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48
⌀ | Issue
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| Sub-issue
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145
⌀ | Consumer complaint narrative
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32.8k
⌀ | Company public response
stringclasses 11
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stringlengths 3
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| State
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36
⌀ | ZIP code
stringlengths 5
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⌀ | Tags
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values | Consumer consent provided?
stringclasses 4
values | Submitted via
stringclasses 7
values | Date sent to company
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| Company response to consumer
stringclasses 8
values | Timely response?
stringclasses 2
values | Consumer disputed?
stringclasses 2
values | Complaint ID
int64 1
8.36M
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2021-06-29
|
Student loan
|
Private student loan
|
Dealing with your lender or servicer
|
Trouble with how payments are being handled
| null | null |
Nelnet, Inc.
|
WI
|
54170
| null | null |
Referral
|
2021-06-29
|
Closed with explanation
|
Yes
| null | 4,503,014 |
2021-06-28
|
Debt collection
|
Credit card debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
ENCORE CAPITAL GROUP INC.
|
CA
|
91206
| null |
Consent not provided
|
Web
|
2021-06-29
|
Closed with explanation
|
Yes
| null | 4,499,284 |
2021-06-29
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
OneMain Finance Corporation
|
PA
|
18702
| null |
Other
|
Web
|
2021-07-12
|
Closed with explanation
|
Yes
| null | 4,500,897 |
2021-06-29
|
Checking or savings account
|
Checking account
|
Managing an account
|
Banking errors
| null | null |
CITIZENS FINANCIAL GROUP, INC.
|
MA
|
02180
|
Older American
|
Consent not provided
|
Web
|
2021-06-29
|
Closed with explanation
|
Yes
| null | 4,500,804 |
2021-06-29
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null | null |
EQUIFAX, INC.
|
MI
|
48316
| null | null |
Referral
|
2021-06-29
|
Closed with explanation
|
Yes
| null | 4,502,949 |
2021-06-30
|
Money transfer, virtual currency, or money service
|
Virtual currency
|
Other transaction problem
| null | null | null |
Coinbase, Inc.
|
CA
|
94301
| null |
Consent not provided
|
Web
|
2021-06-30
|
Closed with monetary relief
|
Yes
| null | 4,505,928 |
2021-07-01
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Fraud or scam
| null | null | null |
Paypal Holdings, Inc
|
AZ
|
85140
| null | null |
Referral
|
2021-07-16
|
Closed with explanation
|
Yes
| null | 4,549,810 |
2021-06-30
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
NJ
|
076XX
| null |
Other
|
Web
|
2021-06-30
|
Closed with explanation
|
Yes
| null | 4,505,894 |
2021-07-01
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
National Credit Adjusters, LLC
|
TX
|
76119
| null |
Consent not provided
|
Web
|
2021-07-01
|
Closed with explanation
|
Yes
| null | 4,510,247 |
2021-07-01
|
Vehicle loan or lease
|
Loan
|
Managing the loan or lease
|
Billing problem
| null | null |
Santander Consumer USA Holdings Inc.
|
CA
|
92203
| null | null |
Postal mail
|
2021-07-01
|
Closed with explanation
|
Yes
| null | 4,507,497 |
2021-07-01
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
FL
|
32208
| null |
Consent not provided
|
Web
|
2021-07-01
|
Closed with explanation
|
Yes
| null | 4,508,141 |
2021-07-01
|
Credit card or prepaid card
|
Government benefit card
|
Unexpected or other fees
| null | null | null |
Comerica
|
CA
|
94590
|
Older American, Servicemember
| null |
Phone
|
2021-07-01
|
Closed with explanation
|
Yes
| null | 4,508,875 |
2021-07-01
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
AL
|
35490
| null |
Consent not provided
|
Web
|
2021-07-01
|
Closed with explanation
|
Yes
| null | 4,508,507 |
2021-07-01
|
Vehicle loan or lease
|
Loan
|
Getting a loan or lease
|
Fraudulent loan
| null | null |
GFS II, LLC
|
MD
|
21040
| null |
Consent withdrawn
|
Web
|
2021-07-01
|
Closed with explanation
|
Yes
| null | 4,510,221 |
2021-07-01
|
Checking or savings account
|
Checking account
|
Managing an account
|
Problem using a debit or ATM card
| null | null |
TD BANK US HOLDING COMPANY
|
FL
|
32008
| null | null |
Referral
|
2021-07-22
|
Closed with explanation
|
Yes
| null | 4,565,545 |
2021-07-01
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Resurgent Capital Services L.P.
|
SC
|
29936
| null |
Consent not provided
|
Web
|
2021-07-01
|
Closed with explanation
|
Yes
| null | 4,507,606 |
2021-07-01
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null |
I am filing a second complaint against this company for lack of action or attention to my case. TWICE now in three months, I have submitted paperwork to request a loan modification or payment plan. TWICE now, no one has even bothered to look at the paperwork. This is the most recent timeline of events : I resubmitted a payment plan application on XX/XX/2021, as the previous application I had submitted on XX/XX/2021 [ and was never reviewed nor processed ] was pending expiration. The XX/XX/2021 packet included the two most recent paystubs for XXXX and XX/XX/2021 [ as requested ; Note : I am paid at the end of each month ]. On XX/XX/2021, I called for an update and was told the middle pages were missing. I resubmitted them on this same date, via email AND fax. On XX/XX/2021. I called to ensure all pages had been received and was told that my packet was complete '', all necessary documentation had been received and that my file was now " in underwriting. I was instructed to check back in a couple weeks. Today, XX/XX/2021, I called for that update and was told that my file is in fact NOT in underwriting, NEVER WENT to underwriting and that no one will be reviewing my packet. No one can provide an explanation and said it is now " too late to do anything. This is now the second time in three months where I have submitted EVERYTHING that was requested within the promised timeframe. This is also one more time where I have been provided inconsistent, inaccurate and misleading information. No one even bothered or tried to review the information I submitted. I have followed every directive and request but have not been met with equal participation from Fay Servicing. Now I am being told that " you have plenty of equity in your home, it seems like your case is just falling through the cracks.
I also went through this process in XX/XX/2021, where all requested information was submitted but no one reviewed that packet either. The company tells me they " want to help '' me stay in my home and that " they don't want to take '' my home, yet their actions are clearly not backing this up. Today, XX/XX/2021, I emailed two supervisors, XXXX XXXX and XXXX XXXX to request an " exception '' which supposedly could prompt someone to actually LOOK at my file? I was told to " be the squeaky wheel and call three times a day until you can talk to someone. '' I also need to work and am not sure if I am supposed to keep taking vacation time to talk to people who wager how many hoops they can make me jump through before selling my home.
Please know that this is my second complaint filed against this company since XX/XX/2021. I thought the CPFB complaint would remain open until Fay Servicing actually reviewed my file, but the complaint was closed prematurely [ XXXX XXXX ]. I have means and ability to pay. I have worked very hard to get back on track after unexpectedly losing my government job after nearly 12 years. I have lived in my home for 14 years. I have " plenty of equity '' in my home, but my case " is falling through the cracks '' at Fay Servicing. I was told they " aren't doing their job if they force my home into foreclosure '' but apparently not everyone in the company shares that mentality or expectation. The first case manager, XXXX XXXX was aggressive, hostile and did not do a single thing on my case for the first few months. While he is no longer with the company, I am still playing catch up from the work he did not do. Thank you in advance for any help in getting them to do their job. The sale of my home is scheduled in two weeks XX/XX/2021.
| null |
Fay Servicing, LLC
|
CO
|
80013
| null |
Consent provided
|
Web
|
2021-07-01
|
Closed with explanation
|
Yes
| null | 4,509,069 |
2021-07-02
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
National Account Services, Inc.
|
WI
|
53402
| null |
Consent not provided
|
Web
|
2021-07-25
|
Untimely response
|
No
| null | 4,510,419 |
2021-07-02
|
Money transfer, virtual currency, or money service
|
Virtual currency
|
Money was not available when promised
| null | null | null |
Coinbase, Inc.
|
TX
|
77479
| null |
Consent not provided
|
Web
|
2021-07-02
|
Closed with explanation
|
Yes
| null | 4,511,222 |
2021-07-02
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
Selene Holdings LLC
|
NJ
|
07463
| null |
Other
|
Web
|
2021-07-02
|
Closed with explanation
|
Yes
| null | 4,511,503 |
2021-07-02
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
ONLINE Information Services, Inc.
|
ND
|
58601
| null | null |
Phone
|
2021-07-02
|
Closed with explanation
|
Yes
| null | 4,511,799 |
2021-07-03
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Bread Financial Holdings, Inc.
|
GA
|
30180
| null |
Consent not provided
|
Web
|
2021-07-03
|
Closed with explanation
|
Yes
| null | 4,512,513 |
2021-07-03
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
The Bureaus, Inc.
|
GA
|
30180
| null |
Consent not provided
|
Web
|
2021-07-03
|
Closed with explanation
|
Yes
| null | 4,512,289 |
2021-07-03
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
EQUIFAX, INC.
|
CA
|
94607
| null |
Consent not provided
|
Web
|
2021-07-03
|
Closed with explanation
|
Yes
| null | 4,513,702 |
2021-07-05
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
TD BANK US HOLDING COMPANY
|
CA
|
90022
| null |
Other
|
Web
|
2021-07-23
|
Closed with explanation
|
Yes
| null | 4,515,763 |
2021-02-13
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Account status incorrect
| null | null |
OPORTUN FINANCIAL CORPORATION
|
CA
|
92027
| null |
Consent not provided
|
Web
|
2021-02-13
|
Closed with explanation
|
Yes
| null | 4,137,392 |
2021-02-14
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
PORTFOLIO RECOVERY ASSOCIATES INC
|
TX
|
76014
| null |
Consent not provided
|
Web
|
2021-02-14
|
Closed with explanation
|
Yes
| null | 4,139,210 |
2021-02-15
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
OH
|
44104
| null |
Consent not provided
|
Web
|
2021-02-15
|
Closed with explanation
|
Yes
| null | 4,141,931 |
2021-02-15
|
Mortgage
|
Conventional home mortgage
|
Closing on a mortgage
| null |
Between XX/XX/XXXX and XX/XX/XXXX we were wrongfully misled by Ally Home resulting in a systemic failure by Ally Home to provide us with sufficient notice of a potential discrepancy resulting in a {$2700.00} loss to us ( the buyer ) in our recent mortgage transaction with Ally Home.
- Starting as early as XX/XX/XXXX we raised this potential discrepancy to an Ally Home Staff member as a matter of extra assurance to ensure that this would not result in money being left on the table : - On XX/XX/XXXX, prior to agreeing to a change in terms with the seller, we engaged Ally Home to inquire as to whether it was likely that the Ally Home estimated closing costs of {$28000.00} to drop below the credit offered by the seller of {$25000.00}. The reason being we wanted to be sure that we could fully utilize the credit being offered by the seller. During this conversation the Ally Home Staff member indicated that it was highly unlikely for the estimated closing costs to decrease and, if anything, that they would increase. At this time we used this information to guide our decision to sign a change in terms for a {$25000.00} seller credit, taking into account the assurance from Ally Home that we would be able to fully utilize this credit.
- On XX/XX/XXXX, after receiving a preliminary closing disclosure indicating the closing costs would be less than the seller credit, we again inquired into whether this would result in leaving money on the table. An Ally Home Staff member assured us that we could still utilize the full seller assist. To quote, the email read as follow : To answer your question, it looks like you can apply the entire $ XXXX to your loan so I am not sure why it was partially collected when youre able to use the allotted amount in its entirety. Your final CD will be uploaded reflecting the full $ XXXX and if school taxes are to be covered by the seller that will be reflected as well. As soon as you both acknowledge your Initial Closing Disclosure in the portal, you can schedule closing, and then I can begin working your file and send updated documents to title for balancing.
- On XX/XX/XXXX in response to the Ally Home Staff members communication, we responded with : Should we wait to sign the [ Initial ] Closing Disclosure until these adjustments are made?
- On XX/XX/XXXX in response to the above question we received from our Home Loan Expert : No maam, since the adjustments will be reflected on your Final Closing Disclosure there wont be a revised Initial Closing Disclosure sent out. Acknowledging the Initial Closing Disclosure in the portal doesnt lock you in to any of the mistakes shown and is simply a manner of acknowledging the CD so you can schedule closing, so that we can move forward with generating the closing package.
- On XX/XX/XXXX we also attempted to engage in brainstorming around how this discrepancy could be dealt with in the event that it resulted in leaving money on the table.
- Between XX/XX/XXXX and XX/XX/XXXX we reached out multiple times to seek answers to our inquiries by email and phone with little to no response. When attempting to contact Ally Home by phone we were often assured that a message would be relayed to the appropriate Ally Home Staff member and that we would receive a call back.
- On XX/XX/XXXX, less than forty eight ( 48 ) hours prior to our closing date and time, an Ally Home Staff member reached out indicating that we had a {$2700.00} surplus of seller assist credits that we needed to address, contrary to the communication from an Ally Home Staff member on XX/XX/XXXX that any surplus could still be fully utilized. We were provided with three ( 3 ) options to explore at this time.
- On XX/XX/XXXX at XXXX Eastern Standard Time ( less than twenty four hours prior to our close ) it was realized that none of the three options were feasible. At this time an Ally Home Staff member, after apologizing profusely, indicated that a concession by Ally Home was possible and under review by the Director of Operations and being taken seriously.
- We also did not receive our final Closing Disclosure until after XXXX Eastern Standard Time, less than twenty four ( 24 ) hours from our closing, which was scheduled at XXXX EST the following day, and contrary to the twenty four ( 24 ) - forty eight ( 48 ) hour standard. By the time that we realized that the three options presented werent viable, we were well within twenty four ( 24 ) hours of our arranged closing date and time, and, as such, negotiating was not an option, resulting in almost {$3000.00} being left on the table.
Had this been appropriately addressed on XX/XX/XXXX, as it should have, after we raised the issue to an Ally Home Staff it is reasonable to believe that a solution could have been identified without disrupting our closing date or causing undue stress. As a result of this oversight and poor business practice we have lost out on {$2700.00} and incurred undue stress directly as a result of Ally Homes oversights.
We were informed by an Ally Home Staff Member that we could proceed with our originally scheduled close date and time and that doing so would not prevent, nor have any negative impact on getting this issue properly addressed. Ultimately, we received an email on our closing day, XX/XX/XXXX, but after we had already closed, indicating that no lender ( Ally Home ) credits or concessions were possible. Further, it appears that Ally Home was pretty quick to sell the loan to a new party, which could be standard business practice but from our perspective could appear to be an action by Ally Home to limit interaction with us as much as possible going forward due to the scenario described within this notice. Put in simple terms a way of making the problem go away.
| null |
ALLY FINANCIAL INC.
|
PA
|
189XX
| null |
Consent provided
|
Web
|
2021-02-15
|
Closed with explanation
|
Yes
| null | 4,140,654 |
2021-02-16
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Kriya Capital, LLC
|
GA
|
30082
| null |
Consent not provided
|
Web
|
2021-02-16
|
Closed with non-monetary relief
|
Yes
| null | 4,141,419 |
2021-02-16
|
Checking or savings account
|
Checking account
|
Managing an account
|
Funds not handled or disbursed as instructed
| null | null |
BBVA FINANCIAL CORPORATION
|
NY
|
10069
| null |
Consent not provided
|
Web
|
2021-02-16
|
Closed with explanation
|
Yes
| null | 4,143,069 |
2021-02-16
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Managing, opening, or closing your mobile wallet account
| null | null | null |
Paypal Holdings, Inc
| null |
XXXXX
| null |
Consent not provided
|
Web
|
2021-02-16
|
Closed with explanation
|
Yes
| null | 4,141,695 |
2021-02-16
|
Debt collection
|
Medical debt
|
Attempts to collect debt not owed
|
Debt was paid
|
BAY CR WAS PD XXXX STILL ON CR BUR NOT PAID
| null |
HOVG, LLC
|
TX
|
763XX
| null |
Consent provided
|
Web
|
2021-02-16
|
Closed with explanation
|
No
| null | 4,142,763 |
2021-02-17
|
Money transfer, virtual currency, or money service
|
Domestic (US) money transfer
|
Fraud or scam
| null | null | null |
Coinbase, Inc.
|
CA
|
91739
| null |
Consent not provided
|
Web
|
2021-02-17
|
Closed with explanation
|
Yes
| null | 4,145,055 |
2021-02-17
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
ENCORE CAPITAL GROUP INC.
|
FL
|
33948
| null |
Consent not provided
|
Web
|
2021-02-17
|
Closed with explanation
|
Yes
| null | 4,147,933 |
2021-02-17
|
Mortgage
|
FHA mortgage
|
Struggling to pay mortgage
| null | null | null |
CMG MORTGAGE, INC
|
ME
|
040XX
| null |
Other
|
Web
|
2021-02-17
|
Closed with explanation
|
Yes
| null | 4,145,854 |
2021-02-18
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
The Bureaus, Inc.
|
NC
|
28215
| null |
Consent not provided
|
Web
|
2021-02-18
|
Closed with explanation
|
Yes
| null | 4,150,790 |
2021-02-18
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
CAVALRY INVESTMENTS, LLC
|
MA
|
02301
| null |
Consent not provided
|
Web
|
2021-03-08
|
Closed with explanation
|
Yes
| null | 4,147,482 |
2021-02-18
|
Checking or savings account
|
Savings account
|
Managing an account
|
Problem using a debit or ATM card
| null | null |
JPMORGAN CHASE & CO.
|
NY
|
10306
| null | null |
Referral
|
2021-02-22
|
Closed with explanation
|
Yes
| null | 4,157,517 |
2021-02-18
|
Vehicle loan or lease
|
Loan
|
Managing the loan or lease
|
Billing problem
| null | null |
TOYOTA MOTOR CREDIT CORPORATION
|
IL
|
60074
| null |
Consent not provided
|
Web
|
2021-02-18
|
Closed with explanation
|
Yes
| null | 4,149,200 |
2021-02-19
|
Mortgage
|
FHA mortgage
|
Trouble during payment process
| null | null | null |
LD Holdings Group, LLC
|
NY
|
11412
| null |
Consent not provided
|
Web
|
2021-02-19
|
Closed with explanation
|
Yes
| null | 4,150,051 |
2021-02-19
|
Payday loan, title loan, or personal loan
|
Installment loan
|
Problem with the payoff process at the end of the loan
| null | null | null |
American First Finance, Inc.
| null | null | null | null |
Phone
|
2021-02-19
|
Closed with explanation
|
Yes
| null | 4,152,324 |
2021-02-23
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Managing, opening, or closing your mobile wallet account
| null | null | null |
Paypal Holdings, Inc
| null |
XXXXX
| null |
Consent not provided
|
Web
|
2021-02-23
|
Closed with explanation
|
Yes
| null | 4,160,499 |
2021-03-03
|
Mortgage
|
Other type of mortgage
|
Closing on a mortgage
| null | null | null |
Dovenmuehle Mortgage, Inc.
| null | null | null | null |
Referral
|
2021-03-05
|
Closed with explanation
|
Yes
| null | 4,185,345 |
2021-03-03
|
Debt collection
|
Mortgage debt
|
False statements or representation
|
Attempted to collect wrong amount
|
XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX XXXX.
XXXX XXXX, CO XXXX E*TRADE Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Please take notice as follows : 1. Authority : That this Notice of Dispute of Alleged Debt ( Notice of Dispute ) is sent to you pursuant to Title 15, United States Code Annotated ( U.S.C.A ) 1692 et seq, known as the Fair Debt Collection Practices Act ( FDCPA ), the legislative purpose of which is to protect consumers from abusive, deceptive, and unfair debt collection practices by debt collectors, including alleged E*TRADE Bank , ( XXXX ) XXXX XXXX XXXX, ( XXXX ), and XXXX XXXX, ( XXXX ) and its alter egos acting as a vehicle for FRAUD for these alleged creditors in this CIVIL THEFT ; 2. Your notice of default/debt collection letter dated : XX/XX/XXXX : That we have received on XX/XX/XXXX and read your debt collection letter referenced above, identifying yourself as Servicer and its agent and falsely stating the XXXX and XXXX as Debt Collector of the above-reference false creditor, wherein you allege that we have a debt obligation to the alleged creditor referenced above.
1 ) Your letter dated XX/XX/XXXX, falsely stated that, the above referenced mortgage account is delinquent ( your ltr. para 1 pg.1 ) Please note that the above referenced loan was rescinded, and your status was changed from secured to unsecured, and was discharged in Bankruptcy Cases. There is no default and you are forever barred to collect on a discharged loan. You are knowingly and intentionally falsifying and misleading, committing bankruptcy discharge violation, because Debts were discharged in Bankruptcy and there was permanent injunction of 524, which forever prevents XXXX, XXXX XXXX, and XXXX et al from collecting a discharged debt.
2 ) For your information we disputed this debt with XXXX, and XXXX asked for verification and validation of the alleged debt, via Certified Return Requested Mail Number XXXX for XXXX and Certified Return Requested Mail Number XXXX dated XX/XX/XXXX, received by XXXX and XXXX on XX/XX/XXXX, and on XX/XX/XXXX. In a letter dated XX/XX/XXXX XXXX informed and stated ; The Above reference mortgage account was discharged from the Chapter XXXX Bankruptcy, therefore there is no longer a debt for us to validate XXXX Letter dated XX/XX/XXXX XXXX ) XXXX letter of XX/XX/XXXX is in violation of Rescission and Bankruptcy Discharge. We are asking the Bankruptcy Court to act for these violations against XXXX, XXXX, XXXX and all others involved in this civil theft.
4 ) The subject loan was rescinded within 03 years with, XXXX XXXX XXXX a division of XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX XXXX ), XXXX Customer Service, ( XXXX ), the prior servicer and XXXX and later as a defense to foreclosure., XXXX XXXXXXXX XXXX XXXX XXXX and XXXX intentionally ignored our rescission notice and failed to act within 20 days window and by operation of law rescission was self-imposed and their status was reduced from secured to unsecured creditors.
5 ) The subject loan was unsecured and listed as in Bankruptcy cases and was discharged.
6 ) XXXX letter of XX/XX/XXXX is in violation of Rescission, Bankruptcy Discharge, and Bankruptcy laws.
7 ) XXXX, XXXX and XXXX failure to perform as requested showed bad faith and established the fact that XXXX XXXX and XXXX are using abusive, deceptive, false, and unfair collection tactics against us as a consumer. Furthermore, since XXXX, XXXX and XXXX remained silent to our request or were unable to verify and validate the debt as above, the legal concepts of estoppel by acquiescence and tacit admission came into play whereby the alleged debt was admitted invalid, a nullity, and unenforceable, and thereby repudiated in its entirety ab initio.
3. Purpose of this notice : That the purpose of this Notice of Dispute is to assert our rights in debt collection under FDCPA 1692 XXXX g ) ( b ) without delay and within thirty ( 30 ) days of our receipt of your aforesaid debt collection letter ; 4. Alleged debt disputed : That we hereby dispute the validity of the alleged debt in its entirety ; 5. Verified documentary evidence requested : That we hereby request you provide us with the following verified ( sworn to by affidavit ) documentary evidence in substantiation of the alleged debt claimed by the alleged creditor referenced in your debt collection letter cited above ; ( a ) Proof of authority : Please provide us with verified ( sworn to by affidavit ) proof of your authority to represent the alleged creditor in this instant matter ; ( b ) Real party in interest : Please verify who the real party in interest and or Person Entitled to Enforce, ( PETE ) is in this debt collection matter, because, XXXX XXXX XXXX and XXXX and XXXX sold this loan as unregistered and unregulated security, using leveraging, therefore neither XXXX XXXX XXXX and XXXX nor XXXX are owners of this DISCHARGED LOAN as stated above ; ( c ) Alleged original creditor. Please provide us with the name and address of the alleged original creditor if different from the alleged creditor identified in your above-mentioned debt collection letter, because, XXXX XXXX XXXX and XXXX and XXXX sold this loan as unregistered and unregulated security, using leveraging, therefore neither XXXX XXXX XXXX and XXXX nor XXXX are owners of this DISCHARGED LOAN as stated above ; ( d ) Alleged original agreement : Please provide us with a verified ( sworn to by affidavit ) copy, both front and back, of the alleged original agreement and any other alleged original instruments in their entirety, including the allonge, affixed to the original alleged agreement for endorsements. Said affidavit is to be sworn to be true, correct, complete, and not misleading, by a properly identified and authorized officer of the alleged creditor, who states that he or she has personal knowledge ( Federal Rules of Evidence [ FRE ] Rule 602 ) of the validity of said alleged original document ( s ).
( i ) Inspection of document ( s ). Please provide us with the date, time, and place convenient to ( CITY, STATE ), that we can personally inspect the above alleged original agreement, with bond/security with the investors name on it and any other alleged original instruments in their entirety relevant to the above alleged debt with our legal representative and the Court Reporter, and expenses for the said inspection must be remitted to us in advance ; ( ii ) Custodian of document ( s ). Please provide us with the name, title, and address of the natural person custodian of the alleged original agreement and of any other alleged original instruments.
( iii ) Address of physical location of document ( s ). Please provide us with the address of the physical location of the alleged original agreement and any other alleged original instruments if different from ( ii ) above.
( e ) Holder in due course. Please provide us with verified ( sworn to by affidavit ) evidence that the alleged creditor is the party in the instant matter, i.e., holder in due course, and has a perfected interest in the aforesaid alleged agreement and alleged debt ; ( f ) Proof of Value Given : Please provide us with verified ( sworn to by affidavit ) copies, both front and back, of all documents and records with respect to the aforesaid alleged agreement and alleged debt from the beginning, including but not limited to, any and all issued cancelled certified checks, cashiers checks, money equivalents or similar instruments, identified as or evidencing assets provided by the alleged creditor and/or the alleged original creditor to us and indorsed by us ; ( g ) Deposit slip and cancelled check : Please provide us with a verified ( sworn to by affidavit ) copy of the deposit slip for the deposit of my alleged agreement in its entirety by the alleged creditor associated with the above alleged account/file number, and a verified copy of the cancelled check issued by the alleged creditor as payor in payment for our alleged agreement in its entirety and any other alleged related instruments ; ( h ) Affidavit of debt & damages : Please provide us with an affidavit of debt and damages incurred, sworn to be true, correct, complete, and not misleading, by a properly identified and authorized officer of the alleged creditor, hereinafter affiant, upon his or her personal knowledge ( FRE Rule 602 ) stating : ( i ) That the alleged creditor is, indeed, the party and holder in due course and PETE of the aforesaid alleged original agreement in issue and has an enforceable perfected interest therein pursuant to law and in compliance with, or equivalent sections of the Commercial Code of Virginia State, because, XXXX XXXX XXXX and XXXX and XXXX sold this loan as unregistered and unregulated security, using leveraging, therefore neither XXXX XXXX XXXX and XXXX nor XXXX are owners of this DISCHARGED LOAN as stated above ; ( ii ) That the alleged creditor provided consideration to us, the alleged debtors, from the assets they had on hand before the alleged credit was made, and incurred a financial loss under the full and complete alleged original agreement and alleged debt, and state each and every loss that the alleged creditor has incurred to date under the alleged debt in issue ; and ( iii ) That affiant has personal knowledge ( FRE Rule 602 ) regarding the facts of the alleged debt and is the original custodian of the books of entry, or directly supervises said original custodian of the records.
( j ) Bookkeeping journal / account ledger entries : Please provide us with a verified ( sworn to by affidavit ) copy of the complete set of original bookkeeping journal / account ledger entries associated with our alleged agreement and alleged file/account number using Generally Accepted Accounting Principles, ( GAAP ) per 12 U.S.C. 1831n, showing all debits and credits and identifying the source ( s ) and amount of the credit funds/assets ; Note : The verifying affidavit of journal / account ledger bookkeeping entries, assets side and liability side of the ledgers, is to be completed by the original custodian of the books and records, sworn to be true, correct, complete, and not misleading. Further, said affidavit shall contain positive identification of the custodian, and state that he or she has personal knowledge ( FRE Rule 602 ) of said entries.
( k ) Assignment contract : Please provide us with verified ( sworn to by affidavit ) proof of an assignment contract in its entirety of the alleged original agreement and the alleged debt in issue from an alleged original creditor, as assignor, to the alleged creditor, as assignee ; ( l ) Proof of authority : Please provide us with a verified ( sworn to by affidavit ) copy of the contract XXXX and its alter ego XXXX has with the alleged original creditor which authorizes XXXX XXXX and XXXX to engage in collection activities on their behalf against the above alleged account, and naming you, ( XXXX ) as an authorized servicer/collection agent / claims adjuster, after the REMIC Trust was dissolved in XX/XX/XXXX due to major trigger event when XXXX and the Banks were bailed out through the Taxpayers money ; ( m ) Certification of authority : Please provide us with a verified ( sworn to by affidavit ) certificate of authority, authorizing your company XXXX and its alter ego Computershare to transact business in the state of Virginia and a photocopy of your State Department of Commerce and Insurance certificatXXXX XXXX and Malpractice Insurance Policy numbers etc. ; ( n ) Form XXXX : Please provide us with Department of the Treasury Form XXXX Custodian of Documents attached or associated with our alleged original agreement and /or the name and address of said custodian per ( b ) ( ii ) above ; ( o ) Form XXXX : Please provide us with Department of the Treasury Form XXXX Original Issue Discount, ( XXXX ) for each year the alleged creditor was holder in possession of the alleged original agreement ; ( p ) Vendor sales slips/vouchers : Please provide us with verified ( sworn to by affidavit ) copies of all original sales slips/vouchers from all alleged vendors covering all alleged transactions in the above referenced file/account from its inception to date.
Note : This Notice of Dispute is not a request for confirmation that you have mere photocopies of alleged documents. We are requesting ONLY VERIFIED DOCUMENTARY EVIDENCE in validation of the alleged debt pursuant to the FDCPA. 6. Warning : That all your communications and omissions will be made a part of and incorporated into any litigation arising from this matter. 7. Time is of the essence ; reply deadline : That time is of the essence, therefore, we extend to you, RightWay, thirty ( 30 ) days from the date of your receipt of this Notice of Dispute to perform in compliance with verifying the alleged debt as requested above per FDCPA mandates. We will consider a reasonable extension of timeonly to produce verified documentsshould you need more than the thirty ( 30 ) days if you request it in writing to the address above. Your failure to perform as herein requested will show bad faith and will establish the fact that you are using abusive, deceptive, false, and unfair collection tactics against us as a consumer. Furthermore, if you remain silent to this request or are unable to verify the debt as above, the legal concepts of estoppel by acquiescence and tacit admission will come into play whereby the alleged debt will be admitted invalid, a nullity, and unenforceable, and thereby repudiated in its entirety ab initio. In the interim, you are prohibited from any contact with us, the undersigned, except in writing, and only regarding the matters herein expressed. All debt collection activity including litigation is to cease per FDCPA 1692g ( b ) the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt 8. Mandatory reply to undersigned : That all of the above demanded verified evidence, sworn to by a competent witness per FRE Rule 602, should be sent to us, the undersigned, as indicated at the address above within the above-mentioned thirty ( 30 ) days from your receipt of this Notice of Dispute. Please do not send any reply correspondence to us at any other mail location except as below : 9. We hereby object and dispute the alleged debt, because this is the violation of the rescission and Chapter 7 Bankruptcy Discharges, and you and your alleged client can not add any fee and or amount to that, discharged debt ; 10. Please ask your alleged client to provide the following accounting ledgers ; 1 ) Servicers REMITTANCE LEDGER, since inception ; 2 ) Master Servicers REMITTANCE LEDGER, since inception ; 3 ) Trustees REMITTANCE LEDGER, since inception ; 4 ) Distribution Report amount received through and entered in above ledgers ; 5 ) FASB-95, Cash Flow Statement : Please provide us with, FASB-95, Cash Flow Statement. We have an asset that you are holding of ours that you failed to give credit to us, where the alleged creditor has made a mistake, is that they are likely carrying our asset on liability ledger of balance from your accounts receivable.
6 ) We have already requested to you and your predecessors and are requesting again from you, your alter ego, to go and check the record, asset side ( receivable side ) and liability side ( accounts pay able ) of the accounting ledger.
7 ) On the corporate liability off balance sheet ledgers, there has been a setoff deposited there and while comparing both sets of books, you will see there is a setoff, which is a claim under civil rule 13, which we have timely invoked and are invoking again for the record for future use.
8 ) We signed the promissory note under UCC Article 3 and after securitization it comes under the Article 8 and you and your alleged client have failed to record a debt to us on their liability side of the ledger.
9 ) Your client being the alleged creditor, have waived their status as a creditor when they accepted our tender of payment under UCC 3-409 ( a ) & ( b ) and UCC 3-604 ( a ).
10 ) You and your alleged client did not adjust their accounting ledger to reflect settlement and closure of the accounts receivable side of the accounting ledger. All you and your alleged client have done is to keep the ledger separate and commit fraud upon fraud, in committing this civil theft.
11 ) We also request you XXXX, your alter ego XXXX, XXXX its owners, servants, employees and agents to go and see both accounts receivable and accounts payable and to do a setoff under FAS XXXX as the debt is extinguished from the books when we tendered the promissory note to you. Under Article 9 in commercial law everything becomes the cash proceeds.
12 ) We also request you to produce XXXX registration statement which will indicate that your alleged clients have sold the note and that is a transfer and your alleged client and or its agents are not the real party in interest.
13 ) The balance sheet, a XXXX, XXXX, and XXXX, have OMB numbers on them which will tell you that Factious entity including XXXX XXXX XXXX, XXXX, XXXX, have sold the note. ( These balance sheets are subject to disclosure under the privacy act, Title 5 USC 552 ( b ) ( 4 ).
14 ) Your alleged clients are required to file balance sheets, under USC 248 and 347 with the Federal Reserve Board. The balance sheets show the assets and liability that you have use in accounting. The liability would be the promissory note. It is liability because it is an asset to us.
15 ) We have decided why to carry the payables on the books if it has been abandoned. Why not write them off and sell them for more cash. Your alleged client and its agents are calling it an offset accounting, but in UCC it is called a recoupment.
16 ) We hereby do a defense in recoupment under UCC 3-305 and a claim under 3-306.
17 ) We have a possessory and property claim against the cash proceeds under the liability side of the ledger.
18 ) As per UCC 3-306, there can not be a holder in due course on the promissory note after your client has deposited it.
19 ) Your clients are doing an off-balance sheet entry. This means that your clients have taken our note after they sold it, instead of showing it on balance sheet they have moved over to some other entities balance sheet. It is no longer on the banks books and this is called off balance sheet bookkeeping.
20 ) You and your client are not showing the liability side of the ledger or the accounts payable because it has been moved over to someone elses balance sheet.
21 ) Now we are bringing in recoupment on behalf of the real party of interest which are us because we are the real creditor against the liability side of the account.
11. Abusive/Deceptive/Unfair and Deceptive Practices Neither XXXX nor the XXXX, the Servicers, did not comply with all federal and state requirements in connection with the servicing as stated above in paragraphs 1-10 above ; they violated rescission laws and Bankruptcy Discharge and repeatedly sent us notices/letters in violation of FDCPA illegal foreclosure when Deed of Trust, ( DOT ) ) was VOID due to rescission. They were involved in Unfair, Deceptive, or Abusive Acts or Practices, ( UDAAP ) in Collection of Consumer Debts, and failed to comply with any obligations they have under FDCPA, in addition to any obligations to refrain from UDAAPs.We have correctly requested to Consumer Financial Protection Bureau, ( Cfpb ) and requested to take action against, them, for this fraudulent debt, in violation of 15U.S.C. 1692e ( 2 ) ( A ), threatened to take an action that can not legally be taken or that it did not intend to take, in violation of 1692e ( 5 ), and used a false representation or deceptive means to collect or attempt to collect a debt, in violation of 1692e ( 10 ).
Under Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ), XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX and its alter ego are legally required to refrain from committing, UDAAP. XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX and it alter egos UDAAPs caused significant financial injury to us as consumer, erode confidence, and undermine fair competition in financial marketplace. XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX and its alter ego under Dodd-Frank Act involved in collecting debt related to any consumer financial product or service are subject to prohibition against UDAAPs in the Dodd-Frank Act. See Dodd-Frank Act, 1002, 1031 & 1036 ( a ), codified at 12 U.S.C. 5481, 5531 & 5536 ( a ). It is prohibited for any person, to knowingly or recklessly provide substantial assistance to a covered person, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX and its alter ego or service provider in violating section 1031 of the Dodd-Frank Act. See 1036 ( a ) ( 3 ), 12U.S.C. 5536 ( a ) ( 3 ).
12. Failure to Response/Acquiescence/Admission Please note that in the past we sent to your office and others our, NOTICE OF RESCISSION AS DEFENCE TO FPRECLOSURE PURSUANT TO 11. U.S.C 1635 ( i ) ( 2 ) and the XXXX XXXX XXXX, XXXX, XXXX, XXXX and XXXX and its alter ego without reading it, acknowledged our Rescission Notice and failed to take action required within 20 days as required by the Statue and rescission is self-imposed by operation of law.
Your abusive, deceptive, and unfair debt collection practices by debt collectors ; we have already sent Dispute letter to other actors in this fraud and have not heard any response from them. Your failure to perform as herein requested have shown bad faith and established the fact that you are using abusive, deceptive, false, and unfair collection tactics against us as a consumer. The actual money trail representing the WHOLE accounting for every penny that went in and every penny that went out that related to each loan or was attributable to each loan for which there is no accounting in existence because if it existed it would need to be produced and if it was produced it would be discovered that two things are true ; ( a ) that the balance owed on the obligation of the homeowner had been paid down by resort to undisclosed funds created from the transaction between the borrower and the investor-lenders and ( b ) that far more money went into the system than went out, leaving the intermediaries richer and the investor-lenders and homeowners poorer.
Your irregularities in the modification /short sale/ foreclosure process reflect deeper failures to document properly changes of ownership as mortgage loans were securitized, sold as unregistered and unregulated security using leveraging.
XXXX, the servicer for the known securitizations participants do not have any authority to represent the alleged creditor, and could not represent them due to the obvious conflict of interest, to wit : the investor upon learning that a substantial amount of their advance of cash was pocketed by the intermediaries like XXXX XXXX XXXX, XXXX, XXXX and now is left with the mortgage whose nominal value is far below what was paid, and whose fair market value is far below the nominal value, would have potential substantial claims against the securitization participants XXXX XXXX XXXX , XXXX, XXXX for fraud, conversion, breach of contract, and other claims. Fraud upon investors in relevant to borrowers because it is additional evidence of an overall fraud and conversion scheme against us as homeowners, because it tends to show motive and intent in the fraud and conversion claims by the borrowers.
Accordingly, we hereby rescinded said Mortgage Loan as a full and complete defense to your any illegal intent to illegally foreclose based on a VOID Instrument ( DOT XXXX on our promissory residence pursuant to 11 U.S.C 1635 ( i ) ( 2 ), when we are not in default. Through the Qualified Written Request, ( QWR ) and other Dispute, and Cease and Desist letters/Notices, we have requested accountings, ledgers and other information were not provided by the XXXX XXXX XXXX XXXX, XXXX and XXXX. See Supra pg.7 para 10.
Please see also Bankruptcy Cases, 08-18049-RGM Dkt.19 pg.8 of 39 ; Case No. 13-14502-RGM Dkt.20 pgs. 7, 8 and 18 ; and case no.20-12093-KHK Dkt.7 pg.20, 30 and items,2.7, 2.36, 2,37 and 2.38. You are knowingly and intentionally falsifying and misleading, committing bankruptcy discharge violation, because Debts were discharged in Bankruptcy and there was permanent injunction of XXXX, which forever prevents XXXX, XXXX XXXX, and XXXX XXXX al from collecting a discharged debt.
13. XXXX XXXX XXXX XXXX, XXXX, XXXX ( previous servicer ) and XXXX ( current servicer ) did not comply with all federal and state requirements in connection with their servicing as stated above in paragraphs above. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX violated rescission laws, bankruptcy laws, bankruptcy discharge and repeatedly threatened to schedule for illegal foreclosure when Deed of Trust, ( DOT ) was VOID due rescission. Id XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX were involved in Unfair, Deceptive, or Abusive Acts or Practices, ( UDAAP ) in Collection of Consumer Debts, and failed to comply with any obligations they have under FDCPA, in addition to any obligations to refrain from UDAAPs.
14. The claim that we ( originator and maker ) can make is set off because XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has sold an unregistered note and can not be a holder in due course because they are taking it subject to administrative and commercial claims. They have created a mortgage purchase loan ( 16 CFR 433.1 ). This whole process is not about mortgage at all, because they have sold the note and received the funds and closed the account by assuming, they have repaid the originator ( us ) on the loan. If they have already repaid the originator ( us ) on the loan, the living man who signed the note, then the whole thing is closed.
15. We request XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX to go and check both sets of books and to do the setoff as we are bringing the offsetting claim under the rules of procedure as they have waived their status as a creditor when they accepted our tender of payment under UCC 3-409 ( a ) & ( b ) and UCC 3-604 ( a ) and failed to adjust their accounting ledger to reflect settlement and closure of the accounts receivable side of the ledger.
16. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX are not applying the correct accounting entries under GAAP and GAAS and not giving the claim to us, as we have the processionary right in the instrument and its proceeds under section 3-306 of the UCC.
17. If XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and their agents have valid authority from the creditor to proceed in this matter, please note that the subject loan has been rescinded, under TILA within three years and as a defense to foreclosure and alleged creditors status has been reduced from secured to unsecured creditor and discharged in chapter 7 bankruptcy.
18. Since you or your alleged creditor failed to dispute the rescission or take the requisite next steps within 20 days and rescission is self-imposed and you and your alleged creditor is in violation of TILA again.
19. Upon serving the notice of rescission, the TILA statute and Regulation Z states that by operation of the law, the security interest automatically becomes void and the debtor is relieved of any obligation to pay any finance or other charge ( 15 U.S.C. 1635 ( b ), Reg. Z 226.15 ( d ) ( 1 ), 226.23 ( d ) ( 1 ) ).
20. Our Notice of Rescission has reduced XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and other alleged creditors, as unsecured creditors. The facts and circumstances that we filed a copy of the notice of rescission as a defense to foreclosure. Thus, since the security interest is automatically voided per TILA and Regulation Z upon rescission, the mortgage note is no longer secured, classified as unsecured and discharge in bankruptcy.
21. In addition, please provide a complete and itemized transaction history of the subject loan [ discharge in bankruptcy ] that we are entitled to under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.
22. We dispute that we are in default since there seems to be irregularities in how payments have been applied as well as escalated fees and charges, when the loan is performing and is in the trust per your statements.
23. We are unable to resolve the dispute as to the balance claimed due without the life of bankruptcy discharge loan history and an explanation of how any late fees or other administrative fees have been assessed and applied.
24. YOU ARE HEREBY ON NOTICE THAT XXXX XXXX XXXX AND XXXX XXXX XXXX ARE DISPUTING THIS ALLEGED DEBT, WHICH WAS DISCHARGED IN OUR CHAPTER XXXX BANKRUPTCY, AND XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AND ITS ALTER EGO ARE IN VIOLATION OF BANKRUPTCY DISCHARGE THROUGH XXXX ; 1 ) PLEASE CEASE & DESIST YOUR ILLEGAL COLLECTION ACTIVITIES AND ANY INTENT TO TAKE ANY ILLEGAL ACTION INCLUDING WRONGFUL AND ILLEGAL FORECLOSURE ACTION BASED ON A VOID INSTRUMENT, DISCHARGE LOAN, AND REFRAIN FROM ILLEGAL ATTEMPTS TO COLLECT ON A RESCINDED AND DISCHARGED LOAN PURSUANT TO BANKRUPTCY RULES AND TILA AND AS A DEFENSE TO FORECLOSURE, REPEATEDLY RECEIVED BY XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX AND ITS PREDECESSORS, THEIR AGENTS, SERVENTS AND EMPLOYEES.
XXXX ) IN ADDITION, WE ARE DISPUTING THE DEBT ALLEGEDLY OWED TO YOUR ALLEGED OWNER BECAUSE YOU, ARE JUST THE SERVICERS AGENT AND WHEN THE LOAN IS SECURITIZED AND IS IN REMIC TRUST, WE ARE NOT DEALING WITH ANY LENDER/CREDITOR, BECAUSE REMIC TRUSTS DO NOT HAVE LENDERS/CREDITORS, AS FALSELY STATED BY YOU IN YOUR LETTER CITED ABOVE.
3 ) WE ARE REQUESTING PROOF OF OWNERSHIP AND/OR ENTITLEMENT RIGHT, WITH ALL REQUEST MADE ABOVE IN EACH PARA ABOVE.
4 ) PLEASE REMOVED THE, VOID DEED OF TRUST FROM THE LANDS RECORD Signed with reservation of all rights, Respectfully yours __-sd-___________ _-sd-___________ XXXX XXXX & XXXX XXXX XXXX
| null |
E*TRADE BANK
|
VA
|
20148
|
Older American
|
Consent provided
|
Web
|
2021-03-04
|
Closed with explanation
|
Yes
| null | 4,180,143 |
2021-03-03
|
Mortgage
|
VA mortgage
|
Trouble during payment process
| null | null | null |
Mr. Cooper Group Inc.
|
MD
|
20707
|
Servicemember
|
Consent not provided
|
Web
|
2021-03-03
|
Closed with explanation
|
Yes
| null | 4,180,315 |
2021-03-04
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
ERC
|
CA
|
92805
| null |
Consent not provided
|
Web
|
2021-03-04
|
Closed with explanation
|
Yes
| null | 4,182,234 |
2021-03-04
|
Debt collection
|
I do not know
|
Communication tactics
|
Frequent or repeated calls
| null | null |
PORTFOLIO RECOVERY ASSOCIATES INC
|
CA
|
93635
| null |
Consent not provided
|
Web
|
2021-03-04
|
Closed with non-monetary relief
|
Yes
| null | 4,183,671 |
2021-03-04
|
Checking or savings account
|
Other banking product or service
|
Closing an account
|
Can't close your account
| null | null |
HSBC NORTH AMERICA HOLDINGS INC.
|
NJ
|
08050
| null | null |
Referral
|
2021-03-05
|
Closed with explanation
|
Yes
| null | 4,188,441 |
2021-03-04
|
Credit card or prepaid card
|
General-purpose credit card or charge card
|
Problem when making payments
|
Problem during payment process
| null | null |
BBVA FINANCIAL CORPORATION
|
NC
|
27107
| null | null |
Referral
|
2021-03-12
|
Closed with non-monetary relief
|
Yes
| null | 4,208,002 |
2021-03-05
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Problem with fraud alerts or security freezes
| null | null | null |
EQUIFAX, INC.
|
IL
|
60453
| null | null |
Phone
|
2021-03-05
|
Closed with explanation
|
Yes
| null | 4,186,427 |
2021-03-05
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Conn's, Inc.
|
OH
|
43207
| null |
Consent not provided
|
Web
|
2021-03-05
|
Closed with explanation
|
Yes
| null | 4,186,162 |
2021-03-05
|
Debt collection
|
Other debt
|
False statements or representation
|
Attempted to collect wrong amount
| null | null |
HW Holding, Inc
|
VA
|
22307
| null |
Consent not provided
|
Web
|
2021-03-17
|
Closed with explanation
|
Yes
| null | 4,189,060 |
2021-03-05
|
Money transfer, virtual currency, or money service
|
Domestic (US) money transfer
|
Fraud or scam
| null | null | null |
PNC Bank N.A.
|
IL
|
60194
| null |
Consent not provided
|
Web
|
2021-03-05
|
Closed with explanation
|
Yes
| null | 4,186,329 |
2021-03-06
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Managing, opening, or closing your mobile wallet account
| null | null | null |
Paypal Holdings, Inc
|
AL
|
XXXXX
| null |
Consent not provided
|
Web
|
2021-03-06
|
Closed with explanation
|
Yes
| null | 4,190,326 |
2021-03-06
|
Checking or savings account
|
Checking account
|
Managing an account
|
Problem using a debit or ATM card
| null | null |
JPMORGAN CHASE & CO.
|
NY
|
10467
| null | null |
Referral
|
2021-03-09
|
Closed with explanation
|
Yes
| null | 4,198,274 |
2021-03-05
|
Checking or savings account
|
Checking account
|
Managing an account
|
Problem accessing account
| null | null |
TD BANK US HOLDING COMPANY
|
NY
|
10034
|
Servicemember
| null |
Referral
|
2021-03-09
|
Closed with explanation
|
Yes
| null | 4,197,434 |
2021-03-06
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
Southwest Credit Systems, L.P.
|
NH
|
03461
| null |
Consent not provided
|
Web
|
2021-03-06
|
Closed with explanation
|
Yes
| null | 4,190,476 |
2021-03-07
|
Debt collection
|
I do not know
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
ENCORE CAPITAL GROUP INC.
|
NJ
|
07060
| null |
Consent not provided
|
Web
|
2021-03-07
|
Closed with explanation
|
Yes
| null | 4,191,595 |
2021-03-07
|
Credit card or prepaid card
|
General-purpose credit card or charge card
|
Getting a credit card
|
Application denied
| null | null |
AMERICAN EXPRESS COMPANY
|
NJ
|
07712
| null |
Consent not provided
|
Web
|
2021-03-07
|
Closed with explanation
|
Yes
| null | 4,194,224 |
2021-03-07
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
PA
|
19143
| null |
Consent not provided
|
Web
|
2021-03-07
|
Closed with explanation
|
Yes
| null | 4,190,911 |
2021-03-07
|
Mortgage
|
Other type of mortgage
|
Struggling to pay mortgage
| null |
After the Covid19 pandemic relief My loan was approved for modification on XX/XX/2021. According to the disclaimer online a lost mitigation specialist will contact me between 10 to 14 business days. No one has contacted me to inform me of the status of the modification. I went online again to reapply because I had absolutely no inclanation of what was going on and still had no response from my assigned loan specialist. I hadnt received any correspondence from Mr. Cooper Mortgage company with any terms and conditions of my loan modification to sign. My loan specialist XXXX XXXX never made the effort to contact me by phone nor in writing to advise me that my modification was approved ; However Mr. XXXX did make effort to assure I received two denial letters informing me my modification was denied since I failed to make my first payment during pretrial.
As a consumer, I entrusted the employees that The Cooper Mortgage company hired as representatives f to uphold his company mission statement by guiding me in the right path on the process of the loan modification with accuracy. I am sure the Cooper Mortgage company is not in the business of misleading his consumers. I have done my due diligence by applying for a loan modification after the pandemic which affected millions of Americans who have lost their primary source of income. Furthermore I lost my husband in the process of this pandemic. I have no intention of losing my home as well. That is the reason I applied for the modification not once but twice due and continuously contacting the modification department for updates. I understand that the loan specialist might be overwhelmed with Loan Modification application, However It cant be at the loss of my home because my specialist failed to inform me of the trial that I was placed on and the steps I need to take to prevent my modification being denied. Seems like none of the customer representative or loan specialists are on the same wavelength. I have been misguided, misinformed with incorrect information. The main reason I applied for the modification is to prevent my home going into foreclosure. I was waiting to sign documents that I never received. If I was made aware I am on pre trial, I would make the first payment to remain on the pre trial and to prevent this unforeseen errors I was trying to prevent at first.
Again, on XX/XX/2021, I received a letter stating that they have all the documentation they needed and I didn't need to do anything else. I was in an evaluation process and once they have concluded their evaluation they will notify me in writing.
On XX/XX/2021 I called customer service to check the status of my loan modification, and spoke with XXXX, she advised me that they have not even reviewed my loan modification request and she can help me resubmit my loan modification request to my surprise! The rep proceeded to cancel the approved loan modification, and asked me a series of questions and advised me that she was going to mail out the modification packet to my home and etc. I asked her should I make my XXXX payment at least, because I didnt want any unforeseen problems. she said no, because you would have to make the full payment of XXXX upfront to bring your loan current. Of course I panicked and entrusted her that she was advising me with the correct information and what was in my best interest. Apparently XXXX canceled my approved loan modification, which She failed to inform me that I am currently on a modification plan trial.
I have resubmitted a loan modification application to fix the errors from the last loan modification. The system is asking to submit documents. I spoke to a loss mitigation escalation specialist by the name XXXX XXXX advise me that I would not have to submit any documents due to the pandemic. needed to process the modification. Now the system is asking for XXXX, XXXX and proof of income.
Kind Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX LOAN NUMBER -- XXXX
| null |
Mr. Cooper Group Inc.
|
FL
|
33179
|
Older American
|
Consent provided
|
Web
|
2021-03-07
|
Closed with explanation
|
Yes
| null | 4,190,953 |
2021-03-07
|
Checking or savings account
|
Checking account
|
Opening an account
|
Account opened as a result of fraud
| null | null |
JPMORGAN CHASE & CO.
|
PA
|
15106
| null |
Consent not provided
|
Web
|
2021-03-07
|
Closed with explanation
|
Yes
| null | 4,190,701 |
2021-03-07
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
NY
|
14215
| null |
Consent not provided
|
Web
|
2021-03-07
|
Closed with explanation
|
Yes
| null | 4,190,705 |
2021-03-08
|
Student loan
|
Private student loan
|
Dealing with your lender or servicer
|
Received bad information about your loan
| null | null |
AES/PHEAA
|
CT
|
06790
| null |
Consent not provided
|
Web
|
2021-03-08
|
Closed with explanation
|
Yes
| null | 4,198,999 |
2021-03-09
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
EQUIFAX, INC.
|
PA
|
19114
| null |
Consent not provided
|
Web
|
2021-03-09
|
Closed with explanation
|
Yes
| null | 4,194,929 |
2021-03-08
|
Mortgage
|
Conventional home mortgage
|
Struggling to pay mortgage
| null | null | null |
Mr. Cooper Group Inc.
|
NJ
|
07036
| null |
Consent not provided
|
Web
|
2021-03-08
|
Closed with explanation
|
Yes
| null | 4,194,588 |
2021-03-08
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
ENCORE CAPITAL GROUP INC.
|
FL
|
34465
| null |
Consent not provided
|
Web
|
2021-03-08
|
Closed with explanation
|
Yes
| null | 4,193,677 |
2021-03-09
|
Money transfer, virtual currency, or money service
|
Domestic (US) money transfer
|
Other transaction problem
| null | null | null |
Coinbase, Inc.
|
NY
|
10010
| null |
Consent not provided
|
Web
|
2021-03-09
|
Closed with explanation
|
Yes
| null | 4,194,748 |
2021-03-08
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
ERC
|
TX
|
78582
| null | null |
Fax
|
2021-03-08
|
Closed with explanation
|
Yes
| null | 4,194,645 |
2021-03-09
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
Selene Holdings LLC
|
LA
|
71112
| null | null |
Phone
|
2021-03-09
|
Closed with explanation
|
Yes
| null | 4,197,696 |
2021-03-09
|
Debt collection
|
Credit card debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Kriya Capital, LLC
|
VA
|
24541
| null |
Consent not provided
|
Web
|
2021-03-09
|
Closed with non-monetary relief
|
Yes
| null | 4,196,538 |
2021-03-09
|
Mortgage
|
Conventional home mortgage
|
Trouble during payment process
| null | null | null |
CITIZENS FINANCIAL GROUP, INC.
|
PA
|
19122
| null |
Other
|
Web
|
2021-03-09
|
Closed with explanation
|
Yes
| null | 4,196,911 |
2021-03-09
|
Checking or savings account
|
Checking account
|
Managing an account
|
Banking errors
| null |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
WELLS FARGO & COMPANY
|
CO
|
80239
| null | null |
Referral
|
2021-03-10
|
Closed with explanation
|
Yes
| null | 4,201,891 |
2021-03-10
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Managing, opening, or closing your mobile wallet account
| null | null | null |
Paypal Holdings, Inc
|
OH
|
45383
| null |
Consent not provided
|
Web
|
2021-03-20
|
Closed with explanation
|
Yes
| null | 4,198,037 |
2021-03-10
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
ID Analytics, Inc.
|
CA
|
95112
| null |
Consent not provided
|
Web
|
2021-03-10
|
Closed with explanation
|
Yes
| null | 4,197,662 |
2021-03-10
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
EQUIFAX, INC.
|
FL
|
33056
| null |
Consent not provided
|
Web
|
2021-03-10
|
Closed with explanation
|
Yes
| null | 4,200,544 |
2021-03-10
|
Money transfer, virtual currency, or money service
|
Virtual currency
|
Money was not available when promised
| null | null | null |
Coinbase, Inc.
| null |
XXXXX
| null |
Consent not provided
|
Web
|
2021-03-10
|
Closed with explanation
|
Yes
| null | 4,201,883 |
2021-03-11
|
Debt collection
|
Credit card debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
US DEPARTMENT OF EDU XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX Attn : XXXXXXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
KOHLS/CAPITOL ONE XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX
| null |
CAPITAL ONE FINANCIAL CORPORATION
|
NY
|
12205
| null |
Consent provided
|
Web
|
2021-03-11
|
Closed with explanation
|
Yes
| null | 4,202,319 |
2021-03-10
|
Mortgage
|
Conventional home mortgage
|
Incorrect information on your report
|
Account status incorrect
| null | null |
Ocwen Financial Corporation
|
NY
|
12205
| null |
Other
|
Web
|
2021-03-10
|
Closed with explanation
|
Yes
| null | 4,201,634 |
2021-03-11
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
CAPITAL ONE FINANCIAL CORPORATION
|
MA
|
02301
| null |
Consent not provided
|
Web
|
2021-03-13
|
Closed with explanation
|
Yes
| null | 4,202,191 |
2021-03-11
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
Resurgent Capital Services L.P.
|
SC
|
29072
| null |
Consent not provided
|
Web
|
2021-03-11
|
Closed with explanation
|
Yes
| null | 4,203,192 |
2021-03-10
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit repair services
|
Fraud or scam
| null | null | null |
United Debt Counselors, LLC
|
CA
|
95820
|
Older American
| null |
Phone
|
2021-03-10
|
Closed with monetary relief
|
Yes
| null | 4,201,198 |
2021-03-10
|
Debt collection
|
Other debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
ERC
|
NC
|
27377
| null |
Consent not provided
|
Web
|
2021-03-10
|
Closed with explanation
|
Yes
| null | 4,201,276 |
2021-03-11
|
Mortgage
|
FHA mortgage
|
Closing on a mortgage
| null |
I am extremely dissatisfied and disappointed in my dealings to obtain a mortgage through Liberty Home Mortgage. When I first applied for a home loan through XXXX I applied to several companies and this was one of three that I chose to pursue. I ultimately decided to continue the process with your company as I spoke with agent XXXX XXXX and he seemed eager to help me. I was excited to begin the search for a home not just any home but my first. After searching for a while I finally found a home that had the bones of what I was looking for. This home would require some work but given the pre-approval amount and the cost of the house I asked XXXX if it would be possible to do a renovation loan. He assured me that this was possible and even though he had not done one personally his company had done plenty of them ( as their website also states ). XXXX never explained to me how the XXXX process worked if he had I most definitely would not have gone this route as there was a lot more out of pocket payments involved. I did not know that I had to locate and pay out of pocket for a consultant. I did not even know what kind of consultant was needed and neither did the agent. It took for me to do some XXXX researching and speaking with a totally different lender ( who was willing to give me the info even though I was not doing business with them ) to find out I needed a 203 HUD consultant which I myself found and paid the sum of {$1000.00} ( which he is refusing to refund ). I was also unaware that I would have to locate my own contractor to do the repairs ( I assumed that the lender or agent would give me referrals for these ). I went under contract for the house I chose on XX/XX/XXXX and have been doing the run around with Liberty Home Mortgage since then. The agent XXXX XXXX refused to communicate with the sellers agent to let her know what was going on with the process. He would not answer emails or phone calls for updates. He told me she was too pushy so he would get back to her at a later time. We had a total of three closing dates as XXXX could not coordinate the appraisal and would not check on it unless I called him. I started bypassing him and talking directly to the appraisal company as he seemed never to know what was going on. Just a week and a half ago ( around XX/XX/XXXX ) he was just verifying my employment, shouldnt this have been done a long time ago. The agent just told me on about the XXXX of XXXX to remove some disputes from my credit history which now seemed like he was trying to sabotage the loan. All this time we were supposedly waiting on the appraisal which I had to pay {$700.00} for to come back and as of today I still have never received it. Now after all of this my credit score dropped because XXXX told me to charge the appraisal to my credit card and I am now out of a home and money paid out for something that never happened and this is the fault of Liberty Home Mortgages inexperienced and unprofessional agent. The agent also violated privacy laws by given my credit information not only to my realtor but also the sellers realtor which he did not have my permission to do so. When I informed XXXX XXXX that I was going to speak with a lawyer as I felt he was the cause of my losing this home and my money he stated he would pay me. He stated this was his first job out of college and he was sorry. They never said the would not do the loan just I would have to pay {$6000.00} to {$8000.00} more down and have a higher interest rate which was out of the question. Per Electronic Code of Federal Regulations I tried to resolve this matter with the owner before filing a complaint with no resolution. His only solution was I could come back to them again when my credit was better, as if I would go through this process with them again. I am attaching the transcripts from my conversation with the agent and also a letter from my realtor. The companys name and address are Liberty Home Mortgage, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX.
| null |
Liberty Home Mortgage Corporation
|
GA
|
30296
| null |
Consent provided
|
Web
|
2021-07-29
|
Closed with explanation
|
Yes
| null | 4,203,607 |
2021-03-11
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Unauthorized transactions or other transaction problem
| null | null | null |
Paypal Holdings, Inc
|
PA
|
19118
| null | null |
Referral
|
2021-03-12
|
Closed with explanation
|
Yes
| null | 4,208,413 |
2021-03-11
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
PR
|
00794
| null |
Consent not provided
|
Web
|
2021-03-11
|
Closed with explanation
|
Yes
| null | 4,205,220 |
2021-03-11
|
Debt collection
|
I do not know
|
Communication tactics
|
Frequent or repeated calls
| null | null |
Southwest Credit Systems, L.P.
|
NE
|
68144
|
Servicemember
|
Consent not provided
|
Web
|
2021-03-11
|
Closed with explanation
|
Yes
| null | 4,205,562 |
2021-03-12
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
EQUIFAX, INC.
|
NJ
|
08833
| null |
Consent not provided
|
Web
|
2021-03-12
|
Closed with explanation
|
Yes
| null | 4,208,164 |
2021-03-12
|
Money transfer, virtual currency, or money service
|
Mobile or digital wallet
|
Fraud or scam
| null | null | null |
Coinbase, Inc.
|
GA
|
31904
| null |
Consent not provided
|
Web
|
2021-03-12
|
Closed with explanation
|
Yes
| null | 4,207,505 |
2021-03-12
|
Credit card or prepaid card
|
General-purpose credit card or charge card
|
Fees or interest
|
Problem with fees
| null | null |
CAPITAL ONE FINANCIAL CORPORATION
| null | null | null | null |
Phone
|
2021-03-12
|
Closed with explanation
|
Yes
| null | 4,207,436 |
2021-03-13
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
ARS National Services, Inc.
|
GA
|
30518
| null |
Consent not provided
|
Web
|
2021-03-13
|
Closed with explanation
|
Yes
| null | 4,211,227 |
2021-03-12
|
Debt collection
|
Credit card debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
ENCORE CAPITAL GROUP INC.
|
CA
|
94587
| null |
Consent not provided
|
Web
|
2021-03-12
|
Closed with explanation
|
Yes
| null | 4,207,821 |
2021-03-13
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
V and H Portfolio
|
TX
|
77040
| null |
Consent not provided
|
Web
|
2021-03-13
|
Closed with non-monetary relief
|
Yes
| null | 4,209,018 |
2021-03-14
|
Debt collection
|
Medical debt
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
Phoenix Financial Services LLC
|
TX
|
77708
| null |
Consent not provided
|
Web
|
2021-03-14
|
Closed with explanation
|
Yes
| null | 4,213,068 |
2021-03-15
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt was result of identity theft
| null | null |
JPMORGAN CHASE & CO.
|
CT
|
06787
| null |
Consent not provided
|
Web
|
2021-03-23
|
Closed with explanation
|
Yes
| null | 4,213,707 |
2021-03-15
|
Checking or savings account
|
Checking account
|
Managing an account
|
Banking errors
| null | null |
BANK OF THE WEST
|
NV
|
895XX
|
Older American
|
Other
|
Web
|
2021-03-15
|
Closed with explanation
|
Yes
| null | 4,215,763 |
2021-03-15
|
Credit reporting, credit repair services, or other personal consumer reports
|
Credit reporting
|
Incorrect information on your report
|
Information belongs to someone else
| null | null |
EQUIFAX, INC.
|
PA
|
19115
| null |
Consent not provided
|
Web
|
2021-03-15
|
Closed with explanation
|
Yes
| null | 4,214,575 |
2021-03-15
|
Debt collection
|
I do not know
|
Written notification about debt
|
Didn't receive enough information to verify debt
| null | null |
PORTFOLIO RECOVERY ASSOCIATES INC
|
TX
|
77433
| null |
Consent not provided
|
Web
|
2021-03-15
|
Closed with explanation
|
Yes
| null | 4,215,135 |
2021-03-16
|
Debt collection
|
Credit card debt
|
Attempts to collect debt not owed
|
Debt is not yours
| null | null |
BBVA FINANCIAL CORPORATION
|
TX
|
75230
| null |
Consent not provided
|
Web
|
2021-03-16
|
Closed with explanation
|
Yes
| null | 4,216,012 |
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