| which is an outright lie | 1 | 0.0% | number XXXX ( XXXX XXXX |
| which is an unlawful practice under federal law. | 1 | 0.0% | asking for clear documentation to substantiate the debt they are attempting to collect. Despite these multiple attempts |
| which is an unreasonable expectation | 1 | 0.0% | this forbearance was neither requested nor agreed to. My senior mother |
| which is an XXXX country.,,Comerica,CA,92833,,Consent provided,Web,2023-07-28,Closed with monetary relief,Yes,N/A,7319428 | 1 | 0.0% | if any one made a claim of discrimination |
| which is another direct violation of my rights under the FCRA. | 1 | 0.0% | XXXX account number XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with a zero balance is still being reported with late payments |
| which is another violation of my rights under the FCRA. | 3 | 0.0% | and the credit bureau claimed the account was verified. However |
| which is applied | 1 | 0.0% | shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( XXXX ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans |
| which is associated with XXXX XXXX. | 1 | 0.0% | after XXXX XXXX filed for divorce |
| which is attached here. In addition to the charges on my Bank of America Debit Card | 1 | 0.0% | within 2 hours after the charges were made on my Debit Card on XX/XX/2023 |
| which is attached. I have already spoken with lawyer | 1 | 0.0% | XXXX called me to state that they are closing my case and they dont believe they are liable. She stated that she had no record of me contacting them on XX/XX/XXXX. I informed her that I have a 19min 48sec phone record to prove that I in fact spoke with a rep on XX/XX/XXXX. She stated that |
| which is attached. My identity was stolen | 5 | 0.0% | I |
| which is backed by 15 USC 6801 | 2 | 0.0% | it states : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness |
| which is Bank of America failure to provide a proper written explanation violates my rights under the FCBA. XXXX. Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 o The ECOA mandates that financial institutions provide written explanations for adverse credit decisions. The Correspondent | 1 | 0.0% | which is Bank of America |
| which is based in XXXX | 1 | 0.0% | I am writing to request your immediate assistance in addressing a fraudulent auto loan that has been reported on my credit file. This loan |
| which is based on when XXXX received the official complaint from the XXXX against them on XX/XX/2021. XXXX turned around and generated their XX/XX/2021 letter that stated that the Borrowers mortgage is now owned by XXXX | 1 | 0.0% | based on the Borrowers interpretation of the Fair Housing Acts description of discrimination and retaliation that XXXX allegedly committed against the Borrowers. The Borrowers complaint details are based on allegations of discrimination and retaliation against a XXXX XXXX |
| which is basically telling me that we can't do anything | 1 | 0.0% | I received an email saying that the disputed transaction was rebilled and sent me a report saying that the purchase information was by me ( my name |
| which is being done right now | 1 | 0.0% | I contacted Capital One |
| which is being reported with a late payment. I have never had any credit relationship with XXXX XXXX | 1 | 0.0% | opened on XX/XX/XXXX |
| which is beyond disgusting to know that a company would approach this type of situation in such a manner. I hope to have this resolved promptly without having to seek legal recourse against Capital One | 1 | 0.0% | however |
| which is beyond the 30 days allowed by law | 1 | 0.0% | CRA file matching inaccuracies |
| which is both arbitrary and inaccurate. The assignment of such a low score | 3 | 0.0% | these factors are not applicable to a new credit file |
| which is both dated and time-stamped via certified mail as evidence of timely communication. | 1 | 0.0% | was past due 60 days Account Number : XXXX Account Name : XXXX XXXX XXXX Payment Status : Current |
| which is both false and damaging to my reputation. | 1 | 0.0% | including my driver 's license and a bill showing my correct address as XXXX XXXX XXXX |
| which is both harmful and unlawful. I request that you contact the furnisher directly to provide documentation proving the validity of this debt | 1 | 0.0% | the continued reporting of this collection account causes tangible harm to my credit profile and potential access to financial services. Under FCRA 611 Right to Dispute and Require Reinvestigation and 602 ( a ) Requirement for Fair and Accurate Reporting |
| which is both inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ) | 1 | 0.0% | please find below the relevant excerpt from XXXX email to me : Our review has concluded a resolution in your favor. Rest assured |
| which is both inconvenient and concerning. | 1 | 0.0% | I encounter extremely long wait timesoften exceeding an hourjust to speak with a representative. When I finally connect with someone |
| which is both incorrect and misleading. | 2 | 0.0% | but they continue to be reported on my credit file |
| which is both unethical and potentially unlawful. | 1 | 0.0% | XXXXXXXX XXXX XXXX XXXX |
| which is both unfair and damaging. In the case of the XXXX XXXX account | 1 | 0.0% | yet it remains listed as a charge-off |
| which is both unjust and in violation of the Fair Credit Reporting Act ( FCRA ). The attachments with this letter include proper evidence. | 1 | 0.0% | as the data is inaccurate |
| which is both unwarranted and unsettling. | 1 | 0.0% | I sent a negotiable instrument for payment to Navy Federal Credit Union in full compliance with legal tender guidelines. The instrument was restrictively endorsed to the company |
| which is broad ( Simply between XXXX - XXXX XXXX standard time ). Yet | 1 | 0.0% | its now XX/XX/XXXX. I am a 100 % XXXX veteran |
| which is categorically false. | 1 | 0.0% | Amazon now imposes a discriminatory practice by requiring me to use a special pin code for any purchase over {$120.00}. Additionally |
| which is causing additional stress and confusion and are inappropriate given that the negative balance was created by PayPals own system error. | 1 | 0.0% | and PayPal has been refusing or unable to correct it for nearly three months |
| which is causing me significant emotional and financial stress. | 1 | 0.0% | including my XXXX passport |
| which is causing severe damage to my credit score. | 3 | 0.0% | when a consumer disputes information on their credit report |
| which is causing significant distress. | 1 | 0.0% | despite my sincere efforts to proactively address my financial situation |
| which is classified as very good by industry standards. XXXX denied my application | 1 | 0.0% | if known |
| which is clearly a violation to the CARD act and the SCRA. It's not about the money | 2 | 0.0% | as well as a spreadsheet I created that shows what was owed at the time of XXXX XXXX and all the charges and payments made during this timeframe. They paid off one of the 6 % items first |
| which is clearly not feasible. | 1 | 0.0% | two weeks ago |
| which is clearly opposite of the Highest XXXX to Lowest XXXX. When I asked for clarification | 1 | 0.0% | I reached out to XXXX ( Who by the way should not belong to the customer service department |
| which is clearly violation of Title 18 USC 1346. | 1 | 0.0% | namely : A ) Instrument Number XXXX which is a lease agreement between judge XXXX XXXX XXXX 's husband associate justice XXXX and XXXX University |
| which is close to {$15000.00}. To be clear | 1 | 0.0% | I have fallen on financial hardship due to unemployment and relocation as part of my husbands military assignment overseas |
| which is codified in 15 USC 1691 ( c ) & is persuant to civil liability under 15 USC 1692 ( k ) I am pursuant to 15 USC 1602 ( l ) The term credit card was used to initiate the consumer credit transaction. I am also the cardholder and the holder in due course. Pursuant to 15 USC 1602 ( n ) the credit card ( social security card/number ) was provided by me to initiatethe transaction. It is not possible to be denied with credit Ive provided. Again I am the holder and due course and pursuant to 15 USC 1681 ( a ). The term adverse action never mentions the consumer being denied credit because it is impossible to be denied credit in which I am granting your company. The right to extend credit in pursuant to 15 USC 1602 the term credit means the right granted by a creditor to a debtor to defer payments of debt or to incur debt in deferrers payments. | 1 | 0.0% | it is unlawful for any creditor to discriminate against any applicant |
| which is common for customers with private bank accounts. It is my opinion that Barclaycard is responsible for these errors and should provide financial restitution to compensate me for the {$10.00} in fees that were incurred because of their misleading online form for entering bank information. Additionally | 1 | 0.0% | which appeared to have been incurred because of an error in Barclaycard 's online system. I explained the situation 6 times |
| which is common in XXXX cultures. She asked me to provide documentation of that but couldn't clarify which bank account they needed statements from. I recalled that the email I had received mentioned XXXX XXXX | 1 | 0.0% | I received an email stating that the address on my ID wasn't clear ( despite the photo I uploaded being perfectly clear ) |
| which is completely absurd considering I also always pay more than the minimum payment so that I have it paid off before the interest kicks in. They never informed me of being late or that there were fees associated and that there was no grace period. Not even for a few days. That is completely unfair. They are personally hurting my credit and now basically stealing from me.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,PA,19460,,Consent provided,Web,2020-12-11,Closed with explanation,Yes,N/A,4005384 | 1 | 0.0% | while going through my account |
| which is completely false. | 1 | 0.0% | CA XXXX Wrong Address. Issue : This address does not belong to me and has no association with my identity or residence history. Law : FCRA 607 ( b ) requires credit bureaus to maintain accuracy. Story : Because of this wrong address |
| which is completely false. I have a copy of the confirmation page from Nelnets website | 1 | 0.0% | when I did not receive a response to my credit dispute from Nelnet |
| which is completely false. I have never made a late payment on either of these accounts. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 623 | 1 | 0.0% | Account # XXXX XXXX XXXX XXXX XXXX |
