| you do not have to make monthly payments on your student loans | 1 | 0.0% | the IDR Plan Court Actions : Impact on Borrowerss |
| you do not see any notation of monthly fees being taken out. And it was not transparent that these were even being removed until XXXX of this year on the online banking dashboard. | 1 | 0.0% | and all of a sudden |
| You do that. '' For these reasons | 1 | 0.0% | We don't take pictures as evidence |
| you don't close a case without refunding my money. I have XXXX different transactions where PayPal closed cases without them being resolved and keeps attempting to enable these criminals to steal from customers. | 1 | 0.0% | this unscrupulous merchant never bothered to respond |
| you don't get a choice. You don't get to pick your mortgage company that has a background | 1 | 0.0% | refer me to CFPB and you don't do XXXX. NOW You The department CFPB let OCWEN KNOW it's open season BABY take |
| You don't have a freeze. '' Well | 1 | 0.0% | Lift credit hold. '' The only requirement to do this is my SSN and Zipcode. Like 90 % of the US |
| you don't have access | 1 | 0.0% | you stated you have no access to my account until I go to a Branch |
| you don't have any money and one of the accounts only has {$11.00}!! ... '' but as I attempted to speak he got louder | 1 | 0.0% | again this is a conversation that me and my spouse needed to attend. XXXX XXXX said I'm on my way out and You can relay the message to him '' and proceeded to tell me in an aggressive |
| you don't have to pay the penalty. The same holds true for most 30-year | 1 | 0.0% | director of member legal services for the California Association of Realtors at the time |
| you don't want to pay your bills? '' several times. | 1 | 0.0% | I started to get many calls from debt collector company. At first |
| you dont have to update us yet. But if your income has changed | 2 | 0.0% | I was looking at my MOHELA account dashboard |
| you dont qualify for help because paperwork is missing After that I filed a complaint against Flagstar with the XXXX because this is truly the worst business I have ever dealt with in my life and this whole process has been unbelievable. After filing this complaint my file came back to my life | 1 | 0.0% | but he rarely came home and then once Covid hit things went downhill. In XX/XX/XXXX I filed for divorce and went back to work. XXXX continued to pay the mortgage and support us until the divorce was finalized in early XXXX at which time I took over the payments. I was working full time as a XXXX XXXX at that time but then my hours got cut due to Covid. Not long after that the taxes and insurance went up on the property and it was difficult to afford the mortgage. I was able to get transferred to a different site that offered full time hours |
| You dont want to go that route | 1 | 0.0% | You feel me |
| you drove this vehicle and put XXXX miles and now you want to return it? We are in the business to sell cars and you signed the deal. '' After | 1 | 0.0% | my trade in value today is only $ XXXX {$20000.00} and my payoff is {$43000.00}! XXXX Toyota manager could not believe the sales price of this vehicle. He said to contact XXXX XXXX and have them place Toyota Financial on the phone immediately to remedy the situation. XXXX and the finance gentleman price gauged during the pandemic by burying me in vehicle payments and finance charges |
| you elected not to. Please remove this item immediately. | 1 | 0.0% | including the removal of unjustified charge-off attempts |
| you enrolled in Experian XXXX XXXX. The membership benefits at that time included access to your Experian report once every 30 days | 1 | 0.0% | please note that XXXX.XXXX |
| you expressed dissatisfaction with how prior servicers handled the account. We are unable to speak on behalf of prior servicers actions. However | 2 | 0.0% | you requested that we provide evidence of the debt. SPS is a mortgage servicer and the servicing of your account was transferred to SPS on XX/XX/XXXX. We have enclosed a copy of the Notice of Servicing Transfer evidencing this transfer. As a servicer |
| you failed to contact me to ask about the alleged transactions | 4 | 0.0% | you have only assumed this vital role to evaluate my consumer report |
| you failed to inform me of the {$6900.00} wage I would need of which you reasonably should have known in XX/XX/XXXX. Your communications continuously led me to believe that I was qualified for the necessary financing | 1 | 0.0% | you were aware of the following project costs : {$110000.00} for land buyout ( Current appraised value {$240000.00} w/o infrastructure ) {$160000.00} for the home {$60000.00} for site preparation Total : {$340000.00} ( excluding bank fees ) By XX/XX/XXXX |
| you falsely assert that Possible Finance is furnishing accurate information | 1 | 0.0% | WA XXXX Re : Dispute of Inaccurate Credit Reporting and Demand for Immediate Deletion CFPB Complaint Reference : XXXX Dear Possible Finance Compliance Team |
| you falsely assert that XXXX XXXX is furnishing accurate information | 1 | 0.0% | WA XXXX Re : Dispute of Inaccurate Credit Reporting and Demand for Immediate Deletion CFPB Complaint Reference : XXXX Dear XXXX XXXX Compliance Team |
| you felt that was unfair and shady and you could n't do anything out of frustration | 1 | 0.0% | but things had gotten ugly after that. Then they said I was not qualified for the bonus offer because of the 18 months timeframe |
| you find my allegation to be true | 1 | 0.0% | so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % Inquiries XXXX ) XXXX XXXX XXXX XXXX Equifax Since I noticed unauthorized inquiries on my personal credit report |
| you get a balance of {$9200.00} | 1 | 0.0% | she informed me that my claim about the unauthorized transactions was denied. She explained that because it was denied |
| you guessed it | 1 | 0.0% | I don't have a single derogatory remark on my credit report |
| you guys are my last hope on the issue.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRUIST FINANCIAL CORPORATION,FL,331XX,,Consent provided,Web,2024-03-05,Closed with monetary relief,Yes,N/A,8475385 | 1 | 0.0% | the obvious fraud has turned into an eternal banking nightmare and I feel hopeless to recover the money they took from my personal account. The lack of communication between departments at the bank is horrid and leaves the customers with very little ability to speak to anyone who knows what is going on |
| you guys should be aware of some basic life use cases.,,GOLDMAN SACHS BANK USA,DE,197XX,,Consent provided,Web,2024-07-01,Closed with explanation,Yes,N/A,9401034 | 1 | 0.0% | EVERYONE in this world and country must have a SSN? They are honest hard working folks who made me who I am and if I were to die tomorrow |
| you have 27 monthly payments of {$110.00} remaining on your loan | 1 | 0.0% | predatory and illegally doing financial business in CA and trying to collect more than the legal amount in CA. I also had XXXX contact me in XXXX XXXX XXXX XXXX Fri |
| You have 29 other days to make the payment '' and also refused to address it or fix it. He also refused to give me his last name. Odd banking behavior for a major bank and completely unacceptable. I am asking for someone to intervene as this bank can not be trusted to do the right thing and refund fraudulent charges. This is how this bank makes profit. | 1 | 0.0% | at XXXX |
| you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period | 6 | 0.0% | CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts |
| you have 30 days to do you investigation into this error. Thank you,Company has responded to the consumer and the CFPB and chooses not to provide a public response,M&T BANK CORPORATION,NY,117XX,,Consent provided,Web,2022-06-13,Closed with explanation,Yes,N/A,5665297 | 1 | 0.0% | the Consumer is obligated to pay this debt using Federal Reserve Notes or Floating Rate Notes |
| you have 30 days to investigate disputes. If Experian can not LEGALLY VALIDATE the information within the 30 day time period | 1 | 0.0% | 2016 certified mail |
| you have 30 days to supply these proofs | 3 | 0.0% | XXXX Id XXXX. Once the Creditor writes off a debt |
| you have a duty to correct and update the negative reporting of late payments. | 8 | 0.0% | FTC Advisory Opinion to Harris ( 03-22-99 ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers |
| you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. You may want to obtain a legal opinion on this | 3 | 0.0% | with the intention that the courts and/or others rely on the written communication to impair or damage my credit rating |
| you have a right to a refund of your money. If you want a refund | 1 | 0.0% | the customer |
| you have a sales date assigned for XXXX XXXX | 1 | 0.0% | I had no idea I was even the owner of the mortgage and the property. A friend of mine that XXXX XXXX years ago had purchased the property with a Power of Attorney '' with out my consent. I did not signed any documentation regarding this loan and it was purchased illegally. The only reason I found out about this debt was because he stopped making payments |
| you have a verbal and therefore you DO have my income for the purposes of requiring a Loan Estimate. They told me that my word is useless ( and yes | 1 | 0.0% | so I did not provide all 6 pieces of information |
| you have acted unfair by reporting unverified and inaccurate information without investigating me about the alleged transactions | 6 | 0.0% | if requested |
| you have already committed multiple violations of federal law | 1 | 0.0% | fraud alerts |
| you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; 8. You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; 9. Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source | 1 | 0.0% | property |
| you have caused unwarranted damage to my credit | 1 | 0.0% | I have not received a proper validation notice as required by 15 U.S.C. XXXX ( a ) |
| you have changed the sentence to state : On or after XX/XX/XXXX a late charge of {$38.00} may apply. Now you have taken off another day and made it appear to be only XXXX ( XXXX ) days and a late charge XXXX apply. I should not have to tell you this goes against our Contract Agreement process date XX/XX/XXXX and stamped XXXX XX/XX/XXXX XXXX and executed by me on XX/XX/XXXX. | 1 | 0.0% | Wells Fargo |
| you have engaged in mail fraud. Your deliberate failure to provide notification | 1 | 0.0% | your company has failed to send legally required notices |
| you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). | 1 | 0.0% | XXXX |
| you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT EQUIFAX HAS NOT UPDATED THE ACCOUNT SINCE XX/XX/XXXX AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME | 1 | 0.0% | inaccurate |
| you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT XXXX HAS NOT UPDATED THE ACCOUNT SINCE XX/XX/XXXX AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME | 1 | 0.0% | inaccurate |
| you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT XXXX HAS NOT UPDATED THE ACCOUNT SINCE 7/1/2020 AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME | 1 | 0.0% | inaccurate |
| you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT XXXX HAS NOT UPDATED THE ACCOUNT SINCE XX/XX/XXXX AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME | 2 | 0.0% | inaccurate |
| you have failed to address the discrepancies in my credit report. This neglect has not only compromised my creditworthiness but also shown a blatant disregard for the FCRA 's legal mandates. | 5 | 0.0% | your violation of 15 U.S.C. 1681i ( a ) ( 5 ) is evident from your failure to delete or correct inaccurate |
