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company fix problem account number open date drop date account number open date drop date account number open drop date account number opened drop date company contact numerous time past two year hired credit repair organization

american enterprise illegally reinserted account credit report account almost year old reason sent registered letter requesting validation made pursuant fair debt collection practice act fair credit reporting act receiving reply american enterprise decided send second registered letter requesting validation document copy viable evidence bearing signature showing account reported accurately sent copy statement signature mine day

fraudulent account open texas using stolen identity reported fraud fraud department contacted fraud assured fraud account would closed removed credit reporting agency notified requested delinquent account removed also wrote letter trans union supplying affidavit email correspondence substantiate claim transunion investigated dispute notified transunion fraud transunion sent fraud kit request fraud kit disputed account

may concern american express centurion card holder year since never missed payment never late accumulated point several year monday trying buy coffee card denied immediately called american express said payment late late true payment due also monday account manager proceeded use approximately book flight son goto college flight booked son locator issued following day itinerary revoked american express make matter worse flight sold american express notified said due non payment allowed use point accumulated last several year told american express talk underwriting hour min phone underwriting stated put limit american express card amazement today payment still due talking underwriting told asking additional information account told every year past year sent personal tax return american express nothing changed finance time demanded information never year american express american express arbitrarily without type notification reason freeze card working even though limit several year enclosed card bill show balance preset spending limit payment due see enclosed statement american express unlawfully illegally withheld point earned several year holding hostage even though bill due till answer

thank help even nothing happens already feel better someone try help issue transunion fixed rating rating b rating consider low risk lender absolutely correct transunion almost criminal keeping low signed see would change score instead movement despite fact gone consistent thing gotten transunion marketing product people low credit score tried call go metric system see detect flaw also advance ladder manager broken record ot glitch system computer wrong debt aside mortgage revolving available purchase credit card house worth time mortgage low mortgage payment car paid figure saving bank rich paper sound like paper imagine badly hurting american hope someone brings class action control check balance dangerous american economy

two degree overall navient incredibly difficult work despite making clear numerous account manager want repay loan high unmanageable given clear description promissory note many year ago mother cosigned two loan father cosigned one undergraduate graduate degree navient informed several year ago could released yet pursued option suddenly possibility father taken second mortgage mother home settle navient received email late option current journey began still resolution want resolution settle student loan tired receiving call per day payment yet unable get one single person assistance lowering payment rate reduction program helpful navient refused hear person pay per month wish repay debt please help possible point navient refusing answer u regarding settlement told father would approximately informed number able offer time father note call navient first number called discussed settlement asked online research settlement navient said start negotiating owed balance would said bother settling rate gave number get branch next time called spoke gave figure mentioned able get mortgage possible spoke interested making payment end discussing settlement went back forth concerning told interested talking settlement student loan worried making payment number spoke informed settlement offer loan delinquent email daughter received state included loan regardless status said original email speak loan told needed answer accepting loan end day wednesday otherwise would rescind offer stated thought wanted help suggest trying help free navient disgusting suggestion especially asking resolution recorded conversation hoping navient finally decided settlement offer told original email sent specify specific number loan anyone state change said looking original email put hold minute get back phone apologizing aware original email balance would loan would said make sure person denied settlement honor original email around told maybe get second mortgage said call monday definite answer later spoke supervisor department working would send email call tomorrow said settlement offered stated accept would like information proceed completing transaction put hold several minute confirmed original settlement offer however handling stated would call call called asking woman state name insisted daughter social security number order document even called gave ssn hung call called back different woman employee nice saying however stated want get middle going call tomorrow called wanting speak supervisor could give definite answer settlement offer navient proposed willing accept informed could speak loan one informed conversation freely discussed loan also stated going call next day never wanted talk someone would give run around hold long time direct line told vp call going review call today navient accepted answered settlement offer contacted via phone email thank time stay safe sincerely

nca added account showing delinquent never contracted business receipt request behalf 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 nca

good morning 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 debt guilty breech contract trying use collection agency attempt extort amount send dispute letter collection agency choose ignore put credit report unethical illegal

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

victim identity theft two acount bbva compass bank two acounts file police report city police department hire attorney submitted letter regarding california rosental act federal fair debt collection practice act also contacted district attorney office attorney general wrote never got anything stating account closed hired another collector name send letter attorney never got kind response back company closed account submitted document failed report credit bureau record indicates everything still open even though got letter state council already closed last least bbva compass bank submitted paperwork police report affidavit still account closed swim letter close one cancel one left open hired law firm name suing feel fact contact office give information well

messerli kraimer using intimidation tactic insisting paying full amount around debt disputed amount original creditor account dispute regard defective product refused return kept piling finance charge month sent letter sued called explain disputing amount offered settle amount equal value defective product even though use asked letter collection entry deleted credit report status reflecting somewhat positive status sent back stating authority called asking thing sent back messerli kramer stating account longer hand submitted offer messerli kramer mkbillpay portal settlement debt received letter dated arrived residence messerli kramer stating two week respond start discovery file court responded explaining heard back regarding offer settle debt need know authority provide letter stating credit reporting reflected settle debt notified submitted complaint bureau know continue intimidation tactic going perceive full amount stuck kramer good faith offered pay original value product even though defective return positive credit reporting done resolve

loan service company newrez paid property tax escrow account continues ignore inquiry last year paid tax property there excuse paying tax year

student massachusetts attorney general sued allegedly misleading harassing student ceased operation closed location issuing statement attributed closing department education action company response ear received complaint consumer financial protection bureau cfpb regarding account review account confirms paid full account marked closed flagged communication would like thank advance understanding ask feel free contact u question office reached pst saturday pst sincerely customer service activate financial llc complain peak loan still asking repay loan even loan paid full looking response credit score impacted loan peak avoiding call trying multiple occasion fix problem

experian investigate account credit profile

writing letter erroneous information file trying dispute avail demand comply conform fix

pulled credit first time derogatory item mine including one bankruptcy account fraudulent need deleted please remove suspicious account credit profile

plus four inc collection agency hired nv company tends manipulate amount increasing amount claim every month purpose negatively affecting customer credit profile lowering score claimed owed increased intentionally affect credit report company went ahead posted amount also posted amount show paid amount owed date refused show proof validation amount request remove entire account credit fcra regulation false statement collect illegal tactic collect deleted credit bureau

formal complaint inaccurate incomplete item reported credit file respectfully requested information provided proof alleged item specifically contract note instrument bearing investigation taken well day notified investigation result

equifax ga may concern company listing item inaccuracy name creditor contact information inaccurate reporting fair credit reporting act section state required federal law verify physical verification original signed consumer contract account post credit report otherwise anyone paying reporting service could fax mail email fraudulent account demand see verifiable proof original consumer contract signature file account listed failure positively verify account hurt ability obtain credit fcra unverified account must removed unable provide copy verifiable proof must remove account listed demand following account verified removed immediately name account account number provide physical verification collection unverified account address la la address address fl address pr address pr address m

previously notified victim identity theft

capital one credit card holder year looking cbr never made late payment reported day past due date far history show upset capital one responding internal complaint choice come cfpb treated fairly month ago made payment credit card one payment one care realize entire minimum payment although made payment blissfully unaware issue moved life received email capital one saying month behind immediately paid amount due reached capital one via email asking confirmation going negative impact apologized explained happened offered contact information begging someone let know reply sent another email reply reached online support asking contacted reply assuming taken care due pandemic read family work life sure impacted moved today checked credit report via bureau dropped point negative mark mark negative positive either capital one card odd indicator negative mark capital one know cause way dispute via credit bureau captial one yet fully update send shot bureau today positive balance account except increase balance capital one nothing late indicated dispute clear drove point dive cbr beyond livid actually helping ppp program around client communication strategy worked hour day since beginning tired exhausted beyond impacted work household income taken huge hit due covid would think capital one would value enough work even miss payment accidentally made one le amount owed human mistake human directly impacted pandemic saddened capital one lack support willingness help correct internally preparing possibly shop home crippled even ca even dropped cbr lower ever seen life ironically enough paid citicard balance last day cbr score dropped point gone goal paying card capital one failed short one payment one mistake even missed payment entirely year even ability help mean wish could pay leave bank know loyalty wo tossed trash one time mistake captial one unwilling work result complaint voice get louder treating unfairly consumer think executive leader need know tiny mistake corrected handled loyal client go long way conversely need see impact experienced negative consumer impact swept rug forgotten please fix error please treat fairly please treat personally impacted covid credit score dropped one time mistake upset right really wish someone would listen help

day two try nothing

sent letter regarding inaccurate unknown thing credit report day day later received response yet information also impacted data breach may got hand wrong person

first reliance called house left message saying reference docket number regard debt owed message went say filed court able find place business needed call know scam written proof company indeed true debt call ask address company man immediately got hostile raised voice asking needed address went tell reporting cfpb false debt collection practice started screaming hung

home mortgage company suntrust dunning assessing penalty fee money paid time paymient full made fund deducted account

since trying dispute get late payment student loan reported wrong inaccurate information student loan closed transferred want information investigated removed since account closed transferred account closed transferred still showing credit report wrote several letter help remove get denied

unauthorized credit inquiry idea company want deleted immediately

american profit recovery attempted collect debt mine received credit notification change account detected showed new collection account never informed attempt collect debt prior placing credit file stayed sent communication old address resides several year need removed permanently credit file account contract original owner debt middle home loan process could significant negative effect approval process interest rate placed credit file direct conflict fair credit reporting act fair debt collection practice act kind illegal collection activity hurt american place financial jeopardy document provide account original creditor spoke manager named state would removed credit file consumer finance protection bureau ensure done

reviewing document requested company name portfolio recovery associate inc noticed multiple inaccuracy violation consumer law result hereby challenge claim may owe company reason company name address inaccurately violation company inaccurate misleading amount owed violation company provided proof statue limitation passed resident state violation company provided required license bond collect debt state florida violation company provided document may show signature proof agreed pay company claim owe violation fdcpa

capital one add hard inquiriy credit report per capital one bank usa add hard inquiry credit report per cap one na add hard inquiry credit report per

last report equifax single line statement reflected use report specifically authorized ever heard credit bureau since contacted directly cfpb purpose notification cfpb equifax held accountable action

checked credit report equifax report saw credit card open account called bank listed verified info said credit card open name social security called equifax verified info said could provide assistance needed send copy id social security card via mail verify identity immediately sounded fishy verified personal identifier sure need ever send copy social security card mail improper use abuse customer private information want resolved since credit card open reported credit score like way equifax trying handle card showing open report equifax need amend

sent letter credit bureau inaccurate information account already paid showing delinquent account delinquent showing like inquiry authorized credit report credit score want open investigation solve problem affecting credit score

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

walmart store card sometime paid never late card issued capital one took walmart card capital one set new account made payment calling told debit card set auto pay authorized monthly minimum payment taken debit card every month well statement arrives late mall late fee added account balance account also closed care fact remains statement received late every month late fee added called told auto pay account receiving late fee fault mail extremely slow capital one sends statement late order late fee added account bank wave fee fault account never late held xxxxxxxx auto pay

dept credit report unauthorized knowledge filed deed leau original loan sold guild mortgage company guild mortgage company attn customer service department ca contact nj service mortgage company nj putting credit report never contacted mail anything unauthorized impact credit score

someone transunion credit bureau keep changing address without consent deposited information time filed two police report dept gave two letter release stating debt mine transunion keep putting fraudulent account back credit account called credit bureau said ca third party call hung upon u identity stolen time last year correct address name phone number

sent letter regarding inaccurate unknown thing credit report day day later received response yet feel like 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 equifax data breach may got hand wrong person

bought house mortgage subsequently found title insurance policy deed match even come close try sell house closing attorney chosen help way even though deed error seller signed certified tax information show sold subject premise address minute degree second description policy location near deed location research discovered lot block changed book page seller closed power attorney bought house closing document appear contain much mistake career destroyed due caller id spoofing call interception voice impersonation also physically impersonated get feeling dealing organized crime phone number placed government service administration mobile network used derail finance point filed chapter bankruptcy record show mortgage foreclosed house bankruptcy protection phone email interception intense impossible find job anyway find job impersonated voice cloned used call boss resulting job lost year night school steady job working making plus large bonus bought house way reconnecting previous employer unaware voice impersonation figured phone number mobile network code went bought new service new phone cloned shortly purchase phone tampering may associated closing attorney putting power attorney without consent back story every inch way keep immaculate record cross reference proof point main concern determining mortgage paid nj lender refinanced record discharge anywhere pay amount paid determine exactly much would owe property get inflated pay figure company include deduction payment already made even though produce paid check process bank account right cancelled check refused credit account real question paid original mortgage much paid sell house pay fair amount grossly overcharged outside phone email interception authority ca reach owner house listed closing attorney correct address recently found foreclosure auction scheduled amount ball park price displayed today know accurate house worth much reduced price low ca go sale mystery much paid mortgage refinanced nj lender one documentation paid original purchase mortgage mortgage ever even issue bought researched alleged mortgage three month produced nothing need nj lender proove paid original mortgage show much paid sell house pay cost associated house please see nj lender cooperate produce proof paid original purchase mortgage original purchase mortgage ever filed mers information also

formal cfpb complaint response account resolution service fraudulent attempt collecting three medical debt owed upon contacting alleged hospital question familiar name attached medical debt fair debt collection practice act fdcpa right request validation debt say owe requesting proof indeed party asking pay debt date alleged medical service name patient contractual obligation binding pay debt please attach copy agreement client grant authority collect alleged debt proof acquisition purchase assignment authorization subtitle arra sec application security provision penalty business associate covered entity sec breach term breach security mean respect unsecured phr identifiable health information individual personal health record acquisition information without authorization individual please note enforcement penalty covered penalty rule omnibus final rule effective interpreting implementing various provision health information technology economic clinical health act hitech act issued penalty rule fcra facta including fact act change final rule effective agreement bear signature alleged debtor wherein agreed pay creditor medical account copy hipaa authorization please also advised letter formal dispute request cease desist collection activity including reporting verifying account credit report receipt letter considered granted consent taping telephone call home business agent assigns require compliance term condition letter within day complete withdrawal writing claim event noncompliance reserve right file charge complaint ocr hipaa violation appropriate county state federal authority violation fdcpa fcra federal state statute fraudulent extortion illegal collection activity acc ount may well violation indiana medical privacy rule also hereby reserve right take private civil action recover damage retain right arbitrate multiple account name showing credit report

trying get refund approved chase bankxxxx supported chase last month airline keep redirecting chase chase thing money point held hostage despite fact u dot mentioning customer eligible full refund flight canceled airline even got email refund ticket original form payment obtained contacting call center obviously respond try reach please help

repeatedly informed equifax via letter phone credit inquiry initiate authorize continue appear report equifax consistently failed rectify problem credit rating ability obtain legitimate credit suffered following false credit inquiry must deleted date

disputed account reached many time failed account reported inaccurately incorrectly credit report

received notice thru monitoring receivables performance management wa placed collection acct credit report amount contacted proactively learn due fraudulent acct set cable communication company ga contacted try sort situation would provide little information address ga opened closed explained never lived know anyone lived area address name social since time received daily call receivables performance management requested time send form required officially report fraud request still done also informed calling work stop continue everyday result credit score dropped poin approximately low asking harass work aid filling needed paperwork clear required request filling complaint

mortgage holder quicken loan sent email asking needed assistance paying mortgage pandemic applied received forbearance plan upon initiating payment fine late received phone call previous point contact quicken asking would interested refinancing since rate lower decided refinance add enough pay several smaller loan made application quicken mortgage banker paid fee began process refi forwarded required document requested discussed timeline even appraisal completed approved received documentation company would close contacted date informed town date would moved informed someone named would contacting moving closing date problem upon returning home waited hear received info call anyone left couple angry voice message phone eventually received call yet another quicken employee told u approved mind nearly month refi process told u actually hung u due question concern payment coming forbearance even applying refinancing agreed initial point contact known advised u wait payment apply nothing could hung u next day quicken removed info relating refi online account info contacted listed contact point transferred another supervisory person took info said call back one called back several day contacted researched informed meeting issue received call quicken rep informed going application fee issue fault recognizing month forbearance since received refund however since withheld directed quicken mortgage payment due anticipated closing charged late fee nearly feel without continued push action quicken would kept application fee would end feel defrauded taken advantage senior citizen went way applied additional payment several open account lower debt income ratio disapproved month applying technicality known front since currently quicken customer since approximately would like resolve issue contacting state attorney general office asking quicken approve refi enabling u move forward remain quicken customer

sent letter regarding inaccurate unknown thing credit report day day later received response yet feel like 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

trident asset management say credit card debt total card account fraudulent mine sixth time disputing account collection company removed sold another company

yesterday woman called husband phone answered driving gave name say company give asked going said owed never verified id dob s husband said need bank information declined give info said take legal action give advised call call received violated fdpca rule time called asked speak supervisor place hold one got line called find called husband threatened legal action supervisor told revised tape nothing violated advised make report company seeking council due work compassion towards debtor want file complaint company give name

lost debit card unaware used make several unauthorized transaction get security notification bank ridiculous account activity clearly noticed debit card lost got low balance alert bank immediately called fraud department cancelled card issued new one also filing claim day later claim denied explanation reached claim department given run around information given provided police report number told bank america would reopen claim week later woke email stated claim paid denied apparent reason literally information determination unauthorized transaction listed america atm withdrawal bank america atm withdrawal bank america atm withdrawal

international student received social security number usa misplaced social security card suspicious activity reported credit report fraudulent opening victim identity fraudulent activity open account requesting account removed credit report receive accurate statement disputed issue trans union bureau investigation say information account verified accurate account visible credit report impacting credit score lot international student getting difficult apply loan get car appropriate insurance credit score majorly affected fraudulent activity requesting item removed credit report correct information please investigate matter provide federal trade commission report send bureau order remove account credit report soon possible thank

see several day late mark clear violation right fcra company never responded attempt obtain proof documentation prove account reported accurately

mortgage showing forbearance well fargo credit report never given explanation status went website requested assistance due covid even though continued make payment called requested removed credit report still showing want removed want unscrupulous tactic addressed

leave employment due injury obviously started getting behind payment loan company particularly specific person assigned case ignores call return message ignores email rude unhelpful sends document email security portal locked continues send think messing cause foreclosure something tried talk another person office mean shocked offer solution ignore ca get one going looked company terrible review bought loan year ago choice deal think buying time foreclose house going month getting really scared anything done people horrible going keep

victim identity theft last year keep getting sold different collection agency frustrating account mine fraud keep passed around thought law debt collector sell debt verified identity theft

bank america servicing home mortgage year pay recently started adding payment process fee time make payment happened past recently started

unknown hard inquiry credit report im requested verification inquiry method verification americredit add hard inquiry credit report company provide following proof permissible purpose written authorization proof personally initiated inquiry knowledge signed document authorizing organization view credit history therefore inquiry credit report violates fair credit reporting act section c transaction initiated consumer

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 give reason immediately remove item credit report day deleted promtly demand account deleted immediately file iltigation due stress caused information also impacted data breach may got hand wrong person

trying trade vehicle newer model told salesman could make trade asked gave explanation pulled credit many unknown suspicious item familiar many inquiry made name believe someone stolen identity need thing deleted credit report immediately already taken action prevent anyone else trying open anything else name contacted ftc local police behalf please remove report company inquiry equifax mortgage solut equifax mtg

received letter erc stating owed year ago need verification debt account closed charged amount sent letter requesting information

believe beginning answered phone call credit corp solution trying get ahold husband debt acquired told would talk husband business checked credit report debt claiming owed report ignoring phone call answered one call verified call recorded told violation fair debt collection practice act need send u validation debt letter stop calling communication need done writing since phone call almost two month ago still receiving phone call every day monday friday harassment tired phone call even cell phone number husband number want harassing either want stop calling send u letter mail like asked

disputed negative inaccurate incomplete information credit report three bureas transunion yet respond letter

hello thank taking time review concern extending gratitude granted credit line since however nine year payment occurred know unpresidential time several agent working home however payment creditworthiness credit decreased due negative reporting

third attempt resolve issue name complaint done experian investigation responded saying believe responsible summiting claim insult intelligence ability find information given fcra

previously cellular phone service customer year problem began purchased new cell phone store ny purchase price given trade credit lowered price paid installment monthly bill still original receipt verifying purchase trade received first bill price phone changed subsequently remained amount contacted numerous time try correct never therefore monthly bill present incorrect became extremely upset frustrated company due issue resolved cancelled service switched another provider made several attempt final bill corrected still therefore refusing pay sent bill sequium asset solution collection agency put credit report want removed credit report owe spoke collection agency offered reduce amount however reduction satisfaction representative made conference call trying get accurate amount bill could representative could access account could go back far

harassed company concerning debt liable signed contract given permission obtain place residence contact information continue frequently harass called repeatedly inconvenient time told numerous time understating consumer broken consumer law found usc

process trying rent apartment credit report get pulled denied due several unknown item report printed copy report check reason denied realized someone using social security number open account never aware account belong please remove item report

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

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

ive cosistent paying bill time im saying went day applied account got approved deposit didnt understand checked credit report see couple item mine item need deleted credit report chapter bankruptcy dishcarged

ive contacted following creditor three credit bureau equifax remove late payment agreed goodwill deletion creditor however get writing refusing delete rom credit please kindly advise

personal loan lending club closed without communication client lending club since first loan acct paid loan time never late payment paid full applied second loan loan approved loan loan amount fully funded also paid loan time every month severely physically ill due illness believe early covid unable work income severely impacted able work commission immediately contacted lending club inform health issue let know income impacted anticipating hardship see program assist longer capable making payment time option gave day grace period standard procedure situation called twice per month seeking help asking guidance struggling make timely payment able continue making payment end time pandimic covid hit like nuclar boom spite health major hit income announcement covid still endeavored make payment spite steller payment history fully paying original loan constant communication request assistance announcement world pandemic lending club offer helpful solution time little income exhausted saving getting food food bank etc end rope unbeknownst charged loan sold third party company collection without contacting found trying call make payment told unable pay account closed extremely unhappy treated treated fairly especially payment history attempt work keep account current paid communication lending club personal health issue worl wide pandimic severely impacted life fault due irresponsible asked protect consumer thank

ncb managment service company reporting credit report owe debt knowledge ever getting loan product company written tried call company three time asking send documentation contract anything signature recent letter wrote certified mail received verification letter heard back company credit report state owe ncb management service pa

victim identity theft

transunion claiming credit card account name closed fact deceased cousin account closed credit mycard bank verified told transunion miss information alternately hold credit score

failed inform day pay new company selling loan heard stern new company idea supposed pay keep hanging assume point giving house free illegally trying take making impossible pay

refuse apply additional payment principle automated payment processing put money towards principle must call every month apply additional payment amount principle since paid thousand dollar regular payment amount attempt apply fund towards principle last six month requesting apply credit worked multiple manager many representative say applied take day processed day check online still applied call say ave applied time find day later credited fund still applied expressed problem manager multiple time nothing done serious problem information asymmetry consumer little information account company see support case detail requested email confirmation payment processed refuse provide type confirmation calling handling issue give case number anything end assert conversation insisted properly applied consider fraudulent holding money allowing apply principle mislead every time attempt resolve issue refuse give confirmation side talked issue many many time

last week company paramount masked number come private told call number person called named harrassed parent friend threatening voicemail call idea debt

received text alert card present account charged looked account see anything issue new card four time already thing keep happening also keep changing pin number

m service llc reporting debt forcefully removed place living homeless throughout till passing buck consumer already suffered enough found fraud account credit including one access online account home internet access infrequently homeless bought filed fraud claim online faxing document today bank manager call m service refer go send m service

contacted company back appearing credit profile owed one clue way resolve issue service rendered documentation valid social security account number dob pleaded credit bureau twice constantly update attach false debit pile fictitious information profile scammer say least masked debt collector please use ucc ftc comptroller debt credit reporting guideline regulation remove negative info reporting data processing

need immediate phone call please someone level lending point attempting make payment since beginning lending point system failure staff unwilling recognize error team unable lending point also fails deliver promised passed account continually different individual properly document pas information system

received paypal notification vie email advising fund sent amount several unsuccessful attempt paypal account opted reset password resetting password failed security control query two issue phone number file changed four year verification question could answered correctly multiple daily attempt week reach agent paypal unsuccessful direct contact agent available due call volume per voice recording contact option presented website message center resolution center useful majority option except call automated phone service required access account reason issue could access account sender made several email request paypal assistance account access issue seems ignored sender also requested cancellation refund fund sent seem fallen deaf ear instead paypal sent another email advising sender claimed product shipped required case fund sent gift amount also stated email paypal received originally shell office paypal empty one available live contact visited office last week hoping get help avail would like fund returned sender paypal account enabled l access fund originally intended medical purpose paypal transaction id related issue receiver sender active case pending paypal transaction detail case number buyer name buyer email buyer transaction id transaction date transaction amount cad transaction id refund amount cad pending kind assistance resolving issue ongoing day reached email address phone clarification

victim identity theft already contact credit furnisher verified auto loan account number opened fraudulent sent documentation confirm account fraudulent removed provided information experian refused remove identity theft account also supported deletion request fraudulent account police report federal trade comission file report letter xxxxxxxx requesting experian remove fraudulent account immediately using supporting documentation provided

attn consumer relation may concern wrote requesting investigation item believe inaccurate received reply acknowledgment investigation begun previous request listed reason disputing information enclosed request reply within reasonable amount time since second request also sending copy letter federal trade commission notifying signed receipt letter sent replied request regret forced take action

reached credit ask remove derogatory information credit report advised help request payment fact made account derogatory information

basic saving account citibank saturday attempted log account kept getting error message password incorrect absolutely correct password hit forgot password reset password received message online access account blocked prompted call customer service line course remainder afternoon called multiple time time either told information could given told completely different thing every phone call finally told would wait letter mailed verify account almost week since first denied access account still received letter mail time call whether gain access account attempt close fund account mailed check told nothing done receive letter absolutely absurd last phone call citibank today rep came back line told simply could help would terminating call hung money bank account way accessing closing account citibank refuse assist outside mentioning letter yet receive almost week right still zero access account online banking money told wait letter arrive via usps mail still middle pandemic access account close

jefferson capital system placed derogatory remark credit report attempting collect alleged debt amount knowledge account account past month confirmed account file bearing name verified jefferson capital want contact north carolina department justice attorney general office refer case also contact personally ext ask also never received notice company written otherwise attempting collect debt rather placed negative negative remark report without offering opportunity dispute request validation alleged debt right pursuant fair credit reporting act violation right violation federal law

sent collection convergent outsourcing box returned office year ago included box last bill stated earlier box office know charged last bill account always autopay closed account nothing due year going back forth finally removed equipment charge refused remove chose stop fighting pay promise would delete collection credit never gone collection begin paid last bill felt owe requested deletion collection today collection still reporting credit collection agency refuse remove

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

well fargo customer another well fargo customer sent sunday gave confirmation number given upon completing transfer year old familiar sent needed money sunday bank would closed tuesday sent phone number receive money account receive notification still received notification regarding transfer went well fargo branch wednesday inform situation verifying money withdrawn account deposited mine bank officer gave phone number call inform discrepancy called number wednesday spoke supervisor said would file claim gave case identification number called online banking number thursday spoke representative gave claim id number given day said claim filed asked transferred supervisor transferred customer service advocacy department filed complaint supervisor failed file claim lied also filed claim missing transfer told could something simple transposed number registered sender asked someone could please call mrxxxx walk step register sender took phone number told would pas info along someone would assigned case one two day would call back either thursday friday hearing anyone thursday friday called online banking number told would take one ten day case assigned someone another ten day issue resolved needed money urgently sent sunday immediately available friday money transferred someone assigned case unable work needed money pay electric bill buy food money failed transfer forced pawn tv order little money ca wait day issue resolved everytime speak someone say going take ten day case assigned think unacceptable considering stated two issue could affected transfer could resolved one phone call certainly would take ten day accomplish spoken approximately different people customer service got satisfactory customer service received run around concerned fact withdrew someone account ca account day later concerned someone unemployed week dependent upon transfer luxury waiting day money wish life worked way

per fair credit reporting act item older year bell seven year start ring date first delinquency recent careful review credit report reviewed credit report revealed done old item report demand remove order comply fcc u bkpt ct fl bankruptcy chapter original filing date latest status date account info reference number court u bkpt ct fl

company reporting account past due charge past statue limitation state alabama year please advised dispute validity alleged debt entirety request verification alleged debt including name address original creditor along copy signed contract illegally attempting collect alleged debt money owe per law cease desist collection activity including credit disputed debt credit bureau came back verified since contacted company received response document company used verify reporting account accurately name person company verified accuracy account document use verify please provide name individual company title telephone number well copy document used verify disputed item reported accurately

disputed information provided neiman marcus serviced received email confirming received dispute received email stating dispute investigation complete report information confirmed correct went dispute online site allow dispute stating dispute complete allowed investigation took le hour middle night method confirming data correct meantime inaccurate information credit report allow dispute called contact information neiman listed credit report called number first asked account number account closed many year finally got representative named unable look information regard account since closed many year provided telephone number spoke unable help since account closed reporting done neiman marcus transferred back neiman marcus sent back loop neiman marcus even find account information verify correct inaccurate information provided credit bureau investigates dispute within hour verifies inaccurate information neiman marcus even find credit score adversely affected misinformation provided either neiman marcus falsely report falsely verifies false inaccurate information

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 contacted ftc local police behalf please remove report u dept ed u dept ed u dept ed company inquiry xxxxxxxx xxxxxxxx xxxxxxxx

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

afni provide proper documentation requested continued leave collection activity credit report validation period afni action still detrimental credit report information credit report never validated verified account provided proof afni never validated request within day date received letter reference account never deleted completely removed credit file copy deletion request never sent attaching signed return card post office showing received request full day validate debt

may concern serve legal notice federal fair debt collection practice act fdcpa cease communication regard debt referenced contact third party regarding debt furthermore formally dispute validity debt please provide documentation support believe debt belongs believe owe amount please send copy original application account signature associated account bill associated account etc also notified adverse information placed credit report appropriate action taken federal fair credit reporting act fcra thank attention matter

medical collection commonwealth financial system notified informed prior embedded credit profile th ese violation consumer right im shocked surprised stressed physically mentally find medical collection credit without proper notice even allow contest mine waste time partially responding demand really smart demand document face immediate lawsuit therefore demanding consumer right send following document forced produce attorney discovery phase lawsuit save potentially paying legal fee ridiculously expensive go ahead order turn please provide following signed notarized copy hippa release allows access alleged medical record money say owe explain show calculated say owe provide copy paper show agreed pay say owe provide verification copy judgment applicable identify original creditor prove statute limitation expired account show licensed collect state provide license number registered agent agent service office able provide real documentation requested following declaration allow least investigate information time collection activity must cease desist also validation time action taken could considered harmful credit report consult legal counsel suit includes listing information credit reporting agency could inaccurate invalidated verifying account accurate fact provided proof accurate

rented care third party price line returned vehicle two day late car company charged two day disputed transaction bank america allowed provided rental agreement receipt