| if an item is found to be inaccurate | 3 | 0.0% | XXXX XXXXXXXX XXXX |
| if an item of information disputed by a consumer can not be verified | 1 | 0.0% | pursuant to 15 U.S.C. 1681s-2 |
| if an organization like M & T Bank was purchasing an asset of such value | 1 | 0.0% | I started receiving calls from M & T BANK |
| if any | 12 | 0.0% | I have the right to request and receive validation of the debt. Therefore |
| if any ; Chain of Title Documentation | 1 | 0.0% | please provide the following documentation : Date of First Delinquency on the account leading to charge-off ; Date of Charge-Off ; Date of Last Payment recorded on the account ; Exact Charge-Off Amount |
| if any action is taken which could be considered detrimental to any of my credit reports | 11 | 0.0% | I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX |
| if any action is taken which could be considered detrimental to any of XXXX credit reports | 1 | 0.0% | I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus |
| if any consumers | 1 | 0.0% | it seems highly questionable to tell a consumer who has an XXXX credit score with other low-risk application factors ( loan amount |
| if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY with my written consent to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported | 1 | 0.0% | XXXX XXXX Illinois XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX - XXXX XXXX XXXX XXXX |
| if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported | 3 | 0.0% | I formally request that you investigate and correct these errors immediately. Please provide documentation of your investigation and the sources used to verify this information. I have attached copies of my credit report and any supporting documentation. Please respond in writing within 30 days as required by the FCRA. Dear Consumer Department : I have recently checked out a copy of 1 my credit profile and unfortunately |
| if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Thank you | 1 | 0.0% | if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. My current and only address is XXXX XXXXXXXX XXXX XXXXXXXX |
| if any discrepancy was noted ]. | 1 | 0.0% | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
| if any information disputed by a consumer is found to be inaccurate | 1 | 0.0% | INC : XXXX XXXXXXXX I looked at my combined credit report and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act |
| if any negative item is reported to any of my credit reports by your agency or the agency that you represent | 11 | 0.0% | I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT |
| if any negative mark is found on any of my credit reports by your company or the company that you represent | 8 | 0.0% | 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for verification '' or proof of my mailing address |
| if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above | 1 | 0.0% | instead it is in accordance with the Fair Debt Collection Practices Act |
| if any negative mark is found on any of my credit reports by your company or the company you represent | 1 | 0.0% | text messeges and i have asked this compomay to validate the debt but they never do. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX Tek-Collect XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay |
| if any negative mark is found on any of XXXX XXXX XXXX or XXXX XXXX XXXX XXXX credit reports by your company | 1 | 0.0% | or information to any of the three ( 3 ) major credit Bureaus ( XXXX |
| if any negative mark is found or continues to report on any of my credit reports by your company or any company that you represent | 13 | 0.0% | during this validation period |
| if any negative mark is found or continues to report on any of my credit reports by your company or the company vou represent. I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. | 2 | 0.0% | and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ) |
| if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent | 6 | 0.0% | I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX |
| if any otherperson | 2 | 0.0% | and |
| if any part of this Arbitration Provision is determined to be invalid or unenforceable | 1 | 0.0% | all others stay valid to the extent allowed by applicable law. In the Arbitration Provision section on page 3 of the Retail Installment Contract |
| if any see the portion of the mentioned letter I called Bank of America disputes department from a different number that the one I have in my profile with Bank of America because I noticed that all the time | 1 | 0.0% | when the negative balance was covered in full my account was unrestricted again. But I also got a letter in XX/XX/2020 from Bank of America that XXXX did not include in her correspondence saying the claim XXXX was closed because Bank of America believe the account or the claim has been subject of fraud or suspicious activity and any temporary credit that was applied to my account related to the claim including any related reimbursement of fees was debited from my account and will reflect in my account balance |
| if any such payment was fully paid | 1 | 0.0% | such as foreclosure |
| if any. | 3 | 0.0% | but is not limited to |
| if any. I am confident that ideally these trade lines should actually reflect paid on time as I have proof via email of being in a consistent forbearance through to consolidation for most of the account life | 4 | 0.0% | I have an amazing payment history and credit reputation with my creditors and should be reaching a high credit score. However |
| if anything | 1 | 0.0% | as a merchant it states I have 180 days to file a dispute |
| if anything my credit scores should have gone up because immediately after applying for this loan I paid off credit cards in full | 1 | 0.0% | ( Also provided. ) A & D questioned some claimed late payments to XXXX and XXXX that were shown on my credit report |
| if applicable | 17 | 0.0% | as detailed in the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. In accordance with my rights under Section 609 of the FCRA |
| if applicable ) | 1 | 0.0% | 15 U.S.C. 1692c ( c ). I demand that you stop all communication with me |
| if applicable ) ; - Proof that Citizens Bank | 1 | 0.0% | referencing the Citizens Bank correspondence ( Exhibit A ). Pursuant to the South Carolina Uniform Commercial Code ( S.C. Code Ann. 36-9-210 |
| if applicable ) on earlier loans before consolidation of those loans into a XXXX loan. | 1 | 0.0% | the XXXX offered this guidance this week |
| if applicable ) Until you provide all requested validation | 1 | 0.0% | with an itemized breakdown Verification that I am legally obligated to pay this debt Copies of any contracts |
| if applicable ). | 2 | 0.0% | verbally or in writing |
| if applicable 4. The date the account was sold | 1 | 0.0% | leave blank or mark Unknown ] Date Opened : [ Insert date if known ; otherwise |
| if applicable 6.The date of last activity and proof the debt is not time-barred Until you provide the above documentation : You must cease all collection efforts | 4 | 0.0% | I request that you provide proper validation of the alleged debt |
| if applicable ; ( XXXX ) Documentation establishing that the creditor is the owner of the specific loan at issue. including all assignments and written evidence of transfers of ownership. These assignments should include the account number | 1 | 0.0% | I have also requested documents for Navient pursuant to California Civil Code section 1788.202 and section 1788.102. On XX/XX/2023 |
| if applicable ; The chain of custody or assignment of the debt showing how your company obtained it. | 1 | 0.0% | I have the right to request verification and validation of the alleged debt before any further collection efforts are made. Accordingly |
| if applicable ]. | 1 | 0.0% | any lack of evidence against you |
| if applicable ]. If you have any questions or require additional information | 1 | 0.0% | please find copies of the following supporting documents : * [ List any documents |
| if applicable ]. Resolution Sought I am seeking assistance from the CFPB in | 1 | 0.0% | I faced significant inconvenience and potential financial impacts |
| if applicable Evidence of my original wet-ink signature on any contract or agreement regarding this account If you can not produce the documentation verifying this account as accurate | 1 | 0.0% | I am entitled to know the sources of information used to verify this account and the procedures you used during any previous verification process. This includes |
| if applicable. | 6 | 0.0% | showing the full breakdown of the balance owed |
| if applicable. '' On XXXX/XXXX/XXXX | 1 | 0.0% | then late fees may be allocated from a payment |
| if applicable. Documentation that proves your right to report this debt to the credit bureaus. Please note that until you provide the above information | 1 | 0.0% | specifically 15 U.S. Code 1692g |
| if applicable. Please provide a copy of my signature on file with the provider of services to release my medical information. Additionally | 2 | 0.0% | but a formal request for validation as outlined in the Fair Debt Collection Practices Act ( FDCPA ). I require debt validation in the form of an agreement |
| if appropriate | 2 | 0.0% | identifiable |
| if at all. To help users decide whether they want to use that information | 1 | 0.0% | for example |
| if at all.,,HSBC NORTH AMERICA HOLDINGS INC.,FL,32707,Older American,Consent provided,Web,2020-06-18,Closed with monetary relief,Yes,N/A,3704772 | 1 | 0.0% | it was necessary for me to be hospitalized yesterday due to a previous injury and when I got home and looked into my XXXX accounts today |
