Datasets:

fathyshalaby

/

Emailcomplaints-processed

like 0

want link bank account buy stock however following app pnc made change prevents able link account

trying buy first vehicle salesman pulled credit told credit pretty bad amount trying get approved asked problem credit showed report many derogatory item belong contacted ftc local police behalf please remove report company inquiry

constantly call everyday day called told basically brushed continued ask going pay debt

chase offered discount certain product purchase using reward point earned credit card month order still received customer service rude unapologetic lack coordination chase vendor fulfill order information status communication status readily available difficult ascertain

called month stated paid already asked please send email send copy receipt showing account paid full

received two phone call second time voicemail left first time caller stated worked proceeded state company debt owed amount second time caller ide tidied listen voicemail private continued state debt collector debt owed citibank specified amount mailed notification company

moved fl approximately received notification credit report account collection amount contacted person spoke one leasing consultant get information amount owed never received notification statement charge moving day spoke office computer able look account information informed look get back follow leasing office never occurred phone leasing office multiple time left message requesting return call call message ignored thing put hold pandemic month leasing office closed finally able speak property manager emailed copy final account statement reflecting charge include repair vinyl flooring repair damaged blind trash apartment disputing charge blind already damaged upon move noted lease contract addition flooring damage existing mold apartment leasing office already aware charge hidden almost year even though requested different occasion provide statement charge object charge repair result charge forwarded collection agency fco fair collection outsourcingxxxx md negatively impacted credit attached copy email received leasing office along copy certified mail receipt showing never received certified mail charge unfair fraudulent nature requesting assistance charge remove credit bureau contacted fco remove amount collection remove credit report without success

noticed 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 accept

contacted many time failed provide necessary document prove account debt belongs resulted loss credit rating

account set automatic payment checking account statement showed balance payment checking account checking account closed fraud change challenge covid forget update information know payment returned bill immediately paid bill idea payment returned bill came statement closed payment due date made payment however late entry credit report balance due per statement paid hit another delinquency contacted target card service complained paying fee said nothing could fee delinquent flag got copy credit report unhappy see two day delinquent charge called wrote letter nothing happened

hospitalized could pay installment barclays bank personal loan ok started making payment catch payment sent receipt payment balance loan due asked payment history denied asked payment made prior payment refused discus make payment continued request payment history requested copy cancelled check bank ca access payment history finally suggested hire lawyer

may concern writing dispute fraudulent charge account amount victim identity theft make authorize charge requesting charge removed finance charge related fraudulent amount credited well receive accurate statement request made pursuant fair credit billing act amendment truth lending act see also b writing request method verification dispute initiated subsequent response received enclosed letter accordance fcra section requesting information review completeness accuracy appropriateness lieu sending information reopen dispute ensure proper investigation performed would appreciate timely response outlining step occur resolve matter receive response choice exercise right frca section pursue legal action closed account acct opened balance account acct opened balance account collection account acct opened balance account

reached occasion year taken several student loan way school one loan showing individual account credit navient loan servicer failed disclose ability consolidate right forbearance alert deadline told could afford per month payment never tell may qualify income repayment reached took care consodolidated loan put forbearance done payment per month failed lender alleged payment claimed missed late payment across individually reported account reached credit bureau loan reporting sketchy month reporting success paid take ownership terrible lending practice reaging account applying payment borrower loan never age

wallet stolen someone used bank america debit card withdraw called bank america dispute transaction fraud authorize transaction repeated attempt disputing transaction bank closed account negative balance without adequate investigation filed police report regarding manner provided bank

inquiry listed fraudulent someone used social security number photo id fill fraudulent application name writing request initiate formal complaint experian cra 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

credit report show collection numerous correspondence failed provide accurate documentation showing alleged debt valid reason reported past year debt proof dated uploaded document state debt year old contacted experian disputed accuracy collection reported occasion experian stated debt verified however failed provide documentation prove validity debt le year old therefore impossible experian properly verified information reported uploaded letter received experian dispute site explained proof able provide regarding debt already year old ask delete item credit report since valid proof le year old experian sent resolution dated stating investigated information disputed still show collection report attached point action experian failing verify report accurate information credit report causing monetary damage unable get approved professional license

third attempt disputing experian continue violate right continue violate right including inaccurate fraudulent account belong account opened name without consent

creditor name account type auto account status closed opened date closed date limit term month monthly payment responsibility joint account balance highest balance payment status worst payment status date last payment amount past due time day late remark consumer dispute reinvestigation progress charged account payment history latest status co co co co co co co co co co co u u co u u ok ok rf ok ok ok ok ok u u u u u u u ok ok ok ok ok ok ok u u u u u u u u u u u u u u u u u u u u u u u u j f j j n co u unknown day late day late rf account detail last reported creditor name account type auto account status closed opened date closed date limit term month monthly payment responsibility individual account balance highest balance payment status worst payment status date last payment amount past due time day late remark consumer dispute reinvestigation progress charged account fixed rate payment history latest status co co co co co co co co co co co co co co co co co co co co co co co co co co co u u u u u u u u u u co co u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u u j f j j n co u unknown collection agency original creditor status open opened date closed date responsibility individual account balance high balance remark consumer dispute account information medical account detail last reported collection agency original creditor status open opened date closed date responsibility individual account balance high balance remark consumer dispute account information collection account alll ftc filed last reported creditor name account type fha real estate mortgage account status closed opened date closed date limit term month monthly payment responsibility individual balance highest balance payment status current worst payment status day late date last payment amount past due time day late collection agency original creditor status open opened date closed date responsibility individual balance high balance remark account information disputed consumer meet fcra requiremen ftc violation

purchased airline ticked chase credit card flight scheduled return due covid border closure airline canceled flight amount paid ticket disputed charge credit company airline want provide refund beginning amount credited back account airline sent bogus response credit card claiming ticket valid looked like claiming flight took place already seems like fraudulent tactic airline point chase sided added charge back account including interest provided chase documentation needed resolve dispute favor declined return fund two occasion claiming anything side also contacted claim chase already taken fund back also denied issuing voucher would like assist getting refund full amount chase

personal checking account saving account business checking account bank used bank business mine year prior received ppp loan business account issue received eidl sba loan business account went withdraw certified check td bank told get verified come back tomorrow came back next day said spoke fraud confirmed business account additionally provided load agreement paper unlocked account resumed automatic payment account cpa instructed would like make easier personal acct transfer fund better track loan fund sba day opened account went back certified check employee work past week didnt get paid plus certified check wood chipper im month behind payment repo status locked account wouldnt let take fund told cell phone call believe name fraud gsi nj called short said cant transfer anything another account used fund loan week later account still frozen including saving personal acct checking account business account access fund im paying interest business also received unemployment cant work since froze account also took unemployment business business generation find insane treating especially time living today man gsi td fraud guy cell phone branch manager gave call wouldnt give time day

lease currently kia motor finance trying refinance leased vehicle another lender requested buyout quote writing kia letterhead five different occasion date time est called item requested result buyout quote never received buyout quote never received buyout quote never received buyout quote never received buyout quote never received sure else obtain document

instructed pay loancare received payment cleared checking account loancare failed credit account requested fax proof payment loancare via loancare collection accomplished

mailed documentation hard inquires unrelated open account removed report student loan violation discharged account credit report violation state federal law mailing receipt

compliants credit reporting agency reporting error credit report accurate disputed serveral time credit reporting agency provided documentation show reporting error credit report credit reporting agency overlooked proof still go thier decision acknowledge documentation showing proof take consideration correcting updating credit report experian reporting three late payment comment closed account error reporting bankruptcy comment closed account error reporting bankruptcy comment closed account error also disputed three credit reporting agency experian unauthorized inquiry serveral time contact company reported let know well unauthorized inquiry still one want take action remove credit report

unauthorized inquiry need removed

co signer lease opened credit report state late payment back back late primary individual account late payment credit report account contacted take look remove late payment credit report told submitted information needed almost year later bad inquiry still showing every payment lease made time credit report loan show green primary signer

submitted proof equifax bankruptcy item unverified received alert stating notify dispute complete fail remove account proved unverified filed police report also filed identity theft report ftc well affidavit item remains credit hurting score demanded removal credit letter ask send original document debt remove item within day company failed act removing item

continued bill u cancelling service multiple contact made remove billing billed sent u collection settled done dealing cancelled contract disconnected equipment waited send back called multiple time remove billing billed two additional month talking acknowledged billing continued nobody able stop forced pay service use verified also verified equipment disconnected sent back unwilling remove inaccurate collection

credit card issued citi bank last digit since using citi mastercard never single late payment consistently paid balance full end every statement sudden account closed reason contacted citi card customer service told reason could given wait receive letter mail received letter called customer service spoke could provide reason escalated call supervisor team could provide reason account closed thought could due credit report told excellent credit history never late payment last year credit card unfortunately citi closed credit card account cash reward told citi customer rep since account close would able get cash reward accumulated account requesting cfpb investigate issue request citi issue cash reward due

got several charge card thats asked replacement even activating new card there charge thats called capital one im going use new card still theyre collecting payment im using one credit card credit card im paying month

received alert credit monitoring service derogatory information account upon viewing noticed national recovery entered derogatory amount file without contacting debt question point company right direction violation right

report correct balance credit report

received call student loan company stating debt needed pay never applied student loan never gone college quickly opened account review credit report found student loan fraudulent account never opened gave anyone consent open please delete item account soon possible dpt edxxxx usdoexxxx bankruptcy chapter

direct violation fcra negative debt credit report changing delinquency status account fool credit bureau thinking recent really reporting account updating monthly well versed credit law practice account doubt aware collection tied original account charged report account opened therefore account illegal violation fcra fine per incident requesting investigate matter fcra fcra ability consumer dispute information directly furnisher e duty person receiving notice dispute receiving notice dispute consumer pursuant subparagraph person provided information dispute consumer reporting agency shall conduct investigation respect disputed information ii review relevant information provided consumer notice iii complete person investigation dispute report result investigation consumer expiration period section within consumer reporting agency would required complete action consumer elected dispute information section iv investigation find information reported inaccurate promptly notify consumer reporting agency person furnished inaccurate information determination provide agency correction information necessary make information provided person accurate addition investigation going insist remove illegal account credit report expect intent sue mail choice take legal action

applied sprout mortgage day ago worst process ever day finally told loan approved waited another week schedule closing due delay end word raised rate twice said redisclose new rate would take week like groundhog day keep charging money higher rate went online look review hundred others boat sprout need shut hundred get taken single mother really hurt family super qualified borrower happen please look sprout mortgage asap

spoke time since said going remove negative information credit report clearly fault canceled auto payment manual payment lapse system extend lease part ensuring payment made however lapse online system payment canceled reported late day month although clearly made payment received confirmation payment gave multiple reference number however give run around causing extreme hardship negative impact credit report causing able get mortgage one reference number received auto payment canceled manual payment canceled canceled

disputing account update payment history account since come back time stating account certified accurate payment history still reporting incorrectly account report charge offs year payment history eradicated doesnt report date charge state charged account called reached company told dont handle account account given capital one another rep capital one told account sold another company called enhanced recovery company verify account accurate payment history still corrected verify account accurate information account anymore account verified accurate charge status still show account payment history need corrected account must removed experian credit file violation fair credit reporting act

closed capital one account month ago general public learned hacked company problem past couple month unable access account online capital one still taking money checking account monthly basis since set auto pay last payment withdrawn receive either statement notice payment made called cap one today beginning transferred time almost hour later cut resolution problem took place first call minute wait answered stated could verification transferred u another person minute wait named something like heavy accent several time trying understand problem said could help account closed transferred another place hour hold cut without speaking anyone frustrated feel ripped able see account yet taking money sure capital one practicing fraud deception plain bad business want online access card completely

recently obtained copy credit report noticed info report mine please remove account immediately send updated copy credit report

inquires credit report authorized please remove victim identity theft past

using paypal direct deposit information apply stimulus check irs check deposited paypal still saying knowledge transaction irs website showing mo ey

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

recently applied apartment got denied understand would denied income rental history credit standard today checked credit report see item mine understand going item mine need deleted credit report

recently ive started receiving automated phone call voice mail cell phone number called number back spoke representative advised collecting debt know debt knowledge debt advised representative information also advised contact anymore representative advised would continue call violated fdcpa calling verbal request cease desist failed give address send written request want company cease contact given permission call cell representative rude violated several consumer right company investigated collection tactic

ive victim identity theft

comenity bank set consumer company agent told past already set automatic payment system debit card time traveled internationally country internet limited access handle family health emergency early completely ruined vicious company begin informed card balance balance completely within payment ability long reached let know could made payment right away instead company intentionally kept unaware balance country month resulted paying late fee penalty charge moreover resulted significant hit credit completely unacceptable reached company came back country company agent told going charge late fee matter since way run business told going include incident credit report credit negatively influenced traveling country however two month later credit still hit comenity deliver promise confronted say ca anything report cfpb company really dishonest way conduct business shut innocent uneducated american consumer ask cfpb look case help fix credit issue thank

currently account numerous inquiry listed credit report knowledge result malpractice error

account open name without consent need remove

sent several certified letter disputing several collection account report equifax either responded asked proof id credit bureau deleted report equifax stubborn unreasonable

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

sent letter regarding inaccurate unknown thing credit report day later received response yet truly feel like taken advantage ignored dispute section clearly stated failure investigate item within day give reason immediately remove item credit report day deleted promptly demand account deleted immediately file litigation due stress caused information also impacted equifax data breach may gotten hand wrong person

hi today got notified collection account related medical bill got reported credit history collection agency contacted month ago informed unpaid balance immediately took action paid entire bill service provider sent receipt payment collection agency told take week record get updated remove claim soon confirm provider tried multiple time contact collection agency resolve issue kept saying account review service provider name per attachment see already made payment service provider order prove transaction actually gone attached card statement visibility past month made multiple attempt resolve issue contacting rentoncollections keep hearing account still review today got informed account actually reported credit history immediately filed dispute send rentoncollection email remove account credit history action taken yet feel financially abused intentionally delaying review

wondering happening account disputed still receive paperwork back know take day credit bureau side country figured day enough also read dispute first dispute active extend investigation time figured might well file complaint instead sending another dispute delay investigation

loan application well fargo stuck limbo overall ask go issue formal complaint well fargo refinance loan process day end sight rental house primary residence rental property mortgage serviced well fargo well thought would easy get mortgage roof wish thought differently started process application formally submitted paid appraisal processing fee key requested document tax bank retirement insurance pay stub submitted conditional approval received closing date promised additional doc requested key document submitted additional document requested submitted closing date set title company reached detail informed due covid underwriter busy bank statement closing date promised informed rate lock period expired theyll wave fee agree stay patient thro process clarity closing date last communication bank keep asking want cancel application unsure ive stuck guy month look investment isnt time threshold either process decline loan application seems like asking withdraw application

inquiry belong authorized

someone company duplicated mobile account upon time first opening spent month month trying explain phone company happened nothing received final bill letter debt collection day

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

refinanced mortgage loan tcf bank tcf sold loan received loan document redacted trust affiliated listed lien holder tcf bank sold loan changed monthly payment also changed loan escrow requested original loan document tcf bank told sent

equifax violating right reporting false inaccurate account credit file account open fraudulently name attempt writing equifax matter responded dispute made change going attorney take court violation fair credit reporting act

may concern filed dispute experian back balance shown loan incorrect experian informed take day resolve also submitted documentation showing new balance experian sent email stating information updated point decreased credit score explanation also updated balance still incorrect called experian customer service person spoke didnt know credit dropped point information corrected going take another day resolve matter experian one major credit reporting agency right information disappointing also road block trying apply credit make business transaction

filed dispute credit reporting agency regard inaccurate information reporting credit report never received notification regard investigation result day filed day demand comply credit bureau still yet receive response initial dispute day demand

subject account opened fraudulently name one saving one checking account opened well fargo online writing complain well require proper identification picture id required well verify information instead received letter stating congratulation opening new account cancel account called complained however account opened without proper id well derelict regard

reviewed credit report noticed name misspelled incorrect address inaccurate account sent numerous dispute removed inaccurate information account credit report please remove inaccurate information account verified date sent letter

unverified account remain report tried multiple time get account removed credit agency provided method verification yet continue report negative item impact ability approved line credit

filed complaint remove inaccurate address telephone number hard inquires company never done business day still yet remove name mispelled time report sent recently affecting buying house provided address document section hard inquires unknown inaccurate information following company never done business

account listed fraudulent account listed credit report knowledge said account nobody contacted regard said account prior listing credit report someone assumed identity account listed credit report account direct violation fair debt practice act meant protect consumer per section listed account inquiry blocked removed credit report within business day receiving documentation sincerely appreciate swift response important matter attempt put financial life back together huge disparity report item removed never filed bankruptcy proof court supply information party bureau get information prepared go far need get life back together

single mom experienced major loss income due covid struggled make payment eventually fell past due recovered income previously lost called td spoke agent named explained situation asked payment arrangement could made bring account current told could make payment per month account brought current full payment around told could schedule payment time payment scheduled told would need call back schedule two payment told planned making payment pay date assured fine notating account even though could set payment call however vehicle repossessed despite told payment plan acceptable called td spoke id informed valid repossession payment scheduled confirmed stating could schedule payment time accurate also stated repossess additional payment scheduled conflicting information intent call schedule two payment month assured ok told manager would contact within hour heard back without vehicle way get work take child school absolutely appalling company treat customer way affected covid

filed several dispute issue unresolved

noticed collection agency trying collect dept knowledge dont know company signed agreement affiliate

recently contacted refinancing mortgage quicken loan give permission credit pulled anyhow refused fix hit credit apologize miscommunication communication take party one party essentially blamed poor practice disguised apology also asked give permission run wife credit illegal give neither like ran credit without permission two instance happened two di fferent quicken representative show training pressuring representative act illegally bad faith without consequence mark credit report removed quicken punished poor practice

needing move apartment due bad maintenance went apartment close live get credit pulled discussion learned able get apartment due amount mine need item removed soon possible please

account added created unbeknownst notice concern hold accountable accuse complicity exercise malevolent hereby mark likely one might one day view civil discord would plaintiff yet declare unjust claim met deliberate determined resistance counteraction clarity claim debt collection insufficient collection much le reporting must delete unjust injurious allegation significantly deficient requisite certified reporting compliance perfect metro format reporting testimonial evidence physically verifiable proof validation related full truth accuracy completeness timeliness ownership identity true debtor date balance audit calculation source code creditor collection code statement associated trailing fragment minimal five portioned personal identifier pay status required confirmation collection elsewise standard mandatory proper reporting mentioned although checking addressing missing deficient aspect reporting compliance contesting debt compliant nature make aware since unlawful reporting transition collection equally complaint circumstance still yet validated document fact compliance requisite standard announced yet legally knowledge validity alleged claim delinquency derogatory nature certifiably compliant matter either collection attempt reporting despite previous consumer filed composed complaint checking might known especially shall elect take matter civil court debt derogatory claim must pursued particularly collection defined precisely compliant physically verifiable certifiable manner detailed requisite obeyed federal state collection reporting regulation associated noted said claim include limited fcba fcra hipaa privacy rule facta fdcpa tcpa etc additionally entity act collector also elect act reporting party consumer credit must well adhere every single one even regulatory reporting requisite standard reporting legal standing full accordance law accepted reporting standard date plaintiff failed demonstrate capacity willingness validate alleged debt much le certify fair accurate complete compliant reporting claim particularly significantly deficient display certified metro compliance given fact recent breach information collection repository hesitating readily accept presented without testimonial certified physically verifiable document evidence claim legitimate deny nothing yet reserve right question unproven claim accept statement claim plaintiff call court reject claim untrue unverified incomplete compliant otherwise invalid thereby dischargeable requirement dismissed full demand said court resolution today even full accord regulatory statute mentioned date received knowledge ever entering contractual relationship plaintiff forward civil complaint entity y allegedly issued defaulted line credit accusation similar despite repeated call accuser demonstrate requisite presented physically verifiable document proof adequately acquired permissible purpose exactly individual irrefutably identified acknowledgement relationship party mentioned form knowledge ever knowingly acknowledging even unknowingly owe proven compliantly reported debt much le claim unproven debt alleged written declaration checking validity claim also document proof certifiable testimony factual complete compliance standard law even mandatory metro format compliance obvious allegation filed accuser plaintiff clear subterfuge act willful disregard ethical practice done ignorance requisite ethical regulatory compliant behavior accusation collection effort credit reporting claim vile nature derelict unjustly injurious unlawful doubt call dismissal plaintiff statement claim discharge misreported delinquency derogatory behavior accuser complaint undeniably unfairly lodged versus knowledge ever receiving proven document fact statement account account aspect item alleged debt delinquent action reiterate called accuser present document certifiably true correct complete adequately compliant documentation full validation claim right collect alleged claim right report alleged claim let true compliance regulatory requisite mandatory optional plaintiff claim mute legal standing full accordance law must dismissed knowledge ever entering open account plaintiff entity y allegedly issued defaulted line credit derogatory claim credit fact claim even submitted adequate compliant proof genesis relationship inability prove application permissible purpose said alleged application agreement contract describing relationship related alleged claim account debt otherwise derelict documentation claim inherently make invalid plaintiff whole statement claim summons complaint request court resolve adequately compliantly required immediate eradication complaint charge rectification injurious collection reporting practice compliance appropriate collection practice equally compliance appropriate complete reporting practice mandatory optional stand proven otherwise complaining plaintiff unjustly unethically likely illegally absolute deficiency requisite legal standing full accordance applicable law mentioned collection practice well reporting practice particularly inability unwillingness timely fully certify physically verifiable document proof full validity debt claim compliance reporting even mandatory metro format declare right preference stand claim plaintiff call authority integrity ensure truth claim correctness claim completeness claim ownership responsibility debt delinquency debt alleged noted claim perfect compliance collection action related claim compliance reporting action related claim

looking credit report applaled cant believe guy able put fraudulent account credit account credit report belong fraudulent account belogn please investigate remove fraudulent account credit

issue american express card tried make payment card deputed charge kept reappearing account since charge would disputed credited back account charge would added back account merchant spoke american express representative said sure amount needed pay disputed charge account call back couple day account adjusted therefore make payment also time representative inform american express longer deferred payment plan new payment plan still experiencing hardship due coronavirus could enroll also affect coronavirus due loss told new payment plan enroll avoid negative credit reporting american express straightening credit card account deputed charge payment made account american express reported account day late credit file could avoided told enrolling payment plan program offered affected virus always good standing american express card kept charged vendor located received item received took month receive item affected virus know also kept charged another vendor american express put block account merchant asked american express removed late credit file told needed contact credit reporting agency american express need remove notice credit file representative american express longer deferred payment new payment program help affected virus day late credit file could avoided told new payment plan american express card already reported american express card late credit bureau already affected tremendously impacted virus credit need impacted also could avoided

owe debt included bankruptcy already discharged attached find copy bankruptcy discharge letter

bank america edd debit card closed card right middle transferring fund account affiliated bank bofa assume want transfer fund loss interest know excuse charged ground edd still depositing unemployment benefit account access called number back card gave correct answer security question told call back talk someone fraud department gave number said call number would transfer closed right called numerous time transfer go right back customer service ring numerous point dont think fraud department speak game close account since edd right transfer fund close within second even say fraud irs took lien account last month took account problem fraud obviously clear fraud mean verify irs week ago get print account blocked use card open account even since changed pin number edd security questioins answer old one change thought would indicate fraud account fraud going bank america edd retired correctional officer prisoner le crime one bank america getting away still new card card presence still closed nothing getting done done help please

purchased money order chase bank make child support payment asked teller money order asked insert bank card reader enter pin point could see account open paid money order debit charge debited account day wealthy keep close eye finance also running small business account keep account every penny spent luck would misplaced money order filled child support agency stamped envelope immediately called chase report directed branch purchased note get new one went branch az bought money order approached teller window told story looked money order said processing looked concerned moment said could find money order bought said saw previous month receipt time called emailed branch manager told money order exist looked account gone later found receipt story changed showed receipt photocopy actual money order later good samaritan found stamped envelope mailed child support arrived cashed imagine money order exist cashed chase bank proceeded tell money originally debited someone else account going recover fund account money order magically vanished found never paid sure enough recap bought money order saw money taken account lost made branch receipt told money order never existed personal record match bank suddenly emailed receipt bank new story record everything point hole story return call email repeatedly asked write email detailed explanation happened evidence claim refuse communicate

disputed late payment account listed reporting inaccurately please make correct adjustment account listed causing harm report

refinanced mortgage another instituation loan paid process escrow original lender refunded identified due loan closeout statement bok mortgage amount checked online account loan showed closed le week later showed amount refunded system contact informaiton confirmed correct check mailed month receiving check called company complained told wait another day receive check refused requsted check issued stop payment new check issued immediately agreed stated would mailed received within day receiving payment within day called told original check issued stop payment new check issued bank continues hold money earn interest etc appears actively aiming delay issuing refund long possible demanded check issued ensure receipt told would take another day print check could confirm refund would issued would receive clear aware cfpb regulation governs timely distribution escrow refund immediately need resolved received call supervisor hour returned call reach voicemail today placed second request general customer service manager call resolve issue check issued received call back please help significant amount money important needed support family pandemic le another example major financial institution demonstrating another number important hope cfpb assist

information listed accurate

charge az supposedly purchased chip called fraud service immediately received new card began resolution process charged back charge account stating fraud called customer service said needed submit documentation would tell type documentation found receipt doctor appointment california live day one charge faxed information u bank called follow said needed talk fraud specialist would call within hour heard week also stated fraud chip card duplicated

fraudulent inquiry authorize run credit want provide proof sign document stating approve

complaint focus citi first item placed card mini projector spillover information dispute may concern visited nevada last day going stopped electronics stand called source electronics two casino traveling visit man named convinced buy mini projector showed listed later released sold therefore according could put price wanted conversation prof attached many communication credit card company actually rebranded projector along portable bluetooth speaker charged buy comparable unit depending feature quality want transaction done credit card technically complaint one xxxxvisa one citi mini projector put citi card dispute handled mastercard citi bank number one craziest decision receipt provided citi bank proof agreed pay amount even amount amount dispute see look attachment citi bank dispute see receipt sent merchant different total v transaction number different time day different claim sold platinum package implies bought platinum package case receipt mini projector alone put platinum package well solar wireless charger charger wireless must plug stuff claimed capacity prove hold go extensively document referenced knowing mastercard still sided merchant able produce obviously fraudulent receipt even people talked afterward customer service center agreed said mastercard make decision nothing change unless take action list event happened talked citi initially file dispute son looked bought told ripped citi wanted send copy itemized receipt realized never got one receipt gave total amount charged signature nothing else first went getting itemized receipt merchant receive anything month half later point got letter citi bank itemized proof owed money said obviously receipt total amount different time day different transaction id different investigator would know valid receipt somehow accepted new legal record talked issue stating must mistake obviously fraudulent receipt sent citi bank told would investigate claim provisional hold placed card talked stated actually approved winning dispute last submission sent regular usps mail blank page needed resubmit last filing get credit applied account promptly requested waited letter printed last communication formally citi bank letter sending month stated made every effort resolve dispute merchant bank successful unfortunately merchant willing issue credit account longer additional recourse pursue credit dispute process need seek mean resolve matter investigation remains closed reason filed never got original paperwork citi bank made determination recently citi bank case received paperwork dated back received within last day claim credit given merchant claim never requested credit contact within business day see completely false provided record text message interaction salesperson first name cell phone number asking way return item within day arriving home sure else include citi bank need information please feel free contact time attach text message record self pdf container also end citi bank dispute show citi bank fact asked refund within day followed merchant arbitrary rule last letter citi bank state complaint cardholder seen attachment citi bank final merchant reason code credit processed merchant accept returned merchandise cancellation service fail issue credit disclosed point interaction yes one date cardmember cancel merchant disclose cancellation policy cardmember cardholder cancel contract timeshare similar provision service within calendar day signing contract documentation cardholder support claim cm satisfied item item really complete lie gave page reason dissatisfied quite literally ripped response merchant may concern credit due customer supplied merchandise never requested refund please let customer contact u question concern something contacting credit card company anyway said one headphone arrived broken anyway contacted told would pay return shipping shipping new item son really started consider company fraudulent extract money every turn possible dont know seem mastercard visa blessing people luckily large loss pride could adsorb hopefully temporary hit finance sure done hundred thousand customer see document entitled son went chat asked mini projector whether actually backed price price could set third party seller whatever wanted according representative long item deemed essential item hand sanitizer price checking ongoing consumer evaluated whether item actually worth sent transcript never heard anything back shut access store selling item started brand new store called pricing scheme obviously people running information would thought would enough get credit card company reverse transaction would even offered send stuff back try resell people never good enough passing many consumer protection agency law enforcement agency think listen complaint least sent consumer protection bureau fbi ftc sec find anymore expect agency actually job look evidence side merchant signed slip paper didnt agree defrauded slip paper meaningless evidence provided letter attached citi bank final response last letter got mail may last time contact phone however thing stand active investigation either account according owe money charged please help fight money hire lawyer fight directly thank

cdt called transunion llc got outsourced responder another country got transferred usa got phone said needed done file could get online access credit report weekly basis offered following statement accessing credit report important part managing credit health outbreak transunion pleased offer youfree weekly credit report onlinethrough part commitment supporting american difficult time allegedly immediately initiated update take five business day complete said also said copy full credit report sent via mail arrive day call lasted minute second got letter mail transunion llc instead letter contained disclosure request form demanding send transunion llc written proof social security number ssn order sent full file disclosure personal credit report following day called transunion llc getting following response tried gain access transunion llc credit report online unable complete request online time please note error detail call transunion support team additional assistance immediately made call number got female voice named phone told yet unsuccessful gaining online access credit file asked personal identifying information name dob ssn told error message yet showing system would addressed consumer relation department supervisor asked transfer someone usa responded unable transfer consumer relation agent transunion llc usa purpose request due pandemic lot company letting employee work home call somehow routed computer call quality poor call breaking dropping altogether add poorly spoken english part transunion llc agent mix result usually double dose disaster put phone supervisor tell name point proven also unable transfer call transunion llc agent usa asked allow transfer call consumer relation department reached consumer relation tell merge multiple file showed work computer possibly clear pathway online access transunion llc credit report weekly basis asked would better explained consumer relation people nature error message obviously question bode well especially since added comment another male answer transfer ask ssn hang phone toward end minute second call transunion llc sounded trying transfer call telephone transfer got fouled dropped know exact nature problem encountered transunion llc address particular software failure software design used computer however simply running poor english speaking poor quality computer phone system inadequately trained confrontational person transunion llc whenever telephone transunion llc agent calling social security number ssn effectively vanishing continuing classic case sabotage progress perhaps received written request transunion llc via mail dated proof social security speaking phone allegedly transunion llc impression sent full credit report addition online access credit report granted weekly basis got neither

note reply case data furnisher verified name social security number address regard ownership account two credit agency need review verification information incorrect noted never provided data furnisher name social security number address regard entry data provider obtained social security provided verified information obtained illegally concerning would constitute fraud thank informing file separate complaint cfbc alarming however investigation provide result requested per section never detailed information provided credit company looking report information accurate never provided personal detail regarding s etc collection agency personally identifiable information provided would breach confidentiality per information provided disputing accuracy verification therefor requesting credit consumer agency remove collection debt credit report immediately amount authorized attached documentation company signed authorized signature listed someone else

received confirmation certified testimony office complied fcra mandated rule come reporting accurately therefore present certificate testimony fraudulent inquiry present exhibit c fact compliant subterfuge copied item listed exhibit b fraudulent invalid inaccurate timely carry documented evidence least authenticated per requirement damaging character creditworthiness falsely stating fraudulent unverifiable inquiry report copied

need help issue credit file name late payment happened covid shutdown one mortgage working requested deferment mortgage payment date income affected due pandemic shut middle moving alate mark preventing moving buy new property shut care act call agreement accommodation would like late payment removed also unverified account never contract dealing

today received call commity bank call get payment card use card often habit forgetting make payment receive call time working hour able deal payment acknowledge fault late payment feel penalized actually thought whole point interest today decided needed stop putting get card paid went online make payment thinking could get rid balance knew amount used card small shocked saw outstanding balance looked statement section website see world going made purchase card one total two purchase came interest rate recorded statement believe continues rate made payment another payment totaling towards balance balance forgetting card rarely ever use interest late fee added current balance minus payment principal would bring balance leaving payment interest late fee minus principal balance get amount interest current principal made payment scheduled release account also called company wanted negotiate fee fight demean intelligence ultimately upon speaking supervisor got late fee waived stupid one late fee policy company covered mess could help think regulation first interest enough enough finance company allow outrageously high interest rate continue accrue credit limit card late fee represents additional interest available balance even amount used case additional balance true interest charge balance monthly law even late fee first place whole point credit card buy something money pay time lender become filthy rich interest late fee interest rate finance company want charge ca regulation use back door get playing cat mouse game consumer mind getting little trouble neglected card deserve like dealing loan shark would also like point statement finance company conveniently show balance split late fee principal late fee become part balance new late fee added interest charged accrued late fee higher principal allowable mean wow questioned commetity bank insisted perfectly legal something girl tried reason high integrity company would run risk something crooked handed ha poor girl know world life legal department fallen job protecting consumer personal opinion oversight another manipulating tactic bank increase money squeeze people use service writing complaint concede outrageous deserve accrued interest balance dispute wrong allowing get hand honestly like making stupid mistake dealing shyster opening wallet take cash like taking advantage baby know lost blankie late point pay fee outstanding balance late fee credit report recourse learn lesson throw card run every try talk would like would audit company others like agree probably legal make right find extorting public late fee would like bring kind balance federal government put dollar system given guaranteed loan prop credit market tax payer hook capital liquidfied bank credit card company u interest fee expect u bail continual mismanagement money know number small percentage say need said experience others well concede way beyond cost money even credit card company

submitted previous complaint discrepancy issue credit score drop found discrepancy update made see credit card closed date changed please see attachment caused decrease score caused lose home reason card closure date please reference complaint

attn collection dept submitting complaint reference company knowingly reporting inaccurate data credit profile affected penalty preventing creditworthiness due company demand proof purchasing agreement valid proof alleged debt reporting without valid proper disclosure requirement direct violation consumer right legally requested description detail verification process used verify alleged account federal law requires respond thirty day failure comply federal regulation ftc et esq maintaining careful record communication company thank look forward resolving expeditiously

experienced identity fraud past made countless attempt prove thing acquired thought thing corrected however reviewed credit report see thing thought away found way credit history believed impossible recently inquired car denied hired attorney educate consult matter know identity yet used time time get whatever fraud wanted disposal mind boggling understand creditor identity verification process prevent fraudulent activity need item removed simply consent false item inquire

name tried creating venmo account first time told already account associated phone number sent email got return email stating needed send id phone statement got response stating issue able open account result fraud never venmo account life bank account social security number credit card compromised history belong

sent document ie police report identity theft report experian occasion regarding chapter filed showing experian filed fraudulent show dismissed one month spoken court advised didnt verify information taken website pblic record told report information also show complained almost whole year getting credit social experian first told received information lexis nexis reported immediately advised chapter report experian reporting contacted experian time said received bankruptcy also stated false report spoken anyone confirm accuracy please get removed experian report causing difficulty personal living arrangement child filed never processed due payment dealing year credit stressful causing problem

per ftc sec credit agency validating credit account simply verifying information

hi im little confused late payment reporting credit report basically requesting investigation authorization fair credit reporting act ability consumer dispute information directly furnisher sure happened believe made payment received statement thought monthly statement get payment applied fast expected check bank account noticed deducted money checking account month marked late credit report disputing late payment reported three credit bureau basis dispute account always paid timely manner month question reported late

ive contacted credit bureau regard account settled agreed delete deleted im attaching check front back agreement pay delete account settled still reporting collection

made numerous complaint cffb last year fallen deaf ear still know write convince something help others may affected mortgage company complaint started ocwen mortgage service sold given phh mortgage service still trying foreclose condo last year went court judge thing tired dealing nothing actually happened case without jury ocwen added numerous fake charge mortgage initially balance approx loaded additional fee totaling going court settled condo sale phh taken claim owe sell condo asking price approx left need least payment order get another loan utterly ruined credit please refer complaint bring date need help yesterday last year year get idea year old started xxxxyrs old want live like rest life please help believe extorting money order foreclose

sent letter regarding inaccurate unknown thing credit report day day later received response yet feel like im taken advantage ignored dispute section plainly stated failure investigate item within day give reason immediately remove item credit report day deleted promptly demand account deleted immediately file litigation due stress caused information also impacted data breach may got hand wrong person

per first complaint regarding exact issue informed back email attached could access account via website mobile app also informed called telephone agent could authenticate alleged answer security question incorrect responded email letter attached giving customer service number called make payment saying needed call update address see cyclical request know account reported closed late avenue make payment aside mailing closed would first time agent number alleged could authenticate mainly communicate bank via email call main customer service number routed outside usa never luck getting account information number mail payment yet receive final statement bank received receipt mailed payment mobile app website access revoked reported yet another late payment bureau refused access even view owe breakdown charge make payment account refused statement date complaint yet receive final statement confirmation mailed payment mailed money order payment first week month guessing minimum due appears reporting missed payment credit report despite aforementioned revoking online account access refusing access final statement

sent letter regarding inaccurate unknown information credit report day received response feel like taking advantage ignored regarding dispute section state failure investigate item within day give reason immediately remove item credit report well day mean deleted immediately deleted credit report file litigation due stress caused information also impacted equifax data breach may got hand someone else