| you have the right to dispute the matter with the applicable reporting agency. You can find out about the information contained in your file ( if one was used ) by contacting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | 1 | 0.0% | IL XXXX XXXX XXXX Your Right to Get Your Consumer Report If we obtained information from a consumer reporting agency as part of our consideration of your application |
| you have the right to dispute the matter with the reporting agency. You can find out about the information contained in your file ( if XXXX was used ) by contacting the agency ( or agencies ) listed below : XXXX | 1 | 0.0% | XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * * We obtained information from the consumer reporting agency ( or agencies ) listed below as part of our consideration of your application |
| you have the right to make a written request | 1 | 0.0% | XX/XX/2018 at XXXX XXXX |
| you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is also hereby requested | 3 | 0.0% | and for legitimate business purposes. Failing that |
| you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well | 1 | 0.0% | specifically the contract |
| you have to contact the vendor ''. Even when reminded that I did not submit the duplicate Payment and same was either a technical error on behalf of the bank or otherwise was not authorized by the account holder. In short | 1 | 0.0% | I went to remit another transaction on the Chase bank website |
| you have to expect that some of them are smart enough to send you legal service to stop their foreclosures that are ticking on a Calander. So if a customer sends a legal binding instrument that has it own ticking clock attached to it to stem a foreclosure | 1 | 0.0% | sends a copy to the newspaper and the customer. Which there is a template for. XXXX XXXX Foreclosure. If you say |
| you have to factor in my pay history on these accounts and the fact that XXXX of them my credit line was increased from {$1000.00} - {$2500.00} for credit worthiness ''. I also received an additional card just last month obviously based on credit worthiness. | 1 | 0.0% | when the last department I was forwarded to |
| you have to get my authorization to access my credit report for any reason. You didnt do that first | 1 | 0.0% | STATE ZIP XXXX |
| you have to go back to debt collector company. | 1 | 0.0% | this same collection agency says |
| you have to provide this and this | 2 | 0.0% | I telephoned their call center quite a few times tracking the updates. However |
| you have violated my rights as a consumer. 2. Inaccurate Reporting of Accounts : The following accounts remain on my report despite being inaccurate | 2 | 0.0% | as required under the Fair Credit Reporting Act ( FCRA ) |
| you have violated the GLBA by sharing my nonpublic personal information with third parties without my consent which has caused me mental and emotional distress. | 1 | 0.0% | You have admitted to your failure to not bring forth Proof of Claim in support of a clean hands doctrine |
| You haven't made two payments! '' I informed her she was wrong - that I have made my payments to XXXX XXXX as required. She then told me I had better call XXXX XXXX and get this straightened out. I told her that since I did not have anything to do with the business transaction between XXXX XXXX and Shellpoint | 1 | 0.0% | saw the error |
| you indicated that the XX/XX/XXXX interest capitalization reversal had not been completed on the loan. You requested for the capitalized interest and any additional interest charges to be reversed. Based upon our review | 1 | 0.0% | we reviewed the loan details |
| you indicated that you would send me an email to authenticate I never received the email in spite of repeated attempts. Note that I did put all XXXX Coinbase customer service emails into my contacts lists. I also repeatedly called both of your customer service telephone numbers | 1 | 0.0% | XX/XX/XXXX XXXX XXXX To : Coinbase Support XXXX Subject : Re : Help for Dissatisfied Coinbase XXXX - XXXX XXXX XX/XX/XXXX Coinbase Support I would appreciate a response and resolution to my request of XXXX weeks ago at the XXXX XXXX XXXX XXXX XXXX XXXX Get Outlook for Android ________________________________________ XXXX XXXX XXXX XXXX XXXX Sent : Sunday |
| you just need to send Y ( RE : Charges : {$120.00} withdrawn. {$860.00} removed three times | 1 | 0.0% | XXXX told me she needed to transfer me to someone else for verification. When she did |
| you just refuse to comply. | 1 | 0.0% | a period spanning 133 days |
| you just want to charge me {$30.00} per transaction. | 1 | 0.0% | I was 8 days past due before they took the XXXX I had in my checking account and put it towards my car payment. I called and had it transferred back |
| you keep money in an interest-bearing account and move it to the checking account in order to cover anticipated payments. | 1 | 0.0% | only required if there is a balance on the account. Capital One 's system ignores the current balance on the account and only looks a the prior statement balance. What results is that if you pay off your balance during a statement period |
| you know | 3 | 0.0% | ie : credit card |
| you know that they'll drag you through XXXX | 1 | 0.0% | because |
| you know the inflation make our life tough than ever before.,,JPMORGAN CHASE & CO.,CA,92782,,Consent provided,Web,2022-10-29,Closed with explanation,Yes,N/A,6138711 | 1 | 0.0% | the XXXX XXXX XXXX XXXX XXXX did not receive my payment and charge the late fee {$28.00} to my account. ( See attachments XXXX ) I contacted the Chase Bank and XXXX XXXX XXXX XXXX a few times to get more information. I also request more than one time for the late fee from Chase Bank to pay to the HOA |
| You know what I've just decided? We are not going to move forward with this closing. '' And he hung up. XXXX 's interaction with me was sexist and XXXX | 1 | 0.0% | I received an email and call from XXXX XXXX |
| you know what theyre trying to do with your loans. And XXXX is notoriously known for the emails and their interest rates | 1 | 0.0% | so that |
| you lied and committed fraud. | 2 | 0.0% | XXXX XXXX Tue |
| you lost and theres nothing that can be done. I told XXXX that I would escalate further and he told me to do what I needed to do. I have lost money | 1 | 0.0% | several months have elapsed |
| You made a mistake. '' They have shady | 1 | 0.0% | I had an issue where I had signed into my acct on XX/XX/21 to see when the payment was due |
| you mailed me a letter claiming that you refuse to perform a reinvestigation. | 1 | 0.0% | you received my dispute letter on XX/XX/XXXX. Accordingly |
| you make the rules | 1 | 0.0% | I then called my bank and filed a fraud claim that the lady from XXXX XXXX XXXX said I should do. Fraud claim people then tell me it isnt fraud and I need to file a dispute |
| you may ask TransUnion to send an updated credit report to those who have received your report within the last 2 years for employment purposes or within the last 6 months for any othe purpose '' I can't change text formats here | 1 | 0.0% | and everything went relatively smoothly at first. You are able to write a personal message '' that viewers can see - a sort of explanation '' of certain details in your own file |
| you may be eligible to receive relief from a class action settlement. | 1 | 0.0% | XXXX XXXX XXXX |
| you may be in violation of federal mail fraud statutes. | 1 | 0.0% | despite its fraudulent nature and without a legal basis |
| you may be liable for statutory damages. | 1 | 0.0% | the request or demand for personal documentation such as leases |
| you MAY be liable for willful NON-COMPLIANCE. I want XXXX & Experian to follow the list of that I've submitted to them an VERIFY that these items do not belong on my credit report. So of these items are listed three and four times on the same day!!! As far as their avoidance behavior goes ... Or as they loosely swim around the imaginary loophole of shirking responsibility ... I too have an example : If 'I ' asked XXXX and Experian to SPECIFICALLY get all the materials to gether make me a salami sandwich for this afternoon 's church picnic. I WOULDN'T EXPECT that the skid-row-bum in the proverbial alley who'd over-heard me talking to you | 1 | 0.0% | stating that I DID NOT KNOW of these other credit inquiries |
| you may be liable for you willful non-compliance. | 3 | 0.0% | yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41 |
| you may be liable for your willful non-compliance. | 20 | 0.0% | et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC |
| you may be liable for your willful non-compliance. Account name 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 {$38000.00} {$17000.00} {$920.00} {$38.00} Inquiry Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX | 1 | 0.0% | seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41 |
| you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged documentation or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act I look forward to your prompt response and the swift resolution of this dispute. Please acknowledge receipt of this letter and provide a written confirmation of the actions taken to address this issue. | 1 | 0.0% | the validation of my written authorization and it being disclosed to me as a consumer for creation of such a report |
| you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint | 2 | 0.0% | to the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making a goodwill gesture to allow you to correct your erroneous reporting |
| you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certied letter may result in a small claims action against your company | 1 | 0.0% | This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specically as it related to credit inquiries that I did not authorize |
| you may be liable for your willful non-compliance. Since you have violated Federal Law | 1 | 0.0% | but you have also failed to provide me with a copy of any viable evidence |
| you may be liable for your willful non-compliance.,,AMERICA FIRST FEDERAL CREDIT UNION,NV,89122,,Consent provided,Web,2021-04-21,Closed with explanation,Yes,N/A,4315059 | 1 | 0.0% | you will be required to appear in a court venue local to me |
| you may be liable for your willful non-compliance.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Fidelity National Information Services | 1 | 0.0% | et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC |
| you may be liable for your willful noncompliance. | 1 | 0.0% | et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC |
| you may call the toll-free telephone number provided on your personal credit report | 1 | 0.0% | through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information |
| you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax | 1 | 0.0% | XXXX XXXX This was the response from Equifax : STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint |
| you may call XXXX ( XXXX ) or you may visit XXXX. With XXXXx | 1 | 0.0% | including contacting the furnisher of the information |
| you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax | 1 | 0.0% | you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation |
| you may choose to continue with your application with Embrace even if you do receive the {$500.00}. Maximum claim of one offer per application. Limited time offer only - must submit an application to Embrace Home Loans within 30 days of this advertisement to qualify. '',,EMBRACE HOME LOANS,IL,60008,,Consent provided,Web,2021-11-02,Closed with explanation,Yes,N/A,4869015 | 1 | 0.0% | tell us about it. As long as you've submitted an application with us requesting the same terms |