| based on an incomplete application | 1 | 0.0% | based on an incomplete loss mitigation application |
| based on deception and false pretenses when they saw my vulnerability because of my concern about my husbands condition | 1 | 0.0% | heard me mention that my husband had XXXX XXXX |
| based on factors such as race | 1 | 0.0% | credit discrimination encompasses various forms of unfair treatment |
| based on her communications with XXXX XXXX XXXX XXXX XXXX the company that received the funds from our account with whom we had no relationship. XXXX XXXX told us that XXXX provided a letter saying that we authorized them to create these transactions | 1 | 0.0% | the Complaints/EO Manager |
| based on her company 's policy?,Company disputes the facts presented in the complaint,CrossCountry Mortgage LLC,NJ,07305,,Consent provided,Web,2017-11-04,Closed with explanation,Yes,N/A,2720589 | 1 | 0.0% | she basically said that I was wrong. Also |
| based on his assurance that everything was moving along as expected. During the week of XX/XX/XXXX | 1 | 0.0% | our realtor contacted the lending agent to get an update. He told her that he was working on it |
| based on information from my other student loans | 1 | 0.0% | I promptly began my repayment plan and was able to manage my payments online through the original portal. I was on an Income-Driven Repayment ( IDR ) plan |
| based on information in a consumer report on the consumer | 1 | 0.0% | even though there is not a valid debt. This is a violation of the FCRA and I respectfully request that this account be deleted immediately. According to section 603 of the FCRA |
| based on my Trial Modification ''. I was on time each month | 1 | 0.0% | to add insult to injury |
| based on my actual payment history | 1 | 0.0% | my credit report continues to inaccurately reflect excessive late payments for my XXXX XXXX XXXX account ( Account No. XXXX ) during XXXX and XXXX. Specifically |
| based on my most recent mortgage statements from XXXX | 1 | 0.0% | without warning or reason |
| based on my original repayment. Bank is telling me that since based on my original amortization indicated that I should be at XXXX % by XX/XX/XXXX. And since I have paid a head I need to get XXXX which does not make sense and this is another excuse for the bank to ask for more money. I have called them several time and I have mentioned to them that what they say is against the home owners protection act which was passed in XX/XX/XXXX to protect the consumers and it clearly states that the bank should have automatically cancelled the PMI as soon as my equity reaches XXXX %. | 1 | 0.0% | XXXX is below XXXX % |
| based on my overstanding | 1 | 0.0% | I never received the letter Notice of Default and Notice of Intent to Foreclose : '' When Specialized Loan Servicing mentioned the fact in the CFPB Case No XXXX and XXXX. I fully understand that there is no limitation on fraud |
| based on my XX/XX/XXXX calculations. Based on my calculations | 2 | 0.0% | I sent a 3rd email to : XXXX |
| based on my XXXX tax return | 1 | 0.0% | including myself |
| based on no facts in their possession. The company has refused to provide us the actual offer that we received. Their offer | 1 | 0.0% | Consumer Credit solutions XXXX XXXX XXXX XXXX XXXX XXXX extension XXXX sent us a written reply they were investigating the matter and would reply by XX/XX/XXXX. His letter is dated XX/XX/XXXX. I then logged into the account |
| based on precedent alone that American Express XXXX acknowledge that this is fraud. I am XXXX XXXX XXXX | 1 | 0.0% | did not have XXXX. The understood what had happened to me but could do little about it. I reported the matter to American Express. They were very helpful and empathic but nothing happened. Eventually ( 30 days later ) |
| based on recent sales in the neighborhood is conservatively valued at {$380000.00} to {$420000.00}. My credit rating is over 800 and my daughters is around XXXX. We are seeking to refinance a {$140000.00} mortgage and we filed an application to do that XX/XX/XXXX. | 1 | 0.0% | some background information |
| based on recent similar home sales | 1 | 0.0% | I took advantage of the decreasing interest rate environment and refinanced. It was done under the HARP program which I guess I didn't totally understand because when the refi '' was done |
| based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. | 1 | 0.0% | and noticed some things are incomplete and not accurate. An according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual whom the report relates according to 15 USA 1681 ( e ) ( b ). According to 15 USC 1681 5 |
| based on some technicality | 1 | 0.0% | an excerpt of which is attached ) |
| based on that | 1 | 0.0% | I didnt receive a statement in the beginning of the month as I usually do. I went to the online app |
| based on the amortization schedule. The PMI notice sent to me is also included | 1 | 0.0% | I contacted XXXX XXXX |
| based on the balance. This occurred in XXXX of this year | 2 | 0.0% | which I had for nearly 20 years. That account had fraud on the account |
| based on the document provided by Capitalone | 1 | 0.0% | video from the XXXX technician showing the radiator which was replaced by the first mechanic |
| based on the INACCURATE errors this was not done. This account was disputed multiple times and information is still reporting INCOMPLETE and INACCURATE | 1 | 0.0% | closed. {$2700.00} written off but INACCURATELY reporting CHARGE OFF. Payments made but not reporting in historical payment history months in XXXX |
| Based on the information provided | 1 | 0.0% | XXXX XXXX XXXX. On XX/XX/XXXX |
| based on the location and local market rates | 1 | 0.0% | they told me these were the incurred charges of property preservation fees from the 3rd party vendor that get passed to the consumer. I requested a detailed |
| based on the recall they should be able to get the money back and should be able to have it resolved | 1 | 0.0% | XX/XX/XXXX |
| based on the refinance request | 1 | 0.0% | We started to speak with XXXX her NMLS # is XXXX ( she is wonderful ) who helped us start on a refinance process. We were receiving emails from XXXX |
| based on the results of reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified oe deleted from the file consumer. | 2 | 0.0% | if |
| based on the results of reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file consumer. | 1 | 0.0% | if |
| based on the results of reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. | 3 | 0.0% | it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. '15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unvertiable information ( A ) in general if |
| based on the results of the investigation | 4 | 0.0% | it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates 15 US code 1681i ( 5 ) treatment of an accurate or unverifiable information ( A ) in general if |
| based on the results of the investigation ; and ii ) promptly notify the furnisher of that the information has been modified or deleted from the file of the consumer. | 2 | 0.0% | after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer |
| based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Failure to respond satisfactorily with deletion of the above reference accounts | 1 | 0.0% | I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If |
| based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to respond satisfactorily with deletion of the above reference accounts | 1 | 0.0% | I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If |
| based on the results of the investigation. : This account is inaccurate showing different information not accurate. Please delete the following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to respond satisfactorily with deletion of the above reference accounts | 1 | 0.0% | I was not notified. In addition to the violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general If |
| based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information that the information has been modified or deleted from the file of the consumer. | 4 | 0.0% | after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer |
| based on the results of the reinvestigation | 1 | 0.0% | has violated my rights. I looked at my Experian credit report and on XX/XX/year> and noticed some things are incomplete and not accurate.And according to the fair credit reporting act.Whenever a consumer reporting agency prepares aconsumer report it shall follow reasonable proceures to assure maximum possible accuracy of information concerning the individual about whom the report relates according to 15 USC 1691 ( e ) ( b ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inccurate or unverifiable information. ( A ) in generallf |
| based on the results of the reinvestigation ; and ( promptly notty the fumisher of that information that the information has been modfied or deleted from the tie of the consumer and according to 15 USC 16818-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to bebeve that the information is inaccurate,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | ater any reinvestigation under paragraph ( 1 ) of any information disputed And according to 15 USC 1631i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit |
| based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file. | 3 | 0.0% | if |
| based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ) | 2 | 0.0% | and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate XXXX XXXX : Date of last activity is wrong XXXX XXXX XXXX XXXX XXXX is wrong XXXX XXXX XXXX XXXXXXXX is wrong XXXX : XXXX is wrong the laws for Reinvestigation are as follows 15 usc 1681c section ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If |
| based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate,,EQUIFAX | 1 | 0.0% | according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generally |
| based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,331XX,,Consent provided,Web,2024-09-23,Closed with explanation,Yes,N/A,10204036 | 1 | 0.0% | according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generally |
| based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generally |
| based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. | 78 | 0.0% | full transactional history from date of opening to present or closing of the account |
| based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. | 18 | 0.0% | under 15 USC 1681 ( 5 ) |
| based on the results of the reinvestigation ; and ( II ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) ( i ) Certification of accuracy of information : If any information is deleted from a consumer 's file pursuant to subparagraph ( A ) | 1 | 0.0% | they have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681i ( 5 ) ( A ) If |
| based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ) So I requested a description of the re-investigation and they did not provide it to me which is a violation of 15 USC 1681 I7,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NY,11203,,Consent provided,Web,2024-04-01,Closed with explanation,Yes,N/A,8663796 | 1 | 0.0% | but i noticed there was no update or nothing was modified according to the law 15 USC 168 I5 |