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exercising right dispute following item file accordance fair credit reporting act fcra upon review credit file found several inaccurate unverified item negatively impacted ability receive credit provided unnecessary embarrassment inconvenience sure aware right according section fcra request proper investigation inaccuracy particular referencing section c b iii state right consumer dispute information file consumer dispute report item listed attached

equifax reporting acct open acct limit balance payment reporting acct acct closed still reported paid time limit balance payment reported closed account acct reporting limit balance closed reporting payment closed acct remark stating account closed creditor reporting name acct limit balance acct closed still reporting payment closed acct

become victim identity theft several credit account collection show credit report past month recent data breach certain information leaked shared completed proper step notify creditor police report informed state texas individual suspected theft deceased police department said contact federal trade commission seek relief

tried transfer money card account many time keep getting message cash credit client adjustment wont sent money want im tired week

fraud someone use social security number opened paypal credit card still communicating giving information need figure get credit report open account ca get information going around circle three month recently changed address usps website financial credit card banking information automatically changed new address submitted post office received letter dated pay pal credit synchrony bank uploaded piece information received paypal credit called bank given case told would receive item mail next two week never received mail one sheet paper uploaded credit report applying mortgage account open since someone paying back making minimum payment unable obtain account number credit card information transaction digital criterion account open account fraud department tell anything account know balance reporting credit report late payment account know last four number

student loan paid full became military balance paid full full total disabilty listed transunion account remark listed chap bankruptcy paid ever bankruptcy affecting ability obtain credit employment

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

reached national credit system company several time informing debt amount claiming owed debt providing proof debt document showing signature relevant proof said rented another county residing residence since company kept sending letter stating owed sent paperwork name typed called several time spoke rep rude said remove debt need go file identity theft police dept responded letter send reported credit bureau caused financial hardship

recently opened credit card chargeback request transaction made alliant credit union hired pool renovation job ceased due breaching contractual obligation walking away job contract include thorough plaster prep plaster prep include chip around fitting acid washing old plaster surface chipping tile line lastly apply bonding agent old plaster prior new plaster installation agreed itemized cost prep none wording agreement debatable work agreed done day one preparation work informed chipping grinding tile would done due risk tile damaged first told specific work would performed performing cutting chip tile material breach contract originally agreed upon agreed needed done prior showing refusing work order save time money cost incurred prepare pool new plaster brought attention day also preparation work informed instructed acid construction manager proceeded tell acid washing needed completed surface clean enough green algae pressure washing necessary skipping step thorough acid washing acceptable another breach contract solid bond new old plaster creates risk future damage something risked little labor involved remedy objection construction manager used le single jug acid superficial job acid washing using le single jug acid sufficiently etch surface material material received used bond old plaster new used manufacturer guideline product applied pool watered function intended reason initiate chargeback due breach contract failing perform contractual obligation contract breached chipping tile per contract job acid washing applying manufacturer specification reason lead service rendered correctly satisfactorily prep work incorrectly able get warranty new plaster company alliant credit union refused push chargeback visa giving solid answer seemed burden proof put solely hand yet picture work allowed evidence behalf forced resort paying credit card bill going collection creditor want help large purchase partial refund offered figure agree alliant feel wash hand matter instead helping consumer given side story alliant done telling clear contract breach yet good enough alliant take action

midland account number agreement midland collection approximate amount original balance approximately asking send something writing secure arrangement amount refuse feel comfortable paying large amount money phone nothing secure settlement protect integrity negotiation asked several occasion cooperation difficult work

asked credit bureau look account listed report eos reference account specifically stated believe account mine requested validation account since followed dispute transunion experian well eos asking proof debt believe debt mine date sent total letter transunion experian additionally letter eos date account even listed dispute report provided response let alone validation reported debt appalling feel allowed plenty time answer dispute well beyond day deadline outlined fair credit reporting act time asking relief effect removal account report

sent letter regarding inaccurate unknown thing credit report day day later received response yet feel like taken advantage ignored dispute law plainly state 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 experian well data breach may gotten hand wrong person

hi received notification morning collection added credit report testify never received phone call written notification debt collector named ic system activity dropped credit score point frustrating never dealt anyone company ic system trying collect behalf knowledge debt dealt past look strange returned equipment one thing owed equipment returned never received final bill something stating owe money big company like negligent thanks helping matter

lease expired time rolled purchase also time know lease automatic payment website payment made timely fashion wanted continue payment arrangement tried first month could get system function properly every time would call seek resolution would end repeating story could get anyone effect change could get ticket problem reference case manager handle complaint month non resolution stopped making payment told wanted make payment way year want pay phone check convenient hope would escalate issue someone could effect change fix issue every contact told conversation recorded would pay amount due full minute could pay electronically past thought continued pay mail phone would never fix issue considering month resolution perhaps non payment would get someone attention ten recording saying would pay immediately web based product would function past repossessed car send demand letter said would pay amount due product customer access enjoy point felt discriminated access function customer later got nc ag involved wrote letter behalf agreed stalemate also falsified insurance claim car possession must damage insurance company called follow claim effecting ability purchase home want access free service paying attorney help would greatly appreciated

well fargo branch fl unauthorized transaction checking account small withdrawal amount time course year bank agreed reimburse credit back balance asked bank forward policy statement agreement signature detail stating responsible day following notification forward answer e mail sure never seen policy signed approval comply senior money needed

penfed offered credit protection payment loan event unfortunately occurred due false advertisement credit union subcontracting credit debt protection honoring matter involved distinct separate one matter ask help court second claim due accident credit union fulfilled promise advertising program self interest feel credit union member customer inherent responsibility organization help penfed allowed subcontracted insurance company deny delay defend payment claim presenting offering honestly web page company subcontracted insurance company beyond difficult deal even blame credit union policy fulfilled promise advertised item provided credit union honored credit union hand approach fair also paid clear answer denied claim accident happened complaint new company document submitted new form created form modified original document standard change made significant intrusive insurance company deny claim asking help suffering hardship due

loan application date credit score home appraisal value refinance company newday applied refinance newday form submitted e sign agent account executive xxxxnmls company nmls disappeared week response newday cell phone fax returned vague apology terminated given new broker home appraisal done week appraiser determined outside deck retaining wall patio home needed repainted cost u completed first asked first conference call join conference call newday agency mortgage verification newday kept losing getting incomplete documentation returned home yesterday called newday broker told given new payoff balance original figure changed newday foot dragging asked call

dear sir receipt letter dated cfpb subsequently allowed thirty day expire hope would correct inaccurate information knowingly reported three credit bureau thirty day since past would like address falsehood reported letter letter state actively pursuing collection account however referencing letter received furthermore attached page report page report lastly page equifax report contradicts statement attached credit report display account nearly year collection activity reported recently company maliciously unethically illegally reported credit activity reason belief cause damage credit profile creditor fully aware company duty conform federal state regulation regard credit reporting well reporting accurate truthful information letter guideline fair credit reporting act requesting remove account credit report three credit reporting bureau immediately longer date letter kindly confirm safe receipt question please hesitate contact always thank

emailed well fargo ask work locate payment claimed never received called well fargo credit card division asked research chargeback item emailed well fargo asking status update credit card transaction said receive sent email well fargo asking assistance finding debit credit card went requested direct payment call placed well fargo credit card research well fargo offered escalate issue research received letter dated well fargo outline transaction occurred letter offer clarity payment went message left research remediation analyst x following date went unreturned

express dealership want credit run multiple time written letter expressing want hard inquiry removed credit report impeding ability obtain home loan company resolve request credit inquires date

extremely dissatisfied way billing dispute barclays bank handled situation called agent tried assist billing dispute regard good received let know paid multiple transition product provided day later received letter mail stating case got denied merchant cancellation policy need cancel anything telling agent receive custom product faxed supporting letter transaction stating receive product received letter case resolved favor latest case received multiple letter dated case stating bank unable pursue credit due reason unable assist disappointing dissatisfactory understand pandemic bank short staffed zero attempt help difficult time case properly investigated merchant contacted address situation response received would like action taken assist dispute feel discriminated investigation done regard service provided merchant today received little help office president ext closed complaint case stating saw policy website specific

wife opened checking account u bank response promotion website promotion appeared page since removed opened account confirmed met requirement called first time asked welcome bonus would deposited account told day opening account check back later payment never posted called told day final required direct deposit made check back later payment still never posted contacted customer service ask case considering clicked link directly website open account promo code place opened account issue assigned person help relayed information promotion team spoken three time phone originally told would resolved business day week since assigned case recently left voicemail stating ineligible promotion since receive direct offer mail signed website promo code seems like complete nonsense feel cheated exact thing applies account wife opened

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

writing due experian failed remove information affiliated personal detail challenged past original creditor account original creditor account original creditor account strongly believe violation fcra outright refusing uphold law

looking credit report today noticed inaccurate account listed recovery one llc contains past due balance listed collection law read collection account past due balance collection past due default please delete inaccurate account credit report failure accurately list item would also like recovery one llc provide copy signature original provider giving permission share medical information company knowledge account would like see original doc including signature please cease credit bureau reporting debt validated

sent three letter credit bureau one one one equifax certified mail dispute item credit report letter received equifax received letter fair credit reporting act state day complete investigation else item supposed removed received response day receiving response sent another letter following first letter still response way cant even get representative phone talk frustrated company taking advantage consumer

two u department ed showing credit report mine reference number every year happens receive notice dept ed going garnish tax refund actually look realize mine never account know s close mine name ever two federal student loan

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

pcn allow connect account choice stock vendor specifically

complaint case summary complaint refused refund charge host agreed cancel reservation admitted system glitch filing dispute credit card issuer bank america bofa following dispute resolution procedure including responding subsequent letter asking additional information submitted tx bofa still declined claim receiving letter despite initial explanation filed claim included accompanied attachment complaint detail explanation ca fire daughter evacuate home smoke exacerbating respiratory condition booked place though upon arrival place ready bed made bath towel floor dirty dish sink upon contacting host agreed refund asked contact communication shown attached daughter contacted cust service admits system glitch even asked show hotel bill go showing invoice pay spend night copy communication also sent bofa replied would refund filed claim bofa provided attachemnts surprise decliend claim saying never received additional info mailed deadline insutl injury real shame bofa would take advantage someone evacuating area charging one night entire stay clean rather dirty room appreciate bureau bofa complaint response team reviewing helping u solve complaint best

set payment plan trip due covid travel agency turned phone went business website instructed u follow credit card company refund trip canceled flight canceled airline reported capital one opened dispute today still reimbursed told agent check sent fund taken account speak supervisor today told fund held department isnt open tuesday horrible customer service always great customer need fund back supervisor also told merchant never replied dispute

landlord us website manage rent payment utilize must connect pnc checking account site tried connect checking account presented message pnc made change prevents able link prevents paying rent issue must rectified pnc

app keep track score recently logged saw unknown suspicious account use open name social also saw several recent inquiry seems like person took identity open account trying continue open account name credit ran couple time account inquiry made please take unknown item report

submitted complaint cfpb regarding old account debt collector debt year old continually called several collector sworn call one telling open credit card ca pay complaint response stated account sold encore capital group contact

looking option refinance global equity finance called funny even give estimate already asked personal document reasoned quote good rate submit given loan estimate twice said ok rate proceed simultaneously dealing another mortgage company offered rate slightly higher global equity finance offered could pas offer global equity thus declined waited memorial day weekend following find person dealing terminated promise given u missed opportunity told offer showed new loan officer told good offer nothing would know dealing crooked loan officer check balance opportunity lost

sent dispute letter certified mail requesting reinvestigation method verification bankruptcy credit profile per fcra credit bureau validate information original creditor must remove said information consumer credit file attached copy letter u bankruptcy court stating dont report credit bureau also attached copy letter saying credit profile frozen credit bureau verifying alleged public record third party provider frozen per federal law exactly day complete investigation outlined per fair credit reporting act credit bureau didnt complete dispute day remind credit bureau wenger transunion cal may liable willful compliance account question need removed immediately violation fair credit reporting act validation day time period validation third party provider data cant verify account bankruptcy court cant verify bankruptcy due privacy law public record non compliant inaccurate unverifiable

received notification credit monitoring company derogatory mark reported looked found open collection account general revenue opened never received contact general revenue prior reporting credit agency receive written notification debt attempt contact phone regardless validity debt never offered opportunity dispute pay debt affected credit

called sent multiple letter equifax proving name social security number several account listed belong someone provided legal documentation copy driver license social security card proof address indicating person information need immediately removed report tried resolve period approximately month today date unsuccessful even courtesy respond call get transferred call drop recently turned mortgage loan even though reporting correctly score however since person late payment existing mortgage loan denied feel held hostage misreporting ongoing situation disregarded ignored equifax cost financially emotionally physically well asking someone take three second day see name social security number listed equifax report remove derogatory item report

mailed multiple letter demanding inaccurate information credit report fixed experian negated acknowledge submitting complaint supplied appropriate proof identity show submitting complaint experian automated message disgrace taking time make sure consumer complaint handled right way failed produce result investigation item mentioned letter attached need deleted need provided updated credit report showing removed

diagnosed spent hospital insurance time paid medical claim received statement reflecting balance due deductible paid balance received bill point stopped mailing statement sent charge collection agency called c h collection absolutely worse heartless people ever dealt life made payment arrangement paid received first notice balance due qar multiple medical account hospital c h longer handling account took made payment arrangement paid qar still calling recent today told still owe bill received year later asked qar mail statement account showing paid explain new charge asked least time different call date received nothing think trying get money way owe anymore money paying company medical bill even sure paying want nightmare

disputed collection account credit bureau failed properly verify debt supportive evidence debt belonged within investigation period first letter second letter

cosigned lease brother become effective subsequently moved ny contacted management office asked procedure breaking lease described paragraph lease copy attached advised lease buyout option would constitute one month rent notice formally notified management office lease terminated effective day date subsequently advised fee must paid time request terminate termination fee paid made brother financially responsible copy email document communication attached rent paid copy rent receipt attached one month termination fee paid noted remaining balance first week rent ancillary fee copy statement attached note one month termination fee charged twice disputed amount advised management office correspondence sent via email traveling would receiving usps mail email sent attached received text message brother copy collection notice ncac copy attached point heard nothing final balance due received email ncac providing copy statement advising process payment phone copy attached point called management office inquire matter could recklessly evolved control without knowledge subsequently advised must discus matter corporate office provided telephone number called left numerous message never received return call responded email copy attached explaining situation offering resolve matter correct balance constitutes rent first week ancillary fee advised would pay additional termination fee since part lease termination agreement since time gone back forth ncac explaining position continuing offer settle matter balance simply providing instruction make payment ncac filed collection three credit bureau accusing debtor balance found action part outrageous engaged counsel assist resolution matter counsel sent letter ncac attached debt subsequently reduced collection remains discharged collection based detailed dispute initiated claimed reduced collection based dispute falsehood reduction result counsel letter claimed required information must make point behaved behalf consumer others credit bureau behaved either incompetently negligently collection credit record brother also collection credit report three credit bureau always open willing pay balance ncac consistently demanded recently

soc sec dob address fl attention dispute department today date serf notify inaccurate information credit report per file sent letter via registered mail purpose formal escalation appropriate court law need arise recently denied application mortgage car loan credit card health insurance employment florida xxxxupon closer look due inaccurate information credit report mine florida id social security card stolen disputing charge proved fraudulent account also included copy police report unnecessarily embarrassed oversight part maybe credit reporter part erroneous information degrading defamatory also damaged good credit standing prevented something badly needed caused much stress affected health short quality life negatively affected inaccurate information credit report detailed follows u dept soc sec dob address fl

accepted state department work foreign service posted mail forwarded diplomatic address within month receive letter u bank mortgage company basically saying living outside house compliance loan called try find number give letter general customer service number clarity person able give may fact loan fha loan informed address needed send response address department handle fha loan phone number email address give facilitate communication responded letter explaining situation asking see kind exception exclusion since sure military personal serving overseas lose home service figured something sent letter proof current employment got letter dated said would get temporary extension year needed respond day copy insurance coverage sale rental agreement property received letter basically day two deadline due affected international flight mail service kind freaked since way respond would likely take another day according usps tracker still arrived couple week called customer service number hoping help able give customer service guy friendly genuinely sounding concerned inform way contact could even call department ask help guidance especially since time realized fha stipulation residing house long met since bought house lived continuously exclusively guess complaint important part bank basically threatening broken mortgage contract way communicate way exist last century imagine way deal people letter letter even email scanned document fax feel like dickensian tragedy

today discover card made business call close account reporting fraudulent transaction grateful cfpb time credit accountable american people congress really need change law credit card company closing account frivolous retaliation reason discover advertising zero percent fraudulent transaction liability lie joke want case documented covid get truly best time get new credit card law legislation bet discover needed bailout taxpayer government would close discover financial

upset checked credit report found negative account fraud never opened please see account belong remove soon opened acc opened acc opened acc attached document need included identity theft report victim identity theft fraud idea account

macys reported late day credit account checked last year late would like removed

purchased vehicle nc intended purchase vehicle credit union used loan past without issue preapproved credit union purchase vehicle dealership pushing go td auto finance instead beat quote went never used heard full day first payment due logged first time account account page went process set auto pay account always bill statement setting auto pay pay attention long fact see email box received notification account td auto finance registration complete see attachment later document first payment due believed already set account set auto pay take action fell ill positive test confirmed also attached payment came due would deeply ill time many others family fall family ended getting sick quarantine full week recovered received call wife received call td auto finance trying reach unable called immediately see problem informed late payment owed double payment made payment phone day sometime early got alert day late posted credit report dropped credit score year credit history never missed payment called td auto finance requested remove credit reporting issue believed system failed process setting account auto pay back said could see logged show successfully set auto pay begged remove report said fault would next step contact see could assist filing claim reported td auto finance believed actually correct phone number absolutely zero record ever calling single voicemail message reported response called following date time call continued every business day around time requested tell phone number calling respond also requested tell number calling could inquire see called also respond fighting remove report credit based following reason failure online platform adequately complete auto pay registration failure company reach let know late email cell wife number first time actually reached let know account delinquent paid immediately full intention made full attempt pay therefore accurate reporting payment came due sicker ever life believe care act need look credit reporting issue provide government relief case like mine

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

writing dispute following information file disputed account past credit bureau ignored request

bureau falsely reporting alleged debt fdcpa section violation usc alleged debt verified yet receive response day another violation fcra

bank called inform unknown charge account wanted verify mine correct belong later day received call one credit card provider stating thing immediately knew identity stolen got online made account got copy report year name birthday social security number used open account mine please remove item report

unknown hard inquiry credit report im requested verification inquiry method verification flagship credit acceptan 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

ic system received medical debt debt tied medical information legally allowed hipaa law therefore debt illegal removed

mortgage serviced thru rushmore mortgage looking escrow adding additional month worth tax insurance pmi causing pay higher monthly payment told law hold month worth currently added additional escrow thank

leaked personal information well information million american situation affected mentally well damaged overall credit score credit health three major credit bureau reporting account credit file direct result identity theft credit reporting law ensure bureau report accurate credit information every step must taken assure information reported completely accurate correct requested debt validation yet yet received information day distressed account currently reported credit file prefer litigate contact medium use court publicity enforce right fcra bring information forth judge area account removed credit file fair credit reporting act requires remove account credit report soon possible lawyer taken step necessary order bring information forth judge area account removed credit file soon possible

disputed collection account report belong received validation debt letter company neither name address belong bill provided please remove incorrect information credit report

every month always pay mortgage home rental property flagstar bank time never missed mortgage payment somehow payment processed home rental know due simple human error system error part flagstar brother rental time aware payment processed receive mortgage statement know error flagstar part mail stolen mail often neighborhood frequently receive neighbor mail one ever returned mail u spoke customer service representative flagstar today learned piece mail sent eight day ago still reached u first piece mail received late payment dated upon learning late payment letter immediately paid also set automatic payment situation learned flagstar failed obtain correct contact information u took servicing mortgage fall spoke flagstar customer service rep figure missed call neither phone number u correct flagstar also neglected obtain email address previous mortgage servicer result flagstar negligence assuming servicing responsibility loan apparently mailperson negligence well know payment late account already reported delinquent payment day late late due insufficient fund submitted two separate credit review request flagstar information requesting flagstar contact credit bureau report late payment removed b provide letter deletion late payment request denied denying payment late however firmly believe flagstar refusal unreasonable late payment record preventing refinancing home despite fact credit risk

debt validity dispute started working signed new contract including credit app company supplier provide product got new account number supplied store product two month sent letter unpaid balance amount period contacted day clarify two different account store owned different person unfortunately response company email show second account fully paid one month collection company contact asked pay unpaid balance explain balance asking mine clear credit app signed personal guarantor store dated balance asking date responsible debt owed signed credit app account number unpaid balance different provided collection agency different document proofing statement alleged reply email two day thanks detail one sentence thought understand situation decided stop considering accountable debit story end three month received email bank mentioning negative activity credit score checked account found open collection caine weiner creditor requested verification document debit collection company email second time sent email certified mail requesting verification document unfortunetlly document sent mailed

decided merge school first credit union effective failed failed send temporary check website also failed unable create new account access bill pay system access fund live hour away branch office consumer service contact unresponsive unable call chat email payment need made like mortgage consequence epic failure

disputed bankruptcy twice credit bureau inaccurate need verified keep responding verified yet receive something writing verifying accurate three credit bureau want information properly verified removed also account asked verification still yet receive information

xxxxdispute ftc violation fcra inaccurate account

took loan year ago pay unaware outstanding debt recently today received email saying legal action taken paid today responded email numerous time called number listed email reach anyone search found loan subject fraudulent scam like want move forward resolving issue know legit

seem unverified inaccurate account credit file

portfolio recovery associate llc added derogatory mark credit report per upon research account longer responsible account debtor creditor verify collection also contract signature accused debt bill without written signature validate debt anybody send bill say mine debt beyond statue limitatons collecting debt state texas according fcra profolio recovery associate llc violated right consumer requesting legal action remove account immediately

mailed letter sent failure respond letter sent letter sent another round letter sure letter pertaining bankruptcy record credit report bureau day respond showing verified bankruptcy respond either time sent type letter three bureau attached transunion avoid redundancy

disputed account case listed credit report company currently reporting late payment account cancelled many month ago disputed account company well experian provided proof cancellation via email exchange

debt credit card closed went get letter sherman originator lll llc sc thought settled money job receiving government help like snap food stamp laid never return job year future money income guarantee assistance receive pay food shelter asset many people trying sue one person money never ever ever get credit card

good afternoon girlfriend checked credit said account belong someone else using identity without knowing want handled please help get stuff removed credit earliest convenience

received secure message u bank attached email site site tried register member cfpb site could also tried login site password got impormation bank work please let know bank site sould follow direction soon really appreciate thanks

international wiring local branch manager wire hsbc recipient heard anything fund hsbc requested compliance information twice sent still nothing heard back hsbc hsbc hold fund respond inquiry recalled fund back still result far till today

company reported fraudulent purchase put unknown balance card became past due company failed notify company b put limit fee never called emailed reduce balance

sent letter regarding unknown inaccurate item credit report least day still heard anything back absolutely response feel like ignored taken advantage regard dispute studied according section clearly stated failure investigate item give reason delete item within day taken credit report least day passed need deleted immediately therefore demand item removed account right away begin litigation exhausted wit end caused lot stress forget mention hugely affected data breach involving fearful record possibly hand wrong person serious matter

late payment showing credit set autopay way im gon na late checking account linked loan payment

became link one account number bsi financial servicer contacting advised pay become free confirm number day representative told wanted told pay continually tried reach make payment success finally reach representative email demanding money acted unprofessionally threatened take property matter month threatened lawsuit could still proceed legal action u irrelevant status environment new york state right

disputed account listed relate authorized transaction done knowledge derogatory account file would like account removed please conduct matter account credit file caused serious damage name credit history

upset know false account reported credit history affecting score know anything account would like removed

see card wrong address please dont send card name wallet lost s id

victim filed police report ensure fraud reported fraudulent account inquiry appeared credit report instructed file police report affidavit fraudulent account inquiry removed credit report filed affidavit police report transunion disputed fraudulent item four various time odd reason transunion comply fcra fair credit reporting act enforces credit reporting agency comply reporting accurate information consumer credit file reporting correct information credit instead reporting incorrect information highly disgruntled credit file updated next step file complaint state attorney general take legal action file lawsuit court please let u prevent provide resolution remove fraudulent item credit report fraudulent item include date opened amount reported inquiry date inquiry date inquiry date inquiry date inquiry date inquiry date inquiry date inquiry date inquiry date inquiry date inquiry date inquiry date inquiry date xxxxchapter bankruptcy bankruptcy court date filed

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

midwest recovery called twice tell debt demanding ssn dob repeatedly told keep calling outstanding debt aware

letter follow mortgage conversation quicken loan problem mortgage refinance closed dissatisfied quickens service payoff done without adequate notification approval borrower discovered reached loan officer find received email advising would receive check knowing forwarded email client relation knew escrow account approximately plan use fund home improvement knew something wrong responded stating could direct deposit escrow fund response made sense fully expected escrow refunded u closing since new escrow account created fund commingled believe also short conversation confirmed would receive escrow fund back closing upon calling speaking client relation representative even confused told amount correct would receive back agreed writing payoff informed borrower idea happening tear asking agreed told client relation answer concern would sent executive resolution reopened already closed cst holiday weekend able reach another loan able explain quickens common practice called netted escrow payoff heard saying fully understand goggled term finding article quicken loan website http dated contained chart able follow knowledge real estate finally understand term article stated quicken loan netting escrow exert quickens website strongly worded stating ignorance bliss horribly misrepresented mention poor mantra live certainly way act toward major financial decision many thing mortgage process get complicated seemingly convoluted seems much easier throw thing wind hope work isnt case know thats week know mortgage decided look issue thats important come refinancing mortgage current servicer already netting escrow go say mortgage company quicken loan also state youve pulled world obliviousness left solid understanding complex topic thus process quicken established one borrower check box without signature consent borrower verbal conversation loan officer quite concerning quicken recognized complex topic received call whose title executive advocate confirmed happened netted escrow payoff told informed borrower never heard neither colleague working large bank read application closing document document quite upset extended holiday weekend thought missed something advised miss anything borrower checked box signature required apparently agreeing fault borrower trusted quicken mortgage quicken since refinance didnt enough knowledge know meant thought would receive action fact way know correct record view action list documentation disclosure also inquired whole escrow account taken understand would receiving advised calculation payoff dept determine much taken specific stated nothing else could done correct situation asked heard borrower upset situation shocked advised hear often borrower concern would shared event quicken decides revisit practice good conscience accept response trusted quicken loan family largest financial transaction know known issue quicken loan nothing done remedy situation disheartening writing formally request netted escrow payoff reversed mortgage borrower properly notified agree practice writing e signature wet signature written disclosure realize increase loan amount thus monthly mortgage payment per month best interest family furthermore topic discussed decision process prior agreeing go quicken loan due diligence informed borrower comparing loan estimate credit human quicken application process quicken loan initially significantly higher point term loan amount able provide competitive option could consider remaining reviewing loan estimate company confirmed difference quicken per month higher interest rate v credit human payoff loan estimate showed difference loan amount differed slightly depending approximate amount due borrower overall refinancing either bank would save course mortgage thus opted remain quicken relationship expertise received known time quicken loan practice netted escrow payoff would asked would able opt would gone credit human receive escrow fund back much appears bait switch situation understand mistake happen asked assist making problem right netted escrow payoff discussed verbally loan way borrower opt escrowing tax insurance appears commingling fund allowed also noted asked hdma demographic information question process receive loan estimate initial application call mid called follow u asked loan estimate bank considering using see quicken could compete despite several request via phone email

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

dear legal department credit dispute submitted anew evidence dispute account disputed belong sworn statement concerning credit issue sworn statement declare penalty perjury law united state executed outside united state foregoing true correct best knowledge certify qualified authorized file dispute also understand knowing willful misstatement omission material fact constitutes federal criminal violation punishable additionally misstatement punishable perjury tradelines listed item currently within credit file none related transaction made official statement someone several people opened account made transaction account without knowledge authorization personal information used obtain good service money person responsible creating account filed report federal trade commission enclosed within dispute package reached creditor made aware account fraudulently opened known several month yet remove account credit report creditor cooperative removed account others refused remove fraudulent account therefore come credit reporting agency resolve issue law say must block account investigated expect made attempt file police report informed county constitute emergency would file report information person used information know information obtained person likewise collection account also mine none belong mean person account original creditor sold account collection agency reporting debt collection agency unknown account number collection agency account number collection agency account number collection agency account number collection agency account number

account restricted told time bank determined end relationship one checking account saving account tied account tax refund money well wife account chase bank yet send cashier check remaining balance account three week nothing tried calling multiple occasion noone cant see info note need remaining money asap thats im filing complaint towards bank recive cashier check remaining fund account still nothing need forward immediately morgan chase bank please

account request creditor come bureau come one please remove thank

hello currently state owe student loan however time student loan maximum amount allowed borrow somewhere along line scammed fraud try contact fed transfer give disconnected phone number said need talk consolidation department tirelessly tried find likely exist know looked loan disbursement majority incorrect

agreed pay delete charged bank account paid refused follow proper chain everything deleted

checking credit notice account thats mine reporting stuff man im hearing know reporting inaccurate information report fcra need removed immediately written documentation consent ask removed deptedxxxx deptedxxxx

victim identity theft submitted notarized affidavit serf legal document identity theft also victim breach opted settlement suffered extreme loss due breach identity theft need fraud account letter attached removed permanently file also contacted creditor well extreme violation fair credit reporting act right seek legal recourse also attached printout affected breach well

old account paid collection department getting call southwest credit saying debt collector behalf told repeatedly paid avail

contacting compromising social security number victim identity theft contacted federal trade commission filed complaint contacted police department obtained police report attached please block remove information credit report send updated copy credit report following item belong result fraud authorize credit card date opened date opened date opened opened

hi name writing complain lack response reporting continued follow every step removing false account reporting yet comply exceeded day multiple time point issue resolved keep reporting account belong mailed several letter via certified mail dated everything listed detail everything required still job removing item following date letter mailed letter sent via certified mail stamp received letter

attempted dispute incorrect item credit report several time starting however credit bureau back forth change reverse dispute

writing due experian failed remove information affiliated personal detail challenged past strongly believe violation fcra outright refusing uphold law

transunion allowing acct report fraudelent information consumer report damaging affect credit worth please ask company provide company copy pay history month pay history please delete unfair credit reporting

pulled credit alerted social security card getting stolen see list derogatory item mine including bankruptcy account fraudulent need deleted please remove unknown account name identity compromised information report incorrect bankruptcy chapter

visa card issued bank america recently noticed charging balance highest interest rate cash advance problem never made cash advance card called bank looked back charge past year find since ca go back basically said bad curiosity looked another statement bank one never made cash advance card life thanks help give charging cash advance interest purchase

incarcerated ten yr incarcerated identity compromised found upon release credit report due diligence part multiple account deleted report several different merchant three account capitol one account month speaking fraud department complying requested information prove innocence two three account declared fraud one several factor contributed inaccurate validation one monthly payment capitol one paid bank kansa asked bank denied name multiple time someone disclosed called bank hq provided statement proving never interaction capacity capitol one refused accept stating civil matter exhausted investigation stated stuck debt two number address linked account provided proof incarceration signed letter credible employee state indiana stating fraudulent activity address correctional facility come close comparing address file starting state zip code well known prisoner permitted posse clue made sense every link capitol one disputed proof still found sign fraud three account created back back two fraud one wreaks fraud emailed resolve simple issue avail

pnc changed account link account would like fund investment account via pnc allow use changed security purpose