| without recourse for repairs under warranty. | 1 | 0.0% | which managed the installation |
| WITHOUT RECOURSE FURTHER AFFIANT SAYETH NOT.,Company believes it acted appropriately as authorized by contract or law,NAVY FEDERAL CREDIT UNION,AZ,85042,,Consent provided,Web,2023-11-14,Closed with explanation,Yes,N/A,7851740 | 1 | 0.0% | I am offering NAVY FEDERAL CREDIT UNION the opportunity to cure this default by granting me a line of credit. The amount of credit should reflect the maximum allowable based on the principal balance of my principal account |
| without recourse one hundred percent ( 100 % ) of the Receivables generated by Bank EX-10.2 | 1 | 0.0% | XXXX XXXX XXXX subsidiary of XXXX XXXX XXXX |
| without referencing the earlier delinquency claim ( Exhibit 5 page 2 ). | 1 | 0.0% | FirstTech later issued two additional adverse action letters on XX/XX/XXXX ( Exhibit 5 ) |
| without refunding us of the remaining XXXX. | 1 | 0.0% | despite approving them. After reviewing our claims ( two claims |
| without regard to a minimum individual recovery | 4 | 0.0% | pursuant to 15 USC 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Except as otherwise provided by this section |
| without regard to affiliation | 2 | 0.0% | financial institutions are not considered to function as consumer reporting agencies ; however |
| without regard to any reports of fraud. I was told that they do not scrub their accounts for reports of fraud to make sure that the notices that they are mailing are not sent to addresses that were previously reported as fraudulent. Despite having reported the fraud XXXX months ago | 1 | 0.0% | KeyBank mailed an account statement |
| without reinsertion notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Last payment was in XXXX this may be an illegal re-aging of the debt Account is disputed 6. Experian Inaccurate Personal Information Experian is listing 26 separate addresses on my report | 3 | 0.0% | but not Experian Disputed on XX/XX/XXXXXXXX XXXX still shows as active collection No written notice of reinsertion was provided ( required under FCRA 611 ( a ) ( 5 ) ( B ) ) Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting on all 3 bureaus for {$1600.00} Only Experian acknowledges my XX/XX/XXXX dispute TransUnion and Equifax do not mark the account as disputed ( violates FCRA 623 ( a ) ( 3 ) ) Equifax report is missing the Date of First Delinquency |
| without reporting late payments or charging off accounts during the period of accommodation. | 4 | 0.0% | I must bring to your attention the violations of the CARES Act committed by XXXX XXXX and its affiliate |
| without requesting any supporting documents or asking any questions. They also insisted that the premium should be based on my gross income | 1 | 0.0% | based on my daycares total capacity of XXXX children and XXXX teachers. At that time |
| without requiring exceptions. | 1 | 0.0% | and when XXXX XXXX secured my approval |
| without requiring my involvement with the credit bureau. | 1 | 0.0% | I contacted Chase Credit Reporting multiple times |
| without resolution. | 3 | 0.0% | I am either misinformed |
| without resolution. In the rare instances I get an answer | 1 | 0.0% | Newrez has repeatedly delayed |
| without review | 1 | 0.0% | and from the beginning was an even more confusing process |
| without reviewing the cardholder 's evidence establishing that the SC redemption service the predominant purpose of the transaction was never provided. This is not a reasonable investigation under the FCBA. | 1 | 0.0% | Substantive Investigation : Citi closed both disputes on XX/XX/XXXX XXXX calendar days after filing. Citi 's denial stated only that the services or merchandise were provided '' the merchant 's standard digital goods defense without any acknowledgment of |
| without reviewing the public court records or correcting the errors. This failure constitutes negligent and/or willful noncompliance under FCRA 1681n and 1681o | 1 | 0.0% | Transunion |
| without seeking any clarification from me and blatantly infringing upon my right to defense. | 1 | 0.0% | XXXX. ( Attachments XXXX |
| without sharing details of my personal bank account? | 1 | 0.0% | Home Depot Credit Services website will not allow me add my new ( replacement ) debit card ( after multiple attempts ). Instead |
| without so much as notifying us | 1 | 0.0% | notifications |
| without success | 1 | 0.0% | I have provided affidavits |
| without such proof this account must be deleted immediately | 1 | 0.0% | I have never lived or received mail at this location yet it continues to show as part of my credit file causing confusion and misrepresentation XXXX XXXX XXXX Open Date XX/XX/XXXX High Credit {$3600.00} Charge Off this account is being reported as a charge off but the information is inaccurate |
| without supplement opportunity. This sham violates RESPA 1024.41 ( d ) | 2 | 0.0% | HBOR |
| without supporting documentation.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,ProCollect | 1 | 0.0% | is the following : a. My letter ( dated : XX/XX/XXXX ) sent to ProCollect |
| without telling me at all. I never received XXXX invoices | 1 | 0.0% | unlike XXXX |
| without that information being disclosed beforehand. | 1 | 0.0% | I paid {$500.00} for a five-area XXXX treatment |
| without the account number | 1 | 0.0% | the Bank |
| without the bonus rewards to offset the cost. | 1 | 0.0% | who were very firm in denying our claim. Not getting our bonus miles isn't the end of the world |
| without the consumers permission or knowledge | 1 | 0.0% | if it is legal |
| without the creditor having provided clear proof of their accuracy.,,PENNYMAC LOAN SERVICES | 1 | 0.0% | I formally requested that the creditor : Provide written verification of the late payment ( XXXX ) |
| without the information I have repeatedly requested. Therefore | 1 | 0.0% | I have paid 237 payments at {$170.00} a payment |
| without the need for a Guarantor. He had successfully completed his obligations under the first Lease | 1 | 0.0% | the previous process followed on the first Lease outlined above in order to |
| without the need for a separate request. | 3 | 0.0% | I hereby demand the full Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This requires you to provide |
| without the need for such actions. | 3 | 0.0% | XXXX XXXX XXXX XXXX XXXX XXXX |
| without the prior consent of the consumer given directly to the debt collector | 2 | 0.0% | a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary |
| Without the prior consent of the consumer given directly to the debt collector ... a debt collector may not communicate with a consumer in connection with the collection of any debt .... '' My original cease and desist was received by JPMC on XX/XX/XXXX. 15 U.S. Code 1692c ( c ) states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer | 1 | 0.0% | but is not honoring it pursuant to my right under |
| without underlying proof | 2 | 0.0% | I also requested the source of the data and the legal authority allowing those furnishers to report to the bureau. For instance |
| without valid recourse. This was not a resolution | 1 | 0.0% | whose influence and profitability have grown as a result of millions of loyal customers who have not received fair treatment or full transparency in exchange for their patronage. This is evident based on the large numbers of complaints filed against Cash App and the ongoing reports around possible legal actions taken. Cash App should be held accountable like any other company that provides financial services. Neither of the business practices mentioned above are negotiable. I attempted in good faith to address my valid concerns with Cash App |
| WITHOUT VALIDATION | 1 | 0.0% | ON XX/XX/2023 |
| without validation and without my knowledge and consent and needs to be removed from my credit file. I did not receive credit from the below listed companies. | 1 | 0.0% | without validation and without my knowledge and consent and needs to be removed from my credit file XXXX XXXX XXXX Should reflecXXXX XXXX XXXX XXXX only The following closed accounts listed are incorrect and has been reported inaccurately |
| without verifying the principal balance or providing a full payment history. This constitutes improper debt collection during an active statutory dispute. | 1 | 0.0% | mirroring misconduct by prior servicers. The analysis does not reconcile prior misapplications |
| without warning - phone call or mail | 4 | 0.0% | the monthly payment amount increased |
| without warning or communication | 1 | 0.0% | since when did I have a daily limit? I have never seen this before- why was I not made aware of this? Especially now that it is restricting my transaction ability |
| without which the auction will be improper. In my case | 1 | 0.0% | on the screen |
| without your knowledge or consent. Some examples of identity theft are attempting to open accounts | 1 | 0.0% | I advised we received their complaint from the Consumer Financial Protection Bureau. Our records confirm your Wells Fargo XXXX Checking account ending in XXXX was closed on XX/XX/XXXX |
| Witkes Law Firm LLC | 1 | 100.0% | Debt collection |
| witout any prior warning | 1 | 0.0% | AND XXXXXXXX XXXX and XXXX have been charging interest on the cards they closed for my use |
| WLCC | 524 | 99.8% | Payday loan, title loan, personal loan, or advance loan |
| WMC MORTGAGE, LLC | 26 | 92.3% | Mortgage |
