| or obligations through your access to credit | 3 | 0.0% | contract |
| or obsolete accounts listed below. I am asserting my rights under : - * * FCRA 609 ( a ) ( 1 ) * * Right to view full file and documentation - * * FCRA 611 ( a ) * * Right to dispute and reinvestigate inaccurate items - * * FCRA 623 ( a ) ( 5 ) * * Duty of furnishers to report accurate data - * * FDCPA 809 ( b ) * * Right to request debt validation from collectors These items are being reported without proper verification | 1 | 0.0% | you should have more than enough time to remove these inaccurate accounts from my credit |
| or obsolete accounts listed below. I am asserting my rights under : - * * FCRA 609 ( a ) ( 1 ) * * Right to view full file and documentation - * * FCRA 611 ( a ) * * Right to dispute and reinvestigate inaccurate items - * * FCRA 623 ( a ) ( 5 ) * * Duty of furnishers to report accurate data - * * FDCPA 809 ( b ) * * Right to request debt validation from XXXX These items are being reported without proper verification | 1 | 0.0% | you should have more than enough time to remove these inaccurate accounts from my credit |
| or obsolete data must be removed immediately | 48 | 0.0% | you are required to provide full validation of this account |
| or obtain favorable terms for various financial transactions. | 1 | 0.0% | nor have they proved that they have an original contract with wett ink signature |
| or obtain lower interest rates. | 1 | 0.0% | such as late fees |
| or obtain mortgage relief. | 1 | 0.0% | I informed XXXX XXXX that I was fully prepared to cover my own down payment out of pocket ( I also had verifiable funds to support ). However |
| or obtained my data from Experian. | 1 | 0.0% | data misuse |
| or of a person against the United States XXXX for the payment of money or for the delivery of property. '' In the context of XXXX situation | 1 | 0.0% | we must analyze the relevant legal frameworks |
| or of any furnisher of information that contacted the consumer reporting agency | 3 | 0.0% | I request that you investigate this matter and provide me with a copy of the certification |
| or of any services rendered | 1 | 0.0% | I will also inform you that if your offices have reported invalidated information to any of the major credit bureaus |
| or of the mails or of any facility of any national securities exchange | 1 | 0.0% | which now was stolen by Capital One NA which has not return the payment I sent them a Notice of Default under 12 US 504 ( a ) and was ignored with no respond about the Notice they respond without a name who was responding this is so dishonorable as a director |
| or offer a modification with terms requested. Not all loans qualify for a modification. Please call Ocwen at XXXX if you are interested in looking into a modification | 1 | 0.0% | Ocwen is more than willing to take a fresh look at your loan situation if circumstances have changed. The settlement agreement doesnt change who may or may not be eligible for a modification. Any principal forgiveness or alternate loan modification |
| or offer proper resolution. | 1 | 0.0% | a closed checking account |
| or offer us another apartment at the same rate. Management was unwilling to cooperate with my request. The only offer they were willing to make was to offer me another apartment at a higher rate. I was also informed that I would have to reapply for a new lease. | 1 | 0.0% | The tenant in the apartment above me |
| or offered any workable solution.,,American Credit Acceptance | 1 | 0.0% | my XXXXXXXX XXXX XXXXXXXX was broken into 14 times due to a known XXXX XXXX XXXX. I paid {$10000.00} out-of-pocket for window replacements ( including {$1400.00} at XXXX XXXX and {$100.00} XXXX XXXX ) |
| or offering a settlement. I was told no assistance was available. | 1 | 0.0% | Capital One continues to charge around {$30.00} to {$35.00} in interest |
| or offering me an opportunity to present my side of the story. I was treated as though I had committed fraud | 1 | 0.0% | I believe my responsibility should be limited to the personal financial loss I suffered. It is deeply unfair that Santander Bank penalized me further by closing my account without any formal investigation |
| or offers of credit as a result : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries should be immediately removed as unauthorized under the FCRA. Their presence negatively affects my credit profile and violates my consumer rights. | 1 | 0.0% | as they are inaccurate and not affiliated with me : XXXX XXXX XXXX |
| or omission | 1 | 0.0% | in its foreclosure notice schedule for XXXX/XXXX/XXXX never recited the FDCPA MIRANDI as specified in the Act. Furthermore |
| or on account of his or her having aided or encouraged any other individual in the exercise or enjoyment of | 1 | 0.0% | coercion |
| or on an applicable schedule if the debt is a business debt. See Publication 4681 | 1 | 0.0% | you must report any taxable amount of a canceled debt as ordinary income from the cancellation of debt on Form 1040 |
| or on an applicable schedule if the debt is a business debt. See Publication 4681. | 3 | 0.0% | you must report any taxable amount of a canceled debt as ordinary income on Form 1040 |
| or on an applicable schedule if the debt is a business debt. See Publication 4681.,,Resurgent Capital Services L.P.,CA,91356,,Consent provided,Web,2024-01-16,Closed with explanation,Yes,N/A,8181140 | 1 | 0.0% | you must report any taxable amount of a canceled debt as ordinary income on Form 1040 |
| or on my cell ( XXXX ) XXXX. | 1 | 0.0% | XXXX XXXX XXXX MERRILLY LYNCH MORTGAGE INVESTORS INC. Even though XXXX XXXX XXXX stated that effective XX/XX/XXXX |
| or on the calls with the scammers did I explicitly authorize any of these transfers. We were advised to file a police report and to provide a written statement of what occurred so that Chase can open an investigation. The Chase representative at this branch then closed our account and opened a new account where she transferred the remaining funds. I then asked how they can prevent this from happening again with the new account. The representative informed us that they would lock or restrict the mobile banking and online banking access to our account. | 1 | 0.0% | we discovered the fraudsters had withdrawn {$9500.00} on XX/XX/XXXX |
| or one or more of your most recent transactions with amounts and dates.,,Professional Recovery Management,FL,328XX,Servicemember,Consent provided,Web,2022-10-12,Closed with explanation,Yes,N/A,6080211 | 1 | 0.0% | for example |
| or one week | 1 | 0.0% | which I would imagine happens when an account is hacked |
| or online | 1 | 0.0% | Wholesale Clubs and Select Streaming Services from XX/XX/XXXX ( or the date on which you activate 5 % |
| or online ( Fair Credit Reporting Act | 2 | 0.0% | after multiple attempts to access my TransUnion account |
| or online applications without my explicit consent. Under FCRA 604 | 3 | 0.0% | collections |
| or online platform access is not proof of cardholder consent and does not satisfy FCBA evidentiary standards. The bank also failed to prove that I received or accepted the merchandise. There is no signed delivery receipt | 1 | 0.0% | no chip |
| or only applied to one of our accounts ( possibly the closed one rather than the active joint account ). | 1 | 0.0% | the merchantXXXX XXXX received our new card number and successfully charged the account. Prior to this |
| or only partially completed | 1 | 0.0% | but neither XXXX XXXX nor XXXX took any action to implement more stringent inspection measures. For example |
| or open obligations exist. The closed date | 5 | 0.0% | under Ohio Revised Code 1345.02 |
| or opening new accounts for her. Again | 1 | 0.0% | Navy Federal has made no attempts at trying to contact me to collect the balance due on this account. They have my social security number and my current credit bureau report reflects my correct address |
| or operates unethically | 1 | 0.0% | after not receiving a refund for the item. Capital One provided a credit for the amount of {$530.00} to my account. To my surprise |
| or opportunities of | 43 | 0.0% | or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy |
| or opportunity to correct or resubmit. Their silence and closure of access without communication appear not only arbitrary but calculated. | 1 | 0.0% | Chase has already been formally notified of the Trusts lawful status |
| or opportunity to cure. | 1 | 0.0% | 607 ( b ) |
| or opt in | 1 | 0.0% | a financial institution holding a consumer 's account shall not assess a fee or charge on a consumer 's account for paying an ATM or one-time debit card transaction pursuant to the institution 's overdraft service |
| or opt-out opportunity | 1 | 0.0% | the bank 's unauthorized transmission of my personal financial data including my SSN |
| or opts in | 1 | 0.0% | Final Rule |
| or or apparent authority for such and from which the cardholder receives no benefit.,,EQUIFAX | 1 | 0.0% | 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose |
| or or apparent authority for such and from which the cardholder receives no benefit.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NY,10037,Servicemember,Consent provided,Web,2024-10-28,Closed with explanation,Yes,N/A,10592708 | 1 | 0.0% | 15 U.S. 1666b ( a ) creditor may not treat any payment late for any purpose |
| or or using the E Oscar System to input codes is not sufficient verification. | 1 | 0.0% | if the debt cant be verified within 30 days |
| or or using the E Oscar System to input codes is not sufficient verification.,,EQUIFAX | 2 | 0.0% | if the debt cant be verified within 30 days |
| or or using the E Oscar System to input codes is not sufficient verification.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,92336,,Consent provided,Web,2020-06-25,Closed with non-monetary relief,Yes,N/A,3715650 | 1 | 0.0% | if the debt cant be verified within 30 days |
| or or using the E Oscar System to input codes is not sufficient verification.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,XXXXX,,Consent provided,Web,2020-06-25,Closed with explanation,Yes,N/A,3714790 | 1 | 0.0% | if the debt cant be verified within 30 days |
| or or using the E Oscar System to input codes is not sufficient verification.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 3 | 0.0% | if the debt cant be verified within 30 days |
