| that reporting to the credit bureaus is discretionary and not mandatory requirement. XXXX effectively admitted in writing in an internal email to me through the secure e-messaging platform | 1 | 0.0% | to-date and retroactively have and continue to expose me to financial losses every single week. XXXX legal department also sent an email to me |
| that responsibility has not been fulfilled in this case. | 1 | 0.0% | disregard published court precedent such as : XXXX XXXX TransUnion XXXX |
| that reviews were taking a long time | 1 | 0.0% | they have counted 8 qualifying payments for all of my loans except by two direct consolidation loans ( which make up the bulk of my balance ). These consolidation loans show zero qualifying payments. I requested a review of this on XX/XX/XXXX ( as PSLF is not useful to me if it will not include these large loans ) |
| that said that I owed {$20000.00}. Finally | 1 | 0.0% | even if they had the right to collect on the debt. In a XX/XX/XXXX |
| that sale should have been cancelled by the court without the need for hearing based upon CFPB rules or the Plaintiff could have simply | 1 | 0.0% | XXXX Based upon that complete loan modification submission |
| that same day I requested they remove the Escrow from our account. This was approved on XX/XX/2023 | 1 | 0.0% | due to the other situation we will explain at the end. It was enough to cover the Principal and Interest ( P & I ) payment of {$2700.00} |
| that same question/statement was brought back up by her and she then agreed that we probably wouldnt be having that conversation had that document required a signature. She also stated that she would pass along my suggestion that the bids should require a signature | 1 | 0.0% | most of which she evaded as I expected. I stated that if that document was required to be signed by me |
| that say the exact same thing. | 1 | 0.0% | to take our money. We currently have a Lawsuit against the Non-Federal Entity for Falsifying Information |
| that secures my property. They are HELPING / ASSISTING Passively | 1 | 0.0% | If XXXX XXXX does NOT want to be involved |
| that seems rigged and it is already rigged in your favor. I was not {$6.00} below {$1000.00}. I spent over {$1000.00} by XX/XX/XXXX and I want the {$200.00} cash back. You authorized the payments on XX/XX/XXXX | 1 | 0.0% | my US Bank checking account in XX/XX/XXXX |
| that seems wrong like 'bate and switch '. | 1 | 0.0% | he would lock 7.375 % / XXXX yr fixed with XXXX point. He said payment ~ {$1100.00} |
| that settlements were pending. No accounts were ever negotiated and/or settled. I am submitting documents to support this claim.,,Citizens Debt relief LLC,FL,344XX,Older American,Consent provided,Web,2025-06-03,Closed with explanation,Yes,N/A,13863368 | 1 | 0.0% | and he/she must directly authorize Any and All settlements before Any funds are transferred to his/her creditors. This activity was systematic monthly until I became aware of the fraudulent activity on XX/XX/XXXX after gaining access to my XXXX account upon demanding and receiving login access from XXXX XXXX Customer Service Agent with Citizens Debt Relief via e-mail. On XX/XX/XXXX I contacted the Operations Manager ( XXXX XXXX ) for ( XXXX XXXX XXXX XXXX XXXX for details on the withdrawals from my saving |
| that several ( a total of 7 ) of the attempted but stopped transactions took place after I had issued a stop on the card. I also noted that 1 ) I rarely use my debit card and 2 ) if my bank of america debit card was rejected 7 times | 1 | 0.0% | XX/XX/2019 to provide further information and give the name of the card that mine was replaced with. In speaking with the member from Bank of America |
| that she ( the rep ) would email my local branch to request that the branch initiate contact with XXXX XXXX. | 1 | 0.0% | XXXX/XXXX/XXXX |
| that she could not do anything to stop a card from being issued in my name | 1 | 0.0% | that it would affect my credit |
| that she had been very unprofessional and that Im XXXX XXXX XXXX and was visibly shaking and my voice was cracking indicating distress. I also infomred her that I overheard at least one employee spaking about the indicent from over 20 feet away | 1 | 0.0% | be present to witness any conversations |
| that she is the only person that I could talk to | 2 | 0.0% | My XXXX ( proving my current ) address as well as my social security card.I called back today to check the status of the information I sent and was told by a supposed '' Office of Consumer Affairs Supervisor ( XXXX XXXX ID XXXX ) that they have not received my information and that my information might have been dis-guarded because it was not the correct information. I explained to her that this was the EXACT information that was requested from me and she said well you need to mail it because we don't have it. When I inquired where my PERSONAL PRIVATE information was that I sent to a supposed '' secure fax number that was given to me by her equifax representative |
| that she was assigned to our refi and was working on getting your loan through initial review so we ( NFCU ) can get your loan closer to closing. On XX/XX/2020 | 1 | 0.0% | Mortgage Processor III and XXXX XXXX |
| that she was not timely with submitting the contract to Ameris for underwriting review | 1 | 0.0% | I received a call on the afternoon of XXXX from the branch manager. While the conversation seemed genuine at first as if there was an attempt to assist me with my mortgage issue |
| that she would be the XXXX helping me with this issue. | 1 | 0.0% | XXXX allowed me to reach XXXX |
| that shes submitted these complaints but does not have the decision making power to do anything about it.,,CAPITAL ONE FINANCIAL CORPORATION,VA,23223,,Consent provided,Web,2024-01-25,Closed with monetary relief,Yes,N/A,8219260 | 1 | 0.0% | leading to a higher likelihood of missed payments. They dont show credit card payments as processing on checking accounts but show other processing transactions |
| that should be clearly stated on my credit report | 2 | 0.0% | but the status of this account is unclear. The report indicates that the account was closed |
| that should have been investigated more so due to the fact I spoke with the agent over the phone and stated that the XXXX dispute was not from me and Id like if they can look into that as well. Adding onto that | 1 | 0.0% | all security measuresincluding Face ID |
| that should not be counted as a late charge. It was in dispute! | 1 | 0.0% | XXXX & XXXX ) the {$100.00} as a charge off |
| that should only be communicated with me by letter | 2 | 0.0% | I have been receiving harassing phone calls |
| that should prove that my balance should stay the same {$31000.00} as of XX/XX/XXXX when the XXXX | 1 | 0.0% | but they can see payments that have been reversed. So |
| that shouldn't have been permissible to go through | 1 | 0.0% | and rightfully so |
| that shows that I was approved. | 1 | 0.0% | the information they are reporting is inaccurate |
| that shows the item delivery address was changed during transit on Thursday XX/XX/XXXX at XXXX | 1 | 0.0% | where they sent two replies at the same time. One being the original findings dated XX/XX/XXXX |
| that shows they did have my address ( not changed in XXXX years ). XXXX also said my account was not closed and was restricted ''. XXXX promised to call me XXXX XXXX with more information. I did get a call from her on XXXX XXXX | 1 | 0.0% | I phoned HSBC |
| that simply can not afford to throw money away on bank fees. If this issue can not be resolved | 2 | 0.0% | I was told that I may opt in to overdraft protection |
| that since I have signed the paper | 1 | 0.0% | I immediately called bank of america on XX/XX/XXXX to request a refund |
| that since our property was in a high risk fire area we would need to find our own fire insurance. We worked with XXXX XXXX XXXX and established our insurance policy | 1 | 0.0% | to get clarification as to where |
| that solar does not absorb all the electrical cost for HVAC usage either. That communication would have been nice int he sale pitch. | 1 | 0.0% | we would not have pursued a business relationship |
| that some of their investors were going to offer me. I was told they had mail the papers | 1 | 0.0% | I wanted to know what amount I owed |
| that someone can open a credit card in my name and rack up over {$18000.00} worth of fraudulent charges. Also | 1 | 0.0% | she was honestly no better |
| that someone reapplied payments for 4 of the 6 reversals and it reflected a loan due date of XX/XX/XXXX when it should be XX/XX/XXXX. While it seems someone adjusted these errors | 1 | 0.0% | the agent told me that my loan was due on XX/XX/XXXX. I told him this was a gross error |
| that someone would contact us within 24 hours. This went on for several months ( XXXX to be exact ). Finally one representative said that unfortunately the payment deferral agreement did not explain how this option worked correctly. That we agreed to enter into a balloon payment | 1 | 0.0% | I went online to make sure the auto-pay was activated |
| that specializes in Federal and State laws | 1 | 0.0% | XXXX XXXX |
| that specific information is inaccurate ; and ( ii ) the information is | 3 | 0.0% | the term consumer report does not include ( A ) subject to section 1681s3 of this title |
| that specific information is inaccurate; and ( ii ) the information is | 6 | 0.0% | 15 USC 1692g. I dispute the validity of this debt and am immediately requesting that you provide the following information : 1. The original contract binding me to this so-called debt. 2. The PAYMENT HISTORY with the original creditor and balance. 3. Copy of PROOF OF DEBT ASSIGNMENT. 4. Proof that I legally owe this debt to YOUR agency. 5. Proof that you are licensed and able to collect on this debt in my state. 6. The original PURCHASE AGREEMENT. This inaccurate information needs to be re-investigated immediately by both the Credit reporting agencies and the furnishers of this information that is appearing on my consumer report. NOTE : As you can see within the screenshots that I have attached |
| that standard is not being met.,,EQUIFAX | 1 | 0.0% | and it is very clear that this account is tied to someone elses identitynot mine. I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it |
| that stated the transaction was authorized and my claim was closed. | 1 | 0.0% | XX/XX/XXXX |
| that stated they conducted an investigation and found that my payment was late. Nowhere on the correspondence did it state that they investigated the website activity | 1 | 0.0% | I have contacted customer service XXXX XXXX |
| that stated this Dear customer | 1 | 0.0% | signed by XXXX XXXX |
| that states I am not eligible to receive the funds because their records state I opened to accounts in under six months so I wont be receiving the promised {$200.00}. How much sense does it make that a poor person | 1 | 0.0% | I called and was told 120 days.After 120 days |
| that states the unauthorized charge was resolved. Now | 1 | 0.0% | XXXX |
| that stipulation is legally moot. | 1 | 0.0% | which I signed and returned. This agreement itself had no expiration date on it |
| that substantiate my claims. This violation undermines the integrity and accuracy of my credit report. | 1 | 0.0% | furnishers of information to consumer reporting agencies |
| that substantiate my claims. This violation undermines the integrity and accuracy of my credit report.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,33028,,Consent provided,Web,2024-09-04,Closed with explanation,Yes,N/A,10020521 | 1 | 0.0% | furnishers of information to consumer reporting agencies |
