| or an extension of the pay-off period to lower my monthly payment I.e. a new 20 year mortgage. | 1 | 0.0% | I followed my servicer instructions |
| or an immediate refund. '' And these behaviors were the constant norm by XXXX.XXXX litany of agencies that I came in contact with repeatedly to fix all matters across the board. '' And then it became apparent that all such agents were not up to the task by any means of decency 's as they made verbal promises to wait for a manager of theirs to reach out for a resolution | 1 | 0.0% | I later detected a surprising and added on surcharge as a service fee amounting to {$19.00} |
| or an individual acting on behalf of or as a personal representative of a consumer | 1 | 0.0% | if such a predictor was in fact a key factor that adversely affected such score. This paragraph shall not apply to a check services company |
| or an Insurance Claim ; 8. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to Metro-2 compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry | 3 | 0.0% | XXXX XXXX. XXXX ) ; XXXX. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt |
| or an Insurance Claim ; 8. Please describe your Credit Bureau Reporting system and the credit reporting mechanism your firm utilizes in regards to XXXX compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry | 5 | 0.0% | XXXX XXXX. XXXX ) ; 4. Have you determined that alleged debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt |
| or an invalid debt | 1 | 0.0% | LLC has the legal authority to collect on it. Under the Fair Debt Collection Practices Act ( FDCPA ) |
| or an line that listed the interest owed | 1 | 0.0% | the same as it 's been since XX/XX/XXXX. I figured since my next payment was n't due until XX/XX/XXXX they must not be charging me interest until then either. So a few months ago I started making payments and just noticed that despite me paying several hundred dollars my account balance was the same. I came to find out I 'd accrued about {$800.00} in interest that was only detailed by going to a XXXX Account Details page via a link on the normal Account details page |
| or an outdated/unresolved issue without proper validation. I have attached the full TransUnion Dispute Investigation Results PDF ( dated XX/XX/XXXX ) | 1 | 0.0% | statements |
| or an update to my credit reports ( XXXX | 1 | 0.0% | I request that Datamax Corporation be removed from my credit reports ( XXXX |
| or analytics tied to me A list of all third parties ADP has shared my data with ADP acknowledged they are governed by the Fair Credit Reporting Act ( FCRA ) by sending me a Summary of Rights Under the FCRA | 1 | 0.0% | including : All personal identifying information All employment records All background screening and consumer reporting data All employer-submitted notes |
| or ancestralremains my private intellectual property | 1 | 0.0% | body |
| or and I interested in taking on additional credit for this property. | 1 | 0.0% | despite the bankruptcy situation with the co-borrow. While I did n't not agree with the reporting |
| or annual notice that you most recently provided to that customer was accurate with respect to the new financial product or service | 10 | 0.0% | family |
| or another address provided by the institution under Section 231.307. | 1 | 0.0% | or in behalf of |
| or another associate | 1 | 0.0% | XXXX |
| or another instrument bearing my signature according to the Fair Credit Billing Act | 3 | 0.0% | like XXXX |
| or another instrument bearing my signature. | 2 | 0.0% | as in XXXX XXXX XXXX XXXX XXXX |
| or another lending institution. XXXX XXXX and XXXX XXXX have suffered tangible damage because of XXXX XXXX XXXX non-disclosure. | 1 | 0.0% | to their obvious detriment |
| or another status. | 1 | 0.0% | I watched thousands of dollars in my account deplete |
| or another third party | 1 | 0.0% | qualified 501 ( c ) ( 3 ) organizations who go through the verification process are eligible for a discount for online transactions : Nonprofit Discount Rate : 2.2 % + {$0.00} Sadly |
| or answer customers. | 1 | 0.0% | false claims of debts |
| or answer my questions regarding the reasons for the consistent account restrictions | 1 | 0.0% | stating that this device ( XXXX XXXX ) is connected to my verification process |
| or anticipate any changes with this banking relationships please give us as much advance notice as possible. If you would like to make additional payments | 1 | 0.0% | LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX |
| or any unapplied '' account.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,WELLS FARGO & COMPANY,VA,XXXXX,,Consent provided,Web,2017-03-16,Closed with explanation,Yes,No,2391475 | 1 | 0.0% | for the amount of XXXX and that if I paid the amount by XXXX 's payment my new payment would be XXXX I sent Wells Fargo |
| or any account statementsthey have furnished inaccurate and unverifiable information. | 1 | 0.0% | Liberty Mobile |
| or any action or omission taken by you in reliance on it | 1 | 0.0% | TITLE COMPANY AND CLOSING ATTORNEY TO CONFIRM ANY WIRING INSTRUCTIONS BEFORE YOU WIRE ANY FUNDS. The information in this email is confidential |
| or any actions for my stock portfolio. '' I received the letter on Friday | 1 | 0.0% | their letter did nothing to directly address or rectify the mishandling of my account. XXXX XXXX |
| OR ANY ADDITIONAL FEES INCURRED | 1 | 0.0% | ESTABLISHING YOUR PROOF OF CLAIM. MAKE SURE TO INCLUDE A CLEAR BREAKDOWN OF EACH |
| or any alert of any kind | 1 | 0.0% | unbeknownst to me |
| or any alternative to foreclosure. The foreclosure was completed in XXXX XXXX. I later found out that they denied short-sale and deed-in-lieu because we no longer lived in the house | 1 | 0.0% | we tried to work with original lender ( XXXX XXXX ) and GreenTree Servicing to avoid foreclosure. When I lost my job in XXXX XXXX we notified the original lender ( XXXX XXXX ) the first week that we were unable to make the $ 1750 monthly payments on our {$200000.00} mortgage. They were unwilling to work with me on new payment terms or allow a short sale. They threatened foreclosure |
| or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice | 1 | 0.0% | any possession or Commonwealth of the United States |
| or any associated companies or individuals ever claiming or suggesting that I may owe any outstanding balances from my auto lease. Now | 1 | 0.0% | with an up to date legal address |
| or any associated company. | 1 | 0.0% | XXXX |
| or any attempt to contact me via any medium or third party. | 1 | 0.0% | you are hereby directed to CEASE AND DESIST from any and all further communication with me regarding this alleged debt. This includes |
| or any balance that may be owed. Rep from XXXX told me the account with collection agency will be deleted | 1 | 0.0% | was very rude |
| or any class of individuals with XXXX from readily | 1 | 0.0% | Utilizing or applying eligibility requirements |
| or any communication concerning this unvalidated debt. If you continue to pursue collection without first providing the required documentation | 3 | 0.0% | you are in violation of the FDCPA |
| OR ANY COMMUNICATION FROM CHASE | 1 | 0.0% | DECLINED PURCHASE. I called Chase |
| or any communication from XXXX. | 1 | 0.0% | returned the vehicle as required |
| or any creditable auto financing company would have approved for a used vehicle. In addition | 1 | 0.0% | after he left XXXX came back with numbers regarding monthly payment and other fees for XXXX XXXX {$250.00} and XXXX {$490.00}. I explained that I did not want these services and asked why I had to pay for something the dealership did to vehicle when they acquired the vehicle. She kept insisting that I had to take services and that I could not refuse them. Then she introduces me to the finance guy XXXX. He sits at XXXX desk and I asked him about the two charges for services. He stated that I had to get them if I wanted to purchase vehicle and that it was not optional. XXXX also told me that my XXXX XXXX rate was too high and advised me to let him contact some other banks to get a lower interest and he also asked for my SSN Card. Flagship Credit Acceptance was the only financing option he was trying to use. He never contacted any other bank for financing. I explained I did not have my SSN card and asked why he needed it. He said I had a credit freeze with one of the credit bureaus. But if I didnt have it with me |
| or any date thereafter | 1 | 0.0% | the term reasonable cause to believe that the information is inaccurate means having specific knowledge |
| or any derivation of the name | 1 | 0.0% | XXXX _ day of XXXX XXXX Under Certified Mail Receipt # XXXX XXXX XXXX XXXX XXXX Respectfully presented Without prejudice '' U.C.C. 1-308 INDIVIDUAL ACKOWLEDGEMENT STATE OF PENNSYLVANIA XXXX XXXX XXXX CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC/ Resurgent Capital Services XX/XX/XXXX XXXX XXXX XXXX XXXX |
| or any description derived from my personal identifiable information Pursuant to 16 CFR 313.79 ( 3 ) you must comply with a consumers directions to opt out within a reasonable time You are damaging me and causing me mental anguish whereas I have reason to believe you are intentionally causing me harm According to 12 CFR Section 1016.15 ( a ) ( 1 ) ( 1 ) you may disclose non public information with the consent or at the direction of the consumer | 1 | 0.0% | Address |
| or any detail associated with this reporting. | 1 | 0.0% | notice |
| or any disputed portion thereof | 84 | 0.0% | Section 809 ( b ) |
| or any document demonstrating lawful authority to collect or report. | 1 | 0.0% | the company relied primarily on internally generated account summaries and servicing notes. These documents do not originate from the original creditor |
| or any document demonstrating that XXXX XXXX transferred ownership | 1 | 0.0% | which is : Factually incorrect Materially misleading A direct violation of FCRA 623 ( a ) ( 1 ) ( A ) This inaccurate status requires deletion.Your verification packet is legally insufficient You failed to provide : Original signed contract Bill of sale or assignment Proof of collection rights Proof of furnishing rights Accurate balance calculation Correct account statusBecause you can not verify the debt in accordance with FDCPA 809 ( b ) and FCRA 623 |
| or any documentary evidence. I submitted a second MOV request and received the same generic response. Merely stating that an account is verified does not satisfy the FCRAs XXXX of XXXX requirements. | 1 | 0.0% | Experian failed to conduct a reasonable reinvestigation as required by FCRA 611 ( a ) ( 1 ). The account continues to report contradictory information |
| or any documentation explaining how this account could lawfully reflect both a late status and a XXXX balance at closure. This type of misleading reporting violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information they know or should know is inaccurate | 2 | 0.0% | which reflects a balance of {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} |
| or any documentation explaining the resolution of the account. | 1 | 0.0% | good-faith efforts to return the vehicle |
