| the issues reappeared the very next day. After multiple unsuccessful attempts to resolve these problems | 1 | 0.0% | Florida |
| the issues remain unresolved. I have never been able to speak with a supervisor despite repeated requests.,,Fay Servicing | 1 | 0.0% | later reversed ) XXXX. ACH drafts ranging wildly from {$150.00} to {$7600.00} ( correct amount : {$5400.00} ) 4. Over {$18000.00} held in suspense while the account was reported XXXX days delinquent 5. XXXX corrective transactions in one year for what should have been XXXX simple payments 6. XX/XX/year> false collection call claiming late payment when account was current 7. Incomplete amortization schedule provided starting from date of request rather than from transfer date Despite multiple calls |
| the item I ordered weighs 8.15 lbs | 1 | 0.0% | it was never sent to me. Instead the merchant provided fraudulent shipping information. Specifically |
| the item must be deleted immediately under FCRA | 2 | 0.0% | itemized medical bill showing services rendered |
| the item must be deleted INSTRUCTION : I demand the removal of this item if verification can not be supplied directly by XXXX with complete payment and charge off history ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Charge Off * * LAW ISSUE : FCRA 611 ( a ) ( 1 ) ( A ) entitles consumers to dispute information believed to be inaccurate. 1681s-2 ( b ) requires furnishers to verify or correct disputed data DISPUTE STORY : This entry is a duplicate and appears to be a secondary reporting of the XXXX account already disputed. It is impacting my score unfairly. No legal validation has been provided INSTRUCTION : Please delete this account as it is a duplicate and unverifiable. If you can not confirm its legitimacy with dated statements or contractual agreement | 1 | 0.0% | you are required to conduct a reasonable reinvestigation of any disputed information. Additionally |
| the item must be removed immediately. | 2 | 0.0% | I noticed that XXXX is inaccurately reporting six late payments |
| the item must be removed. The repeated failure to provide proper verification has caused financial harm | 1 | 0.0% | yet the responses I receive are generic claims that the accounts were verified. No actual Method of Verification ( MOV ) or supporting documentation has been provided to substantiate these inaccurate late marks. Reporting closed |
| the item remains on my credit bureau file and they have sent correspondence of their refusal to investigate this violation. | 2 | 0.0% | due to this organization attempting to collect a debt that is not owed to them. They have yet to respond to the cfpb complaint. In addition to the requested validation of this tradeline on my Experian report that Experian and the creditor has refused to provide |
| the item wasn't received. The second time | 1 | 0.0% | Discover Card |
| the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. As another reference to the finance charge | 1 | 0.0% | I have noticed multiple billing errors in the Truth-in-Lending disclosures section of the Retail Installment Sales Contract and Purchase Money Security Agreement. The first being the number of payments as well as the amount of payments seems to be inaccurate on the Payment Schedule. With the support of all terms defined under 16 C.F.R. 433.1 and its specific definition under 16 C.F.R. 433.1 ( d ) which describes a purchase money loan in regards to the Truth-in-Lending disclosure is defined as ; A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and Regulation Z |
| The itemized amount owed | 2 | 0.0% | any collection account reported to your bureau must be verified |
| the itemized list they provided included two damages for which they failed to provide any proof | 1 | 0.0% | I have the right to dispute incomplete or inaccurate information and to have it removed if it can not be verified as accurate. Please be advised that : XXXX. Inaccuracy of the Debt : The balance of {$2900.00} claimed by Assurant Recovery Solutions is not valid. I have reason to believe this amount is either incorrect |
| the items must be deleted from the report as soon as possible According to 15 U.S. Code 1692j | 1 | 0.0% | I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically |
| the items must be deleted from the report as soon as possible. | 29 | 0.0% | the debt collect or must cease collection of any alleged debt owned until verification of the alleged debt or copy of a judgement or the name and the address of the original creditor. I request that the DEBT COLLECTOR Provide proof of this alleged item. I request to be provided with specifically the original application |
| the items must be deleted from the report as soon as possible. Under federal law. Please research and delete the inaccuracies ASAP. In the past I have received your computer-generated letter stating that you have ceased investigation of my credit reports because | 2 | 0.0% | Per Wenger v. XXXX XXXX XXXX |
| the items must be deleted immediately.,,Phoenix Financial Services LLC,PA,19604,,Consent provided,Web,2021-08-11,Closed with explanation,Yes,N/A,4622008 | 1 | 0.0% | which I have disputed ( which is a violation of 15 USC 1681 s-2 ) Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( B ) & ( a ) ( 2 ) ( B ) a data furnishers compliance is required. Pursuant to 15 U.S.C. 1681I ( 5 ) ( A ) |
| the items must be permanently deleted. | 3 | 0.0% | XXXX |
| the items purchased | 2 | 0.0% | give a busy signal twice |
| the items should be deleted from my credit report. | 1 | 0.0% | I raised concerns about multiple debts reported by various collectors |
| the items were damaged and open and not in new sealed conditions | 1 | 0.0% | XXXX |
| the items were not as described | 1 | 0.0% | pristine feedback |
| the J column indicated the amount over or under that Wells Fargo has posted. Note beginning on page XXXX | 1 | 0.0% | you can check it out for yourself. I am not stating that I am 100 % correct with each calculation |
| The J. G. Wentworth Company | 205 | 97.1% | Mortgage |
| THE J.D. STUART LAW GROUP, LLC | 4 | 75.0% | Debt collection |
| the joy and brightest light in my life | 1 | 0.0% | when my grace period ended and I first had to begin repaying my loans. Like many graduates |
| the judge 's and the tax payer 's time and money. And | 1 | 0.0% | as the holder of a XXXX mortgage several time between last XXXX and now. This last time we waited XXXX days and over a phone call XXXX told me the Short Sale was rejected : The bank would prefer to foreclose and get NOTHING as opposed to getting what is allowed by XXXX ( XXXX ) for a XXXX lean |
| the judge has no other alternative to dismiss the case. In order for the instrument to be fixed | 1 | 0.0% | trust deed |
| the judge in my legal case ruled that I can not pursue a case against XXXX since they don't actually exist. | 1 | 0.0% | but was told I could not do so since it was over 60 days since the charge was made. I was advised to instead take legal action |
| THE JUDGE LAW FIRM, A LAW CORPORATION | 1 | 100.0% | Debt collection |
| the judgment and summons to garnish my wages should be removed. I firmly believe Wells Fargo has punished me more than {$9000.00} worth and that they should be punished and fined for this unfair treatment or more like harassment!,Company has responded to the consumer and the CFPB and chooses not to provide a public response,WELLS FARGO & COMPANY,GA,30041,,Consent provided,Web,2020-04-17,Closed with monetary relief,Yes,N/A,3610987 | 1 | 0.0% | as is the attack worse than any pit bull attorney 's office they hired. I can't imagine they do this with every collection they get and how they are allowed to garnish wages during these times or take all but {$50.00} or {$100.00} of people 's money esp child support. They won't stop and it's extremely unfair and borderline abusive! I feel I have dealt with more then any consumer should for not being able to afford a debt. I understand that I incurred this debt and it isn't their responsibility to bail me out or let me off the hook |
| the judgment and summons to garnish my wages should be removed. I firmly believe XXXX XXXX has punished me more than {$9000.00} worth and that they should be punished and fined for this unfair treatment or more like harassment!,Company believes it acted appropriately as authorized by contract or law,Lefkoff | 1 | 0.0% | as is the attack worse than any pit bull attorney 's office they hired. I can't imagine they do this with every collection they get and how they are allowed to garnish wages during these times or take all but {$50.00} or {$100.00} of people 's money esp child support. They won't stop and it's extremely unfair and borderline abusive! I feel I have dealt with more then any consumer should for not being able to afford a debt. I understand that I incurred this debt and it isn't their responsibility to bail me out or let me off the hook |
| The Judgment Group | 7 | 28.6% | Debt collection |
| the judgment was substituted to the law offices of Robert J Colclough III | 1 | 0.0% | so I went to the courthouse in XXXX XXXX XXXX |
| the jury returned a verdict finding that XXXX & XXXX had intentionally violated its duties under FCRA. The jury awarded XXXX no compensatory damages but did award the maximum possible statutory damages of {$1000.00} and punitive damages of {$80000.00}. WOW!!! This means that the failure of a Furnisher to report a DISPUTE on a consumers credit report could result in statutory damages of {$1000.00} plus punitive damages of {$80000.00}. Failure to list my account as dispute | 1 | 0.0% | XXXX XXXX XXXX : On XX/XX/XXXX |
| the jury returned a verdict finding that XXXX XXXX XXXX had intentionally violated its duties under FCRA. The jury awarded XXXX no compensatory damages but did award the maximum possible statutory damages of {$1000.00} and punitive damages of {$80000.00}. WOW!!! This means that the failure of a Furnisher to report a DISPUTE on a consumers credit report could result in statutory damages of {$1000.00} plus punitive damages of {$80000.00}. Failure to list my account as dispute | 1 | 0.0% | Fourth Circuit wrote : On XX/XX/XXXX |
| the jury returned a verdict finding that XXXXXXXX XXXX XXXX had intentionally violated its duties under FCRA. The jury awarded Saunders no compensatory damages but did award the maximum possible statutory damages of {$1000.00} and punitive damages of {$80000.00}. WOW!!! This means that the failure of a Furnisher to report a DISPUTE on a consumers credit report could result in statutory damages of {$1000.00} plus punitive damages of {$80000.00}. Failure to list my account as dispute | 1 | 0.0% | Fourth Circuit wrote : On XX/XX/XXXX |
| the kid may soon be in the street in his XXXX. I have filed several complaints here but I am not able to scan and attach documents. I 'm no computer whiz. Just spent an entire week delving through a foot high stack of inconsistent and fabricated documents from Ocwen | 1 | 0.0% | our sanity |
| the Kraken responded they were unable to assist further due to different regulatory obstacles. | 1 | 0.0% | I was misled by the merchant that 1 ) they are entitled to trade regulated financial tools ; 2 ) they are keeping my money in segregated financial accounts ; 3 ) Im participating in real-time trading ; 4 ) the addresses and contact details on the web-page are really related to an existing broker. Most |
| the lack of appropriate validation | 1 | 0.0% | canceled |
| the lack of communication and the fact that they had incorrect information about my current mortgage payment history. I also left them both phone messages on that day. I did not receive any type of response from either of them. | 1 | 0.0% | when I sent yet another email to The Loan Specialist stating that after 4 months of this process |
| the lack of exposure to a competitive market under a normal marketing or sales process. Under a Sold Before Processing or Pocket Sale | 1 | 0.0% | indicating that this was not a market transaction |
| the lack of honesty of Nissan in what 2 months extension '' truly meant | 1 | 0.0% | which will seriously damage our chance to get a car. Our lease contract was done in XXXX way before the covid-19 pandemic |
| the lack of knowledge and compliance of specific requirements agreed to under the Bank of America and the Department of Justice and States Attorney General related to and raising from the mortgage crisis and disstressed borrowers. | 1 | 0.0% | when |
| the lack of proper communication | 1 | 0.0% | and were unaware of the ongoing existence of the HELOC lien. Despite this |
| the lack of reference numbers reduces the companys exposure to legal or regulatory scrutiny | 1 | 0.0% | when I was transferred to an Adverse Action Department representative ( XXXX ) regarding the closure of my account |
| the lack of responsiveness and clear communication from Capital One throughout this process directly contributed to the unjust closure of my dispute. | 1 | 0.0% | I was informed that my case was closed because the timeframe for the dispute had expired ( Exhibit XXXX ). This was the first time I was made aware of any timeline constraints |
| the lack of training of the Customer Service reps and the omissions of where and to whom I needed to make the payment arrangement with and by what time. This is all after the fact. These are clearly errors but she would not acknowledge it as such. It felt as if she was trained not to acknowledge wrong doing because such an admission would require actual escalation and the reopening of a closed account. We concluded the conversation with XXXX escalating the issue for a second review which should could not guarantee would escalate to Tier 3 | 1 | 0.0% | XXXX |
| the lack thereof would serve to prove : 1 ) the debt PRA has alleged I owe is invalid ; and | 1 | 0.0% | I requested specific documentation be provided to me within 30 calendar days. The documentation I requested would |
| the lack thereof would serve to prove : 1 ) the debt SYNCB has alleged I owe is invalid ; and | 1 | 0.0% | I requested specific documentation be provided to me within XXXX calendar days. The documentation I requested would |
| the lady I talk to did not give me explanation of how they keep selling my account to people even outside of the country. | 1 | 0.0% | somebody from XXXX answered my call |