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complaint regarding failure reimburse escrow overpayment well final mortgage payment following payoff mortgage loan result refinancing three primary complaint follows payoff wire made confirmed accordance payoff statement instruction received wire rejected due unknown internal change new payoff instruction apparently service provider phh mortgage service title company told rejecting wire would internal transfer satisfy loan wire resubmitted according new instruction loan recorded paid full increase payoff amnt due delay amount expect reimbursement amount reimbursement escrow account received contacted customer support le time confirm dollar amount processing shipment check date included every time contacted indicated would send email escrow account get taken care told check sent would receive mailing address business day still received check call customer support manager indicated would send another email find check taking long indicated would take additional business day get answer additionally amnt due clearly articulated inconsistent across various call expect reimbursement addition interest owed time held money also expect clear documented verification amnt paid amnt due amnt reimbursed verify record transctions automatic loan payment month amount withdrawn personal checking account spoke call response first indicated separate check would mailed call customer support person indicated record check distributed working number individual understand acknowledge additional due payment would follow email different department would investigate follow received communication called individual spoke confirm check payment distributed expect full refund payment amnt consistent payoff made according complaint

upon reviewing credit report noticed several error severely impacting credit please investigate account

transuinon violation fcra writing due transunion none compliance fcra transunion fail remove inaccurate information credit report transnunion violation fcra refusing uphold law provided transunion factual proof payment made time month transunion request send supporting documentation payment month made time would delete late notice provided transunion email receipt factual proof receiving payment month also provided additional copy email receipt month questioned show payment made received time month attached supporting documentation email receipt clearly showing payment received made time month cfpb review

victim identity theft due corona virus pandemic facing sitting still home saw recent news multiple data breach decided look credit report major credit bureau found someone used identity idea theft took place also knowledge suspect receive money good service result identity theft contacted credit bureau told file identity theft report appreciate effort getting matter resolved thank please let know need information block information credit report thank

escrow account disclosure statement received pennymac dated state total payment escrow minimum required balance stated greater estimated total annual payment overcharged correct amount worried company taking advantage million consumer dreadful time collecting using money interest free please investigate

legal department credit dispute submitted new evidence dispute account disputed belong sworn statement concerning credit issue sworn statement declare penalty perjury law united state executed outside united state foregoing true correct best knowledge certify qualified authorized file dispute also understand knowing willful misstatement omission material fact constitutes federal criminal violation punishable additionally misstatement punishable perjury account listed item currently within credit file none related transaction made official statement someone several people opened account made transaction account without knowledge authorization personal information used obtain good service money person responsible creating account filed report federal trade commission enclosed within dispute package reached creditor made aware account fraudulently opened known several month yet remove account credit report creditor cooperative removed account others refused remove fraudulent account therefore come credit reporting agency resolve issue law say must block account investigated expect made attempt file police report informed county constitute emergency would file report information person used information know information obtained person likewise collection account also mine none belong mean person account original creditor sold account collection agency reporting debt collection agency bankruptcy account number policy state according fair credit reporting act fcra procedure case disputed accuracy reinvestigations disputed information reinvestigation required general subject subsection completeness accuracy item information contained consumer file consumer agency disputed consumer consumer notifies agency directly indirectly reseller dispute free charge conduct reasonable reinvestigation determine whether disputed information inaccurate record current status disputed information delete item file accordance paragraph end period beginning date agency receives notice dispute consumer reseller therefore position clearly stated account belong meaning reporting inaccurate account information within credit file fact inaccurate account information mean credit reporting agency reporting incorrect account finally reporting inquiry result type fraudulent activity must noted apply credit account company creditor result attempt open account company approve account therefore inquiry must deleted within credit file delete fraudulently opened account without also deleting fraudulent inquiry inquiry made someone else without authorization factual record access credit file factual record fraudulent activity must addressed reason inquiry disputed made report responsibility investigate claim prove inquiry made must removed credit file responsibility go directly creditor obligation lie foot reporting inaccurate information within credit report violates fcra noted inquiry made factual record fraudulently opened account factual record referred creditor disputed directly credit reporting agency attempted address inquiry factual record file access done fraudulent mean factual record consumer required dispute fraudulent inquiry directly company inquiry result fraudulent activity therefore inaccurate information credit reporting agency creditor verify meaning inquiry unverifiable information must deleted credit file inquiry well aware right consumer fair credit reporting act requires agency report accurate correct account information within credit file credit issue specific account item belong mean reporting incorrect account information within credit report mind request listed account item blocked deleted policy state according fair credit reporting act fcra section block information resulting identity theft block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later four business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information relating transaction consumer furnishers information consumer reporting agency must comply applicable regulation information applicable regulation currently effect found consumer financial protection bureau website notice furnishers information obligation furnishers fcra federal fair credit reporting act fcra imposes responsibility person furnish information consumer reporting agency cras responsibility found section fcra state law may impose additional requirement furnishers furnishers information cras become familiar applicable law may want consult counsel ensure compliance text fcra available website consumer financial protection bureau cfpb list tile section tile fcra code end document section imposes following duty upon furnishers accuracy guideline fcra requires furnishers comply federal guideline regulation dealing accuracy information provided cras furnishers federal regulation guideline available section e general prohibition reporting inaccurate information fcra prohibits information furnishers providing information cra know reasonable cause believe inaccurate however furnisher subject general prohibition clearly conspicuously specifies address consumer may write notify furnisher certain information inaccurate section l l c duty correct update information time person regularly ordinary course business information one cras determines information provided complete accurate furnisher must promptly provide complete accurate information cra addition furnisher must notify cras received information correction must thereafter report complete accurate information section duty notice dispute consumer consumer notifies furnisher address specified furnisher notice specific information inaccurate information fact inaccurate furnisher must thereafter report correct information cras section l b consumer notifies furnisher consumer dispute completeness accuracy information reported furnisher furnisher may subsequently report information cra without providing notice dispute section furnishers must comply federal regulation identify information furnisher must investigate dispute made directly furnisher consumer regulation furnishers complete investigation within day day consumer later provides relevant additional information unless dispute frivolous irrelevant come credit repair organization section federal regulation available section duty notice dispute consumer reporting agency cra notifies furnisher consumer dispute completeness accuracy information provided furnisher furnisher duty follow certain procedure furnisher must conduct investigation review relevant information provided cra including information given cra consumer section b l b b report result cra referred dispute investigation establishes information fact incomplete inaccurate report result cras furnisher provided information compile maintain file nationwide basis section b l c b l complete step within day date cra receives dispute day consumer later provides relevant additional information cra section b promptly modify delete information block reporting section b l e duty report voluntary closing credit account consumer voluntarily close credit account person regularly ordinary course business furnished information one must report fact provides information time period account closed section duty report date delinquency furnisher report information concerning delinquent account placed collection charged profit loss subject similar action furnisher must within day reporting information provide cra month year commencement delinquency immediately preceded action agency know long keep information consumer file section person debt collector acquired responsible collecting delinquent account report information may comply requirement section consumer dispute reporting slime delinquency date previously reported creditor h creditor report date may comply fcra establishing reasonable procedure obtain report delinquency date delinquency date reasonably obtained following reasonable procedure ensure data reported precedes date account placed collection charged profit loss subjected similar action section duty financial institution reporting negative information financial institution furnish information nationwide consumer reporting agency defined section p must notify consumer writing may furnish furnished negative information cra section cfpb prescribed model disclosure cfr part app b duty furnishing medical information furnisher whose primary business providing medical service product device furnisher agent assignee medical information furnisher purpose fcra must notify cras report fact section notice enable cras comply duty section g reporting medical information duty id theft occurs furnishers must place reasonable procedure respond notification cras information furnished result identity theft prevent refurnishing information future furnisher may furnish information consumer identified resulting identity theft unless furnisher subsequently know informed consumer information correct section furnisher learns furnished inaccurate information due identity theft must notify cra correct information must thereafter report complete accurate information section furnisher information notified pursuant procedure set forth section debt resulted identity theft furnisher may sell transfer place collection debt except certain limited circumstance section cfpb website information fcra including publication business full text fcra citation fcra section code seq provided item within package therefore expect listed account deleted blocked within four business day clearly identity theft issue also entitled receive free copy credit report requesting free credit report account public record item inquiry permanently blocked deleted

filed amortization plan state wi chapter attorney wi case county wisconsin trustee reporting delinquent credit bureau missed payment delinquent

filed dispute credit bureau account incorrect midland credit managment stating balance informed numerous time account paid full year ago yet midland credit continues report called request payment deletion letter done get removed credit report agent stated discus payment option via telephone requesting midland credit get update account information xxxxxxxx remove collection credit file still state owe money requesting submit payment deletion letter pay whatever fraudulently think owe removed credit report account original midland funding llc account

went go pull money pre paid card witch unemployment benefit getting direct deposited said account locked went online check see going would let even check anything online account locked call say sorry account locked release money would need copy id social security card piece mail proving address sent multiple time still keep playing game saying enough date ive sent mail thats last day still denied money around dollar family rely unemployment need money please help

identity compromised found credit karma sent email needed take action immediately pulled credit report saw outrageous amount item opened social number look person stole identity able pay thing opened name fraudulent item mine please remove report

son dad get new truck currently financed ally financial ally reported credit bureau account past due made several attempt dispute credit report unsuccessful full going back forth ally account refinance whatever need get account took court claiming left primary residence contempt court breaking court order year also filed fraudulent tax return claimed spouse knowing already married someone else got tax refund work year would mentioned information court accused breaking court order know month later registering school count get financial aid tax information match irs point get way put paperwork ally false said court illegal lie credit application work lived false

lender state due covid need verbal verification work per policy time could get company work strict policy got written verification lender work home also wanted written verification working home status something could obtain escalating internally company received approval verbal verification direct manager lender take verbal verification refuse currently day till closing threatening close loan

recently credit profile pulled upon looking report noticed multiple account appearing file showing late payment history account listed account amend never late

writing delete following information file item need deleted listed report victim identity theft make charge ask item deleted correct credit report reported theft identity federal trade commission also enclosed copy federal trade commission ifentity theft affidavit please delete item soon possible

made purchase sent order wrong state person asking pay pal return item back wrong address mile house pay pal staff insulting degrading refused honor pledge pay refund go vendor refuse pay refund returning item receive item california returned sleers store came pay pal discussed person received order refund twice

disputed avail collection account appearing credit report collection company listed problem originally requested validation debt responded consent form dated entire year earlier hospital bill inpatient date valid validation debt also consent form regular doctor visit hospital stay bill indicated reached original creditor learn debt trying collect actually included charity application submitted assistance debt purchased charity application accepted u still pending review thus trying collect debt enclosed bill copy billing statement show account pending review charity assistance balance notified dispute debt day notice however crease contact collection item

account listed fraudulent someone used social security number photo id open account belong victim identity theft writing request initiate formal complaint experian cras mailed experian block fraudulent information reported account victim identity theft attached unwilling unable conduct adequate investigation failed refused block usage fraudulent account reported please contact agency initiate formal investigation possible violation fair credit reporting act fair debt collection practice act also contacting attorney general postal inspection service possible violation law

unknown hard inquiry credit report im requested verification inquiry method verification ally financial requested requested company provide following proof permissible purpose written authorization proof personally initiated inquiry

someone applied credit social security number called service say sent request inquiry removed refused tell information except name application

already reached equifax notify error posting information report monitoring credit report change since several dispute letter yet see correction asked desperately need requested generate personally detailed description procedure designed verify account real moment information received

mortgage new rez loan number got offer refinance mortgage new rez closed refinanced mortgage new loan new rez debited account old mortgage loan number old mortgage closed indication credit also show new loan addition loan showing paid based amount submitted closing showing nowhere received money back since called repeatedly emailed using customer service email success getting issue resolved

violated right reporting incorrect information equifax regarding credit file following credit bureau violated right adding incorrect information credit profile others see buisnesses along others reporting following company equifax applied credit inaccurate violated right fair information credit report personal information credit report inaccurate well requested address phone number name corrected report violation consumer protection right

capital one decided close two store credit card account reason invalid received notice account closure via usps mail advised closed type security risk account opened almost right year called review team capital one letter inquire decision hoping mistake called advised could tell exactly account closed either late payment returned payment advised rep ever either account credit account advised could help review department make decision since back office team nothing assist also inquired would displayed credit report advised rep named know sure going negative remark also advised could speak supervisor know either feel capital one either discriminating fraudulently closed account perfect payment history

filed complaint experian thru cfpb attached complaint response listed report also file creditor last week cfpb without experian opening file attachment attached complaint experian responded back morning without bothering reading attachment said attachment please read entirety remove negative tradeline credit report day asking experian remove earlier based attachment say remove please send response without reading document telling investigation back see attachment

filing complaint world finance co ignored request provide document company file used verify account disputed gone past day mark verify account section fcra required promptly delete information disputed numerous occasion please resolve matter soon possible thank

vin purchased financed paid unable get title florida dmv indicates still lien vehicle called hyundai finance admitted loan paid refuse send lien release information also contact florida dmv inform loan paid lien released called hyundai time past week spoken supervisor named senior supervisor named claimed high go said would need contact dmv explained dmv help record indicate hyundai still lien vehicle also contacted hyundai customer care provided detailed description situation hyundai finance lack cooperation two day hyundai customer care said contact hyundai finance obviously read email entirety receiving title critical traded car dealer want title produce title within next week pick vehicle write check trade amount attached screenshot florida dmv showing active lien vehicle

newrez mortgage service company refuse apply extra payment principal multiple online phone call request resolve issue

noticed recent credit report contains late payment reported attached account financial hardship affected continue making payment account made mistake falling behind since able improved record making payment please consider making goodwill adjustment account listed

agency contacted inquire alleged debt advised per fdcpa wished exercise right dispute tje alleged debt wished contacted sent via priority mail request validity arrived got letter dated stating ceasing collection told oh written verbal cease n desist prohibits phone call written communication yet cbe group want try intimidate sent validate debt joke

cra continue violate fcra section reporting account incorrect data information account reporting inaccurate permissible purpose

ga letter remove inaccurate credit information may concern received copy credit report found following item error letter formal complaint inaccurate information list credit report information credit profile damaging effect credit standing doubt aware credit reporting law ensure bureau report accurate credit information inclusion inaccurate information mistake either reporting creditor part mistake credit report wrongfully denied credit highly embarrassing negatively impacted lifestyle following information need verified deleted credit report soon possible tx letter remove inaccurate credit information may concern received copy credit report found following item error letter formal complaint inaccurate information list credit report information credit profile damaging effect credit standing doubt aware credit reporting law ensure bureau report accurate credit information inclusion inaccurate information mistake either reporting creditor part mistake credit report wrongfully denied credit highly embarrassing negatively impacted lifestyle following information need verified deleted credit report soon possible transunion llc xxxxxxxx pa letter remove inaccurate credit information may concern received copy credit report found following item error letter formal complaint inaccurate information list credit report information credit profile damaging effect credit standing doubt aware credit reporting law ensure bureau report accurate credit information inclusion inaccurate information mistake either reporting creditor part mistake credit report wrongfully denied credit highly embarrassing negatively impacted lifestyle following information need verified deleted credit report soon possible xxxxxxxx

macys mail statement credit card requested statement monthly

equifax reporting amount partial account number please see page attached credit report along copy driver license ssn card identification purpose bureau investigate complaint attached proof payment account lates reporting also incorrect account need report balance lates violation fair credit reporting act report accurate information credit report false reporting lates seriously harming credit score line item need updated removed contacted bureau fix however successful

day waiting response credit bureau inaccurate information credit report negative account credit report account negative showing inquiry authorized waited much response credit bureau

last time sent dispute letter yet receive response either bureau following error need corrected immediately account number account number account number account number day since ive sent last round dispute letter dont receive response date law according fcra must remove report within next day

trying link account pnc bank app using service called saying bank stopped allowing people link checking account believe fair

submitted complaint last week american express bluebird payment made credit card never received never returned realized upon evaluating account second payment also attempted make bluebird account also never received never returned bluebird account actually total missing account payment account say processing continue trying process two payment even though called bluebird customer service inform credit card changed due fraud assigned new credit card refused update credit card number refused let set new bill pay account correct credit card information refused refund payment clearly limbo month calling customer service near impossible take hour someone answer refuse resolve simple issue submitted dispute form asked ca even close account get money back need someone help expedite getting anywhere terrible company attached dispute form sent

end attempted make payment personal loan bank find loan paid without knowledge suspected mistake called find happened told loan officer could tell fund came worry since paid loan closed additional sent via check deposited money saving account sat strongly suspecting mine knowing actually belonged also received letter dated informing loan paid closed turn car dealership purchased vehicle early sent payoff amount wrong bank order facilitate sale vehicle dealership actually issued second payment correct bank dealership attempting recover fund mistakenly sent bank beginning le hour mistake made received phone call bank informing mistake taken without authorization signature new loan name taking without needing signature authorization amount saving account rectify mistake meanwhile dealership trying get money back unsuccessfully fund returned mean time bank possession fund complaint bank issued new loan name backdated interest amount stressed enough interest money possession period time dealership reimbursed open account remaining balance loan time mistake made loan reopened name either reopened without knowledge backdated accrue interest reopened amount spoken several member bank branch manager corporation customer service line told loan reopened amount told tough luck refuse change amount noted given fact new loan number old loan number would appear bank actually attempted erase mistake accounting record altogether

sent dispute letter bureau month change reply inquires credit knowledge asked proof got nothing

let link account

recently sent letter day ago experian disregarding regular consumer dispute stressed sending letter still response

block except otherwise provided section consumer reporting agency shall block reporting information file consumer consumer identifies information resulted alleged identity theft later business day date receipt agency appropriate proof identity consumer copy identity theft report identification information consumer statement consumer information information relating transaction consumer b notification consumer reporting agency shall promptly notify furnisher information identified consumer subsection section information may result identity theft identity theft report filed block requested section effective date block c authority decline rescind general consumer reporting agency may decline block may rescind block information relating consumer section consumer reporting agency reasonably determines information blocked error block requested consumer error b information blocked block requested consumer basis material misrepresentation fact consumer relevant request block c consumer obtained possession good service money result blocked transaction transaction notification consumer block information declined rescinded subsection affected consumer shall notified promptly manner consumer notified reinsertion information section b title significance block purpose subsection consumer reporting agency rescinds block presence information file consumer prior blocking information evidence whether consumer knew known consumer obtained possession good service money result block exception resellers reseller file section shall apply consumer reporting agency consumer reporting agency reseller b time request consumer subsection section otherwise furnishing reselling consumer report concerning information identified consumer c informs consumer mean consumer may report identity theft bureau obtain consumer information regarding identity theft reseller file sole obligation consumer reporting agency section regard request consumer section shall block consumer report maintained consumer reporting agency subsequent use consumer accordance provision subsection section identifies consumer reporting agency information file consumer resulted identity theft b consumer reporting agency reseller identified information notice carrying obligation paragraph reseller shall promptly provide notice consumer decision block file notice shall contain name address telephone number consumer reporting agency consumer information obtained resale e exception verification company provision section apply check service company acting issue authorization purpose approving processing negotiable instrument electronic fund transfer similar method payment except beginning business day receipt information described paragraph subsection section check service company shall report national consumer reporting agency described section p title information identified subject identity theft report resulting identity theft f access blocked information law enforcement agency provision section shall construed requiring consumer reporting agency prevent federal state local law enforcement agency accessing blocked information consumer file agency could otherwise obtain access subchapter according fair credit reporting act section required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately

complaint regard trans union reporting inaccurate information consumer credit report account show open account disputed account multiple time ask trans union validate debt trans union validated debt reached spoke representative confirms balance system show transfer confirms balance show delinquency system also reach spoke representative asked validate debt show consumer credit report recognize debt ask follow within two week need reach get documentation debt confirms documentation system validate debt called back spoke asks call back around system documentation validate

submitted four dispute asking verify immediately remove collection credit report knowledge second attempt submitted never sent notice whether verified removed signed subscription showed updated account day later without full investigation sent notarized letter asking numerous time along copy driver license social security card removed account

checking process getting credit score report record show credit card found unknown lvnv funding credit card unauthorized transaction maybe identity theft considered

account paid still show open balance called repeatedly last time last representative talked told closed balance remains pull account show active large balance

kraken site hacked fund stolen recourse support received email kraken crypto exchange someone requesting change password hadnt logged month contacted say wasnt next week send photo information proving regain access informed kraken support account unlocked trading funding still locked deleted withdrawal address recognize upon completing direction found address asked delete address crypto sent still informed point asked fund repeatedly told account would locked deleted address didnt recognize realise asked delete evidence took screenshots deleting attach report complete kraken support staff said could anything nothing could done anyone find money asked send login info took another month kraken final provide turn withdrawal completed kraken account min clearly target nothing done fine kraken hacked difficult afterwards want minimum posted others warned staff avoid responding dealt several ppl throughout process case would get marked solved end sending response question hadnt checked month dont think lot money others careful kraken

car totaled insurance company two separate claim jp morgan chase auto reported account day late notified completed paperwork paid full remaining balance significantly dropped credit score refused correct error way stated take day account show paid full never late one time car payment take day report day late law govern transaction need changing submitted documentation chase including letter refunded money overpayment refused accept dispute falsely denied even submitting documentation showing account paid full claim started completed way day past due credit score repaired even shown credit report account paid need regulation change industry scam

currently account showing credit report never opened victim id thief police ftc report file company yet still reporting inaccurate data

two credit card citibank around one citibank credit card payment applied wrong account causing intended account show day late contacting citibank support several time investigating finally connected citibank executive response confirmed late payment reported error occurred wrote letter attached saying three credit bureau would contacted told remove late payment history late payment year credit history removed late payment despite submitting dispute including necessary info could use verify late payment removed refuse believe direct violation fcra information knowingly show reporting false dispute still pending including three company citibank complaint

identity compromised found sent email needed act immediately pulled credit report saw outrageous amount item opened social security number look person stole identity able pay thing opened name fraudulent item mine please remove report

sent debt validation request lowes lowes received request responded request validation alleged debt

previously disputed public record credit report equifax said investigated result provided confirmed first issue investigated account stated federal law initiated request say even file name information public record deleted immediately credit report incorrect false

appearing experian account balance account dollar depicted experian automatically say dispute frivolous wo allow break law fcra regard

called citi bank collection dept today asked assistance regardin monthly payment two credit cards specifically time suffering income disruption brought public health issue triggered corona virus asking payment suspension day public health issue ongoing refused grant assistance instead keep telling nothing help miss payment account charged wil go collection company feel citi bank consider current hardship consumer suffering current public health issue totally unexpected therefore consumer difficulty making monthly payment complaining citi bank giving consideration problem consumer suffering specifically income disruption brought public health issue

balance kind account noted charged account account balance truly inaccurate sure remove item fully please also offer documentation make sure charge credit particular alleged account caused high credit number displayed report petition give record seen standard information inquiry per privilege awarded fair credit billing act unable deliver data per civil right inquiry automatically eliminate specific erroneous entry

contacted quicken loan refinance existing home mortgage loan spoke two mortgage banker informed wanted refinance mortgage loan banker informed credit score qualify conventional loan made aware credit score ran month ago qualified conventional loan however customer service poor previous mortgage banker proceed financing loan requested pull credit report see score increased pulled credit report stated credit score decreased qualify conventional loan may eligible fha loan told want fha loan gon na proceed loan application attempting end call informed credit score middle score qualify conventional loan however previous conversation mortgage banker stated credit score qualify conventional loan complaint quicken loan mortgage banker providing misleading information customer believe protected class finance mortgage high interest rate loan banker helpful getting loan approved taking advantage customer protected class spoken three banker quicken loan able assist financing mortgage customer service poor feel discriminated race gender

tried multiple time dispute inaccurate information transunion credit report asked company send document original signature proof show account inaccurate account listed inaccurate item report listed never done business company inaccurate item transunion report listed never done business company

credit monitoring service told collection action registered aside fact collection agency number filing erc fl working searched internet found contacting immediately current address address one business claimed unpaid bill called active account meaning know find found current account claimed bill unreturned equipment previous account house moved returned equipment fact simultaneously canceled account person returning equipment main issue account several place tx current one tx yet first information get regarding almost year old alleged issue credit reporting service well credit reporting agency immediately recited current home address called yet sent notice via mail reporting additionally confirmed telephone number address account attempt made contact well closed account rented house year tenant dutiful giving mail arrived house name time receive mail regarding claim going search device may scanned claimed account closed point attempt made contact regarding issue exists credit report time would like refinance house also seems new york congressman want investigation practice http seems growing concern people honest person well point credit score forwarding address mail even admit know address phone number egregious reprehensible would notified issue collection action credit report earlier attempt notify issue light especially rep spoke said would let create new account unless resolved alleged unreturned equipment issue likely take many hour time resolve expunge record credit reason seem likely receive compensation demanded pay ability place credit report statute limitation debt collection year texas usually last payment made illegal collection action almost year failure notify timely manner account closed get removed credit report erroneously state debt owed depress score year seriously impact ability use credit facility could quite likely actionable position could incur financial loss due attached collection information credit reporting account including disconnected number debt collector erc

want link pnc account account pnc let link account account linked able earn interest money automatically put account pnc stopped feature therefore losing money

annual fee use airport lounge closed since asked partial credit denied premium credit card already offered amex foreign customer service agent dont comprehend issue sound like robot reading script

offered covid payment deferment however failed mention could take day would report credit company late payment payment paid late even approval deferment account current filed deferment told placed account approved next month informed credit monitoring payment went credit late payment hurting credit score tremendously since written two letter resolution department informed apparently way contact phone number po box yet get situation resolved terrible customer service layout settling type issue representative give full accurate information account detail program entail remark credit inaccurate removed immediately

id theft victim account mine account

account debited ace ace check cashing understanding california live florida never traveled california reached institution inform unauthorized debit account advise claim denied solely fact associate verified identity highly impossible filed id theift report local police department regarding matter asked customer service team video footage pulled regarding verification rebuttal seems believe associate correct verification process

inquiry loan credit application obtained copy credit report inquiry loan credit application obtained copy credit report inquiry loan credit application obtained copy credit report inquiry loan credit application cxxxx obtained copy credit report inquiry loan credit application obtained copy credit report installment loan inquiry obtained copy experian credit report inquiry loan credit application obtained copy credit report inquiry loan credit application obtained copy credit report inquiry loan credit application obtained copy credit report

reporting inaccurate payment history across ca please delete account per fair credit act account number

charged great value vacation sent email canceled trip due covid wanted give voucher want refund wrote wanted refund never responded since canceled trip get refund ready go credit card disputed amount portion put card able refund money email doc

chase bank pre approved u home mortgage found house offer accepted started process filled mortgage application chase told day guarantee closing advised ok close home sold closed process chase blamed ton issue updated regularly task kept assigned issue paystubs sent document multiple time mortgage specialist kept telling u finance approved track heard nothing week chase wouldnt return call paperwork expired long story short chase informed u validate wife income self employed piano teacher spoke manger essentially told way approve mortgage would miracle chase bank terrible apply another bank house unreal would never recommend

loan ditch ditech went bankrupt loan acquired shellpoint mortgage servicing shellpoint continues make error account money paid escrow account month fund shellpoint pay bill home insurance flood insurance shellpoint sends u letter saying insurance company going purchase policy add amount loan thereby increasing amount must pay month also tax property officially deferred tx shellpoint acknowledged received documentation verify deferral spite shellpoint sent payment shellpoint sent escrow analysis saying short amount escrow going increase monthly mortgage payment per month continually spend time calling shellpoint sending fax company insurance agent verification policy order shellplont correct many error become harassment negatively affected life financially emotionally

hello name closed cd amount ally bank first check returned back ally bank order issue another check contacted ally bank bank manager said check sent day contacted ally bank receive check ally bank confirmed check cashed requested ally bank make stop payment transfer money bank ally said would contact never contacted ally bank manager requested transfer money today refused pay money back fill loss found affidavit notarization asked ally bank manager fill affidavit form since confirmed check never cashed could make stop payment pay right away covid pandemic going look place notarize affidavit form order get money since knew still money believe ally bank trying keep customer money longer without paying interest order business would like get problem solved soon possible looking forward hearing back soon best regard

took personal loan help mother required hour care loan amount mother passed received unsolicited call loan company agent borrow money replied received alert stating increasing balance amount explanation justification reached day mariner finance person answering replied next reached ascertain root state information reported lender admitted

transunion reporting incorrectly day late partial account number please see page attached credit report account report balance past due please keep mind would impossible late account dollar balance false reporting lates seriously harming credit score line item need removed credit report contacted bureau remove however successful

check servicer misapplied fund totally incorrect account violating every financial regulation specifically principal interest escrow check applied

american credit acceptance predatory offer high interest auto loan consumer low credit score intention defaulting charging excessive penalty interest literally recovering homeless finally resumed work needed vehicle get work although knew interest auto loan predatory told needed make timely payment could refinance lower rate several month perfect payment history called requested chance refinance told company simply predatory interest rate already negative equity vehicle finding another lender underwrite auto negative interest trying rebuild credit possible continued make timely payment coronavirus pandemic hit due family situation remained employed family support called requested assistance american credit acceptance told would mail request told resided county state currently mandatory order thus could visit printing store send printed letter instead requested ability file request telephone email electronic mean told would accept email paper letter request would accept unable coronavirus world event simply accept predatory behavior unfortunately used coronavirus pandemic mean extort consumer despite call request assistance pursued collection action day payment due walked outside see repossessed vehicle middle night got email morning saying contact immediately car danger repossession since car already repossessed clearly contacted towing company ahead time take vehicle day payment due sending warning time leading repossession send single email letter make telephone call contacted aca attempt retain vehicle astonished understand vehicle recovery department suggesting quick illegal repossession course business charge exploitative fee subjected fee fee repossession charged aca research fee reinstatement fee pay additional fee tow company paid fee including past due balance able take back custody vehicle however next month aca continued add fee related repossession add fee principal balance mean new payment make constantly behind payment use continue threaten another repossession addition dinging credit past due payment unable seek help another lender simply trapped implore cfpb assistance provide warn consumer exploitative predatory tactic

called regional finance several time asked covid assistance informed could help back lady told since payment due wait tile amount due ask deferrement asked deferral furloughed work told regional finance furloughed company keep calling harrassing asking payment knowing requested assistance becuase covid called corporate office informed could renew account could deferr payment since covid assistance program one deferral time humbly request someone help talked manager lady regional finance location seem care going make payment streessed right help someone like

disputed information transunion account belong sent multiple dispute letter letter mailed received result claiming verified item disputed disputed item received letter claiming verified account item mine

reporting debt credit file know soon found paid debt violation day right dispute never received call collection notice regarding debt already credit erroneous acct

request authorized fcra procedure case disputed accuracy request regarding account listed account previously reported credit file subsequently deleted item disputed could verified requested copy credit report right facta act item contained credit file date denied credit home student based upon negative information reported requested second copy credit report right review credit report denial credit account question suddenly reappeared report dated immediately completed online dispute account response dispute sent letter dated confirmation number letter stated investigation completed verified item belongs two problem way reporting account handled first according credit report item reported even giving generous assumption item reported find difficult believe additional information regarding item sufficient enough prove account could provided one day account furthermore find odd letter verifying account predates dispute account additionally violation fcra procedure case disputed accuracy failure notify timely manner tradeline reinserted credit file accordance requirement fcra shown hereby requesting complete compliance provision follows procedure case disputed accuracy blink certification accuracy information information deleted consumer file pursuant subparagraph information may reinserted file consumer reporting agency unless person furnishes information certifies information complete accurate please furnish copy certification ii information deleted consumer file pursuant subparagraph reinserted file consumer reporting agency shall notify consumer reinsertion writing later business day reinsertion authorized consumer purpose mean available agency received notification serious violation fcra reserve right pursue action iii additional information part addition notice clause ii consumer reporting agency shall provide consumer writing later business day date reinsertion statement disputed information reinserted ii business name address furnisher information contacted telephone number furnisher reasonably available furnisher information contacted consumer reporting agency connection reinsertion information iii notice consumer right add statement consumer file disputing accuracy completeness disputed information please furnish required statement data procedure prevent reappearance consumer reporting agency shall maintain reasonable procedure designed prevent reappearance consumer file consumer report consumer information deleted pursuant paragraph notice requested consumer description procedure used determine accuracy completeness information shall provided consumer agency including business name address furnisher information contacted connection information telephone number furnisher reasonably available please furnish full description procedure used determine accuracy information description reinvestigation procedure consumer reporting agency shall provide consumer description referred paragraph iii later day receiving request consumer description accordance requirement fcra please furnish requested material within day

victim identity theft

limit sharing information equifax suggests way online accessible via direction provided privacy notice upon signing free account wanted limit sharing personal information much possible provide pdf called consumer privacy notice provides two option limit sharing online portal phone number link offered consumer privacy notice exist use path limit sharing information relevant text pdf visit u online http select customer service

purchased paying vehicle approximately year amount vehicle never changed fact price vehicle continue going contacted creditor santander several occasion stated outstanding balance account correct every time paid something towards monthly payment outstanding balance loan continue go contacted company requesting pick vehicle listed voluntary return vehicle would never balance paid sent certified return receipt letter backup wanted contacted via mail creditor stating vehicle sold large outstanding balance owed received letter letter still amount owed amount left balance prior returning vehicle today santander still reporting credit beaureu month vehicle added large amount charge vehicle place credit report repossession make credit report look bad unhappy contacted several time explain contacted pick vehicle stated matter send certified return receipt letter non void stated take certified return receipt letter source picking vehicle explained called sent letter fair want removed credit report please someone look let know need spoken two people loan company going issue must stopped thank

sent several dispute credit bureau transunion yet respond provide result understand pandemic going still required provide result law reporting error credit file need respond dispute

company started reporting exact date added dont know credit discovered placement derogatory item company never heard prior seeing credit file never heard company spotting credit file never entered agreement never communication researched company upon seeing credit file see many countless violation law complaint issued serious concern find troubling company shady track record access information file established permissible purpose fcra accessing credit file company opened account five day typed sent complaint yet mailed validation letter debt made initial contact placing derogatory information yet violating law disregarding fair debt collection practice act fulfilling validation debt requirement offering chance respond demanding validation denying lawful right demanding company documentation file regarding alleged account signed contract showing existence account accounting showing amount demanding full total deletion account credit file credence placing account deletion personal information possession regarding resell alleged account also demanded verification alleged account credit bureau account placed

initially agreed loan amount included initial escrow mo mo cushion pre paid prepaid property tax loan officer said would pay mortgage month would get back old lender want include loan said called find escrow said paid escrow still waiting final check freedom wonderful company wish could go back fellow veteran steer clear freedom mortgage freedom would return call mine wire check back getting call returned finally paid satisfy loan found previous mortgage company already paid tax amount loan amount l spending month trying find numerous phone call still resolution revised closing disclosure saying put escrow analysis let know next week decide even see first closing disclosure day closing need done collected escrow month cushion closing disclosure revised reflect correct loan amount money put escrow writing letter complain know company taken advantage

track public service loan forgiveness one point loan serviced shut loan transfered current servicer fedloan fedloan alleging payment made asked copy payment record say ordering review refuse provide supposed prove made payment without access record bank retain record older year fedloan refusing provide copy payment record

complaint bank america prepaid employment development dept handle everyones unemployment fund direct depositing unemployment benefit maybe could employment development department unauthorized charged made debit card approx put hold card thru online acct unauthorized charge could made contacted bank america dispute charge account since state protection unauthorized charge agreement cust svs rep tell hold transfer dept charge since hold account well needle say way attempt first one ive attempted early morning middle day business hour closing least hour time answer msg repesating every minute called back regular cust svs see option could take care unauthorized charge say wait long take answer ask way another card sent since card suspended would file claim time wait hold say yeah yoju pfoblem tell sending express shipping day arrive ask walk bank get money right like say oh cant get money already reported card lost stolen since prepaid account number card also acct number wont show activate new card called back day ago cust service week half still received card tell yeah hold fofr pick call basically avoiding kind solution telling cant even get money bank hold bank put acct cleared risk management dept transfer back dept waited two hour hanging mad cant get thru cust svs rep keep avoiding helping thasg say stasy hold employment development dept say deal bank america clue verification talking yet still accepted last deposit dont know money cant get anybody help issue know everybody know need either hire staff change way dealing thank help time im sure morev important thing deal last resource

mortgage servicer changed hand transferred freedom mortgage sent freedom mortgage cashier check shortly began receiving past due notice freedom mortgage contacted supervisor freedom mortgage researched situation found freedom mortgage received cashier check name mailed people state utah unprocessed claim loan number matched folk loan number despite paid mortgage time ago people ae know summary freedom mortgage received payment admit freedom mortgage process mortgage account freedom mortgage mailed cashier check someone utah freedom mortgage sending past due notice despite knowing situation received subsequent monthly payment

trying reach branch manager opened account branch refuse give access account produce social security card utility currently posse social security delay processing social security card take month arrive due offered commercial driver driver license offered avalible proof social security offered credit card offered photo copy social security offered mortgage statement offered property tax receipt offered real estate broker license offered vehicle registration offered homeowner insurance address utility bill nothing else gross tenancy landlord pay utility bill tenant pay gross tenancy cant get money bank

disputed account last month account mine please remove credit repair company mortgage company

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

went dealer bought new gave payment cash paid gap insurance financed rest value financial institution first help financial indicated salesman negotiated negotiation done salesman email proved gave personal information first time buying new car told would better give personal information could deal financial institution almost year paying auto loan time paid without late payment contacted financial institution first help financial inform due pandemic substantial loss income could pay loan time way time car loan xxxxeven challenge due pandemic economic hardship situation paid car loan charged late fee payment asked institution send contract copy loan could compare contract hand see could refinance car loan another financial institution better interest rate since credit score improved drastically first help financial sent contract surprise contract sent signature mine forged another thing contract sent different one signed amount financed different contract hand also payment value different gap insurance appear forged contract realizing fraud contacted dealership email phone asked send contract email contract sent forged signature recognize mine contacted first help financial phone email explained signature mine recognize contract also contacted gap insurance company company salesman told gap contract signed company said according vin number never contract hand contract gap insurance bought moment car purchase realizing victim scam constantly trying contact company involved contract email document prof situation hard willing solve problem financial loss concerned signature trust first help financial anymore want void contract money back return car document email easily prove signature forged result unfair deceptive act practice suffered injury loss money follows payment gap insurance first help financial

filed dispute equifax disputing collection account one amount second account never contract account company ever information false mine fair credit reporting act violation equifax since removed account amount equifax failed remove

ordeal began locked attractive rate see attached sent urgent email xxxxx sign outstanding document immediately complied contacted see available closing scheduled closing attorney day also sent new cd discount point inflated without explanation catch right away one knew anything hour day closing sent conditional approval outstanding condition see attached understand file incomplete could made past pre underwriting submission checklist item reviewed requested much sooner dropped everything went office immediately sent everything schedule closing time received condition see attached point requested speak member leadership team assured request speak someone would honored see attached called monday see might able close later day since rate lock set expire already appointment field unable set closing attorney tuesday sent clear close xxx see attached xxx see attached needle say didnt happen wednesday received another clear close set yet another closing appointment attorney picked wife proceeded closing virus mandatory shelter place reluctant attorney receive loan package walking door presented u table yet another cd third one within week undisclosed unexplained increase pmi monthly payment called closing table unaware said would check almost three hour text back forth waiting texted last statement manager say need minute update file mortgage insurance he gon na ask funder partial say give time frame im talking closer waited minute sent message closer attorney staying late second day row closer getting ready leave need know something sent hour ago never received response see attached xxx could attach dozen email feel ive made point obviously huge breakdown communication among team countless hour everyones time wasted rate lock set expire one seems either competence desire help made request rate lock extension charge waived lender credit given unexplained undisclosed charge juncture leave else may done never heard back ceo office representative update explanation apology attorney called sent new loan package mortgage company never even told one sent sent ceo follow email today realize email probably monitored screened may reading personally non response office add negative experience company begrudgingly signed inflated unexplained document since receive courtesy reply acknowledgement concern express dissatisfaction mean concerned lack communication lack transparency non disclosure fee change term loan

account please remove

decided pull credit every single time would apply credit card would get denied best knowledge always paid bill time know fact thing showing report belong account fraudulently made without consent please remove account form report u dep ed u dept ed u dep ed

want write day following account portfolio recovery associate portfolio recov assoc account date opened original balance portfolio recov assoc account date opened original balance portfolio recovery associate committing many violation right comsumer since long time ago violation account incurred intrest incorrect inconsistent last activity date ive getting excessive phone call automated dialers portfolio violation ccpa asking mentioned account removed report please send portfolio document attached

first national bank pennsylvania refuse communicate detail regarding returned international wire transfer transfer amount usd sent returned fund due first national bank sending wire transfer usd today month asked wire trace week ago first national bank branch location made transfer pa gotten response pa branch manager claim return fund week call also mentioned fund returned first national bank decides one called even sent single email regarding issue acceptable believe first national bank lost fund attempting dodge responsibility sincerely

american express continues call send email threaten legal action debt past statute limitation debt forgiven seven year

recently looked credit report noticed thing believe wrong reached credit bureau investigation report sent letter never heard anything back sent day comply yet get feedback investigation

already filed complaint care mislead given false information multiple time year aes paying since consolidated federal student loan much afford interest yet principal started told repayment plan many rep working towards forgiveness year also advised take forbearance laid knowing would also effect number year paid today told never correct plan forgiveness year payment wasted never pay loan die deceitful taking advantage public deliberately trying extend life loan business practice simply illegal