| which may include a repayment plan | 1 | 0.0% | extremely irritating and emotional. On XXXX XXXX |
| which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) | 1 | 0.0% | especially since I showed you proof that this account was paid in settled in XX/XX/XXXX |
| which may include interest and fees that accrued during the dispute process. You can write back to the creditor within 10 days after receiving the denial and say you refuse to pay the disputed amount and explain your reasoning why. Attached is proof of tracking for the package that was sent to Citi Bank,Company has responded to the consumer and the CFPB and chooses not to provide a public response,CITIBANK | 1 | 0.0% | creditors must acknowledge your complaint in writing within 30 days of receiving it. Then expect to receive a written resolution within XXXX billing cycles |
| which may include past due lease payments | 1 | 0.0% | fair wear and tear excepted. We can terminate this Agreement without notice if you are in default under this Agreement by failing to make a lease payment within ten ( 10 ) days of the renewal date |
| which may indicate a fraudulent transfer intended to avoid existing obligations. ( Classified in the newspaper as an '' asset sale. '' I believe that any and all correspondence may be disregarded or discarded under the pretense that the business is no longer active | 1 | 0.0% | we have growing concerns regarding successor liability. Although the original dealership has declared bankruptcy |
| which may indicate poor or misleading record-keeping practices. | 1 | 0.0% | voided |
| which may lead me into bankruptcy.,,AMERICAN EXPRESS COMPANY,NJ,078XX,,Consent provided,Web,2026-01-03,Closed with monetary relief,Yes,N/A,18443857 | 1 | 0.0% | they say |
| which may mean that they accidentally duplicated something and only one got cancelled. Not sure | 1 | 0.0% | meaning that I rely on them entirely to send or otherwise provide proof. They did not do this |
| which may misrepresent the true payment status and violate FCRA 1681i regarding reinvestigation of disputed information. Under Florida Statutes 559.72 ( 9 ) | 2 | 0.0% | XXXX XXXX XXXX are reporting this account with recent update dates in XXXX |
| which may now be affecting my ability to open a business banking account. | 1 | 0.0% | I understand that XXXX reports on bank accounts |
| which may persuade the credit agencies. | 1 | 0.0% | but they were not willing to act on this information nor investigate the issue further with XXXX XXXX XXXX. They are not accessible by fax or email and since my initial phone conversations |
| which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). | 3 | 0.0% | which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally |
| which may remain for up to 10 years ... ( etc ) XXXX XXXXAddress : XXXX XXXX XXXX XXXX | 1 | 0.0% | I disputed online within Experian 's extremely limited option box the collection reporting by XXXX |
| which may result in actual | 1 | 0.0% | and violates the following regulations : FCRA XXXX ( b ) Failure to maintain reasonable procedures to ensure accuracy FCRA XXXX Failure to investigate and correct disputed information FCRA XXXX ( b ) Failure of furnishers to correct and update information XXXX XXXX XXXX Improper reporting of charge-offs |
| which may result in civil penalties | 1 | 0.0% | and it is imperative that this error be rectified immediately. Failure to remove this account will compel me to pursue all legal avenues |
| which may result in legal liability under 15 U.S.C. 1681n and 1681o.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NJ,07753,,Consent provided,Web,2025-02-08,Closed with explanation,Yes,N/A,11996483 | 1 | 0.0% | under 11 U.S.C. 524 ( a ) ( 2 ) of the Bankruptcy Code |
| which may result in legal remedies for damages caused by negligent or fraudulent reporting.,,EQUIFAX | 1 | 0.0% | ensure that all inaccuracies |
| which may result in legal remedies for damages caused by negligent or fraudulent reporting.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,TX,77459,,Consent provided,Web,2025-09-26,Closed with explanation,Yes,N/A,16213601 | 1 | 0.0% | ensure that all inaccuracies |
| which may result in unfair damage to a consumers profile. | 1 | 0.0% | Section 611 |
| which may subject you to enhanced penalties and punitive damages. | 1 | 0.0% | which you have confirmed is your source for bankruptcy verification |
| which may take up to 30 days ( or up to 45 days for a dispute of information in an annual free credit report ) | 1 | 0.0% | and along side an email response via the CFPB 's website |
| which means | 2 | 0.0% | however |
| which means 'written off for Profit and Loss '' in XX/XX/XXXX and 'closed by a credit grantor ' in XXXX | 2 | 0.0% | which has 4 Sections : Balance |
| which means every month is either the same or more than before solar. Now with the price jump that they promised would not happen | 1 | 0.0% | my XXXX electric bills were : {$140.00} on XX/XX/year> |
| which means I am owed money and not have to pay. | 2 | 0.0% | affiant is aware and has proof in the attachment labeled Exhibit A that CHASE is in violation of 15 USC 1692e ( 2 ) ( a ) because Congress states a debt collector may not use any false |
| which means I would have been late on my credit card payments because Citi blocked me from accessing my online account where I would pay the monthly or minimum balance. | 1 | 0.0% | I attempted to log into my Citi online account to confirm I would be able to pay my credit card through the Citi app or online. However |
| which means if they don't reply | 1 | 0.0% | why to me it will take like a century long? Tell me where the money is |
| which means it has been almost 21 days ( well over the 15-day timeline ). I last called back this past Monday | 1 | 0.0% | I have called back about 2-3 times per week every week asking for updates or information. Many times |
| which means it has been removed from their balance sheet as uncollectible from the borrower. It must be validated according to the FDCPA should it come back in some other type of collection. That means a collection agency working for the original creditor or third party that purchased the account. Remember | 1 | 0.0% | they are not the original creditors. They are second and third party creditors. When they buy debt from the original creditor |
| 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 |