| nor the regional relationship manager had any authority to release holds | 1 | 0.0% | he gave me information that only employees would understand may have assumed I was a Truist employee asking for help on my account. In this conversation |
| nor the title company | 1 | 0.0% | numerous requests were made to Ditech by the title/settlement company for a payoff in order to accommodate an XXXX XXXX |
| nor the uploads because I find out it goes nowhere once case is closed | 1 | 0.0% | I explained this over the course of several phone calls to Chase dispute team and asked how I can appeal or request to re-open the case. The account supervisor |
| nor the XXXX XXXX. This behavior on behalf of Chase Bank is reckless and should be acknowledged as such. Chase is putting our economy in peril and I request assistance with this matter.,,JPMORGAN CHASE & CO.,NY,11793,,Consent provided,Web,2023-03-15,Closed with explanation,Yes,N/A,6699784 | 1 | 0.0% | and consumer confidence in the banking system |
| nor their criteria as there were too many!! He suggested we call the bankruptcy service area of B of A and gave me their number. We attempted yesterday but they were closed. We decided to file with cfpb first. We are losing equity on a daily basis. They have not attempted to assist us in our attempts to modify. Our payment went from {$1300.00} to over {$3600.00} and their congratulations package had our trial period payments at {$3300.00}. But trial period to what exactly? We have no idea! We can not afford this payment. We are in the midst of paying of Chapter XXXX plan payments. The Judge was firm in his decision to allow confirmation of our plan despite not having a modification worked out with B of A yet | 1 | 0.0% | our representative was not available and spoke to another rep : no explanations / no further details / paying is our only option. We then contacted our attorney - provided him with the correspondence for his review. B of A ( our rep XXXX!! ) calls our attorney on the XX/XX/XXXX to find out if we plan to pay the trial period payment. We spoke with our attorney and decided to have him call B of A again to see if he could get a handle on what they were offering us / what this trial period extension plan truly meant. Our attorney called and spoke to another rep as XXXX was not available. B of A told him that if we pay the trial periods payments |
| nor therefore any such debt | 25 | 0.0% | your reporting of accounts on my consumer report violates the Fair Credit Reporting Act. I am requesting that your company blocks and remove all disputed fraudulent accounts from my consumer report pursuant to [ 15 U.S.C. 1681c-2 ] ( a ) Block Except as otherwise provided in this section |
| NOR THEREFORE ANY SUCH DEBT | 3 | 0.0% | under my straw man debt is owed only when a PROMISSORY NOTE is present I have not supplied proof under the doctrine of estoppel by silence |
| nor they give time by when they will call and no email either. | 1 | 0.0% | no customer service rep nor the representatives in fund handling |
| nor to any term contained within the customer agreement I have with BARCLAYS. Given that BARCLAYS has not provided ANY legal support to the conclusions it has reached | 1 | 0.0% | was negligent and broke the terms and conditions of purchase '' themselves |
| nor to any voicemails that I left to the same person. The tax assessment was attached to multiple emails. | 1 | 0.0% | I sent a copy the amended tax assessment |
| nor to just chalk up to a loss. | 1 | 0.0% | Wells Faro has directed me that if I call to make a payment plan with the loss prevention team |
| nor to summarize the endless list of fees assessed on this Optima account. | 1 | 0.0% | the EveryDay Blue Card |
| nor told me that I owed any monies. They never notified me of any intent to send this account to collections. They never provided me with a bill or statement of what they believed that I owed. This is a violation of the above statute | 1 | 0.0% | part II |
| nor used any XXXX mailing address. I telephonically contacted the Equifax Fraud unit | 1 | 0.0% | which I commented thereon. As I noted that a bogus previous address |
| nor Validating the account | 1 | 0.0% | since it brings up the reason for my complaint here. I specifically ask Portfolio Recovery Associate to VALIDATE the debt ( Pursuant to the FCRA & the FDCPA |
| nor want. | 1 | 0.0% | that they would Close Out my solar panel order and inform Mosaic to close the loan. ( Please see attached email from XXXX XXXX in XX/XX/XXXX. ) As of today |
| nor was any meaningful opportunity to opt out or avoid this harm provided. | 1 | 0.0% | I completed a transaction using my Capital One Business Spark credit card via XXXX |
| nor was documentation mailed. The inconsistencies in reporting and noncompliance with law and my requests have damaged my credit file and caused much grief. My most recent mailing was XX/XX/XXXXusing certified mail to further documentation of the calls on file and numerous attempts to establish proper procedures and attempts to assure fair and accurate reporting. | 1 | 0.0% | which I requested all intentions in writing |
| nor was ever disclosed to me | 1 | 0.0% | especially one with any sort of fee- or fees- associated with the account. The schedule of fees is below- a total of {$76.00} has been stolen from me from PNC since XX/XX/XXXX. When I called immediately upon creating a login to see these charges |
| nor was I a default risk | 1 | 0.0% | say |
| nor was I asked my name by this individual | 1 | 0.0% | I have observed SBI agents acting as Amazon delivery drivers on multiple occasions. This is highly concerning |
| nor was I aware of the issue with my credit report nor the repeated checks of my credit. I did not receive any verbal or written notification of these inquiries. My score was never reported by XXXX | 1 | 0.0% | I requested they remove their credit inquiries from my credit profile. XXXX XXXX |
| nor was I called to confirm the paperwork had been received. As far as I knew | 1 | 0.0% | I received a notice in the mail stating that my mortgage was 3 months behind and I was in danger of foreclosure. I called Dovenmuehle as soon as they reopened from the holidays |
| nor was I ever even billed for this debt '' - and which was NEVER pointed out until delinquent at {$25.00} | 1 | 0.0% | I find myself hoping to restore my good name |
| nor was I ever served any papers. | 1 | 0.0% | XXXX XXXX XXXX XXXX XXXX |
| nor was I ever summoned to appear in court or notified that this debt was turned over to collections. This appear to be a violation of my rights as a consumer! | 2 | 0.0% | just to try to get rid of this debt |
| nor was I given an opportunity to resolve the situation. In fact | 1 | 0.0% | or explanation as required by FCRA 623 ( a ) ( 7 ) and 615 ( a ) There was no new contract |
| nor was I given the business name and address of the furnisher of information contacted and the telephone number of the furnisher. This is a clear violation.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,GA,398XX,,Consent provided,Web,2022-05-27,Closed with explanation,Yes,N/A,5606821 | 1 | 0.0% | or in addition to |
| nor was I given the chance to opt out of the disclosure of my personal information. | 3 | 0.0% | Equifax and XXXX have violated my rights under 15 USC 1682b ( a ) ( 2 ) by refusing to furnish only in accordance with my written instructions. Furthermore |
| nor was I given the opportunity to opt out | 2 | 0.0% | the credit bureaus have failed to remove the inaccurate late payment information or conduct a reasonable investigation to ensure maximum possible accuracy as required by FCRA 1681e ( b ). These late payments are being reported in direct violation of my right to privacy and fairness under FCRA 1681 ( 4 ). Additionally |
| nor was I informed of any intended use of my consumer report by these entities. These inquiries were made without my consent | 2 | 0.0% | 15 USC 1681s-2 ( a ) ( 1 ) ( F ) Reporting obligations under deferment Instruction : Please immediately update the status of this account to 'Paid as agreed Never late. ' Hard Inquiries : My credit report lists several hard inquiries from financial institutions such as XXXX XXXX |
| nor was I notified regarding the subsequent restoration of my account | 1 | 0.0% | I informed the Chime representative and supervisor that there had been no changes to my account in the past 90 days |
| nor was I notified that deferred principal and interest would be collected or reconciled at that time. | 1 | 0.0% | CMG issued a mortgage statement dated XX/XX/XXXX |
| nor was I provided an option to opt-out at any point. This lack of informed consent means that any late payments that have been reported to credit bureaus are inaccurate and violate my rights under the FCRA. As such | 1 | 0.0% | and cXXXX XXXX XXXX Delete Sure! Here 's a detailed dispute paragraph that you might consider using for your consumer report dispute : Dispute Paragraph : According to the Fair Credit Reporting Act ( FCRA ) |
| nor was I provided any explanation of how this amount was calculated. The reported balance does not correspond to any legitimate charges and directly contradicts the original creditors final bill. | 1 | 0.0% | on XX/XX/year> |
| nor was I provided with any documentation or supporting evidence about it. I explained to the representative that I was not aware of this policy and had not been informed of it when I opened the account.,,DISCOVER BANK,GA,30082,,Consent provided,Web,2024-09-12,Closed with explanation,Yes,N/A,10095221 | 1 | 0.0% | I called to see if I could complete a transfer and was informed that |
| nor was it a material misrepresentation.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,92553,,Consent provided,Web,2025-04-02,Closed with explanation,Yes,N/A,12755410 | 1 | 0.0% | the information previously blocked has been reinserted to my personal credit report. Should I need additional information |
| nor was it a phone number that is neither mine | 1 | 0.0% | I recieved paperwork from Carrington dated XX/XX/XXXX |
| nor was it anywhere that was easy for me to access! In fact | 2 | 0.0% | unbeknownst to me ( and not shown in my cash.app transactions activity ) |
| nor was it applied to another loan. The second time I called in and they customer service representative gave me an amount. For some reason she can see if in get system | 1 | 0.0% | XXXX XXXX gave me the wrong amount. It gave me a calculated pay off at {$990.00} |
| nor was it entered into their system. My rights have been violated under 15 U.S.C 1681 Section 604A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given these accounts written permission to furnish these accounts on my reports as well. | 1 | 0.0% | I asked Experian specifically to provide pictures |
| nor was it explained to me why it was posted late. | 1 | 0.0% | I tried to work directly with Bank of America to Resolve this issue |
| nor was it properly disclosed I needed to when I agreed to the repayment terms. I only agreed because to prevent even more damage being done to my credit. I was also told by the agent on XX/XX/XXXX | 1 | 0.0% | the agent on told me that if Discover refunded this money |
| nor was it reflected in the Loan Estimate or Closing Disclosure. | 1 | 0.0% | the property taxes were estimated to be approximately {$2000.00} per year. However |
| nor was it serviced | 1 | 0.0% | I constantly called to receive information on the engine that I put a down payment on but as Ive mentioned numerous times in this email |
| nor was it sworn under oath. The debt collector never provided me with documents that rise to the level of Original Account-Level Documentation. '' The debt collector 's alleged client | 1 | 0.0% | just information |
| nor was it updated. The last status update | 1 | 0.0% | the information provided to me by Experian clearly shows the account as being incomplete and inaccurate |
| nor was the account totally closed because the person who sent money even canceled it on their end | 1 | 0.0% | and when I XXXX in XXXX of this year |
| nor was the deposit credited to my account ( Account XXXX : XXXX ). | 1 | 0.0% | XXXX XXXX |
| nor was the notice I received from Mr. Cooper sufficient or timely. Specifically | 1 | 0.0% | I should have received clear and accurate notice regarding the servicing transfer |
