not know	False statements or representation Indicated committed crime not paying	FL 34232	Web

09/20/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	MI 48125	Web

09/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NJ 08096	Web

09/18/2014	Yes	Credit card	Credit card protection / Debt protection	TX 77084	Web

09/11/2014	Yes	Credit card	Other	MO 63138	Web

09/03/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	NY 10980	Web

08/28/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 11212	Web

08/23/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 92620	Web

08/22/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	MI 49685	Web

08/20/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 79936	Phone

08/18/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 75077	Web

08/11/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	AZ 85083	Web

08/11/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	NY 13203	Web

08/02/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NJ 07109	Web	Older American

07/31/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 11706	Web

07/30/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	IL 60622	Web

07/26/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	IL 62959	Web

07/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30093	Postal mail

07/15/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 90723	Web	Older American

07/14/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NY 11235	Web

07/11/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 27616	Web

07/08/2014	Yes	Debt collection Non-federal student loan	Taking/threatening an illegal action Threatened to sue on too old debt	CA 90254	Web

07/07/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	WA 98663	Phone	Older American

07/03/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	UT 84121	Fax

07/01/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 90064	Web

06/29/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CO 80645	Web

06/25/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94915	Web

06/24/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 32828	Web

06/17/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91910	Web

06/16/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	WA 98116	Postal mail

06/13/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	IN 46260	Web

06/11/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened arrest/jail if do not pay	NJ 08081	Postal mail

06/09/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	VA 20171	Web

06/09/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	VT 05452	Phone

06/03/2014	Yes	Bank account or service Other bank product/service	Account opening, closing, or management	TX 75019	Postal mail

06/02/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 92127	Web	Older American, Servicemember

05/28/2014	Yes	Credit card	Billing disputes	WA 98040	Web

05/25/2014	Yes	Debt collection Mortgage	False statements or representation Attempted to collect wrong amount	TX 75243	Web

05/16/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	TX 77532	Web

05/16/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27703	Web	Servicemember

05/07/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 31008	Web

05/07/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 11207	Referral

05/02/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted me after I asked not to	CA 93030	Web

04/29/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	LA 70817	Web

04/29/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	WI 53207	Web

04/29/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	AZ 86018	Web

04/25/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MI 48430	Web

04/19/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CT 06405	Web

04/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30156	Web

04/17/2014	Yes	Credit card	Delinquent account	NY 13502	Web

04/12/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	ME 04981	Web

04/10/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08005	Web

04/09/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80015	Postal mail	Older American

04/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	HI 96792	Web

04/08/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MI 48529	Web	Servicemember

04/03/2014	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	PA 15136	Phone

04/02/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	WA 98684	Web

04/02/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	NJ 08812	Web

03/29/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated shouldn't respond to lawsuit	IL 61525	Web

03/24/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	UT 84010	Web	Older American

03/19/2014	Yes	Credit card	Privacy	IN 46205	Web

03/18/2014	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	PA 17339	Web	Servicemember

03/18/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 77090	Web	Older American

03/10/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98043	Web

03/07/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NY 10026	Referral

03/06/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CO 80016	Phone

03/01/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	IL 60446	Web

02/28/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	NH 03104	Web

02/28/2014	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	FL 33027	Web

02/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NC 27703	Web

02/21/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91356	Web	Older American

02/14/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 14534	Referral

02/12/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	IN 46733	Web

02/09/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 18466	Web

02/07/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	FL 32164	Web

01/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	VA 24161	Web

01/31/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	VA 24161	Web	Servicemember

01/30/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 10030	Postal mail

01/27/2014	Yes	Credit reporting	Incorrect information on credit report Public record	NC 28793	Web

01/24/2014	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	TX 78245	Web

01/22/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 91360	Web

01/22/2014	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 78586	Web

01/07/2014	Yes	Debt collection Credit card	Taking/threatening an illegal action Threatened to sue on too old debt	CA 91324	Web

01/06/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11368	Web

12/30/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OR 97525	Web	Older American, Servicemember

12/30/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 10462	Web

12/28/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OR 97230	Web

12/22/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 95117	Web

12/20/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 93550	Phone	Older American, Servicemember

12/10/2013	Yes	Debt collection I do not know	Taking/threatening an illegal action Sued where didn't live/sign for debt	FL 33454	Web

12/04/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NC 28166	Web

12/02/2013	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	NE 68358	Fax

11/27/2013	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	CA 95823	Web

11/26/2013	Yes	Debt collection Credit card	False statements or representation Indicated shouldn't respond to lawsuit	CA 94019	Web

11/25/2013	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MD 21209	Web

11/20/2013	Yes	Credit reporting	Incorrect information on credit report Public record	IL 60608	Web

11/19/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	TX 76108	Web

11/19/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued w/o proper notification of suit	CA 92591	Web

11/19/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NV 89521	Postal mail

11/15/2013	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	FL 32605	Phone

11/13/2013	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	PA 17036	Web

11/12/2013	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	VT 05452	Web

11/11/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	TX 76108	Web

11/07/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 11530	Phone

11/05/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	VA 20171	Web	Servicemember

11/04/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	WA 98058	Web	Servicemember

11/01/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33324	Web

10/29/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78251	Referral

10/25/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	CA 95670	Web

10/22/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 07731	Web

09/30/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33416	Web

09/27/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me instead of my attorney	PA 18510	Phone

09/26/2013	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CA 91006	Web

09/20/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	OH 45140	Web

09/20/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 65619	Web

09/17/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CT 06519	Phone	Servicemember

09/13/2013	Yes	Credit reporting	Incorrect information on credit report Account status	TX 75068	Web

09/13/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94580	Web

09/11/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 32433	Postal mail

09/11/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	MN 56031	Web

08/22/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 43113	Web

08/17/2013	Yes	Debt collection Credit card	Communication tactics Threatened to take legal action	CA 90291	Web

08/07/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 48081	Web	Servicemember

08/05/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MD 21044	Phone

07/29/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Seized/Attempted to seize property	FL 32118	Phone	Older American

07/26/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	GA 30106	Web

07/24/2013	Yes	Credit reporting	Incorrect information on credit report Account terms	RI 02860	Web

07/19/2013	Yes	Debt collection Credit card	Communication tactics Frequent or repeated calls	CA 93190	Web

07/17/2013	Yes	Credit reporting	Incorrect information on credit report Account terms	MI 48866	Web

07/12/2013	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt		Phone