| the original creditor 's name and contact information | 1 | 0.0% | I am formally requesting : - Cease all collection activities |
| the original creditor ( XXXX XXXX suddenly defined {XXXX} as a provider reversal. Further | 1 | 0.0% | ACEI knew that there were allegations of violation of the FDCPA ; yet somehow |
| the ORIGINAL CREDITOR and CONSUMER | 2 | 0.0% | I |
| the original creditor had assigned the two accounts to debt collector Designed Receivables Solutions | 1 | 0.0% | these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor |
| the original creditor had assigned the two accounts to debt collector XXXX XXXX XXXX | 2 | 0.0% | these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor |
| the original creditor may no longer have a valid claim | 1 | 0.0% | 756 F.2d 1197 ( 5th Cir. 1985 ). Potential Fraud Concerns : I also challenge the legitimacy of this debt on the grounds that the original creditor may have already received compensation for any alleged loss. If the creditor was insured against default or received compensation through other means ( such as an insurance policy |
| the original creditor may not report a balance to the CRA 's ; they would have to report balance as XXXX ' XXXX since the collection agency is now reporting the balance and collecting the debt. Every time I have disputed the inaccurate information to all 3 CRA 's | 1 | 0.0% | but I know this from reviewing my credit reports. The issue is |
| the original creditor must report a {$0.00} balance and indicate the account has been sold/closed. | 2 | 0.0% | 623 ( a ) ( 1 ) ( A ) |
| the Original Creditor. Obtaining my Private information without my Granted Permission is a violation of my Federal Consumer Rights | 6 | 0.0% | XXXX XXXX |
| the original creditors address | 1 | 0.0% | NCA violated FDCPA XXXX |
| the original creditors balance must be updated to {$0.00}. Continuing to report a balance after a debt has been sold is inaccurate and not permitted. Under the FCRA | 1 | 0.0% | Discover Bank is inaccurately reporting this account on my credit report |
| the original debtor.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,WELLS FARGO & COMPANY,TX,77845,,Consent provided,Web,2018-09-18,Closed with explanation,Yes,N/A,3022759 | 1 | 0.0% | XXXX XXXX XXXX and my children |
| the original default was years earlier. Please verify the exact DOFD on file for this account. If it does not match the original delinquency date from the initial creditor | 3 | 0.0% | which raises concern that the debts dates have been misreported ( re-aged ). By law |
| the original denial by XXXX occurred without anyone ever responding via email or phone call to discuss the facts. | 1 | 0.0% | Amount : {$130.00} 2. Transaction ID : XXXX ; Amount {$130.00} 3. Transaction ID : XXXX ; Amount {$170.00} Since I reported this as fraudulent at XXXX XXXX XXXX immediately I did not believe that any money would be withdrawn from my account. By XXXXXXXX XXXX I discovered that those charges were withdrawn from my bank account. I immediately notified my bank of the fraudulent activity and they processed a stop payment. Thereafter |
| the original document | 2 | 0.0% | also the year the housing market crashed due to Wells Fargos criminal activity then. We have the email XXXX |
| the original lender | 1 | 0.0% | the securitization of this loan alters the nature of the debt |
| the original loan servicer. When I contacted XXXX | 1 | 0.0% | I contacted the company multiple times and was repeatedly given incorrect information regarding the lending institution |
| the original owner which is the subject matter of this dispute ; b. An itemized breakdown of what you claim the money is owed for ; c. Explain and show me how you calculated the amount in dispute ; d. Provide me with copies of any and all copies of documents | 2 | 0.0% | Please provide a certified copy of the written contractual agreement between you |
| the original receipt has the XX/XX/XXXX or XXXX date and I have it. | 1 | 0.0% | warehouse |
| the original signed application | 1 | 0.0% | XXXX XXXX XXXX XXXX XXXX NV XXXX ) This account is appearing on my credit report without full legal compliance |
| the original signed contract | 2 | 0.0% | under FCRA 611 and 609 ( a ) ( 1 ) |
| the original valve cover could have been leaking around the seal and it is possible to have gotten oil into that sensor. XXXX Monday XX/XX/XXXX | 1 | 0.0% | I identified several discrepancies with the merchants claims that were not considered during the investigation : The merchant provided you with fraudulent documents marked as 1 and 2 ( RO # XXXX XXXX in which I made Claims Supervisor XXXX aware of this on XX/XX/XXXX. The merchant deceptively created a repair order diagnostic and written estimate after the date of service without my knowledge ; as I did not either of the presented documents. Additionally |
| the original XXXX affidavit | 1 | 0.0% | being a patient and loyal American consumer that i am |
| the original XXXX XXXX dispute submission | 1 | 0.0% | yet Affirms process has been cursory and one-sided. By ignoring evidence that the goods were mis-delivered |
| the origination fee still reflected 1 % | 1 | 0.0% | we were at the 15 day closing window |
| The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.,,EQUIFAX | 1 | 0.0% | XXXX |
| The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,TX,75052,,Consent provided,Web,2019-12-09,Closed with non-monetary relief,Yes,N/A,3462838 | 1 | 0.0% | XXXX |
| The ORIGNAL documentation with my signatures on it from the original creditor ). They responded and told me they will not reinvestigate. I sent a 3rd letter on XX/XX/2019 asking for a complete description of all methods of verification and they have not responded in the allotted 15 days that's given for them to respond.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | Transunion |
| the othe bank would retry the payment ( that originally was reported as no good to NF ) and successfully complete the transfer. When that happened it would be taken out of my other bank account yet NF would never give me credit in my account for that amount. Again | 1 | 0.0% | the issue comes down to this- Over the course of several months |
| the other card and Keybank. I spoke to XXXX and he stated that he told you the XXXX payment along with the rest of yours and XXXX debt was going to be paid off with the Refinance and Home Equity. The loan proceeds were not enough to pay all debts. | 1 | 0.0% | they put in / processed XXXX inquiries against my account w out my consent which also affected my score. We were told they would need to do this JUST once which is standard and when I checked my update on line |
| the other check ( {$1500.00} | 1 | 0.0% | I called PNC Bank Customer Service |
| the other company did not even show up | 1 | 0.0% | they said no. I asked to speak with the attorneys office and I was told the attorneys handling it wouldn't speak with me. So in XXXX XXXX |
| the other day they went into my personal account and reversed my XXXX XXXX money of {$560.00} and again charged me {$35.00} overdraft. I am getting the run around and am extremely frustrated with all of this. I have spent hours of my time on phone calls | 1 | 0.0% | I again called and got XXXX he stated that he had no idea why this happened and that he would check with the Back Office to see if they can investigate it.I got sick of waiting for XXXX and XXXX to call me back so I called the 800 customer service number and asked to speak with a Manager and I also asked for the number for Corporate I was told they will gladly give me an address to write a letter to them but there were no numbers to contact |
| the other letter giving as a reason the chip on the card was read and validated during the authorization process or the card was present and CVV confirmed. '' This letter also recommended I contact the merchant directly. | 1 | 0.0% | but received no response. I disputed the charge with Barclays |
| the other on XXXX. I called XXXX to complain & demand the return of the XXXX payment SLS took from our account. I also requested cancellation of all automatic payment arrangements so that I could initiate my own payments going forward. SLS refunded the duplicate XXXX withdrawal. | 1 | 0.0% | so I called SLS to inquire. Through conversation with the rep |
| the other one would be {$8100.00} the Escrow refund ( this phone conversation was voice recorded by SPS ). | 1 | 0.0% | SPS system charged me another month of mortgage payment |
| the other option given was {$500.00} per month for 5 years. My net income at the time was {$1500.00} per month and as I had explained in my letter to them dated XXXX/XXXX/XXXX my living expense total {$1800.00} which did not include food and every month bills were delinquent or partially paid or not paid. | 2 | 0.0% | XXXX. The outstanding balance was {$16000.00} |
| the other person is treated as holding the financial asset directly rather than as having a security entitlement with respect to the financial asset. | 1 | 0.0% | sold |
| the other program where the interest would be 0 % | 1 | 0.0% | anything so we can make the monthly payments |
| the other says it has. They constantly lie and beat around the bush and dont care about their customers AT ALL. One guy has been waiting 160 DAYS for his registration. How is this even okay??? So I am physically drained beyond belief while these girls are sitting at home saying they think I dont deserve to be paid for the rental I shouldnt have to pay for if they did their job right in the first place? Quit blaming Covid | 1 | 0.0% | and rely on my car for my income. Im not able to drive it legally |
| the other screenshot is of just me and him where I asked him for access to the new portal since they moved all the course material there and this was on XX/XX/2022 at XXXX XXXX | 1 | 0.0% | I had a call with one of your members on the intake team and they asked me to email the claims/dispute department at this email regarding my {$5000.00} chargeback. It seems like the claims/dispute team declined the chargeback I made |
| the other six are also LEGALLY REQUIRED to be refunded due to their milestone connection. | 1 | 0.0% | if the payments are milestone-based |
| the other updated in name only. They ignored my specific instructions ( for example | 1 | 0.0% | Experian annotated the XXXX XXXX entries with dispute results. The paid-off XXXX loan shows This item remained unchanged from our processing of your dispute in XXXX XXXX meaning Experian did nothing and left it on the report ( despite my request to remove what I believed was an erroneous or duplicate listing ). The charged-off XXXX loan shows This item was updated from our processing of your dispute in XX/XX/XXXX.. In practical terms |
| the other XXXX major credit reporting companies do provide this information for free. | 1 | 0.0% | determines scores that impact my ability to live my life ( get a job |
| the other young man started talking rapidly | 1 | 0.0% | around XXXX XXXX I was sitting in XXXX XXXX XXXXXXXX XXXX XXXX |
| the others being XXXX | 1 | 0.0% | not all of the checks for about 2 weeks. There had been issues with S/P security on XX/XX/XXXX |
| the others do not care.,,CARRINGTON MORTGAGE SERVICES | 1 | 0.0% | CA that is apparently not current or an office they are trying to shut down. Yet |
| the others need not do so. | 1 | 0.0% | receiver |
| the outcome was the exactly the same and my check didnt clear until well over a month later ( XXXX XXXX ) | 1 | 0.0% | I inconveniently mailed my assessment check to Alliance Bank well in advance of the XX/XX/XXXX due date but nevertheless |
| the outcome would not differ. I insisted on waiting to speak to another supervisor and he kept repeating the same thing and stated he would end the call if there was nothing else he could help with. I insisted that my issue was not resolved | 1 | 0.0% | totaling {$100.00} |
