| or will otherwise benefit | 1 | 0.0% | orally or in writing |
| or wind insurance on his or her residence. If the borrower falls upon hard times and fails to do so | 1 | 0.0% | large lenders |
| or with his connivance | 1 | 0.0% | AMERICAN EXPRESS NATIONAL BANK is a servicer and Master Servicer and does NOT hold a secured interest in the matter. XXXX XXXX XXXX XXXX XXXX XXXX is named |
| or with the consumers explicit authorization. Since I did not provide consent or initiate these inquiries | 1 | 0.0% | I identified the following hard inquiries |
| or with the prior written consent | 1 | 0.0% | Bankruptcy courts do not report to credit reporting agencies and have fraudulently obtained |
| or with the prior written consent of | 24 | 0.0% | pursuant to The Privacy Act of 1974 |
| or with the prior written consent. Per 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ) | 2 | 0.0% | per 5 U.S. Code 552a ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person |
| or with the prior written consent. Per 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ) | 1 | 0.0% | per 5 U.S. Code 552a ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person |
| or within the last year for any other purpose. Yet again | 1 | 0.0% | I am requesting a description of how the investigation was conducted along with the name |
| or without a permissible purpose by law | 8 | 0.0% | possessed |
| or wo may have knowledge concerning any such items of information. | 1 | 0.0% | XXXX XXXX ( XXXX ) XXXX Acct # XXXX Original Creditor- XXXX XXXX XXXX XXXX XXXX XXXX. To XXXX XXXX XXXX Credit Bureaus Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX According to the FRCA The term investigation of consumer report '' means a consumer report or portion thereof in which information on a consumer 's character |
| or words of similar effect. Such notice shall be sent to the sellers address. | 1 | 0.0% | the buyer |
| or words of similar effect. Such notice shall be sent to the sellers address.,,GOLDMAN SACHS BANK USA,UT,84780,,Consent provided,Web,2024-04-01,Closed with explanation,Yes,N/A,8670966 | 1 | 0.0% | the buyer |
| or words to that affect. I believe that in an effort to engage in ex parte '' a false allegation of stolen valor '' was present to the Judge when XXXX XXXX XXXXXXXX | 1 | 0.0% | that Attorney XXXX attempted to redirect to parties that were not a part of the action in an effort to cover up Attorney XXXX 's misconduct as an attorney ( i.e. fraud |
| or work assistance. | 3 | 0.0% | relevant case law dictates that Loan XXXX can not be defined as a qualified education loan because I was not an eligible student to receive a qualified education loan during the period for which the Loan was originated |
| or work done pertaining to that permit. I also stated since then the contractor didn't finish the work ost of it yes but not all | 1 | 0.0% | to having sent it in email form : I received voicemail from XXXX in regards to pulling or establishing a permit for my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for work that need to be done however I have already reached out to here and spoken about this matter and a permit was pulled years ago I let her know that I had already applied for XXXX prior to and provided her with the contractor 's name phone number |
| or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XX/XX/XXXX.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,AL,362XX,,Consent provided,Web,2019-05-26,Closed with explanation,Yes,N/A,3254112 | 1 | 0.0% | however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we've had several family deaths in between. Therefore unable to pay |
| or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XXXX.,,Aldridge PIte Haan | 1 | 0.0% | however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we've had several family deaths in between. Therefore unable to pay |
| or workplace. | 1 | 0.0% | I demand that you : Cease all phone calls |
| or worse began confusing itself over an entanglement caused by Newrez with another couples bank account who reside in California. Because Newrez got its wires crossed my wife and I paid {$21000.00} for the months of XXXX | 1 | 0.0% | XXXX |
| or worse identity mix-ups.,,EQUIFAX | 4 | 0.0% | I never used those name variations |
| or worse identity mix-ups.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,902XX,,Consent provided,Web,2025-07-12,Closed with explanation,Yes,N/A,14604331 | 1 | 0.0% | I never used those name variations |
| or worse identity mix-ups.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,90621,,Consent provided,Web,2025-11-10,Closed with explanation,Yes,N/A,17145653 | 1 | 0.0% | I never used those name variations |
| or worse identity mix-ups.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,91001,,Consent provided,Web,2025-11-05,Closed with explanation,Yes,N/A,17043525 | 1 | 0.0% | I never used those name variations |
| or worse identity mix-ups.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NJ,086XX,,Consent provided,Web,2025-11-04,Closed with explanation,Yes,N/A,17017466 | 1 | 0.0% | I never used those name variations |
| or worse identity mix-ups.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,TX,77055,,Consent provided,Web,2025-10-09,Closed with explanation,Yes,N/A,16471690 | 1 | 0.0% | I never used those name variations |
| or worse identity mix-ups.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | I never used those name variations |
| or would not | 1 | 0.0% | of XXXX XXXX XXXX # XXXX |
| or would require further review. These calls were typically over an hour long. The dates of our follow-up calls include : XX/XX/XXXX | 1 | 0.0% | clarify the status of the investigation |
| or write to Experian at XXXX. XXXX XXXX | 1 | 0.0% | through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian |
| or write to XXXXn at XXXX. XXXX XXXX | 1 | 0.0% | through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX |
| or written | 3 | 0.0% | 15 U.S.C. 1681 |
| or written authorizations ; and any documentation establishing a permissible purpose under XXXX. | 1 | 0.0% | I am demanding a reasonable reinvestigation of this matter. As part of that reinvestigation |
| or written confirmation of my account status. | 1 | 0.0% | providing updated financial documentation |
| or written correspondence Contact with third parties regarding this matter Any further attempt to communicate with meoutside of the narrow exceptions allowed by lawwill be considered a willful violation of federal statute and may result in legal action | 2 | 0.0% | debt collectors are prohibited from contacting consumers at unusual or inconvenient times or places |
| or written correspondence from your company before the vehicle was repossessed. | 2 | 0.0% | ( XX/XX/XXXX |
| or written correspondence in the days following it to alert me of this allegedly missed payment. It was not until XXXX XXXX | 1 | 0.0% | however |
| or written explanations outlining how this account allegedly became 180 days past due. This form of reporting falsely implies willful nonpayment and financial irresponsibility | 2 | 0.0% | showing a balance of {$6300.00} |
| or written legal notice was provided before or after this call. | 1 | 0.0% | XXXX XXXX XXXX is not a law firm |
| or written off. | 2 | 0.0% | I have never been provided my full debt validation rights as outlined under the Fair Debt Collection Practices Act ( FDCPA ) |
| or wrongful denials of benefits ]. | 1 | 0.0% | I am entitled to fair and transparent loan servicing. However |
| or XX/XX/XXXX | 5 | 0.0% | on XX/XX/XXXX and indicated that XXXX files showed that phone calls were made to me on XX/XX/XXXX |
| or XX/XX/XXXX payments. I have never missed a payment. They may have been considered short {$20.00} or so due to the escrow shortage payment I made that was not properly credited to my escrow account ( they applied to principle ). XXXX said she would escalate to her supervisor to straighten it out/ XX/XX/XXXX was date all the reallocations were made that somehow through my account into delinquent XX/XX/XXXX - receive a delinquent notice from them stating they never received my XX/XX/XXXX payment. called and left a message stating that I need this straightened out Please note that I have had this mortgage for many years and have never paid late. It has been sold multiple times during my 18 years in my home and this is the first time I have every had issues. My credit score is excellent and I have made every payment. I paid the escrow shortages and they credited to the principle | 1 | 0.0% | and once they process that |
| or XX/XX/XXXX payments. I told XXXX that this doesn't make any sense and to please specify what closing costs were misapplied. '' He told me the VA funding fee and escrow. '' I told him I paid the VA funding fee as part of my closing costs | 1 | 0.0% | I spoke with a supervisor at Planet named XXXX XXXX XXXX told me that Planet did receive my mortgage payments in full and on time since I purchased the house. He also confirmed that all closing costs were paid in full at the time of closing. He then told me that on XX/XX/XXXX |
| or XX/XX/XXXX. | 2 | 0.0% | XXXX |
| or XXXX | 5 | 0.0% | apologized for the delay |
| or XXXX ( see my attached Consolidation application screen captures of XXXX XX/XX/XXXX ). I never would have left XXXX and Consolidated my loans with StudentAid.gov if I had known that I was only being BAITED into a Standard repayment plan with Mohela for {$290.00} per month. With low Social Security annual income | 1 | 0.0% | etc. |
| or XXXX credit agencies. | 1 | 0.0% | I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX ( c ) and hereby demand that Resurgent |
| or XXXX XXXX for five years | 1 | 0.0% | while you assert we have violated the FDCPA please know that Spotloan is not a debt collector under the FDCPA. Further |
| or XXXX ( hereafter the Credit Reporting Agencies ) faulty procedures | 1 | 0.0% | Equifax |