| or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. | 1 | 0.0% | section 808 |
| or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Since XX/XX/XXXX | 1 | 0.0% | affiant is aware and has proof in the attachment labeled as Exhibit A |
| or expense incidental to the principal obligation. Unless such amount is expressly authorized by the agreement | 1 | 0.0% | but has also wrongfully added charges which goes against the fair debt collection |
| or expense incidental to the principal obligation.,,Forster & Garbus LLP,FL,32221,,Consent provided,Web,2022-01-06,Closed with explanation,Yes,N/A,5080373 | 1 | 0.0% | including |
| or Experian to report any such information that is currently reflecting my credit report! XXXX | 1 | 0.0% | XXXX and Experian are not. I demand XXXX delete this immediately! XXXX is also REPORTING 2 DIFFERENT SOCIAL SECURITY NUMBERS on my consumer report! This is absolutely unacceptable and complete fraud! This is a complete violation of the Privacy Act of 1974 |
| or explanation | 1 | 0.0% | Bank of America issued me a debit card and set up an account for me. At that time |
| or explanation of their findings. Additionally | 2 | 0.0% | I submitted a dispute to [ name of credit bureau : Equifax |
| or explanation of unauthorized fees not included in the lease being verified. I had movers move me out and have proof of my final walk through photos. | 1 | 0.0% | listed below. In addition |
| or explanation of what documents were reviewed. I responded asking for documentation used in their determinationno documents or responses have been provided. | 1 | 0.0% | I immediately filed a dispute with PayfareXXXX XXXX XXXX XXXX XXXX |
| or explanation provided. I sent an email XX/XX/XXXX | 1 | 0.0% | XX/XX/XXXX ( over 25 days since processing began and well past the 14-day processing window XXXX typical 1-5 business day XXXX XXXX XXXX delivery ) |
| or explanation was provided. I asked for the reason for the denial and was told none could be given. I was also told there was no one above her to escalate to. | 1 | 0.0% | multiple representatives required me to repeat the reason for my call several times |
| or explanation. | 2 | 0.0% | my total monthly escrow payment to Ditech for taxes and insurance from XX/XX/XXXX to present should be about {$290.00} XXXX {$81.00} + {$110.00} + XXXX ). I may be required to have mortgage insurance on this property |
| or explanations related to my loans | 1 | 0.0% | XXXX XXXX 's answer could have been |
| or explanations. To date | 1 | 0.0% | Shellpoint has repeatedly issued generic |
| or exploitation.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | and it does not accurately represent debts I willingly incurred. Under FCRA 605C |
| or express consent between the parties. Under basic principles of commerce and XXXX Article XXXX | 1 | 0.0% | the Fair Credit Reporting Act ( FCRA ) |
| or extend the payment arrangement and was told by rep : XXXX ID # XXXX just pay as much as you can towards each one. You now owe from XXXX XXXX. Spoke to XXXX ID # XXXX on Monday XX/XX/XXXX @ XXXX ..if you can get the XXXX payment {$430.00} in by the XX/XX/XXXX | 1 | 0.0% | resulting from major vehicle repairs |
| or eye procedures. They talk the card up | 1 | 0.0% | approximately 700 - 800 more |
| or fabrication. I have repeatedly requested the complete e-signature audit trail and attribution data ( including IP logs | 1 | 0.0% | and I dispute the authenticity/attribution of the alleged contract terms and signatures. The documents reflect material inconsistencies in the alleged contracts creation/execution chain |
| or face criminal charges | 2 | 0.0% | XXXX is making inaccurate statements that they are attributing to me in their investigation that I never made. XXXX is stating I claim this person handled my finances '' which is not true |
| or facilitated | 1 | 0.0% | but that she would not provide any information to him. Therefore |
| or facsimile thereof. | 1 | 0.0% | deceptive |
| or facsimile thereof. RECEIVABLES OUTSOURCING | 1 | 0.0% | deceptive |
| or facsimile thereof. TSI contacted me again on XX/XX/XXXX | 1 | 0.0% | deceptive |
| or facsimile. Your actions to collect debt from me are : embarrassing - harassing - aggressive - deceitful - threatening causing emotional and physical duress causing undue stress. | 1 | 0.0% | cell and work phone You claim that I owe debt. I do not owe this debt |
| or failed to pay. They are debt collector and should report as so. | 1 | 0.0% | as a consumer |
| or failing to report information correctly | 1 | 0.0% | I am disputing the referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. by providing me with the following : 1. The full amount and complete accounting of this debt 2. Proof you are licensed to collect debts in Michigan or under what authority you claim to collect this debt in the State of Michigan |
| or failure to identify responsible parties constitutes continued noncompliance with consumer-protection obligations.,,PNC Bank N.A.,AL,36067,,Consent provided,Web,2025-12-18,Closed with explanation,Yes,N/A,18131944 | 1 | 0.0% | neutral |
| or failure to provide the required documentation | 1 | 0.0% | in compliance with North Dakota law |
| or fair lending rates. | 3 | 0.0% | {$1000.00} |
| or false identification documents ; It is not only the creditors responsibility | 2 | 0.0% | in a circumstance described in subsection ( c ) of this section knowingly and without lawful authority produces an identification document |
| or false statements | 1 | 0.0% | which a debt collector must send to me in writing by law before such an account is placed on my consumer profile. The notice must include : The amount of the debt The name of the current creditor My right to dispute the debt within XXXX days A statement that the debt will be assumed valid only if you dont dispute My right to request the original creditors name .This account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below |
| or falsely representing the creditor 's rights or intentions. | 1 | 0.0% | Inc. violated the North Carolina Fair Debt Collection Practices Act 58 70 110 Deceptive Representation : No collection agency shall collect or attempt to collect a debt or obtain information concerning a consumer by any fraudulent |
| or falsely threatening to take any action that can not be legally taken or is not intended to be taken. | 1 | 0.0% | which prohibits debt collectors from using any false |
| or falsely verified as accurate | 3 | 0.0% | matching address |
| or family members who are illegal immigrants over a {$260.00} monthly loan payment sent in later than the payment date. Although I 'm also being assessed a daily compounding late payment interest amount!!!!,,WHEELS FINANCIAL GROUP | 1 | 0.0% | and foremost |
| or fax. | 1 | 0.0% | I have received no written acknowledgment of my payment |
| or FDCPA is deceptive | 2 | 0.0% | I am the original creditor under FDCPA definitions ( 15 U.S.C. 1692a ) |
| or FDCPA violations : XXXX. XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX High Balance : {$8100.00} | Opened : XX/XX/XXXX | Status : Charge-Off * * The charge-off was placed without any prior notice or validation. | 1 | 0.0% | Charge-Offs |
| or federal agency has accepted my complaint or investigated the matter | 2 | 0.0% | which shows : No warrant was served No eviction order existed Deputies used military-grade firearms during entry Officials verbally discussed avoiding judicial signatures My removal was coordinated to occur before I could get a fair trial I will provide this footage to any lawful agency |
| or federal instrumentalities. | 1 | 0.0% | reporting |
| or fees. | 1 | 0.0% | Milestone shut down my account without warning. When I requested a copy of the verification letter they claim to have sent |
| or fiduciary owner. Additionally | 1 | 0.0% | it states that a New Customer '' is defined as : >New Customer Someone who does not currently have |
| or file a claim for that check. XXXX will not issue the check back to me unless I am verified by a local branch which is logistically impossible | 1 | 0.0% | check fraud |
| or file an appeal. | 1 | 0.0% | without an increase in interest rate and principal the total amount of interest and principal payments would equate {$570000.00}. Upon amortization of the Disaster Loan Modification |
| or file disclosures. This practice is : Inconsistent with FCRA 609 ( a ) Right to obtain file disclosures in a clear and accurate manner. | 1 | 0.0% | XXXX |
| or file this complaint with your agency. | 1 | 0.0% | I did a job for XXXX XXXX XXXX. He paid me with a check which I then deposit to Bank of America. Bank of America flags the check as fraud |
| or finalize.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,BANK OF AMERICA | 1 | 0.0% | my XXXX XXXX made me aware that my XXXX card had been removed from my XXXX. BoA did not make me aware of cancelling my XXXX card beforehand. I cant complete any electronic transactions or withdraw funds from a ATM using my XXXX XXXX XXXX card. BoA did not generate another XXXX XXXX card for me either. On XX/XX/XXXX |
| or finance charges. | 1 | 0.0% | XXXX XXXX representatives consistently stated that any penalties |
| or financial agreement with this lender. The appearance of this derogatory account is an error that has caused substantial harm to my credit profile | 1 | 0.0% | fraudulent |
