| which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters | 3 | 0.0% | so it will help with future transactions if you can get rid of any names in your system that don't match XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX |
| which requires that I undergo a security investigation. This investigation may rely on previous investigations | 1 | 0.0% | D.C. XXXX Dear Madam or Sir : I am writing to file a complaint about Chase Financial. Recently |
| which requires that inaccuracies be corrected or removed following a proper investigation. | 1 | 0.0% | and marked as charged off in XX/XX/XXXX. However |
| which requires that no collection activity occur until full validation is provided upon request.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Suttell | 1 | 0.0% | outlining what records a consumer may request ( proof of right to collect |
| which requires that only accurate information is reported. | 1 | 0.0% | state |
| which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore | 13 | 0.0% | which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request |
| which requires the blocking and removal of information resulting from identity theft or unauthorized use of a consumers personal data | 1 | 0.0% | XXXX XXXX XXXX |
| which requires the blocking of information resulting from a data breach or fraud | 1 | 0.0% | fraud |
| which requires the correction of inaccurate information. Additionally | 3 | 0.0% | 15 U.S.C. 1681 |
| which requires the credit bureaus to block the reporting of fraudulent information once the identity theft report is provided. | 1 | 0.0% | XXXX XXXX XXXX Account # XXXX ) opened on XX/XX/XXXX with a balance of {$160.00} |
| which requires the maximum possible accuracy of reported information. | 2 | 0.0% | XXXX |
| which requires them to notify me of the results. | 1 | 0.0% | as of XX/XX/year> |
| which requires timely written notification of post-move-out charges. | 1 | 0.0% | I discovered a derogatory collection account had been reported against me. This was the first and only notice of any alleged charges. I was never notified in writing of any outstanding balance prior to this reporting. Upon formally requesting documentation |
| which requires written notification and documentation upon request. I am once again formally demanding that Total Visa produce a copy of the alleged XX/XX/year> determination letter | 1 | 0.0% | Total Visa claims to have denied my dispute on XX/XX/year> |
| which requires XXXX ( XXXX XXXX ) to identify customers | 1 | 0.0% | after the highest security department information feedback |
| which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. | 2 | 0.0% | XXXX XXXX XXXX |
| which requires you to cease collection activity until validation is provided. | 1 | 0.0% | I have not received : A copy of the original signed contract or account application A full itemized accounting of the alleged balance |
| which responds at its own discretion (potentially months between replies) and seemingly has no obligation to inform or assist. | 1 | 0.0% | their terms and conditions contain a binding arbitration clause which |
| which restricts access to reports unless explicitly authorized. | 1 | 0.0% | which I did not authorize |
| which restricts nonjudicial actions to dispossess or disable property without a present and enforceable security interest. | 1 | 0.0% | which prohibits abusive |
| which restricts the situations in which a consumer report can be accessed. These include situations where an inquiry is made without my consent | 1 | 0.0% | XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXX Inquiry Date : XXXX XXXX |
| which result in my loans meeting qualifications much earlier than were counted | 1 | 0.0% | requested escalation to ombudsman '' as I was informed to do. I submitted documentation as requested within time frames required. I have called both Mohela and XXXX XXXX multiple times with no success. Requests not completed entirely to refund all payments made during the covid pandemic forbearance as requested. I continue to be told to be patient and give it time '' when I have had to take time away from work and have taken hours upon hours to follow up and attempt to get these issues resolved. The escalate to ombudsman did not even work |
| which result in recording the auto loans receivable and the related non-recourse notes payable on our consolidated balance sheets. The majority of the auto loans receivable serve as collateral for the related non-recourse notes payable of {$16.00} XXXX as of XX/XX/XXXX | 2 | 0.0% | selling |
| which resulted directly from fraudulent activity and Barclays failure to process my identity verification 4. Reinstatement of all accumulated XXXX XXXX XXXX ( XXXX account number XXXX ) | 1 | 0.0% | I have suffered the following : Approximately a XXXX decrease in my credit score |
| which resulted in a DTI of XXXX XXXX | 1 | 0.0% | email to our chairman |
| which resulted in a XXXX point and two rating category drop in my credit score from an exceptional '' XXXX to a good '' XXXX | 1 | 0.0% | on XX/XX/XXXX |
| which resulted in a zero balance on the account. | 1 | 0.0% | prior to the closing of my account |
| which resulted in additional charges. | 1 | 0.0% | and I began my service with them |
| which resulted in additional costs. | 1 | 0.0% | I made a payment of approximately {$12000.00} to XXXX XXXX XXXX XXXX XXXX XXXX for a bathroom renovation project |
| which resulted in additional interest being assessed. | 1 | 0.0% | XX/XX/XXXX |
| which resulted in another conditional loan approval and a interest rate of 10.19 % | 1 | 0.0% | I contacted Navy Federal with the request for financing of the replacement vehicle and I was given a conditional approval. The original conditioned approval was based on a collateral replacement opposed to a trade in. Why this happened is unknown to me. On XX/XX/XXXX |
| which resulted in CFPB complaint XXXX. | 1 | 0.0% | about which an email was written by me to my assistant on XX/XX/XXXX. **She was subsequently assured by TD that everything was set up correctly. ** Due to COVID and the related business closures via Executive Order |
| which resulted in higher interest payments on my auto lease ( paid off now ) and rejections of other credit lines I applied for. They must be gone from my credit reports | 1 | 0.0% | I filed a complaint against XXXX XXXX |
| which resulted in me being a handed the warranty packet minutes later. | 1 | 0.0% | this required yet another visit in person to obtain as phone calls and emails were not being answered |
| which resulted in me being locked out of my account. I have made XXXX disputes 1. ) XXXX | 1 | 0.0% | and that was it. My ending balance on my checking account that night was {$6200.00}. On Wednesday at approximately XXXX I woke up to numerous notifications that my money has been used from my account to purchase items from XXXX for the amount of {$2300.00} |
| which resulted in me discovering one complaint about its business practices. Although it is only XXXX complaint | 1 | 0.0% | XX/XX/XXXX |
| which resulted in my account going into overdraft. | 1 | 0.0% | XX/XX/XXXX |
| which resulted in my stating I would file a report with the CFPB and contact my BK attorney | 1 | 0.0% | advised the Rep was in violation of the BK discharge and FCDPA ( false/misleading representation/unfair practices by stating restrictions would be removed when they would not |
| which resulted in numerous Class Actions | 1 | 0.0% | based on consultation and a survey from two local Companies |
| which resulted in removal earlier this year. Their attempt to resurrect it under new numbers and fabricate delinquency history is unlawful. | 1 | 0.0% | Nelnet |
| which resulted in the cessation of paper statements. As a result | 2 | 0.0% | I was informed that the change occurred late one evening when I had logged into my account. She said I was in and out of that page on the website |
| which resulted in the debt collector being fined and subject to a Consent Order ( containing a Cease and Refrain Order within the Order ). See this state agency 's attached XX/XX/2023 Consent Order for this penalty regarding this unlawful XX/XX/2023 practice | 1 | 0.0% | the debt collector failed to disclose it true name and/or full name in both text messages identified above. See Section 1692e ( 14 ) of the FDCPA. For example |
| which resulted in the payment being reversed. '' That's also not true. There were sufficient funds. So this morning | 1 | 0.0% | we logged in to make the XXXX payment and saw that there was a past due balance. The payment had been reversed on XX/XX/XXXX. When I contacted Mr Cooper via their online messaging portal |
| which results in a violation of 15 U.S. Code 1666. | 1 | 0.0% | Balance Date XX/XX/XXXX Original Creditor Name XXXX XXXX XXXX XXXX Account Designator Code INDIVIDUAL_ACCOUNT Date Assigned XX/XX/XXXX Account Number XXXX XXXXXXXX Original Amount Owed {$1900.00} Creditor Classification Educational Amount {$1900.00} Last Payment Date Status Date XX/XX/XXXX Date of First Delinquency Status UNPAID Comments Contact XXXX XXXX XXXX XXXX |
| which results in an inconsistent and misleading credit profile. Under FCRA 1681e ( b ) | 1 | 0.0% | proof of chain of assignment |
| which results in nullifying me the obligation to pay the debt. Also the debt has already been paid based on the UCC-1 filed by The federal reserve by me signing the promissory note | 1 | 0.0% | a nonholder in possession of the instrument who has the rights of a holder |
| which safeguards consumers against unfair and deceptive billing and reporting practices. | 1 | 0.0% | each of which is inaccurately reporting late payments that never occurred. Such reporting violates FCRA 1681e ( b ) |
| which safeguards the confidentiality and accuracy of personal information held by federal agencies. By failing to report the status of my accounts as Paid as agreed | 3 | 0.0% | XXXX and Equifax has listed over 35 non mailable addresses onto my credit report without my written consent to furnish my nonpublic information per Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I sent them a letter and called over two months ago to have these inaccurate addresses off my report. The address is listed below. XXXX willfully neglected to remove inaccurate information from my report has caused mental distress and has hindered me from utilizing my credit and obtaining the things in which I need for me and my children. Please remove ALL NON MAILABLE ADDRESS OFF MY REPORT IMMEDIATELY AND ALL HARD INQUIRIES LISTED BELOW and send me an updated report showing the addresses and inquiries removed to the ONLY address that should be listed which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore |
| which said I was covered by my insurance and asked how he suggest I go about disputing the collection from my medical exam back in XX/XX/. Again | 1 | 0.0% | a young woman |
| which said to file a dispute with you,,TD BANK US HOLDING COMPANY,NY,128XX,,Consent provided,Web,2024-01-06,Closed with monetary relief,Yes,N/A,8119770 | 1 | 0.0% | with in XXXX seconds contacted my bank to report the incident and a dispute was filed. This was on a Saturday. On Tuesday ( it was a holiday weekend ) I went directly to the bank |