Datasets:

PaawanPurdhani

/

Complaints

like 0

credit_reporting

validated however equifax currently report updated verified violation back sent validation request today received response letter

credit_reporting

sent challenge letter transunion time say account verified verify account reporting accurate reporting different information conducted full proper investigation answer attaching copy report see inaccuracy reporting first account includes letter l reading metro violation reporting term account status different high credit different comment way different bureau even comment dispute clear violation date last active different date last payment different year payment history totally different reporting ok reporting new charge every month killing score transunion reporting nothing

credit_reporting

disputed back still show experian date last updated violation fcra rule following sufficient reinvestigation please see attachment

credit_reporting

clear one advantage received phone call email called back advised gone day would attempt contact back never received response via email phone called back callback list lady spoke may stated name recall nevertheless stated account manager proceeded without verifying speaking immediately call emailed received response emailed company customer service twice still received nothing advised would contact cfpb lack professionalism lack also previously advised put stop payment month bank ach setup never said would give nsf fee advised agent paying attempted get waived supervisor denied also attempted remove account ach said unable feel misleading violation udaap definitely believe lack customer service courteous customer horrendous definitely audited

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable remove fraud account asap

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable remove fraud account asap

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable remove fraud account asap

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable account mine victim identity theft remove asap

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity company unprofessional also sent copy police report contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person also file cfpb ftc unacceptable

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity company unprofessional also sent copy police report contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person also file cfpb ftc unacceptable

credit_reporting

victim identity theft year collection agency placed collection credit report fraudulent activity company unprofessional also sent copy police report contacted collection agency original creditor explained transferred several time disrespected customer service rep explaining situation wrong person also file cfpb ftc unacceptable

credit_reporting

victim identity theft year placed collection credit report fraudulent activity contacted original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report

credit_reporting

victim identity theft year placed collection credit report fraudulent activity contacted original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable

credit_reporting

victim identity theft year placed collection credit report fraudulent activity contacted original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable

credit_reporting

victim identity theft year placed collection credit report fraudulent activity contacted original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable

credit_reporting

victim identity theft year placed collection credit report fraudulent activity contacted original creditor explained transferred several time disrespected customer service rep explaining situation wrong person company unprofessional also sent copy police report also file cfpb ftc unacceptable

mortgages_and_loans

alliant credit union fairly recently switched new online portal broke autopay never informed received threatening letter stating loan delinquent attempted many time fix autopay website still kind bug prevents getting autopay working error stating autopay already configured must call support assistance contacted support many time via phone secure online message asking issue rectified get alliant support wasted hour time trying get resolved avail website bug support unable get autopay working charging late fee always autopay enabled never missed payment broke autopay transition new portal furthermore initially set autopay set pay bit monthly expected payment option selected remaining extra payment applied principal examination since issue happened appears extra payment towards principal actually applied principal yet provide loan amortization schedule date back first payment unable reconcile account online statement go back far enough asked alliant provide statement since loan inception still sent

credit_reporting

filed dispute regard incorrect item credit report well day received investigation result

credit_card

received email citibank account closed due continuous month per card agreement last transaction last payment activity month ago le month per card agreement yet citibank closed account clearly big gap month month citibank also failed provide failed reach customer prior wrongful account closure even inactivity pas month spoke customer service could assist unprofessional need additional coaching training asked citibank closed account although inactivity pas month neither could answer stated citibank right also asked provide communication sent regarding account inactivity prior account closed could provide proof clearly abusive business practice major bank intentional action justified time right honored given situation customer right ignored especially america going situation sure citibank response state citibank closed account due inactivity stated customer agreement fail address fact regardless inactivity going le month citibank closed account anyhow order reopen account citibank pull credit hard inquire applying new credit card process citibank closed account since inactivity even come close month question simple account inactivity occurred passing month citibank closed account citibank reopen account per error made citibank wrongful account closure expect see reasonable explanation citibank rather saying account closed due inactivity consumer financial protection bureau actively involved case asking citibank question citibank closed account even inactivity pas month

credit_reporting

issue experian system showing false negative compliant credit security freeze status issue experian could remove security freeze place false displayed showing security freeze damage causing extreme financial loss complaint complaint could refinance mortgage loan case experian letter complaint showed security freeze permanently removed attachment page experian letter complaint indicated credit file display freeze attachment page complaint complaining experian security freeze fact removed despite displayed freeze experian rep dispute dept insisted freeze compliant explained false display system actual freeze still place complaint made repeated call experian different date time let know freeze still rep could remove freeze system showing freeze complaint banker trying conduct credit check complaint experian credit email message experian customer care rep confirmed complaint file still security freeze attachment compliant took screenshot experian membership screen clearing showing security freeze still attachment taken need address system showing security freeze false negative fact security freeze still experian need remove complaint security freeze globally promptly freeze continue cause extreme financial hardship complaint family

credit_card

purchased mattress ct purchase financed synchrony financial new consumer account promotional offer financing expires purchase size two purchase added newly opened account one another promotional offer financing expires purchase size two extra purchase next day purchase error fraud allowed two new purchase added new account contacting retail location synchrony issue credit charge purchase made total amount owe became correct however credit proportionally distributed three different loan balance though total amount owed correct share balance promotion expires incorrect technically still loan open purchase make le favorable term contacted synchrony explaining issue via email complied fixing correct resolution would remove erroneous loan account issue credit total amount forced pay total balance accelerate manner versus term given breach term contract signed

credit_reporting

main financial advertised offer signed false advertisement offering loan payback therefore think remove hard inquiry false advertisement sent letter car refinance ended hard inquiry remember much want inquiry last longer credit report

debt_collection

penn credit pa attempting collect debt state california storm water resource board money owed facility longer required file state ca annual permit storm water compliance notice termination filed mailed state ca ca state ca storm water confirmed via email receipt notice termination contact information telephone number penn credit began collection attempt contacted penn credit pertinent information dismiss debt contacted penn credit pertinent information dismiss debt penn credit contacted u via mail regarding debt letter dated contacted penn credit via telephone fax email information previously provided penn credit penn credit creative changing penn credit id reference number create new debt cycle

debt_collection

please take thing credit report account name account number account type credit card account status term payment status paid paying agreed date open monthly payment past due balance high balance limit comment company documented payment past month company past due balance thing place bankruptcy pay last payment date account name account number account type collection account status open account original creditor open date close open last payment amount past due amount original balance current balance comment chapter date account name account account type collection account status open account original creditor open date close open last payment amount past due amount original balance current balance comment paid collection last payment date account name account account type collection account status open account original creditor open date close open last payment amount past due amount original balance current balance comment chapter bankruptcy last payment date account namxxxx account number account type collection account status open account original creditor open date close open last payment amount past due amount original balance current balance comment chapter bankruptcy last payment date account name account number account type collection account status open account original creditor open date close open last payment amount past due amount original balance current balance comment chapter bankruptcy

credit_card

bought plane ticket chase actually called credit card number im sure distinction chase travel chase point little talk pandemic issue charged sapphire card bought using point sapphire account equiv cash value flight supposed depart return travel ban imposed reporting travel ban going happen point ban reason alone cancelled reservation sure exact day within day travel ban position cancellation reservation invalid cancel reason could take flight right time sure exactly within day disputed charge chase travel chase sapphire credit card day paid two ticket paid one point asking refund seven month dont pay last week told pay flight couldnt take merry go round continues receiving bill interest late charge accruing two ticket originally costing find following four enclosed item provide additional detail letter submitted local chase rep manager consumer banking getting nowhere phone support people hoped real person would help situation kind forwarded onto corporate recently received corporate response agreed position said hand tied corporate nothing else offer advice take lawyer lawyer want part please tell weve resolved dispute recent kidding didnt resolve dispute need pay original email booking confirmation chase travel

credit_reporting

advertised offer signed false advertisement offering loan payback therefore think remove hard inquiry false advertisement capital one sent letter car refinance ended hard inquiry remember much want inquiry last longer credit report

credit_reporting

unfair reporting equifax record bad credit call conflict intrests income derived creditor consumer score provided bias also equifax data breach website say personal information impacted website requires hand movement paralized hand unable year old grew pay phone unable access site due fraud two credit card never resolved credit destroyed equifax data breach website say may claim paid seriously private data dark web law protect elderly target even close fair

credit_reporting

unfair reporting record bad credit call conflict intrests income derived creditor consumer score provided bias also data breach website say personal information impacted website requires hand movement unable year old grew pay phone unable access site due fraud two credit card never resolved credit destroyed data breach website say may claim paid seriously private data dark web law protect elderly target even close fair

credit_card

writing still hold spent minute hold far regarding costco visa card issued citibank unable access credit card account past hour since tried accessing account citibank website citibank app iphone channel unsuccessful hold total hour minute past day end sight citibank error message outright misleading false customer support representative blaming browser issue spouting bunch falsehood outright lie citibank website app say temporary issue try logging back minute outright lie bottomline unable access even reset credential account bank need shut liar crook working deserve thrown jail

debt_collection

network assistance authorized bill invalid date service claim performed assistance never saw never talked never authorized anything billed insurance denied network never authorized primary network received billing manager disputed bill requested documentation authorization service response contact unpaid bill reported credit bureau contact collection agency noticed lower credit rating called billing dispute phone rep told collection agency capital account took note account manager call back also said provider pick message month contact billing dispute letter sent capital account responded bill documentation authorized billing submitted texas department insurance complaint second letter requesting removal credit bureau filing clear credit unable support bill response documentation

mortgages_and_loans

please note point contact assigned person loss mitigation file point contact also referenced letter ive experienced continuous unfair treatment shellpoint mortgage servicing newrez llc dba shellpoint mortgage servicing point contact discrimination occurred working receive loan modification mortgage concern havent addressed shellpoint mortgage servicing several complaint management allowed continue ive trying receive modification following constantly emailing calling submitting requested documentation ive process since beginning ive went long period never receiving update file even point contact two telephone number email address directly reach process ive received update new requirement file talking random shellpoint representative assigned loan due point contact responding point contact never informed loan modification option im investor beneficial term lower interest rate lower monthly cost point modification specialist shellpoint mortgage servicing withheld program detail attempted steer le favorable loan term present option isnt true learned speaking another shellpoint mortgage servicing representative discrimination beginning loan modification process continued worsen complaint point contact within loan modification department shellpoint mortgage servicing retaliating based complaint ive made believe retaliation furthering adverse loan circumstance complaint due discrimination unethical behavior doesnt meet fair lending requirement redlining point contact held file back underwriting caused receive required assistance need get caught payment save home adverse condition foreclosure submitted required document loan truly never submitted point contact point contact purposely tried steer learned cmod highest monthly amount shes aware cant afford cmod doesnt reduced interest rate higher monthly payment amount never informed different loan modification im streamline flex mod learned streamline loan modification wouldnt require document first another shellpoint representative isnt assigned file even learning streamline option point contact attempting hold process email correspondence requiring document signed requested due could final sign document loan modification due working printer state lockdown denied point contact even receiving every requested document underwriting chose hold loan reason could wasnt true requirement review point contact never informed flex mod investor reduced interest rate term shellpoint mortgage servicing isnt adhering guideline individual experiencing hardship based point contact deliberately discriminating loan modification process jeopardizing home ask would point contact loan modification department withhold affordable option concerned homeowner experiencing hardship global pandemic deliberately told information isnt factual ive learned told higher payment would required three month investor requires higher payment see serious retaining home isnt case deliberate act presenting false statement steer program totally different modification program offered actually higher payment prior applying loan modification chose single try make impossible afford plan also told information would delivered within day learned modification plan finalized nothing ever sent via also learned cmod arent standard modification people submitted representative submitting borrower flex streamline program never offered week almost two month process delayed purposely point contact also learned loan modification must eligible trial period start stated told already approved isnt case trial period would start ive also learned nothing missing submitted however loan modification sent back point contact due correction submission never complete missing information trial start summary note two item could easily responsibility however chose could continue derail assistance im desperate need ive requested point contact changed time never done requested manager manager manager step directly correct deliberate mistreatment ive faced requested point contact changed isnt able adversely affect process save home longer requested shellpoint mortgage servicing investigate recorded call email note im aware action requested ever completed help shouldve never experienced deliberate unfair action block process successful loan modification manager assigned point contact well shellpoint representative received several correspondence regarding issue complaint nothing resolved im filing complaint ive never experienced outright deliberate discrimination lending experience prior loan modification application really discouraging assistance management stop individual purposely trying cause hardship force homeowner foreclosure purposely withhold program option beneficial im investor requested formal complaint made within shellpoint dont believe ever anything regarding complaint request either shellpoint mortgage servicing provide available option fair loan term borrower regardless color disability status area reside

credit_reporting

dear may concern name requesting investigation inaccurate account within day according fair crediting reporting act correct name name incorrect please delete attached proof identity info employee employment information belong business reported obligation please delete reference credit report reported provide full information account must delete reported monthly payment closed account delete immediately reported monthly payment closed account delete violation count several item report legally allowed report inquiry miscellaneous unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry inquiry unauthorized date furnisher violated reporting compliance reporting dispute status inquiry inquiry unauthorized date furnisher violated reporting compliance reporting dispute status inquiry inquiry unauthorized date furnisher violated reporting compliance reporting dispute status unauthorized inquiry data furnisher violated reporting compliance reporting contact information

credit_reporting

dear may concern name requesting investigation inaccurate account within day according fair crediting reporting act reportedxxxx correct name name incorrect please delete attached proof identity info employee employment information belong business reported obligation please delete reference credit report reported provide full information account must delete reported monthly payment closed account delete immediately reported monthly payment closed account delete violation count several item report legally allowed report inquiry miscellaneous unauthorized inquiry data furnisher violated reporting compliance reporting contact information bank unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry inquiry unauthorized date furnisher violated reporting compliance reporting dispute status inquiry inquiry unauthorized date furnisher violated reporting compliance reporting dispute status inquiry inquiry unauthorized date furnisher violated reporting compliance reporting dispute status unauthorized inquiry data furnisher violated reporting compliance reporting contact information

retail_banking

duplicate told cfpb representative make sure put sentence top headline made phone call cfpb month phone well fargo bank note cfpb complaint well fargo refused give record account opened closed bank since inception well fargo lied cfpb numerous occasion last answer complaint well fargo wf promised reach cfpb never wf answer submitted false link file unopenable unopenable cfpb made numerous phone call identifying direct refusal misdirection resolve wf closed account several fraudulent transaction included fake sham account banker opened closed recognized large charge thousand dollar complained see charge wf closed account offered remedy repayment caused irreparable financial harm last complaint asked wf remedy harmful action sent account information statement well fargo provided false link unopenable cfpb wf gone way cover fraud caused ten thousand dollar due fraud refused provide account legally required lied regulator criminal act dealing issue year cost money hundred hour time action deplorable certainly living promise past ceo lied several government committee including senate committee banking housing urban affair honored agreement penalty cfpb promise remediation look forward positive change regulating body cfpb enact based upon continued fraud exposed dating back decade please also consider several lawsuit recently filed series issue seeking remedy fraud year proper resolve thank

credit_reporting

tx tx delete wrong address address never late verified accurate review attached document regarding account mine verifed fcra violation ftc violation failure day settle mine verifed fcra violation ftc violation failure day settle fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

tx tx delete wrong address address never late verified accurate review attached document regarding account mine verifed fcra violation ftc violation failure day settle mine verifed fcra violation ftc violation failure day settle fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

tx xxxxxxxx tx delete wrong address address never late verified accurate review attached document regarding account mine verifed fcra violation ftc violation failure day settle mine verifed fcra violation ftc violation failure day settle fraudulent application submitted name identity used without consent fraudulently obtain good service extend credit without first contacting personally verifying application information day evening

credit_reporting

name filling complaint past year none worked notice name address listed credit report inaccurate please remove name address belong incorrect information intervening obtaining credit reported two name delete reported pa nj nj request investigation loan hard inquiry within legal time frame day validating debt creditor filing complaint party experian every creditor reporting belove item filing lawsuit done loan reported hard inquiry inquiry inquiry inquiry inquiry inquiry inquiry accordance fcra disclosure investigative consumer report must receive disclosure letter received must made writing mailed otherwise delivered consumer later three day date report first requested never received disclosure writing mailed delete immediately credit card reported charge account mine delete please reported provide documentation account delete reported provide documentation account delete

credit_reporting

name filling complaint past year none worked notice name address listed credit report inaccurate please remove name address belong incorrect information intervening obtaining credit reported two name delete reported pa nj nj request investigation loan hard inquiry within legal time frame day validating debt creditor filing complaint party transunion every creditor reporting belove item filing lawsuit done loan reported hard inquiry inquiry inquiry inquiry inquiry inquiry accordance fcra disclosure investigative consumer report must receive disclosure letter received must made writing mailed otherwise delivered consumer later three day date report first requested never received disclosure writing mailed delete immediately credit card reported charge account mine delete please provide documentation account delete reported provide documentation account delete

credit_reporting

attachment detail dear manager credit bureau im little shocked today help btw happy refreshed credit report honestly shocked surprised negative account still reporting credit report dont understand possible actually stated verified account accurate see screenshots ive circled inconsistency misleading incomplete info way reporting understanding must conduct reasonable thorough investigation computerized number accept template result show youre compliant consumer law saying verified binding legal contract hold promise impossible verified account screenshots reporting different date last active last payment last reported opened date inconsistency payment history payment status etc impossible violation fcra even high balance actual balance questionable also wasnt sued compliant fcra ftc cfpb especially applying payment currently consumer account im sure sued forced pay consumer removing derogatory remark

credit_reporting

name tried correct credit report past year none work notice employment information address listed also several incorrect information exist credit report belong really demand information clear credit account address employment information info reported fl fl fl

credit_reporting

name tried correct credit report past year none work notice employment information address listed also several incorrect information exist credit report belong business really demand information clear credit account address employment information reported fl fl fl

credit_reporting

name tried correct credit report past year none work notice employment information address listed also several incorrect information exist credit report belong business really demand information clear credit account address employment information fl fl fl

mortgages_and_loans

company month working refinanced loan lied process told u email multiple time going order appraisal loan going approved end week several occasion date time refinanced loan refusing give u refund told u multiple lie email owner briefly stepped said taking file lasted le week put back month waiting get one loan refinanced something never accomplished finally asked refund initially offered u le half paid long signed release form said entitled nothing induced u sign credit card authorization form property telling u loan guaranty refusing offer sort refund already filed complaint texas department saving mortgage lending consumer financial protection bureau

credit_card

used chase sapphire reserve chase freedom chase freedom event update chase credit card app new banking information use new bank account pay card payment total context total line credit across three card loyal chase customer year never missed payment spent credit limit notice chase app return payment card meaning payment go stated reason return payment app call chase customer service rep explains payment declined bank due missing account information realize must entered routing information wrong correct banking information app important later ask rep need aware fee penalty associated late payment assure account continue operating usual take car auto shop oil change walk street buy lunch chase card declined call chase learn account closed customer service rep explains return payment triggered account closure lending specialist explains take week reinstate account addition perform hard credit pull creditworthiness debit card another credit card bring cash left stranded chase gave false information potential negative repercussion returned payment decision close account reached notified timely manner leaving precarious decision despite fact signed phone email alert chase receive instead letter mailed writing yet sent

credit_reporting

close duplicate please read first different complaint issue complaint close complaint signed free credit monitoring service year ago membership number updated service added seven day free credit monitoring credit bureau supposed include score report tried log account like everyday view change able get tried every option automated system gave attempting call experian support find wrong nothing worked kept getting error account exist finally called experian number fraud transferred agent membership spoke someone around advised account canceled day advised cancel said active membership would able log said needed reset account ask verification question first able sign said going create ticket special dept never gave ticket number said reinstating needed try signing tried signing created whole new membership number notification alert gone account history gone hard work dedication wasted want old file back called everyday since spoken different agent tell different lie retaliation action filed previous complaint experian date issue attempting cover thing prevent verifying current concern membership canceled want back screenshots previous membership alert opened alert notification saving dispute company proof victim identity theft proof information included data breach company proof information dark web past proof phone number email comprised past need account back unedited alert update still received warning prior notice deleted unexpectedly without notice want one free year unlimited premium monitoring service includes unlimited credit report fico score immediate household credit reporting agency extra work get information back extra work show daughter person extra work separate profile

credit_reporting

name trying correct credit report past year seems success according recent credit report request several inaccurate account report notice name address employment information hard inquiry incorrect also derogatory account belong association demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report name address employment information need removed reported info reported pa nj nj inquiry inquiry xxxxxxxx inquiry miscellaneous inquiry inquiry debt reported reported

credit_reporting

name trying correct credit report past year seems success according recent credit report request several inaccurate account report notice name address employment information hard inquiry incorrect also derogatory account belong association demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report name address employment information need removed reported info reported pa nj nj inquiry xxxxxxxx inquiry credit union inquiry miscellaneous inquiry inquiry furnishing debt reported reported

credit_reporting

name trying correct credit report past year seems success according recent credit report request several inaccurate account report notice name address employment information hard inquiry incorrect also derogatory account belong association demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report name address employment information need removed reported info reported pa nj nj inquiry inquiry inquiry miscellaneous inquiry inquiry reported reported

credit_reporting

name trying complaint incorrect problem exist credit report past year success according recent credit report request several inaccurate name address report might cause really bad effect credit profile demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report name address need removed urgently credit report reported reported oh oh please investigate negative collection reported reported reported reported xxxxxxxx reported reported hard inquiry inquiry auto financing contact inquirer mail inquiry auto financing inquiry miscellaneous reptg

credit_reporting

name trying complaint incorrect problem exist credit report past year success according recent credit report request several inaccurate name address report might cause really bad effect credit profile demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report name address need removed urgently credit report reported reported oh oh please investigate negative collection first federal credit reported reported reported reported reported hard inquiry inquiry auto financing contact inquirer mail inquiry auto financing inquiry miscellaneous reptg

credit_reporting

name trying report incorrect information credit report past year success according recent credit report request several inaccurate account report demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report violation count several item report legally allowed report violation count account report belong identity may compromised violation count compliance procedure violation count creditor record proper identification notice name address employment information hard inquiry inaccurate addition several derogatory account relationship business incorrect information demand removed credit account according reporting law listed name address employment information hard inquiry debt collection need cleared credit report reported info reported nj nj hard inquiry inquiry credit union co inquiry inquiry credit union inquiry miscellaneous inquiry bank inquiry bank inquiry credit union inquiry bank inquiry bank inquiry utility fuel debt reported closed

credit_reporting

name trying report incorrect information credit report past year success according recent credit report request several inaccurate account report demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report violation count several item report legally allowed report violation count account report belong identity may compromised violation count compliance procedure violation count creditor record proper identification notice name address employment information hard inquiry inaccurate addition several derogatory account relationship business incorrect information demand removed credit account according reporting law listed name address employment information hard inquiry debt collection need cleared credit report reported info reported nj nj hard inquiry inquiry credit union co inquiry inquiry credit union inquiry miscellaneous inquiry bank xxxxxxxx inquiry bank inquiry credit union xxxxxxxx inquiry bank inquiry bank inquiry utility fuel debt reported closed

mortgages_and_loans

sl continues receive payment city every month behalf family member excess lying received payment refusing apply payment account check clearly account number written payment sent every month since receipt every check sent payment question sent month envelop payment behalf sl applying account applying payment behalf family member sl making appear though mortgage delinquent time call ask family member payment applied get robotic answer customer service teller see applied calling spoke teller asked delinquency account explained sl applying payment said would make note account question sl apply one payment refuse apply payment enclosed envelop account notated payment sl addressed issue answer preceding question resolve

debt_collection

previously submitted complaint via cfpb website company failed respond directly cfpb closed complaint company need respond directly complaint via cfpb portal previous complaint well one advised give permission company submit information cfpb company continues violate right fcra guideline company claimed sent response directly could verify submitted complaint also never verified reporting adding negative derogatory information credit report never sent anything else never contacted continue submit complaint respond answer cfpb website submit letter company letterhead advising deleted negative information reporting illegally else would filing complaint fraudulently reporting information credit using stall tactic gather information effort harass fraudulently use personal information want contacted mean except portal following received alert credit bureau collection account added credit report logged credit monitoring service information listed reflects collection agency c system located mn phone state partial account number opened amount original debtor never heard debt collector prior today contacted notified debt listed company sent correspondence advising debt creditor advised option dispute debt called company time today call recorded end find information dispute account transferred various department information given attempted fraudulently ask question pertaining debt like moved last month previous phone number used name variation besides actual name ever married divorced ever used alias unprofessional question rather advise debt felt insulted violated harassed felt though company fraud illegally trying get personal information scam fair debt collection practice act state debt collector must send consumer written notice containing amount debt name creditor statement stating consumer day dispute validity debt debt considered valid debt collector consumer fails dispute debt within day time period give admission liability agency follow process right ground collect report debt credit bureau must immediately remove debt debt consumer credit report company contact within day assuming debt therefore violated right need removed credit bureau give company permission contact via telephone employer email mean except u mail

credit_reporting

see little concerned way conducting investigation negative item sent last month noticed attachment clearly note impossible open true investigation company listed continue report incomplete inaccurate unverifiable information nothing legally sent validate accuracy account listed contacted company well open investigation continue give number contact credit bureau either phone mail website account violation fcra fdcpa many consumer law therefore impossible could say conducted true investigation want general investigation need know contact company document legally provide method investigation

credit_reporting

see little concerned way conducting investigation negative item sent last month noticed attachment clearly note impossible open true investigation company listed continue report incomplete inaccurate unverifiable information nothing legally sent validate accuracy account listed contacted company well open investigation continue give number contact credit bureau either phone mail website account violation fcra fdcpa many consumer law therefore impossible could say conducted true investigation want general investigation need know contact company document legally provide method investigation

credit_reporting

see little concerned way conducting investigation negative item sent last month noticed attachment clearly note impossible open true investigation company listed continue report incomplete inaccurate unverifiable information nothing legally sent validate accuracy account listed contacted company well open investigation continue give number contact credit bureau either phone mail website account violation fcra fdcpa many consumer law therefore impossible could say conducted true investigation want general investigation need know contact company document legally provide method investigation

credit_reporting

attachment dear cra manager happy im little shocked method investigation actually dont even understand method investigation ive disputed account several time due several inconsistency error incomplete misleading information way reporting reason always come back verified impossible agency performed truthful investigation cc account continues report misleading information highlighted example actually removed due violation continue reported different date last active last payment different date last reported high balance higher actual balance etc impossible say reporting accurate look report even balance questionable

credit_reporting

attachment dear cra manager happy im little shocked method investigation actually dont even understand method investigation ive disputed account several time due several inconsistency error incomplete misleading information way reporting reason always come back verified impossible agency performed truthful investigation cc account continues report misleading information highlighted example actually removed due violation continue reported different date last active last payment different date last reported high balance higher actual balance etc impossible say reporting accurate look report even balance questionable

debt_collection

please shocked reviewed credit report week found multiple inaccuracy credit report major credit bureau collection company never dealt attempted several time ratify issue original creditor credit bureau still reporting inaccurate unverifiable information disputed item credit reporting agency reported confirmed account valid honestly believe ever relationship collection agency original creditor also several inaccuracy account way reporting total violation fcra fdcpa law regulation good faith effort resolve matter amicably must demand proof debt specifically alleged contract instrument bearing signature well proof authority matter absent proof must correct erroneous report past debt mine writing request please provide following information please evidence authorization usc e usc f alleged matter authorization law collection information authorization law collection alleged debt please evidence authorization business operate state please evidence proof alleged debt including alleged contract instrument bearing signature please provide complete account history including charge added collection activity day upon receipt letter provide strict proof contract event provide strict proof contract must cease desist collection effort immediately remove derogatory information reported consumer reporting agency addition need provide agreement writing closing file ceasing collecting activity deleting information related reference number credit report youve furnished information event transfer account attorney without providing proof contract proving claim immediate reported code ethic violation

debt_collection

please shocked reviewed credit report week found multiple inaccuracy credit report major credit bureau collection company never dealt attempted several time ratify issue original creditor credit bureau still reporting inaccurate unverifiable information disputed item credit reporting agency reported confirmed account valid honestly believe ever relationship collection agency original creditor also several inaccuracy account way reporting total violation fcra fdcpa law regulation good faith effort resolve matter amicably must demand proof debt specifically alleged contract instrument bearing signature well proof authority matter absent proof must correct erroneous report past debt mine writing request please provide following information please evidence authorization usc e usc f alleged matter authorization law collection information authorization law collection alleged debt please evidence authorization business operate state please evidence proof alleged debt including alleged contract instrument bearing signature please provide complete account history including charge added collection activity day upon receipt letter provide strict proof contract event provide strict proof contract must cease desist collection effort immediately remove derogatory information reported consumer reporting agency addition need provide agreement writing closing file ceasing collecting activity deleting information related reference number credit report youve furnished information event transfer account attorney without providing proof contract proving claim immediate reported code ethic violation

debt_collection

duplicate complaint per coversations cfpb also agree please review respond thank may concern writing letter notify continuing violation fair credit reporting act section fair collection practice act committed huntington merit several act dispute letter submission made end attempt proved futile time request made even acknowledged response attach article compliant evidencing correspondence took place unequivocally clear never made refusal pay gave notice claim alleged disputed due negligence noncompliance refusal delete unverified information consumer file cost tremendously regard employment opportunity residency approval line approval administrative fee dispute process

mortgages_and_loans

fraud care act law mortgage qualified covid forbearance plan nationstar reporting loan past due scaring homeowner also giving consumer option pay forbearance end loan faced million quarterly loss follow law nationstar decided steal home victim pandemic making attached copy correspondence received clearly see qualified assistance followed payment immediately due loan overdue signed loan also originated loan origination fraud nationstar mortgage admitted required item left escrow loan origination copy attached also claimed escrow fraud theft escrow well within right loan fraud escrow theft confirmed detective file forwarded fbi ic unit assume slowing prosecution

credit_reporting

may name trying report inaccurate item credit report year however credit bureau always try avoid responsibility review remove incorrect item ask authorization attached proof identity clearly complaint written one behind please responsible age make excuse job review compliant carefully know tactic excuse electronic response accepable credit bureau fulfill responsible even intend steal money ignoring collection negative account never owned known according fair credit reporting act demand complaint reviewed carefully regulation time frame day fl fl fl oh fl fl oh current address fl address either old incorrect please delete negative affect account inquiry bank account unauthorized date funisher violate reporting compliance report contact information delete inquiry xxxxxxxx auto financing account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry auto financing contact inquirer mail account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry automobile dealer old account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry auto financing contact inquirer mail account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry bank account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry automobile dealer new auto finance inquiry bank account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry auto financing account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry credit union account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry automobile dealer new account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry bank account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry credit union account unauthorized date funisher violate reporting compliance report contact information delete immediately inquiry auto financing contact inquirer mail account unauthorized date funisher violate reporting compliance report contact information delete immediately inquiry credit union account unauthorized date funisher violate reporting compliance report contact information delete immediately inquiry miscellaneous reptg agency account unauthorized date funisher violate reporting compliance report contact information delete immediately reported collection mine never financial obligation company account exist account without notice disclosure mailed violated fcra disclosure investigative consumer report must receive disclosure letter received must made writing mailed otherwise delivered consumer later three day date report first requested provide documentation account proof mailed sent account delete reported collection belong provide full documentation delete immediately

credit_reporting

may name trying report inaccurate item credit report year however credit bureau always try avoid responsibility review remove incorrect item ask authorization attached proof identity clearly complaint written one behind please responsible age make excuse job review compliant carefully know tactic excuse electronic response accepable credit bureau fulfill responsible even intend steal money ignoring collection negative account never owned known according fair credit reporting act demand complaint reviewed carefully regulation time frame day fl fl fl oh fl fl oh current address fl address either old incorrect please delete negative affect account inquiry bank account unauthorized date funisher violate reporting compliance report contact information delete inquiry auto financing account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry auto financing contact inquirer mail account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry automobile dealer old account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry auto financing contact inquirer mail account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry bank account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry automobile dealer new inquiry bank account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry auto financing account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry credit union account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry automobile dealer new account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry bank account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry credit union account unauthorized date funisher violate reporting compliance report contact information delete immediately inquiry auto financing contact inquirer mail account unauthorized date funisher violate reporting compliance report contact information delete immediately inquiry credit union account unauthorized date funisher violate reporting compliance report contact information delete immediately inquiry miscellaneous reptg agency account unauthorized date funisher violate reporting compliance report contact information delete immediately reported collection mine never financial obligation company account exist account without notice disclosure mailed violated fcra disclosure investigative consumer report must receive disclosure letter received must made writing mailed otherwise delivered consumer later three day date report first requested provide documentation account proof mailed sent account delete reported collection belong provide full documentation delete immediately

credit_reporting

may name trying report inaccurate item credit report year however credit bureau always try avoid responsibility review remove incorrect item ask authorization attached proof identity clearly complaint written one behind please responsible age make excuse job review compliant carefully know tactic excuse electronic response accepable credit bureau fulfill responsible even intend steal money ignoring collection negative account never owned known according fair credit reporting act demand complaint reviewed carefully regulation time frame day fl fl fl oh fl fl oh current address fl address either old incorrect please delete negative affect account inquiry bank account unauthorized date funisher violate reporting compliance report contact information delete inquiry auto financing account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry auto financing contact inquirer mail account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry automobile dealer old account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry auto financing contact inquirer mail account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry bank account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry automobile dealer new inquiry bank account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry auto financing account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry credit union account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry automobile dealer new account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry bank account unauthorized date funisher violate reporting compliance reporting dispute status delete inquiry credit union account unauthorized date funisher violate reporting compliance report contact information delete immediately inquiry auto financing contact inquirer mail account unauthorized date funisher violate reporting compliance report contact information delete immediately inquiry credit union account unauthorized date funisher violate reporting compliance report contact information delete immediately inquiry miscellaneous reptg agency account unauthorized date funisher violate reporting compliance report contact information delete immediately reported collection mine never financial obligation company account exist account without notice disclosure mailed violated fcra disclosure investigative consumer report must receive disclosure letter received must made writing mailed otherwise delivered consumer later three day date report first requested provide documentation account proof mailed sent account delete reported collection belong provide full documentation delete immediately

credit_reporting

may concern name trying report inaccurate account credit report year credit bureau always avoid responsible review report excuse tactic make want real person really authority responsible review incorrect account time frame day according fair credit reporting act name incorrect please delete fl fl address either old incorrect enclosed proof current address attachment box xxxxxxxx employment mine business please remove reported original contract application proof show consent signature person receipt information method verification using electronic response acceptable proof must verified collection belong creditor collection agency sign contact information accordance fcra disclosure investigative consumer report must receive disclosure letter received must made writing mailed otherwise delivered consumer later three day date report first requested never received mailed disclosure even notice collection provide proof sent notice must delete inaccurate account inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information xxxxxxxx inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information xxxxxxxx reported collection account belong creditor collection agency signed contract information collection agency account number contact information associated account credit report demand removed reported original contract application proof show consent signature person receipt information method verification using electronic response acceptable proof must verified collection belong creditor collection agency sign contact information demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report

credit_reporting

may concern name trying report inaccurate account credit report year credit bureau always avoid responsible review report excuse tactic make want real person really authority responsible review incorrect account time frame day according fair credit reporting act name incorrect please delete fl fl address either old incorrect enclosed proof current address attachment box employment mine business please remove reported original contract application proof show consent signature person receipt information method verification using electronic response acceptable proof must verified collection belong creditor collection agency sign contact information accordance fcra disclosure investigative consumer report must receive disclosure letter received must made writing mailed otherwise delivered consumer later three day date report first requested never received mailed disclosure even notice collection provide proof sent notice must delete inaccurate account inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information reported collection account belong creditor collection agency signed contract information collection agency account number contact information associated account credit report demand removed reported original contract application proof show consent signature person receipt information method verification using electronic response acceptable proof must verified collection belong creditor collection agency sign contact information demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report

credit_reporting

may concern name trying report inaccurate account credit report year credit bureau always avoid responsible review report excuse tactic make want real person really authority responsible review incorrect account time frame day according fair credit reporting act name incorrect please delete saint fl fl address either old incorrect enclosed proof current address attachment box employment mine business please remove reported original contract application proof show consent signature person receipt information method verification using electronic response acceptable proof must verified collection belong creditor collection agency sign contact information accordance fcra disclosure investigative consumer report must receive disclosure letter received must made writing mailed otherwise delivered consumer later three day date report first requested never received mailed disclosure even notice collection provide proof sent notice must delete inaccurate account inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information inquiry unauthorized inquiry data furnisher violated reporting compliance reporting contact information reported collection account belong creditor collection agency signed contract information collection agency account number contact information associated account credit report demand removed reported original contract application proof show consent signature person receipt information method verification using electronic response acceptable proof must verified collection belong creditor collection agency sign contact information demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report

credit_reporting

keep closing request investigation credit profile complying submitted personal identification document instance allowed ignored request instance cfpb online portal start dispute many issue credit report compiled

credit_reporting

keep closing request investigation credit profile complying submitted personal identification document instance allowed ignored request instance cfpb online portal start dispute many issue credit report compiled

credit_reporting

name trying report incorrect information credit account past year success see several hard inquiry exist account without notice inquiry inaccurate need removed credit account according recent credit report request several inaccurate account report demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report never received early warning notice relate inquiry hard inquiry need clear credit account immediately violate seriously following law usc miscellaneous reptg agency inquiry telephone company bank inquiry national credit card complete dept store inquiry bank inquiry jeweler inquiry bank inquiry auto financing miscellaneous reptg agency inquiry auto financing inquiry national credit card national credit card inquiry national credit card inquiry national credit card inquiry bank inquiry bank please investigate credit card collection account belong business late payment reported credit card also never sign contract collection agency conclude credit bureau intentionally put negative information credit collection agency account number contact information associated account credit report demand removed also see derogatory mark account info reported also accordance fcra disclosure investigative consumer report must receive disclosure letter received must made writing mailed otherwise delivered consumer later three day date report first requested also accordance fcra whenever consumer reporting agency prepares investigative consumer report adverse information consumer report information matter public record may included subsequent consumer report unless adverse information verified process making subsequent consumer report adverse information received within period preceding date subsequent report furnished writing mailed disclosure receipted credit bureau follow fcra law listed

credit_reporting

name trying report incorrect information credit account past year success see several hard inquiry exist account without notice inquiry inaccurate need removed credit account according recent credit report request several inaccurate account report demand removal violation following applicable credit reporting law usc exercising right audit record claim verified credit bureau debt usc requires early warning notice notified said person placed credit report never received early warning notice relate inquiry hard inquiry need clear credit account immediately violate seriously following law usc inquiry miscellaneous reptg agency inquiry telephone company inquiry bank xxxxxxxx inquiry national credit card inquiry complete dept store inquiry bank inquiry jeweler inquiry bank inquiry auto financing inquiry miscellaneous reptg agency inquiry auto financing inquiry national credit card inquiry national credit card xxxxxxxx inquiry national credit card inquiry national credit card inquiry bank inquiry bank please investigate credit card collection account belong business late payment reported credit card also never sign contract collection agency conclude credit bureau intentionally put negative information credit collection agency account number contact information associated account credit report demand removed also see derogatory mark account info reported also accordance fcra disclosure investigative consumer report must receive disclosure letter received must made writing mailed otherwise delivered consumer later three day date report first requested also accordance fcra whenever consumer reporting agency prepares investigative consumer report adverse information consumer report information matter public record may included subsequent consumer report unless adverse information verified process making subsequent consumer report adverse information received within period preceding date subsequent report furnished writing mailed disclosure receipted credit bureau follow fcra law listed

credit_reporting

whoever might read name trying fix incorrect information credit report several time seems nothing changed report figure address employment information false belong business see inaccurate information might really high risk effect business really hope would get fixed soon address employment information need removed credit report employment info address reported ga ga ga

credit_reporting

whoever might read name trying fix incorrect information credit report several time seems nothing changed report figure address employment information false belong business see inaccurate information might really high risk effect business really hope would get fixed soon address employment information need removed credit report employment info address reported ga ga ga

credit_reporting

whoever might read name trying fix incorrect information credit report several time seems nothing changed report figure address employment information false belong business see inaccurate information might really high risk effect business really hope would get fixed soon address employment information need removed credit report employment info address reported ga ga ga

credit_reporting

open credit card account target late fee reported bureau hurting credit also reporting balance incorrectly bureau

debt_collection

complaint update lvnv funding llc lvnv never contacted mail manner regarding debt purchase became aware existence filed lawsuit debt recognize guise litigation use cover avoid producing document requested documentation disputed account provide proof followed law properly necessary work prior filing lawsuit another across state line penny dollar purchased debt business computer software personal information another person create charge think owed thus account could fraudulent account fraudulent charge etc thus totality charge disputed debt buyer south carolina properly followed legal procedure prior initiating lawsuit individual across state line validated debt therefore complaint dismissed immediately see attached page new

debt_collection

complaint update never contacted mail manner regarding debt purchase became aware existence filed lawsuit debt recognize guise litigation use cover avoid producing document requested documentation disputed account provide proof followed law properly necessary work prior filing lawsuit another across state line penny dollar purchased debt business computer software personal information another person create charge think owed thus account could fraudulent account fraudulent charge etc thus totality charge disputed debt buyer south carolina properly followed legal procedure prior initiating lawsuit individual across state line validated debt therefore complaint dismissed immediately see attached page new

mortgages_and_loans

duplicate company go two name colloquially bread formally lon operation llc previously filed complaint bread name system thus closed filing complaint lon operation llc name hope system routed resolution wanted buy mattress wanted finance purchase financing offered website bread formally known lon operation llc per lon operation llc separate website loan offered bread platform made new jersey bank member fdic lon operation went website clicked financing link navigation bar top went initial process go bread formally known lon operation llc facilitates loan underwritten initial process produced message reminded placed security hold credit file needed lift proceeding loan process problemi immediately called lifted hold temporarily five day immediately returned website time able complete loan process qualified loan bread operation llc window website via financing link produced message needed upload copy front back driver license promptly uploaded requested bread operation llc window website via financing link produced another message saying needed call bread operation llc complete process immediately called instructed spoke bread operation llc asked series security question answered correctly said would take another business day review application next day received email titled adverse action notice bread operation llc adverse action notice claimed bread operation llc denying loan application unable verify notice also said decision based whole part information provided discrepancy personal information provided bread operation llc personal information file phoned bread operation llc asked speak denial notice argued associate answered persistently stonewalled apparently refused get phone whatsoever eventually hung made digital audio recording conversation uploaded shared via link anyone including cfpb request phoned spoke woman told expressed astonishment happening said continue conversing via email already done owner got call woman bread operation llc yet another argument kept telling stop giving conclusory statement like could verify identity instead identify specific objective factual discrepancy personal info provided bread operation llc file failed identify even single discrepancy asked else complied every single request bread operation llc said kept repeating unable verify identify despite established identity per procedure would answer direction question ultimately hung also recorded uploaded conversation available via link request replied via email adverse action notice bread operation llc told unwilling get phone objective factual discrepancy personal info provided contained credit file decision deny loan already subjective thus discriminatory thus illegal provided link could listen phone conversation mentioned got email telling escalated matter account manager bread operation llc ultimately bread operation llc verifiably discriminated subjective inexplicable illegal basis manifest objective verifiable factual legal basis provided bread operation llc information requested information true accurate provided copy front back driver license requested true correct copy answered security question accurately say point proven called bread operation llc repeatedly home phone caller id identifies even asked wanted anything else said nothing else dono way prove say information provided already match information file thus factual evidentiary legal basis denial especially already approving claim could verify identity repeated demand one person bread operation llc could identify single discrepancy information opinionated conclusion summary statement kept repeating like drone despite bread operation llc denied loan claiming unable verify conclusion unsupported objective verifiable fact thus bread operation llc decision well claim denial decision based inability verify identity meritless objective subjective thus discriminatory thus illegal

credit_reporting

ignore attachment supporting pandemic hoping youre safe sound listen shocked reviewed credit report today found late payment remark credit last year quite sure happening responding see attachment approved extension called back last honestly marked late credit report already called representative stated might error contact credit reporting agency trying reach credit bureau day still received response sure happened reporting error violation written contract even cra reporting incorrect incomplete unverifiable inconsistent information one reporting wrong date last active wrong date last payment bureau showing different payment status etc impossible ever verified please correct delete credit report

credit_reporting

ignore attachment supporting pandemic hoping youre safe sound listen shocked reviewed credit report today found late payment remark credit last year quite sure happening responding see attachment approved extension called back last honestly marked late credit report already called representative stated might error contact credit reporting agency trying reach credit bureau day still received response sure happened reporting error violation written contract even cra reporting incorrect incomplete unverifiable inconsistent information one reporting wrong date last active wrong date last payment bureau showing different payment status etc impossible ever verified please correct delete credit report

credit_reporting

ignore attachment supporting pandemic hoping youre safe sound listen shocked reviewed credit report today found late payment remark credit last year quite sure happening responding see attachment approved extension called back last honestly marked late credit report already called representative stated might error contact credit reporting agency trying reach credit bureau day still received response sure happened reporting error violation written contract even cra reporting incorrect incomplete unverifiable inconsistent information one reporting wrong date last active wrong date last payment bureau showing different payment status etc impossible ever verified please correct delete credit report

mortgages_and_loans

complaint firstmark answer last complaint firstmark send promissory note loan time asked response send copy letter claimed sent complaint response letter sent outlined could make payment bankruptcy letter reasoning charge interest bankruptcy asked removed twice asked documentation showing owe le show sent information twice file court discharge paper show remaining balance made payment since show legally charge interest asked twice keep making payment ignored court show owe interest attached doc time review please sure review time took student loan student university dad student loan would approve credit history alone total loan approximately parent filed chapter bankruptcy student loan pulled repayment plan since dad point successfully making payment loan year parent bankruptcy filed pulled student loan bankruptcy status notified change logging onto online account make payment could everything said account bankruptcy call specific number called bank twice first phone call rep answered said speak representative iowa bankruptcy transferred woman voicemail left message stating wanted remove student loan bankruptcy status dad continue make payment loan needed information make payment since online account locked one ever called back day later called told talk representative iowa transferred rep voicemail time leave second message since first one left unreturned talked dad talked bankruptcy lawyer lawyer said leave loan bankruptcy payout taking legal advice stopped trying get hold fast forward late receive email stating credit score changed log credit report find day past due ding resulted credit point drop company called firstmark idea company involved credit company found servicing student loan knew loan dad bankruptcy reached dad said bankruptcy discharged plan paid full sent copy discharge paper confirm showed total remaining balance student loan called firstmark customer service early spoke rep rep answered phone understand bankruptcy meant account past due explained account pulled dad bankruptcy year ago idea account still open female rep responded required send statement courtesy still pay loan agreed even receive statement asked speak manager transferred escalation rep escalation rep agreed ok ding credit account know still open due account still bankruptcy status firstmark allowed send anything mail account said illegal send statement information make payment account bankruptcy status never received notification note last complaint firstmark rep responded stated firstmark mail information make payment asked clarification firstmark last complaint receive answer right one rep saying send anything making payment information account another rep saying also asked copy documentation sent receive response firstmark request copy documentation sent two week ago answer get firstmark respond file complaint cfpb phone call rep stated agree situation help ended filing complaint cpfb finally firstmark removed ding credit unresolved issue still remains filed multiple complaint remaining balance student loan account currently firstmark show owe student loan bankruptcy discharge paper dad gave show owe account combined first complaint firstmark responded updating credit said discrepancy account balance looking one account balance true second complaint firstmark issue balance difference interest accrued bankruptcy asked removed make payment twice response firstmark responded complaint saying still owe full negotiable responded customer service department directly second complaint explaining issue asked make payment bankruptcy ignored request year later firstmark come back say owe additional interest would accrued responded first two request make payment bankruptcy give idea parent bankruptcy started family paid interest firstmark student loan saying pay additional due account sitting bankruptcy year time request moral thing let pay back remaining principal owe account close done asked negotiate several time without cooperation firstmark xxxxi requested original promissory note account copy letter firstmark sent several week later received one copy online promissory note one student loan still missing promissory note loan copy postmarked letter firstmark mailed letting know make payment account bankruptcy status far firstmark keep changing answer fit action reviewing company hundred hundred complaint government anything company take class action lawsuit treated fairly

credit_reporting

hi im sure take anymore ive disputed account several time original creditor credit reporting agency accordingly ive attached everything support dispute however continue received letter sent verified remains possible verified continue report incomplete inconsistent inaccurate unverifiable information account thorough investigation ive disputed havent received anything continues reported violation consumer law continues report wrong balance incorrect date first delinquency wrong date last active inconsistent payment status high balance actual balance questionable etc believe section fcra also allows ask detail information account indeed investigated detail process im extremely upset shocked way account reporting credit report continues report incomplete inconsistent unverifiable info honestly say verified accurate verified requesting investigation authorization fair credit reporting act section ability consumer dispute information directly furnisher disputing account reported three credit bureau basis dispute knowledge account im really worried information credit report account may reported inaccurately understand must procedure place respond question credit reporting look like detail guy reporting arent true example account type show auto loan thought correct term alleged account credit sale anyway please help understand whats going id like see following document compare information credit report would appreciate thoughtful response office please dont send unintelligible response doesnt address concern here id like see complete original alleged promissory note show signature account transaction history required default acceleration notice notice sale document calculation surplus deficiency letter additional finance contract including related insurance finance product buyer guide purchase order license bond registration document required state allows hold service alleged promissory note hear within day assume validate request show proof debt appreciate time attention matter

credit_reporting

hi im sure take anymore ive disputed account several time original creditor credit reporting agency accordingly ive attached everything support dispute however continue received letter sent verified remains possible verified continue report incomplete inconsistent inaccurate unverifiable information account thorough investigation ive disputed havent received anything continues reported violation consumer law continues report wrong balance incorrect date first delinquency wrong date last active inconsistent payment status high balance actual balance questionable etc believe section fcra also allows ask detail information account indeed investigated detail process im extremely upset shocked way account reporting credit report continues report incomplete inconsistent unverifiable info honestly say verified accurate verified requesting investigation authorization fair credit reporting act section ability consumer dispute information directly furnisher disputing account reported three credit bureau basis dispute knowledge account im really worried information credit report account may reported inaccurately understand must procedure place respond question credit reporting look like detail guy reporting arent true example account type show auto loan thought correct term alleged account credit sale anyway please help understand whats going id like see following document compare information credit report would appreciate thoughtful response office please dont send unintelligible response doesnt address concern here id like see complete original alleged promissory note show signature account transaction history required default acceleration notice notice sale document calculation surplus deficiency letter additional finance contract including related insurance finance product buyer guide purchase order license bond registration document required state allows hold service alleged promissory note hear within day assume validate request show proof debt appreciate time attention matter

credit_reporting

hi im sure take anymore ive disputed account several time original creditor credit reporting agency accordingly ive attached everything support dispute however continue received letter sent verified remains possible verified continue report incomplete inconsistent inaccurate unverifiable information account thorough investigation ive disputed havent received anything continues reported violation consumer law continues report wrong balance incorrect date first delinquency wrong date last active inconsistent payment status high balance actual balance questionable etc believe section fcra also allows ask detail information account indeed investigated detail process im extremely upset shocked way account reporting credit report continues report incomplete inconsistent unverifiable info honestly say verified accurate verified requesting investigation authorization fair credit reporting act section ability consumer dispute information directly furnisher disputing account reported three credit bureau basis dispute knowledge account im really worried information credit report account may reported inaccurately understand must procedure place respond question credit reporting look like detail guy reporting arent true example account type show auto loan thought correct term alleged account credit sale anyway please help understand whats going id like see following document compare information credit report would appreciate thoughtful response office please dont send unintelligible response doesnt address concern here id like see complete original alleged promissory note show signature account transaction history required default acceleration notice notice sale document calculation surplus deficiency letter additional finance contract including related insurance finance product buyer guide purchase order license bond registration document required state allows hold service alleged promissory note hear within day assume validate request show proof debt appreciate time attention matter

credit_reporting

hi im sure take anymore ive disputed account several time original creditor credit reporting agency accordingly ive attached everything support dispute however continue received letter sent verified remains possible verified continue report incomplete inconsistent inaccurate unverifiable information account thorough investigation ive disputed havent received anything continues reported violation consumer law continues report wrong balance incorrect date first delinquency wrong date last active inconsistent payment status high balance actual balance questionable etc believe section fcra also allows ask detail information account indeed investigated detail process im extremely upset shocked way account reporting credit report continues report incomplete inconsistent unverifiable info honestly say verified accurate verified requesting investigation authorization fair credit reporting act section ability consumer dispute information directly furnisher disputing account reported three credit bureau basis dispute knowledge account im really worried information credit report account may reported inaccurately understand must procedure place respond question credit reporting look like detail guy reporting arent true example account type show auto loan thought correct term alleged account credit sale anyway please help understand whats going id like see following document compare information credit report would appreciate thoughtful response office please dont send unintelligible response doesnt address concern here id like see complete original alleged promissory note show signature account transaction history required default acceleration notice notice sale document calculation surplus deficiency letter additional finance contract including related insurance finance product buyer guide purchase order license bond registration document required state allows hold service alleged promissory note hear within day assume validate request show proof debt appreciate time attention matter

credit_reporting

duplicate complaint resubmitting company trying get away breaking law closed first complaint stating say wuen submitted copy id social notarized letter notary public started dispute experian back put dispute account account reported verified previously reached company able provide information either reached three bureau investigate account showing report asked company investigate matter notified within day investigation could get information either account deleted file filed dispute experian stated came back suprisingly verified reporting accurately found unusual requested information company informed ftc commission wrote section could request original document file company result investigation section still received account still reporting experian one given documentation asked received response today section could honor request specific letter asked spoke rep told allowed ask information provide must go creditor ask back unsuccessful provide requested documentation section say deleted yes read information provided ftc refuse deceived tactic properly job bureau find nothing experian say something different creditor reported account three given information removed bureau

credit_reporting

duplicate complaint resubmitting company trying get away breaking law closed first complaint stating say wuen submitted copy id social notarized letter notary public started dispute experian back put dispute account xxxxxxxx account reported verified previously reached company able provide information either reached three bureau investigate account showing report asked company investigate matter notified within day investigation could get information either account deleted file filed dispute experian stated came back suprisingly verified reporting accurately found unusual requested information company informed ftc commission wrote section could request original document file company result investigation section still received account still reporting experian one given documentation asked received response today section could honor request specific letter asked spoke rep told allowed ask information provide must go creditor ask back unsuccessful provide requested documentation section say deleted yes read information provided ftc refuse deceived tactic properly job bureau find nothing experian say something different creditor reported account three given information removed bureau

credit_card

detailed letter sent bank america executive team dear mr msxxxx writing urgently need help received different letter bank america stating credit card account cancelled attached reference husband different credit card account bank america primary account holder message reference account end follows account represent collective total line credit worth gained credit line bank america exceptional credit history bank active excellent standing since account opened go back year reviewing credit score never missed late payment account recently credit history bank america nearly perfect acct statement end date large balance transfer scheduled expire another took initiative go ahead proactively make payment lower credit utilization account payment made using different new checking account ensured fund available initiated payment unknown reason payment process correctly even though adequate fund checking account later reflected next statement ending two different payment made alerted first payment process subsequently resubmitted payment summary paid date posted statement closing date returned payment unpaid paid date posted statement closing date returned payment unpaid time period required payment made actually made payment well minimum payment due account minimum payment statement statement totaling total payment made excluding totaling payment minimum payment required two month period since occurred billing cycle proactively made payment phone since account closed past week paid entire balance account previously noted letter received yet took notice sort problem based statement ending account paid full would please review situation determine appropriate step made dedicated reliable customer decision feel error caused credit score well authorized user drop well point fico score considered devastating based hard work place ensuring bank paid timely accurately yet receive type documentation explaining decision standard query response letter informing made payment one account reference letter attached date rationale provided regarding unprecedented immediate closure four account rationale given truly could believe reading thought sort system error first faintest idea financial institution would canc el business customer fulfilled obligation two decade made effort initiate extra payment cut credit utilization would whole nightmare occurred letter sent pretty much answer question hopeful review situation entirety banking record history bank america following occurs immediately full restoration account credit billing charge caused action credit report well husband corrected clear written communication defining happened clear written documentation final outcome demonstrating action taken resolve much looking forward detailed response near future sincerely

credit_card

placed order dealt company many year payment paid barclay bank visa tried delivering package store opened new driver asked hold shipment would pick agreed employee mistakenly sent back tea company going reship immediately back left warehouse mistake called barclay bank hold fund approximately two month since placing order reships order called barclay release fund called say order arrived said received money assure barclay bank said would release money placed several call barclay bank asking taking long release fund called barclay hearing tell still receive fund representative said recommends give different credit card barclay bank already refunded back money took advise gave different credit card pay merchandise barclay charge call explain deposited back tell last person barclay bank advised regarding giving different credit card would please refund money back tell write letter stating side thing fax barclay bank sends letter stating fact fax letter barclay bank called barclay bank spoke said wait may take time decide whether would return money back receive letter barclay bank refusing return money representative said returned called barclay bank spoke asked speak supervisor like many past phone call made get disconnected called account receivable credit manager dealt along ask received back barclays insists said husband said call branch barclay bank difficulty communication called branch ca man spoke said one speak one

retail_banking

venmo horrible customer service venmo requested forward dl verification sent requested document review access considering living hotel right dont get money street newborn agent usless arent willing help refuse go beyond client

credit_reporting

governor name reporting error information exist credit report notice employment information address belong association error information really high risk intervene business way rebuilding everything dynamic employment information address need removed credit info address reported ok ok

credit_reporting

governor name reporting error information exist credit report notice employment information address belong association error information really high risk intervene business way rebuilding everything dynamic employment information address need removed credit info reported ok ok