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missed payment showing student loan accurate forbearance attending school time liable take payment need item removed immediately company researching anything help issue

received notice debt psc regarding medical service provided shocked see collection notice never received normal bill prior disputed charge online service routed main credit bureau dispute never heard response psc finally sent certified letter requesting correction charge doctor saw minute bed temporarily hallway hospital busy visit even medical provider spent quarter half hour excessive surprise response statement account acceptable response psc billing practice excessive abusive adjust bill accordingly even decency explain variance would happy resolve matter attempt collect excessive charge actual across state line insurance carrier constitutes insurance fraud practice investigated puget sound collection violation fdcpa section providing statement account instead answer excessive billing practice response dispute puget sound collection also violation fdcpa section subsection b improperly attempting validate debt directly addressing erroneous excessive billing amount puget sound failed respond within day period stated fdcpa section subsection please see attachment confirming dispute letter sent response day later fdcpa allow consumer recover per violation

discover closed account since even one derogatory remark credit limit called company claimed closed due inactivity even though explained use make large purchase even year since last time used explain would apply lose credit history since unfair would without even notifying first credit score dropped due credit utilization increasing losing credit line

told lendmark numerous occasion live west coast continue call inappropriate time lived year continue issue paid loan entire time

mailed via certified mail several document ewuifax dispute included document copy driver license dispute regarding fraudulent bankruptcy reporting credit report never filed filed tennessee bankruptcy court filing date current report show list bankruptcy file yet told recent credit report equifax stating bankruptcy verified accurate also received recent letter equifax stating document received however indentifying document regarding identity disposed document submitted date letter equifax

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 collection account acct opened balance account acct opened balance account

recently sent letter day ago credit bureau disregarding regular consumer dispute stressed sending letter still received response today reaching bureau time also filing complaint guy since got correspondence back hopefully help get matter control blocking opportunity want everything thats error corrected greatly appreciate help matter inquiry account denal health department credit card utility bill never etc go attach dispute letter sent back

contacted professional credit account reported credit alleged debt since record recollection place requested itemized statement sort detail anything would show called update occasion told update would still wait heard back client documentation proof debt provided account assigned collection

consumer protection bureau complaint citibank credit card called transferred phone number stated call recorded issue four year ago missed payment citibank one month later contacted phone due stated would penalty paid balance phone full time citibank wrong email address u said corrected talked u issue recently applied mortgage late payment filed citibank damaged credit score late payment made seven year citibank oversight partially opening cit bank confusion bill paying applied good adjustment citibank response legally cant change credit bureau youre late youre late would adjustment address good adjustment request called asked treated fairly good adjustment policy asked policy stated good adjustment policy asked ever make good adjustment account said yes make good adjustment account case case basis depending reason review asked qualifying reason stated depends based size account make adjustment look reason depending valuable account understand citibank business youre going treated better bank make money account may receive concierge service legally damage people based amount money make citibank gross discrimination everyone fair shot good adjustment based much money citibank make would ask consider demanding citibanks good policy formalized allowed used discriminatory fashion based solely size account called said filed complaint consumer protection bureau good faith effort resolve complaint

agreed receive service based amount told would responsible month service rendered informed office manager insurance cover estimated service received pay initially told disputed charge office manager well debt collecting agency however action taken either party furthermore recently received notice judgement debtor letter job regarding order garnish aware judgement let alone garnishment one week first garnished check date name regarding story date service verbal agreement cost service insurance payment actual cost service plus total see attached document detail estimated insurance coverage service plus total see attached document detail actual insurance coverage plus total see attached document detail name business service received date initial attempt xxxxl collect alleged debt approximately date initial dispute regarding alleged debt approximately name debt collection agency account sold national account system na date initial dispute na date second dispute current debt collector date judgement brought attention date garnishment started amount allegedly owed plus attorney fee court cost total amount subject garnished biweekly earnings believe two major violation consumer right according attached document clearly list estimate insurance would cover based would pay pocket case payment however insurance cover estimated billed remainder amount course disputed charge agree pay anything payment word would never received service knew pocket cost would unlawful collect owed appalled exception rule na debt collecting company made aware unfair practice however attempt refrain collecting alleged debt section fdcpa violation collect amount unless amount expressly authorized agreement creating debt writing clear breakdown much service rendered would cost insurance company well person receiving service enough determine debt owed collected ethical moral thing cease attempt collect debt far made aware legal duty attorney na process learning civil right resident nebraska stay top unlawful matter concerning case tackle one time hopefully help state attorney

home equity line credit transferred select portfolio servicing first statement select portfolio dated ever receive statement mid payment requested higher payment last nine year made six call select servicing regarding issue avail today informed working issue mortgage business fully aware guideline regarding loan transfer servicing mean able report delinquent value credit want error tarnish loss hope help thank

specialist id think ever received worse service customer service company entire year life approved forbearance due waiting day response move payment end loan making payment getting several conflicting answer put back forbearance loan erroneously illegally direct violation care act reported company credit bureau delinquent point must conclude unfathomable incompetence part gross negligence intent defraud customer

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

purchased house credit report ran previous date credit card sitting higher balance side due purchasing home buying thing get home lease balance tad bit high within credit limit citibank terminates card prior today reason defined revolving balance near credit limit absolutely absurd credit limit reason limit exceeding near limit completely discriminatory company approved credit limit cancelling balance decide cascade information leverage poor fair credit reporting act legality absurd policy appropriate horrible experience considering card citi one near credit limit two fine revolving credit generally low low credit limit purposely

opened acct name attempted get equipment never set properly installer supposed come back pick equipment never discovered acct still set fraudulently signed contract signed contacted one collection agency returned disputed acct fraud second collection agency added acct collection violating fair debt collection act written several letter dispute credit bureau refuse remove account credit account fraud written sent multiple collection agency name signed contract notified collection agency violating consumer creditor original creditor acct written sold collection agency account almost year half ago bypassed allotted time frame add credit report original creditor received amount back tax return loss attempting triple debt since collection agency attempted collect debt fraud account state liable simply name signed alleged contract refused investigate offered proof signature

portfolio recovery associate harassing debt mine explained numerous time call made debt mine signed contract original creditor whoever may verifying legitimacy debt information regarding payment may made account question proving made payment debt failed provide relevant information proving dept mine signed contract proof payment made made signature anything ruining credit score would like false debt claim removed credit history immediately debt removed file proper legal action discontinue harassment negative impact credit

experian escalation department credit repair company contacted following company reporting credit file according communication noted experian regarding item abundance caution accordance fair credit reporting act request following procedure case disputed accuracy paragraph b iii 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 credit repair company clearly requesting method verification used contact furnishers specific name number please include extension applicable person contacted employee looking computer screen matching name listed database verification validation alleged debt previous request honored following item verified please delete credit file hoping clear lack meaningful response seems obstructionist tactic account never late mine never late experian able verify item agency administrative enforcement enforcement federal trade commission penalty knowing violation except otherwise provided subtitle b consumer financial protection act event knowing violation constitutes pattern practice violation title federal trade commission may commence civil action recover civil penalty district court united state person violates title action person shall liable civil penalty per violation identification already file please notice internal report number please send complete updated copy credit report additionally place fraud alert promotional block etc file without expressed permission

credit rating three company continuously show delinquent charge even mortgage company formally submitted mortgage condemnation irs three credit reporting company updated credit rating since even shown proof claim fraudulent claim mortgage company repeatedly denied wrong tell repair credit rating tried produce result mortgage question illegal mortgage begin house need condemned built national local building code incorrect reporting slandering reputation creditability credit rating daily basis link evidence http

month since month tried get stimulas bank card chase sent po box personal address well someone illegally seized stimulas benefit bank card without telling taking advantage delay would like know bank card illegally seized read debt collection practice seize bank card covid pandemic also gone bank chase multiple location turned old bank card well person bank teller thinking please get back phone number

lexisnexis reporting long time accident driving record every time try get auto insurance accident come called lexisnexis many time explain accident mine confusing father father name name car dad accident car im driving every time try get insurance accident come please help fix misunderstanding thank much help

credit card credit one failed report major credit bureau paid month year paying two credit one card take money fail report experian updated since

made purchase applied apple card due discount opened account gave apple store clerk billing information including email address wanted receive statement apple store us goldman sachs bank apple card intent pay card first billing cycle avoid interest never received statement notified negative entry credit report monitoring service goldman sachs bank overdue payment never received statement calling bank representative spoke stated statement go electronically explained never received electronic statement would like know sent representative stated could give information asked address send complaint regarding receiving statement given goldman card middle current pandemic sent certified letter goldman sachs explaining situation requested mailed copy statement well provided email address telephone number someone could get back discus issue also requested paper bill point forward receiving electronic bill well redaction delinquency credit report although received paper statement still received paper monthly statement saw email account email address provided apple store representative application statement stated owed sent certified letter full amount owed stating payment full close account posted account also included letter correspondence account writing gave address telephone number nothing ever received company made inquiry found account never closed still accruing interest called spoke representative told cancelled account done phone stated sent certified letter instruction repeated account closed phone order close account pay additional interest statement never received find appalling company hope complaint rectified interest charge paid refunded bank sending information requested order payoff close account

loan fradulent day one purchased car previously wrecked unreported time sale resold vehicle repoed another consumer mechanical issue previous wreck also amount financed beginning changed sale higher amount offered lower balance kept experiencing mechanical issue alignment transmission issue transmission eventually went company agreed settlement offer due fact car unoperable time voluntary giving back usauto credit made month payment sold car financed make company fraud balloon insurance purchased initial financing case engine transmission major mechanical issue malfunction u auto credit would honor contract pay portion fee restore transmission u auto credit forfeited contract make another sale new blinded consumer prevent cost helping repair transmission reselling vehicle making third fourth sale new consumer addition reported different balance contradictory family member credit card receipt payment made totaling excess payment made account requested turn car back due tracker installed vehicle u auto credit took advantage situation altered balance reporting untruth credit bureau another denied rental property result usauto repair scam repeated repossession new consumer mechanical issue family member made u auto credit using credit card willing take court fraudulent including payment made balance reported account number sold vehicle date sold number auction however reporting credit bureau also im reporting every social medium willing go public including linked supposed fix transmission included balloon insurance purchased repair decided fix sell charge ridiculous price expense family well

purchased two hard drive merchant two item arrived significantly different described specifically two hard drive actually hard drive hard drive tried work merchant refused accept return notified citi bank filed dispute citi horrible lack communication numerous time reach check status received notice additional information needed called citi asked told letter account asked never posted account sent screen shot showing get request additional information today logged account notice inquiry denied called dispute department requested right invoke arbitration citi criminal victimized merchant cheated major corporation even follow policy said never returned item yet told letter call said merchant refused accept return even asked citi writing wanted item could look month citi bank violated policy account term condition failing keep date status dispute stating needed additional information never asking information based said appears never even read material reviewed screenshots sent sent yet told received letter attach letter part dispute law requires credit card company help account holder ensure warranty merchantability exists company conduct fair neutral investigation complaint citi failed provide even basic duty bank headquartered united state provide

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 open account card acct opened balance account card acct opened balance account

paid insurance payment escrow flagstar bank flagstart failed renew insurance notify soon received notice purchased insurance flagstar claiming insurance charging premium obtain insurance insurance till giving credit time reason insurance due fact flagstar renew insurance even though supposed since making payment escrow contacted previous current insurer neither write policy past period flagstar asking something even possible fault begin

starting thru social security deposit account name discovered fund missing telephoned went social security office went bank america numerous occasion try resolve alert put onto checking account social security account difficult get information happened fraud department bank would talk bank manager account though criminal people check also stolen account closed nothing said get money back filed police report sheriff department detective able locate georgia georgia police uncooperative helping apprehend detective also filed report office inspector security long time since started loss next try resolve almost two year since started felt filing complaint bank would next best step

received letter honda financial regarding disputed past due payment confirmed hf sent report letter attached clearly state hf removing past due account updating paid agreed cleared delinquency supplied aud confirmation number well aud phone reference speaking credit bureau received information account credit report updated showed discrepancy account credit score jumped point proceeded apply mortgage refinance found ran credit report reporting low score advised contact regarding discrepancy still reported called referenced aud would confirm aud would answer question regarding adjustment honda financial send information clear record went hour going back forth hf blaming needed order adjust credit cellphone record call totalling hour wasted today provided aud agent honda financial told created yesterday multiple conversation confirmed sent today agent informed reference number called spoke agent would accept confirm deny aud continued direct contact honda financial send update remove discrepancy account know believe telling even accurate simply caught middle feeling helpless find resolve either company still held back company able take advantage low mortgage interest rate removing financial strain debt horrible pandemic failing economy please help

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 identity theft affidavit please delete item soon possible

company saying debt knowledge according fcra section required federal law physical verification original signed consumer contract account post credit report

letter formal complaint reporting inaccurate incomplete credit information credit report creditor late date creditor late date late date date reason investigation mine please delete information understand mistake happen inaccurate information costing money higher interest rate enough expense please investigate following information either remove least send information used add report

national credit adjuster added account showing delinquent never contracted business receipt request behalf please cease desist following please supply information fully informed think owe debt owe including name address creditor debt currently owed account number used creditor amount owed debt started different creditor provide name address original creditor account number used creditor amount owed creditor time transferred identify original creditor please provide name might know different official name addition tell current creditor obtained debt current creditor obtained provide verification documentation valid basis claiming required pay debt current creditor example provide copy written agreement created original requirement pay asking pay debt somebody else required pay identify person provide verification documentation debt required pay amount age debt including copy last billing statement sent original creditor state amount debt obtained additional interest fee charge added since last billing statement original creditor provide itemization showing date amount added amount addition explain added interest fee charge expressly authorized agreement creating debt permitted law payment reduction since last billing statement original creditor provide itemization showing date amount change adjustment since last billing statement original creditor please provide full verification documentation amount trying collect explain amount calculated addition explain change adjustment expressly authorized agreement creating debt permitted law tell creditor claim debt became due became delinquent identify date last payment made account made determination debt within statute limitation applicable tell think statute limitation expires debt determined detail authority collect debt would like information firm discus debt firm debt collection license state say provide date license name license license number name address telephone number state agency issuing license contacting place outside state firm debt collection license place provide date license name license license number name address telephone number state agency issuing license asked information question need hear make informed decision claim owe money open communicating purpose order make sure put disadvantage please remove entry research validation completed idea national credit adjuster fourth company try valid debt original creditor three time proven valid ruled favor

received unemployment retro money purchased prepaid cc american express employment division state nevada verified id third party company employment division released fund american express pre paid card withdrew cash atm transaction pay past due bill also point sale transaction atm amount amount cleared point sale transaction atm transaction declined called american express inquire declined told exceeded cash withdrawal confused reason withdrawn declined told time could get cash following day amount going told transaction online attempted told information would go thought using computer could problem went home tried process computer would go either next day attempted withdraw money declined called american express informed account locked fund sent back unemployment checked employment division know nothing american express saying confirmed money mine unemployment division told early american express employee needed call told account protection service answered call center employee told thing yesterday account locked sent fund back came could tell fund came told write letter address one could reached phone told would explained write letter give money put card wanted know account locked could tell said sent back sender nothing could choice matter put hold someone came back line requested supervisor took minute get supervisor phone told supervisor wanted money back wanted know account locked told exact thing previous employee american express said write letter bogus address account permanently locked know account locked could pull account locked said sure document account repeat next person spoke told would sure cant log account unless pull account asked speak supervisor told would going get manager phone waiting speak manager hour minute response come attention without doubt american express stolen intention returning ever need help get money back give valid reason stealing money continue lie every turn hung supervisor came back line told manager another call would shortly please intervene matter wit end stress causing uncalled unhealthy reason theft money

hello really appreciate help matter identity stolen time great trying file dispute another identity mine time try connect experian via call web portal via online met message appreciate patience resolve issue please try later problem persists please contact team problem persists may want wait least one hour trying via phone met infinite call wait time system clear dispute resolution number number select experian try initiate dispute online told call call met another automated voice system dispute option number select dispute issue ca even initiate dispute experian fraud collection identity stolen killing credit score thanks

medical debt appeared credit report idea pertaining contacted agency advised incorrect address file since receive bill notification reporting would removed payment plan could set account still reported causing tremendous decrease score im willing settle pay full arrangement promise credit report deletion

notified transunion victim identity theft

sent three dispute letter creditor never sent back documentation asked regarding account appear credit report

former customer formerly consecutive year used service various home year without incident moved fl followed routine process return equipment tally account transitioning new home moved fl fl decided change provider continue service new began service date terminated contract additional month additional fee equipment missing transitioned service year old owned lived around country obviously mundane change account routine however billed claiming owed debt disputed debt numerous phone call correspondence explaining debt legitimate assured time initially would resolved instead sent collection harassed various collection agency requesting written notice day dispute claim standard language used disputed claim past year evidence communication incident temporarily resolved satisfaction tremendous effort oversight part begin debt sold tactic changing collection agency resuscitating attempt collect fraudulent debt harassment explanation trying resolve issue reasonable manner requesting assistance exercised due diligence resolving concern since going fourth year experiencing harassment pay fraudulent expense attributed legitimate outstanding credit history always paid debt time exercised good faith certainly lost good barrage incessant harassment towards customer responsibly paid every bill numerous year attempted resolve concern thank working look forward hearing regard

account listed credit report long

transunion report account stuck past due status paid full day past due still stuck day past due status updated paid agreed look transunion show account account delinquent day past due hurting credit score show currently delinquent

back submitted complain capital one negative hit credit due missed payment know fact logged onto system made payment must system error payment posted see impeccable payment history credit card also auto loan excellent payment history sit well knowing may system error willing reverse negative hit credit report appealing decision asking take consideration payment history reverse inquiry

obtained credit report end saw reported late one time month immediately thought mistake one reason auto pay time informed credit card company situation three letter bank stating help make goodwill adjustment fine fine error one late payment report proceeded send email received phone call representative stating received email determined remove late payment credit bureau asked rep explain investigated autopay fact notified proper investigation stated investigate autopay absurd want late payment removed three credit bureau due error furthermore offer service cardmembers working give late payment time sent many letter credit bureau emailed paper please help

bbva continues harass credit card threatening letter delinquency late payment last month pay card continue lower credit limit claiming delinquency negatively impacting credit continue lower limit balance poorly reflect use credit paying time credit score guideline purposely trying bully certain client feel targeting since brought issue past monthly payment made time via online portal

see ample amount account showing credit report never opened

american express interest payment one month became unemployed month tried take court asking first monthly payment dollar monthly negotiated payment arrangement dollar american express accepted receiving monthly payment reporting credit bureau payed agreed disputed recently american express keep adding past due high amount payment go fair credit reporting consumer law single mother daughter stop abuse report accurately

declining pursue refinance new american funding representative sent email requesting detail chose pursue loan included approximately customer email seeking information wildly inappropriate cavalier way treat customer data concern consumer protection even mistake highlighted another customer customer shared rationale entire group mistake brought light

noticed late payment reported credit bureau chase credit card balance since used card called chase agreed remove charge late payment today still credit report credit score decreased pt

contacted equifax several occasion throughout year regarding credit report reflecting accurate information never proper investigation still information showing victim identity theft told following information reported accurate never account opened fraudulently showing balance information need equifax fix credit report accurate information caused loosing job able find new one

gotten several phone call letter mail even someone court serve home moore law group stating suing day pay owed another company named department store account number called moore law group find amount owed came told respond within day would taken court wage garnish account ever received product good service monies moore law group victim identity theft past may result know stole identity

fraud loan application process online without document verification fraud application personal banker random people street applicant banker maybe know wf banker please see attached letter mail first time get letter please see page signed e name time zone fraud living sc student employee please check page employer xxxxxxxx xxxxxxxx pay wf verify income asset

account information address mine best knowledge enclosed document account number account number account number account number account number account number account number tx apartment complex tx single family tx single family tx single family tx single family tx single family tx single family tx single family xxxxxxxx tx single family tx single family tx apartment complex tx single family tx multifamily tx apartment complex tx single family tx single family tx single family tx multifamily

account mine trying apply home loan came credit report tried explain said investigation still reporting phone service past year phone number past year credit report show account opened know name common huge mistake need removed filing police report police station allows go

account listed appearing credit report ive put several dispute regarding account ask account removed credit report immediately ive filed ftc report ignored account opened without consent please remove correct information credit report immediately u dept inquires inquiry inquiry inquiry tracking detail second set letter send tracking number

loan amex always made payment time see always stellar payment record company tried contacting amex successful resolution definitely error part

noticed several account belong would like removed credit report please see also several hard inquiry mine please delete

dear cfpb checking credit report surprised see account belong recognize account period time visit hospital somebody used personal information please remove incorrect information credit report soon possible belong found account inquiry never never applied requesting remove credit report personal information stolen used enclosed police report dl ssn please investigate remove account credit report refer matter attorney take immediate legal action constant judgment awarded certainly demonstrate court tolerate bullying made lawful request verify report credit file respectfully suggest complete investigation within time period allotted law event able verify report supply name company address company phone number person verified report full complete report method used perform investigation dictated fair credit reporting act 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

entered credit counseling incharge debt began manage credit card account including citi noticed day late notice credit report month called citi corrected time found phone citi turned automatic payment account payment began credit counseling agreemnet without informing previously enrolled automatic payment citi due past problem website able make payment site constantly error prevented logging make payment enrolled autopay avoid issue cancelled without informing due receiving bill given notice bill paid disputed issue citi fix address issue

company contract legal right collect said debt reporting debt violation fcra section section b section b e please provide true certified copy complete audit final forensic internal audit said account furthermore order company validate debt please provide verification audit certification debt entry accordance accordance basel accord convention notice fail provide u copy agreement provide person name communicate consider matter end notify demand unsolicited good service regarded claim unjust enrichment contravention fair trading act unsolicited good service act forwarded solicitor action failure respond within day receipt notice rebut particularity everything document disagree lawful legal binding agreement admission fact everything document true correct legal lawful binding upon court anywhere united state america without protest objection represent silence acquiescence see connally general construction notification legal responsibility first essential due process law also see tweel silence equated fraud legal moral duty speak inquiry left unanswered would intentionally misleading recipient document obligated verify record correct correct record defect found notice agent notice principal notice principal notice agent silence acquiescence

reached via certified mail national credit system national credit system placed collection amount credit file received letter private attorney office attempting collect account three attempt reaching national credit system account still remains credit report still received correspondence national credit system account removed credit report since

repeated call stating collecting debt frankly owe even credit card never gone collection call everyday odd hour

received notification company afni reported balance credit bureau file account five year balance never received letter company discus account

account listed credit report never opened account information used data breach cause company ring bell please remove file

midland funding llc claim owe debt amount midland funding llc via upon research midland funding llc appears company authorized collect money debt state georgia reside violation fair debt collection practice act pursuant fair debt collection practice act section legal claim dont know company also submitted documentation blacked show purchasing multiple account midland funding information simply added different attached document otherwise related one another also within exhibit signature proven agreement stating fact account midland funding llc additionally provided proof agreement midland funding llc clear violation consumer protection act fdcpa action midland funding collect said debt via civil suit letter call harassing aggressive deceitful continuously causing undue stress constant paranoia every time phone ring unfamiliar number stranger come place residence correspondence midland funding llc result taking legal action midland funding llc violation fair debt collection practice act servicemembers civil relief act scra family member seek available damage remedy

following phone number call numerous time per day regarding parent home reale state marketer trying get parent sell home asked place call list hung call persistent harassing manner call hour day

decided get credit pulled due couple bill continued receive mail never heard place therefore suspected identity theft reviewed report caught surprise couple thing never opened life thing listed application mine please remove unknown item report

received email apply loan searching credit card offer needed applied online sent email asking sign document said congratulation sending bank account sent repayment schedule want pay every two week six month total disclose would much long asked date wanted set payment want afford loan predatory get understand realize getting claim bankruptcy said using loan try build credit found today laid real trouble think lender like allowed operate told late rescind want live life going like wo even able pay rent

disputed account reporting negatively inaccurately credit report account displaying false transaction made acccounts liable unaware reporting credit file started monitoring credit frequently please remove disputed account causing serious harm credit file

account report opened without authorization knowledge year ago found recently applying credit card account showing unpaid balance charge offs reason turned always paid bill time totally shocked see account many charge offs much hurting score spoke well fargo several time asking documentation regarding loan never provide last phone call even offered remove amount owed show balance leave charge offs accept

went credible look rate unsecured loan looking rate done site deleted account month later received email stating could offer full amount presented counter offer looked document adverse action notice loan never applied looking rate give permission credible website apply loan behalf looking loan time rate

made several phone call bank listed well credit department due credit card application approved shortly canceled called fraud department inquiry made believe complained inquiry showing credit report since also made several call always tell call next getting positive result especially since know fraud account closed ahouldnt wait inquiry wait limit drop

past several month getting call company representing debt collector old account held household orchard bank defunct record debt also listed credit report past due collection charged etc looked contacted collector told last date activity within yr period account age credit report negative comment due age debt personally longer documentation account although making attempt find fairly certain however account either paid full paid settlement person spoke named despite asking several time license number since debt collector suggested pa attorney general office told amount owed question

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

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 account acct opened balance account

several inquiry credit report authorized noticed recently applied credit card approved prompt check credit report inquiry listed authorized need deleted credit report

applied credit card using website took completed application approved day first time life credit approved score date application followed instruction website unfroze application listing sagestream llc received credit rejection letter dated letter stated rejection based report provided sagestream llc tried contact sagestream llc via telephone unsuccessfully tried obtain credit report via website http able via reference number credit rejection letter sagestream llc requiring enter personal information going believe treated unfairly used secondary source deny credit strong credit history year credit issue believe application approved carry balance current credit card us outstanding balance revenue source would revenue source thank

inquiry done without permission knowledge collection agency inquiry date auto financing company inquiry date date auto financing company inquiry date automobile dealer used inquiry date bank non specific inquiry date automobile dealer used inquiry date auto financing company inquiry date auto financing company inquiry date

applied opened tiaa bank checking account applied promotional bonus offer required qualifying direct deposit least within day account opening successfully fulfilled requirement employer payroll direct deposit posted promotional offer term stated bonus amount would deposited checking account within day account opening date day date account would date past bonus credited account sent tiaa secure message within online banking account inquiring status promotional amount credited tiaa bank took day respond message inform eligible promotion find tiaa bank response unacceptable deceiving customer applied promotion public offer landing page successfully signed completed stated requirement followed via secure message inquire status promotional credited told actually eligible promotion make sense ridiculous bank tell followed previously communicated approving account allowing apply checking account promotional page sign pointed fact indeed properly eligible qualified customer promotion consideration information provided respectfully request tiaa bank rightfully issue promotional amount checking account part offer signed successfully fulfilled requirement

im assuming either didnt receive letter ignoring clearly noted every misleading unverified account understand receive thousand letter day day since received investigation result account unknown inaccurate demand deleted immediately

navient keep giving wife run around providing supporting documentation ibr request rejected request five time time saying indication much income taxable completely false supporting document big bright red text say much taxable completely ridiculous

receiving current copy credit report discovered entry idenitified inquiry qualified deletion report

submitted complaint cfpb experian specifically complaint around experian report item credit report complaint creditor question received response experian additional time needed request response conveniently came day window needed respond cfpb response indicated dispute filed creditor per request also day received notification experian directly stating dispute opened expected completed point request account issue experian code account brought current coding prohibiting approved new home request complaint dispute account disputed multiple time stated rep spoken phone experian detailed complaint issue lie within experian creditor everything read sale like short sale furthermore event li pendens even started would expired one year action taken fact creditor stated started home brought current modification time payment since currently reside property mop code experian reporting lender getting denial running desktop underwriter automated underwriting system ive included snip mortgage reported bureau online research ive also located coding designation foreclosure started reported also research better understand automated underwriting system work ive included link seller guide discussing finding loan officer confirmed snip included attached reasoning getting approval needed please item reported code reported provided original creditor designation assigned experian never completed please read request attached initial complaint

company refuse investigate provide copy original sign consumer contract recent complaint evidence failed investigation response gotten improper use report seek litigation

dear nelnet student loan servicers shocked today reviewed credit report found late payment student loan account disputed account nothing sent legally verify accuracy legitimacy reporting continues report incomplete inaccurate unverifiable information therefore impossible investigated verified accurate hows possible youve reported day late late payment prior like day questionable balance still reporting also student loan servicer sued applying payment consumer account correctly reporting violation right honestly want waste time mine going back forth would like removed credit never late way reporting

disputed account twice already seeing one recording unauthorized account credit report asked provide follow policy procedure furnisher must establish implement reasonable written policy procedure regarding accuracy integrity information relating consumer furnishes consumer reporting agency policy procedure must appropriate nature size complexity scope furnisher activity hasnt provided detail general account info report number date generated account xxxxcalifornia business bureau account account typecollection responsibilityindividual date statuscollection account past due

payed debt full asked company remove account collection told would remove would update show payed need account removed immediately qualify loan house please remove collection also called back told extension would file complaint told file complaint would remove update

told credit accessed via soft inquiry never authorized inquiry credit

thursday attempted hack chase account attempt unsuccessful wife account got locked summary issue received text message asking fraudulent charge responded asked knew charge received call exact number back chase card chase hacker spoofed chase number told chase call bank ever happens since incoming call diverted known issue could control hold thought person told u spoke another chase client phone fraudsters hour day call said wife go chase branch next day get account access back later night wanted freeze account stayed hold hour minute representative got helped u hour disconnected u called number back card chase private client message said closed received text message regarding fraudulent charge please chase helping fraudsters commit fraud disorganized know believe legal liability since know issue yet tell client something know wrong went bed friday wife went branch three people helping manager etc could get access money sent said would get back u nobody ever called saturday called branch still answer told call back monday monday called told nothing could suggested try access account work call number back card still monday wife tried access account instructed failed received number call called number spoke representative told speak loss prevention transferred hold hour line rang said sorry call completed disconnected called chase private client number back card hour later got explained nothing could speak loss prevention transferred u hold hour minute got ringing end phone got message said wait time le minute customer service number originally started hour call disconnected writing complaint day wife access account understand global pandemic going access account largest bank country compromised write turn wife still access account go issue seeing jp morgan chase business perspective say firm bcp thoroughly reviewed regulator working