| these inquiries must be deleted immediately. | 1 | 0.0% | XX/XX/XXXX |
| these inquiries must be removed for failure to meet compliance standards. Despite my previous disputes | 1 | 0.0% | without my consent |
| these inquiries require provable permissible purpose with my direct authorization | 2 | 0.0% | as required under CDIA guidelines Full compliance with 15 USC 1692 ( FDCPA ) |
| these instruments are valid as negotiable instruments | 1 | 0.0% | N.A. |
| these issues persist on my ChexSystems report. | 1 | 0.0% | negatively affecting my ChexSystems consumer score |
| these items constitute XXXX XXXX fraudulent reporting and must be removed.,,EQUIFAX | 1 | 0.0% | with a balance of {$1200.00} A credit account with XXXX XXXX opened on XX/XX/XXXX |
| these items have been verified without proof | 2 | 0.0% | Equifax |
| these items must be deleted from my credit report. | 1 | 0.0% | XXXX - XXXX |
| these items must be immediately removed from my credit reports. | 1 | 0.0% | XXXX XXXX |
| these items must be permanently deleted. | 2 | 0.0% | the reporting of unverified |
| these items must be removed immediately. | 3 | 0.0% | under FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ) |
| these items remain verified. I questioned why the bureau verified these items without obtaining the necessary documentation | 3 | 0.0% | I insist on seeing Verifiable proof specifically |
| these items should have been deleted when proper verification could not be provided. | 3 | 0.0% | I demanded full verification |
| these items were being sold under one of their big promotions | 1 | 0.0% | him being on the phone |
| these items were called charge backs on my account and no one could explain to me what this meant-maybe you had an amount out there for that amount and it is being returned | 1 | 0.0% | and that the account must be frozen |
| these late entries appear inconsistent. I request a reinvestigation of both months and correction to reflect paid as agreed | 2 | 0.0% | demonstrating my consistent repayment history. The notation of a 30-day late in XX/XX/XXXX appears inconsistent with the way this account was maintained. During that time |
| these late payments were reported to the credit bureaus | 1 | 0.0% | I experienced financial hardship |
| these lates can not legally remain on my report Instruction : Reinvestigate and remove or correct the inaccurate late payment history immediately ACCOUNT XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} Late Payment Law : FCRA Section 611 and Section 609 give me the right to dispute and request verification Issue : Late payment history is inaccurate Story : I dispute the lates being reported because no signed agreement | 1 | 0.0% | MI XXXX Law : FCRA Section 607 ( b ) requires credit bureaus to delete inaccurate addresses Issue : This is a false variation of the previous address and is not my residence Story : This extended address does not exist in my history |
| these legal exchanges have underscored the stark violation of the Pennsylvania Fair Credit Extension Uniformity Act ( PFCEUA ) and federal Fair Debt Collection Practices Act ( FDCPA ). Notably | 1 | 0.0% | starting with a single communication in XX/XX/XXXX and culminating in a bullying lawsuit served on XX/XX/XXXX |
| these letters states that my FICO score was obtained from XXXX | 1 | 0.0% | a recent payment was returned by American Express ( this was due to American Express waiting days later to deduct funds from my bank account rather than immediately when I placed my account payment ) |
| these loans do not qualify as true education loans per the bankruptcy code. Therefore | 1 | 0.0% | inXX/XX/XXXX-XX/XX/XXXX I took out loans to help pay for living expenses during college. These loans were advertised as alternative education loans |
| these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods | 2 | 0.0% | 15 USC 1681b ( a ) ( c ) ( 2 ) |
| these must be deleted In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | CA XXXX These address is inaccurate and do not belong to me or were never associated with any of my credit accounts Law Issue : FCRA Section 611 and 609 ( c ) ( 1 ) ( A ) give me the right to dispute and have inaccurate personal information removed Story : I have never resided at these addresses or used them on any credit application. Including these on my report misrepresents my identity and may lead to fraud or confusion. I demand immediate deletion of these address from my credit file and request documentation verifying how and why these address were added DISPUTED ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA Section 602 and 623 ( a ) ( 1 ) ( A ) Data furnishers must ensure maximum possible accuracy Story : This account shows a late payment despite a {$0.00} balance. This inconsistency suggests reporting errors or timeline mistakes. I request a reinvestigation into the alleged delinquency and demand this derogatory mark be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00} Chargeoff * * Law Issue : FCRA Section 611 and 623 ( a ) ( 5 ) Furnishers must report accurate status and proper charge-off timing Story : I do not recall authorizing this account or the amount charged off. I request full documentation including signed agreements and billing statements. If none can be provided |
| these must be deleted XXXX XXXX XX/XX/XXXX Hard Inquiry Law Issue : FCRA 604 and 615 Requires consumer authorization Story : I did not apply for credit with XXXX on this date and therefore did not authorize this inquiry. Please remove it if authorization can not be proven XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry Law Issue : FCRA 604 ( a ) ( 2 ) and 607 Must be initiated by consumer Story : This inquiry was unauthorized and I request that XXXX XXXX XXXX Finance provide evidence of my application. Otherwise | 1 | 0.0% | CA XXXX These addresses are inaccurate and do not belong to me or were never associated with any of my credit accounts Law Issue : FCRA Section 611 and 609 ( c ) ( 1 ) ( A ) give me the right to dispute and have inaccurate personal information removed Story : I have never resided at these addresses or used them on any credit application. Including these on my report misrepresents my identity and may lead to fraud or confusion. I demand immediate deletion of these addresses from my credit file and request documentation verifying how and why these addresses were added DISPUTED ACCOUNTS XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : FCRA Section 602 and 623 ( a ) ( 1 ) ( A ) Data furnishers must ensure maximum possible accuracy Story : This account shows a late payment despite a {$0.00} balance. This inconsistency suggests reporting errors or timeline mistakes. I request a reinvestigation into the alleged delinquency and demand this derogatory mark be removed XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00} Chargeoff * * Law Issue : FCRA Section 611 and 623 ( a ) ( 5 ) Furnishers must report accurate status and proper charge-off timing Story : I do not recall authorizing this account or the amount charged off. I request full documentation including signed agreements and billing statements. If none can be provided |
| these past periods should be applied to loans when they are separated | 1 | 0.0% | through hardship deferments and through over a decade of public service. The rules are still unclear and we are stuck in an administrative hold with no communication from the DOE or XXXX. Had we known this |
| these payments shows to be processed on XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX CITI Payment Payment XXXX {$3000.00} Bank XXXX XXXX XXXX CITI PAYMENT XXXX : PAYMENT ( ID : CITIXXXX XXXX ) {$6100.00} Citizens Bank - PREAUTHORIZED DEBIT CITI PAYMENT PAYMENT {$3000.00} XXXX XXXX- I started to have trouble processing my credit card and was notified via email that my credit card has been cancelled. Apparently the old 3 checks for the XXXX payment finally arrived at Citi after the checks had been cancelled with my banks and Citi tried to cash them. They had already been cancelled and therefore Citi cited this as a reason to shut down my credit card. I would like to reiterate that I cancelled the checks at the suggestion of Citi 's Customer Service Department. | 1 | 0.0% | in the form of 3 checks as I typically do from my different personal and business bank accounts -XXXX XXXX XXXX XXXX {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX {$6000.00} -Citizens Check - {$3000.00} XX/XX/XXXX - I received the XXXX statement saying the XXXX payment had not been received. I immediately called Citi 's Customer Service line and they confirmed the same. As I've dealt with stolen checks before with the Post Office |
| these people ripped off people during the holidays. I am a hard working mom who was buying a XXXX present for my husband. It is sad and upsetting. | 1 | 0.0% | I filed a dispute with Citi Bank. I have attached my email logs |
| these positions could not be used to qualify our mortgage loan application as we would not be receiving paystubs until 90+ days after our scheduled closing date. Given that we already had relayed that we'd like to use our current jobs to qualify for the loan | 1 | 0.0% | we began the process of uploading numerous supporting documents to our application. This was time-consuming because many documents would get sent back to us. On XX/XX/XXXX |
| these practices may amount to violations of the Fair Credit Reporting Act | 1 | 0.0% | A REPEAT OFFENDER |
| these practices,,EQUIFAX | 1 | 0.0% | in XXXX |
| these processes are only a means of stonewalling the removal of PMI from the above mortgage. | 1 | 0.0% | XXXX which was in response to my letter and documentation of XXXX XXXX |
| these programs are a way for AES and other government finance agencies to earn income from American Citizens. | 1 | 0.0% | they are disregarding the intent of the PSLF Program and are using any means they can invent to retain as much loan repayment income as possible. Indeed |
| these promissory notes do not disclose any adequate amount of the finance charge | 1 | 0.0% | finance charges including interest rate |
| these receivables are then transferred to Discover Card XXXX XXXX XXXX XXXX XXXX XXXX. Subsequently | 1 | 0.0% | particularly their Pooling and Servicing Agreement |
| these repeated declined payments made me suspicious of my bank | 1 | 0.0% | and therefore |
| these report are all showing inaccurate information and they are missing information and not reporting 100 % accurate per the FCRA please delete from all three credit bureau | 2 | 0.0% | — |
| these reported lates can not be considered accurate. Failing to ensure complete validation makes the bureau complicit in false reporting. Any continued publication of unverified late payments is a willful violation of federal law | 1 | 0.0% | but the history reported is inconsistent and does not match actual records. My rights under FCRA 1681e ( b ) guarantee that only accurate information may be reported |
| these representations were false. | 1 | 0.0% | the loan review and approval process was virtually unmonitored. For loans XXXX XXXX purchased through its XXXX |
| these representatives are debt collectors | 1 | 0.0% | but each time I called |
| these same inquiries were subsequently reinserted into my credit file without any proper explanation or the required reinvestigation notices | 1 | 0.0% | I submitted disputes to TransUnion regarding several unauthorized inquiries that appeared on my credit file. These inquiries were made by creditors with whom I have no accounts |
| these suggestions will take longer to cure.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,NC,28079,,Consent provided,Web,2022-07-29,Closed with explanation,Yes,N/A,5779830 | 1 | 0.0% | I suggest Lowe 's work towards putting better risks and controls in place to mitigate these types of system errors |
| these things are not waived and if you don't have an updated ledger | 1 | 0.0% | on XX/XX/XXXX |
| these things take time to cycle through. | 1 | 0.0% | the rep told me that is the address for mail correspondence |
| these tradelines are now flagged as UNDER DISPUTE '' despite no disputes being initiated or authorized by me whatsoever. | 1 | 0.0% | on or around XX/XX/year> |
| these transactions qualify as unauthorized electronic fund transfers. The burden of proving authorization rests with the financial institution. As a senior citizen under California law | 1 | 0.0% | XXXX XXXX XXXX and I notified the bank immediately on XX/XX/XXXX and requested a formal Regulation E investigation. I also requested a full accounting of the transactions |
| these transactions took place while my money clip WAS NOT in my possession and I would surely NOT authorize such ridiculous amounts on 3 credit cards almost totaling $ XXXX! They were stolen and used for a period of time by the staff after they XXXX me. Moreover | 1 | 0.0% | for a significant period of time on that night my money clip was not in my possession. My friend attempted twice to find me in the establishment. Only for the bouncers to lie to him that I was not there. Finally |
| these transfers were inexplicably halted due to audits initiated by your compliance team. | 1 | 0.0% | over the past two months |
| these two card might be missing by the fault of XXXX since we have many delivery issues with XXXX already. | 1 | 0.0% | which I have never received. And I suspect the possible illegal usage of card in my name. Now |
| these two charges were removed from my account/bill. However | 1 | 0.0% | my husband 's car window was broken |
| these two firms are deliberately absolving themselves of any responsibility for correcting errors in the transaction that they committed. They choose to punish rather than listen to customers! By doing so -they forego the opportunity for improvement in this aspect of transaction for a large number of transactions | 2 | 0.0% | Citibank chose to sell this to another firm. In doing so |