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

First XXXX XXXX deleted all my past history of good credit especially when it was XXXX. All my payments especially my loans have been on time and paid off early. I continue to do so. 

Lien was placed against from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Attorney XXXX XXXX XXXX, Fl. I showed them checks I made the payments on time for the HOA dues and still they placed a lien against me. 

I don't understand how I make payments on time, provide copies of the payments and still a lien is placed against me. Talking about being XXXX  XXXX financially. 

I made payments to XXXX XXXX from XXXX to XXXX. On time. Double payments, Triple Payments at times and they said I took out a home mortgage which I never did for XXXX. On my credit from XXXX to XXXX on the credit report it states I made payments on time. No disclosure on the credit report for monthly amount. XXXX it states I owe XXXX? How in the XXXX does that happen. 

I am so happy I kept the documents I did. I understand everything the bank I have now but XXXX XXXX and even XXXX XXXX, the XXXX XXXX and XXXX XXXX the attorneys are they incompetent or just want to committ fraud and get away with it. 

No matter what I do, how consistent I stay, my credit score does not go over 690. 

I used to think it was just me, but speaking with others, much of it has to do with how each state has their laws written, on protecting victims, from car accidents, insurance, financial fraud, ect. 

Just adding due to my other complaint against XXXX XXXX, but someone has to rewrite the foreclosure laws and liens. Every State should have a law clerk, as a mediator before a lien or foreclosure is filed. Review all facts. Many of these foreclosures are bank, major bank errors and management errors. Having a foreclosure or Lien, no fault by the consumer, is detrimental to the person 's credit. 

I hope something positive comes out of this whole darn mess with XXXX XXXX and those MegaBanks and Liens. The consumer has a lead way to fight and show facts without hiring an attorney and going through a costly and mentally draining court case. 

We don't deserve it. I speak for many of us. 

By the way, has anyone from the DOJ, Secret Service, FBI pay the CEO XXXX XXXX and XXXX XXXX 's board and their foreclosure and their mills a visit and discuss XXXX XXXX with them. 

XXXX XXXX is a criminal entity. 

I know I went on a tangent from Credit Scores but banks and anyone handling our finances should be accoutable for their misleading actions which destroyed their credit, their needs to be criminal charges against them and restitution to be paid. 

# Law Clerks in each state as a mediator for foreclosures and liens before it is filed in the court system and banks should do everything in their power to eliminate foreclosures when the consumer shows good cause or bank errors. There should never be a forced foreclosure or lien on anyone. 

XXXX XXXX and many banks program their loans and they do not tell the customer which program they will use. Honestly how many read the whole contract. How they apply your payments and many banks used a program that made a cusotmer 's loan have 10 to 15 thousand owed more then what they were told. A lot of deceit is used among banks. More than you know. 


p.s. I was in a car accident and sustanined a concussion and dealing with post concussion. The advice from my soon to be ex attorney took the advice from him to settle and admit guilt even though I was right. Talking about feeling financially XXXX  XXXX. XXXX XXXX is right in line with them.