| whichever occurs first. The notice required by paragraph ( b ) of 12 CFR 1026.23 is as follows : o ( 1 ) Notice of right to rescind. In a transaction subject to rescission | 1 | 0.0% | delivery of the notice required by paragraph ( b ) of this section |
| whichever occurs later.,Company believes it acted appropriately as authorized by contract or law,Shellpoint Partners | 1 | 0.0% | including credit unions |
| whichever one of the two are still a Violation against MY Right and against the Law that CONGRESS HAS IMPLEMENTED. | 3 | 0.0% | but how is that possible if the OPEN DATE |
| whichever they prefer. | 1 | 0.0% | but have not received a response. I have requested that if they have any evidence that I have caused injury |
| whichhelpedmycreditscoretremendously. | 1 | 0.0% | itwaspossiblethatIdidn'tmakethereportingtimebutshouldbeokforXXXXreporting.Isubmitted2disputes |
| while a rate above 45 percent is punishable as a third-degree felony. The challenge with avoiding a potentially usurious transaction lies in the intricacies found in the agreement | 1 | 0.0% | I was just hurrying to leave. My family needed to eat and I was 30 minutes away from home. I signed out the paperwork in a rush and did not realized how high the interest was. I was just in a hurry to get out of there and trusted no one would commit usury in our state since it is unlawful. When I got to the time where there's no more no interest charges |
| while a XXXX account with the same balance appears everywhere except Equifax | 1 | 0.0% | including move-out and maintenance records. They applied charges that contradicted the final walk-through |
| while acknowledging that it was the correct site | 1 | 0.0% | lo and behold! |
| while all along | 1 | 0.0% | claim the VA denied it |
| while all of the transactions were made online and I didn't know who did that. She was asking me for more evidence and I didn't know what kind of evidence do I have to provide to show I didn't buy a ticket or I didn't authorize a purchase | 2 | 0.0% | I was able to take provisional credit |
| while allowing this firm to represent them in the collection of a debt allegedly owed by me.United Auto Credit has asserted that they are not affiliated with XXXX XXXX XXXX XXXX XXXX XXXX However | 1 | 0.0% | group |
| while also accruing negative account fees | 1 | 0.0% | to stop the monthly ACH deduction |
| while also being reported as Paid/OK in monthly history but simultaneously coded as Chargeoff/Derogatory. This is materially misleading and violates XXXX XXXX reporting standards. | 2 | 0.0% | XXXX XXXX |
| while also claiming the accounts are In Good Standing with no past-due balance. Reporting the same mortgage obligation multiple times with conflicting data is inherently inaccurate and violates Equifaxs duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). | 2 | 0.0% | Equifax is reporting multiple duplicate tradelines for the same XXXX XXXX XXXX XXXX XXXX XXXX XXXX obligation under different account numbers |
| while also claiming the accounts are In Good Standing with no past-due balance. Reporting the same mortgage obligation multiple times with conflicting data is inherently inaccurate and violates Experians duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). | 1 | 0.0% | Experian is reporting multiple duplicate tradelines for the same XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX obligation under different account numbers |
| while also claiming the accounts are In Good Standing with no past-due balance. Reporting the same mortgage obligation multiple times with conflicting data is inherently inaccurate and violates TransUnions duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). | 1 | 0.0% | TransUnion is reporting multiple duplicate tradelines for the same XXXX XXXX XXXX XXXX XXXX XXXX mortgage obligation under different account numbers |
| while also failing to acknowledge the core of my complaint ; To this day | 1 | 0.0% | my identity was stolen after I obtained an auto loan from Chase. Because of the costs associated with remedying the identity theft |
| while also stating that it may continue reporting the accounts as unpaid as long as the law permits. The furnisher further asserted that it is licensed in Washington but did not provide a license number or documentary proof of authorization in its response. | 2 | 0.0% | XXXX XXXX XXXX stated that it reviewed its records |
| while American express is billing me and I am making an attempt to repay this debt.,,AMERICAN EXPRESS COMPANY,PA,173XX,,Consent provided,Web,2015-08-04,Closed with explanation,Yes,No,1502161 | 1 | 0.0% | while at the same time I paid American Express according to their billing. Then I received notice from a XXXX firm ( XXXX XXXX XXXX |
| while an assignment of the latter alone is a nullity. This is essence would defeat the enforceability of the note.Clouded Title by XXXX XXXX,Company has responded to the consumer and the CFPB and chooses not to provide a public response,BANK OF AMERICA | 1 | 0.0% | the homeowner now has additional grounds for which to maintain a quiet title action in favor. The key to a quiet title action is to make the lender and /or his assigns come forward with all documents ; pick it apart through discovery and impeachment by fully examining the chain of title |
| while another representative told me that they didn't know why | 1 | 0.0% | multiple representatives of Citibank told me that if I managed my card properly and made on-time payments |
| while approximately {$3700.00} had been taken by NDR as fees. Also | 1 | 0.0% | XXXXXXXX XXXX XXXX XXXX |
| while assignment of the latter alone is a nullity. The obligation can exist with or without security but a security interest can not without the underlying existing obligation ... so if all you get is the mortgage and not the note | 1 | 0.0% | XXXX XXXX XXXX |
| while assuring its customers that they are not. My salary is over {$75000.00}. My credit line with XXXX XXXX is {$3700.00} | 1 | 0.0% | because I live in the XXXX XXXX XXXX |
| while at my bank discussing a new truck loan. As a result | 1 | 0.0% | Central States Recovery of XXXX |
| while at the same the paid off mortgage loan amount {$170000.00} still remains in effect with XXXX. | 1 | 0.0% | Ocwen Loan Servicing |
| while at the same time actively involved in unfair and/or unjust practices | 1 | 0.0% | the perplexing situation |
| while at the same time involving a collection agency.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,BC SERVICES | 1 | 0.0% | but eventually agreed to send me an itemized bill statement. The fact that XXXX sent me a bill without specifying any details and at the same time sent the debt to collection agency reflects the fraudulent behavior that the company has been involved in for many years. This company is well known for its dishonest behavior in the past and they keep lying that they sent me bills |
| while attempting to abuse and intimidate me with suggestions of my credit being negatively affected and continuing with pre-foreclosure on my home.,,Mr. Cooper Group Inc.,OK,741XX,Older American,Consent provided,Web,2022-07-23,Closed with explanation,Yes,N/A,5803264 | 1 | 0.0% | and was closed on XX/XX/2022 |
| while awareness is crucial | 1 | 0.0% | banks |
| while Banner Bank continues to profit from our monthly payments despite its duty to intervene. More than XXXX years after signing the construction contract | 1 | 0.0% | we have only a partially built basement foundation |
| while being regularly offered upgrades to Equifax Complete Premier. Why would I upgrade when the base product won't even work | 1 | 0.0% | after I physically mailed them all of my updated identity documentation ( legal name change via courts |
| while being told that the paperwork was not finished and that I would not receive any documentation until after the trial was completed. | 1 | 0.0% | she returned and informed me that I would need to make three trial payments of about XXXX dollars on XXXX ( XX/XX/XXXXXXXX ) |
| while being unemployed | 1 | 0.0% | which had a big impact on my finances. Now paying rent for an apartment |
| while both Experians and XXXX offices were closed | 1 | 0.0% | I got a response in about an hour outside of both XXXX and Experians business hours that XXXX had recertified the debt. This is the {$400.00} debt XXXX wrote me a letter about |
| while California Consumer Law recognizes the right to request validation '' of the debt. | 1 | 0.0% | in 611 ( a ) ( 1 ) ( A ) |
| while causing me additional damages needlessly and intentionally. | 1 | 0.0% | despite initiating a lawsuit against me |
| while checking my online statement every line on the statement was positive and that showed a Posted Balance in the positive | 1 | 0.0% | especially since the night before my Available Balance was not in the red. During the call |
| while cleaning up my credit reports going back as long as I had the original Amazon XXXX card.,,JPMORGAN CHASE & CO.,MD,XXXXX,,Consent provided,Web,2024-03-14,Closed with explanation,Yes,N/A,8551092 | 1 | 0.0% | all activity on the new |
| while continuing to treat the alleged mortgage debt as valid and collectible. | 1 | 0.0% | Land Home - acting as loan servicer and debt collector - failed to acknowledge |
| while corresponding with the XXXX XXXX XXXX XXXX | 1 | 0.0% | drafted a letter to the collection agency which included the affidavit from my mother demanding proof of the debt and to remove it from credit file ( see attached Letter to CBSA Collections ). The agency responded but did not provide proof that I am responsible for the debt ( see attached Letter from CBSA Collections ). I then submitted a letter to the Credit Reporting Agencies ( XXXX |
| while deceiving to me.,,Servicer under contract with Federal Student Aid,IL,601XX,,Consent provided,Web,2025-01-18,Untimely response,No,N/A,11647676 | 1 | 0.0% | MY IDR account/page/count ( UNDER PAYMENT HISTORY ) IS COUNTING XXXX payments. ONLY XXXX OF XXXX PAYMENTS ARE FOUND INELIGIBLE or = XXXX ELIGIBLE. SO WHY THE US DEPARTMENT OF EDUCATION UNDER PAYMENT COUNT IS incorrectly counting ONLY XXXX Payments of XXXX Qualifying Payments AND XXXX Remaining Payments for XXXX forgiveness ( XXXX more years???? ) On XX/XX/XXXX |
| while degrading my credit score | 1 | 0.0% | I get automated machines |
| while denying refunds to people after accusing and incorrectly labeling them as resellers. | 1 | 0.0% | including myself |
| while easily approving smaller claims on my other Chase card. This has caused ongoing financial harm : interest accruing on the balance | 1 | 0.0% | Chase keeps demanding more |
| while enabling illicit FPI profits XXXX | 1 | 0.0% | the {$320.00} monthly Escrow ( Taxes and Insurance ) '' is padded beyond the true property tax needs ( ~ $ XXXX for {$3900.00} annual taxes ) |
| while enriching the banks. Large corporate banks are well aware of this system | 1 | 0.0% | and the banks have already received payment for those obligations. Yet |
| while Equifax and TransUnion have removed all derogatory remarks. | 1 | 0.0% | I have received no written verification |
| while Equifax did not disclose this information. XXXX XXXX reported on XX/XX/XXXX | 1 | 0.0% | I am concerned about the information regarding my account with XXXX XXXX |
| while Equifax is reporting XXXX late payments for XX/XX/XXXX | 1 | 0.0% | I have identified discrepancies that violate the Fair Credit Reporting Act ( FCRA ) |
