{"took":156,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":1202,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15583024","_score":19.280678,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Urgent Request for Removal of Accounts Within 7 Days To Whom It May Concern Credit Bureau Dispute Department Debt Validation , Metro 2 Compliance Dispute & FCRA investigation","date_sent_to_company":"2025-08-28T19:11:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33442","tags":null,"has_narrative":true,"complaint_id":"15583024","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-08-28T19:11:27.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Urgent Request for Removal of <em>Accounts</em> Within 7 Days To <em>Whom</em> It May <em>Concern</em> Credit Bureau Dispute <em>Department</em> Debt Validation , Metro 2 <em>Compliance</em> Dispute & FCRA investigation"]},"sort":[19.280678,"15583024"]},{"_index":"complaint-public-v1","_id":"15578024","_score":19.247921,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Urgent Request for Removal of Accounts Within 7 Days To Whom It May Concern Credit Bureau Dispute Department Debt Validation , Metro 2 Compliance Dispute & FCRA investigation","date_sent_to_company":"2025-08-28T19:11:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33442","tags":null,"has_narrative":true,"complaint_id":"15578024","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-08-28T19:11:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Urgent Request for Removal of <em>Accounts</em> Within 7 Days To <em>Whom</em> It May <em>Concern</em> Credit Bureau Dispute <em>Department</em> Debt Validation , Metro 2 <em>Compliance</em> Dispute & FCRA investigation"]},"sort":[19.247921,"15578024"]},{"_index":"complaint-public-v1","_id":"3390231","_score":18.779888,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XX/XX/2019 Navient/Department of Education To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with Navient /Department of Education . I am writing to request an investigation with the BarrowDefense Department.\n\nI feel they are taking to long to review and make proper decisions.","date_sent_to_company":"2019-09-29T10:04:00.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"33311","tags":null,"has_narrative":true,"complaint_id":"3390231","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-09-29T09:37:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XX/XX/2019 Navient/<em>Department</em> of Education To <em>Whom</em> It May <em>Concern</em> : I am writing to challenge the reporting and <em>compliance</em> on an <em>account</em> with Navient /<em>Department</em> of Education . I am writing to request an investigation with the BarrowDefense <em>Department</em>.\n\nI feel they are taking to long to review and make proper decisions."]},"sort":[18.779888,"3390231"]},{"_index":"complaint-public-v1","_id":"6894862","_score":16.988613,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau Experian, XXXX XXXX XXXX XXXX By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act","date_sent_to_company":"2023-04-26T18:37:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"12180","tags":null,"has_narrative":true,"complaint_id":"6894862","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2023-04-26T18:26:58.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Im writing this due to <em>whom</em> ever it may <em>concern</em> There has been a case of bad studies coming from the other credit bureau Experian, XXXX XXXX XXXX XXXX By the fair credit reporting act And metro 2 <em>compliance</em> And it standards This <em>account</em> does not reach the requirements to be reported States by your policy <em>department</em> So with the information on this <em>account</em> being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting"]},"sort":[16.988613,"6894862"]},{"_index":"complaint-public-v1","_id":"6892790","_score":16.988613,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau XXXX, XXXX XXXX & Equifax By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act","date_sent_to_company":"2023-04-26T18:37:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"12180","tags":null,"has_narrative":true,"complaint_id":"6892790","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2023-04-26T18:37:44.000Z","state":"NY","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Im writing this due to <em>whom</em> ever it may <em>concern</em> There has been a case of bad studies coming from the other credit bureau XXXX, XXXX XXXX & Equifax By the fair credit reporting act And metro 2 <em>compliance</em> And it standards This <em>account</em> does not reach the requirements to be reported States by your policy <em>department</em> So with the information on this <em>account</em> being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting"]},"sort":[16.988613,"6892790"]},{"_index":"complaint-public-v1","_id":"17936937","_score":16.959208,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX Credit Collection Services Account XXXX Date : XX/XX/year> Credit Collection Services XXXX XXXX Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, I formally dispute the alleged debt referenced above and request validation under the FDCPA. Provide all required documentation showing that the debt is mine and legally collectible. \n\nStop all collection and reporting activity until validation is supplied. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-26T23:53:55.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"79416","tags":null,"has_narrative":true,"complaint_id":"17936937","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CCS Financial Services, Inc.","date_received":"2025-11-26T23:42:55.000Z","state":"TX","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX Credit Collection Services <em>Account</em> XXXX Date : XX/XX/year> Credit Collection Services XXXX XXXX <em>Compliance</em> <em>Department</em> RE : Debt Validation Request <em>Account</em> Ending XXXX To <em>Whom</em> It May <em>Concern</em>, I formally dispute the alleged debt referenced above and request validation under the FDCPA. Provide all required documentation showing that the debt is mine and legally collectible. \n\nStop all collection and reporting activity until validation is supplied. \n\nSincerely, XXXX XXXX XXXX XXXX"]},"sort":[16.959208,"17936937"]},{"_index":"complaint-public-v1","_id":"17870761","_score":16.959208,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX. XXXX XXXX XXXX Account XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, This is a formal demand for validation of the alleged debt above. I dispute this debt and request proper documentation showing ownership, itemization, and collection rights. \n\nUntil validated, stop all collection activity and reporting. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-12-09T14:09:31.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"79416","tags":null,"has_narrative":true,"complaint_id":"17870761","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2025-11-26T22:22:14.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX <em>Account</em> XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX : <em>Compliance</em> <em>Department</em> RE : Debt Validation Request <em>Account</em> Ending XXXX To <em>Whom</em> It May <em>Concern</em>, This is a formal demand for validation of the alleged debt above. I dispute this debt and request proper documentation showing ownership, itemization, and collection rights. \n\nUntil validated, stop all collection activity and reporting. \n\nSincerely, XXXX XXXX XXXX XXXX"]},"sort":[16.959208,"17870761"]},{"_index":"complaint-public-v1","_id":"6894953","_score":16.936434,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Im writing this due to whom ever it may concern There has been a case of bad studies coming from the other credit bureau XXXX, trans union & XXXX By the fair credit reporting act And metro 2 compliance And it standards This account does not reach the requirements to be reported States by your policy department So with the information on this account being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting act","date_sent_to_company":"2023-04-26T18:37:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"12180","tags":null,"has_narrative":true,"complaint_id":"6894953","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2023-04-26T18:37:44.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Im writing this due to <em>whom</em> ever it may <em>concern</em> There has been a case of bad studies coming from the other credit bureau XXXX, trans union & XXXX By the fair credit reporting act And metro 2 <em>compliance</em> And it standards This <em>account</em> does not reach the requirements to be reported States by your policy <em>department</em> So with the information on this <em>account</em> being reportedly different to all 3 credit bureau For the protection of my mental health May you please remove it it violates the Fair credit reporting"]},"sort":[16.936434,"6894953"]},{"_index":"complaint-public-v1","_id":"16744868","_score":16.378195,"_source":{"product":"Checking or savings account","complaint_what_happened":"RE : Follow-up Complaint / Company Non-Compliance : E * TRADE / Morgan Stanley Private Bank , N.A. \nOriginal Case Nos : XXXX, XXXX Account : Premium Savings Account XXXX To Whom It May Concern : I am writing in follow-up to the complaints listed above. On XX/XX/2025, I received a formal response from the Morgan Stanley Private Bank, N.A. Compliance Department through the CFPB portal regarding my restricted account.\n\nIn their letter, the bank provided exactly one path to resolve the restriction on my account and withdraw my funds. Their letter states : \" To resolve the restriction, A three-way telephone call with the issuing bank must be completed prior to withdrawal of the deposited funds. '' I have made multiple, good-faith attempts to comply with this specific requirement. I have repeatedly called the Morgan Stanley Private Bank account activation department at XXXX, which is the department responsible for such matters, to initiate this exact three-way call. \nThe staff at the Morgan Stanley Private Bank account activation department has explicitly refused to take my phone call. They state they are unable to help me, can not talk with me, directly contradicting the resolution provided by their own Compliance Department.\n\nThis has created an imposs\nible \" catch-22 '' situation. E * TRADE / Morgan Stanley Private Bank is holding my funds, has provided a single, mandatory p\nath to resolution in their official response to the CFPB, and is now internally preventing me from completing that one path.","date_sent_to_company":"2025-10-22T21:25:26.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"78414","tags":null,"has_narrative":true,"complaint_id":"16744868","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MORGAN STANLEY & CO. LLC","date_received":"2025-10-22T21:19:00.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["RE : Follow-up Complaint / Company Non-<em>Compliance</em> : E * TRADE / Morgan Stanley Private Bank , N.A. \nOriginal Case Nos : XXXX, XXXX <em>Account</em> : Premium Savings <em>Account</em> XXXX To <em>Whom</em> It May <em>Concern</em> : I am writing in follow-up to the complaints listed above. On XX/XX/2025, I received a formal response from the Morgan Stanley Private Bank, N.A. <em>Compliance</em> <em>Department</em> through the CFPB portal regarding my restricted <em>account</em>."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_product":["Savings <em>account</em>"]},"sort":[16.378195,"16744868"]},{"_index":"complaint-public-v1","_id":"5770443","_score":16.070938,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom this may concern, I have called the XXXX XXXX XXXX XXXX Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!","date_sent_to_company":"2022-07-14T17:56:30.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33065","tags":null,"has_narrative":true,"complaint_id":"5770443","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-07-14T17:56:27.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To <em>whom</em> this may <em>concern</em>, I have called the XXXX XXXX XXXX XXXX Total Loss <em>Department</em> about my <em>account</em> showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with <em>compliance</em> and they have told me they have no <em>compliance</em> <em>department</em>."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.070938,"5770443"]},{"_index":"complaint-public-v1","_id":"5770674","_score":16.057539,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"To whom this may concern, I have called the ALLY FINANCIAL INC. AUTO Total Loss Department about my account showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with compliance and they have told me they have no compliance department. I have been charged extra fees from inaccurate readings from there system and I have requested my account closed because it is paid in full. The Total Loss Department for ALLY Financial Inc. XXXX XXXX XXXX XXXX, MN XXXX, is not accurate, and denies any manager involvement about there action or them being compliant on the phone. The absolute worst experience I have had with an AUTO BANK. Im being taking advantage of and I'm being charged for extra when my account is paid in full. THIS IS A BANK, they must have a manager and supervisor and some form of compliance, and they have only stated they will have a manager call back they are busy, well I have never got a callback and they just drag there feet to try n put extra charges on my account. my account is paid already and they are trynna still charge me. THIS BANK IS FRAUDULANT IN MY EYES AND NON- COMPLIANT AND SHOULD NEVER BE TRUSTED!!!","date_sent_to_company":"2022-07-14T17:56:18.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33065","tags":null,"has_narrative":true,"complaint_id":"5770674","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2022-07-14T17:21:00.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["To <em>whom</em> this may <em>concern</em>, I have called the ALLY FINANCIAL INC. AUTO Total Loss <em>Department</em> about my <em>account</em> showing in accurate information. I have ask to speak with a manager and/or supervisor and i have been getting the run around for more than a month now. I have an inaccurate reflection of non payment when I been paid up with this bank. the bank closed my GAP without my consent and I have been asking to speak with <em>compliance</em> and they have told me they have no <em>compliance</em> <em>department</em>."],"sub_issue":["<em>Account</em> status incorrect"]},"sort":[16.057539,"5770674"]},{"_index":"complaint-public-v1","_id":"17968500","_score":16.050716,"_source":{"product":"Debt collection","complaint_what_happened":"Portfolio Recovery Associates Account XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC Attn : Compliance Department RE : Debt Validation Request Account Ending XXXX To Whom It May Concern, This is a formal request for validation of the above-referenced debt pursuant to the FDCPA. I dispute this debt in its entirety and request proper verification.\n\nPlease supply documentation showing : Your authorization to collect, The original creditor, A full breakdown of the amount claimed, and A copy of the original signed agreement.\n\nUntil validated, cease all collection and credit reporting activity. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-11-26T21:27:40.000Z","issue":"Written notification about debt","sub_product":"Credit card debt","zip_code":"79416","tags":null,"has_narrative":true,"complaint_id":"17968500","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2025-11-26T21:09:03.000Z","state":"TX","company_public_response":null,"sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["Portfolio Recovery Associates <em>Account</em> XXXX Date : XX/XX/year> Portfolio Recovery Associates , LLC Attn : <em>Compliance</em> <em>Department</em> RE : Debt Validation Request <em>Account</em> Ending XXXX To <em>Whom</em> It May <em>Concern</em>, This is a formal request for validation of the above-referenced debt pursuant to the FDCPA. I dispute this debt in its entirety and request proper verification."]},"sort":[16.050716,"17968500"]},{"_index":"complaint-public-v1","_id":"2385795","_score":15.574084,"_source":{"product":"Debt collection","complaint_what_happened":"This is the same debt that was just corrected by the previous collection called XXXX and now they have given it to the following XXXX XXXX XX/XX/2016 {$210.00} {$210.00} XXXX XXXX, IA XXXX ( XXXX ) XXXX here is the response for the previous collections as I have made it clear it is not my debt can you please helpme because they have greatly affected my credit score from XXXX to XXXX and that is XXXX XX/XX/2016 Re : XXXX Case # XXXX Our File # XXXX To whom it may concern, We are in receipt of your consumer complaint submitted in regards to a XXXX file # XXXX. Our Compliance and Quality Development Departments have completed an audit and investigation on this file. \nWe received file # XXXX for account # XXXX from XXXX on XX/XX/2016. A copy of your complaint was forwarded to our client for review in XX/XX/2016, but we have not received a response so therefore have closed our files on this matter. Also, we have removed this item from your credit file. \nWe apologize for any inconvenience this may have caused for XXXX. Should you have any further questions or concerns regarding this matter please feel free to contact us. Our hours of operation are Monday through Thursday XXXX - XXXX and Friday XXXX - XXXX EST. \nSincerely, XXXX. \nCompliance Department XXXX","date_sent_to_company":"2017-03-14T18:06:51.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"Other (i.e. phone, health club, etc.)","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"2385795","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"The CBE Group, Inc.","date_received":"2017-03-14T18:06:50.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["Should you have any further questions or <em>concerns</em> regarding this matter please feel free to contact us. Our hours of operation are Monday through Thursday XXXX - XXXX and Friday XXXX - XXXX EST. \nSincerely, XXXX. \n<em>Compliance</em> <em>Department</em> XXXX"]},"sort":[15.574084,"2385795"]},{"_index":"complaint-public-v1","_id":"15342991","_score":14.969469,"_source":{"product":"Debt collection","complaint_what_happened":"Jefferson Capital Systems Attn : Compliance Department XXXX XXXX XXXX XXXX XXXX  MN XXXX Re : Request for Account Information ( Not a Dispute ) To Whom It May Concern, I am writing regarding the above-referenced account. Please note that this letter is NOT a dispute of the account. I am simply requesting information in order to confirm the accuracy and completeness of the information being reported. \n\nIn accordance with 15 U.S.C. 1681e ( b ) ( Compliance Procedures ) and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ), I respectfully request that you provide the following documentation and details regarding this account : The Date of First Delinquency.\n\nThe Date of Last Payment.\n\nThe Date of Charge-Off ( if applicable ).\n\nThe Complete Chain of Assignment, including the names of any prior owners or assignees of the account.\n\nPlease provide the requested information in writing within seven ( 7 ) days of receipt of this letter so that I may properly update and verify my records. \n\nThank you for your prompt attention to this matter.","date_sent_to_company":"2025-08-18T19:23:38.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"15342991","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2025-08-18T19:20:36.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Jefferson Capital Systems Attn : <em>Compliance</em> <em>Department</em> XXXX XXXX XXXX XXXX XXXX  MN XXXX Re : Request for <em>Account</em> Information ( Not a Dispute ) To <em>Whom</em> It May <em>Concern</em>, I am writing regarding the above-referenced <em>account</em>. Please note that this letter is NOT a dispute of the <em>account</em>. I am simply requesting information in order to confirm the accuracy and completeness of the information being reported."]},"sort":[14.969469,"15342991"]},{"_index":"complaint-public-v1","_id":"17305620","_score":14.859181,"_source":{"product":"Student loan","complaint_what_happened":"XXXX XXXX XXXX, XXXX XXXX XX/XX/year> XXXX  Request for Chain of Custody Documentation NELNET/ Department of Education XXXX XXXX Last XXXX of XXXX Account # XXXX To Whom It XXXX Concern, I am formally requesting that your office obtain and provide the complete chain of custody documentation for the Department of Education account currently being reported on my credit file. This request includes, but is not limited to : All documents showing the transfer, assignment, sale, or handling of this account from its origin to its current status Any promissory notes, agreements, or contracts bearing my signature Records showing how this debt was verified, validated, and authenticated Any custodial or handling records demonstrating compliance with federal reporting requirements Under the Fair Credit Reporting Act ( FCRA ), I have the right to request information used to verify the accuracy of the data currently being reported. As such, I expect the reporting furnisherthe Department of Education or its servicersto present complete proof of ownership and proper handling of this account. \n\nIf the requested information can not be produced, I am requesting that the entry be corrected or removed from my credit report as required by law. \n\nPlease provide your findings and documentation to me in writing at the address above. \n\nThank you for your prompt attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-11-17T19:46:31.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"38671","tags":null,"has_narrative":true,"complaint_id":"17305620","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-11-17T19:29:27.000Z","state":"MS","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX, XXXX XXXX XX/XX/year> XXXX  Request for Chain of Custody Documentation NELNET/ <em>Department</em> of Education XXXX XXXX Last XXXX of XXXX <em>Account</em> # XXXX To <em>Whom</em> It XXXX <em>Concern</em>, I am formally requesting that your office obtain and provide the complete chain of custody documentation for the <em>Department</em> of Education <em>account</em> currently being reported on my credit file."]},"sort":[14.859181,"17305620"]},{"_index":"complaint-public-v1","_id":"18372085","_score":14.787445,"_source":{"product":"Debt collection","complaint_what_happened":"Transworld Systems Inc. \nAttn : Compliance Department Re : Account # XXXX Dispute and Cease Communication To Whom It May Concern : I am writing to formally dispute the above-referenced account. I do not owe any debt to Transworld Systems Inc., and I refuse to pay any money on this alleged account.\n\nPursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full debt validation. Until such validation is provided, you are required to cease collection activity.\n\nAdditionally, I demand that you cease all communication with me regarding this matter unless it comes directly from XXXX XXXX ( XXXX ). Any further contact from your company that does not comply with the FDCPA will be documented as a violation. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-12-30T16:55:18.000Z","issue":"Electronic communications","sub_product":"Other debt","zip_code":"94513","tags":null,"has_narrative":true,"complaint_id":"18372085","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSWORLD SYSTEMS INC","date_received":"2025-12-30T16:47:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Used obscene, profane, or other abusive language"},"highlight":{"complaint_what_happened":["Attn : <em>Compliance</em> <em>Department</em> Re : <em>Account</em> # XXXX Dispute and Cease Communication To <em>Whom</em> It May <em>Concern</em> : I am writing to formally dispute the above-referenced <em>account</em>. I do not owe any debt to Transworld Systems Inc., and I refuse to pay any money on this alleged <em>account</em>.\n\nPursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full debt validation. Until such validation is provided, you are required to cease collection activity."]},"sort":[14.787445,"18372085"]},{"_index":"complaint-public-v1","_id":"13111646","_score":14.600306,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Subject : Dispute of Inaccurate Student Loan Reporting Due to Abolishment by Department of Education To Whom It May Concern, I am writing to formally dispute the accuracy of student loan information currently reported on my credit file. According to recent actions by the U.S. Department of Education, my student loan ( s ) associated with [ Loan Servicer Name, if known ] have been forgiven/abolished/discharged, and therefore, the balance and derogatory information should no longer appear on my credit report. \nDetails of the account in question : Creditor Name : XXXX XXXXXXXX XXXX Account Number : BOTH XXXX Type of Loan : student loan I am requesting that the inaccurate information be investigated and removed or updated to reflect a {$0.00} balance with no delinquency or negative history, as these loans have been eliminated under the latest Department of Education actions .\n\nI have enclosed supporting documentation, including a copy of the discharge/forgiveness notification from the Department of Education ( or servicer ), along with a copy of my credit report showing the inaccurate information. \nPlease conduct an investigation into this matter in compliance with the Fair Credit Reporting Act ( FCRA ). I request a written confirmation of the results of your investigation and an updated copy of my credit report once the issue is resolved. \nThank you for your time and assistance. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-04-23T00:43:11.000Z","issue":"Attempts to collect debt not owed","sub_product":"Federal student loan debt","zip_code":"770XX","tags":null,"has_narrative":true,"complaint_id":"13111646","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-04-23T00:35:15.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Subject : Dispute of Inaccurate Student Loan Reporting Due to Abolishment by <em>Department</em> of Education To <em>Whom</em> It May <em>Concern</em>, I am writing to formally dispute the accuracy of student loan information currently reported on my credit file. According to recent actions by the U.S."]},"sort":[14.600306,"13111646"]},{"_index":"complaint-public-v1","_id":"18204338","_score":14.493804,"_source":{"product":"Debt collection","complaint_what_happened":"Credence Resource Management , LLC Attn : Credit Reporting / Compliance Department [ Address on Credit Report ] Re : Account Number : XXXX To Whom It May Concern, I am writing regarding the above-referenced account currently being reported on my credit file.\n\nThis account has been * * paid in settlement * * and reflects a * * XXXX balance * *. As the debt has been resolved in full, there is no remaining financial obligation or risk associated with this account. \n\nDespite this, the tradeline continues to be reported as a collection, which is inaccurate and unnecessarily harmful. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be * * accurate, complete, and not misleading * *. Continuing to report this account as a collection after settlement does not reflect my current credit standing. I am requesting that you * * delete this tradeline entirely * * from XXXX XXXX XXXX XXXX as a courtesy and in the interest of accurate credit reporting. \n\nIf you are unable to comply, please provide written documentation supporting your legal authority to continue reporting this account, including the specific statute that permits reporting a settled collection with no Credence Resource Management , LLC Attn : Credit Reporting / Compliance Department [ Address on Credit Report ] Re : Account Number : XXXX To Whom It May Concern, I am writing regarding the above-referenced account currently being reported on my credit file.\n\nThis account has been * * paid in settlement * * and reflects a * * XXXX balance * *. As the debt has been resolved in full, there is no remaining financial obligation or risk associated with this account.\n\nDespite this, the tradeline continues to be reported as a collection, which is inaccurate and unnecessarily harmful. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be * * accurate, complete, and not misleading * *. Continuing to report this account as a collection after settlement does not reflect my current credit standing.\n\nI am requesting that you * * delete this tradeline entirely * * from XXXX XXXX XXXX XXXX as a courtesy and in the interest of accurate credit reporting. \n\nIf you are unable to comply, please provide written documentation supporting your legal authority to continue reporting this account, including the specific statute that permits reporting a settled collection with no remaining balance.","date_sent_to_company":"2025-12-21T08:05:33.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"23504","tags":null,"has_narrative":true,"complaint_id":"18204338","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Kriya Capital, LLC","date_received":"2025-12-21T07:58:29.000Z","state":"VA","company_public_response":null,"sub_issue":"Debt was paid"},"highlight":{"complaint_what_happened":["Credence Resource Management , LLC Attn : Credit Reporting / <em>Compliance</em> <em>Department</em> [ Address on Credit Report ] Re : <em>Account</em> Number : XXXX To <em>Whom</em> It May <em>Concern</em>, I am writing regarding the above-referenced <em>account</em> currently being reported on my credit file.\n\nThis <em>account</em> has been * * paid in settlement * * and reflects a * * XXXX balance * *. As the debt has been resolved in full, there is no remaining financial obligation or risk associated with this <em>account</em>."]},"sort":[14.493804,"18204338"]},{"_index":"complaint-public-v1","_id":"15355831","_score":14.39471,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, 2025 Dept of Ed/Aidvantage Attn : Compliance Department XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Request for Account Information ( Not a Dispute ) To Whom It May Concern, I am writing regarding the above-referenced account. Please note that this letter is NOT a dispute of the account. I am simply requesting information in order to confirm the accuracy and completeness of the information being reported.\n\nIn accordance with 15 U.S.C. 1681e ( b ) ( Compliance Procedures ) and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ), I respectfully request that you provide the following documentation and details regarding this account : The Date of First Delinquency.\n\nThe Date of Last Payment.\n\nThe Date of Charge-Off ( if applicable ).\n\nThe Complete Chain of Assignment, including the names of any prior owners or assignees of the account.\n\nPlease provide the requested information in writing within seven ( 7 ) days of receipt of this letter so that I may properly update and verify my records.\n\nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-26T21:05:36.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"15355831","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Maximus Federal Services, Inc.","date_received":"2025-08-18T19:04:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, 2025 Dept of Ed/Aidvantage Attn : <em>Compliance</em> <em>Department</em> XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Re : Request for <em>Account</em> Information ( Not a Dispute ) To <em>Whom</em> It May <em>Concern</em>, I am writing regarding the above-referenced <em>account</em>. Please note that this letter is NOT a dispute of the <em>account</em>. I am simply requesting information in order to confirm the accuracy and completeness of the information being reported."]},"sort":[14.39471,"15355831"]},{"_index":"complaint-public-v1","_id":"18908097","_score":14.392976,"_source":{"product":"Debt collection","complaint_what_happened":"Conserve Attn : Compliance Department Re : Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced debt and to request full verification pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.\n\nI dispute this debt in its entirety. Please provide proper validation, including but not limited to : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown Copies of any contracts, agreements, or documents bearing my signature that establish my legal obligation to pay Proof that Conserve is authorized to collect this debt The date of last payment and the date the debt was incurred Until such validation is provided, you are required by law to cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency. \n\nThis letter is not an acknowledgment of any debt, nor is it a promise to pay. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX","date_sent_to_company":"2026-01-22T00:02:09.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"43211","tags":null,"has_narrative":true,"complaint_id":"18908097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Continental Services Group, Inc. d/b/a ConServe","date_received":"2026-01-21T23:48:04.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Conserve Attn : <em>Compliance</em> <em>Department</em> Re : <em>Account</em> Number : XXXX To <em>Whom</em> It May <em>Concern</em>, I am writing to formally dispute the validity of the above-referenced debt and to request full verification pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.\n\nI dispute this debt in its entirety."]},"sort":[14.392976,"18908097"]},{"_index":"complaint-public-v1","_id":"15344070","_score":14.159577,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX Attn : Compliance Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX Re : Request for Account Information ( Not a Dispute ) Account No. XXXX To Whom It May Concern, I am writing regarding the above-referenced account. Please note that this letter is NOT a dispute of the account. I am simply requesting information in order to confirm the accuracy and completeness of the information being reported.\n\nIn accordance with 15 U.S.C. 1681e ( b ) ( Compliance Procedures ) and 15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ), I respectfully request that you provide the following documentation and details regarding this account : The Date of First Delinquency.\n\nThe Date of Last Payment.\n\nThe Date of Charge-Off ( if applicable ).\n\nThe Complete Chain of Assignment, including the names of any prior owners or assignees of the account.\n\nPlease provide the requested information in writing within XXXX ( XXXX ) days of receipt of this letter so that I may properly update and verify my records. \nThank you for your prompt attention to this matter. \nSincerely,","date_sent_to_company":"2025-09-04T13:11:13.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"30024","tags":null,"has_narrative":true,"complaint_id":"15344070","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Avid Acceptance, LLC","date_received":"2025-08-18T18:54:44.000Z","state":"GA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/year> XXXX XXXX XXXX Attn : <em>Compliance</em> <em>Department</em> XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX Re : Request for <em>Account</em> Information ( Not a Dispute ) <em>Account</em> No. XXXX To <em>Whom</em> It May <em>Concern</em>, I am writing regarding the above-referenced <em>account</em>. Please note that this letter is NOT a dispute of the <em>account</em>. I am simply requesting information in order to confirm the accuracy and completeness of the information being reported."]},"sort":[14.159577,"15344070"]},{"_index":"complaint-public-v1","_id":"18673844","_score":14.068327,"_source":{"product":"Debt collection","complaint_what_happened":"Jefferson Capital Systems , LLC Attn : Compliance Department Re : Account Number : XXXX To Whom It May Concern, I am writing to formally demand that Jefferson Capital Systems , LLC immediately cease and desist all communication with me regarding the above-referenced account.\n\nPursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), you are hereby notified to stop all telephone calls, letters, emails, and any other forms of contact with me. You may only contact me to confirm that you are complying with this request or to notify me of specific legal action, if any.\n\nBe advised that any further contact after receipt of this notice will be documented and may be considered a violation of federal and applicable state law. I am prepared to pursue all legal remedies available to me. \n\nThis letter is not an acknowledgment of any debt, nor is it a promise to pay. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2026-01-13T06:21:09.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"43211","tags":null,"has_narrative":true,"complaint_id":"18673844","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CL Holdings LLC","date_received":"2026-01-13T05:48:45.000Z","state":"OH","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Jefferson Capital Systems , LLC Attn : <em>Compliance</em> <em>Department</em> Re : <em>Account</em> Number : XXXX To <em>Whom</em> It May <em>Concern</em>, I am writing to formally demand that Jefferson Capital Systems , LLC immediately cease and desist all communication with me regarding the above-referenced <em>account</em>.\n\nPursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), you are hereby notified to stop all telephone calls, letters, emails, and any other forms of contact with me."]},"sort":[14.068327,"18673844"]},{"_index":"complaint-public-v1","_id":"18406744","_score":13.753466,"_source":{"product":"Debt collection","complaint_what_happened":"The letter that I issued to the collection company Portfolio Recovery Associates , LLC Compliance Department Re : Account # XXXX To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).\n\nI hereby demand that you cease and desist from any and all communication with me, including but not limited to phone calls, letters, emails, text messages, or contact through third parties, regarding the above-referenced account. \n\nYou are instructed to communicate with me only to confirm in writing that you have complied with this request, or to notify me of any specific legal action you intend to take, as permitted by law. \n\nAny further contact from your company that does not comply with this request will be documented and may constitute a violation of federal law. \n\nThis notice is not an acknowledgment of liability nor an admission of any debt. \n\nSincerely, XXXX XXXX ss # XXXX address : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX","date_sent_to_company":"2026-01-01T19:40:20.000Z","issue":"Communication tactics","sub_product":"Credit card debt","zip_code":"90035","tags":null,"has_narrative":true,"complaint_id":"18406744","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Portfolio Recovery Associates, LLC","date_received":"2026-01-01T19:28:40.000Z","state":"CA","company_public_response":null,"sub_issue":"You told them to stop contacting you, but they keep trying"},"highlight":{"complaint_what_happened":["The letter that I issued to the collection company Portfolio Recovery Associates , LLC <em>Compliance</em> <em>Department</em> Re : <em>Account</em> # XXXX To <em>Whom</em> It May <em>Concern</em>, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c )."]},"sort":[13.753466,"18406744"]},{"_index":"complaint-public-v1","_id":"10590930","_score":13.737775,"_source":{"product":"Checking or savings account","complaint_what_happened":"Heres the revised complaint letter to include references to XXXX XXXX and XXXX along with Cash App, Block , IncXXXX, and XXXX XXXX \n\n[ Your Name ] XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Date : [ Todays Date ] To : Compliance Department Block , Inc. / Cash App XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Cc : Compliance Department XXXX XXXX XXXX XXXX XXXX. \n[ XXXX Address ] [ City, State, Zip Code ] Compliance Department XXXX XXXX and XXXX [ Bank Address ] [ City, State, Zip Code ] Subject : Formal Complaint Unauthorized Transactions, Data Breach, Privacy Violations, and Internal Fraud To Whom It May Concern, I am submitting a formal complaint concerning unauthorized transactions, potential data breaches, privacy violations, and fraud involving my Cash App account with Block , Inc. Additionally, I wish to address the involvement of XXXX XXXX and XXXX and XXXX XXXX in relation to these issues, particularly in light of recent findings suggesting internal mismanagement and fraud linked to recycled numbers and accounts. \n\nBackground In recent months, I have experienced repeated instances of unauthorized activity and irregular account balances on my Cash App account, leading to significant financial losses. It has come to my attention that Cash App is currently involved in a settlement concerning issues related to internal fraud, including the recycling of customer account numbers. \n\nDetails of the Complaint 1. Unauthorized Transactions Despite my efforts to secure my account, unauthorized transactions have persisted, resulting in considerable financial loss. Given the known issues with Cash Apps internal security, I am concerned that these breaches are connected to the reported recycling of customer numbers. \n2. Data Breach and Privacy Violation I believe my personal information may have been compromised due to inadequate data protection measures within Cash App, XXXXXXXX XXXX and potentially with XXXXXXXX XXXX. The reported internal fraud raises serious concerns about the effectiveness of data security practices, leading to privacy violations and unauthorized access. \n3. Fraud Linked to Internal Mismanagement The ongoing settlement regarding Cash App due to alleged mismanagement of customer funds through recycled accounts raises critical questions about the integrity of account management practices. I urge Block , IncXXXX, XXXXXXXX XXXX XXXX XXXX XXXX to investigate these issues thoroughly as they pertain to my account. \nXXXX. Collaboration Among Financial Institutions Given the interconnections between Cash App, XXXXXXXX XXXX and XXXX XXXX  I request that all three institutions work together to clarify the movement of funds and any irregularities affecting my account. Transparency from all parties is essential to resolving this matter effectively. \n\nRequested Actions Full Reimbursement : I am requesting reimbursement for all unauthorized transactions on my Cash App account. \nInvestigation of Fraud Allegations : I request a comprehensive investigation into any internal fraud involving recycled account numbers. \nData Protection Assurance : Implement an immediate assessment of data protection policies to ensure the safeguarding of customers personal information and account security. \n\nTimeline for Response Please provide a response with a proposed resolution within 15 days of receipt of this letter. I am also notifying XXXXXXXX XXXX the Office of Foreign Assets Control ( OFAC ), and the U.S. Department of the Treasury, FinCen, FTC, FDIC all government entities to ensure full compliance and accountability. \n\nThank you for your prompt attention to these concerns and for taking the necessary steps to ensure the security of customer funds.","date_sent_to_company":"2024-10-27T14:10:03.000Z","issue":"Managing an account","sub_product":"Other banking product or service","zip_code":"30180","tags":null,"has_narrative":true,"complaint_id":"10590930","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Block, Inc.","date_received":"2024-10-27T13:58:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["[ XXXX Address ] [ City, State, Zip Code ] <em>Compliance</em> <em>Department</em> XXXX XXXX and XXXX [ Bank Address ] [ City, State, Zip Code ] Subject : Formal Complaint Unauthorized Transactions, Data Breach, Privacy Violations, and Internal Fraud To <em>Whom</em> It May <em>Concern</em>, I am submitting a formal complaint concerning unauthorized transactions, potential data breaches, privacy violations, and fraud involving my Cash App <em>account</em> with Block , Inc."],"product":["Checking or savings <em>account</em>"],"issue":["Managing an <em>account</em>"],"sub_issue":["Problem accessing <em>account</em>"]},"sort":[13.737775,"10590930"]},{"_index":"complaint-public-v1","_id":"8880734","_score":13.706065,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Equifax Information Services LLC Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation and Review of Credit Report Dispute Resolution To Whom It May Concern, I am writing to formally challenge the conclusions reached in your recent investigation regarding the account ending in XXXX, as reported by XXXX XXXX XXXX XXXX XXXX. Your response dated XX/XX/2024, states that adjustments have been made to my credit file. However, it fails to provide a comprehensive disclosure of the investigative process, including crucial documentation that verifies the legitimacy of the data furnished and its compliance with applicable laws and standards. \n\nDemand for Evidence and Compliance Verification : Documentation of Authority and Accuracy : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) & ( a ) ( 6 ) ( B ) ( iii ), I request detailed documentation that supports the results of your investigation. This should include : A copy of the original contract or agreement with XXXX XXXX XXXX XXXX XXXX. \nCorrespondence or transaction records that validate the reported data. \nVerification of Calculation and Reporting Standards : In light of XXXX XXXX XXXX XXXX ( XXXX ) guidelines, particularly those related to the reporting of credit losses under XXXX XXXX, provide evidence of the methodology used in determining the \" Charge Off Amount '' and its alignment with Generally Accepted Accounting Principles ( GAAP ). \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulations : Given the amendments under the Bank Secrecy Act ( BSA ) and its XXXX frameworks, please furnish details showing your compliance with these regulations during the data furnishing and investigation processes, particularly concerning the verification of my identity and the prevention of fraudulent reporting. \n\nResolution and Compliance Demand : I think your response 's discrepancies in the reporting and the lack of transparency are concerning. They suggest potential non-compliance with the FCRA and other relevant statutes, which may lead to legal ramifications affecting both our parties. Failure to adequately address these concerns might compel me to take further legal action, including but not limited to seeking statutory damages under FCRA 1681n and 1681o for willful and negligent noncompliance. \n\nI expect a response within 30 days of this letter, detailing the actions you have taken to rectify these issues and including all requested documents. Please treat this matter with the urgency and diligence it requires. \n\nSincerely, XXXX XXXXXXXX XXXX XXXX XXXX without prejudice, all natural inalienable rights reserved. \n\n\ncc : Consumer Financial Protection Bureau New York Department of Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-04-29T22:27:44.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"11433","tags":null,"has_narrative":true,"complaint_id":"8880734","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2024-04-29T22:20:17.000Z","state":"NY","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Equifax Information Services LLC Dispute Resolution <em>Department</em> XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documentation and Review of Credit Report Dispute Resolution To <em>Whom</em> It May <em>Concern</em>, I am writing to formally challenge the conclusions reached in your recent investigation regarding the <em>account</em> ending in XXXX, as reported by XXXX XXXX XXXX XXXX XXXX. 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