| which means my 5 credit cards ( XXXX | 1 | 0.0% | my mortgage lender pulled my credit from XXXX |
| which means Navy Federal Credit Union has been paid twice since the inception of the credit card account. | 1 | 0.0% | Navy Federal Credit Union has delivered via mail |
| which means only about {$24000.00} has been put into my total overall amount owed. | 1 | 0.0% | I requested from EOS CCA to send me an overall payment history from XXXX. The total amount of payments I had made up to XXXX XXXX |
| which means that I have never been late. nor escrowed. Please see attached last 13 month payments from my XXXX bank account along with XXXX XXXX correspondence dated XX/XX/2023 | 1 | 0.0% | this non-issue seemed to be resolved as a letter from Mr Cooper was received stating insurance received with no additional escrows would be added to my account and it would take up to 10 days to remove the added fees on my mortgage However |
| which means that neither the President nor Congress can reduce the salary of a federal judge. These two protections help an independent judiciary to decide cases free from popular passion and political influence. | 2 | 0.0% | the federal courts interpret and apply the law to resolve disputes. The courts do not enact the laws ; that is the responsibility of Congress. Nor do the courts have the power to enforce the laws ; that is the role of the President and the many executive branch departments and agencies. The founders of the nation considered an independent federal judiciary essential to ensure fairness and equal justice for all citizens of the United States. The Constitution they drafted promotes judicial independence in two major ways. First |
| which means that the legal timeframe for pursuing collection actions has expired. Despite this | 1 | 0.0% | for their unjust and unethical practices in attempting to collect a debt that has not been properly verified and is beyond the statute of limitations. I am deeply concerned about their approach |
| which means that there must be an appeal process! This is primarily the reason for the creation of the administrative procedures act | 1 | 0.0% | U.S. Bank |
| which means that they're treating my {$11000.00} problem as lower priority than all of these. | 1 | 0.0% | and how my {$11000.00} issue was of low priority to them. Apparently |
| which means that this debt has not been properly validated. | 1 | 0.0% | I was denied my legal right to dispute it within the 30-day validation period. Because you failed to provide this notice |
| which means that your entire balance becomes due. To complete the foreclosure sale | 1 | 0.0% | as a chilled sale |
| which means the card was used by someone to make store purchases as Chase told me. The non atm Claim # XXXX amount XXXX. Chase told me they will investigate and refund me the stolen funds. After a week I called chase bank ( phone number XXXX ) | 1 | 0.0% | which I NEVER authorized. Also |
| which means the debt was canceled/discharged. Per IRS Publication 4681 | 5 | 0.0% | in the case of : ( C ) Banks insured by the Federal Deposit Insurance Corporation ; ( 3 ) the Federal Credit Union Act ( 12 U.S.C. 1751 et seq. ) by the National Credit Union Administration Board with respect to any Federal credit union ; Privacy Act of 1974 ( b ) Conditions of disclosure : No agency shall disclose any record which is contained in a system of records by any means of communication to any person |
| which means the debt was canceled/discharged. Per XXXX XXXX XXXX | 1 | 0.0% | in the case of : ( C ) Banks insured by the Federal Deposit Insurance Corporation ; ( 3 ) the Federal Credit Union Act ( 12 U.S.C. 1751 et seq. ) by the XXXX XXXX XXXX XXXX XXXX with respect to any Federal credit union ; Privacy Act of 1974 ( b ) Conditions of disclosure : No agency shall disclose any record which is contained in a system of records by any means of communication to any person |
| which means these debts were either sold or assigned to XXXX XXXX. Either way | 1 | 0.0% | which according to the XXXX XXXX standard means The creditor has taken a loss on the account and is NO LONGER attempting to collect. '' But here 's what Affirm 's own website says when I log in : Accounts have been charged off as of XX/XX/XXXX |
| which means THEY AGREED WITH THE CONDITIONS. They are in violation of the VIOLATION OF CALIFORNIA CIVIL CODE and BREACH OF CONTRACT/AGREEMENT. This is my last resort before I take a step further and get a legal counsel involve.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CA,94110,,Consent provided,Web,2018-05-24,Closed with non-monetary relief,Yes,N/A,2917180 | 1 | 0.0% | XXXX |
| WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS | 1 | 0.0% | XXXX XXXX XX/XX/XXXX |
| which means they havent been returned to the company 's account but perhaps that they are still being held at Citibank. '' I called the Citibank Fraud Prevention department ( XXXX Option 4 ) on XX/XX/XXXX to confirm if the checks are verified | 1 | 0.0% | 2022 The company who issued the check to me called the Citibank Fraud Prevention Department at the number you provided. They spoke with someone named XXXX and gave him the check numbers |
| which means this is still currently in dispute as we are waiting for the documentation but it is STILL ON MY REPORT. | 1 | 0.0% | on XX/XX/XXXX or upon receipt of the other many disputes filed |
| which means to REMOVE PMI INSURANCE | 1 | 0.0% | with XXXX documentation provided stating why we did not qualify. After months of trying to get an answer |
| which means you can never owe more than the value of your home. If a rising loan balance surpasses the home value | 1 | 0.0% | as mentioned above |
| which means you must verify this item with credible evidence. Please provide me with the method of verification used | 1 | 0.0% | including payment history and notices |
| which means you've kept it. : The manager on the phone for Barclays admitted a mistake was made and promised to refund the money to our XXXX XXXX account on that date ( XX/XX/XXXX ) ; the rep from XXXX XXXX ensured he had the correct account and routing number. | 1 | 0.0% | XXXX XXXX |
| which means your also in violation of 15 U.S. Code 1666b.,,EQUIFAX | 1 | 0.0% | XX/XX/XXXX |
| which means your also in violation of 15 U.S. Code 1666b.,,TOYOTA MOTOR CREDIT CORPORATION,GA,30101,,Consent provided,Web,2024-07-10,Closed with explanation,Yes,N/A,9475276 | 1 | 0.0% | XX/XX/XXXX |
| which means your also in violation of 15 U.S. Code 1666b.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,GA,30101,,Consent provided,Web,2024-07-10,Closed with explanation,Yes,N/A,9475294 | 1 | 0.0% | XX/XX/XXXX |
| which meant any leads generated during the period were effectively lost | 1 | 0.0% | XXXX continued charging our Capital One card repeatedly throughout XXXX |
| which meant no copies for us to review during the 3-day rescission period. XXXX did not provide the closing documents to us electronically. I had to ask to make copies at the closing location. | 1 | 0.0% | I contacted the Mortgage Originator and asked for a new closing date of XX/XX/2021 |
| which meant that there is no actual ticket in place. Upon research | 1 | 0.0% | XXXX |
| which merely forwards dispute codes for furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate '' in court. The following violations from the basis of this complaint : 15 U.S.C. 1681e ( b ) - Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C 1681i ( a ) - Failure to conduct a reasonable reinvestigation 15 U.S.C 1681s-2 ( b ) - Furnisher failure to correct or delete disputed information ( Metro 2 and CDIA Guidelines ) - Failure to comply with reporting format and data integrity standards. | 1 | 0.0% | XXXX XXXX XXXX for Systemic FCRA violations |
| which Metro 2 requires to be blank. It also continues to report a Payment History Profile for closed accounts | 3 | 0.0% | XXXX XXXX is reporting a Term Duration field even though collections must not report any term. It also reports payment history where Metro 2 requires blank fields for collections |
| which might give you more details concerning the declination of the loan and/or a means by which you can dispute the declination. | 1 | 0.0% | stating the following : Good XXXX XXXX XXXX |
| which might I add she read incorrectly and read me an old note and and told me that was it. Had I not insisted multiple times that was an old note | 1 | 0.0% | submitted all the paperwork again. XXXX |
| which might include sanctions | 1 | 0.0% | XXXX XXXX XXXX |
| which mirror federal law but may offer broader protections. | 1 | 0.0% | a company that provides online marketplace solutions and has acquired XXXX to enhance its personal finance resources for consumers. Both Marcus and XXXX are using false advertising that can mislead consumers |
| which mirrored my own experience. | 1 | 0.0% | XX/XX/XXXX |
| which mirrors and expands upon the FDCPA by prohibiting unfair | 1 | 0.0% | their continued attempts to collect this fraudulent debt violate the Fair Debt Collection Practices Act ( FDCPA ) |
| which misclassifies the months of XXXX | 1 | 0.0% | LoanCares own XX/XX/XXXX |
| which misrepresents my actual financial responsibility. Under FCRA 1681i ( a ) | 1 | 0.0% | High Credit : {$1100.00} |
| which misrepresents the actual status of the account. Further inaccuracies include the XXXX XXXX XXXX XXXX XXXX which is marked as a charge-off with a negative balance of {$190.00} | 1 | 0.0% | the XXXX XXXX Account # XXXX |
| which misrepresents the true legal status of the debt. | 1 | 0.0% | 15 U.S.C. 1681 |
| which more than proves I was a victim | 1 | 0.0% | Capital One failed to adhere to Regulation E guidelines : XXXX Misclassification of Transactions : SIX times ignored clear evidence and documentation |
| which more than satisfied Complaints co-insurance balance of {$200.00}. ( As secondary insurer | 3 | 0.0% | XXXX submitted a claim to XXXX to the sum of {$5600.00}. As per its contract with XXXX |
| which Mr. XXXX agreed to do | 1 | 0.0% | I again provided Mr. XXXX with the email from Ms. XXXX and cost estimate from XXXX and requested that Amerisave honor the terms that they had agreed to on that date. I further pointed out that the delays in closing the loan were not the result of my actions or lack thereof and |
| which must assuredly appease no less than the mandated adherence to my state and all applicable federal reporting mandates and statutes. | 1 | 0.0% | take notice that I am here and now contesting the assumed |
| which must be addressed immediately.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,AZ,85388,,Consent provided,Web,2025-05-14,Closed with explanation,Yes,N/A,13499579 | 1 | 0.0% | 15 U.S.C. 1681c ( 2 ) |
| which must be adhered to without deviation to maintain the integrity of the data. Therefore | 1 | 0.0% | Unpaid balance reported as a loss by the credit grantor. |
| which must be immediately corrected or removed. | 3 | 0.0% | Account # XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX Account # XXXX |
| which must be reconciled before the funds can be posted | 1 | 0.0% | the customer was provided detailed information regarding our communication with the State and details regarding the application of the XXXX program funds |
| which must have a bank account connected to it. Chase refuses to submit a fraud claim | 1 | 0.0% | I contacted the store using the XXXX business page |
| which must include : XXXX. A copy of the original signed agreement or contract demonstrating my obligation to pay this alleged debt. | 1 | 0.0% | 15 U.S.C. 1692g |
